# Aldermore Bank

**Canonical:** https://apis.io/providers/aldermore/  
**Website:** https://www.aldermore.co.uk/  
**APIs profiled:** 4

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.

## Kin Score — 42.3 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 41.2).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 51.2 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 18.5 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 88.6 (matched via tags).

## Agent readiness — 42.9 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | verified |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (4)

- **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)

- **Aldermore Bank MCP Server**

## Agentic access (1)

- **Aldermore Agentic Access** — 86 operations · 20 acting

## Security (3)

- **Aldermore Authentication** — oauth2 · 2 schemes
- **Aldermore Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Aldermore Vulnerability Disclosure** — Hackerone · security.txt · contact published

## Tags

Financial-Services, Banking, Savings, Specialist Lending, Open Banking, PSD2, OBIE, United Kingdom, Payments, Account Information

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/aldermore/). Scores are computed from the provider's own public artifacts under a published rubric.