Mastercard Open Banking (formerly Finicity) vs Tink: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Tink has the broader connectivity footprint (46 vs 6 countries of bank coverage), and they overlap on 4 shared markets. Mastercard Open Banking (formerly Finicity) is headquartered in US, while Tink is based in SE.
Mastercard Open Banking (formerly Finicity) vs Tink at a glance
| Mastercard Open Banking (formerly Finicity) | Tink | |
|---|---|---|
| Headquarters | US | SE |
| Market focus | Multi-region | Multi-region |
| Countries covered | 6 | 46 |
| Institutions tracked | 4,351 | 511 |
| Account data (AIS) | ||
| Payments (PIS) | — | |
| Verification | ||
| Regulated | US | Finansinspektionen (Sweden), PSD2 |
| Sandbox | ||
| Pricing model | Custom / enterprise quote | Usage-based per product (Transactions, Account Check, PIS); Standard / Enterprise |
| Free production tier | — | — |
| Developer portal | ||
| Sources | ||
| View Mastercard Open Banking (formerly Finicity) | View Tink |
Mastercard Open Banking (formerly Finicity) vs Tink: bank coverage overlap
Mastercard Open Banking (formerly Finicity) and Tink share 4 markets where both connect to banks. Mastercard Open Banking (formerly Finicity) additionally reaches 2 markets Tink does not (NG, PR), while Tink reaches 42 markets Mastercard Open Banking (formerly Finicity) does not (BE, BG, BR, CH, CY, CZ, DE, DK…).
Coverage figures are derived from verified per-bank connectivity data tracked on Open Banking Tracker, not provider marketing claims. See the coverage explorer for the full breakdown by continent.
Choose Mastercard Open Banking (formerly Finicity) if…
- you want the largest number of connected institutions (4,351)
- you prefer a provider headquartered in the United States
Choose Tink if…
- you need the widest country coverage (46 markets)
- you prefer a provider headquartered in Sweden
Frequently asked questions
What is the difference between Mastercard Open Banking (formerly Finicity) and Tink?
Mastercard Open Banking (formerly Finicity) vs Tink: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Tink has the broader connectivity footprint (46 vs 6 countries of bank coverage), and they overlap on 4 shared markets. Mastercard Open Banking (formerly Finicity) is headquartered in US, while Tink is based in SE.
Which has wider bank coverage, Mastercard Open Banking (formerly Finicity) or Tink?
Tink has wider coverage, reaching 46 countries versus 6 for Mastercard Open Banking (formerly Finicity). They overlap on 4 shared markets.
Can I use both Mastercard Open Banking (formerly Finicity) and Tink?
Yes. Many teams use more than one open banking aggregator — for example one for its strongest region and another for fallback coverage or specific institutions. Both Mastercard Open Banking (formerly Finicity) and Tink expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.