# The Co-operative Bank

**Canonical:** https://apis.io/providers/co-operative-bank/  
**Website:** https://www.co-operativebank.co.uk/  
**APIs profiled:** 4

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.

## Kin Score — 48.0 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 48.0).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 37.1 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 54.8 |
| Commercial Clarity | 23.7 |
| Access Clarity | 23.7 |

Regulatory layer — **Banking & Open Finance**: 83.5 (matched via tags).

## Agent readiness — 38.3 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | na |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | na |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | na |

## Access

TPP onboarding (manual) — onboarding: unknown, pricing: unknown, trial: no (confidence: medium).

## APIs (4)

- **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 Open Data API (OBIE standard)** — Public, unauthenticated OBIE Open Data reference data (ATMs, Branches, Personal & Business Current Accounts, Unsecured SME Loans, Commercial Credit Cards). Represented here agai...

## Agentic access (1)

- **Co Operative Bank Agentic Access** — 12 operations

## Security (3)

- **Co Operative Bank Authentication** — oauth2/openIdConnect/mutualTLS · 3 schemes
- **Co Operative Bank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Co Operative Bank Vulnerability Disclosure** — security.txt · contact published

## Tags

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

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