Bank of Scotland
Bank of Scotland is a UK high-street retail and commercial bank, founded in 1695 and headquartered in Edinburgh, and is one of the oldest banks in the United Kingdom. It is a wholly owned subsidiary brand of Lloyds Banking Group (alongside Lloyds Bank and Halifax), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. As one of the nine mandated CMA9 account-providers, Bank of Scotland participates in the UK Open Banking regime under PSD2, publishing PUBLIC, unauthenticated Open Data reference APIs (ATMs, branches, personal and business current accounts, unsecured SME loans, and commercial credit cards) conformant to the Open Banking Implementation Entity (OBIE) Open Data Standard, plus the OBIE Read/Write API family - Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) - secured with FAPI-grade OAuth2/OIDC, mutual-TLS client authentication, and PSD2 strong customer authentication, accessed through the Lloyds Banking Group developer platform after eIDAS/OBIE certificate onboarding.
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 Bank of Scotland the way a machine reads it — 8 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 — Bank of Scotland scores 40.9/100 (thin), with a separate agent-readiness read of 48/100 (agent ready). 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 Bank of Scotland
Each block below is one kind of artifact we hold for Bank of Scotland. 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.
Bank of Scotland Open Data API
PUBLIC, unauthenticated OBIE Open Data reference API for Bank of Scotland, exposing ATM locations, branch details, personal and business current account products, unsecured SME ...
Bank of Scotland Account and Transaction Information API (AIS)
OBIE Read/Write Account and Transaction Information (AIS) API - account details, balances, transactions, standing orders, direct debits, beneficiaries, statements, and products....
Bank of Scotland Payment Initiation API (PIS)
OBIE Read/Write Payment Initiation (PIS) API - domestic, scheduled, standing order, international, and file payment consents and orders. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SC...
Bank of Scotland Confirmation of Funds API (CBPII)
OBIE Read/Write Confirmation of Funds (CBPII) API - card-based payment instrument issuers confirm whether funds are available on an account. FAPI-secured (OAuth2/OIDC, mTLS, PSD...
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.
bank-of-scotland-mcp.yml
MCP SERVERSecurity Posture 2
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.
Resources
Every other property we hold for Bank of Scotland — 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 2
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Access & Security 3
Authentication, authorization, and security posture
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/bank-of-scotland · machine-readable index on apis.io