Vanquis Banking Group
Vanquis Banking Group plc (formerly Provident Financial plc, rebranded 2023) is a UK specialist non-prime lender and savings bank headquartered in Bradford, England, listed on the London Stock Exchange under the ticker VANQ and serving around 1.75 million customers under the Vanquis, Moneybarn and Snoop brands. It offers credit cards, unsecured personal loans, second-charge mortgages, retail savings (easy-access, fixed-rate, notice and ISA accounts) and consumer vehicle finance to customers underserved by mainstream lenders. Its banking subsidiary, Vanquis Bank Limited, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (Financial Services Register no. 221156) and, as an FCA-authorised ASPSP, is a UK Open Banking participant (not one of the CMA9). Vanquis exposes the OBIE Read/Write API family - Account and Transaction Information (AIS), Payment Initiation (PIS) and Confirmation of Funds (CBPII) at v3.1.10 - plus Dynamic Client Registration, onboarded and secured through the Open Banking Directory under the PSD2 / FAPI security profile (OAuth2/OIDC, mutual-TLS and strong customer authentication). As a credit-card and savings specialist with no branch or current-account estate, Vanquis publishes no public Open Data (ATM/Branch/PCA/BCA) API.
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 Vanquis Banking Group the way a machine reads it — 26 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 — Vanquis Banking Group scores 42.1/100 (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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How we profile Vanquis Banking Group
Each block below is one kind of artifact we hold for Vanquis Banking Group. 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 22
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.
Vanquis Bank Dynamic Client Registration API
Vanquis Bank's OpenID / OBIE Dynamic Client Registration (DCR) endpoint, documented on the Vanquis developer portal, allowing onboarded Third Party Providers to register OAuth c...
Vanquis Banking Group Account Access API
The Account Access API from Vanquis Banking Group — 2 operation(s) for account access.
Vanquis Banking Group Accounts API
The Accounts API from Vanquis Banking Group — 2 operation(s) for accounts.
Vanquis Banking Group Balances API
The Balances API from Vanquis Banking Group — 2 operation(s) for balances.
Vanquis Banking Group Beneficiaries API
The Beneficiaries API from Vanquis Banking Group — 2 operation(s) for beneficiaries.
Vanquis Banking Group Direct Debits API
The Direct Debits API from Vanquis Banking Group — 2 operation(s) for direct debits.
Vanquis Banking Group Domestic Payments API
The Domestic Payments API from Vanquis Banking Group — 5 operation(s) for domestic payments.
Vanquis Banking Group Domestic Scheduled Payments API
The Domestic Scheduled Payments API from Vanquis Banking Group — 4 operation(s) for domestic scheduled payments.
Vanquis Banking Group Domestic Standing Orders API
The Domestic Standing Orders API from Vanquis Banking Group — 4 operation(s) for domestic standing orders.
Vanquis Banking Group File Payments API
The File Payments API from Vanquis Banking Group — 6 operation(s) for file payments.
Vanquis Banking Group Funds Confirmations API
The Funds Confirmations API from Vanquis Banking Group — 3 operation(s) for funds confirmations.
Vanquis Banking Group International Payments API
The International Payments API from Vanquis Banking Group — 5 operation(s) for international payments.
Vanquis Banking Group International Scheduled Payments API
The International Scheduled Payments API from Vanquis Banking Group — 5 operation(s) for international scheduled payments.
Vanquis Banking Group International Standing Orders API
The International Standing Orders API from Vanquis Banking Group — 4 operation(s) for international standing orders.
Vanquis Banking Group Offers API
The Offers API from Vanquis Banking Group — 2 operation(s) for offers.
Vanquis Banking Group Parties API
The Parties API from Vanquis Banking Group — 3 operation(s) for parties.
Vanquis Banking Group Payment Details API
The Payment Details API from Vanquis Banking Group — 7 operation(s) for payment details.
Vanquis Banking Group Products API
The Products API from Vanquis Banking Group — 2 operation(s) for products.
Vanquis Banking Group Scheduled Payments API
The Scheduled Payments API from Vanquis Banking Group — 2 operation(s) for scheduled payments.
Vanquis Banking Group Standing Orders API
The Standing Orders API from Vanquis Banking Group — 2 operation(s) for standing orders.
Vanquis Banking Group Statements API
The Statements API from Vanquis Banking Group — 4 operation(s) for statements.
Vanquis Banking Group Transactions API
The Transactions API from Vanquis Banking Group — 3 operation(s) for transactions.
Scroll within the panel for all 22 ·
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 Vanquis Banking Group — 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 5
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 3
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 4
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/vanquis-banking-group · machine-readable index on apis.io
This is an independent, third-party profile of Vanquis Banking Group, 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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