n8n-nodes-tink

[Velocity BPA Licensing Notice]

This n8n node is licensed under the Business Source License 1.1 (BSL 1.1).

Use of this node by for-profit organizations in production environments requires a commercial license from Velocity BPA.

For licensing information, visit https://velobpa.com/licensing or contact licensing@velobpa.com.

A comprehensive n8n community node for Tink Open Banking Platform, providing 21 resource categories and 140+ operations for complete open banking integration. Features account aggregation, transaction enrichment, payment initiation, identity verification, financial insights, and PSD2 compliance support.

Features

Account Aggregation: Connect to 3,400+ banks across Europe via a single API
Transaction Enrichment: Automatic categorization, merchant identification, and payment type detection
Payment Initiation: PSD2-compliant payment initiation services (PIS)
Identity Verification: Verify user identity through bank data
Financial Insights: Spending analysis, income verification, cash flow analytics
Tink Link Integration: Hosted UI for secure bank authentication
Multi-Market Support: 18 European markets with local provider support
Real-Time Webhooks: Event-driven architecture for instant notifications
Report Generation: Account verification, income verification, risk assessment reports

Installation

Community Nodes (Recommended)

Open your n8n instance
Go to Settings → Community Nodes
Click Install a community node
Enter n8n-nodes-tink
Click Install

Manual Installation

# Navigate to your n8n installation
cd ~/.n8n

# Install the node
npm install n8n-nodes-tink

Development Installation

# Clone or extract the package
git clone https://github.com/Velocity-BPA/n8n-nodes-tink.git
cd n8n-nodes-tink

# Install dependencies
npm install

# Build the project
npm run build

# Create symlink to n8n custom nodes
mkdir -p ~/.n8n/custom
ln -s $(pwd) ~/.n8n/custom/n8n-nodes-tink

# Restart n8n
n8n start

Credentials Setup

Tink API Credentials

Field	Description
Environment	Select Production, Sandbox, or Custom endpoint
Client ID	Your Tink client ID from the Tink Console
Client Secret	Your Tink client secret
Webhook Secret	(Optional) Secret for webhook signature verification
Actor Client ID	(Optional) For acting on behalf of another client

Tink OAuth Credentials

Field	Description
Client ID	Your Tink OAuth client ID
Client Secret	Your Tink OAuth client secret
Redirect URI	OAuth callback URL (e.g., `https://your-domain.com/callback`)
Scope	OAuth scopes (e.g., `accounts:read,transactions:read`)
Market	Default market for OAuth flow

Getting Credentials:

Sign up at Tink Console
Create a new app in the Tink Console
Copy your Client ID and Client Secret
Configure your redirect URI for OAuth flows

Resources & Operations

User Resource

Manage Tink end-users who connect their bank accounts.

Operation	Description
Create User	Create a new Tink user
Get User	Retrieve user details
Delete User	Remove a user and their data
List Users	List all users
Authorize User	Generate authorization code
Get User Profile	Get profile information
Update User Profile	Update profile details
Get Authorization Code	Get code for user delegation

Account Resource

Access aggregated bank account information.

Operation	Description
Get Accounts	List all accounts for a user
Get Account	Get specific account details
Get Account Balances	Get balance for an account
Get Account by Type	Filter accounts by type
Get Checking Accounts	List checking accounts
Get Savings Accounts	List savings accounts
Get Credit Cards	List credit card accounts
Get Investment Accounts	List investment accounts
Get Loan Accounts	List loan accounts

Transaction Resource

Access and manage transaction data.

Operation	Description
Get Transactions	List transactions
Get Transaction	Get transaction details
Search Transactions	Search with filters
Get by Account	Transactions for specific account
Get by Date	Transactions in date range
Get Pending	Pending transactions only
Get Categories	Available categories
Categorize Transaction	Assign category
Get Similar	Find similar transactions

Balance Resource

Real-time and historical balance information.

Operation	Description
Get Balances	All account balances
Get Account Balance	Single account balance
Get Balance History	Historical balance data
Get Available Balance	Available balance only
Get Booked Balance	Booked balance only

Credentials Resource

Manage bank connection credentials.

Operation	Description
Create Credentials	Add new bank connection
Get Credentials	Retrieve credential details
Update Credentials	Update credential settings
Delete Credentials	Remove bank connection
List Credentials	All user credentials
Refresh Credentials	Refresh bank data
Get Provider Credentials	Credentials for provider
Authenticate Credentials	Re-authenticate
Get Third Party Callback	OAuth callback data
Supplemental Information	Provide additional auth info

Provider Resource

Bank and financial institution information.

Operation	Description
Get Providers	List available providers
Get Provider	Single provider details
Get by Market	Providers for a market
Get Capabilities	Provider capabilities
Search Providers	Search by criteria
Get Financial Institutions	Institution details
Get Provider Fields	Required auth fields

Identity Resource

Identity verification through bank data.

Operation	Description
Get Identity Data	Retrieve identity info
Verify Identity	Verify user identity
Get Identity Verification	Verification status
Get Personal Info	Personal details
Get Name	Verified name
Get Date of Birth	Verified DOB
Get Address	Verified address
Get SSN/National ID	National ID info

Payment Resource

PSD2-compliant payment initiation.

Operation	Description
Create Payment	Initiate a payment
Get Payment	Payment details
Get Payment Status	Check payment status
List Payments	All payments
Cancel Payment	Cancel pending payment
Sign Payment	Authorize payment
Get Signed Payment Status	Signed payment status

Transfer Resource

Internal and external money transfers.

Operation	Description
Create Transfer	Initiate transfer
Get Transfer	Transfer details
List Transfers	All transfers
Get Transfer Status	Check transfer status
Get Transfer Accounts	Eligible accounts
Initiate Transfer	Start transfer flow
Sign Transfer	Authorize transfer

Beneficiary Resource

Payment beneficiary management.

Operation	Description
Create Beneficiary	Add new beneficiary
Get Beneficiary	Beneficiary details
List Beneficiaries	All beneficiaries
Update Beneficiary	Update details
Delete Beneficiary	Remove beneficiary
Get Beneficiary Accounts	Linked accounts

Consent Resource

PSD2 consent management.

Operation	Description
Get Consents	List all consents
Get Consent	Single consent details
Get Consent Status	Check consent status
Revoke Consent	Revoke user consent
Extend Consent	Extend consent period
Get Sessions	Consent sessions

Insights Resource

Financial analytics and insights.

Operation	Description
Get Spending Insights	Spending analysis
Get Income Insights	Income analysis
Get Cash Flow	Cash flow analytics
Get Budget Analysis	Budget tracking
Get Saving Potential	Savings recommendations
Get Risk Assessment	Financial risk analysis
Get Account Insights	Account-level insights

Enrichment Resource

Transaction data enrichment.

Operation	Description
Enrich Transactions	Enrich transaction data
Get Enrichment	Enrichment results
Get Merchant Info	Merchant details
Get Category Suggestions	Category recommendations
Get Enriched Transactions	Pre-enriched transactions

Connect Resource (Tink Link)

Tink Link hosted UI integration.

Operation	Description
Create Session	Start connect session
Get Connect URL	Get Tink Link URL
Get Session Status	Check session status
Get Authorization Grant	Get auth grant
Exchange Grant	Exchange for token

Report Resource

Financial report generation.

Operation	Description
Create Report	Generate new report
Get Report	Report details
Get Report Data	Download report data
Account Verification	Verify account ownership
Income Verification	Verify income sources
Risk Report	Risk assessment report
Affordability Report	Loan affordability analysis
Transaction Report	Transaction summary

Webhook Resource

Webhook subscription management.

Operation	Description
Create Webhook	Subscribe to events
Get Webhook	Webhook details
Update Webhook	Modify subscription
Delete Webhook	Remove webhook
List Webhooks	All webhooks
Test Webhook	Send test event
Get Events	List event types

Access Token Resource

OAuth token management.

Operation	Description
Get Access Token	Get new token
Get Client Access Token	Client credentials token
Get User Access Token	User-level token
Refresh Token	Refresh expired token
Revoke Token	Invalidate token
Get Token Info	Token introspection

Market Resource

Market and region information.

Operation	Description
List Markets	Available markets
Get Market	Market details
Get Currencies	Market currencies
Get Providers	Providers by market

Category Resource

Transaction categorization.

Operation	Description
List Categories	All categories
Get by Code	Category by code
Get Primary	Primary categories
Get Secondary	Secondary categories
Get Tree	Category hierarchy

Statistics Resource

Aggregated financial statistics.

Operation	Description
Get Statistics	General statistics
Get Account Statistics	Account-level stats
Get Transaction Statistics	Transaction stats
Get Monthly Statistics	Monthly breakdown
Get Category Statistics	Category analysis

Utility Resource

Utility and validation functions.

Operation	Description
Get API Status	Check API health
Validate IBAN	Validate IBAN format
Get Supported Markets	List all markets
Get Supported Currencies	List currencies
Test Connection	Test API connection

Trigger Node

The Tink Trigger node listens for real-time webhook events:

Account Events

Account Created
Account Updated
Account Deleted
Account Refreshed

Transaction Events

Transactions Available
Transaction Created
Transaction Updated
New Transactions

Credentials Events

Credentials Created
Credentials Updated
Credentials Deleted
Credentials Error
Refresh Required
Supplemental Information Required

Balance Events

Balance Updated
Low Balance Alert

Payment Events

Payment Initiated
Payment Signed
Payment Executed
Payment Failed
Payment Cancelled

Transfer Events

Transfer Initiated
Transfer Completed
Transfer Failed

Consent Events

Consent Granted
Consent Revoked
Consent Expired

Report Events

Report Ready
Report Failed

User Events

User Created
User Deleted

Usage Examples

Account Aggregation

// 1. Create a user
const user = await tink.user.create({
  externalUserId: 'my-app-user-123',
  market: 'SE',
  locale: 'en_US'
});

// 2. Generate Tink Link URL for bank connection
const connectUrl = await tink.connect.getConnectUrl({
  userId: user.id,
  market: 'SE',
  locale: 'en_US',
  redirectUri: 'https://myapp.com/callback'
});

// 3. After user completes bank authentication, get accounts
const accounts = await tink.account.getAccounts({
  userId: user.id
});

Transaction Enrichment

// Get enriched transactions with merchant info and categories
const transactions = await tink.enrichment.getEnrichedTransactions({
  userId: 'user-123',
  dateFrom: '2024-01-01',
  dateTo: '2024-12-31',
  includeCategories: true,
  includeMerchant: true
});

// Each transaction includes:
// - category: { primary, secondary, code }
// - merchant: { name, logo, mcc }
// - paymentType: 'CARD' | 'TRANSFER' | 'CASH' | etc.

Payment Initiation

// Create a PSD2-compliant payment
const payment = await tink.payment.create({
  userId: 'user-123',
  credentialsId: 'cred-456',
  amount: 100.00,
  currency: 'EUR',
  recipientName: 'Acme Corp',
  recipientIban: 'DE89370400440532013000',
  reference: 'Invoice 12345'
});

// Sign the payment (requires SCA)
const signedPayment = await tink.payment.sign({
  paymentId: payment.id
});

// Check payment status
const status = await tink.payment.getStatus({
  paymentId: payment.id
});

Identity Verification

// Verify user identity through their bank
const identity = await tink.identity.verifyIdentity({
  userId: 'user-123',
  credentialsId: 'cred-456'
});

// Get verified personal information
const personalInfo = await tink.identity.getPersonalInfo({
  userId: 'user-123'
});

// Result includes:
// - name: { first, last, full }
// - dateOfBirth
// - address: { street, city, postalCode, country }
// - nationalId (where available)

Financial Insights

// Get spending insights
const spending = await tink.insights.getSpendingInsights({
  userId: 'user-123',
  dateFrom: '2024-01-01',
  dateTo: '2024-12-31',
  groupBy: 'CATEGORY'
});

// Get cash flow analysis
const cashFlow = await tink.insights.getCashFlow({
  userId: 'user-123',
  period: 'LAST_6_MONTHS',
  granularity: 'MONTHLY'
});

// Get risk assessment
const risk = await tink.insights.getRiskAssessment({
  userId: 'user-123',
  riskTypes: ['CREDIT_RISK', 'INCOME_STABILITY', 'GAMBLING']
});

Income Verification Report

// Generate income verification report
const report = await tink.report.getIncomeVerification({
  userId: 'user-123',
  format: 'JSON',
  months: 12
});

// Report includes:
// - regularIncome: { amount, frequency, source }
// - incomeStreams: [{ type, amount, confidence }]
// - verificationDate
// - accountsAnalyzed

Webhook Integration

// Set up webhook for transaction notifications
const webhook = await tink.webhook.create({
  url: 'https://myapp.com/webhooks/tink',
  events: ['transactions:available', 'transaction:created'],
  secret: 'my-webhook-secret'
});

// In your Tink Trigger node, verify and process events:
// - Verify HMAC-SHA256 signature
// - Process transaction data
// - Update your application

Tink Concepts

Term	Description
User	End-user in Tink system, represents a person connecting their bank
Credentials	Bank connection, stores authentication data for a specific provider
Provider	Bank or financial institution available for connection
Market	Country or region (e.g., SE, DE, UK)
Tink Link	Hosted UI for secure bank authentication
Connect Session	Authorization flow for Tink Link
Consent	User permission for data access (PSD2 requirement)
Enrichment	Transaction enhancement with categories, merchants
Insights	Financial analytics derived from transaction data
Actor	Third-party acting on behalf of another client
ASPSP	Account Servicing Payment Service Provider (the bank)
TPP	Third Party Provider (you, using Tink)
PSD2	Payment Services Directive 2 (EU regulation)
AIS	Account Information Service
PIS	Payment Initiation Service
SCA	Strong Customer Authentication

Supported Markets

Market	Country	Currency	PSD2
SE	Sweden	SEK	✅
FI	Finland	EUR	✅
NO	Norway	NOK	✅
DK	Denmark	DKK	✅
DE	Germany	EUR	✅
GB	United Kingdom	GBP	✅
NL	Netherlands	EUR	✅
BE	Belgium	EUR	✅
FR	France	EUR	✅
ES	Spain	EUR	✅
IT	Italy	EUR	✅
PT	Portugal	EUR	✅
AT	Austria	EUR	✅
IE	Ireland	EUR	✅
PL	Poland	PLN	✅
EE	Estonia	EUR	✅
LT	Lithuania	EUR	✅
LV	Latvia	EUR	✅

Error Handling

The node provides detailed error messages for common scenarios:

Error Code	Description	Resolution
`INVALID_CREDENTIALS`	API credentials invalid	Check Client ID/Secret
`USER_NOT_FOUND`	User doesn't exist	Verify User ID
`CREDENTIALS_ERROR`	Bank connection failed	Re-authenticate credentials
`CONSENT_EXPIRED`	PSD2 consent expired	Extend or create new consent
`RATE_LIMITED`	Too many requests	Implement backoff strategy
`PROVIDER_ERROR`	Bank API error	Retry or contact support
`PAYMENT_REJECTED`	Payment declined	Check account balance/limits
`SCA_REQUIRED`	Strong authentication needed	Complete SCA flow

Security Best Practices

Secure Credentials: Never expose Client Secret in client-side code
Webhook Verification: Always verify webhook signatures
Token Management: Implement proper token refresh logic
GDPR Compliance: Handle PII according to regulations
Consent Management: Track and respect user consents
Audit Logging: Log all data access for compliance
HTTPS Only: Always use secure connections
Rate Limiting: Implement request throttling
Error Handling: Never expose internal errors to users
Data Minimization: Only request necessary scopes

Development

# Install dependencies
npm install

# Build TypeScript
npm run build

# Watch mode
npm run dev

# Run tests
npm test

# Run tests with coverage
npm run test:coverage

# Lint code
npm run lint

# Fix lint issues
npm run lint:fix

Author

Velocity BPA

Website: velobpa.com
GitHub: Velocity-BPA

Licensing

This n8n community node is licensed under the Business Source License 1.1.

Free Use

Permitted for personal, educational, research, and internal business use.

Commercial Use

Use of this node within any SaaS, PaaS, hosted platform, managed service, or paid automation offering requires a commercial license.

For licensing inquiries: licensing@velobpa.com

See LICENSE, COMMERCIAL_LICENSE.md, and LICENSING_FAQ.md for details.

Contributing

Fork the repository
Create a feature branch (git checkout -b feature/amazing-feature)
Commit your changes (git commit -m 'Add amazing feature')
Push to the branch (git push origin feature/amazing-feature)
Open a Pull Request

Support

Documentation: Tink Docs
Issues: GitHub Issues
Community: n8n Community Forum
Commercial Support: licensing@velobpa.com

Acknowledgments

Tink for their comprehensive Open Banking platform
n8n for the workflow automation platform
The open banking community for advancing financial data access

Name		Name	Last commit message	Last commit date
.github/workflows		.github/workflows
credentials		credentials
nodes/Tink		nodes/Tink
scripts		scripts
test		test
.eslintrc.js		.eslintrc.js
.npmignore		.npmignore
.prettierrc		.prettierrc
COMMERCIAL_LICENSE.md		COMMERCIAL_LICENSE.md
LICENSE		LICENSE
LICENSING_FAQ.md		LICENSING_FAQ.md
README.md		README.md
gulpfile.js		gulpfile.js
index.ts		index.ts
jest.config.js		jest.config.js
package.json		package.json
tsconfig.json		tsconfig.json

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