# Cynergy Bank

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

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.

## Kin Score — 38.8 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 38.8).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 55.9 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 28.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 60.8 (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)

- **Cynergy Bank Account & Transaction Information API (AIS)** — Cynergy Bank's implementation of the OBIE Read/Write Account & Transaction Information (AISP) API, allowing FCA/EEA-regulated Account Information Service Providers to retrieve c...
- **Cynergy Bank Payment Initiation API (PIS)** — 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 sche...
- **Cynergy Bank Confirmation of Funds API (CBPII)** — 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 fu...

## MCP servers (1)

- **Cynergy Bank MCP Server**

## Agentic access (1)

- **Cynergy Bank Agentic Access** — 74 operations · 20 acting

## Security (2)

- **Cynergy Bank Authentication** — oauth2 · 2 schemes
- **Cynergy Bank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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