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 [email protected].

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)

1. Open your n8n instance
2. Go to Settings → Community Nodes
3. Click Install a community node
4. Enter n8n-nodes-tink
5. 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:

1. Sign up at Tink Console
2. Create a new app in the Tink Console
3. Copy your Client ID and Client Secret
4. 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

1. Secure Credentials: Never expose Client Secret in client-side code
2. Webhook Verification: Always verify webhook signatures
3. Token Management: Implement proper token refresh logic
4. GDPR Compliance: Handle PII according to regulations
5. Consent Management: Track and respect user consents
6. Audit Logging: Log all data access for compliance
7. HTTPS Only: Always use secure connections
8. Rate Limiting: Implement request throttling
9. Error Handling: Never expose internal errors to users
10. 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: [email protected]

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

Contributing

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

Support

• Documentation: Tink Docs
• Issues: GitHub Issues
• Community: n8n Community Forum
• Commercial Support: [email protected]

Acknowledgments

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