Allica Bank

Allica Bank Limited is a UK financial-technology bank built specifically for established small and medium-sized businesses, offering business current accounts, savings, commercial mortgages, asset finance, and invoice finance. It is a privately owned, venture-backed challenger bank (not a mutual or building society), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and PRA (FRN 821851), registered in England and Wales (company number 07706156). As an FCA-authorised ASPSP it participates in UK Open Banking under the Open Banking Implementation Entity (OBIE) Read/Write Standard and PSD2 - it is not one of the nine CMA9 mandated banks, but publishes a public developer portal exposing Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (fundsconfirmations) APIs for its Business Rewards accounts. Access is secured with FAPI-grade OAuth2/OIDC, PSD2 strong customer authentication, mutual-TLS client authentication, and dynamic client registration using Open Banking Directory / eIDAS certificates and Software Statement Assertions.

Allica Bank publishes 2 APIs on the APIs.io network: Account and Transaction Information API and Payment Initiation API. Tagged areas include Financial Services, Banking, Open Banking, PSD2, and OBIE.

Allica Bank’s developer surface includes authentication, sandbox, getting-started guide, documentation, engineering blog, support, and 24 more developer resources.

🌐 Visit website 📡 Source on GitHub

46.3/100 developing ▬ flat Agent 81/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

4 APIs 1 MCP Servers

Financial ServicesBankingOpen BankingPSD2OBIEFAPIUnited KingdomPaymentsAccount InformationSMEBusiness BankingFintech

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 46.3/100 · developing

Contract Quality 9.6 / 25

Developer Ergonomics 13.5 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 1.4 / 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/allica-bank: 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.

MCP Servers 1

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

Scopes 1

OAuth scopes governing access to this provider's APIs.

Allica Bank Scopes

17 scopes · clientCredentials/authorizationCode

17 scopes

SCOPES

Get Started 3

Portal, sign-up, and the first successful call

Sandbox

Sandbox

GettingStarted

GettingStarted

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

WellKnown

MCPServer

LLMsTxt

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Access & Security 7

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

OAuthScopes

Authentication

SecurityTxt

Security

Authentication

Scroll for all 7

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

Website

Website

LinkedIn

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Overlay

Overlay

Overlay

Overlay

Source (apis.yml)

aid: allica-bank
url: https://raw.githubusercontent.com/api-evangelist/allica-bank/refs/heads/main/apis.yml
name: Allica Bank
kind: company
description: Allica Bank Limited is a UK financial-technology bank built specifically for established small and medium-sized
  businesses, offering business current accounts, savings, commercial mortgages, asset finance, and invoice finance. It is
  a privately owned, venture-backed challenger bank (not a mutual or building society), authorised by the Prudential Regulation
  Authority and regulated by the Financial Conduct Authority and PRA (FRN 821851), registered in England and Wales (company
  number 07706156). As an FCA-authorised ASPSP it participates in UK Open Banking under the Open Banking Implementation Entity
  (OBIE) Read/Write Standard and PSD2 - it is not one of the nine CMA9 mandated banks, but publishes a public developer portal
  exposing Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (fundsconfirmations)
  APIs for its Business Rewards accounts. Access is secured with FAPI-grade OAuth2/OIDC, PSD2 strong customer authentication,
  mutual-TLS client authentication, and dynamic client registration using Open Banking Directory / eIDAS certificates and
  Software Statement Assertions.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- FAPI
- United Kingdom
- Payments
- Account Information
- SME
- Business Banking
- Fintech
created: '2026-07-23'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: allica-bank:allica-bank-account-information-api
  name: Allica Bank Account and Transaction Information API
  description: Allica Bank's UK Open Banking Account Information Service (AIS) API, conformant to the OBIE Read/Write Standard
    v3.1, exposing account access consents, accounts, balances, transactions, beneficiaries, direct debits, standing orders,
    scheduled payments, parties, offers, and product data for Allica Business Rewards accounts. FAPI-secured (OAuth2/OIDC,
    mTLS, PSD2 SCA); requires OBIE Directory onboarding and eIDAS/OB certificates.
  humanURL: https://developer.api.ob.allica.bank/
  baseURL: https://rs1.api.ob.allica.bank/open-banking/v3.1/aisp
  tags:
  - Account Information
  - AISP
  - Open Banking
  - OBIE
  properties:
  - type: OpenAPI
    url: openapi/allica-bank-account-information-openapi.yaml
  - type: Documentation
    url: https://developer.api.ob.allica.bank/perry/developer/welcome
  - type: APIReference
    url: https://developer.api.ob.allica.bank/perry/developer/documentation?resource=ukhub-allica-portal&document=swagger/account-info-openapi.yaml
- aid: allica-bank:allica-bank-payment-initiation-api
  name: Allica Bank Payment Initiation API
  description: Allica Bank's UK Open Banking Payment Initiation Service (PIS) API, conformant to the OBIE Read/Write Standard
    v4.0, exposing domestic payment, domestic scheduled payment, and domestic standing order consents and payments, plus payment-details
    and funds-confirmation resources for Allica Business Rewards accounts. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA); requires
    OBIE Directory onboarding and eIDAS/OB certificates.
  humanURL: https://developer.api.ob.allica.bank/
  baseURL: https://rs1.api.ob.allica.bank/open-banking/v4.0/pisp
  tags:
  - Payment Initiation
  - PISP
  - Open Banking
  - OBIE
  properties:
  - type: OpenAPI
    url: openapi/allica-bank-payment-initiation-openapi.yaml
  - type: Documentation
    url: https://developer.api.ob.allica.bank/perry/developer/welcome
  - type: APIReference
    url: https://developer.api.ob.allica.bank/perry/developer/documentation?resource=ukhub-allica-portal&document=swagger/payment-initiation-openapi.yaml
- aid: allica-bank:allica-bank-confirmation-of-funds-api
  name: Allica Bank Confirmation of Funds API
  description: Allica Bank's UK Open Banking Confirmation of Funds (CBPII) capability, exposed through the OBIE Read/Write
    Standard and the `fundsconfirmations` OAuth scope, allowing authorised Card-Based Payment Instrument Issuers and payment
    flows to confirm the availability of funds on Allica Business Rewards accounts. Documented on the Allica developer portal;
    FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA) and not independently verified without OBIE onboarding.
  humanURL: https://developer.api.ob.allica.bank/
  baseURL: https://rs1.api.ob.allica.bank/open-banking/v3.1/cbpii
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  - OBIE
  properties:
  - type: Documentation
    url: https://developer.api.ob.allica.bank/perry/developer/welcome
  - type: APIReference
    url: https://developer.api.ob.allica.bank/perry/developer/documentation?resource=ukhub-allica-portal&document=swagger/payment-initiation-openapi.yaml
- aid: allica-bank:allica-bank-dynamic-client-registration-api
  name: Allica Bank Dynamic Client Registration API
  description: OBIE Dynamic Client Registration (DCR) v3.2 endpoint used by regulated Third Party Providers to register OAuth
    clients with Allica Bank using Software Statement Assertions issued by the Open Banking Directory. Confirmed as the registration_endpoint
    in Allica's production OIDC discovery document.
  humanURL: https://developer.api.ob.allica.bank/
  baseURL: https://rs1.api.ob.allica.bank/dynamic-client-registration/v3.2/register
  tags:
  - Dynamic Client Registration
  - DCR
  - Onboarding
  - OBIE
  properties:
  - type: Documentation
    url: https://developer.api.ob.allica.bank/perry/developer/welcome
  - type: OpenIDConfiguration
    url: https://auth1.api.ob.allica.bank/.well-known/openid-configuration
common:
- type: AgenticAccess
  url: agentic-access/allica-bank-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/allica-bank-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/allica-bank-domain-security.yml
- type: OAuthScopes
  url: scopes/allica-bank-scopes.yml
- type: Authentication
  url: authentication/allica-bank-authentication.yml
- type: WellKnown
  url: well-known/allica-bank-well-known.yml
- type: SecurityTxt
  url: well-known/allica-bank-security.txt
- type: Security
  url: https://www.allica.bank/responsible-disclosure
- type: Conventions
  url: conventions/allica-bank-conventions.yml
- type: Idempotency
  url: conventions/allica-bank-conventions.yml
- type: ErrorCatalog
  url: errors/allica-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/allica-bank-lifecycle.yml
- type: Conformance
  url: conformance/allica-bank-conformance.yml
- type: DataModel
  url: data-model/allica-bank-data-model.yml
- type: MCPServer
  url: mcp/allica-bank-mcp.yml
- type: LLMsTxt
  url: llms/allica-bank-llms.txt
- type: Sandbox
  url: sandbox/allica-bank-sandbox.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  url: overlays/allica-bank-account-information-overlay.yaml
- type: Overlay
  url: overlays/allica-bank-payment-initiation-overlay.yaml
- type: GettingStarted
  url: https://developer.api.ob.allica.bank/perry/developer/welcome
- type: Website
  url: https://www.allica.bank/
- type: DeveloperPortal
  url: https://developer.api.ob.allica.bank/
- type: Documentation
  url: https://developer.api.ob.allica.bank/perry/developer/welcome
- type: Authentication
  url: https://auth1.api.ob.allica.bank/.well-known/openid-configuration
- type: LinkedIn
  url: https://uk.linkedin.com/company/allicabank
- type: Blog
  url: https://www.allica.bank/blog
- type: Support
  url: https://help.allica.bank/
- type: TermsOfService
  url: https://www.allica.bank/website-terms-of-use
- type: PrivacyPolicy
  url: https://www.allica.bank/privacy-policy
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Allica Bank

Kin Score

APIs 4

Allica Bank Account and Transaction Information API

Allica Bank Payment Initiation API

Allica Bank Confirmation of Funds API

Allica Bank Dynamic Client Registration API

MCP Servers 1

allica-bank-mcp.yml

Security Posture 3

Allica Bank Authentication

Allica Bank Domain Security

Allica Bank Vulnerability Disclosure