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American Express Joins Tink in European Open Banking Partnership

In a bid to improve the onboarding process for new card members, Tink and American Express have entered a European open banking partnership.

Recognising the increased interest from their customers to be able to instantly verify their identity, income, and account information in a more seamless manner, American Express has begun integrating Tink’s open banking technology into their application and risk analysis processes. This tech partnership will ultimately eliminate the need for their customers to manually enter their details or send additional documentation to American Express; in turn saving time and improving the customer experience.

The partnership will see Tink’s open banking services utilised by American Express customers across the world, including in France, Germany, Spain, Sweden, the Netherlands, Norway, Finland, and Belgium.

As Tink continues its European expansion, the open banking platform has also recently entered a channel partnership for open banking technology with the payments technology provider Tribe; aiding the platform as they process an estimated 1.5 million payment transactions per month.

“Our partnership with Tink will help make it easier and faster for future customers to apply for our American Express products digitally,” comments Fredrik Sauter, Head of Growing Markets at American Express. “Open banking technology not only speeds up the digital application process but also helps us make better decisions. When looking for an open banking partner, Tink was a clear choice for us, due to its position as the leading European open banking platform.”

Daniel Kjellén, co-founder and CEO, Tink
Daniel Kjellén, co-founder and CEO, Tink

Daniel Kjellén, co-founder and CEO of Tink, added “We are proud to announce this partnership with American Express, one of the world’s leading payment companies with more than 100 million cards in operation worldwide. Tink’s account verification, income verification and risk analysis technology will streamline the onboarding process for American Express customers, as we work together to create the future of financial services. This sets the standard for how larger brands are using open banking technology to convert analogue processes to digital, enhancing the customer experience.”


  • Tyler is a fintech journalist with specific interests in online banking and emerging AI technologies. He began his career writing with a plethora of national and international publications.

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