Aldermore Bank
Aldermore Bank plc is a UK specialist bank founded in 2009 and headquartered in Reading, offering savings accounts and specialist lending across residential and buy-to-let mortgages, commercial and property finance, asset finance, invoice finance, and motor finance (through sister company MotoNovo Finance). Aldermore Group is wholly owned by South Africa's FirstRand Group, which acquired it in 2018 and, as of 2026, has begun a process to sell the UK business and exit the market. Aldermore Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA (Financial Services Register number 204503). It is a branchless, digitally-delivered specialist lender rather than a full-service current-account bank, and it is NOT one of the nine CMA-mandated banks (CMA9). Because it does not provide personal or business current accounts, its UK Open Banking (OBIE / PSD2) payment-account footprint is minimal, and no public Aldermore developer portal, Open Data endpoint, or bank-proprietary API surface could be confirmed at bootstrap; the OBIE Open Data and Read/Write API families below are represented as the shared UK Open Banking standard, unverified for this bank.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Aldermore Bank the way a machine reads it — 10 machine-readable artifacts across 4 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Aldermore Bank scores 43.8/100 (thin), with a separate agent-readiness read of 81/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Aldermore Bank
Each block below is one kind of artifact we hold for Aldermore Bank. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 4
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Aldermore Open Data API (OBIE Standard)
The UK Open Banking Open Data API standard (public, unauthenticated reference data such as products, ATMs, and branches). Represented here as the shared OBIE Open Data standard ...
Aldermore Account & Transaction Information API (OBIE Read/Write Standard)
The UK Open Banking Read/Write Account and Transaction Information (AIS) API standard, FAPI-secured with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. Repres...
Aldermore Payment Initiation API (OBIE Read/Write Standard)
The UK Open Banking Read/Write Payment Initiation (PIS) API standard, FAPI-secured with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. Represented here as the...
Aldermore Confirmation of Funds API (OBIE Read/Write Standard)
The UK Open Banking Read/Write Confirmation of Funds (CBPII) API standard, FAPI-secured with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. Represented here a...
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
aldermore-mcp.yml
MCP SERVERSecurity Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Aldermore Bank — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 6
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 4
Properties that don't map to a standard resource type
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