Redwood Bank
Redwood Bank is a specialist UK challenger bank for small and medium-sized businesses, headquartered in Letchworth Garden City, Hertfordshire. Launched in 2017 after receiving its banking licence from the Prudential Regulation Authority and Financial Conduct Authority (Financial Services Register firm reference 755924, company number 09872265), it is wholly owned by Redwood Financial Partners Ltd — a vehicle controlled by Jonathan and David Rowland, with Warrington Borough Council holding a roughly one-third stake. Redwood focuses narrowly on business and charity savings accounts and individually underwritten commercial and buy-to-let mortgages, and is not one of the CMA9 mandated banks. Because its product range is deposit- and lending-only (it does not offer a payment / business current account), it falls outside the PSD2 scope that compels UK Open Banking, and as of this review it publishes no public developer portal, no OBIE Read/Write (AIS/PIS/CBPII) APIs, and no confirmed Open Banking Open Data endpoint.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Redwood Bank the way a machine reads it — 3 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 — Redwood Bank scores 22.6/100 (emerging), with a separate agent-readiness read of 14/100 (human only). 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 Redwood Bank
Each block below is one kind of artifact we hold for Redwood 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 1
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.
Redwood Bank Website Member Authentication (Umbraco Delivery API)
The OpenID Connect member-authentication surface (OpenIddict) behind the Umbraco headless-CMS "Content Delivery API" that powers redwoodbank.co.uk. This is the only live, machin...
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.
Resources
Every other property we hold for Redwood 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.
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 1
Pagination, idempotency, versioning, errors, and events
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
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