first direct

first direct is a telephone- and internet-based retail bank and a division of HSBC UK Bank plc, headquartered in Leeds, England and launched in 1989. It offers personal current accounts, savings, credit cards, loans, mortgages and insurance to UK consumers with a reputation for customer service, operating with no physical branches of its own. As an HSBC brand, first direct participates in the UK Open Banking regime under HSBC UK - one of the nine CMA9 banks mandated by the Competition and Markets Authority - and is regulated by the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA). Its Open Banking surfaces conform to the Open Banking Implementation Entity (OBIE / Open Banking Limited) standards - a public, unauthenticated Open Data API (personal current account product reference data, ATM and branch locators, published on the shared HSBC api.hsbc.com host where "first direct" appears as a distinct brand) and the FAPI-secured OBIE Read/Write APIs - Account and Transaction Information (AIS), Payment Initiation (PIS) and Confirmation of Funds (CBPII) - onboarded and documented through HSBC's developer portal at develop.hsbc.com, which serves the HSBC UK, first direct and M&S Bank brands.

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 first direct

Each block below is one kind of artifact we hold for first direct. 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.

first direct Open Data API

Public, unauthenticated OBIE Open Data API exposing first direct product reference data - personal current accounts and related read-only reference data - published on the share...

first direct Account and Transaction Information API (AIS)

OBIE Read/Write Account and Transaction Information (AIS) API for first direct accounts, exposed through HSBC's developer platform. FAPI-secured with OAuth2/OIDC, mutual-TLS cli...

first direct Payment Initiation API (PIS)

OBIE Read/Write Payment Initiation (PIS) API for first direct accounts, exposed through HSBC's developer platform. FAPI-secured with OAuth2/OIDC, mutual-TLS and PSD2 strong cust...

first direct Confirmation of Funds API (CBPII)

OBIE Read/Write Confirmation of Funds (CBPII) API for first direct accounts, exposed through HSBC's developer platform. FAPI-secured with OAuth2/OIDC, mutual-TLS and PSD2 strong...

Security Posture 3

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.

First Direct Authentication

oauth2/openIdConnect/mutualTLS · 2 schemes

SECURITY

First Direct Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

First Direct Vulnerability Disclosure

Bugcrowd · security.txt · contact published

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.

First Direct 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.

First Direct Agentic Access

86 operations · 20 acting

86 operations · 20 acting

AGENTIC

Resources

Every other property we hold for first direct — 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/first-direct · machine-readable index on apis.io