Kroo
Kroo Bank Ltd is a UK app-based challenger bank, founded in 2016 and granted a full UK banking licence by the PRA/FCA in 2021 (restrictions lifted in 2022), that launched its digital-only personal current account in December 2022. Independent and venture-backed rather than mutual or part of a larger group, Kroo offers a fee-free everyday current account, interest-paying balances and "Kroo Pots", fee-free spending abroad, and FSCS deposit protection up to GBP 85,000. As an FCA-authorised ASPSP under PSD2, Kroo is a regulated Open Banking provider (though not one of the nine CMA9-mandated banks and, as a branchless digital bank, it publishes no Open Data reference APIs for ATMs or branches). It exposes the UK Open Banking Implementation Entity (OBIE) Read/Write API family - Account and Transaction Information, Payment Initiation, and Confirmation of Funds - through a Banfico-hosted developer portal at developer.kroo.banfico.io, secured with FAPI-grade OAuth2/OIDC, PSD2 strong customer authentication implemented as a CIBA decoupled (poll-mode) flow, and mutual-TLS client authentication using OBIE/eIDAS certificates, validated with the OpenID Foundation conformance suite.
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 Kroo the way a machine reads it — 33 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 — Kroo scores 41.4/100 (developing), 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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<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/kroo/"
title="Kroo on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/kroo.svg"
alt="Kroo Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/kroo/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/kroo/"
title="Kroo on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/kroo/card.svg"
alt="Kroo Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Kroo
Each block below is one kind of artifact we hold for Kroo. 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.
Kroo Account Access Consents API
The Account Access Consents API from Kroo — 2 operation(s) for account access consents.
Kroo Accounts API
The Accounts API from Kroo — 2 operation(s) for accounts.
Kroo Balances API
The Balances API from Kroo — 2 operation(s) for balances.
Kroo Beneficiaries API
The Beneficiaries API from Kroo — 2 operation(s) for beneficiaries.
Kroo Direct Debits API
The Direct Debits API from Kroo — 2 operation(s) for direct debits.
Kroo Domestic Payment Consents API
The Domestic Payment Consents API from Kroo — 3 operation(s) for domestic payment consents.
Kroo Domestic Payments API
The Domestic Payments API from Kroo — 3 operation(s) for domestic payments.
Kroo Domestic Scheduled Payment Consents API
The Domestic Scheduled Payment Consents API from Kroo — 2 operation(s) for domestic scheduled payment consents.
Kroo Domestic Scheduled Payments API
The Domestic Scheduled Payments API from Kroo — 3 operation(s) for domestic scheduled payments.
Kroo Domestic Standing Order Consents API
The Domestic Standing Order Consents API from Kroo — 2 operation(s) for domestic standing order consents.
Kroo Domestic Standing Orders API
The Domestic Standing Orders API from Kroo — 3 operation(s) for domestic standing orders.
Kroo File Payment Consents API
The File Payment Consents API from Kroo — 3 operation(s) for file payment consents.
Kroo File Payments API
The File Payments API from Kroo — 4 operation(s) for file payments.
Kroo Funds Confirmation Consents API
The Funds Confirmation Consents API from Kroo — 2 operation(s) for funds confirmation consents.
Kroo Funds Confirmations API
The Funds Confirmations API from Kroo — 1 operation(s) for funds confirmations.
Kroo International Payment Consents API
The International Payment Consents API from Kroo — 3 operation(s) for international payment consents.
Kroo International Payments API
The International Payments API from Kroo — 3 operation(s) for international payments.
Kroo International Scheduled Payments API
The International Scheduled Payments API from Kroo — 3 operation(s) for international scheduled payments.
Kroo International Scheduled Payments Consents API
The International Scheduled Payments Consents API from Kroo — 3 operation(s) for international scheduled payments consents.
Kroo International Standing Orders API
The International Standing Orders API from Kroo — 3 operation(s) for international standing orders.
Kroo International Standing Orders Consents API
The International Standing Orders Consents API from Kroo — 2 operation(s) for international standing orders consents.
Kroo Offers API
The Offers API from Kroo — 2 operation(s) for offers.
Kroo Parties API
The Parties API from Kroo — 3 operation(s) for parties.
Kroo Products API
The Products API from Kroo — 2 operation(s) for products.
Kroo Scheduled Payments API
The Scheduled Payments API from Kroo — 2 operation(s) for scheduled payments.
Kroo Standing Orders API
The Standing Orders API from Kroo — 2 operation(s) for standing orders.
Kroo Statements API
The Statements API from Kroo — 5 operation(s) for statements.
Kroo Transactions API
The Transactions API from Kroo — 2 operation(s) for transactions.
Scroll within the panel for all 28 ·
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.
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 Kroo — 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 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Access & Security 6
Authentication, authorization, and security posture
Operate 2
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 4
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/kroo · machine-readable index on apis.io
This is an independent, third-party profile of Kroo, 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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