# Coutts

**Canonical:** https://apis.io/providers/coutts/  
**Website:** https://www.coutts.com/  
**APIs profiled:** 4

Coutts & Co is a British private bank and wealth manager founded in 1692, headquartered in London and serving high-net-worth individuals, families, commercial and institutional clients. It is a wholly owned subsidiary of NatWest Group (formerly The Royal Bank of Scotland Group), one of the UK CMA9 banking groups mandated to deliver Open Banking. Coutts is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA (FCA Firm Reference 001b000000MfEueAAF). As an Account Servicing Payment Service Provider (ASPSP) it participates in UK Open Banking under PSD2, exposing its account, payment and confirmation-of-funds surfaces through NatWest Group's "Bank of APIs" developer platform. Those Read/Write APIs conform to the Open Banking Implementation Entity (OBIE) Read/Write Standard and are secured with FAPI-grade OAuth2/OIDC, PSD2 strong customer authentication, and mutual-TLS client authentication using OBIE/eIDAS certificates. Coutts additionally publishes OBIE Open Data reference information for its commercial/business current accounts.

## Kin Score — 41.3 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 41.3).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 55.9 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 20.8 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 68.4 (matched via tags).

## Agent readiness — 42.9 (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 | yes |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (4)

- **Coutts Account and Transaction Information API** — OBIE Read/Write Account and Transaction Information (AIS) API for Coutts, letting FCA-authorised AISPs retrieve account, balance, transaction, party, standing order, direct debi...
- **Coutts Payment Initiation API** — OBIE Read/Write Payment Initiation (PIS) API for Coutts, letting FCA-authorised PISPs initiate domestic, scheduled, standing-order, international and file payments on behalf of ...
- **Coutts Confirmation of Funds API** — OBIE Read/Write Confirmation of Funds (CBPII) API for Coutts, letting authorised Card Based Payment Instrument Issuers check whether sufficient funds are available on an account...
- **Coutts Open Data API** — OBIE Open Data API for Coutts publishing PUBLIC, unauthenticated reference data for its commercial/business current account products, following the Open Banking Open Data Standa...

## MCP servers (1)

- **Coutts MCP Server**

## Agentic access (1)

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

## Security (3)

- **Coutts Authentication** — oauth2 · 2 schemes
- **Coutts Domain Security** — TLSv1.3 · HSTS · DMARC
- **Coutts Vulnerability Disclosure** — Bugcrowd · security.txt · contact published

## Tags

Financial-Services, Banking, Private Bank, Wealth Management, Open Banking, PSD2, OBIE, FAPI, Payments, Account Information, United Kingdom

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