The Co-operative Bank

The Co-operative Bank plc is a UK high-street retail and commercial bank, headquartered in Manchester and long known for its customer-led ethical banking policy. Following its 2013-2017 recapitalisation it was owned by institutional bondholders, and in January 2025 it completed its acquisition by Coventry Building Society, becoming part of the member-owned Coventry Building Society Group; it also operates the online-only "smile" brand. Authorised by the PRA and regulated by the FCA and PRA, it is an FCA-authorised ASPSP under PSD2 and the UK Open Banking regime. While it is not one of the nine CMA-mandated banks (CMA9), it implements the Open Banking Implementation Entity (OBIE) Read/Write API Standard (v3.1) and publishes a public developer portal at developer.co-operativebank.co.uk exposing Account Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) APIs for both the Co-operative Bank and smile brands, secured with FAPI-grade OAuth2/OIDC, mutual-TLS client authentication using Open Banking directory certificates, and PSD2 strong customer authentication, with a manual TPP onboarding process and a sandbox for testing before production.

The Co-operative Bank publishes 6 APIs on the APIs.io network, including ATM API, BCA API, Branch API, and 3 more. Tagged areas include Financial-Services, Banking, Open Banking, PSD2, and OBIE.

The Co-operative Bank’s developer surface includes documentation, getting-started guide, authentication, sandbox, support, signup flow, and 22 more developer resources.

🌐 Visit website 📡 Source on GitHub

44.8/100 developing ▬ flat Agent 23/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

Financial-Services Banking Open Banking PSD2 OBIE United Kingdom Payments Account Information Confirmation of Funds Fintech

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 44.8/100 · developing

Contract Quality 6.9 / 21

Developer Ergonomics 10.5 / 17

Access Clarity 4.0 / 17

Operational Transparency 2.9 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 11.0 / 15

Agent readiness — 23/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 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 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 4 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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.

Create-or-Update Ergonomics does not apply to this provider. The published contracts declare no write operations, and a read-only API cannot create-or-update. The facet is excluded from this provider's denominator entirely — not scored zero. A reference or data API is not deficient for being unable to upsert.

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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/co-operative-bank: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 9

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

The Co-operative Bank Account Information API (AIS)

OBIE Read/Write Account & Transaction Information (AISP) API for The Co-operative Bank and smile brands — account-access consents, accounts, balances, transactions, direct debit...

The Co-operative Bank Payment Initiation API (PIS)

OBIE Read/Write Payment Initiation (PISP) API for The Co-operative Bank and smile brands — domestic payments, domestic scheduled payments and domestic standing orders, with thei...

The Co-operative Bank Confirmation of Funds API (CBPII)

OBIE Read/Write Confirmation of Funds (CBPII / Card-Based Payment Instrument) API — funds-confirmation consent and funds-confirmation checks for The Co-operative Bank and smile ...

The Co-operative Bank ATM API

Endpoint for getting ATM data

The Co-operative Bank BCA API

Endpoint for getting Business Current Account data

The Co-operative Bank Branch API

Endpoint for getting Branch data

The Co-operative Bank CCC API

Endpoint for getting Commercial Credit Card data

The Co-operative Bank PCA API

Endpoint for getting Personal Current Account data

The Co-operative Bank SME API

Endpoint for getting Unsecured SME Loan data

Scroll for all 9

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Open Data API

OPEN COLLECTION

Security Posture 3

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

Co Operative Bank Authentication

oauth2/openIdConnect/mutualTLS · 3 schemes

SECURITY

Co Operative Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Co Operative Bank Vulnerability Disclosure

security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Co Operative Bank Scopes

6 scopes · authorizationCode

6 scopes

SCOPES

Agentic Access 1

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

Co Operative Bank Agentic Access

12 operations

12 operations · 0 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

Sandbox

SignUp

Sandbox

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

Access & Security 7

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Authentication

Authentication

OAuthScopes

SecurityTxt

Security

Scroll for all 7

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: co-operative-bank
url: https://raw.githubusercontent.com/api-evangelist/co-operative-bank/refs/heads/main/apis.yml
name: The Co-operative Bank
kind: company
description: The Co-operative Bank plc is a UK high-street retail and commercial bank, headquartered in Manchester and long
  known for its customer-led ethical banking policy. Following its 2013-2017 recapitalisation it was owned by institutional
  bondholders, and in January 2025 it completed its acquisition by Coventry Building Society, becoming part of the member-owned
  Coventry Building Society Group; it also operates the online-only "smile" brand. Authorised by the PRA and regulated by
  the FCA and PRA, it is an FCA-authorised ASPSP under PSD2 and the UK Open Banking regime. While it is not one of the nine
  CMA-mandated banks (CMA9), it implements the Open Banking Implementation Entity (OBIE) Read/Write API Standard (v3.1) and
  publishes a public developer portal at developer.co-operativebank.co.uk exposing Account Information (AIS), Payment Initiation
  (PIS), and Confirmation of Funds (CBPII) APIs for both the Co-operative Bank and smile brands, secured with FAPI-grade OAuth2/OIDC,
  mutual-TLS client authentication using Open Banking directory certificates, and PSD2 strong customer authentication, with
  a manual TPP onboarding process and a sandbox for testing before production.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: request
  trial: false
  try_now: false
  public: false
  label: TPP onboarding (manual)
  confidence: medium
  source:
  - authentication
  - documentation
  generated: '2026-07-23'
  method: derived
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
- Confirmation of Funds
- Fintech
tags_raw:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- Confirmation of Funds
- Fintech
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: co-operative-bank:account-information-api
  name: The Co-operative Bank Account Information API (AIS)
  description: OBIE Read/Write Account & Transaction Information (AISP) API for The Co-operative Bank and smile brands — account-access
    consents, accounts, balances, transactions, direct debits, standing orders and scheduled payments. FAPI-secured (OAuth2/OIDC,
    mTLS, PSD2 SCA); requires TPP onboarding.
  humanURL: https://www.developer.co-operativebank.co.uk/apis/aisp/
  baseURL: https://openbanking-retail.apis.co-operativebank.co.uk/apis/retail/open-banking/v3.1/aisp
  tags:
  - Account Information
  - AISP
  - Open Banking
  properties:
  - type: Documentation
    url: https://www.developer.co-operativebank.co.uk/apis/aisp/
  - type: APIReference
    url: https://www.developer.co-operativebank.co.uk/apis/aisp/endpoints-and-errors/
  - type: Documentation
    url: https://www.developer.co-operativebank.co.uk/apis/general-specifications/
- aid: co-operative-bank:payment-initiation-api
  name: The Co-operative Bank Payment Initiation API (PIS)
  description: OBIE Read/Write Payment Initiation (PISP) API for The Co-operative Bank and smile brands — domestic payments,
    domestic scheduled payments and domestic standing orders, with their associated consents. FAPI-secured (OAuth2/OIDC, mTLS,
    PSD2 SCA); requires TPP onboarding.
  humanURL: https://www.developer.co-operativebank.co.uk/apis/pisp/
  baseURL: https://openbanking-retail.apis.co-operativebank.co.uk/apis/retail/open-banking/v3.1/pisp
  tags:
  - Payment Initiation
  - PISP
  - Payments
  - Open Banking
  properties:
  - type: Documentation
    url: https://www.developer.co-operativebank.co.uk/apis/pisp/
  - type: APIReference
    url: https://www.developer.co-operativebank.co.uk/apis/pisp/endpoints-and-errors/
  - type: Documentation
    url: https://www.developer.co-operativebank.co.uk/apis/general-specifications/
- aid: co-operative-bank:confirmation-of-funds-api
  name: The Co-operative Bank Confirmation of Funds API (CBPII)
  description: OBIE Read/Write Confirmation of Funds (CBPII / Card-Based Payment Instrument) API — funds-confirmation consent
    and funds-confirmation checks for The Co-operative Bank and smile brands. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA);
    requires TPP onboarding.
  humanURL: https://www.developer.co-operativebank.co.uk/apis/cbpii/
  baseURL: https://openbanking-retail.apis.co-operativebank.co.uk/apis/retail/open-banking/v3.1/cbpii
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  properties:
  - type: Documentation
    url: https://www.developer.co-operativebank.co.uk/apis/cbpii/
  - type: APIReference
    url: https://www.developer.co-operativebank.co.uk/apis/cbpii/endpoints-and-errors/
  - type: Documentation
    url: https://www.developer.co-operativebank.co.uk/apis/general-specifications/
- aid: co-operative-bank:co-operative-bank-atm-api
  name: The Co-operative Bank ATM API
  description: Endpoint for getting ATM data
  humanURL: https://www.developer.co-operativebank.co.uk/apis/aisp/
  baseURL: https://openbanking-retail.apis.co-operativebank.co.uk/apis/retail/open-banking/v3.1/aisp
  tags:
  - ATM
  properties:
  - type: OpenAPI
    url: openapi/co-operative-bank-atm-api-openapi.yml
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atmlocator/atm-locator.html
- aid: co-operative-bank:co-operative-bank-bca-api
  name: The Co-operative Bank BCA API
  description: Endpoint for getting Business Current Account data
  humanURL: https://www.developer.co-operativebank.co.uk/apis/aisp/
  baseURL: https://openbanking-retail.apis.co-operativebank.co.uk/apis/retail/open-banking/v3.1/aisp
  tags:
  - BCA
  properties:
  - type: OpenAPI
    url: openapi/co-operative-bank-bca-api-openapi.yml
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atmlocator/atm-locator.html
- aid: co-operative-bank:co-operative-bank-branch-api
  name: The Co-operative Bank Branch API
  description: Endpoint for getting Branch data
  humanURL: https://www.developer.co-operativebank.co.uk/apis/aisp/
  baseURL: https://openbanking-retail.apis.co-operativebank.co.uk/apis/retail/open-banking/v3.1/aisp
  tags:
  - Branch
  properties:
  - type: OpenAPI
    url: openapi/co-operative-bank-branch-api-openapi.yml
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atmlocator/atm-locator.html
- aid: co-operative-bank:co-operative-bank-ccc-api
  name: The Co-operative Bank CCC API
  description: Endpoint for getting Commercial Credit Card data
  humanURL: https://www.developer.co-operativebank.co.uk/apis/aisp/
  baseURL: https://openbanking-retail.apis.co-operativebank.co.uk/apis/retail/open-banking/v3.1/aisp
  tags:
  - CCC
  properties:
  - type: OpenAPI
    url: openapi/co-operative-bank-ccc-api-openapi.yml
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atmlocator/atm-locator.html
- aid: co-operative-bank:co-operative-bank-pca-api
  name: The Co-operative Bank PCA API
  description: Endpoint for getting Personal Current Account data
  humanURL: https://www.developer.co-operativebank.co.uk/apis/aisp/
  baseURL: https://openbanking-retail.apis.co-operativebank.co.uk/apis/retail/open-banking/v3.1/aisp
  tags:
  - PCA
  properties:
  - type: OpenAPI
    url: openapi/co-operative-bank-pca-api-openapi.yml
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atmlocator/atm-locator.html
- aid: co-operative-bank:co-operative-bank-sme-api
  name: The Co-operative Bank SME API
  description: Endpoint for getting Unsecured SME Loan data
  humanURL: https://www.developer.co-operativebank.co.uk/apis/aisp/
  baseURL: https://openbanking-retail.apis.co-operativebank.co.uk/apis/retail/open-banking/v3.1/aisp
  tags:
  - SME
  properties:
  - type: OpenAPI
    url: openapi/co-operative-bank-sme-api-openapi.yml
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atmlocator/atm-locator.html
common:
- type: CapabilityMap
  url: capabilities/co-operative-bank-capability-edges.yml
  name: The Co-operative Bank Business Capability Map
- type: VulnerabilityDisclosure
  url: security/co-operative-bank-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/co-operative-bank-domain-security.yml
- type: AgenticAccess
  url: agentic-access/co-operative-bank-agentic-access.yml
- type: Website
  url: https://www.co-operativebank.co.uk/
- type: DeveloperPortal
  url: https://www.developer.co-operativebank.co.uk/
- type: Documentation
  url: https://www.developer.co-operativebank.co.uk/apis/
- type: GettingStarted
  url: https://www.developer.co-operativebank.co.uk/get-started/
- type: Authentication
  url: https://www.developer.co-operativebank.co.uk/apis/general-specifications/
- type: Sandbox
  url: https://www.developer.co-operativebank.co.uk/help-and-support/sandbox-environment/
- type: StatusPage
  url: https://www.developer.co-operativebank.co.uk/help-and-support/service-status/
- type: Support
  url: https://www.developer.co-operativebank.co.uk/help-and-support/frequently-asked-questions/
- type: PrivacyPolicy
  url: https://www.developer.co-operativebank.co.uk/help-and-support/privacy-cookie-policies/
- type: LinkedIn
  url: https://www.linkedin.com/company/the-co-operative-bank
- type: SignUp
  url: https://www.developer.co-operativebank.co.uk/get-started/
- type: Authentication
  url: authentication/co-operative-bank-authentication.yml
- type: OAuthScopes
  url: scopes/co-operative-bank-scopes.yml
- type: Conventions
  url: conventions/co-operative-bank-conventions.yml
- type: Idempotency
  url: conventions/co-operative-bank-conventions.yml
- type: ErrorCatalog
  url: errors/co-operative-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/co-operative-bank-lifecycle.yml
- type: Conformance
  url: conformance/co-operative-bank-conformance.yml
- type: Sandbox
  url: sandbox/co-operative-bank-sandbox.yml
- type: WellKnown
  url: well-known/co-operative-bank-well-known.yml
- type: SecurityTxt
  url: well-known/co-operative-bank-security.txt
- type: Security
  url: https://www.co-operativebank.co.uk/help-and-support/fraud-and-security/responsible-security-disclosure/
- type: LLMsTxt
  url: llms/co-operative-bank-llms.txt
- type: Overlay
  url: overlays/co-operative-bank-open-data-overlay.yaml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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