Santander UK
Santander UK plc is a major British retail and commercial bank and one of the CMA9 banks mandated to deliver UK Open Banking. It is a wholly owned, ring-fenced subsidiary of Banco Santander S.A. of Madrid, Spain, and was formed from the former Abbey National, Alliance & Leicester, and the savings business of Bradford & Bingley. Operating from Milton Keynes with a registered office in London, it serves around 14 million active personal, business, and corporate customers. Santander UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. Under PSD2 and the CMA Order it publishes a developer portal ("Santander Developers") exposing free, unauthenticated Open Data APIs (ATMs, branches, and product reference data) plus the OBIE Read/Write API family - Account & Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) - conformant to the Open Banking Implementation Entity standard and secured with FAPI-grade OAuth2/OIDC, mutual-TLS client authentication, and PSD2 strong customer authentication.
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 Santander UK the way a machine reads it — 39 machine-readable artifacts across 4 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 — Santander UK scores 38.2/100 (thin), with a separate agent-readiness read of 38/100 (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. 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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<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/santander-uk/"
title="Santander UK on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/santander-uk.svg"
alt="Santander UK Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/santander-uk/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/santander-uk/"
title="Santander UK on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/santander-uk/card.svg"
alt="Santander UK 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 Santander UK
Each block below is one kind of artifact we hold for Santander UK. 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 34
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.
Santander UK Account Access Consents API
The Account Access Consents API from Santander UK — 2 operation(s) for account access consents.
Santander UK Accounts API
The Accounts API from Santander UK — 2 operation(s) for accounts.
Santander UK ATM API
Endpoint for getting ATM data
Santander UK Balances API
The Balances API from Santander UK — 2 operation(s) for balances.
Santander UK BCA API
Endpoint for getting Business Current Account data
Santander UK Beneficiaries API
The Beneficiaries API from Santander UK — 2 operation(s) for beneficiaries.
Santander UK Branch API
Endpoint for getting Branch data
Santander UK CCC API
Endpoint for getting Commercial Credit Card data
Santander UK Direct Debits API
The Direct Debits API from Santander UK — 2 operation(s) for direct debits.
Santander UK Domestic Payment Consents API
The Domestic Payment Consents API from Santander UK — 3 operation(s) for domestic payment consents.
Santander UK Domestic Payments API
The Domestic Payments API from Santander UK — 3 operation(s) for domestic payments.
Santander UK Domestic Scheduled Payment Consents API
The Domestic Scheduled Payment Consents API from Santander UK — 2 operation(s) for domestic scheduled payment consents.
Santander UK Domestic Scheduled Payments API
The Domestic Scheduled Payments API from Santander UK — 3 operation(s) for domestic scheduled payments.
Santander UK Domestic Standing Order Consents API
The Domestic Standing Order Consents API from Santander UK — 2 operation(s) for domestic standing order consents.
Santander UK Domestic Standing Orders API
The Domestic Standing Orders API from Santander UK — 3 operation(s) for domestic standing orders.
Santander UK File Payment Consents API
The File Payment Consents API from Santander UK — 3 operation(s) for file payment consents.
Santander UK File Payments API
The File Payments API from Santander UK — 4 operation(s) for file payments.
Santander UK Funds Confirmation Consents API
The Funds Confirmation Consents API from Santander UK — 2 operation(s) for funds confirmation consents.
Santander UK Funds Confirmations API
The Funds Confirmations API from Santander UK — 1 operation(s) for funds confirmations.
Santander UK International Payment Consents API
The International Payment Consents API from Santander UK — 3 operation(s) for international payment consents.
Santander UK International Payments API
The International Payments API from Santander UK — 3 operation(s) for international payments.
Santander UK International Scheduled Payments API
The International Scheduled Payments API from Santander UK — 3 operation(s) for international scheduled payments.
Santander UK International Scheduled Payments Consents API
The International Scheduled Payments Consents API from Santander UK — 3 operation(s) for international scheduled payments consents.
Santander UK International Standing Orders API
The International Standing Orders API from Santander UK — 3 operation(s) for international standing orders.
Santander UK International Standing Orders Consents API
The International Standing Orders Consents API from Santander UK — 2 operation(s) for international standing orders consents.
Santander UK Offers API
The Offers API from Santander UK — 2 operation(s) for offers.
Santander UK Parties API
The Parties API from Santander UK — 3 operation(s) for parties.
Santander UK PCA API
Endpoint for getting Personal Current Account data
Santander UK Products API
The Products API from Santander UK — 2 operation(s) for products.
Santander UK Scheduled Payments API
The Scheduled Payments API from Santander UK — 2 operation(s) for scheduled payments.
Santander UK SME API
Endpoint for getting Unsecured SME Loan data
Santander UK Standing Orders API
The Standing Orders API from Santander UK — 2 operation(s) for standing orders.
Santander UK Statements API
The Statements API from Santander UK — 5 operation(s) for statements.
Santander UK Transactions API
The Transactions API from Santander UK — 2 operation(s) for transactions.
Scroll within the panel for all 34 ·
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 Santander UK — 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 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 5
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/santander-uk · machine-readable index on apis.io
This is an independent, third-party profile of Santander UK, 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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