Metro Bank
Metro Bank is a UK retail and commercial bank founded in 2010 as the first new high-street bank to open in Britain in over 150 years, headquartered in London and listed on the London Stock Exchange (ticker MTRO). It is a public limited company (not a mutual or building society), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA, serving personal and business customers through its branch ("store") network and digital channels. As an FCA-authorised account servicing payment service provider (ASPSP) under PSD2, Metro Bank participates in UK Open Banking without being one of the nine CMA-mandated banks (the CMA9). It operates a public developer portal, built on Google Apigee, that publishes PSD2 / UK Open Banking APIs aligned to the Open Banking Implementation Entity (OBIE) Read/Write standard - Account and Transaction Information, Payment Initiation, and Confirmation of Funds - secured with FAPI-grade OAuth2/OIDC, mutual TLS, dynamic client registration, and PSD2 strong customer authentication, alongside the OBIE Open Data reference-data APIs and FCA service-quality metrics reporting.
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 Metro Bank the way a machine reads it — 10 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 — Metro Bank scores 36.9/100 (thin), 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 Metro Bank
Each block below is one kind of artifact we hold for Metro 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 5
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.
Metro Bank Open Data API
Public, unauthenticated OBIE Open Data reference API exposing Metro Bank's ATM locations, branch ("store") locations, personal and business current account products, unsecured S...
Metro Bank Account and Transaction Information API
OBIE Read/Write Account Information Service (AIS) API providing consented access to account details, balances, transactions, beneficiaries, standing orders, direct debits, and s...
Metro Bank Payment Initiation API
OBIE Read/Write Payment Initiation Service (PIS) API for initiating domestic and scheduled payments, standing orders, and file payments on behalf of a consenting customer. FAPI-...
Metro Bank Confirmation of Funds API
OBIE Read/Write Confirmation of Funds (CBPII) API allowing a card-based payment instrument issuer to confirm whether sufficient funds are available on a customer account. FAPI-s...
Metro Bank FCA Account Metrics API
API publishing Metro Bank's FCA service-quality and account metrics data (management information required under UK regulatory reporting), documented in the Metro Bank developer ...
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.
metro-bank-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 Metro 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
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 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/metro-bank · machine-readable index on apis.io