AIB Group (UK) website screenshot

AIB Group (UK)

AIB Group (UK) p.l.c. is a UK bank incorporated in Northern Ireland (registered number NI018800, registered office 92 Ann Street, Belfast BT1 3HH), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It trades as Allied Irish Bank (GB) and Allied Irish Bank (GB) Savings Direct, and is the UK banking subsidiary of the Irish AIB Group plc. As one of the CMA9 banks mandated under the UK Competition and Markets Authority's Open Banking order, it runs a public developer portal publishing UK Open Banking APIs conformant to the Open Banking Implementation Entity (OBIE) standards - a public, unauthenticated Open Data API (v2.2) exposing personal current account, business current account, and unsecured SME loan product reference data, alongside the FAPI-secured Read/Write family (Account and Transaction Information, Payment Initiation, Confirmation of Funds, and Variable Recurring Payments to OBIE v4.0) accessed under OAuth2/OIDC consent with PSD2 strong customer authentication, dynamic client registration, and a sandbox for onboarding and testing before production.

AIB Group (UK) publishes 6 APIs on the APIs.io network, including ATM API, BCA API, Branch API, and 3 more. Tagged areas include Financial-Services, Banking, Open Banking, PSD2, and OBIE.

AIB Group (UK)’s developer surface includes authentication, getting-started guide, signup flow, engineering blog, documentation, support, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub
41.6/100 developing ▬ flat Agent 24/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
AccessSelf serve
1 APIs
Financial-ServicesBankingOpen BankingPSD2OBIECMA9United KingdomPaymentsAccount InformationConfirmation of FundsNorthern Ireland

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Composite quality — 41.6/100 · developing
Contract Quality 6.9 / 21
Developer Ergonomics 10.0 / 17
Access Clarity 7.2 / 17
Operational Transparency 0.0 / 11
Contract Governance 1.9 / 10
Discoverability 6.5 / 9
Regulatory Posture 8.2 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 6 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 4 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics does not apply to this provider. The published contracts declare no write operations, and a read-only API cannot create-or-update. The facet is excluded from this provider's denominator entirely — not scored zero. A reference or data API is not deficient for being unable to upsert.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/aib-group-uk: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 15

Individual APIs this provider publishes, each with its own machine-readable definition.

AIB Group (UK) Accounts Information API

OBIE Read/Write Account and Transaction Information API (AIS) v4.0 - account details, balances, transactions, standing orders, direct debits, and statements. FAPI-secured via OA...

AIB Group (UK) Payments Initiation API

OBIE Read/Write Payment Initiation API (PIS) v4.0 - domestic and scheduled payment initiation through a set-up, submit-after-consent, and status-retrieval flow. FAPI-secured via...

AIB Group (UK) Confirmation of Funds API

OBIE Read/Write Confirmation of Funds API (CBPII) v4.0 - returns a yes/no confirmation of whether funds are available for a specified payment. FAPI-secured via OAuth2/OIDC with ...

AIB Group (UK) Variable Recurring Payments API

OBIE Read/Write Variable Recurring Payments (VRP) API v4.0, including sweeping, letting authorised TPPs initiate a series of payments under a single long-lived consent. FAPI-sec...

AIB Group (UK) Dynamic Client Registration API

OBIE Dynamic Client Registration API v3.2, allowing authorised third-party providers to programmatically register client credentials using OBIE/eIDAS certificates before consumi...

AIB Group (UK) Credit Cards Information API

Credit Cards Information API providing access to credit card account information under the Open Banking consent model.

AIB Group (UK) Event Notification Subscription API

OBIE Event Notification Subscription API v4.0, letting TPPs manage subscriptions to real-time event notifications (aggregated polling / callbacks) for the Read/Write APIs.

AIB Group (UK) Aggregated Event Polling API

OBIE Aggregated Event Polling API v4.0, allowing TPPs to poll for aggregated event notifications relating to Account Information and Payment consents.

AIB Group (UK) FCA Service Metrics (BCA) API

FCA Service Metrics API for Business Current Accounts (BCA), publishing the service availability and performance metrics AIB Group (UK) is required to report under FCA rules.

AIB Group (UK) ATM API

Endpoint for getting ATM data

AIB Group (UK) BCA API

Endpoint for getting Business Current Account data

AIB Group (UK) Branch API

Endpoint for getting Branch data

AIB Group (UK) CCC API

Endpoint for getting Commercial Credit Card data

AIB Group (UK) PCA API

Endpoint for getting Personal Current Account data

AIB Group (UK) SME API

Endpoint for getting Unsecured SME Loan data

Scroll for all 15

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Open Data API

OPEN COLLECTION

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Aib Group Uk Authentication

oauth2/openIdConnect/mutualTLS · 4 schemes

SECURITY

Aib Group Uk Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Aib Group Uk Agentic Access

12 operations

12 operations · 0 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

GettingStarted
GettingStarted
 SignUp
SignUp
 DeveloperPortal
DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 DataModel
DataModel

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 Compliance
Compliance

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Blog
Blog
 Website
Website
 LinkedIn
LinkedIn

Other 2

Properties that don't map to a standard resource type

CapabilityMap
CapabilityMap
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: aib-group-uk
url: https://raw.githubusercontent.com/api-evangelist/aib-group-uk/refs/heads/main/apis.yml
name: AIB Group (UK)
kind: company
description: AIB Group (UK) p.l.c. is a UK bank incorporated in Northern Ireland (registered number NI018800, registered office
  92 Ann Street, Belfast BT1 3HH), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
  Authority and the Prudential Regulation Authority. It trades as Allied Irish Bank (GB) and Allied Irish Bank (GB) Savings
  Direct, and is the UK banking subsidiary of the Irish AIB Group plc. As one of the CMA9 banks mandated under the UK Competition
  and Markets Authority's Open Banking order, it runs a public developer portal publishing UK Open Banking APIs conformant
  to the Open Banking Implementation Entity (OBIE) standards - a public, unauthenticated Open Data API (v2.2) exposing personal
  current account, business current account, and unsecured SME loan product reference data, alongside the FAPI-secured Read/Write
  family (Account and Transaction Information, Payment Initiation, Confirmation of Funds, and Variable Recurring Payments
  to OBIE v4.0) accessed under OAuth2/OIDC consent with PSD2 strong customer authentication, dynamic client registration,
  and a sandbox for onboarding and testing before production.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-23'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Open Banking
- PSD2
- OBIE
- CMA9
- United Kingdom
- Payments
- Account Information
- Confirmation of Funds
- Northern Ireland
tags_raw:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- CMA9
- United Kingdom
- Payments
- Account Information
- Confirmation of Funds
- Northern Ireland
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: aib-group-uk:aib-group-uk-account-information-api
  name: AIB Group (UK) Accounts Information API
  description: OBIE Read/Write Account and Transaction Information API (AIS) v4.0 - account details, balances, transactions,
    standing orders, direct debits, and statements. FAPI-secured via OAuth2/OIDC consent with PSD2 strong customer authentication;
    access is granted through developer-portal onboarding and a sandbox.
  humanURL: https://developer.aibgb.co.uk/accounts-information-v4-0-gb/apis
  baseURL: ''
  tags:
  - Account Information
  - AIS
  - Read/Write
  tags_raw:
  - Account Information
  - AIS
  - Read Write
  properties:
  - type: Documentation
    url: https://developer.aibgb.co.uk/accounts-information-v4-0-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-payment-initiation-api
  name: AIB Group (UK) Payments Initiation API
  description: OBIE Read/Write Payment Initiation API (PIS) v4.0 - domestic and scheduled payment initiation through a set-up,
    submit-after-consent, and status-retrieval flow. FAPI-secured via OAuth2/OIDC with PSD2 strong customer authentication.
  humanURL: https://developer.aibgb.co.uk/payments-initiation-v4-0-gb/apis
  baseURL: ''
  tags:
  - Payment Initiation
  - PIS
  - Read/Write
  tags_raw:
  - Payment Initiation
  - PIS
  - Read Write
  properties:
  - type: Documentation
    url: https://developer.aibgb.co.uk/payments-initiation-v4-0-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-confirmation-of-funds-api
  name: AIB Group (UK) Confirmation of Funds API
  description: OBIE Read/Write Confirmation of Funds API (CBPII) v4.0 - returns a yes/no confirmation of whether funds are
    available for a specified payment. FAPI-secured via OAuth2/OIDC with PSD2 strong customer authentication.
  humanURL: https://developer.aibgb.co.uk/confirmation-funds-v4-0-gb/apis
  baseURL: ''
  tags:
  - Confirmation of Funds
  - CBPII
  - Read/Write
  tags_raw:
  - Confirmation of Funds
  - CBPII
  - Read Write
  properties:
  - type: Documentation
    url: https://developer.aibgb.co.uk/confirmation-funds-v4-0-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-variable-recurring-payments-api
  name: AIB Group (UK) Variable Recurring Payments API
  description: OBIE Read/Write Variable Recurring Payments (VRP) API v4.0, including sweeping, letting authorised TPPs initiate
    a series of payments under a single long-lived consent. FAPI-secured via OAuth2/OIDC with PSD2 strong customer authentication.
  humanURL: https://developer.aibgb.co.uk/variable-recurring-payments-v4-0-gb/apis
  baseURL: ''
  tags:
  - Variable Recurring Payments
  - VRP
  - Read/Write
  tags_raw:
  - Variable Recurring Payments
  - VRP
  - Read Write
  properties:
  - type: Documentation
    url: https://developer.aibgb.co.uk/variable-recurring-payments-v4-0-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-dynamic-client-registration-api
  name: AIB Group (UK) Dynamic Client Registration API
  description: OBIE Dynamic Client Registration API v3.2, allowing authorised third-party providers to programmatically register
    client credentials using OBIE/eIDAS certificates before consuming the Read/Write APIs.
  humanURL: https://developer.aibgb.co.uk/dynamic-client-registration-api-v3-2-gb/apis
  baseURL: ''
  tags:
  - Dynamic Client Registration
  - DCR
  - Security
  properties:
  - type: Documentation
    url: https://developer.aibgb.co.uk/dynamic-client-registration-api-v3-2-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-credit-cards-information-api
  name: AIB Group (UK) Credit Cards Information API
  description: Credit Cards Information API providing access to credit card account information under the Open Banking consent
    model.
  humanURL: https://developer.aibgb.co.uk/credit-cards-information-gb/apis
  baseURL: ''
  tags:
  - Credit Cards
  - Account Information
  properties:
  - type: Documentation
    url: https://developer.aibgb.co.uk/credit-cards-information-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-event-notification-subscription-api
  name: AIB Group (UK) Event Notification Subscription API
  description: OBIE Event Notification Subscription API v4.0, letting TPPs manage subscriptions to real-time event notifications
    (aggregated polling / callbacks) for the Read/Write APIs.
  humanURL: https://developer.aibgb.co.uk/event-notification-subscription-api-v4-0-gb/apis
  baseURL: ''
  tags:
  - Event Notifications
  - Read/Write
  tags_raw:
  - Event Notifications
  - Read Write
  properties:
  - type: Documentation
    url: https://developer.aibgb.co.uk/event-notification-subscription-api-v4-0-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-aggregated-event-polling-api
  name: AIB Group (UK) Aggregated Event Polling API
  description: OBIE Aggregated Event Polling API v4.0, allowing TPPs to poll for aggregated event notifications relating to
    Account Information and Payment consents.
  humanURL: https://developer.aibgb.co.uk/aggregated-event-polling-api-v4-0-gb/apis
  baseURL: ''
  tags:
  - Event Polling
  - Read/Write
  tags_raw:
  - Event Polling
  - Read Write
  properties:
  - type: Documentation
    url: https://developer.aibgb.co.uk/aggregated-event-polling-api-v4-0-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-fca-service-metrics-bca-api
  name: AIB Group (UK) FCA Service Metrics (BCA) API
  description: FCA Service Metrics API for Business Current Accounts (BCA), publishing the service availability and performance
    metrics AIB Group (UK) is required to report under FCA rules.
  humanURL: https://developer.aibgb.co.uk/fca-service-metrics-bca-gb/apis
  baseURL: ''
  tags:
  - FCA Service Metrics
  - Business Current Accounts
  - Compliance
  properties:
  - type: Documentation
    url: https://developer.aibgb.co.uk/fca-service-metrics-bca-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-atm-api
  name: AIB Group (UK) ATM API
  description: Endpoint for getting ATM data
  humanURL: https://developer.aibgb.co.uk/open-data-v2-2-gb/apis
  baseURL: https://openapi.aibgb.co.uk/open-banking/v2.2
  tags:
  - ATM
  properties:
  - type: OpenAPI
    url: openapi/aib-group-uk-atm-api-openapi.yml
  - type: Documentation
    url: https://developer.aibgb.co.uk/open-data-v2-2-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-bca-api
  name: AIB Group (UK) BCA API
  description: Endpoint for getting Business Current Account data
  humanURL: https://developer.aibgb.co.uk/open-data-v2-2-gb/apis
  baseURL: https://openapi.aibgb.co.uk/open-banking/v2.2
  tags:
  - BCA
  properties:
  - type: OpenAPI
    url: openapi/aib-group-uk-bca-api-openapi.yml
  - type: Documentation
    url: https://developer.aibgb.co.uk/open-data-v2-2-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-branch-api
  name: AIB Group (UK) Branch API
  description: Endpoint for getting Branch data
  humanURL: https://developer.aibgb.co.uk/open-data-v2-2-gb/apis
  baseURL: https://openapi.aibgb.co.uk/open-banking/v2.2
  tags:
  - Branch
  properties:
  - type: OpenAPI
    url: openapi/aib-group-uk-branch-api-openapi.yml
  - type: Documentation
    url: https://developer.aibgb.co.uk/open-data-v2-2-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-ccc-api
  name: AIB Group (UK) CCC API
  description: Endpoint for getting Commercial Credit Card data
  humanURL: https://developer.aibgb.co.uk/open-data-v2-2-gb/apis
  baseURL: https://openapi.aibgb.co.uk/open-banking/v2.2
  tags:
  - CCC
  properties:
  - type: OpenAPI
    url: openapi/aib-group-uk-ccc-api-openapi.yml
  - type: Documentation
    url: https://developer.aibgb.co.uk/open-data-v2-2-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-pca-api
  name: AIB Group (UK) PCA API
  description: Endpoint for getting Personal Current Account data
  humanURL: https://developer.aibgb.co.uk/open-data-v2-2-gb/apis
  baseURL: https://openapi.aibgb.co.uk/open-banking/v2.2
  tags:
  - PCA
  properties:
  - type: OpenAPI
    url: openapi/aib-group-uk-pca-api-openapi.yml
  - type: Documentation
    url: https://developer.aibgb.co.uk/open-data-v2-2-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
- aid: aib-group-uk:aib-group-uk-sme-api
  name: AIB Group (UK) SME API
  description: Endpoint for getting Unsecured SME Loan data
  humanURL: https://developer.aibgb.co.uk/open-data-v2-2-gb/apis
  baseURL: https://openapi.aibgb.co.uk/open-banking/v2.2
  tags:
  - SME
  properties:
  - type: OpenAPI
    url: openapi/aib-group-uk-sme-api-openapi.yml
  - type: Documentation
    url: https://developer.aibgb.co.uk/open-data-v2-2-gb/apis
  - type: APIReference
    url: https://developer.aibgb.co.uk/apis
common:
- type: CapabilityMap
  url: capabilities/aib-group-uk-capability-edges.yml
  name: AIB Group (UK) Business Capability Map
- type: AgenticAccess
  url: agentic-access/aib-group-uk-agentic-access.yml
- type: DomainSecurity
  url: security/aib-group-uk-domain-security.yml
- type: Authentication
  url: authentication/aib-group-uk-authentication.yml
- type: Conventions
  url: conventions/aib-group-uk-conventions.yml
- type: Idempotency
  url: conventions/aib-group-uk-conventions.yml
- type: Conformance
  url: conformance/aib-group-uk-conformance.yml
- type: ErrorCatalog
  url: errors/aib-group-uk-problem-types.yml
- type: Lifecycle
  url: lifecycle/aib-group-uk-lifecycle.yml
- type: DataModel
  url: data-model/aib-group-uk-data-model.yml
- type: LLMsTxt
  url: llms/aib-group-uk-llms.txt
- type: Overlay
  url: overlays/aib-group-uk-open-data-overlay.yaml
- type: AgentSkill
  url: skills/aib-group-uk-open-data-discovery.md
- type: GettingStarted
  url: https://developer.aibgb.co.uk/getting-started-gb
- type: SignUp
  url: https://developer.aibgb.co.uk/user/register
- type: Blog
  url: https://developer.aibgb.co.uk/blog
- type: Website
  url: https://www.aibgb.co.uk/
- type: DeveloperPortal
  url: https://developer.aibgb.co.uk/
- type: Documentation
  url: https://developer.aibgb.co.uk/apis
- type: Support
  url: https://developer.aibgb.co.uk/faq-page
- type: TermsOfService
  url: https://developer.aibgb.co.uk/site-legal-notice-gb
- type: PrivacyPolicy
  url: https://developer.aibgb.co.uk/developer-portal-privacy-statement-GB
- type: Compliance
  url: https://developer.aibgb.co.uk/fca-service-metrics-bca-gb/apis
- type: LinkedIn
  url: https://www.linkedin.com/company/aib
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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