# Allica Bank

**Canonical:** https://apis.io/providers/allica-bank/  
**Website:** https://www.allica.bank/  
**APIs profiled:** 4

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.

## Kin Score — 49.0 / 100 (developing)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 49.0).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 53.1 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 58.9 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 78.5 (matched via tags).

## Agent readiness — 52.8 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| 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)

- **Allica Bank Account and Transaction Information API** — 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, trans...
- **Allica Bank Payment Initiation API** — 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 d...
- **Allica Bank Confirmation of Funds API** — Allica Bank's UK Open Banking Confirmation of Funds (CBPII) capability, exposed through the OBIE Read/Write Standard and the `fundsconfirmations` OAuth scope, allowing authorise...
- **Allica Bank Dynamic Client Registration API** — 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 issue...

## MCP servers (1)

- **Allica Bank MCP Server**

## Agentic access (1)

- **Allica Bank Agentic Access** — 37 operations · 11 acting

## Security (3)

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

## Tags

Financial-Services, Banking, Open Banking, PSD2, OBIE, FAPI, United Kingdom, Payments, Account Information, SME, Business Banking, Fintech

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