# Chase UK

**Canonical:** https://apis.io/providers/chase-uk/  
**Website:** https://www.chase.co.uk/  
**APIs profiled:** 3

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.

## Kin Score — 43.8 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 43.8).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 55.9 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 47.0 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Banking & Open Finance**: 67.1 (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 (3)

- **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)

- **Chase UK MCP Server**

## Agentic access (1)

- **Chase Uk Agentic Access** — 74 operations · 20 acting

## Security (2)

- **Chase Uk Authentication** — oauth2 · 2 schemes
- **Chase Uk Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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