Allica Bank
Allica Bank Limited is a UK financial-technology bank built specifically for established small and medium-sized businesses, offering business current accounts, savings, commercial mortgages, asset finance, and invoice finance. It is a privately owned, venture-backed challenger bank (not a mutual or building society), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and PRA (FRN 821851), registered in England and Wales (company number 07706156). As an FCA-authorised ASPSP it participates in UK Open Banking under the Open Banking Implementation Entity (OBIE) Read/Write Standard and PSD2 - it is not one of the nine CMA9 mandated banks, but publishes a public developer portal exposing Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (fundsconfirmations) APIs for its Business Rewards accounts. Access is secured with FAPI-grade OAuth2/OIDC, PSD2 strong customer authentication, mutual-TLS client authentication, and dynamic client registration using Open Banking Directory / eIDAS certificates and Software Statement Assertions.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Allica Bank the way a machine reads it — 23 machine-readable artifacts across 2 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 — Allica Bank scores 46.0/100 (developing), with a separate agent-readiness read of 50/100 (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. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
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title="Allica Bank on API Evangelist — API profile and Kin Score">
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</a>[](https://providers.apievangelist.com/providers/allica-bank/)<!-- Kin Score · API Evangelist -->
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title="Allica Bank on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/allica-bank/card.svg"
alt="Allica Bank Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Allica Bank
Each block below is one kind of artifact we hold for Allica 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 18
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.
Allica Bank Confirmation of Funds API
Allica Bank's UK Open Banking Confirmation of Funds (CBPII) capability, exposed through the OBIE Read/Write Standard and the `fundsconfirmations` OAuth scope, allowing authorise...
Allica Bank Dynamic Client Registration API
OBIE Dynamic Client Registration (DCR) v3.2 endpoint used by regulated Third Party Providers to register OAuth clients with Allica Bank using Software Statement Assertions issue...
Allica Bank Account Access API
The Account Access API from Allica Bank — 2 operation(s) for account access.
Allica Bank Accounts API
The Accounts API from Allica Bank — 2 operation(s) for accounts.
Allica Bank Balances API
The Balances API from Allica Bank — 2 operation(s) for balances.
Allica Bank Beneficiaries API
The Beneficiaries API from Allica Bank — 1 operation(s) for beneficiaries.
Allica Bank Direct Debits API
The Direct Debits API from Allica Bank — 1 operation(s) for direct debits.
Allica Bank Domestic Payments API
The Domestic Payments API from Allica Bank — 5 operation(s) for domestic payments.
Allica Bank Domestic Scheduled Payments API
The Domestic Scheduled Payments API from Allica Bank — 4 operation(s) for domestic scheduled payments.
Allica Bank Domestic Standing Orders API
The Domestic Standing Orders API from Allica Bank — 4 operation(s) for domestic standing orders.
Allica Bank File Payments API
The File Payments API from Allica Bank — 5 operation(s) for file payments.
Allica Bank Offers API
The Offers API from Allica Bank — 1 operation(s) for offers.
Allica Bank Parties API
The Parties API from Allica Bank — 2 operation(s) for parties.
Allica Bank Payment Details API
The Payment Details API from Allica Bank — 3 operation(s) for payment details.
Allica Bank Products API
The Products API from Allica Bank — 1 operation(s) for products.
Allica Bank Scheduled Payments API
The Scheduled Payments API from Allica Bank — 1 operation(s) for scheduled payments.
Allica Bank Standing Orders API
The Standing Orders API from Allica Bank — 1 operation(s) for standing orders.
Allica Bank Transactions API
The Transactions API from Allica Bank — 1 operation(s) for transactions.
Scroll within the panel for all 18 ·
Security 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 Allica 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.
Get Started 3
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Access & Security 7
Authentication, authorization, and security posture
Scroll within the panel for all 7 ·
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 3
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/allica-bank · machine-readable index on apis.io
This is an independent, third-party profile of Allica Bank, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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