Bank of Scotland

Bank of Scotland is a UK high-street retail and commercial bank, founded in 1695 and headquartered in Edinburgh, and is one of the oldest banks in the United Kingdom. It is a wholly owned subsidiary brand of Lloyds Banking Group (alongside Lloyds Bank and Halifax), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. As one of the nine mandated CMA9 account-providers, Bank of Scotland participates in the UK Open Banking regime under PSD2, publishing PUBLIC, unauthenticated Open Data reference APIs (ATMs, branches, personal and business current accounts, unsecured SME loans, and commercial credit cards) conformant to the Open Banking Implementation Entity (OBIE) Open Data Standard, plus the OBIE Read/Write API family - Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) - secured with FAPI-grade OAuth2/OIDC, mutual-TLS client authentication, and PSD2 strong customer authentication, accessed through the Lloyds Banking Group developer platform after eIDAS/OBIE certificate onboarding.

Bank of Scotland publishes 34 API contracts indexed on the APIs.io network, including Account Access Consents API, Accounts API, ATM API, and 31 more. Tagged areas include Financial Services, Banking, Open Banking, PSD2, and OBIE.

The Bank of Scotland catalog on APIs.io includes 1 Spectral governance ruleset.

Bank of Scotland’s developer surface includes engineering blog, authentication, sandbox, documentation, and 24 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

32.6/100 thin ▬ flat Agent 34/100 agent ready Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

4 published contracts 3 Agent Skills

Financial Services Banking Open Banking PSD2 OBIE CMA9 United Kingdom Payments Account Information Open Data

What this lets a business do 4

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

BeneficiariesDirect DebitsDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments

POST /domestic-payment-consents POST /domestic-payments POST /domestic-scheduled-payments POST /international-payments

Banking Product Management

BC-1310

BCACCCProducts

GET /products GET /business-current-accounts GET /commercial-credit-cards

Banking Customer Management

BC-1300

BranchParties

GET /branches GET /accounts/{AccountId}/party

Deposits & Savings Management

BC-1330

Balances

GET /accounts/{AccountId}/balances

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 32.6/100 · thin

Contract Quality 8.8 / 19

Developer Ergonomics 7.4 / 15

Access Clarity 0.0 / 15

Operational Transparency 0.0 / 10

Contract Governance 1.6 / 9

Discoverability 5.9 / 8

Regulatory Posture 4.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 34/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 0.0 — up to +20.0 composite points
Contract Quality scores 46.9 — up to +13.3 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/bank-of-scotland/apis.yml: open an issue on github.com/api-evangelist/bank-of-scotland to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	36.4 (thin)	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	regulated	36.4 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Open Banking Standard

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 34

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

Bank of Scotland Account Access Consents API

The Account Access Consents API from Bank of Scotland — 2 operation(s) for account access consents.

Bank of Scotland Accounts API

The Accounts API from Bank of Scotland — 2 operation(s) for accounts.

Bank of Scotland ATM API

Endpoint for getting ATM data

Bank of Scotland Balances API

The Balances API from Bank of Scotland — 2 operation(s) for balances.

Bank of Scotland BCA API

Endpoint for getting Business Current Account data

Bank of Scotland Beneficiaries API

The Beneficiaries API from Bank of Scotland — 2 operation(s) for beneficiaries.

Bank of Scotland Branch API

Endpoint for getting Branch data

Bank of Scotland CCC API

Endpoint for getting Commercial Credit Card data

Bank of Scotland Direct Debits API

The Direct Debits API from Bank of Scotland — 2 operation(s) for direct debits.

Bank of Scotland Domestic Payment Consents API

The Domestic Payment Consents API from Bank of Scotland — 3 operation(s) for domestic payment consents.

Bank of Scotland Domestic Payments API

The Domestic Payments API from Bank of Scotland — 3 operation(s) for domestic payments.

Bank of Scotland Domestic Scheduled Payment Consents API

The Domestic Scheduled Payment Consents API from Bank of Scotland — 2 operation(s) for domestic scheduled payment consents.

Bank of Scotland Domestic Scheduled Payments API

The Domestic Scheduled Payments API from Bank of Scotland — 3 operation(s) for domestic scheduled payments.

Bank of Scotland Domestic Standing Order Consents API

The Domestic Standing Order Consents API from Bank of Scotland — 2 operation(s) for domestic standing order consents.

Bank of Scotland Domestic Standing Orders API

The Domestic Standing Orders API from Bank of Scotland — 3 operation(s) for domestic standing orders.

Bank of Scotland File Payment Consents API

The File Payment Consents API from Bank of Scotland — 3 operation(s) for file payment consents.

Bank of Scotland File Payments API

The File Payments API from Bank of Scotland — 4 operation(s) for file payments.

Bank of Scotland Funds Confirmation Consents API

The Funds Confirmation Consents API from Bank of Scotland — 2 operation(s) for funds confirmation consents.

Bank of Scotland Funds Confirmations API

The Funds Confirmations API from Bank of Scotland — 1 operation(s) for funds confirmations.

Bank of Scotland International Payment Consents API

The International Payment Consents API from Bank of Scotland — 3 operation(s) for international payment consents.

Bank of Scotland International Payments API

The International Payments API from Bank of Scotland — 3 operation(s) for international payments.

Bank of Scotland International Scheduled Payments API

The International Scheduled Payments API from Bank of Scotland — 3 operation(s) for international scheduled payments.

Bank of Scotland International Scheduled Payments Consents API

The International Scheduled Payments Consents API from Bank of Scotland — 3 operation(s) for international scheduled payments consents.

Bank of Scotland International Standing Orders API

The International Standing Orders API from Bank of Scotland — 3 operation(s) for international standing orders.

Bank of Scotland International Standing Orders Consents API

The International Standing Orders Consents API from Bank of Scotland — 2 operation(s) for international standing orders consents.

Bank of Scotland Offers API

The Offers API from Bank of Scotland — 2 operation(s) for offers.

Bank of Scotland Parties API

The Parties API from Bank of Scotland — 3 operation(s) for parties.

Bank of Scotland PCA API

Endpoint for getting Personal Current Account data

Bank of Scotland Products API

The Products API from Bank of Scotland — 2 operation(s) for products.

Bank of Scotland Scheduled Payments API

The Scheduled Payments API from Bank of Scotland — 2 operation(s) for scheduled payments.

Bank of Scotland SME API

Endpoint for getting Unsecured SME Loan data

Bank of Scotland Standing Orders API

The Standing Orders API from Bank of Scotland — 2 operation(s) for standing orders.

Bank of Scotland Statements API

The Statements API from Bank of Scotland — 5 operation(s) for statements.

Bank of Scotland Transactions API

The Transactions API from Bank of Scotland — 2 operation(s) for transactions.

Scroll for all 34

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Open Data API

OPEN COLLECTION

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Find Bank of Scotland branches and ATMs

AGENT SKILL

Initiate a Bank of Scotland domestic payment (PIS)

AGENT SKILL

Read Bank of Scotland account transactions (AIS)

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Bank of Scotland API Rules

69 rules · 54 errors 7 warnings 8 info

SPECTRAL

OpenAPI Overlays 4

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Bank Of Scotland Account Info Overlay

1 action · update · obie-account-info-openapi.yaml

DERIVED

Bank Of Scotland Confirmation Funds Overlay

1 action · update · obie-confirmation-funds-openapi.yaml

DERIVED

Bank Of Scotland Opendata Overlay

1 action · update · obie-opendata-swagger.json

DERIVED

Bank Of Scotland Payment Initiation Overlay

1 action · update · obie-payment-initiation-openapi.yaml

DERIVED

Security Posture 2

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

Bank Of Scotland Authentication

oauth2 · 2 schemes

SECURITY

Bank Of Scotland Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Bank Of Scotland Scopes

3 scopes · clientCredentials/authorizationCode

3 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

Sandbox

Sandbox

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 6

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

AgentSkill

AgentSkill

AgentSkill

LLMsTxt

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Conformance

Lifecycle

DataModel

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Blog

Blog

Website

Website

LinkedIn

Other 5

Properties that don't map to a standard resource type

CapabilityMap

Overlay

Overlay

Overlay

Overlay

Source (apis.yml)

aid: bank-of-scotland
url: https://raw.githubusercontent.com/api-evangelist/bank-of-scotland/refs/heads/main/apis.yml
name: Bank of Scotland
kind: company
description: Bank of Scotland is a UK high-street retail and commercial bank, founded in 1695 and headquartered in Edinburgh,
  and is one of the oldest banks in the United Kingdom. It is a wholly owned subsidiary brand of Lloyds Banking Group (alongside
  Lloyds Bank and Halifax), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
  and the PRA. As one of the nine mandated CMA9 account-providers, Bank of Scotland participates in the UK Open Banking regime
  under PSD2, publishing PUBLIC, unauthenticated Open Data reference APIs (ATMs, branches, personal and business current accounts,
  unsecured SME loans, and commercial credit cards) conformant to the Open Banking Implementation Entity (OBIE) Open Data
  Standard, plus the OBIE Read/Write API family - Account and Transaction Information (AIS), Payment Initiation (PIS), and
  Confirmation of Funds (CBPII) - secured with FAPI-grade OAuth2/OIDC, mutual-TLS client authentication, and PSD2 strong customer
  authentication, accessed through the Lloyds Banking Group developer platform after eIDAS/OBIE certificate onboarding.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - scopes
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- CMA9
- United Kingdom
- Payments
- Account Information
- Open Data
tags_raw:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- CMA9
- United Kingdom
- Payments
- Account Information
- Open Data
- Financial-Services
created: '2026-07-23'
modified: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: bank-of-scotland:bank-of-scotland-account-access-consents-api
  name: Bank of Scotland Account Access Consents API
  description: The Account Access Consents API from Bank of Scotland — 2 operation(s) for account access consents.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Account Access Consents
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-account-access-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-accounts-api
  name: Bank of Scotland Accounts API
  description: The Accounts API from Bank of Scotland — 2 operation(s) for accounts.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-atm-api
  name: Bank of Scotland ATM API
  description: Endpoint for getting ATM data
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - ATM
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-atm-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-balances-api
  name: Bank of Scotland Balances API
  description: The Balances API from Bank of Scotland — 2 operation(s) for balances.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-balances-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-bca-api
  name: Bank of Scotland BCA API
  description: Endpoint for getting Business Current Account data
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - BCA
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-bca-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-beneficiaries-api
  name: Bank of Scotland Beneficiaries API
  description: The Beneficiaries API from Bank of Scotland — 2 operation(s) for beneficiaries.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-beneficiaries-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-branch-api
  name: Bank of Scotland Branch API
  description: Endpoint for getting Branch data
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Branch
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-branch-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-ccc-api
  name: Bank of Scotland CCC API
  description: Endpoint for getting Commercial Credit Card data
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - CCC
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-ccc-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-direct-debits-api
  name: Bank of Scotland Direct Debits API
  description: The Direct Debits API from Bank of Scotland — 2 operation(s) for direct debits.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-domestic-payment-consents-api
  name: Bank of Scotland Domestic Payment Consents API
  description: The Domestic Payment Consents API from Bank of Scotland — 3 operation(s) for domestic payment consents.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Domestic Payment Consents
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-domestic-payment-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-domestic-payments-api
  name: Bank of Scotland Domestic Payments API
  description: The Domestic Payments API from Bank of Scotland — 3 operation(s) for domestic payments.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Domestic Payments
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-domestic-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-domestic-scheduled-payment-consents-api
  name: Bank of Scotland Domestic Scheduled Payment Consents API
  description: The Domestic Scheduled Payment Consents API from Bank of Scotland — 2 operation(s) for domestic scheduled payment
    consents.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Domestic Scheduled Payment Consents
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-domestic-scheduled-payment-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-domestic-scheduled-payments-api
  name: Bank of Scotland Domestic Scheduled Payments API
  description: The Domestic Scheduled Payments API from Bank of Scotland — 3 operation(s) for domestic scheduled payments.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Domestic Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-domestic-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-domestic-standing-order-consents-api
  name: Bank of Scotland Domestic Standing Order Consents API
  description: The Domestic Standing Order Consents API from Bank of Scotland — 2 operation(s) for domestic standing order
    consents.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Domestic Standing Order Consents
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-domestic-standing-order-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-domestic-standing-orders-api
  name: Bank of Scotland Domestic Standing Orders API
  description: The Domestic Standing Orders API from Bank of Scotland — 3 operation(s) for domestic standing orders.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Domestic Standing Orders
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-domestic-standing-orders-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-file-payment-consents-api
  name: Bank of Scotland File Payment Consents API
  description: The File Payment Consents API from Bank of Scotland — 3 operation(s) for file payment consents.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - File Payment Consents
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-file-payment-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-file-payments-api
  name: Bank of Scotland File Payments API
  description: The File Payments API from Bank of Scotland — 4 operation(s) for file payments.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - File Payments
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-file-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-funds-confirmation-consents-api
  name: Bank of Scotland Funds Confirmation Consents API
  description: The Funds Confirmation Consents API from Bank of Scotland — 2 operation(s) for funds confirmation consents.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Funds Confirmation Consents
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-funds-confirmation-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-funds-confirmations-api
  name: Bank of Scotland Funds Confirmations API
  description: The Funds Confirmations API from Bank of Scotland — 1 operation(s) for funds confirmations.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Funds Confirmations
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-funds-confirmations-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-international-payment-consents-api
  name: Bank of Scotland International Payment Consents API
  description: The International Payment Consents API from Bank of Scotland — 3 operation(s) for international payment consents.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - International Payment Consents
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-international-payment-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-international-payments-api
  name: Bank of Scotland International Payments API
  description: The International Payments API from Bank of Scotland — 3 operation(s) for international payments.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - International Payments
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-international-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-international-scheduled-payments-api
  name: Bank of Scotland International Scheduled Payments API
  description: The International Scheduled Payments API from Bank of Scotland — 3 operation(s) for international scheduled
    payments.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - International Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-international-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-international-scheduled-payments-consents-api
  name: Bank of Scotland International Scheduled Payments Consents API
  description: The International Scheduled Payments Consents API from Bank of Scotland — 3 operation(s) for international
    scheduled payments consents.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - International Scheduled Payments Consents
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-international-scheduled-payments-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-international-standing-orders-api
  name: Bank of Scotland International Standing Orders API
  description: The International Standing Orders API from Bank of Scotland — 3 operation(s) for international standing orders.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - International Standing Orders
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-international-standing-orders-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-international-standing-orders-consents-api
  name: Bank of Scotland International Standing Orders Consents API
  description: The International Standing Orders Consents API from Bank of Scotland — 2 operation(s) for international standing
    orders consents.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - International Standing Orders Consents
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-international-standing-orders-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-offers-api
  name: Bank of Scotland Offers API
  description: The Offers API from Bank of Scotland — 2 operation(s) for offers.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Offers
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-offers-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-parties-api
  name: Bank of Scotland Parties API
  description: The Parties API from Bank of Scotland — 3 operation(s) for parties.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Parties
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-parties-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-pca-api
  name: Bank of Scotland PCA API
  description: Endpoint for getting Personal Current Account data
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - PCA
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-pca-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-products-api
  name: Bank of Scotland Products API
  description: The Products API from Bank of Scotland — 2 operation(s) for products.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Product
  tags_raw:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-products-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-scheduled-payments-api
  name: Bank of Scotland Scheduled Payments API
  description: The Scheduled Payments API from Bank of Scotland — 2 operation(s) for scheduled payments.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-sme-api
  name: Bank of Scotland SME API
  description: Endpoint for getting Unsecured SME Loan data
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Small Business
  tags_raw:
  - SME
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-sme-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-standing-orders-api
  name: Bank of Scotland Standing Orders API
  description: The Standing Orders API from Bank of Scotland — 2 operation(s) for standing orders.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Standing Orders
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-standing-orders-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-statements-api
  name: Bank of Scotland Statements API
  description: The Statements API from Bank of Scotland — 5 operation(s) for statements.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Statements
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-statements-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: bank-of-scotland:bank-of-scotland-transactions-api
  name: Bank of Scotland Transactions API
  description: The Transactions API from Bank of Scotland — 2 operation(s) for transactions.
  humanURL: https://developer.lloydsbanking.com/open-data
  baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/bank-of-scotland-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/open-data
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Documentation
    url: https://developer.lloydsbanking.com/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
common:
- url: https://www.bankofscotland.co.uk/blog/
  type: Blog
- type: CapabilityMap
  url: capabilities/bank-of-scotland-capability-edges.yml
  name: Bank of Scotland Business Capability Map
- type: Overlay
  url: overlays/bank-of-scotland-opendata-overlay.yaml
- type: X-MCPServerCandidate
  url: mcp/bank-of-scotland-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/bank-of-scotland-find-branches-atms.md
- type: Overlay
  url: overlays/bank-of-scotland-account-info-overlay.yaml
- type: AgentSkill
  url: skills/bank-of-scotland-read-account-transactions.md
- type: Overlay
  url: overlays/bank-of-scotland-payment-initiation-overlay.yaml
- type: AgentSkill
  url: skills/bank-of-scotland-initiate-domestic-payment.md
- type: Overlay
  url: overlays/bank-of-scotland-confirmation-funds-overlay.yaml
- type: DomainSecurity
  url: security/bank-of-scotland-domain-security.yml
- type: Authentication
  url: authentication/bank-of-scotland-authentication.yml
- type: OAuthScopes
  url: scopes/bank-of-scotland-scopes.yml
- type: Conventions
  url: conventions/bank-of-scotland-conventions.yml
- type: Idempotency
  url: conventions/bank-of-scotland-conventions.yml
- type: ErrorCatalog
  url: errors/bank-of-scotland-problem-types.yml
- type: Conformance
  url: conformance/bank-of-scotland-conformance.yml
- type: Lifecycle
  url: lifecycle/bank-of-scotland-lifecycle.yml
- type: DataModel
  url: data-model/bank-of-scotland-data-model.yml
- type: Sandbox
  url: sandbox/bank-of-scotland-sandbox.yml
- type: LLMsTxt
  url: llms/bank-of-scotland-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://www.bankofscotland.co.uk/
- type: DeveloperPortal
  url: https://developer.lloydsbanking.com/
- type: Documentation
  url: https://www.bankofscotland.co.uk/aboutonline/security-and-privacy/open-banking-apis.html
- type: LinkedIn
  url: https://www.linkedin.com/company/bank-of-scotland
- type: TermsOfService
  url: https://www.bankofscotland.co.uk/legal.html
- type: PrivacyPolicy
  url: https://www.bankofscotland.co.uk/legal/privacy.html
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Bank of Scotland API — frequently asked questions

Does Bank of Scotland have an API?

Yes. APIs.io lists 34 APIs from Bank of Scotland, including Bank of Scotland Account Access Consents API, Bank of Scotland Accounts API and Bank of Scotland ATM API, and 31 more.

Is there an OpenAPI specification for the Bank of Scotland API?

Yes. APIs.io indexes 34 OpenAPI specifications for Bank of Scotland, each linked for download from this page.

How do I authenticate with the Bank of Scotland API?

Bank of Scotland documents its authentication (oauth2 · 2 schemes). The details are profiled on APIs.io as Bank Of Scotland Authentication.

Is the Bank of Scotland API ready for AI agents?

Bank of Scotland has a Kin Score of 32.6 out of 100 (thin) and an Agent Readiness score of 33.8 (agent-ready), scored by API Evangelist on 2026-11-06.

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