BBVA
BBVA is a multinational Spanish financial services group operating in over 30 countries. The BBVA API Market provides a comprehensive catalog of banking APIs covering accounts, payments, collections, financing, identity, and open data across Spain, Mexico, Latin America, and other global markets. BBVA is a recognized open banking leader offering PSD2-compliant APIs, treasury management solutions, and digital ecosystem integrations.
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 BBVA the way a machine reads it — 26 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 — BBVA scores 42.3/100 (thin), with a separate agent-readiness read of 7/100 (human only). 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 BBVA
Each block below is one kind of artifact we hold for BBVA. 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.
BBVA Accounts PSD2 API
PSD2-compliant account information service (AIS) API for Spain. Allows authorized third parties to access customer payment account information including account lists, balances,...
BBVA Payments PSD2 API
PSD2-compliant payment initiation service (PIS) API for Spain. Allows authorized third parties to initiate payments on behalf of customers including SEPA transfers, immediate pa...
BBVA Mexico Business Payments API
Business payment processing API for Mexico enabling bulk payments, payroll disbursements, and supplier payments through BBVA Mexico's banking infrastructure. Supports SPEI trans...
BBVA Locations API
Open data API providing access to BBVA branch and ATM location data. Available for Spain and Mexico, this API returns geolocation data, operating hours, services available, and ...
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Bbva Plans Pricing
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Bbva Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Bbva Finops
FINOPSFeatures 6
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
PSD2 Compliance
All European banking APIs are fully compliant with the PSD2 Payment Services Directive, including AIS and PIS services.
Multi-Country Coverage
APIs available across 15+ countries including Spain, Mexico, Peru, Colombia, Argentina, Belgium, France, UK, Turkey, and USA.
Treasury Management
Multi-country treasury APIs for global enterprises to manage payments, collections, and cash positions.
Digital Ecosystems
APIs enabling businesses to embed BBVA banking services into their own digital platforms and applications.
Sandbox Environment
Developer sandbox environment for testing and validating API integrations before production deployment.
Open Data APIs
Publicly accessible location and branch data APIs available without authentication for branch/ATM locators.
Semantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Bbva Context
JSON-LDSpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
BBVA API Rules
SPECTRALExamples 1
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Account Balance Example
EXAMPLESecurity Posture 1
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.
Use Cases 5
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
Account Aggregation
Build personal finance and wealth management apps that aggregate BBVA account data across accounts.
Payment Initiation
Enable one-click checkout and payment initiation from customer bank accounts in Spain and other PSD2 markets.
Treasury Automation
Automate corporate treasury operations including bulk payments, collections, and cash management across BBVA markets.
Financial Data Analytics
Access transaction and account data to power credit scoring, risk analysis, and financial advisory services.
Branch Locator
Integrate BBVA branch and ATM location data into customer-facing applications using the open locations API.
Integrations 4
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
Redsys
Spanish payment gateway and PSD2 infrastructure through which BBVA PSD2 APIs are registered and deployed.
SEPA
Single Euro Payments Area integration for European payment transfers in Spain and EU markets.
SPEI
Mexican interbank payment system integration for Mexico business payment APIs.
SAP
ERP integration for treasury management customers connecting SAP financial systems with BBVA APIs.
Resources
Every other property we hold for BBVA — 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
Design & Contract 3
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 1
Authentication, authorization, and security posture
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
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