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 — 38 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 33.0/100 (thin), with a separate agent-readiness read of 36/100 (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. 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
Put this on your own site. The badge is drawn live from Bank of Scotland's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.
<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/bank-of-scotland/"
title="Bank of Scotland on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/bank-of-scotland.svg"
alt="Bank of Scotland Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/bank-of-scotland/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/bank-of-scotland/"
title="Bank of Scotland on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/bank-of-scotland/card.svg"
alt="Bank of Scotland 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 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 34
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 Account Access Consents API
The Account Access Consents API from Bank of Scotland — 2 operation(s) for account access consents.
Bank of Scotland Accounts API
The Accounts API from Bank of Scotland — 2 operation(s) for accounts.
Bank of Scotland ATM API
Endpoint for getting ATM data
Bank of Scotland Balances API
The Balances API from Bank of Scotland — 2 operation(s) for balances.
Bank of Scotland BCA API
Endpoint for getting Business Current Account data
Bank of Scotland Beneficiaries API
The Beneficiaries API from Bank of Scotland — 2 operation(s) for beneficiaries.
Bank of Scotland Branch API
Endpoint for getting Branch data
Bank of Scotland CCC API
Endpoint for getting Commercial Credit Card data
Bank of Scotland Direct Debits API
The Direct Debits API from Bank of Scotland — 2 operation(s) for direct debits.
Bank of Scotland Domestic Payment Consents API
The Domestic Payment Consents API from Bank of Scotland — 3 operation(s) for domestic payment consents.
Bank of Scotland Domestic Payments API
The Domestic Payments API from Bank of Scotland — 3 operation(s) for domestic payments.
Bank of Scotland Domestic Scheduled Payment Consents API
The Domestic Scheduled Payment Consents API from Bank of Scotland — 2 operation(s) for domestic scheduled payment consents.
Bank of Scotland Domestic Scheduled Payments API
The Domestic Scheduled Payments API from Bank of Scotland — 3 operation(s) for domestic scheduled payments.
Bank of Scotland Domestic Standing Order Consents API
The Domestic Standing Order Consents API from Bank of Scotland — 2 operation(s) for domestic standing order consents.
Bank of Scotland Domestic Standing Orders API
The Domestic Standing Orders API from Bank of Scotland — 3 operation(s) for domestic standing orders.
Bank of Scotland File Payment Consents API
The File Payment Consents API from Bank of Scotland — 3 operation(s) for file payment consents.
Bank of Scotland File Payments API
The File Payments API from Bank of Scotland — 4 operation(s) for file payments.
Bank of Scotland Funds Confirmation Consents API
The Funds Confirmation Consents API from Bank of Scotland — 2 operation(s) for funds confirmation consents.
Bank of Scotland Funds Confirmations API
The Funds Confirmations API from Bank of Scotland — 1 operation(s) for funds confirmations.
Bank of Scotland International Payment Consents API
The International Payment Consents API from Bank of Scotland — 3 operation(s) for international payment consents.
Bank of Scotland International Payments API
The International Payments API from Bank of Scotland — 3 operation(s) for international payments.
Bank of Scotland International Scheduled Payments API
The International Scheduled Payments API from Bank of Scotland — 3 operation(s) for international scheduled payments.
Bank of Scotland International Scheduled Payments Consents API
The International Scheduled Payments Consents API from Bank of Scotland — 3 operation(s) for international scheduled payments consents.
Bank of Scotland International Standing Orders API
The International Standing Orders API from Bank of Scotland — 3 operation(s) for international standing orders.
Bank of Scotland International Standing Orders Consents API
The International Standing Orders Consents API from Bank of Scotland — 2 operation(s) for international standing orders consents.
Bank of Scotland Offers API
The Offers API from Bank of Scotland — 2 operation(s) for offers.
Bank of Scotland Parties API
The Parties API from Bank of Scotland — 3 operation(s) for parties.
Bank of Scotland PCA API
Endpoint for getting Personal Current Account data
Bank of Scotland Products API
The Products API from Bank of Scotland — 2 operation(s) for products.
Bank of Scotland Scheduled Payments API
The Scheduled Payments API from Bank of Scotland — 2 operation(s) for scheduled payments.
Bank of Scotland SME API
Endpoint for getting Unsecured SME Loan data
Bank of Scotland Standing Orders API
The Standing Orders API from Bank of Scotland — 2 operation(s) for standing orders.
Bank of Scotland Statements API
The Statements API from Bank of Scotland — 5 operation(s) for statements.
Bank of Scotland Transactions API
The Transactions API from Bank of Scotland — 2 operation(s) for transactions.
Scroll within the panel for all 34 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Open Data API
OPEN COLLECTIONSecurity 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 6
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
Other 5
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/bank-of-scotland · machine-readable index on apis.io
This is an independent, third-party profile of Bank of Scotland, 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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