APIs · head to head
Akoya vs Tink
Akoya
APIs
Bank-owned, token-based open finance network that replaces screen scraping for US financial data
- From
- On request
- Rated
- -
Tink
APIs
European open banking platform for account data and payment initiation
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Akoya coverage reaches several thousand institutions but does not match aggregators that can still scrape, so applications needing the long tail of small credit unions will run a second data provider alongside it.; Tink visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
- They diverge on capability: Akoya covers FDX standard APIs, Tink covers Account data access.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Akoya and Tink actually diverge.
Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (APIs).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Akoya
- FDX standard APIs
- Token-based access
- Investment data
- Accounts, balances and transactions
- Statements and tax forms
- Customer identity
- Consumer permission management
- Single integration
Only in Tink
- Account data access
- Payment initiation
- EEA passporting
- Categorisation
- Account verification
- Risk and affordability signals
- Variable recurring payments support
- Consent management
What people use each for
The jobs each tool is most often brought in to do.
Akoya
- A wealth management platform that needs Fidelity brokerage holdings and tax lots, which cannot be scraped since Fidelity closed that route in October 2023not Tink
- A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Tink
- A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Tink
- A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Tink
Tink
- A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot Akoya
- A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Akoya
- A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Akoya
- A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot Akoya
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Akoya
- Coverage reaches several thousand institutions but does not match aggregators that can still scrape, so applications needing the long tail of small credit unions will run a second data provider alongside it.
- The network is owned by large banks, so roadmap and coverage priorities reflect owner interests rather than those of the fintechs consuming the data, and a recipient has no leverage over which institutions are added next.
- Data availability is decided institution by institution, meaning a bank may expose balances but not transactions or investments, and recipients must verify field-level coverage per institution rather than assume the FDX model is fully populated.
- Pricing is unpublished and usage based, which makes it difficult to compare against aggregator pricing during a build-versus-buy decision and forces a sales cycle before you can model cost.
- The token model requires the institution to have implemented its side, so newly onboarded institutions arrive on the institution timetable, not yours, and a launch dependent on a specific bank can slip badly.
Tink
- Visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
- Coverage is Europe only, so a product serving both European and United States users runs a second aggregator with a different data model and a separate contract.
- PSD2 connection quality varies sharply by bank, and headline connection counts hide wide differences in success rate, consent lifetime and re-authentication frequency that determine what users actually experience.
- Consent under PSD2 expires and requires periodic re-authentication, so any product depending on continuous data access has a recurring user friction it cannot design away, and drop-off at re-consent is a real product problem.
- Pricing is quoted with data access and payment initiation priced separately, and there is no published rate card, so small merchants cannot compare pay-by-bank economics against card acceptance without a sales process.
Pricing, plan by plan
Akoya
On request- Akoya Data Access$undefined/year
- Usage-based pricing quoted by data product and call volume
- Separate commercial terms for data recipients and for financial institutions joining the network
- No published rate card
Tink
On request- Tink Platform$undefined/year
- Priced by product, market and volume
- Data access and payment initiation priced separately
- Annual commitments typical for enterprise agreements
Which should you pick?
Choose Tink if
- You need account data access.
- You work on API, Web.
- You also want payment initiation.
Questions people ask
- Is Akoya or Tink better?
- Neither clearly leads. Akoya starts at On request and Tink at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Akoya or Tink?
- Akoya starts at On request and Tink at On request.
- Does Akoya or Tink run on more platforms?
- Akoya runs on Web. Tink runs on API, Web.
- What is Akoya best used for?
- Akoya is most often used for a wealth management platform that needs fidelity brokerage holdings and tax lots, which cannot be scraped since fidelity closed that route in october 2023, a tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload pdfs, a lender that needs a permissioning trail defensible under cfpb section 1033 rather than a credential-sharing arrangement, a bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interface. Of those, a wealth management platform that needs fidelity brokerage holdings and tax lots, which cannot be scraped since fidelity closed that route in october 2023 and a tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload pdfs are not what Tink is typically brought in for.
- What can Akoya do that Tink cannot?
- Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.
Answered from the vendors’ own pages
Akoya: Who owns Akoya?
A group of large US banks. It was spun out of Fidelity, which is why Fidelity data access runs through it.
Tink: Who owns Tink?
Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.
Akoya: Is Akoya screen scraping?
No. It uses FDX standard APIs with OpenID Connect tokens, so credentials are never shared with or stored by the data recipient.
Tink: Do I need my own PSD2 licence?
No. Tink holds AIS and PIS licences from the Swedish FSA passported across the EEA, and customers can operate as its agent rather than obtaining their own authorisation.
Akoya: Can we use Akoya alone instead of an aggregator?
Usually not. Its investment and large-institution coverage is excellent, but the long tail of smaller institutions is thinner, so most teams run both.
Tink: Does Tink cover the United States?
No. It is a European platform. US coverage requires a separate provider.
Akoya: Does it help with CFPB section 1033?
It is designed around it, providing tokenised permissioned access and consumer revocation rather than credential sharing.
Tink: How reliable are the bank connections?
It varies by institution far more than the headline count of roughly 6,000 connections suggests. Ask for per market and per bank success rates and consent lifetimes for the banks your users actually hold accounts with.
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