Softwr

APIs · head to head

LiteLLM vs Tink

LiteLLM logo

LiteLLM

APIs

The AI Gateway for platform teams

From
Free
Rated
-
Full reviewWebsite
Tink logo

Tink

APIs

European open banking platform for account data and payment initiation

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only LiteLLM has a free tier, so it costs nothing to try first.
  • Each has a real cost: LiteLLM enterprise pricing based on annual request capacity and deployment architecture, sized via direct sales; 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.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which LiteLLM and Tink actually diverge.

Attributes where LiteLLM and Tink differ
AttributeLiteLLMTink
Starting priceFreeOn request
Pricing modelopen-sourcequote
Free tierYesNo
PlatformsWebAPI, Web

Identical on both: 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 LiteLLM

Nothing recorded that Tink does not also cover.

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.

LiteLLM

  • Accessing 140+ LLM providers through single APInot Tink
  • Implementing cost-based routing for advanced AI tasksnot Tink
  • Deploying new LLM models usually within a daynot Tink
  • Switching backend models with config changes onlynot Tink
  • Maintaining consistent access across 100+ endpointsnot Tink

Tink

  • A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot LiteLLM
  • A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot LiteLLM
  • A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot LiteLLM
  • A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot LiteLLM

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

LiteLLM

  • Enterprise pricing based on annual request capacity and deployment architecture, sized via direct sales
  • Not per-token based pricing for Enterprise tier

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

LiteLLM

Free
  • Open SourceFree
    • 100+ providers
    • One OpenAI API
    • Virtual keys
  • Enterprise$null/mo
    • All Open Source features
    • SSO + SCIM
    • OIDC/JWT authentication

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 LiteLLM if

  • You want to start without paying.
LiteLLM review

Choose Tink if

  • You need account data access.
  • You work on API, Web.
  • You also want payment initiation.
Tink review

Questions people ask

Is LiteLLM or Tink better?
Neither clearly leads. LiteLLM starts at Free and Tink at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, LiteLLM or Tink?
LiteLLM has a free tier; the other does not. Paid plans start at Free for LiteLLM and On request for Tink.
Does LiteLLM or Tink run on more platforms?
LiteLLM runs on Web. Tink runs on API, Web.
Can I use LiteLLM for free?
Yes. LiteLLM has a free tier, so you can try it without paying. Tink starts at On request.
What is LiteLLM best used for?
LiteLLM is most often used for accessing 140+ llm providers through single api, implementing cost-based routing for advanced ai tasks, deploying new llm models usually within a day, switching backend models with config changes only. Of those, accessing 140+ llm providers through single api and implementing cost-based routing for advanced ai tasks are not what Tink is typically brought in for.
What can LiteLLM do that Tink cannot?
Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.

Answered from the vendors’ own pages

LiteLLM: Is LiteLLM free to use?

Yes, LiteLLM's open-source version is free forever and requires no credit card. Self-host in minutes with support for 100+ LLM providers.

Source
Tink: Who owns Tink?

Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.

LiteLLM: What does LiteLLM's Enterprise plan cost?

Enterprise pricing is custom and annual, sized based on your annual gateway request capacity, deployment architecture, and support needs. Not charged per token.

Source
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.

LiteLLM: Is there a free trial for Enterprise?

Yes, a 30-day Enterprise trial key is available via email with no credit card required.

Source
Tink: Does Tink cover the United States?

No. It is a European platform. US coverage requires a separate provider.

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.

Share

Related pages

More on LiteLLM

More on Tink

Keep looking

Other head to heads