# Cashplus Bank

**Canonical:** https://apis.io/providers/cashplus/  
**Website:** https://www.zemplerbank.com/  
**APIs profiled:** 10

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.

## Kin Score — 43.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 43.1).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 50.8 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 39.9 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 70.9 (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 (10)

- **Cashplus Account Information API** — Open Banking Account Information Service Provider (AISP) API conformant to the OBIE Read/Write API Standard, exposing account access consents, account details, balances, transac...
- **Cashplus Payment Initiation API** — Open Banking Payment Initiation Service Provider (PISP) API conformant to the OBIE Read/Write API Standard, supporting domestic payments, domestic scheduled payments, and domest...
- **Cashplus Confirmation of Funds API** — 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 fund...
- **Cashplus Identity API** — First-party partner API for authentication and registration against the Cashplus/Zempler developer platform, used to obtain credentials and tokens before calling the proprietary...
- **Cashplus Accounts API** — 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 a...
- **Cashplus Applications API** — First-party partner API to create applications that open new Cashplus/Zempler current accounts programmatically, enabling embedded account onboarding within partner platforms. R...
- **Cashplus Eligibility API** — First-party partner API for running credit card eligibility checks against Cashplus/Zempler credit products. Requires a direct commercial relationship with the bank.
- **Cashplus Payments API** — 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 stand...
- **Cashplus Products API** — First-party partner API to query the catalogue of Cashplus/Zempler banking products. Requires a direct commercial relationship with the bank.
- **Cashplus Transactions API** — 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.

## MCP servers (1)

- **Cashplus Bank MCP Server**

## Agentic access (1)

- **Cashplus Agentic Access** — 74 operations · 20 acting

## Security (2)

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

## Tags

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

---

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