Tink
Tink Data Enrichment API

Categorise raw bank transactions, identify the merchant, detect confirmed recurring transactions, and predict future recurring payments. Powers Money Manager, Expense Check, Income Check, and Risk Insights downstream.
Tink Data Enrichment API is one of 9 APIs that Tink publishes on the APIs.io network, described by a machine-readable OpenAPI specification.
This API exposes 1 machine-runnable capability that can be deployed as REST, MCP, or Agent Skill surfaces via Naftiko.
Tagged areas include Data Enrichment, Categorisation, Recurring Transactions, and Merchants. The published artifact set on APIs.io includes API documentation, an OpenAPI specification, and 1 Naftiko capability spec.
Documentation GitHub OpenAPI
OpenAPI Specification

openapi: 3.1.0
info:
  title: Tink Data Enrichment API
  description: >
    Tink Data Enrichment categorises raw bank transactions, identifies the
    merchant, detects recurring transactions, and predicts future recurring
    payments. Provides the categorisation taxonomy and recurring-group
    rollups that power Money Manager, Expense Check, and Income Check.
  version: '1.0'
  contact:
    name: Tink Developer Support
    url: https://docs.tink.com/resources/data-enrichment
servers:
  - url: https://api.tink.com
    description: Tink EU Production
  - url: https://api.us.tink.com
    description: Tink US Production
security:
  - BearerAuth: []
tags:
  - name: EnrichedTransactions
    description: Categorised and merchant-enriched transactions.
  - name: Categories
    description: Tink categorisation taxonomy.
  - name: RecurringTransactions
    description: Recurring transaction detection and prediction.
paths:
  /enrichment/v1/transactions:
    get:
      summary: Tink List Enriched Transactions
      description: List user transactions enriched with Tink category, merchant information, and recurring flag.
      operationId: listEnrichedTransactions
      tags:
        - EnrichedTransactions
      parameters:
        - in: query
          name: accountIdIn
          schema:
            type: string
        - in: query
          name: bookedDateGte
          schema:
            type: string
            format: date
        - in: query
          name: bookedDateLte
          schema:
            type: string
            format: date
      responses:
        '200':
          description: Enriched transactions returned.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/EnrichedTransactionList'
  /enrichment/v1/categories:
    get:
      summary: Tink List Categories
      description: List the Tink categorisation taxonomy for the calling locale.
      operationId: listCategories
      tags:
        - Categories
      parameters:
        - in: query
          name: locale
          schema:
            type: string
      responses:
        '200':
          description: Categories returned.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CategoryList'
  /enrichment/v1/recurring-transactions:
    get:
      summary: Tink List Recurring Transactions
      description: List confirmed recurring transactions (subscriptions, salary, rent) for the user.
      operationId: listRecurringTransactions
      tags:
        - RecurringTransactions
      responses:
        '200':
          description: Recurring transactions returned.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RecurringTransactionList'
  /enrichment/v1/predicted-recurring-transactions:
    get:
      summary: Tink List Predicted Recurring Transactions
      description: List predicted future recurring transactions inferred from the user's transaction history.
      operationId: listPredictedRecurringTransactions
      tags:
        - RecurringTransactions
      responses:
        '200':
          description: Predicted recurring transactions returned.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RecurringTransactionList'
  /enrichment/v1/recurring-transactions-groups:
    get:
      summary: Tink List Recurring Transaction Groups
      description: List recurring transaction groups (clusters of related recurring transactions).
      operationId: listRecurringTransactionsGroups
      tags:
        - RecurringTransactions
      responses:
        '200':
          description: Groups returned.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RecurringTransactionGroupList'
  /enrichment/v1/recurring-transactions-groups/{groupId}:
    get:
      summary: Tink Get A Recurring Transaction Group
      description: Retrieve a single recurring transaction group by id.
      operationId: getRecurringTransactionsGroup
      tags:
        - RecurringTransactions
      parameters:
        - in: path
          name: groupId
          required: true
          schema:
            type: string
      responses:
        '200':
          description: Group returned.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RecurringTransactionGroup'
components:
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
  schemas:
    EnrichedTransactionList:
      type: object
      properties:
        transactions:
          type: array
          items:
            $ref: '#/components/schemas/EnrichedTransaction'
        nextPageToken:
          type: string
    EnrichedTransaction:
      type: object
      properties:
        id:
          type: string
        accountId:
          type: string
        amount:
          type: object
          properties:
            value:
              type: string
            currencyCode:
              type: string
        descriptions:
          type: object
          properties:
            original:
              type: string
            display:
              type: string
        categories:
          type: object
          properties:
            pfm:
              type: object
              properties:
                id:
                  type: string
                name:
                  type: string
        merchantInformation:
          type: object
          properties:
            merchantName:
              type: string
            merchantCategoryCode:
              type: string
        recurring:
          type: boolean
        dates:
          type: object
          properties:
            booked:
              type: string
              format: date
    CategoryList:
      type: object
      properties:
        categories:
          type: array
          items:
            $ref: '#/components/schemas/Category'
    Category:
      type: object
      properties:
        id:
          type: string
        code:
          type: string
        name:
          type: string
        parentId:
          type: string
        type:
          type: string
          enum: [EXPENSES, INCOME, TRANSFERS]
    RecurringTransactionList:
      type: object
      properties:
        recurringTransactions:
          type: array
          items:
            $ref: '#/components/schemas/RecurringTransaction'
    RecurringTransaction:
      type: object
      properties:
        id:
          type: string
        merchantName:
          type: string
        cadence:
          type: string
          enum: [DAILY, WEEKLY, BIWEEKLY, MONTHLY, QUARTERLY, YEARLY, IRREGULAR]
        averageAmount:
          type: object
          properties:
            value:
              type: string
            currencyCode:
              type: string
        category:
          type: object
          properties:
            id:
              type: string
            name:
              type: string
        lastOccurrence:
          type: string
          format: date
        nextExpectedOccurrence:
          type: string
          format: date
    RecurringTransactionGroupList:
      type: object
      properties:
        groups:
          type: array
          items:
            $ref: '#/components/schemas/RecurringTransactionGroup'
    RecurringTransactionGroup:
      type: object
      properties:
        id:
          type: string
        merchantName:
          type: string
        cadence:
          type: string
          enum: [DAILY, WEEKLY, BIWEEKLY, MONTHLY, QUARTERLY, YEARLY, IRREGULAR]
        recurringTransactionIds:
          type: array
          items:
            type: string
        totalAmount:
          type: object
          properties:
            value:
              type: string
            currencyCode:
              type: string
    Error:
      type: object
      properties:
        errorMessage:
          type: string
        errorCode:
          type: string
Tink Data Enrichment API

Documentation

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OpenAPI Specification
