Tink and TrueLayer coverage compared by country
Tink and TrueLayer share 5 capabilities in Unirail's catalogue, including account details, transactions and single payments. They reach 15 countries in common. In total, Tink covers 11 capabilities in 19 countries and TrueLayer covers 9 in 16 countries. Unirail doesn't route to either of them yet.
Tink
ListedOpen banking provider
11 capabilities 19 countries
Tink, a Visa company, offers European open banking with account checks, transactions and income data, payments in 19 markets, UK sweeping VRP and settlement accounts.
TrueLayer
ListedOpen banking provider
9 capabilities 16 countries
TrueLayer offers UK and European payment initiation, VRP and payouts. As a second UK PISP, it's a fallback when another provider degrades.
Capabilities side by side
Each cell shows how many countries a provider covers for that capability. Pick a country to see whether each one offers it there.
| Capability | Tink | TrueLayer |
|---|---|---|
| Banking | ||
| Account details | 12 countries | 1 country |
| Balances | Not offered | 1 country |
| Transactions | 18 countries | 1 country |
| Account insights | 12 countries | Not offered |
| Single payments | 19 countries | 16 countries |
| Scheduled payments | 13 countries | Not offered |
| Sweeping VRP | 1 country | 1 country |
| Commercial VRP | Not offered | 1 country |
| Bulk payments | 1 country | Not offered |
| Payouts | 14 countries | 12 countries |
| Virtual accounts | 14 countries | Not offered |
| Verification | ||
| Verification of Payee | Not offered | 11 countries |
| Account ownership | 12 countries | Not offered |
| Identity | ||
| Identity prefill | Not offered | 2 countries |
| Risk | ||
| Return risk | 1 country | Not offered |
- Unirail routes it in at least one country
- Listed from the provider's documentation
Countries side by side
Each row shows how many capabilities each provider offers in that country. 15 countries have both providers and 5 have only one.
| Country | Tink | TrueLayer |
|---|---|---|
| United Kingdom GB | ||
| Austria AT | ||
| Belgium BE | ||
| Czechia CZ | None | |
| Denmark DK | ||
| Estonia EE | None | |
| Finland FI | ||
| France FR | ||
| Germany DE | ||
| Ireland IE | ||
| Italy IT | ||
| Latvia LV | None | |
| Lithuania LT | ||
| Netherlands NL | ||
| Norway NO | ||
| Poland PL | ||
| Portugal PT | ||
| Romania RO | None | |
| Spain ES | ||
| Sweden SE | None |
Route payments between Tink and TrueLayer
Unirail can't route to Tink or TrueLayer yet because neither is integrated. Both are listed so you can compare coverage before you sign.
For the jobs they share, Unirail routes to Plaid, Yapily and Enable Banking today. If you contract with Tink or TrueLayer, tell us which flows you'd send to them.
Deals stores each provider contract with its fees, volume tiers and renewal date next to live routing data. You can see what switching would save before you renegotiate.
Onboarding, custody and regulation
These come from each provider's catalogue entry. Check the current terms with the provider before you sign.
| Tink | TrueLayer | |
|---|---|---|
| Kind | Open banking provider | Open banking provider |
| In Unirail | Listed (not routed yet) | Listed (not routed yet) |
| Who holds the money | No one holds the money, The provider holds it in transit | No one holds the money, The provider holds it in transit |
| Account types | IBAN, UK sort code and account number | UK sort code and account number, IBAN |
| Sandbox | Self-serve sandbox | Self-serve sandbox |
| Production | Production by contract with the provider | Production by contract with the provider |
| Onboarding notes | None recorded | None recorded |
| Regulated party | Tink (a Visa company) under its own licence. | TrueLayer as PISP. |
Sources
Each provider's coverage comes from the pages below, with the date each was read.
Tink
- docs.tink.com/resources/tink-link-web/tink-link-we… Checked 8 October 2026 Account details, Account ownership
- docs.tink.com Checked 8 October 2026 Transactions, Account insights
- docs.tink.com/market-capabilities/payments Checked 8 October 2026 Single payments, Scheduled payments, Bulk payments
- tink.com/products/sweeping-variable-recurring-paym… Checked 8 October 2026 Sweeping VRP
- docs.tink.com/resources/payments/one-time-payments… Checked 8 October 2026 Payouts, Virtual accounts
- tink.com/blog/tink-launches-risk-signals Checked 8 October 2026 Return risk
TrueLayer
- docs.truelayer.com/docs/data-api-basics Checked 8 October 2026 Account details, Balances, Transactions
- docs.truelayer.com/docs/get-information-about-bank… Checked 8 October 2026 Single payments
- docs.truelayer.com/docs/variable-recurring-payment… Checked 8 October 2026 Sweeping VRP, Commercial VRP
- docs.truelayer.com/docs/payout-and-refund-basics Checked 8 October 2026 Payouts, Verification of Payee
- docs.truelayer.com/docs/signup-basics Checked 8 October 2026 Identity prefill