# Bank of Ireland (UK)

**Canonical:** https://apis.io/providers/bank-of-ireland-uk/  
**Website:** https://www.bankofirelanduk.com/  
**APIs profiled:** 5

Bank of Ireland (UK) plc is the UK banking arm of Bank of Ireland Group plc, Ireland's oldest bank, founded in 1783 and headquartered in Dublin with a listing on Euronext Dublin and the London Stock Exchange. In the United Kingdom it is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA, and as one of the nine CMA-mandated banks (the CMA9) it participates fully in the UK Open Banking programme under PSD2. Bank of Ireland (UK) and Bank of Ireland (ROI) are separate legal entities on the Open Banking Directory and TPPs must onboard to each separately. The bank publishes a public, unauthenticated Open Data API (ATMs, branches, personal and business current accounts, unsecured SME loans and commercial credit cards) conformant to the OBIE Open Data Standard, alongside the OBIE Read/Write API family - Account & Transaction Information (AIS), Payment Initiation (PIS) and Confirmation of Funds (CBPII) - secured with FAPI-grade OAuth2/OIDC, PSD2 strong customer authentication and mutual-TLS client authentication using OBIE/eIDAS certificates, onboarded through the Bank of Ireland Developer Hub with a sandbox for testing.

## Kin Score — 45.7 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 45.7).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 51.2 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 28.0 |
| Commercial Clarity | 18.4 |
| Access Clarity | 18.4 |

Regulatory layer — **Banking & Open Finance**: 82.3 (matched via tags).

## Agent readiness — 40.4 (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 | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (5)

- **Bank of Ireland (UK) Open Data API** — Public, unauthenticated OBIE Open Data API for Bank of Ireland (UK) plc, serving reference data for ATMs, branches, personal current accounts, business current accounts, unsecur...
- **Bank of Ireland (UK) Account & Transaction Information API** — OBIE Read/Write Account & Transaction Information (AIS) API for Bank of Ireland (UK) plc, allowing authorised AISPs to access account, balance, transaction, beneficiary, standin...
- **Bank of Ireland (UK) Payment Initiation API** — OBIE Read/Write Payment Initiation (PIS) API for Bank of Ireland (UK) plc, enabling authorised PISPs to initiate domestic and international single, scheduled, standing-order and...
- **Bank of Ireland (UK) Confirmation of Funds API** — OBIE Read/Write Confirmation of Funds (CBPII) API for Bank of Ireland (UK) plc, allowing authorised card-based payment instrument issuers to confirm the availability of funds on...
- **Bank of Ireland (UK) Dynamic Client Registration API** — OBIE Dynamic Client Registration (DCR) API documented on the Bank of Ireland Developer Hub for onboarding third-party provider applications using OBIE/eIDAS certificates, ahead ...

## MCP servers (1)

- **Bank of Ireland (UK) MCP Server**

## Agentic access (1)

- **Bank Of Ireland Uk Agentic Access** — 86 operations · 20 acting

## Security (2)

- **Bank Of Ireland Uk Authentication** — oauth2/openIdConnect/mutualTLS · 4 schemes
- **Bank Of Ireland Uk Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Financial-Services, Banking, Open Banking, PSD2, OBIE, CMA9, United Kingdom, Payments, Account Information, Open Data, FAPI, Fintech

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