Cynergy Bank

Cynergy Bank is an FCA- and PRA-authorised UK specialist bank (FCA reference 575105) serving the blended personal and business banking needs of business owners, property entrepreneurs, and family businesses. It was formed in December 2018 when Cynergy Capital acquired Bank of Cyprus UK for approximately £103m and rebranded the business as Cynergy Bank. Although it is not one of the nine CMA-mandated banks (CMA9), as a UK ASPSP it complies with PSD2 and the UK Open Banking Standard, publishing a dedicated third-party interface for the Open Banking Implementation Entity (OBIE) Read/Write APIs — Account & Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII). Access is restricted to FCA- or EEA-regulated Third Party Providers and is secured with FAPI-grade OAuth2/OIDC, mutual-TLS client authentication, and PSD2 strong customer authentication using OBIE/eIDAS certificates, onboarded through the bank's Open Banking developer portal.

Cynergy Bank publishes 3 APIs on the APIs.io network: Account & 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.

Cynergy Bank’s developer surface includes authentication, documentation, support, and 20 more developer resources.

🌐 Visit website 📡 Source on GitHub

43.2/100 thin ▬ flat Agent 74/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

3 APIs 1 MCP Servers

Financial ServicesBankingOpen BankingPSD2OBIEUnited KingdomPaymentsAccount InformationConfirmation of FundsSpecialist Lender

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 43.2/100 · thin

Contract Quality 13.5 / 25

Developer Ergonomics 9.6 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 1.4 / 13

Governance 0.0 / 12

Discoverability 8.8 / 10

Agent readiness — 74/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 15 / 15

MCP Server 12 / 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 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

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/cynergy-bank: 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.

MCP Servers 1

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

Scopes 1

OAuth scopes governing access to this provider's APIs.

Cynergy Bank Scopes

3 scopes · clientCredentials/authorizationCode

3 scopes

SCOPES

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

LLMsTxt

AgentSkill

MCPServer

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Conformance

Lifecycle

DataModel

Build 2

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk

ToolCrosswalk

DocumentLibrary

DocumentLibrary

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

OAuthScopes

Authentication

Security

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

LinkedIn

Source (apis.yml)

aid: cynergy-bank
url: https://raw.githubusercontent.com/api-evangelist/cynergy-bank/refs/heads/main/apis.yml
name: Cynergy Bank
kind: company
description: Cynergy Bank is an FCA- and PRA-authorised UK specialist bank (FCA reference 575105) serving the blended personal
  and business banking needs of business owners, property entrepreneurs, and family businesses. It was formed in December
  2018 when Cynergy Capital acquired Bank of Cyprus UK for approximately £103m and rebranded the business as Cynergy Bank.
  Although it is not one of the nine CMA-mandated banks (CMA9), as a UK ASPSP it complies with PSD2 and the UK Open Banking
  Standard, publishing a dedicated third-party interface for the Open Banking Implementation Entity (OBIE) Read/Write APIs
  — Account & Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII). Access is restricted
  to FCA- or EEA-regulated Third Party Providers and is secured with FAPI-grade OAuth2/OIDC, mutual-TLS client authentication,
  and PSD2 strong customer authentication using OBIE/eIDAS certificates, onboarded through the bank's Open Banking developer
  portal.
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
- Specialist Lender
created: '2026-07-23'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: cynergy-bank:cynergy-bank-account-information-api
  name: Cynergy Bank Account & Transaction Information API (AIS)
  description: Cynergy Bank's implementation of the OBIE Read/Write Account & Transaction Information (AISP) API, allowing
    FCA/EEA-regulated Account Information Service Providers to retrieve customer account, balance, transaction, and product
    data with customer consent. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA). The harvested OpenAPI is the shared OBIE Read/Write
    standard the interface conforms to, not a Cynergy-proprietary contract.
  humanURL: https://developer.openbanking.cynergybank.co.uk/
  tags:
  - Account Information
  - AISP
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/cynergy-bank-account-information-obie-standard-openapi.yaml
  - type: Overlay
    url: overlays/cynergy-bank-account-information-overlay.yaml
  - type: Documentation
    url: https://developer.openbanking.cynergybank.co.uk/
  - type: Documentation
    url: https://www.cynergybank.co.uk/support/open-banking
  - type: APIReference
    url: https://developer.openbanking.cynergybank.co.uk/
- aid: cynergy-bank:cynergy-bank-payment-initiation-api
  name: Cynergy Bank Payment Initiation API (PIS)
  description: Cynergy Bank's implementation of the OBIE Read/Write Payment Initiation (PISP) API, allowing FCA/EEA-regulated
    Payment Initiation Service Providers to initiate domestic and scheduled payments on behalf of customers with their consent.
    FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA). The harvested OpenAPI is the shared OBIE Read/Write standard the interface
    conforms to, not a Cynergy-proprietary contract.
  humanURL: https://developer.openbanking.cynergybank.co.uk/
  tags:
  - Payment Initiation
  - PISP
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/cynergy-bank-payment-initiation-obie-standard-openapi.yaml
  - type: Overlay
    url: overlays/cynergy-bank-payment-initiation-overlay.yaml
  - type: Documentation
    url: https://developer.openbanking.cynergybank.co.uk/
  - type: Documentation
    url: https://www.cynergybank.co.uk/support/open-banking
  - type: APIReference
    url: https://developer.openbanking.cynergybank.co.uk/
- aid: cynergy-bank:cynergy-bank-confirmation-of-funds-api
  name: Cynergy Bank Confirmation of Funds API (CBPII)
  description: Cynergy Bank's implementation of the OBIE Read/Write Confirmation of Funds (CBPII) API, allowing regulated
    Card Based Payment Instrument Issuers to confirm whether sufficient funds are available on a customer account with the
    customer's consent. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA). The harvested OpenAPI is the shared OBIE Read/Write standard
    the interface conforms to, not a Cynergy-proprietary contract.
  humanURL: https://developer.openbanking.cynergybank.co.uk/
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/cynergy-bank-confirmation-of-funds-obie-standard-openapi.yaml
  - type: Overlay
    url: overlays/cynergy-bank-confirmation-of-funds-overlay.yaml
  - type: Documentation
    url: https://developer.openbanking.cynergybank.co.uk/
  - type: Documentation
    url: https://www.cynergybank.co.uk/support/open-banking
  - type: APIReference
    url: https://developer.openbanking.cynergybank.co.uk/
common:
- type: AgenticAccess
  url: agentic-access/cynergy-bank-agentic-access.yml
- type: Conventions
  url: conventions/cynergy-bank-conventions.yml
- type: Idempotency
  url: conventions/cynergy-bank-conventions.yml
- type: ErrorCatalog
  url: errors/cynergy-bank-problem-types.yml
- type: Conformance
  url: conformance/cynergy-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/cynergy-bank-lifecycle.yml
- type: DataModel
  url: data-model/cynergy-bank-data-model.yml
- type: LLMsTxt
  url: llms/cynergy-bank-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: MCPServer
  url: mcp/cynergy-bank-mcp.yml
- type: ToolCrosswalk
  url: mcp/cynergy-bank-tool-crosswalk.yml
- type: DomainSecurity
  url: security/cynergy-bank-domain-security.yml
- type: OAuthScopes
  url: scopes/cynergy-bank-scopes.yml
- type: Authentication
  url: authentication/cynergy-bank-authentication.yml
- type: Website
  url: https://www.cynergybank.co.uk/
- type: DeveloperPortal
  url: https://developer.openbanking.cynergybank.co.uk/
- type: Documentation
  url: https://www.cynergybank.co.uk/support/open-banking
- type: LinkedIn
  url: https://uk.linkedin.com/company/cynergy-bank
- type: Support
  url: https://www.cynergybank.co.uk/support/
- type: PrivacyPolicy
  url: https://www.cynergybank.co.uk/privacy-policy
- type: TermsOfService
  url: https://www.cynergybank.co.uk/privacy-policy/legal-cynergy-bank
- type: DocumentLibrary
  url: https://www.cynergybank.co.uk/document-library
- type: Security
  url: https://www.cynergybank.co.uk/support/security-and-fraud/information-security
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Cynergy Bank

Kin Score

APIs 3

Cynergy Bank Account & Transaction Information API (AIS)

Cynergy Bank Payment Initiation API (PIS)

Cynergy Bank Confirmation of Funds API (CBPII)

MCP Servers 1

cynergy-bank-mcp.yml

Security Posture 2

Cynergy Bank Authentication

Cynergy Bank Domain Security