TSB Bank
TSB Bank plc is a British retail and commercial bank headquartered in Edinburgh, offering current accounts, savings, mortgages, personal loans, credit cards, and insurance to personal and business customers across the United Kingdom. Spun out of Lloyds Banking Group in 2013 and listed before being acquired in 2015, TSB is a wholly owned subsidiary of the Spanish banking group Banco Sabadell. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. As an FCA-authorised account servicing payment service provider (ASPSP) under PSD2, TSB participates in UK Open Banking and publishes its APIs conformant to the Open Banking Implementation Entity (OBIE) standards through a public developer portal at apis.developer.tsb.co.uk. TSB is not one of the nine CMA-mandated banks (CMA9) but implements the same OBIE Open Data and Read/Write API family: unauthenticated Open Data reference APIs plus FAPI-secured Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) services secured with OAuth2/OIDC, mutual-TLS, 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 TSB Bank the way a machine reads it — 11 machine-readable artifacts across 5 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 — TSB Bank scores 42.7/100 (thin), 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 TSB Bank
Each block below is one kind of artifact we hold for TSB 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 5
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.
TSB Open Data API
TSB's public, unauthenticated Open Data API conformant to the OBIE Open Data API Standard, exposing reference data for ATMs, branches, personal current accounts, business curren...
TSB Account and Transaction Information API (AIS)
TSB's OBIE Read/Write Account and Transaction Information (AIS) API, providing authorised third-party providers read access to account, balance, transaction, beneficiary, standi...
TSB Payment Initiation API (PIS)
TSB's OBIE Read/Write Payment Initiation (PIS) API, enabling authorised third-party providers to initiate domestic and scheduled payments and standing orders on behalf of consen...
TSB Confirmation of Funds API (CBPII)
TSB's OBIE Read/Write Confirmation of Funds (CBPII) API, allowing authorised card-based payment instrument issuers to confirm whether funds are available on a customer account. ...
TSB OAuth Toolkit (OTK) Server
TSB's OpenID Connect / OAuth2 authorization server (Curity OAuth Toolkit, OTK Server APIs v4.3.1), backing the FAPI-secured OBIE Read/Write services. Exposes the authorize, toke...
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.
tsb-bank-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.
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 TSB 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 1
Portal, sign-up, and the first successful call
Documentation 1
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
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 6
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 1
Properties that don't map to a standard resource type
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