Triodos Bank UK
Triodos Bank UK Limited is a values-based, sustainability-focused bank headquartered in Bristol, England, and the UK arm of Triodos Bank N.V. (founded 1980, Netherlands), one of Europe's leading ethical banks. Ownership of the parent sits with the SAAT foundation (Stichting Administratiekantoor Aandelen Triodos Bank), which issues depositary receipts rather than tradable shares, so Triodos is neither a conventional listed plc nor a customer mutual; it is a certified B Corporation that lends only to organisations delivering positive social, environmental, and cultural impact. Triodos Bank UK Ltd (company no. 11379025) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and PRA (FRN 817008). As an FCA-authorised ASPSP it meets UK Open Banking / PSD2 obligations, but - unlike the CMA9 - it is a specialist lender that implements the Berlin Group NextGenPSD2 (XS2A) standard rather than the OBIE UK Read/Write standard, publishing a single developer platform at developer.triodos.com covering its UK, Netherlands, and Belgium account holders. Its production XS2A APIs provide Account Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CoF) services, secured with OAuth2/OpenID Connect authorization, mutual-TLS client authentication, eIDAS/QWAC certificates, and PSD2 strong customer authentication, with a full sandbox for onboarding and testing.
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 Triodos Bank UK the way a machine reads it — 10 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 — Triodos Bank UK scores 51.0/100 (developing), with a separate agent-readiness read of 81/100 (agent native). 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 Triodos Bank UK
Each block below is one kind of artifact we hold for Triodos Bank 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 4
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.
Triodos Account Information Service (AIS) API
The XS2A Account Information Service (AIS) from Triodos Bank UK - 13 operation(s) for consented, secure read access to Triodos payment account details, balances, and transaction...
Triodos Payment Initiation Service (PIS) API
The XS2A Payment Initiation Service (PIS) from Triodos Bank UK - 66 operation(s) for initiating, authorising, and tracking SEPA, cross-border, UK domestic, and periodic (recurri...
Triodos Confirmation of Funds Service (CoF) API
The XS2A Confirmation of Funds Service (CoF/CBPII) from Triodos Bank UK - 9 operation(s) for card-based payment instrument issuers to check the availability of funds on a Triodo...
Triodos XS2A Authorization (OAuth2/OIDC) API
The Triodos Auth service - 8 operation(s) implementing OAuth2 / OpenID Connect for XS2A third-party providers, including dynamic client registration, OpenID configuration discov...
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
triodos-bank-uk-mcp.yml
MCP SERVERSecurity Posture 3
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.
Triodos Bank Uk Authentication
oauth2/openIdConnect/mutualTLS/httpMessageSignature/http-basic · 4 schemes
SECURITYScopes 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 Triodos Bank 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 4
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Access & Security 7
Authentication, authorization, and security posture
Scroll within the panel for all 7 ·
Operate 3
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 3
Properties that don't map to a standard resource type
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