APIs · head to head
Prisma vs Tink
Tink
APIs
European open banking platform for account data and payment initiation
- From
- On request
- Rated
- -
The short version
- Only Prisma has a free tier, so it costs nothing to try first.
- Each has a real cost: Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage; 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: Prisma covers ORM, Tink covers Account data access.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Prisma and Tink actually diverge.
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 Prisma
- ORM
- Query builder
- Auto-migrations
- Node.js
- TypeScript
- GraphQL
- REST APIs
- Node.js support
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.
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Tink
- Adding a managed connection pool and edge cache in front of an existing databasenot Tink
Tink
- A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot Prisma
- A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Prisma
- A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Prisma
- A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot Prisma
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Prisma
- Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
- Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
- Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
- Cache tag invalidations are not included below the Pro plan and are billed per thousand above 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.
- 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
Prisma
Free- FreeFree
- 1M requests/month
- 360 GB-hours memory
- 4 vCPU-hours
- Starter$10/month
- 5M requests/month
- 1M database operations ($8 per million overage)
- 10 GB storage ($2/GB overage)
- Pro$49/month
- 20M requests/month
- 10M operations ($2 per million overage)
- 50 GB storage ($1.50/GB overage)
- Business$129/month
- 100M requests/month
- 50M operations ($1 per million overage)
- 100 GB storage
Tink
On request- Tink Platform$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 Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
Choose Tink if
- You need account data access.
- You work on API, Web.
- You also want payment initiation.
Questions people ask
- Is Prisma or Tink better?
- Neither clearly leads. Prisma 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, Prisma or Tink?
- Prisma has a free tier; the other does not. Paid plans start at Free for Prisma and On request for Tink.
- Does Prisma or Tink run on more platforms?
- Prisma runs on Node.js, TypeScript. Tink runs on API, Web.
- Can I use Prisma for free?
- Yes. Prisma has a free tier, so you can try it without paying. Tink starts at On request.
- What is Prisma best used for?
- Prisma is most often used for using a type safe orm and query layer against a postgres database, adding a managed connection pool and edge cache in front of an existing database. Of those, using a type safe orm and query layer against a postgres database and adding a managed connection pool and edge cache in front of an existing database are not what Tink is typically brought in for.
- What can Prisma do that Tink cannot?
- Prisma covers ORM, Query builder, Auto-migrations, Node.js. Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.
Answered from the vendors’ own pages
Prisma: How much does Prisma cost?
Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.
SourceTink: Who owns Tink?
Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.
Prisma: What is Prisma's overage pricing?
Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.
SourceTink: 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.
Prisma: Does Prisma include data transfer costs?
No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.
SourceTink: 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.
Related pages
Other head to heads
- Prisma vs Sanity
- Prisma vs PocketBase
- Prisma vs Appwrite
- Prisma vs Hasura
- Prisma vs Payload CMS
- Prisma vs Stainless
- Prisma vs Thunder Client
- Prisma vs GraphQL Apollo
- Prisma vs Swagger/OpenAPI
- Prisma vs RapidAPI
- Prisma vs Codat
- Prisma vs Episode Six
- Prisma vs Kong Gateway
- Prisma vs Marqeta
- Prisma vs Meniga
- Prisma vs Moov
- Prisma vs MX Technologies
- Prisma vs Swagger
- Prisma vs TrueLayer
- Prisma vs Token.io
- Prisma vs Enable Banking
- Prisma vs Yodlee
- Prisma vs Bud Financial
- Prisma vs Neonomics
- Prisma vs Yapily
- Prisma vs Enfuce
- Prisma vs Trustly
- Prisma vs Volt
- Prisma vs Salt Edge
- Prisma vs Skaleet
- Prisma vs Svix
- Prisma vs Synctera
- Prisma vs Treblle
- Prisma vs Tribe Payments
- Tink vs Sanity
- Tink vs PocketBase
- Tink vs Appwrite
- Tink vs Hasura
- Tink vs Payload CMS
- Tink vs Stainless
- Tink vs Thunder Client
- Tink vs GraphQL Apollo
- Tink vs Swagger/OpenAPI
- Tink vs RapidAPI
- Tink vs Codat
- Tink vs Episode Six
- Tink vs Kong Gateway
- Tink vs Marqeta
- Tink vs Meniga
- Tink vs Moov
- Tink vs MX Technologies
- Tink vs Swagger
- Tink vs TrueLayer
- Tink vs Token.io
- Tink vs Enable Banking
- Tink vs Yodlee
- Tink vs Bud Financial
- Tink vs Neonomics
- Tink vs Yapily
- Tink vs Enfuce
- Tink vs Trustly
- Tink vs Volt
- Tink vs Salt Edge
- Tink vs Skaleet
- Tink vs Svix
- Tink vs Synctera
- Tink vs Treblle
- Tink vs Tribe Payments