Pluggy vs Tink: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Tink has the broader connectivity footprint (46 vs 10 countries of bank coverage), and they overlap on 9 shared markets. Pluggy is headquartered in BR, while Tink is based in SE.
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Pluggy vs Tink at a glance
| Pluggy | Tink | |
|---|---|---|
| Headquarters | BR | SE |
| Market focus | Multi-region | Multi-region |
| Countries covered | 10 | 46 |
| Institutions tracked | 99 | 511 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | ||
| Regulated | Open Finance Brasil, Banco Central do Brasil (ITP) | Finansinspektionen (Sweden), PSD2 |
| Sandbox | ||
| Pricing model | Subscription (Basic from R$2,500/mo) + custom enterprise | Usage-based per product (Transactions, Account Check, PIS); Standard / Enterprise |
| Free production tier | — | — |
| Developer portal | ||
| Sources | ||
| View Pluggy | View Tink |
Pluggy vs Tink: bank coverage overlap
Pluggy and Tink share 9 markets where both connect to banks. Pluggy additionally reaches 1 markets Tink does not (CW), while Tink reaches 37 markets Pluggy does not (AT, AU, BE, BG, CA, CY, CZ, 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 Pluggy if…
- you prefer a provider headquartered in Brazil
Choose Tink if…
- you need the widest country coverage (46 markets)
- you want the largest number of connected institutions (511)
- you prefer a provider headquartered in Sweden
Frequently asked questions
What is the difference between Pluggy and Tink?
Pluggy vs Tink: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Tink has the broader connectivity footprint (46 vs 10 countries of bank coverage), and they overlap on 9 shared markets. Pluggy is headquartered in BR, while Tink is based in SE.
Which has wider bank coverage, Pluggy or Tink?
Tink has wider coverage, reaching 46 countries versus 10 for Pluggy. They overlap on 9 shared markets.
Can I use both Pluggy 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 Pluggy and Tink expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.