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APIs · head to head

Skaleet vs Tink

Skaleet logo

Skaleet

APIs

Cloud-native core banking and payment hub with deployments measured in months

From
On request
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

  • Each has a real cost: Skaleet the installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.; 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: Skaleet covers Cloud-native core, Tink covers Account data access.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Skaleet and Tink actually diverge.

Attributes where Skaleet and Tink differ
AttributeSkaleetTink
PlatformsWeb, REST API, LinuxAPI, Web

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 Skaleet

  • Cloud-native core
  • Payment hub
  • Card management
  • Lending
  • API-first
  • Configurable products

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.

Skaleet

  • A banking group launching a digital savings or deposit brand in a new country within a yearnot Tink
  • A bank modernising payments to ISO 20022 without replacing its whole corenot Tink
  • A payroll or HR software company adding embedded banking to its productnot Tink
  • A payment service provider needing a ledger and accounts under its existing licencenot Tink

Tink

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

Where each one falls short

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

Skaleet

  • The installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
  • Speed references are mostly greenfield launches inside large groups, which is an easier problem than migrating an existing book off a legacy core.
  • It is European-centric, with payment rails and regulatory work concentrated on SEPA and EU requirements rather than global coverage.
  • As a smaller vendor carrying a bank core, it attracts hard concentration and viability questions in procurement that larger competitors do not face.
  • Pricing is unpublished and scaled by accounts and transactions, so a bank whose volumes grow faster than forecast faces cost escalation it did not model.

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

Skaleet

On request
  • Skaleet Core Banking Platform$undefined/year
    • Subscription licence scaled by accounts and transaction volume
    • Payment hub licensable separately from the full core
    • Implementation and configuration charged as a project

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 Skaleet if

  • You need cloud-native core.
  • You work on Web, REST API, Linux.
  • You also want payment hub.
Skaleet 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 Skaleet or Tink better?
Neither clearly leads. Skaleet 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, Skaleet or Tink?
Skaleet starts at On request and Tink at On request.
Does Skaleet or Tink run on more platforms?
Skaleet runs on Web, REST API, Linux. Tink runs on API, Web.
What is Skaleet best used for?
Skaleet is most often used for a banking group launching a digital savings or deposit brand in a new country within a year, a bank modernising payments to iso 20022 without replacing its whole core, a payroll or hr software company adding embedded banking to its product, a payment service provider needing a ledger and accounts under its existing licence. Of those, a banking group launching a digital savings or deposit brand in a new country within a year and a bank modernising payments to iso 20022 without replacing its whole core are not what Tink is typically brought in for.
What can Skaleet do that Tink cannot?
Skaleet covers Cloud-native core, Payment hub, Card management, Lending. Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.

Answered from the vendors’ own pages

Skaleet: What was Skaleet called before?

TagPay. The company rebranded to Skaleet while keeping the same platform lineage.

Tink: Who owns Tink?

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

Skaleet: Can I buy just the payment hub?

Yes. The payment engine is licensable standalone and can sit over an existing core, which is a common first step.

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.

Skaleet: How fast are real deployments?

Named European deployments have gone live in six to twelve months, including a Crédit Agricole savings platform live in Germany in eight months.

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.

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