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 — 15 machine-readable artifacts across 1 API, 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 37.3/100 (thin), with a separate agent-readiness read of 24/100 (agent aware). 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
Put this on your own site. The badge is drawn live from Metro Bank's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.
<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/metro-bank/"
title="Metro Bank on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/metro-bank.svg"
alt="Metro Bank Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/metro-bank/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/metro-bank/"
title="Metro Bank on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/metro-bank/card.svg"
alt="Metro Bank 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 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 10
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 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 ...
Metro Bank ATM API
Endpoint for getting ATM data
Metro Bank BCA API
Endpoint for getting Business Current Account data
Metro Bank Branch API
Endpoint for getting Branch data
Metro Bank CCC API
Endpoint for getting Commercial Credit Card data
Metro Bank PCA API
Endpoint for getting Personal Current Account data
Metro Bank SME API
Endpoint for getting Unsecured SME Loan data
Scroll within the panel for all 10 ·
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 COLLECTIONSecurity 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 2
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
This is an independent, third-party profile of Metro Bank, 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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you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.