Expense Check

Get a deeper understanding of your customers’ finances and detect possible risk factors based on data insights.

Data over predictions

Use real-time data to review the applicant’s spending habits instead of predictions.

Improve your affordability analysis

Get a granular set of data to feed into your affordability analysis.

Increase conversion 

Onboard customers in a matter of minutes and see your conversions rise.

What you can solve with Expense Check

Problem: 
Affordability assessments today are usually performed with user-provided input or basic statistical estimates of the individual's spending combined with several sources of liability data – creating friction and misguided conclusions on affordability.

Solution:
Tink provides solutions powered by value-added intelligence on top of open banking data to help lenders understand an applicant’s real budget and helps lenders comply with given regulatory requirements accelerated from EBA and local authorities.

Expense Check
Expense Check

What you can solve with Expense Check

Problem: 
Affordability assessments today are usually performed with user-provided input or basic statistical estimates of the individual's spending combined with several sources of liability data – creating friction and misguided conclusions on affordability.

Solution:
Tink provides solutions powered by value-added intelligence on top of open banking data to help lenders understand an applicant’s real budget and helps lenders comply with given regulatory requirements accelerated from EBA and local authorities.

Tick all of the boxes with Expense Check

Simplify applications with Expense Check

Here’s how simple your application process can be with Expense Check

1
Initiate application
2
Select your bank
3
Authenticate
4
Transactions fetched
5
Application submitted
Tink Link URL
1 https://link.tink.com/1.0/risk-insights/?client_id=7a294f1581c4f4c96ab1b237af7h6f1&redirect_uri=http://yourdomain.com/callback&market=SE&locale=sv_SE&external_reference=[YOUR REFERENCE]
Initiate application

Why Expense Check with Tink?

<1 minute

Onboard in seconds instead of days

Give better decisions

Improve affordability assessments with real-time data

100% digital

Payload accessible via well-documented API

Bank-level security

SCA-compliant and fully auditable process

Meet the Tink platform

An ever-expanding suite of tools, SDKs, resources and guides developers use to build great products.

Tink API

One integration connects you to

3,400+

banks and financial institutions

18

countries across Europe

Tink API

Tink Console

Your portal to the Tink platform

‘Best Developer Dashboard’

DevPortal awarded Tink as ‘Best Developer Dashboard’ for providing a great developer experience. 

Setup and configuration

Configure, customise, manage, and deploy access to the financial data powering your apps.

Usage reports

Get real-time usage and performance reports without the need for a third-party solution.

Team roles

Give the right level of access to team members within your organisation.

What does connecting to banks really mean?

Documentation

Easy-to-follow guides, API reference and sample projects

Introduction to Expense Check
Introduction to Expense Check

Expense Check allows you to assess client affordability in minutes. We offer a standardized JSON report with data that's fetched in real time.

Fetch your first Expense Check report
Fetch your first Expense Check report

Get started with Expense Check by fetching end-user expenses.

Test different Expense Check scenarios
Test different Expense Check scenarios

Test your integration without using real bank credentials.

Get started with Tink

Contact our team to learn more about what we can help you build – or create an account to get started right away.

Contact our team to learn more about our premium solutions or create a free account to get started right away.