UK Open Banking
UK Open Banking standard with REST APIs for account and transaction data, payment initiation, variable recurring payments, and confirmation of funds for regulated financial services. Governed by the Open Banking Implementation Entity (OBIE) and overseen by the FCA and PSR under PSD2 and the CMA Order.
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 UK Open Banking the way a machine reads it — 63 machine-readable artifacts across 42 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 — UK Open Banking scores 54.2/100 (developing), with a separate agent-readiness read of 48/100 (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.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile UK Open Banking
Each block below is one kind of artifact we hold for UK Open Banking. 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 42
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.
UK Open Banking Open Data API
Public-facing APIs enabling third-party developers to access standardized open data published by Account Servicing Payment Service Providers, including ATM locations, branch loc...
UK Open Banking Dynamic Client Registration API
Allows TPPs to dynamically register as OAuth clients with ASPSPs by submitting Software Statement Assertions issued by the Open Banking Directory. Supports client creation, retr...
UK Open Banking Directory API
Technical API describing the Open Banking Directory, including participant registration, Software Statement management, and service discovery for TPPs and ASPSPs operating withi...
UK Open Banking Account Access Consents API
The Account Access Consents API from UK Open Banking — 2 operation(s) for account access consents.
UK Open Banking Accounts API
The Accounts API from UK Open Banking — 2 operation(s) for accounts.
UK Open Banking ATM API
Endpoint for getting ATM data
UK Open Banking Balances API
The Balances API from UK Open Banking — 2 operation(s) for balances.
UK Open Banking BCA API
Endpoint for getting Business Current Account data
UK Open Banking Beneficiaries API
The Beneficiaries API from UK Open Banking — 2 operation(s) for beneficiaries.
UK Open Banking Branch API
Endpoint for getting Branch data
UK Open Banking CCC API
Endpoint for getting Commercial Credit Card data
UK Open Banking Direct Debits API
The Direct Debits API from UK Open Banking — 2 operation(s) for direct debits.
UK Open Banking Domestic Payment Consents API
The Domestic Payment Consents API from UK Open Banking — 3 operation(s) for domestic payment consents.
UK Open Banking Domestic Payments API
The Domestic Payments API from UK Open Banking — 3 operation(s) for domestic payments.
UK Open Banking Domestic Scheduled Payment Consents API
The Domestic Scheduled Payment Consents API from UK Open Banking — 2 operation(s) for domestic scheduled payment consents.
UK Open Banking Domestic Scheduled Payments API
The Domestic Scheduled Payments API from UK Open Banking — 3 operation(s) for domestic scheduled payments.
UK Open Banking Domestic Standing Order Consents API
The Domestic Standing Order Consents API from UK Open Banking — 2 operation(s) for domestic standing order consents.
UK Open Banking Domestic Standing Orders API
The Domestic Standing Orders API from UK Open Banking — 3 operation(s) for domestic standing orders.
UK Open Banking Domestic VRP Consents API
The Domestic VRP Consents API from UK Open Banking — 3 operation(s) for domestic vrp consents.
UK Open Banking Domestic VRPs API
The Domestic VRPs API from UK Open Banking — 3 operation(s) for domestic vrps.
UK Open Banking Event Notification API
The Event Notification API from UK Open Banking — 1 operation(s) for event notification.
UK Open Banking Event Subscriptions API
The Event Subscriptions API from UK Open Banking — 2 operation(s) for event subscriptions.
UK Open Banking Events API
The Events API from UK Open Banking — 1 operation(s) for events.
UK Open Banking File Payment Consents API
The File Payment Consents API from UK Open Banking — 3 operation(s) for file payment consents.
UK Open Banking File Payments API
The File Payments API from UK Open Banking — 4 operation(s) for file payments.
UK Open Banking Funds Confirmation Consents API
The Funds Confirmation Consents API from UK Open Banking — 2 operation(s) for funds confirmation consents.
UK Open Banking Funds Confirmations API
The Funds Confirmations API from UK Open Banking — 1 operation(s) for funds confirmations.
UK Open Banking International Payment Consents API
The International Payment Consents API from UK Open Banking — 3 operation(s) for international payment consents.
UK Open Banking International Payments API
The International Payments API from UK Open Banking — 3 operation(s) for international payments.
UK Open Banking International Scheduled Payments API
The International Scheduled Payments API from UK Open Banking — 3 operation(s) for international scheduled payments.
UK Open Banking International Scheduled Payments Consents API
The International Scheduled Payments Consents API from UK Open Banking — 3 operation(s) for international scheduled payments consents.
UK Open Banking International Standing Orders API
The International Standing Orders API from UK Open Banking — 3 operation(s) for international standing orders.
UK Open Banking International Standing Orders Consents API
The International Standing Orders Consents API from UK Open Banking — 2 operation(s) for international standing orders consents.
UK Open Banking Offers API
The Offers API from UK Open Banking — 2 operation(s) for offers.
UK Open Banking Parties API
The Parties API from UK Open Banking — 3 operation(s) for parties.
UK Open Banking PCA API
Endpoint for getting Personal Current Account data
UK Open Banking Products API
The Products API from UK Open Banking — 2 operation(s) for products.
UK Open Banking Scheduled Payments API
The Scheduled Payments API from UK Open Banking — 2 operation(s) for scheduled payments.
UK Open Banking SME API
Endpoint for getting Unsecured SME Loan data
UK Open Banking Standing Orders API
The Standing Orders API from UK Open Banking — 2 operation(s) for standing orders.
UK Open Banking Statements API
The Statements API from UK Open Banking — 5 operation(s) for statements.
UK Open Banking Transactions API
The Transactions API from UK Open Banking — 2 operation(s) for transactions.
Scroll within the panel for all 42 ·
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Plans
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Finops
FINOPSSemantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Apis Context
JSON-LDSpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
UK Open Banking API Rules
SPECTRALJSON Schema 6
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
Account and Transaction API Specification
JSON SCHEMAConfirmation of Funds API Specification
JSON SCHEMAEvents API Specification - ASPSP Endpoints
JSON SCHEMAPayment Initiation API
JSON SCHEMAOBL VRP Profile
JSON SCHEMAExamples 6
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Account Info Examples
EXAMPLEConfirmation Funds Examples
EXAMPLEEvent Notifications Examples
EXAMPLEEvents Examples
EXAMPLEPayment Initiation Examples
EXAMPLEVrp Examples
EXAMPLESecurity 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 UK Open Banking — 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
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
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 4
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/open-banking-uk · machine-readable index on apis.io