Verify with bank
Select bank
Authenticate
Approval
Key data points
Income Check delivers a vast amount of data points to help streamline applications and improve the customer experience.
Complete account Information
Get to know your applicants better with account holder name(s), IBAN, SWIFT, SSN, institution name and more.
Detailed income stream insights
Gain more filtered insight with total, maximum, minimum, mean and median income during 3 - 12 months per income category.
Categorised income summaries
Analyse of money streams based on label, recurrence, date, size and stability. See individual transactions for each category in your report.
How Bank Norwegian uses Income Check
Bank Norwegian uses Income Check to ensure customer loan applications are seamless and secure.
How Bank Norwegian uses Income Check
Bank Norwegian uses Income Check to ensure customer loan applications are seamless and secure.
How Bank Norwegian uses Income Check
Bank Norwegian uses Income Check to ensure customer loan applications are seamless and secure.
How can Income Check help you?
Browse through some of our use cases to learn about the many ways Income Check can help you boost conversion, streamline applications, increase accuracy and reduce fraud.
Swap old methods for instant, verified data.
Consumers can prove an up-to-date income with Tink’s income classification models. All they need to do is simply authenticate with their main bank.
Protect yourself and applicants from fraud
With Tink’s income classification models, users are able to prove up-to-date income. SCA adds an additional layer of security to open banking, reducing fraud risk.
Get seamless, accurate risk decisioning
A seamless way of determining a customer's risk exposure at the time of application and gain a clear understanding of their financials.
Gain confidence on marginal approvals
Tink offers a granular way of determining income, expenses and risk behaviour helping you to see risk exposure and affordability.
Income Check in numbers
20-40%
reduced dropouts leading to higher conversion rates.
up to 70%
reduction in 1st party fraud.
<10 mins
application process times down from 2-3 days to less than 10 minutes.
For industry leaders
“Responsible lending is all about granting the correct credit to the private individual that has the means to service the loan without compromising on other expenses. Tools such as those Tink provides for Bank Norwegian is an enabler of data that supports our philosophy as a provider of a pure digital customer journey.”
Peer Timo Andersen-Ulven
CRO at Bank Norwegian
“With Tink we have provided our customers with a much smoother way to prove their income and their creditworthiness, which has helped us reduce our application processing time down to less than 10 mins. It has helped us increase our automated funnel which in turn increased approval rates, faster time to money, and reduced risk of fraud and uncompleted applications - all real difference makers for our growth.”
David Öhlund
CEO at GF Money
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
6,000+
Connections to all major banks across Europe
18
countries across Europe
Tink Link
Fully-managed end-user authentication
Authenticate millions of end-users across Europe through a link
All translations, local nuances and compliance taken care of
Flows are constantly improved based on data and testing
Customisable colours and fonts to match your brand guidelines
Tink Link
Fully-managed end-user authentication
Authenticate millions of end-users across Europe through a link
All translations, local nuances and compliance taken care of
Flows are constantly improved based on data and testing
Customisable colours and fonts to match your brand guidelines
Tink Console - your open banking control panel
Easily tap into the world of open banking with the Tink Console – an intuitive developer interface that lets you access financial data and configure, customise, and manage your applications.
‘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.
Explore the full range of products through Tink Console, using test bank data for the complete testing experience. Dive into guides, resources and sample projects below to help you get up and running with your account.
Documentation
Easy-to-follow guides, API reference and sample projects
Introduction to Income Check
Income Check lets you verify an end-user’s income directly from their bank account through an API.
Perform your first income verification
This article will help you get started with Tink's Income Check product by fetching the income of an end-user in JSON format.
Test your integration
Validate your integration with error cases and market-specific data.
Country coverage
Click on the flags to explore each country’s connection capabilities
When will my country be covered?
We’re always looking to improve and expand our services. If you’d like to use this product outside of our current coverage please contact us.
Tink’s income verification guide
Discover the pros and cons of current income verification methods – and how you can get faster, more accurate results using real-time data.
