Expense-sharing app Splitwise joins forces with open-banking platform Tink to roll out seamless account-to-account payments in France, Germany and Austria — enabling users to settle up directly from their bank account within the app.
Highlights
Geographic expansion: Splitwise users in France, Germany and Austria can now use Tink-powered “Pay by Bank” to settle bills instantly and securely within the app.
Seamless, in-app payments: The integration removes the need for users to exit the app and manually initiate bank transfers — payments are authenticated and executed in-app via open-banking APIs.
Growing momentum: Building on strong UK performance (150 % increase in account checks/initiations), this rollout underscores the accelerating adoption of open-banking enabled payments in Europe.
Summary
Expense-sharing platform Splitwise has expanded its partnership with open-banking provider Tink (a Visa solution) to launch its “Pay by Bank” capability in France, Germany and Austria. Previously available in the UK, this in-app, account-to-account payment feature now allows millions more users across Europe to settle shared expenses without leaving the Splitwise app — eliminating manual bank-app transfers and enhancing user convenience.
Under the collaboration, when a Splitwise user links their bank account via Tink’s open-banking API, they can authenticate and initiate a payment directly in-app. This streamlined journey reduces friction, leverages secure bank-network rails and aligns with the broader trend of open-banking powered payment methods gaining traction in Europe.
The expansion reflects a broader shift in payments infrastructure: as open-banking regulations and consumer demand converge, fintech platforms are increasingly embedding account-to-account payments to provide faster, more secure alternatives to card and bank-transfer methods. For Splitwise and Tink, the rollout positions them to capitalise on growth in peer-to-peer payments and expense-settlement workflows across European markets.
