Sherlock Calls
for Tink
Financial stress leaves a fingerprint in transaction data long before a customer calls to cancel. Sherlock connects Tink's PSD2-powered open banking intelligence — account balances, cash flow patterns, and transaction histories from 500+ European banks — so you can follow the financial evidence wherever it leads. The clues were always there.
TL;DR — What beta users get access to
- 1
Sherlock Calls connects to Tink's Open Banking API using your clientId, clientSecret, and tinkUserId — after completing the Tink Link consent flow — giving you read-only access to real-time account data from 500+ European banks.
- 2
Ask 'What is the current balance of this customer's account?' 'Show me their last 30 transactions' 'Is there evidence of irregular cash flow this month?' — and get sourced answers from live Tink data in under 5 seconds.
- 3
Tink, owned by Visa since 2022 and regulated under PSD2, provides access to CaixaBank, Santander, BBVA, ING, Barclays, and 500+ more European banks — giving Sherlock investigations real financial grounding.
500+
European banks accessible via Tink PSD2
18
European countries covered
<5s
Time to surface account balance in Slack
About Tink
What is Tink?
Tink is Europe's leading open banking platform, owned by Visa since 2022 and regulated under PSD2. It provides access to real-time account balances, transaction history, and payment initiation from 500+ banks across 18 European countries. Used by banks, fintechs, and enterprises to power financial data aggregation, lending decisions, and personal finance management. Tink's API surfaces account and transaction data after users complete the Tink Link consent flow, which issues a tinkUserId used for all subsequent data queries.
About Sherlock Calls
What is Sherlock Calls?
Sherlock Calls is an AI call detective that lives in your Slack workspace. It connects to voice providers, CRMs, and ad platforms, then answers any question about your calls in plain English — in under 5 seconds, with no code, no new dashboards, and no SDK required. Think of it as a senior analyst always on call, inside the tools your team already uses.
Beta Setup
Connect Tink to Sherlock in 2 minutes
No code, no webhooks, no new dashboards. Beta users get direct onboarding support.
- 1
Complete the Tink Link consent flow
Direct your end user through the Tink Link OAuth consent flow to authorize bank account access. On completion, Tink issues a tinkUserId — store this securely as it is required for all subsequent account and transaction queries.
- 2
Add your Tink credentials in Sherlock
Enter your Tink clientId, clientSecret, and the tinkUserId in the Sherlock Calls integration settings. Sherlock uses Tink's OAuth2 client_credentials flow to obtain access tokens — no manual token management required.
- 3
Run your first open banking investigation
Ask 'What is the current balance across this user's connected accounts?' or 'Show me all transactions over €500 in the last 14 days' — Sherlock queries Tink and returns structured results in Slack.
Beta Use Cases
What beta teams are asking Sherlock about Tink
- SC“What is the current balance across all accounts for this customer's tinkUserId?”
- SC“Show me all transactions over €1,000 in the last 30 days for this user”
- SC“Does this customer have evidence of recurring salary deposits each month?”
- SC“Show me the transaction history for this user's ING account from last week”
- SC“Are there any failed or rejected transactions in this customer's account this month?”
Beta Features
What beta users can do with Tink
Multi-Bank Account Balances
Retrieve real-time account balances from all connected banks for a given tinkUserId — covering current, savings, and credit accounts across CaixaBank, Santander, BBVA, ING, Barclays, and 500+ more.
Transaction History Queries
List transactions filtered by date, amount, category, or merchant. Investigate cash flow patterns, recurring payments, and unusual activity from a plain-English Slack question.
Cash Flow Analysis
Understand income and spending patterns from transaction data. Surface evidence of financial stress or irregular activity that provides context for customer escalations.
PSD2-Compliant Data Access
All account and transaction data is accessed via Tink's PSD2-regulated API — ensuring that consent, security, and compliance obligations are met before any data is surfaced.
Cross-Bank Account Aggregation
Aggregate data from multiple banks into a single Sherlock investigation — essential for customers who hold accounts across several European institutions.
AI Tools
3 specialized tools, zero configuration
Sherlock picks the right tool automatically. You just ask in plain English — the AI knows which APIs to call and how to correlate the results.
Beta users get direct access to all tools below — with personal onboarding from the Sherlock team.
FAQ
Common questions about Sherlock + Tink
How does Sherlock Calls connect to Tink?
- Sherlock Calls connects to Tink using your clientId, clientSecret, and a tinkUserId obtained after the user completes the Tink Link consent flow. Sherlock uses Tink's OAuth2 client_credentials grant to obtain short-lived access tokens automatically — no manual token refresh required.
What is the Tink Link consent flow and why is it required?
- Tink Link is a hosted UI that guides the end user through bank authentication and PSD2 consent. It is legally required before Tink can surface any account or transaction data for that user. On completion, it returns a tinkUserId that Sherlock uses for all data queries on that user's accounts.
Which European banks does Tink support?
- Tink connects to 500+ banks across 18 European countries including CaixaBank, Santander, BBVA, ING, Barclays, Deutsche Bank, BNP Paribas, and many more. Coverage and feature depth vary by bank and country — check the Tink Bank Coverage page for the current list.
Is Sherlock Calls read-only on Tink?
- Yes. Sherlock uses Tink's account and transaction read scopes only — it never initiates payments, creates accounts, or modifies any banking data. Your customers' financial data is accessed read-only and is never stored by Sherlock outside your session.
Can Sherlock correlate Tink banking data with call recordings?
- Yes. When Tink is connected alongside a voice provider such as Twilio or ElevenLabs, Sherlock can combine open banking evidence — account balances, transaction history — with call outcomes to build richer customer investigations from Slack.
Apply for early access to Sherlock + Tink
We're accepting a select group of beta users to shape the Tink integration. Tell us about your stack and we'll reach out personally if you're a fit.
Even more powerful combined
Also works with