Yorkshire Building Society
Yorkshire Building Society (YBS) is a UK mutual building society founded in 1864 and headquartered in Bradford, West Yorkshire. As a member-owned mutual rather than a shareholder-owned bank, it is owned by and run for the benefit of its savers and borrowers, with more than three million customers and around £66 billion in assets across the YBS Group, which trades under the Yorkshire Building Society, Chelsea Building Society (CBS), Norwich & Peterborough and Accord Mortgages brands. YBS is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA as an FCA-authorised ASPSP. Although it is not one of the CMA9 banks mandated to build Open Banking, YBS is a voluntary participant in the UK Open Banking / PSD2 ecosystem and operates a public developer portal at developers.ybs.co.uk that documents its OBIE Read/Write API family - Account Information (AIS), Payment Initiation (PIS), Confirmation of Funds (CBPII), Event Subscriptions, Dynamic Client Registration, and token issuance - conformant to the Open Banking Implementation Entity (OBIE) Read/Write Data API Standard v3.1.2. Access to the production and sandbox surfaces (ob-ybs.api.ybs.co.uk / ob-che.api.ybs.co.uk and the matching sandbox hosts) is secured with FAPI-grade OAuth2/OIDC, PSD2 strong customer authentication, mutual-TLS transport authentication and PS256-signed JWTs, and is available to FCA-authorised third-party providers holding eIDAS/OBIE certificates.
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 Yorkshire Building Society the way a machine reads it — 29 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 — Yorkshire Building Society scores 46.3/100 (developing), with a separate agent-readiness read of 46/100 (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. 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 Yorkshire Building Society
Each block below is one kind of artifact we hold for Yorkshire Building Society. 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 24
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.
Yorkshire Building Society Dynamic Client Registration API
OBIE Dynamic Client Registration (DCR) API v3.1 - lets an FCA-authorised TPP present its OBIE/eIDAS software statement and register a client application with the YBS and Chelsea...
Yorkshire Building Society Generate Access Token API
OBIE token endpoint (Generate Access Token API v3.1.0) - the OAuth2/OIDC token endpoint used by onboarded TPPs to exchange authorization codes and client credentials for access ...
Yorkshire Building Society Account Access API
The Account Access API from Yorkshire Building Society — 2 operation(s) for account access.
Yorkshire Building Society Accounts API
The Accounts API from Yorkshire Building Society — 2 operation(s) for accounts.
Yorkshire Building Society Balances API
The Balances API from Yorkshire Building Society — 2 operation(s) for balances.
Yorkshire Building Society Beneficiaries API
The Beneficiaries API from Yorkshire Building Society — 2 operation(s) for beneficiaries.
Yorkshire Building Society Direct Debits API
The Direct Debits API from Yorkshire Building Society — 2 operation(s) for direct debits.
Yorkshire Building Society Domestic Payments API
The Domestic Payments API from Yorkshire Building Society — 5 operation(s) for domestic payments.
Yorkshire Building Society Domestic Scheduled Payments API
The Domestic Scheduled Payments API from Yorkshire Building Society — 4 operation(s) for domestic scheduled payments.
Yorkshire Building Society Domestic Standing Orders API
The Domestic Standing Orders API from Yorkshire Building Society — 4 operation(s) for domestic standing orders.
Yorkshire Building Society Event Subscriptions API
The Event Subscriptions API from Yorkshire Building Society — 2 operation(s) for event subscriptions.
Yorkshire Building Society File Payments API
The File Payments API from Yorkshire Building Society — 6 operation(s) for file payments.
Yorkshire Building Society Funds Confirmations API
The Funds Confirmations API from Yorkshire Building Society — 3 operation(s) for funds confirmations.
Yorkshire Building Society International Payments API
The International Payments API from Yorkshire Building Society — 5 operation(s) for international payments.
Yorkshire Building Society International Scheduled Payments API
The International Scheduled Payments API from Yorkshire Building Society — 5 operation(s) for international scheduled payments.
Yorkshire Building Society International Standing Orders API
The International Standing Orders API from Yorkshire Building Society — 4 operation(s) for international standing orders.
Yorkshire Building Society Offers API
The Offers API from Yorkshire Building Society — 2 operation(s) for offers.
Yorkshire Building Society Parties API
The Parties API from Yorkshire Building Society — 3 operation(s) for parties.
Yorkshire Building Society Payment Details API
The Payment Details API from Yorkshire Building Society — 7 operation(s) for payment details.
Yorkshire Building Society Products API
The Products API from Yorkshire Building Society — 2 operation(s) for products.
Yorkshire Building Society Scheduled Payments API
The Scheduled Payments API from Yorkshire Building Society — 2 operation(s) for scheduled payments.
Yorkshire Building Society Standing Orders API
The Standing Orders API from Yorkshire Building Society — 2 operation(s) for standing orders.
Yorkshire Building Society Statements API
The Statements API from Yorkshire Building Society — 4 operation(s) for statements.
Yorkshire Building Society Transactions API
The Transactions API from Yorkshire Building Society — 3 operation(s) for transactions.
Scroll within the panel for all 24 ·
Event Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
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 Yorkshire Building Society — 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 3
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 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 3
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 5
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/yorkshire-building-society · machine-readable index on apis.io
This is an independent, third-party profile of Yorkshire Building Society, 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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