Hampden & Co
Hampden & Co (trading as Hampden Bank since March 2024) is an independent UK private bank headquartered at 20/21 Charlotte Square, Edinburgh, with offices in London and Manchester, serving high-net-worth individuals, their families, and their businesses with day-to-day banking, deposits, and specialist lending. Incorporated in 2010 as "Scoban" and launched in 2015, it was the first newly created UK private bank in three decades; it is a shareholder-owned public limited company (SC386922) - not a mutual or building society - backed by cornerstone shareholders and hundreds of smaller investors, and passed £1 billion in deposits in 2025. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. Although not one of the CMA9 mandated banks, Hampden & Co is an FCA-authorised ASPSP registered with the Open Banking Implementation Entity (OBIE) and exposes a PSD2 dedicated interface: an Open Data reference API plus the OBIE Read/Write family (Account & Transaction Information, Payment Initiation, and Confirmation of Funds), onboarded through a developer sandbox portal and secured with FAPI-grade OAuth2/OIDC, mutual-TLS, PSD2 strong customer authentication, and eIDAS/OBIE certificate-based dynamic client registration.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Hampden & Co the way a machine reads it — 9 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 — Hampden & Co scores 49.8/100 (developing), with a separate agent-readiness read of 74/100 (agent native). 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 Hampden & Co
Each block below is one kind of artifact we hold for Hampden & Co. 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.
Hampden & Co Open Data API
Public, unauthenticated Open Data reference API conforming to the OBIE UK Open Banking Open Data standard (product reference data such as personal and business current accounts)...
Hampden & Co Account & Transaction Information API
OBIE Read/Write Account Information Service (AIS) - accounts, balances, transactions, beneficiaries, standing orders, direct debits, statements, and parties - as a FAPI-secured ...
Hampden & Co Payment Initiation API
OBIE Read/Write Payment Initiation Service (PIS) - domestic, scheduled, standing-order, international, and file payments - as a FAPI-secured PSD2 dedicated interface. The harves...
Hampden & Co Confirmation of Funds API
OBIE Read/Write Confirmation of Funds Service (CBPII) allowing an authorised card-based payment instrument issuer to confirm the availability of funds, as a FAPI-secured PSD2 de...
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.
hampden-and-co-mcp.yml
MCP SERVERSecurity 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 Hampden & Co — 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 2
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
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 3
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/hampden-and-co · machine-readable index on apis.io