Tandem Bank
Tandem Bank (Tandem Bank Limited) is a UK app-only challenger and self-styled "greener" digital bank founded in 2014 and headquartered in Blackpool, England, with offices in Cardiff, Durham, and London. It obtained its UK banking licence through the 2018 acquisition of Harrods Bank and has since grown by acquiring Allium Lending Group, Oplo, and Loop Money, offering savings and cash ISAs, green home-improvement and home loans, mortgages, motor finance, and a credit card. Tandem Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. It is not one of the CMA9 and does not publish a public Open Data reference API; as an FCA-authorised ASPSP it meets UK Open Banking / PSD2 obligations through a dedicated interface provided by Token, conformant to the Open Banking Implementation Entity (OBIE) Read/Write Standard for Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII), secured with FAPI-grade OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. Tandem also consumes Open Banking as a TPP via TrueLayer for savings onboarding and transfers.
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 Tandem Bank the way a machine reads it — 32 machine-readable artifacts across 3 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 — Tandem Bank scores 39.7/100 (developing), 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/tandem-bank/"
title="Tandem Bank on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/tandem-bank.svg"
alt="Tandem Bank Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/tandem-bank/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/tandem-bank/"
title="Tandem Bank on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/tandem-bank/card.svg"
alt="Tandem 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 Tandem Bank
Each block below is one kind of artifact we hold for Tandem 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 28
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.
Tandem Bank Account Access Consents API
The Account Access Consents API from Tandem Bank — 2 operation(s) for account access consents.
Tandem Bank Accounts API
The Accounts API from Tandem Bank — 2 operation(s) for accounts.
Tandem Bank Balances API
The Balances API from Tandem Bank — 2 operation(s) for balances.
Tandem Bank Beneficiaries API
The Beneficiaries API from Tandem Bank — 2 operation(s) for beneficiaries.
Tandem Bank Direct Debits API
The Direct Debits API from Tandem Bank — 2 operation(s) for direct debits.
Tandem Bank Domestic Payment Consents API
The Domestic Payment Consents API from Tandem Bank — 3 operation(s) for domestic payment consents.
Tandem Bank Domestic Payments API
The Domestic Payments API from Tandem Bank — 3 operation(s) for domestic payments.
Tandem Bank Domestic Scheduled Payment Consents API
The Domestic Scheduled Payment Consents API from Tandem Bank — 2 operation(s) for domestic scheduled payment consents.
Tandem Bank Domestic Scheduled Payments API
The Domestic Scheduled Payments API from Tandem Bank — 3 operation(s) for domestic scheduled payments.
Tandem Bank Domestic Standing Order Consents API
The Domestic Standing Order Consents API from Tandem Bank — 2 operation(s) for domestic standing order consents.
Tandem Bank Domestic Standing Orders API
The Domestic Standing Orders API from Tandem Bank — 3 operation(s) for domestic standing orders.
Tandem Bank File Payment Consents API
The File Payment Consents API from Tandem Bank — 3 operation(s) for file payment consents.
Tandem Bank File Payments API
The File Payments API from Tandem Bank — 4 operation(s) for file payments.
Tandem Bank Funds Confirmation Consents API
The Funds Confirmation Consents API from Tandem Bank — 2 operation(s) for funds confirmation consents.
Tandem Bank Funds Confirmations API
The Funds Confirmations API from Tandem Bank — 1 operation(s) for funds confirmations.
Tandem Bank International Payment Consents API
The International Payment Consents API from Tandem Bank — 3 operation(s) for international payment consents.
Tandem Bank International Payments API
The International Payments API from Tandem Bank — 3 operation(s) for international payments.
Tandem Bank International Scheduled Payments API
The International Scheduled Payments API from Tandem Bank — 3 operation(s) for international scheduled payments.
Tandem Bank International Scheduled Payments Consents API
The International Scheduled Payments Consents API from Tandem Bank — 3 operation(s) for international scheduled payments consents.
Tandem Bank International Standing Orders API
The International Standing Orders API from Tandem Bank — 3 operation(s) for international standing orders.
Tandem Bank International Standing Orders Consents API
The International Standing Orders Consents API from Tandem Bank — 2 operation(s) for international standing orders consents.
Tandem Bank Offers API
The Offers API from Tandem Bank — 2 operation(s) for offers.
Tandem Bank Parties API
The Parties API from Tandem Bank — 3 operation(s) for parties.
Tandem Bank Products API
The Products API from Tandem Bank — 2 operation(s) for products.
Tandem Bank Scheduled Payments API
The Scheduled Payments API from Tandem Bank — 2 operation(s) for scheduled payments.
Tandem Bank Standing Orders API
The Standing Orders API from Tandem Bank — 2 operation(s) for standing orders.
Tandem Bank Statements API
The Statements API from Tandem Bank — 5 operation(s) for statements.
Tandem Bank Transactions API
The Transactions API from Tandem Bank — 2 operation(s) for transactions.
Scroll within the panel for all 28 ·
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.
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 Tandem 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 2
Portal, sign-up, and the first successful call
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 5
The organization behind the API
Other 6
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/tandem-bank · machine-readable index on apis.io
This is an independent, third-party profile of Tandem 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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