Lloyds Banking Group
Lloyds Banking Group plc is the United Kingdom's largest retail and commercial banking group, serving personal, business, and corporate customers through the Lloyds Bank, Halifax, Bank of Scotland, MBNA, and Scottish Widows brands. Formed in 2009 through the acquisition of HBOS by Lloyds TSB, it is a publicly listed company on the London Stock Exchange (LLOY) and a FTSE 100 constituent - not a mutual or building society. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. As one of the nine CMA-mandated banks (CMA9), Lloyds operates a public developer platform at developer.lloydsbanking.com that publishes UK Open Banking (OBIE / PSD2) APIs - unauthenticated Open Data reference APIs for ATMs, branches, and product information, plus the FAPI-secured Read/Write family - Account and Transaction Information (AIS), Payment Initiation (PIS), Confirmation of Funds (CBPII), Variable Recurring Payments (VRP), and Event Notifications - conformant to the Open Banking Implementation Entity (OBIE) Read/Write API Standard, secured with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication using OBIE/eIDAS certificates.
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 Lloyds Banking Group the way a machine reads it — 43 machine-readable artifacts across 5 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 — Lloyds Banking Group scores 38.5/100 (thin), with a separate agent-readiness read of 42/100 (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. 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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How we profile Lloyds Banking Group
Each block below is one kind of artifact we hold for Lloyds Banking Group. 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 37
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.
Lloyds Banking Group Event Notifications API
OBIE Event Notifications API delivering aggregated and real-time event signals (e.g. consent revocation, resource-update notifications) to registered TPPs. FAPI-secured; require...
Lloyds Banking Group Account Access Consents API
The Account Access Consents API from Lloyds Banking Group — 2 operation(s) for account access consents.
Lloyds Banking Group Accounts API
The Accounts API from Lloyds Banking Group — 2 operation(s) for accounts.
Lloyds Banking Group ATM API
Endpoint for getting ATM data
Lloyds Banking Group Balances API
The Balances API from Lloyds Banking Group — 2 operation(s) for balances.
Lloyds Banking Group BCA API
Endpoint for getting Business Current Account data
Lloyds Banking Group Beneficiaries API
The Beneficiaries API from Lloyds Banking Group — 2 operation(s) for beneficiaries.
Lloyds Banking Group Branch API
Endpoint for getting Branch data
Lloyds Banking Group CCC API
Endpoint for getting Commercial Credit Card data
Lloyds Banking Group Direct Debits API
The Direct Debits API from Lloyds Banking Group — 2 operation(s) for direct debits.
Lloyds Banking Group Domestic Payment Consents API
The Domestic Payment Consents API from Lloyds Banking Group — 3 operation(s) for domestic payment consents.
Lloyds Banking Group Domestic Payments API
The Domestic Payments API from Lloyds Banking Group — 3 operation(s) for domestic payments.
Lloyds Banking Group Domestic Scheduled Payment Consents API
The Domestic Scheduled Payment Consents API from Lloyds Banking Group — 2 operation(s) for domestic scheduled payment consents.
Lloyds Banking Group Domestic Scheduled Payments API
The Domestic Scheduled Payments API from Lloyds Banking Group — 3 operation(s) for domestic scheduled payments.
Lloyds Banking Group Domestic Standing Order Consents API
The Domestic Standing Order Consents API from Lloyds Banking Group — 2 operation(s) for domestic standing order consents.
Lloyds Banking Group Domestic Standing Orders API
The Domestic Standing Orders API from Lloyds Banking Group — 3 operation(s) for domestic standing orders.
Lloyds Banking Group Domestic VRP Consents API
The Domestic VRP Consents API from Lloyds Banking Group — 3 operation(s) for domestic vrp consents.
Lloyds Banking Group Domestic VRPs API
The Domestic VRPs API from Lloyds Banking Group — 3 operation(s) for domestic vrps.
Lloyds Banking Group File Payment Consents API
The File Payment Consents API from Lloyds Banking Group — 3 operation(s) for file payment consents.
Lloyds Banking Group File Payments API
The File Payments API from Lloyds Banking Group — 4 operation(s) for file payments.
Lloyds Banking Group Funds Confirmation Consents API
The Funds Confirmation Consents API from Lloyds Banking Group — 2 operation(s) for funds confirmation consents.
Lloyds Banking Group Funds Confirmations API
The Funds Confirmations API from Lloyds Banking Group — 1 operation(s) for funds confirmations.
Lloyds Banking Group International Payment Consents API
The International Payment Consents API from Lloyds Banking Group — 3 operation(s) for international payment consents.
Lloyds Banking Group International Payments API
The International Payments API from Lloyds Banking Group — 3 operation(s) for international payments.
Lloyds Banking Group International Scheduled Payments API
The International Scheduled Payments API from Lloyds Banking Group — 3 operation(s) for international scheduled payments.
Lloyds Banking Group International Scheduled Payments Consents API
The International Scheduled Payments Consents API from Lloyds Banking Group — 3 operation(s) for international scheduled payments consents.
Lloyds Banking Group International Standing Orders API
The International Standing Orders API from Lloyds Banking Group — 3 operation(s) for international standing orders.
Lloyds Banking Group International Standing Orders Consents API
The International Standing Orders Consents API from Lloyds Banking Group — 2 operation(s) for international standing orders consents.
Lloyds Banking Group Offers API
The Offers API from Lloyds Banking Group — 2 operation(s) for offers.
Lloyds Banking Group Parties API
The Parties API from Lloyds Banking Group — 3 operation(s) for parties.
Lloyds Banking Group PCA API
Endpoint for getting Personal Current Account data
Lloyds Banking Group Products API
The Products API from Lloyds Banking Group — 2 operation(s) for products.
Lloyds Banking Group Scheduled Payments API
The Scheduled Payments API from Lloyds Banking Group — 2 operation(s) for scheduled payments.
Lloyds Banking Group SME API
Endpoint for getting Unsecured SME Loan data
Lloyds Banking Group Standing Orders API
The Standing Orders API from Lloyds Banking Group — 2 operation(s) for standing orders.
Lloyds Banking Group Statements API
The Statements API from Lloyds Banking Group — 5 operation(s) for statements.
Lloyds Banking Group Transactions API
The Transactions API from Lloyds Banking Group — 2 operation(s) for transactions.
Scroll within the panel for all 37 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Open Data API
OPEN COLLECTIONEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
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 Lloyds Banking Group — 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 3
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 1
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 6
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/lloyds-banking-group · machine-readable index on apis.io
This is an independent, third-party profile of Lloyds Banking Group, 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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