Virgin Money UK
Virgin Money UK is a full-service UK retail and business bank, operating the Virgin Money, Clydesdale Bank, Yorkshire Bank, and B brands across personal current and savings accounts, mortgages, credit cards, and business banking. Formerly the FTSE-listed Virgin Money UK PLC (the former CYBG plc), it was acquired by Nationwide Building Society on 1 October 2024, making it part of a mutually owned group; its banking business is scheduled to transfer into Nationwide on 2 April 2026. The bank is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA as an ASPSP. It is not one of the original CMA9 but is a fully participating UK Open Banking provider under PSD2 and the Payment Services Regulations 2017, publishing OBIE Read/Write Standard APIs - Account & Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) - through its developer portal at developer.virginmoney.com, split into "Merged" APIs (Virgin Money, Clydesdale and Yorkshire accounts, sort codes 05/82) and "Standalone" APIs (personal accounts and credit cards, sort code 08). Access is secured with FAPI-grade OAuth2/OpenID Connect, PSD2 strong customer authentication, mutual-TLS client authentication, and dynamic client registration using OBIE (OBWAC/OBSeal) or eIDAS (QWAC/QSEAL) certificates.
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 Virgin Money UK the way a machine reads it — 17 machine-readable artifacts across 12 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 — Virgin Money UK scores 42.1/100 (thin), with a separate agent-readiness read of 69/100 (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 Virgin Money UK
Each block below is one kind of artifact we hold for Virgin Money 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 12
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.
Virgin Money UK Open Data API
PUBLIC, unauthenticated OBIE Open Data API surface (ATM Locator, Branch Locator, Personal & Business Current Accounts, Unsecured SME Loans, Commercial Credit Cards). Represented...
Virgin Money UK Account and Transaction API (AIS)
OBIE Read/Write Account & Transaction Information (AIS) API - retrieve accounts, balances, transactions, beneficiaries, standing orders, direct debits, and statements. Merged br...
Virgin Money UK Domestic Immediate Payment API (PIS)
OBIE Read/Write Payment Initiation (PIS) API for domestic immediate payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
Virgin Money UK Domestic Scheduled Payment API (PIS)
OBIE Read/Write Payment Initiation (PIS) API for domestic scheduled payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
Virgin Money UK File Payments API (PIS)
OBIE Read/Write Payment Initiation (PIS) API for batch/file payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
Virgin Money UK International Payments API (PIS)
OBIE Read/Write Payment Initiation (PIS) API for international payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
Virgin Money UK International Scheduled Payments API (PIS)
OBIE Read/Write Payment Initiation (PIS) API for international scheduled payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
Virgin Money UK Confirmation of Funds API (CBPII)
OBIE Read/Write Confirmation of Funds (CBPII) API - allows a Card Based Payment Instrument Issuer to check whether sufficient balance is available to make a payment. Merged bran...
Virgin Money UK OIDC API
Open Banking-compliant OpenID Connect provider for TPP authorisation. Live production discovery document confirmed (HTTP 200, 2026-07-23): issuer https://api.prod.ob.virginmoney...
Virgin Money UK Token API
OAuth2 token endpoint for obtaining access tokens used to call the OBIE Read/Write APIs. Documented at v3.0. Confirmed token endpoint (from live OIDC discovery): secureapi.prod....
Virgin Money UK Dynamic Client Registration API
OBIE Dynamic Client Registration (DCR) API allowing TPPs to register with Virgin Money brands using OBIE (OBWAC/OBSeal) or eIDAS (QWAC/QSEAL) certificates. Documented at v3.2. C...
Virgin Money UK Standalone Account and Transaction API (AIS)
OBIE Read/Write Account & Transaction Information (AIS) API for the Standalone brand family (personal credit cards and sort-code-08 current and savings accounts), documented at ...
Scroll within the panel for all 12 ·
Security 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 Virgin Money 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 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
Access & Security 6
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 1
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/virgin-money-uk · machine-readable index on apis.io