Cashplus Bank

Cashplus Bank (legal entity Advanced Payment Solutions Limited, rebranded to Zempler Bank in July 2024) is a UK challenger bank founded in 2005 that grew from a prepaid-card issuer into a fully licensed bank, receiving its UK banking licence in 2021 and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). It focuses on business current accounts, personal current accounts, credit cards, and payments for micro-enterprises, sole traders, and small-to-medium businesses. Following a 2026 acquisition it operates as a subsidiary of The Access Bank UK (part of Nigeria's Access Bank plc). As an FCA-authorised ASPSP it participates in UK Open Banking under PSD2, publishing Read/Write APIs conformant to the Open Banking Implementation Entity (OBIE) standard - Account Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) - secured with FAPI-grade OAuth2/OIDC, mutual-TLS, PSD2 strong customer authentication, and OBIE/eIDAS certificates. Cashplus is not one of the CMA9 mandated banks. Alongside the regulated Open Banking surface it runs a first-party partner/developer platform documenting proprietary Identity, Accounts, Applications, Eligibility, Payments, Products, and Transactions APIs for embedded and commercial integrations.

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.

How we profile Cashplus Bank

Each block below is one kind of artifact we hold for Cashplus 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 10

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.

Cashplus Account Information API

Open Banking Account Information Service Provider (AISP) API conformant to the OBIE Read/Write API Standard, exposing account access consents, account details, balances, transac...

Cashplus Payment Initiation API

Open Banking Payment Initiation Service Provider (PISP) API conformant to the OBIE Read/Write API Standard, supporting domestic payments, domestic scheduled payments, and domest...

Cashplus Confirmation of Funds API

Open Banking Card Based Payment Instrument Issuer (CBPII) Confirmation of Funds API conformant to the OBIE Read/Write API Standard, letting authorised providers establish a fund...

Cashplus Identity API

First-party partner API for authentication and registration against the Cashplus/Zempler developer platform, used to obtain credentials and tokens before calling the proprietary...

Cashplus Accounts API

First-party partner API to retrieve real-time account details and current balance for Cashplus/Zempler business and personal current accounts, for reconciliation and financial a...

Cashplus Applications API

First-party partner API to create applications that open new Cashplus/Zempler current accounts programmatically, enabling embedded account onboarding within partner platforms. R...

Cashplus Eligibility API

First-party partner API for running credit card eligibility checks against Cashplus/Zempler credit products. Requires a direct commercial relationship with the bank.

Cashplus Payments API

First-party partner API to initiate single and batch domestic GBP payments at low cost from Cashplus/Zempler accounts, marketed for partners as a lower-cost alternative to stand...

Cashplus Products API

First-party partner API to query the catalogue of Cashplus/Zempler banking products. Requires a direct commercial relationship with the bank.

Cashplus Transactions API

First-party partner API to search and filter transactions on Cashplus/Zempler accounts, for reconciliation and reporting. Requires a direct commercial relationship with the bank.

Scroll within the panel for all 10 ·

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.

cashplus-mcp.yml

MCP SERVER

Security 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.

Cashplus Authentication

oauth2 · 2 schemes

SECURITY

Cashplus Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

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.

Cashplus Scopes

3 scopes · clientCredentials/authorizationCode

3 scopes

SCOPES

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.

Cashplus Agentic Access

74 operations · 20 acting

74 operations · 20 acting

AGENTIC

Resources

Every other property we hold for Cashplus 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.

← All providers · Data indexed from github.com/api-evangelist/cashplus · machine-readable index on apis.io