Cashplus Bank

aid: cashplus
url: https://raw.githubusercontent.com/api-evangelist/cashplus/refs/heads/main/apis.yml
name: Cashplus Bank
kind: company
description: Cashplus Bank (legal entity Advanced Payment Solutions Limited, rebranded to Zempler Bank in July 2024) is a
  UK challenger bank founded in 2005 that grew from a prepaid-card issuer into a fully licensed bank, receiving its UK banking
  licence in 2021 and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). It
  focuses on business current accounts, personal current accounts, credit cards, and payments for micro-enterprises, sole
  traders, and small-to-medium businesses. Following a 2026 acquisition it operates as a subsidiary of The Access Bank UK
  (part of Nigeria's Access Bank plc). As an FCA-authorised ASPSP it participates in UK Open Banking under PSD2, publishing
  Read/Write APIs conformant to the Open Banking Implementation Entity (OBIE) standard - Account Information (AIS), Payment
  Initiation (PIS), and Confirmation of Funds (CBPII) - secured with FAPI-grade OAuth2/OIDC, mutual-TLS, PSD2 strong customer
  authentication, and OBIE/eIDAS certificates. Cashplus is not one of the CMA9 mandated banks. Alongside the regulated Open
  Banking surface it runs a first-party partner/developer platform documenting proprietary Identity, Accounts, Applications,
  Eligibility, Payments, Products, and Transactions APIs for embedded and commercial integrations.
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
- Challenger Bank
- Business Banking
- Fintech
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: cashplus:cashplus-account-information-api
  name: Cashplus Account Information API
  description: Open Banking Account Information Service Provider (AISP) API conformant to the OBIE Read/Write API Standard,
    exposing account access consents, account details, balances, transactions, standing orders, direct debits, beneficiaries,
    and statements. Secured with FAPI OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. The harvested OpenAPI
    is the shared OBIE standard the bank conforms to, not a bank-proprietary contract.
  humanURL: https://developer.zemplerbank.com/developer-guides/open-banking/identity
  baseURL: ''
  tags:
  - Account Information
  - AISP
  - Open Banking
  - PSD2
  - OBIE
  properties:
  - type: OpenAPI
    url: openapi/cashplus-account-information-openapi.yml
  - type: Documentation
    url: https://developer.zemplerbank.com/developer-guides/open-banking/identity
  - type: APIReference
    url: https://www.zemplerbank.com/api/
- aid: cashplus:cashplus-payment-initiation-api
  name: Cashplus Payment Initiation API
  description: Open Banking Payment Initiation Service Provider (PISP) API conformant to the OBIE Read/Write API Standard,
    supporting domestic payments, domestic scheduled payments, and domestic standing orders with the customer approving each
    payment via PSD2 strong customer authentication over FAPI OAuth2/OIDC and mutual-TLS. The harvested OpenAPI is the shared
    OBIE standard the bank conforms to, not a bank-proprietary contract.
  humanURL: https://developer.zemplerbank.com/developer-guides/open-banking/identity
  baseURL: ''
  tags:
  - Payment Initiation
  - PISP
  - Open Banking
  - PSD2
  - OBIE
  properties:
  - type: OpenAPI
    url: openapi/cashplus-payment-initiation-openapi.yml
  - type: Documentation
    url: https://developer.zemplerbank.com/developer-guides/open-banking/identity
  - type: APIReference
    url: https://www.zemplerbank.com/api/
- aid: cashplus:cashplus-confirmation-of-funds-api
  name: Cashplus Confirmation of Funds API
  description: Open Banking Card Based Payment Instrument Issuer (CBPII) Confirmation of Funds API conformant to the OBIE
    Read/Write API Standard, letting authorised providers establish a funds-confirmation consent and check whether sufficient
    funds are available on a customer account, secured with FAPI OAuth2/OIDC, PSD2 SCA, and mutual-TLS. The harvested OpenAPI
    is the shared OBIE standard the bank conforms to, not a bank-proprietary contract.
  humanURL: https://developer.zemplerbank.com/developer-guides/open-banking/identity
  baseURL: ''
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  - PSD2
  - OBIE
  properties:
  - type: OpenAPI
    url: openapi/cashplus-confirmation-of-funds-openapi.yml
  - type: Documentation
    url: https://developer.zemplerbank.com/developer-guides/open-banking/identity
  - type: APIReference
    url: https://www.zemplerbank.com/api/
- aid: cashplus:cashplus-identity-api
  name: Cashplus Identity API
  description: First-party partner API for authentication and registration against the Cashplus/Zempler developer platform,
    used to obtain credentials and tokens before calling the proprietary Accounts, Payments, Applications, Eligibility, Products,
    and Transactions APIs. Requires a direct commercial relationship with the bank.
  humanURL: https://developer.zemplerbank.com/developer-guides/api/identity
  baseURL: ''
  tags:
  - Identity
  - Authentication
  - Partner API
  properties:
  - type: Documentation
    url: https://developer.zemplerbank.com/developer-guides/api/identity
  - type: APIReference
    url: https://developer.zemplerbank.com/
- aid: cashplus:cashplus-accounts-api
  name: Cashplus Accounts API
  description: First-party partner API to retrieve real-time account details and current balance for Cashplus/Zempler business
    and personal current accounts, for reconciliation and financial analysis. Requires a direct commercial relationship with
    the bank.
  humanURL: https://developer.zemplerbank.com/developer-guides/api/accounts
  baseURL: ''
  tags:
  - Accounts
  - Balances
  - Partner API
  properties:
  - type: Documentation
    url: https://developer.zemplerbank.com/developer-guides/api/accounts
  - type: APIReference
    url: https://developer.zemplerbank.com/
- aid: cashplus:cashplus-applications-api
  name: Cashplus Applications API
  description: First-party partner API to create applications that open new Cashplus/Zempler current accounts programmatically,
    enabling embedded account onboarding within partner platforms. Requires a direct commercial relationship with the bank.
  humanURL: https://developer.zemplerbank.com/developer-guides/api/applications
  baseURL: ''
  tags:
  - Applications
  - Onboarding
  - Partner API
  properties:
  - type: Documentation
    url: https://developer.zemplerbank.com/developer-guides/api/applications
  - type: APIReference
    url: https://developer.zemplerbank.com/
- aid: cashplus:cashplus-eligibility-api
  name: Cashplus Eligibility API
  description: First-party partner API for running credit card eligibility checks against Cashplus/Zempler credit products.
    Requires a direct commercial relationship with the bank.
  humanURL: https://developer.zemplerbank.com/developer-guides/api/eligibility
  baseURL: ''
  tags:
  - Eligibility
  - Credit
  - Partner API
  properties:
  - type: Documentation
    url: https://developer.zemplerbank.com/developer-guides/api/eligibility
  - type: APIReference
    url: https://developer.zemplerbank.com/
- aid: cashplus:cashplus-payments-api
  name: Cashplus Payments API
  description: First-party partner API to initiate single and batch domestic GBP payments at low cost from Cashplus/Zempler
    accounts, marketed for partners as a lower-cost alternative to standard payment rails. Requires a direct commercial relationship
    with the bank.
  humanURL: https://developer.zemplerbank.com/developer-guides/api/payments
  baseURL: ''
  tags:
  - Payments
  - Batch Payments
  - Partner API
  properties:
  - type: Documentation
    url: https://developer.zemplerbank.com/developer-guides/api/payments
  - type: APIReference
    url: https://developer.zemplerbank.com/
- aid: cashplus:cashplus-products-api
  name: Cashplus Products API
  description: First-party partner API to query the catalogue of Cashplus/Zempler banking products. Requires a direct commercial
    relationship with the bank.
  humanURL: https://developer.zemplerbank.com/developer-guides/api/products
  baseURL: ''
  tags:
  - Products
  - Partner API
  properties:
  - type: Documentation
    url: https://developer.zemplerbank.com/developer-guides/api/products
  - type: APIReference
    url: https://developer.zemplerbank.com/
- aid: cashplus:cashplus-transactions-api
  name: Cashplus Transactions API
  description: First-party partner API to search and filter transactions on Cashplus/Zempler accounts, for reconciliation
    and reporting. Requires a direct commercial relationship with the bank.
  humanURL: https://developer.zemplerbank.com/developer-guides/api/transactions
  baseURL: ''
  tags:
  - Transactions
  - Partner API
  properties:
  - type: Documentation
    url: https://developer.zemplerbank.com/developer-guides/api/transactions
  - type: APIReference
    url: https://developer.zemplerbank.com/
common:
- type: DomainSecurity
  url: security/cashplus-domain-security.yml
- type: AgenticAccess
  url: agentic-access/cashplus-agentic-access.yml
- type: OAuthScopes
  url: scopes/cashplus-scopes.yml
- type: Authentication
  url: authentication/cashplus-authentication.yml
- type: OpenAPI
  url: openapi/cashplus-account-information-openapi.yml
- type: Website
  url: https://www.zemplerbank.com/
- type: DeveloperPortal
  url: https://developer.zemplerbank.com/
- type: Documentation
  url: https://www.zemplerbank.com/api-developer/
- type: OpenBanking
  url: https://www.zemplerbank.com/api/
- type: OpenBankingDirectory
  url: https://www.openbanking.org.uk/customers/regulated-providers/
- type: LinkedIn
  url: https://www.linkedin.com/company/zemplerbank
- type: Blog
  url: https://www.zemplerbank.com/about/news/
- type: TermsOfService
  url: https://www.zemplerbank.com/terms-and-conditions/
- type: Legal
  url: https://www.zemplerbank.com/legal/
- type: PrivacyPolicy
  url: https://www.zemplerbank.com/policies/privacy-policy/
- type: Support
  url: https://www.zemplerbank.com/help/
- type: Contact
  url: https://www.zemplerbank.com/contact/
- type: StatusPage
  url: https://status.zemplerbank.com/
- type: Lifecycle
  url: lifecycle/cashplus-lifecycle.yml
- type: Conventions
  url: conventions/cashplus-conventions.yml
- type: Idempotency
  url: conventions/cashplus-conventions.yml
- type: ErrorCatalog
  url: errors/cashplus-problem-types.yml
- type: Conformance
  url: conformance/cashplus-conformance.yml
- type: DataModel
  url: data-model/cashplus-data-model.yml
- type: MCPServer
  url: mcp/cashplus-mcp.yml
- type: ToolCrosswalk
  url: mcp/cashplus-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/cashplus-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  url: overlays/cashplus-account-information-overlay.yaml
- type: Overlay
  url: overlays/cashplus-payment-initiation-overlay.yaml
- type: Overlay
  url: overlays/cashplus-confirmation-of-funds-overlay.yaml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com