EU Sovereignty Score
EU-hosted, non-EU parentPaymentsHeadquarters: SE

Tink: sovereignty score and 8 European alternatives

Tink is an open banking platform that gives access to bank data and payment services through a single API. It aggregates PSD2 and non-PSD2 data from European banks and offers products such as Pay by Bank, automatic payments, payouts, account check, transaction data, data enrichment and risk signals. Its customers are banks, fintechs and other businesses that build these functions into their own products using Tink's SDKs. Customers can operate under Tink's PSD2 licence, so they do not need one of their own.

Tink was founded in Stockholm in 2012 and, since its acquisition by Visa, is part of Visa, a US company. That ownership is a CLOUD-Act signal: a US parent can be compelled under US law to hand over data, even where storage is in Europe. The sources do not say where Tink stores its data. Tink states that its systems are SOC 2 Type II compliant for security and availability. The platform is not open source.

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Sovereignty score
71 / 1000 = high exposure
100 = sovereign
  • Jurisdiction SOV-2100
    Headquartered in the EU: European law applies
  • Data residency SOV-3100
    EU-only hosting
  • Cryptographic key sovereignty SOV-360
    Key management with a European vendor
  • Freedom from lock-in SOV-640
    Closed source: switching requires data migration
  • Source & runtime sovereignty SOV-4 · SOV-655
    Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked July 2, 2026
Headquarters
SE (EU)Verified by hand
Ultimate parent company
USVerified by hand
Sovereignty model
Vendor-hosted (EU)Verified by hand
Data hosting
EUVerified by hand
Open-source
NoVerified by hand
GDPR-compliant
YesVendor-stated
Hosting signal
AMAZON-02 - Amazon.com, Inc., US (US)Technically measured
Category
Payments
Type
Product
Website
tink.com ↗

The hosting signal shows the network that serves the vendor's website, often a CDN, and not necessarily where the service or your data is hosted. How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to Tink

The European alternatives to Tink come from our knowledge base of over 6,800 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

99 European Payments vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with Tink

Tink is headquartered in SE and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data. The ultimate owner is based in US. Foreign control undermines part of the certainty a European headquarters offers.

Data is hosted exclusively in the EU, so Tink scores best on data residency.

Tink is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs Tink together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to Tink?

It depends on your use case. Strong EU alternatives to Tink include Adyen, Alma and Autopay. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Tink?

Our list of EU alternatives to Tink is mostly commercial options. Browse the category on the map for open-source choices.

Is Tink GDPR-compliant and where is the data hosted?

Tink is headquartered in SE (EU) and hosts data in EU. That makes Tink an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on July 2, 2026.

Sources

This record was checked via the vendor's website and legal notice during the full audit of June and July 2026. Source links have been recorded per record since 20 September 2026.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Payments

Payments: Payment services, payment gateways, online payments and financial transactions. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

Also in this category

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8 European alternatives to Tink — GDPR-compliant & EU-hosted · EU Sovereignty Score