Cynergy Bank
Cynergy Bank is an FCA- and PRA-authorised UK specialist bank (FCA reference 575105) serving the blended personal and business banking needs of business owners, property entrepreneurs, and family businesses. It was formed in December 2018 when Cynergy Capital acquired Bank of Cyprus UK for approximately £103m and rebranded the business as Cynergy Bank. Although it is not one of the nine CMA-mandated banks (CMA9), as a UK ASPSP it complies with PSD2 and the UK Open Banking Standard, publishing a dedicated third-party interface for the Open Banking Implementation Entity (OBIE) Read/Write APIs — Account & Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII). Access is restricted to FCA- or EEA-regulated Third Party Providers and is secured with FAPI-grade OAuth2/OIDC, mutual-TLS client authentication, and PSD2 strong customer authentication using OBIE/eIDAS certificates, onboarded through the bank's Open Banking developer portal.
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 Cynergy Bank the way a machine reads it — 32 machine-readable artifacts across 3 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 — Cynergy Bank scores 36.3/100 (thin), with a separate agent-readiness read of 38/100 (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 2026-09-08 · rubric v0.20.0
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title="Cynergy Bank on API Evangelist — API profile and Kin Score">
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How we profile Cynergy Bank
Each block below is one kind of artifact we hold for Cynergy 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 28
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.
Cynergy Bank Account Access Consents API
The Account Access Consents API from Cynergy Bank — 2 operation(s) for account access consents.
Cynergy Bank Accounts API
The Accounts API from Cynergy Bank — 2 operation(s) for accounts.
Cynergy Bank Balances API
The Balances API from Cynergy Bank — 2 operation(s) for balances.
Cynergy Bank Beneficiaries API
The Beneficiaries API from Cynergy Bank — 2 operation(s) for beneficiaries.
Cynergy Bank Direct Debits API
The Direct Debits API from Cynergy Bank — 2 operation(s) for direct debits.
Cynergy Bank Domestic Payment Consents API
The Domestic Payment Consents API from Cynergy Bank — 3 operation(s) for domestic payment consents.
Cynergy Bank Domestic Payments API
The Domestic Payments API from Cynergy Bank — 3 operation(s) for domestic payments.
Cynergy Bank Domestic Scheduled Payment Consents API
The Domestic Scheduled Payment Consents API from Cynergy Bank — 2 operation(s) for domestic scheduled payment consents.
Cynergy Bank Domestic Scheduled Payments API
The Domestic Scheduled Payments API from Cynergy Bank — 3 operation(s) for domestic scheduled payments.
Cynergy Bank Domestic Standing Order Consents API
The Domestic Standing Order Consents API from Cynergy Bank — 2 operation(s) for domestic standing order consents.
Cynergy Bank Domestic Standing Orders API
The Domestic Standing Orders API from Cynergy Bank — 3 operation(s) for domestic standing orders.
Cynergy Bank File Payment Consents API
The File Payment Consents API from Cynergy Bank — 3 operation(s) for file payment consents.
Cynergy Bank File Payments API
The File Payments API from Cynergy Bank — 4 operation(s) for file payments.
Cynergy Bank Funds Confirmation Consents API
The Funds Confirmation Consents API from Cynergy Bank — 2 operation(s) for funds confirmation consents.
Cynergy Bank Funds Confirmations API
The Funds Confirmations API from Cynergy Bank — 1 operation(s) for funds confirmations.
Cynergy Bank International Payment Consents API
The International Payment Consents API from Cynergy Bank — 3 operation(s) for international payment consents.
Cynergy Bank International Payments API
The International Payments API from Cynergy Bank — 3 operation(s) for international payments.
Cynergy Bank International Scheduled Payments API
The International Scheduled Payments API from Cynergy Bank — 3 operation(s) for international scheduled payments.
Cynergy Bank International Scheduled Payments Consents API
The International Scheduled Payments Consents API from Cynergy Bank — 3 operation(s) for international scheduled payments consents.
Cynergy Bank International Standing Orders API
The International Standing Orders API from Cynergy Bank — 3 operation(s) for international standing orders.
Cynergy Bank International Standing Orders Consents API
The International Standing Orders Consents API from Cynergy Bank — 2 operation(s) for international standing orders consents.
Cynergy Bank Offers API
The Offers API from Cynergy Bank — 2 operation(s) for offers.
Cynergy Bank Parties API
The Parties API from Cynergy Bank — 3 operation(s) for parties.
Cynergy Bank Products API
The Products API from Cynergy Bank — 2 operation(s) for products.
Cynergy Bank Scheduled Payments API
The Scheduled Payments API from Cynergy Bank — 2 operation(s) for scheduled payments.
Cynergy Bank Standing Orders API
The Standing Orders API from Cynergy Bank — 2 operation(s) for standing orders.
Cynergy Bank Statements API
The Statements API from Cynergy Bank — 5 operation(s) for statements.
Cynergy Bank Transactions API
The Transactions API from Cynergy Bank — 2 operation(s) for transactions.
Scroll within the panel for all 28 ·
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.
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 Cynergy 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 1
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 4
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/cynergy-bank · machine-readable index on apis.io
This is an independent, third-party profile of Cynergy 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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you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.