Aldermore Bank website screenshot

Aldermore Bank

Aldermore Bank plc is a UK specialist bank founded in 2009 and headquartered in Reading, offering savings accounts and specialist lending across residential and buy-to-let mortgages, commercial and property finance, asset finance, invoice finance, and motor finance (through sister company MotoNovo Finance). Aldermore Group is wholly owned by South Africa's FirstRand Group, which acquired it in 2018 and, as of 2026, has begun a process to sell the UK business and exit the market. Aldermore Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA (Financial Services Register number 204503). It is a branchless, digitally-delivered specialist lender rather than a full-service current-account bank, and it is NOT one of the nine CMA-mandated banks (CMA9). Because it does not provide personal or business current accounts, its UK Open Banking (OBIE / PSD2) payment-account footprint is minimal, and no public Aldermore developer portal, Open Data endpoint, or bank-proprietary API surface could be confirmed at bootstrap; the OBIE Open Data and Read/Write API families below are represented as the shared UK Open Banking standard, unverified for this bank.

Aldermore Bank publishes 4 APIs on the APIs.io network, including Aldermore Open Data API (OBIE Standard), Aldermore Account & Transaction Information API (OBIE Read/Write Standard), Aldermore Payment Initiation API (OBIE Read/Write Standard), and 1 more. Tagged areas include Financial Services, Banking, Savings, Specialist Lending, and Open Banking.

Aldermore Bank’s developer surface includes authentication, support, legal docs, and 25 more developer resources.

🌐 Visit website 📡 Source on GitHub
43.8/100 thin ▬ flat Agent 81/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
4 APIs 1 MCP Servers
Financial ServicesBankingSavingsSpecialist LendingOpen BankingPSD2OBIEUnited KingdomPaymentsAccount Information

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 43.8/100 · thin
Contract Quality 13.5 / 25
Developer Ergonomics 6.1 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 2.1 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 81/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 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 4 / 4
Consent & Bot Identity 3 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/aldermore: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 4

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

Aldermore Open Data API (OBIE Standard)

The UK Open Banking Open Data API standard (public, unauthenticated reference data such as products, ATMs, and branches). Represented here as the shared OBIE Open Data standard ...

Aldermore Account & Transaction Information API (OBIE Read/Write Standard)

The UK Open Banking Read/Write Account and Transaction Information (AIS) API standard, FAPI-secured with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. Repres...

Aldermore Payment Initiation API (OBIE Read/Write Standard)

The UK Open Banking Read/Write Payment Initiation (PIS) API standard, FAPI-secured with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. Represented here as the...

Aldermore Confirmation of Funds API (OBIE Read/Write Standard)

The UK Open Banking Read/Write Confirmation of Funds (CBPII) API standard, FAPI-secured with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. Represented here a...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

aldermore-mcp.yml

MCP SERVER

Security Posture 3

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

Aldermore Authentication

oauth2 · 2 schemes

SECURITY

Aldermore Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Aldermore Vulnerability Disclosure

Hackerone · security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Aldermore Scopes

3 scopes · clientCredentials/authorizationCode

3 scopes

SCOPES

Agentic Access 1

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

Aldermore Agentic Access

86 operations · 20 acting

86 operations · 20 acting

AGENTIC

Resources

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 WellKnown
WellKnown
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

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

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 6

Authentication, authorization, and security posture

OAuthScopes
OAuthScopes
 Authentication
Authentication
 DomainSecurity
DomainSecurity
 VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security
 SecurityTxt
SecurityTxt

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy
 Legal
Legal

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Other 4

Properties that don't map to a standard resource type

Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: aldermore
url: https://raw.githubusercontent.com/api-evangelist/aldermore/refs/heads/main/apis.yml
name: Aldermore Bank
kind: company
description: Aldermore Bank plc is a UK specialist bank founded in 2009 and headquartered in Reading, offering savings accounts
  and specialist lending across residential and buy-to-let mortgages, commercial and property finance, asset finance, invoice
  finance, and motor finance (through sister company MotoNovo Finance). Aldermore Group is wholly owned by South Africa's
  FirstRand Group, which acquired it in 2018 and, as of 2026, has begun a process to sell the UK business and exit the market.
  Aldermore Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
  and the PRA (Financial Services Register number 204503). It is a branchless, digitally-delivered specialist lender rather
  than a full-service current-account bank, and it is NOT one of the nine CMA-mandated banks (CMA9). Because it does not provide
  personal or business current accounts, its UK Open Banking (OBIE / PSD2) payment-account footprint is minimal, and no public
  Aldermore developer portal, Open Data endpoint, or bank-proprietary API surface could be confirmed at bootstrap; the OBIE
  Open Data and Read/Write API families below are represented as the shared UK Open Banking standard, unverified for this
  bank.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Savings
- Specialist Lending
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: aldermore:aldermore-open-data-api
  name: Aldermore Open Data API (OBIE Standard)
  description: The UK Open Banking Open Data API standard (public, unauthenticated reference data such as products, ATMs,
    and branches). Represented here as the shared OBIE Open Data standard - no Aldermore-published Open Data endpoint was
    confirmed at bootstrap, and as a branchless specialist lender Aldermore has minimal Open Data scope.
  humanURL: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  baseURL: ''
  tags:
  - Open Data
  - Reference Data
  properties:
  - type: OpenAPI
    url: openapi/aldermore-obie-open-data-openapi.json
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
- aid: aldermore:aldermore-account-information-api
  name: Aldermore Account & Transaction Information API (OBIE Read/Write Standard)
  description: The UK Open Banking Read/Write Account and Transaction Information (AIS) API standard, FAPI-secured with OAuth2/OIDC,
    mutual-TLS, and PSD2 strong customer authentication. Represented here as the shared OBIE standard - no Aldermore-published
    AIS endpoint or developer onboarding was confirmed at bootstrap.
  humanURL: https://openbankinguk.github.io/read-write-api-site3/
  baseURL: ''
  tags:
  - Account Information
  - AIS
  properties:
  - type: OpenAPI
    url: openapi/aldermore-obie-account-info-openapi.yaml
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: aldermore:aldermore-payment-initiation-api
  name: Aldermore Payment Initiation API (OBIE Read/Write Standard)
  description: The UK Open Banking Read/Write Payment Initiation (PIS) API standard, FAPI-secured with OAuth2/OIDC, mutual-TLS,
    and PSD2 strong customer authentication. Represented here as the shared OBIE standard - no Aldermore-published PIS endpoint
    or developer onboarding was confirmed at bootstrap.
  humanURL: https://openbankinguk.github.io/read-write-api-site3/
  baseURL: ''
  tags:
  - Payment Initiation
  - PIS
  properties:
  - type: OpenAPI
    url: openapi/aldermore-obie-payment-initiation-openapi.yaml
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: aldermore:aldermore-confirmation-of-funds-api
  name: Aldermore Confirmation of Funds API (OBIE Read/Write Standard)
  description: The UK Open Banking Read/Write Confirmation of Funds (CBPII) API standard, FAPI-secured with OAuth2/OIDC, mutual-TLS,
    and PSD2 strong customer authentication. Represented here as the shared OBIE standard - no Aldermore-published CBPII endpoint
    or developer onboarding was confirmed at bootstrap.
  humanURL: https://openbankinguk.github.io/read-write-api-site3/
  baseURL: ''
  tags:
  - Confirmation of Funds
  - CBPII
  properties:
  - type: OpenAPI
    url: openapi/aldermore-obie-confirmation-of-funds-openapi.yaml
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
common:
- type: AgenticAccess
  url: agentic-access/aldermore-agentic-access.yml
- type: OAuthScopes
  url: scopes/aldermore-scopes.yml
- type: Authentication
  url: authentication/aldermore-authentication.yml
- type: DomainSecurity
  url: security/aldermore-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/aldermore-vulnerability-disclosure.yml
- type: Security
  url: https://www.aldermore.co.uk/.well-known/security.txt
- type: WellKnown
  url: well-known/aldermore-well-known.yml
- type: SecurityTxt
  url: well-known/aldermore-security.txt
- type: Conventions
  url: conventions/aldermore-conventions.yml
- type: Idempotency
  url: conventions/aldermore-conventions.yml
- type: ErrorCatalog
  url: errors/aldermore-problem-types.yml
- type: Conformance
  url: conformance/aldermore-conformance.yml
- type: Lifecycle
  url: lifecycle/aldermore-lifecycle.yml
- type: DataModel
  url: data-model/aldermore-data-model.yml
- type: MCPServer
  url: mcp/aldermore-mcp.yml
- type: LLMsTxt
  url: llms/aldermore-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  url: overlays/aldermore-account-info-overlay.yaml
- type: Overlay
  url: overlays/aldermore-payment-initiation-overlay.yaml
- type: Overlay
  url: overlays/aldermore-confirmation-of-funds-overlay.yaml
- type: Overlay
  url: overlays/aldermore-open-data-overlay.yaml
- type: Website
  url: https://www.aldermore.co.uk/
- type: GitHubOrganization
  url: https://github.com/aldermore
- type: LinkedIn
  url: https://www.linkedin.com/company/aldermorebank
- type: Support
  url: https://www.aldermore.co.uk/contact-us/
- type: TermsOfService
  url: https://www.aldermore.co.uk/legal/terms-and-conditions/
- type: PrivacyPolicy
  url: https://www.aldermore.co.uk/legal/privacy-policy/
- type: Legal
  url: https://www.aldermore.co.uk/legal/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com