Chase UK website screenshot

Chase UK

Chase UK is the digital retail bank operated in the United Kingdom by J.P. Morgan Europe Limited, a wholly owned subsidiary of JPMorgan Chase & Co. that launched the Chase consumer brand in the UK in September 2021. It is an app-only challenger bank with no physical branches or ATM estate, offering current accounts, savings, and round-up features to personal customers, and is authorised and regulated in the UK by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). As a Payment Services Regulations 2017 account provider (ASPSP), Chase UK operates a dedicated Open Banking interface conformant to the UK Open Banking Implementation Entity (OBIE) Read/Write API Standard, exposing Account Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) services to FCA-authorised third-party providers. It is not one of the CMA9 mandated banks; access is granted through its developer sandbox and secured with FAPI-grade OAuth2/OIDC, PSD2 strong customer authentication, and mutual-TLS using eIDAS QWAC or OBWAC certificates from the Open Banking Certificate Authority.

Chase UK publishes 3 APIs on the APIs.io network: Account and Transaction Information API (AIS), Payment Initiation API (PIS), and Confirmation of Funds API (CBPII). Tagged areas include Financial-Services, Banking, Open Banking, PSD2, and OBIE.

Chase UK’s developer surface includes authentication, documentation, getting-started guide, support, sandbox, and 22 more developer resources.

🌐 Visit website 📡 Source on GitHub
43.8/100 developing ▬ flat Agent 40/100 agent ready Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
3 APIs 1 MCP Servers
Financial-ServicesBankingOpen BankingPSD2OBIEUnited KingdomPaymentsAccount InformationChallenger BankFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 43.8/100 · developing
Contract Quality 11.9 / 21
Developer Ergonomics 8.0 / 17
Access Clarity 4.9 / 17
Operational Transparency 0.0 / 11
Contract Governance 1.7 / 10
Discoverability 6.1 / 9
Regulatory Posture 10.1 / 15
Agent readiness — 40/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 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
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.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/chase-uk: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 3

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

Chase UK Account and Transaction Information API (AIS)

Chase UK's Account Information Service (AIS) dedicated interface, conformant to the OBIE Read/Write API Standard, letting FCA-authorised AISPs retrieve a consenting customer's a...

Chase UK Payment Initiation API (PIS)

Chase UK's Payment Initiation Service (PIS) dedicated interface, conformant to the OBIE Read/Write API Standard, enabling FCA-authorised PISPs to create single immediate payment...

Chase UK Confirmation of Funds API (CBPII)

Chase UK's Confirmation of Funds (CBPII) dedicated interface, conformant to the OBIE Read/Write API Standard, allowing an FCA-authorised card-based payment instrument issuer to ...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Chase UK MCP Server

MCP SERVER

Security Posture 2

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

Chase Uk Authentication

oauth2 · 2 schemes

SECURITY

Chase Uk Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Chase Uk Scopes

3 scopes · clientCredentials/authorizationCode

3 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Chase Uk Agentic Access

74 operations · 20 acting

74 operations · 20 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Sandbox
Sandbox

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill
 MCPServer
MCPServer

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 Lifecycle
Lifecycle
 DataModel
DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk
ToolCrosswalk

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 OAuthScopes
OAuthScopes
 Authentication
Authentication
 Compliance
Compliance

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Other 3

Properties that don't map to a standard resource type

Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: chase-uk
url: https://raw.githubusercontent.com/api-evangelist/chase-uk/refs/heads/main/apis.yml
name: Chase UK
kind: company
description: Chase UK is the digital retail bank operated in the United Kingdom by J.P. Morgan Europe Limited, a wholly owned
  subsidiary of JPMorgan Chase & Co. that launched the Chase consumer brand in the UK in September 2021. It is an app-only
  challenger bank with no physical branches or ATM estate, offering current accounts, savings, and round-up features to personal
  customers, and is authorised and regulated in the UK by the Financial Conduct Authority (FCA) and the Prudential Regulation
  Authority (PRA). As a Payment Services Regulations 2017 account provider (ASPSP), Chase UK operates a dedicated Open Banking
  interface conformant to the UK Open Banking Implementation Entity (OBIE) Read/Write API Standard, exposing Account Information
  (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) services to FCA-authorised third-party providers. It
  is not one of the CMA9 mandated banks; access is granted through its developer sandbox and secured with FAPI-grade OAuth2/OIDC,
  PSD2 strong customer authentication, and mutual-TLS using eIDAS QWAC or OBWAC certificates from the Open Banking Certificate
  Authority.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- Challenger Bank
- Fintech
tags_raw:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- Challenger Bank
- Fintech
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: chase-uk:chase-uk-account-information-api
  name: Chase UK Account and Transaction Information API (AIS)
  description: Chase UK's Account Information Service (AIS) dedicated interface, conformant to the OBIE Read/Write API Standard,
    letting FCA-authorised AISPs retrieve a consenting customer's account, balance, transaction, beneficiary, standing order,
    direct debit, and statement data. Access is gated behind developer onboarding and secured with FAPI OAuth2/OIDC, PSD2
    SCA, and mutual-TLS. The referenced OpenAPI is the shared OBIE standard specification (v4.0.1), not a Chase-proprietary
    contract.
  humanURL: https://developer.openbanking-obie-sandbox.chase.co.uk/docs/
  tags:
  - Account Information
  - AISP
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/obie-account-info-openapi.yaml
  - type: Documentation
    url: https://developer.openbanking-obie-sandbox.chase.co.uk/docs/
  - type: Documentation
    url: https://www.chase.co.uk/gb/en/information-for-tpps/
  - type: DeveloperPortal
    url: https://developer.openbanking-obie-sandbox.chase.co.uk/
- aid: chase-uk:chase-uk-payment-initiation-api
  name: Chase UK Payment Initiation API (PIS)
  description: Chase UK's Payment Initiation Service (PIS) dedicated interface, conformant to the OBIE Read/Write API Standard,
    enabling FCA-authorised PISPs to create single immediate payments, future-dated payments, and standing orders to UK accounts
    on behalf of a consenting customer. Access is gated behind developer onboarding and secured with FAPI OAuth2/OIDC, PSD2
    SCA, and mutual-TLS. The referenced OpenAPI is the shared OBIE standard specification (v4.0.1), not a Chase-proprietary
    contract.
  humanURL: https://developer.openbanking-obie-sandbox.chase.co.uk/docs/
  tags:
  - Payment Initiation
  - PISP
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/obie-payment-initiation-openapi.yaml
  - type: Documentation
    url: https://developer.openbanking-obie-sandbox.chase.co.uk/docs/
  - type: Documentation
    url: https://www.chase.co.uk/gb/en/information-for-tpps/
  - type: DeveloperPortal
    url: https://developer.openbanking-obie-sandbox.chase.co.uk/
- aid: chase-uk:chase-uk-confirmation-of-funds-api
  name: Chase UK Confirmation of Funds API (CBPII)
  description: Chase UK's Confirmation of Funds (CBPII) dedicated interface, conformant to the OBIE Read/Write API Standard,
    allowing an FCA-authorised card-based payment instrument issuer to check whether a specified amount is available on a
    consenting customer's account. Access is gated behind developer onboarding and secured with FAPI OAuth2/OIDC, PSD2 SCA,
    and mutual-TLS. The referenced OpenAPI is the shared OBIE standard specification (v4.0.1), not a Chase-proprietary contract.
  humanURL: https://developer.openbanking-obie-sandbox.chase.co.uk/docs/
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/obie-confirmation-funds-openapi.yaml
  - type: Documentation
    url: https://developer.openbanking-obie-sandbox.chase.co.uk/docs/
  - type: Documentation
    url: https://www.chase.co.uk/gb/en/information-for-tpps/
  - type: DeveloperPortal
    url: https://developer.openbanking-obie-sandbox.chase.co.uk/
common:
- type: DomainSecurity
  url: security/chase-uk-domain-security.yml
- type: AgenticAccess
  url: agentic-access/chase-uk-agentic-access.yml
- type: OAuthScopes
  url: scopes/chase-uk-scopes.yml
- type: Authentication
  url: authentication/chase-uk-authentication.yml
- type: Website
  url: https://www.chase.co.uk/
- type: DeveloperPortal
  url: https://developer.openbanking-obie-sandbox.chase.co.uk/
- type: Documentation
  url: https://developer.openbanking-obie-sandbox.chase.co.uk/docs/
- type: GettingStarted
  url: https://www.chase.co.uk/gb/en/information-for-tpps/
- type: Support
  url: https://www.chase.co.uk/gb/en/support/contact-us/
- type: TermsOfService
  url: https://www.chase.co.uk/gb/en/legal/general-terms-and-conditions/
- type: PrivacyPolicy
  url: https://www.chase.co.uk/gb/en/legal/privacy-notice/
- type: LinkedIn
  url: https://www.linkedin.com/company/chase/
- type: Conventions
  url: conventions/chase-uk-conventions.yml
- type: Idempotency
  url: conventions/chase-uk-conventions.yml
- type: ErrorCatalog
  url: errors/chase-uk-problem-types.yml
- type: Conformance
  url: conformance/chase-uk-conformance.yml
- type: Compliance
  url: https://www.chase.co.uk/gb/en/information-for-tpps/
- type: Lifecycle
  url: lifecycle/chase-uk-lifecycle.yml
- type: DataModel
  url: data-model/chase-uk-data-model.yml
- type: Sandbox
  url: sandbox/chase-uk-sandbox.yml
- type: LLMsTxt
  url: llms/chase-uk-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: MCPServer
  url: mcp/chase-uk-mcp.yml
- type: ToolCrosswalk
  url: mcp/chase-uk-tool-crosswalk.yml
- type: Overlay
  name: AIS OpenAPI overlay
  url: overlays/chase-uk-account-info-overlay.yaml
- type: Overlay
  name: PIS OpenAPI overlay
  url: overlays/chase-uk-payment-initiation-overlay.yaml
- type: Overlay
  name: CBPII OpenAPI overlay
  url: overlays/chase-uk-confirmation-funds-overlay.yaml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com