# Bank of Scotland

**Canonical:** https://apis.io/providers/bank-of-scotland/  
**Website:** https://www.bankofscotland.co.uk/  
**APIs profiled:** 4

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.

## Kin Score — 34.5 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 34.5).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 51.2 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 39.9 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 60.8 (matched via tags).

## Agent readiness — 38.2 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| 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 (4)

- **Bank of Scotland Open Data API** — PUBLIC, unauthenticated OBIE Open Data reference API for Bank of Scotland, exposing ATM locations, branch details, personal and business current account products, unsecured SME ...
- **Bank of Scotland Account and Transaction Information API (AIS)** — OBIE Read/Write Account and Transaction Information (AIS) API - account details, balances, transactions, standing orders, direct debits, beneficiaries, statements, and products....
- **Bank of Scotland Payment Initiation API (PIS)** — OBIE Read/Write Payment Initiation (PIS) API - domestic, scheduled, standing order, international, and file payment consents and orders. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SC...
- **Bank of Scotland Confirmation of Funds API (CBPII)** — OBIE Read/Write Confirmation of Funds (CBPII) API - card-based payment instrument issuers confirm whether funds are available on an account. FAPI-secured (OAuth2/OIDC, mTLS, PSD...

## MCP servers (1)

- **Bank of Scotland MCP Server**

## Security (2)

- **Bank Of Scotland Authentication** — oauth2 · 2 schemes
- **Bank Of Scotland Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

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

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