first direct

first direct is a telephone- and internet-based retail bank and a division of HSBC UK Bank plc, headquartered in Leeds, England and launched in 1989. It offers personal current accounts, savings, credit cards, loans, mortgages and insurance to UK consumers with a reputation for customer service, operating with no physical branches of its own. As an HSBC brand, first direct participates in the UK Open Banking regime under HSBC UK - one of the nine CMA9 banks mandated by the Competition and Markets Authority - and is regulated by the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA). Its Open Banking surfaces conform to the Open Banking Implementation Entity (OBIE / Open Banking Limited) standards - a public, unauthenticated Open Data API (personal current account product reference data, ATM and branch locators, published on the shared HSBC api.hsbc.com host where "first direct" appears as a distinct brand) and the FAPI-secured OBIE Read/Write APIs - Account and Transaction Information (AIS), Payment Initiation (PIS) and Confirmation of Funds (CBPII) - onboarded and documented through HSBC's developer portal at develop.hsbc.com, which serves the HSBC UK, first direct and M&S Bank brands.

first direct publishes 34 API contracts indexed on the APIs.io network, including Account Access Consents API, Accounts API, ATM API, and 31 more. Tagged areas include Financial Services, Banking, Open Banking, PSD2, and OBIE.

The first direct catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

first direct’s developer surface includes authentication, changelog, sandbox, getting-started guide, signup flow, documentation, support, and 33 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

54.5/100 strong ▬ flat Agent 36/100 agent ready Front door AI 2/6 trace saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

4 published contracts 3 Agent Skills

Financial Services Banking Open Banking PSD2 OBIE United Kingdom Payments Account Information Open DataHSBCFintech

What this lets a business do 4

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Direct DebitsDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled PaymentsDomestic Standing Order Consents

POST /domestic-payments POST /domestic-payment-consents GET /domestic-payment-consents/{ConsentId}/funds-confirmation POST /domestic-scheduled-payments

Personal Finance & Consumer Money

AE-190

Account Access ConsentsAccountsBalancesBeneficiariesStatementsTransactions

POST /account-access-consents GET /accounts GET /accounts/{AccountId}/balances GET /accounts/{AccountId}/transactions

Banking Customer Management

BC-1300

ATMBranchParties

GET /accounts/{AccountId}/party GET /atms GET /branches

Banking Product Management

BC-1310

Products

GET /products

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 54.5/100 · strong

Contract Quality 11.3 / 19

Developer Ergonomics 10.3 / 15

Access Clarity 5.1 / 15

Operational Transparency 3.6 / 10

Contract Governance 2.0 / 9

Discoverability 5.9 / 8

Regulatory Posture 7.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 36/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 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 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 34.2 — up to +13.2 composite points
Contract Quality scores 60.5 — up to +9.9 composite points
Contract Governance scores 22.0 — up to +9.4 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/first-direct/apis.yml: open an issue on github.com/api-evangelist/first-direct to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
EU/EEA Payment and E-Money Institutions (PSD2 passports)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 5

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Open Banking Standard

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

OpenID Connect

measured — observed by APIs.io (declared)

Mutual TLS

measured — observed by APIs.io (declared)

APIs 34

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

first direct Account Access Consents API

The Account Access Consents API from first direct — 2 operation(s) for account access consents.

first direct Accounts API

The Accounts API from first direct — 2 operation(s) for accounts.

first direct ATM API

Endpoint for getting ATM data

first direct Balances API

The Balances API from first direct — 2 operation(s) for balances.

first direct BCA API

Endpoint for getting Business Current Account data

first direct Beneficiaries API

The Beneficiaries API from first direct — 2 operation(s) for beneficiaries.

first direct Branch API

Endpoint for getting Branch data

first direct CCC API

Endpoint for getting Commercial Credit Card data

first direct Debits API

The Direct Debits API from first direct — 2 operation(s) for direct debits.

first direct Domestic Payment Consents API

The Domestic Payment Consents API from first direct — 3 operation(s) for domestic payment consents.

first direct Domestic Payments API

The Domestic Payments API from first direct — 3 operation(s) for domestic payments.

first direct Domestic Scheduled Payment Consents API

The Domestic Scheduled Payment Consents API from first direct — 2 operation(s) for domestic scheduled payment consents.

first direct Domestic Scheduled Payments API

The Domestic Scheduled Payments API from first direct — 3 operation(s) for domestic scheduled payments.

first direct Domestic Standing Order Consents API

The Domestic Standing Order Consents API from first direct — 2 operation(s) for domestic standing order consents.

first direct Domestic Standing Orders API

The Domestic Standing Orders API from first direct — 3 operation(s) for domestic standing orders.

first direct File Payment Consents API

The File Payment Consents API from first direct — 3 operation(s) for file payment consents.

first direct File Payments API

The File Payments API from first direct — 4 operation(s) for file payments.

first direct Funds Confirmation Consents API

The Funds Confirmation Consents API from first direct — 2 operation(s) for funds confirmation consents.

first direct Funds Confirmations API

The Funds Confirmations API from first direct — 1 operation(s) for funds confirmations.

first direct International Payment Consents API

The International Payment Consents API from first direct — 3 operation(s) for international payment consents.

first direct International Payments API

The International Payments API from first direct — 3 operation(s) for international payments.

first direct International Scheduled Payments API

The International Scheduled Payments API from first direct — 3 operation(s) for international scheduled payments.

first direct International Scheduled Payments Consents API

The International Scheduled Payments Consents API from first direct — 3 operation(s) for international scheduled payments consents.

first direct International Standing Orders API

The International Standing Orders API from first direct — 3 operation(s) for international standing orders.

first direct International Standing Orders Consents API

The International Standing Orders Consents API from first direct — 2 operation(s) for international standing orders consents.

first direct Offers API

The Offers API from first direct — 2 operation(s) for offers.

first direct Parties API

The Parties API from first direct — 3 operation(s) for parties.

first direct PCA API

Endpoint for getting Personal Current Account data

first direct Products API

The Products API from first direct — 2 operation(s) for products.

first direct Scheduled Payments API

The Scheduled Payments API from first direct — 2 operation(s) for scheduled payments.

first direct SME API

Endpoint for getting Unsecured SME Loan data

first direct Standing Orders API

The Standing Orders API from first direct — 2 operation(s) for standing orders.

first direct Statements API

The Statements API from first direct — 5 operation(s) for statements.

first direct Transactions API

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

first direct API Rules

69 rules · 54 errors 7 warnings 8 info

SPECTRAL

OpenAPI Overlays 4

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

First Direct Obie Account Info Overlay

1 action · update · obie-account-info-openapi.yaml

DERIVED

First Direct Obie Confirmation Funds Overlay

1 action · update · obie-confirmation-funds-openapi.yaml

DERIVED

First Direct Obie Opendata Overlay

1 action · update · obie-opendata-openapi.json

DERIVED

First Direct Obie Payment Initiation Overlay

1 action · update · obie-payment-initiation-openapi.yaml

DERIVED

OAuth scopes governing access to this provider's APIs.

First Direct Scopes

3 scopes · clientCredentials/authorizationCode

3 scopes

SCOPES

Agentic Access 1

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

First Direct Agentic Access

86 operations · 20 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox

GettingStarted

SignUp

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

AgenticAccess

WellKnown

AgentSkill

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Conventions

Idempotency

ErrorCatalog

Conformance

Lifecycle

DataModel

Scroll for all 9

Build 2

SDKs, sample code, and the tooling you integrate with

Postman

Postman

GitHubOrganization

GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

OAuthScopes

OAuthScopes

Authentication

Authentication

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

Operate 3

Status, limits, changes, and where to get help

Deprecation

Deprecation

ChangeLog

ChangeLog

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 8

Properties that don't map to a standard resource type

Hosts

Vendors

CapabilityMap

Overlay

Overlay

Overlay

Overlay

OpenBanking

Scroll for all 8

Source (apis.yml)

aid: first-direct
url: https://raw.githubusercontent.com/api-evangelist/first-direct/refs/heads/main/apis.yml
name: first direct
kind: company
description: first direct is a telephone- and internet-based retail bank and a division of HSBC UK Bank plc, headquartered
  in Leeds, England and launched in 1989. It offers personal current accounts, savings, credit cards, loans, mortgages and
  insurance to UK consumers with a reputation for customer service, operating with no physical branches of its own. As an
  HSBC brand, first direct participates in the UK Open Banking regime under HSBC UK - one of the nine CMA9 banks mandated
  by the Competition and Markets Authority - and is regulated by the Financial Conduct Authority (FCA) and Prudential Regulation
  Authority (PRA). Its Open Banking surfaces conform to the Open Banking Implementation Entity (OBIE / Open Banking Limited)
  standards - a public, unauthenticated Open Data API (personal current account product reference data, ATM and branch locators,
  published on the shared HSBC api.hsbc.com host where "first direct" appears as a distinct brand) and the FAPI-secured OBIE
  Read/Write APIs - Account and Transaction Information (AIS), Payment Initiation (PIS) and Confirmation of Funds (CBPII)
  - onboarded and documented through HSBC's developer portal at develop.hsbc.com, which serves the HSBC UK, first direct and
  M&S Bank brands.
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: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
x-docs-platform: swagger-ui
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-03
tags:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- Open Data
- HSBC
- Fintech
tags_raw:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- Open Data
- HSBC
- Fintech
- Financial-Services
created: '2026-07-23'
modified: '2026-09-16'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Spectral
  url: rules/first-direct-rules.yml
- type: JSONLD
  url: json-ld/first-direct-context.jsonld
- type: Vocabulary
  url: vocabulary/first-direct-vocabulary.yml
- type: Hosts
  url: hosts/first-direct-hosts.yml
- type: Vendors
  url: vendors/first-direct-vendors.yml
- type: CapabilityMap
  url: capabilities/first-direct-capability-edges.yml
  name: first direct Business Capability Map
- type: X-MCPServerCandidate
  url: mcp/first-direct-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgenticAccess
  url: agentic-access/first-direct-agentic-access.yml
- type: DomainSecurity
  url: security/first-direct-domain-security.yml
- type: OAuthScopes
  url: scopes/first-direct-scopes.yml
- type: Authentication
  url: authentication/first-direct-authentication.yml
- type: Conventions
  url: conventions/first-direct-conventions.yml
- type: Idempotency
  url: conventions/first-direct-conventions.yml
- type: ErrorCatalog
  url: errors/first-direct-problem-types.yml
- type: Conformance
  url: conformance/first-direct-conformance.yml
- type: Lifecycle
  url: lifecycle/first-direct-lifecycle.yml
- type: Deprecation
  url: https://standards.openbanking.org.uk/operational-guidelines/change-and-communication-management/
- type: ChangeLog
  url: changelog/first-direct-changelog.yml
- type: DataModel
  url: data-model/first-direct-data-model.yml
- type: Sandbox
  url: sandbox/first-direct-sandbox.yml
- type: Postman
  url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
- type: WellKnown
  url: well-known/first-direct-well-known.yml
- type: VulnerabilityDisclosure
  url: security/first-direct-vulnerability-disclosure.yml
- type: Security
  url: https://www.hsbc.com/.well-known/security.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  url: overlays/first-direct-obie-account-info-overlay.yaml
- type: Overlay
  url: overlays/first-direct-obie-payment-initiation-overlay.yaml
- type: Overlay
  url: overlays/first-direct-obie-confirmation-funds-overlay.yaml
- type: Overlay
  url: overlays/first-direct-obie-opendata-overlay.yaml
- type: GettingStarted
  url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
- type: SignUp
  url: https://develop.hsbc.com/
- type: Website
  url: https://www.firstdirect.com/
- type: DeveloperPortal
  url: https://develop.hsbc.com/
- type: Documentation
  url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
- type: OpenBanking
  url: https://www.firstdirect.com/ways-to-bank/open-banking/
- type: GitHubOrganization
  url: https://github.com/hsbc
- type: LinkedIn
  url: https://www.linkedin.com/company/first-direct
- type: Support
  url: https://www.firstdirect.com/help/
- type: TermsOfService
  url: https://www.firstdirect.com/legals/terms-and-conditions/
- type: PrivacyPolicy
  url: https://www.firstdirect.com/privacy/
apis:
- aid: first-direct:first-direct-account-access-consents-api
  name: first direct Account Access Consents API
  description: The Account Access Consents API from first direct — 2 operation(s) for account access consents.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Account Access Consents
  properties:
  - type: OpenAPI
    url: openapi/first-direct-account-access-consents-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obread-consent1-schema.json
- aid: first-direct:first-direct-accounts-api
  name: first direct Accounts API
  description: The Accounts API from first direct — 2 operation(s) for accounts.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/first-direct-accounts-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-atm-api
  name: first direct ATM API
  description: Endpoint for getting ATM data
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - ATM
  properties:
  - type: OpenAPI
    url: openapi/first-direct-atm-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-balances-api
  name: first direct Balances API
  description: The Balances API from first direct — 2 operation(s) for balances.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/first-direct-balances-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-bca-api
  name: first direct BCA API
  description: Endpoint for getting Business Current Account data
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - BCA
  properties:
  - type: OpenAPI
    url: openapi/first-direct-bca-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-beneficiaries-api
  name: first direct Beneficiaries API
  description: The Beneficiaries API from first direct — 2 operation(s) for beneficiaries.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/first-direct-beneficiaries-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-branch-api
  name: first direct Branch API
  description: Endpoint for getting Branch data
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Branch
  properties:
  - type: OpenAPI
    url: openapi/first-direct-branch-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-ccc-api
  name: first direct CCC API
  description: Endpoint for getting Commercial Credit Card data
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - CCC
  properties:
  - type: OpenAPI
    url: openapi/first-direct-ccc-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-direct-debits-api
  name: first direct Debits API
  description: The Direct Debits API from first direct — 2 operation(s) for direct debits.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/first-direct-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-domestic-payment-consents-api
  name: first direct Domestic Payment Consents API
  description: The Domestic Payment Consents API from first direct — 3 operation(s) for domestic payment consents.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Domestic Payment Consents
  properties:
  - type: OpenAPI
    url: openapi/first-direct-domestic-payment-consents-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-domestic-consent4-schema.json
- aid: first-direct:first-direct-domestic-payments-api
  name: first direct Domestic Payments API
  description: The Domestic Payments API from first direct — 3 operation(s) for domestic payments.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Domestic Payments
  properties:
  - type: OpenAPI
    url: openapi/first-direct-domestic-payments-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-domestic2-schema.json
- aid: first-direct:first-direct-domestic-scheduled-payment-consents-api
  name: first direct Domestic Scheduled Payment Consents API
  description: The Domestic Scheduled Payment Consents API from first direct — 2 operation(s) for domestic scheduled payment
    consents.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Domestic Scheduled Payment Consents
  properties:
  - type: OpenAPI
    url: openapi/first-direct-domestic-scheduled-payment-consents-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-domestic-scheduled-consent4-schema.json
- aid: first-direct:first-direct-domestic-scheduled-payments-api
  name: first direct Domestic Scheduled Payments API
  description: The Domestic Scheduled Payments API from first direct — 3 operation(s) for domestic scheduled payments.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Domestic Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/first-direct-domestic-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-domestic-scheduled2-schema.json
- aid: first-direct:first-direct-domestic-standing-order-consents-api
  name: first direct Domestic Standing Order Consents API
  description: The Domestic Standing Order Consents API from first direct — 2 operation(s) for domestic standing order consents.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Domestic Standing Order Consents
  properties:
  - type: OpenAPI
    url: openapi/first-direct-domestic-standing-order-consents-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-domestic-standing-order-consent5-schema.json
- aid: first-direct:first-direct-domestic-standing-orders-api
  name: first direct Domestic Standing Orders API
  description: The Domestic Standing Orders API from first direct — 3 operation(s) for domestic standing orders.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Domestic Standing Orders
  properties:
  - type: OpenAPI
    url: openapi/first-direct-domestic-standing-orders-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-domestic-standing-order3-schema.json
- aid: first-direct:first-direct-file-payment-consents-api
  name: first direct File Payment Consents API
  description: The File Payment Consents API from first direct — 3 operation(s) for file payment consents.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - File Payment Consents
  properties:
  - type: OpenAPI
    url: openapi/first-direct-file-payment-consents-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-file-consent3-schema.json
  - type: JSONSchema
    url: json-schema/first-direct-file-schema.json
- aid: first-direct:first-direct-file-payments-api
  name: first direct File Payments API
  description: The File Payments API from first direct — 4 operation(s) for file payments.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - File Payments
  properties:
  - type: OpenAPI
    url: openapi/first-direct-file-payments-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-file2-schema.json
- aid: first-direct:first-direct-funds-confirmation-consents-api
  name: first direct Funds Confirmation Consents API
  description: The Funds Confirmation Consents API from first direct — 2 operation(s) for funds confirmation consents.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Funds Confirmation Consents
  properties:
  - type: OpenAPI
    url: openapi/first-direct-funds-confirmation-consents-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obfunds-confirmation-consent1-schema.json
- aid: first-direct:first-direct-funds-confirmations-api
  name: first direct Funds Confirmations API
  description: The Funds Confirmations API from first direct — 1 operation(s) for funds confirmations.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Funds Confirmations
  properties:
  - type: OpenAPI
    url: openapi/first-direct-funds-confirmations-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obfunds-confirmation1-schema.json
- aid: first-direct:first-direct-international-payment-consents-api
  name: first direct International Payment Consents API
  description: The International Payment Consents API from first direct — 3 operation(s) for international payment consents.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - International Payment Consents
  properties:
  - type: OpenAPI
    url: openapi/first-direct-international-payment-consents-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-international-consent5-schema.json
- aid: first-direct:first-direct-international-payments-api
  name: first direct International Payments API
  description: The International Payments API from first direct — 3 operation(s) for international payments.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - International Payments
  properties:
  - type: OpenAPI
    url: openapi/first-direct-international-payments-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-international3-schema.json
- aid: first-direct:first-direct-international-scheduled-payments-api
  name: first direct International Scheduled Payments API
  description: The International Scheduled Payments API from first direct — 3 operation(s) for international scheduled payments.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - International Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/first-direct-international-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-international-scheduled3-schema.json
- aid: first-direct:first-direct-international-scheduled-payments-consents-api
  name: first direct International Scheduled Payments Consents API
  description: The International Scheduled Payments Consents API from first direct — 3 operation(s) for international scheduled
    payments consents.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - International Scheduled Payments Consents
  properties:
  - type: OpenAPI
    url: openapi/first-direct-international-scheduled-payments-consents-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-international-scheduled-consent5-schema.json
- aid: first-direct:first-direct-international-standing-orders-api
  name: first direct International Standing Orders API
  description: The International Standing Orders API from first direct — 3 operation(s) for international standing orders.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - International Standing Orders
  properties:
  - type: OpenAPI
    url: openapi/first-direct-international-standing-orders-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-international-standing-order4-schema.json
- aid: first-direct:first-direct-international-standing-orders-consents-api
  name: first direct International Standing Orders Consents API
  description: The International Standing Orders Consents API from first direct — 2 operation(s) for international standing
    orders consents.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - International Standing Orders Consents
  properties:
  - type: OpenAPI
    url: openapi/first-direct-international-standing-orders-consents-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
  - type: JSONSchema
    url: json-schema/first-direct-obwrite-international-standing-order-consent6-schema.json
- aid: first-direct:first-direct-offers-api
  name: first direct Offers API
  description: The Offers API from first direct — 2 operation(s) for offers.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Offers
  properties:
  - type: OpenAPI
    url: openapi/first-direct-offers-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-parties-api
  name: first direct Parties API
  description: The Parties API from first direct — 3 operation(s) for parties.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Parties
  properties:
  - type: OpenAPI
    url: openapi/first-direct-parties-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-pca-api
  name: first direct PCA API
  description: Endpoint for getting Personal Current Account data
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - PCA
  properties:
  - type: OpenAPI
    url: openapi/first-direct-pca-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-products-api
  name: first direct Products API
  description: The Products API from first direct — 2 operation(s) for products.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Product
  tags_raw:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/first-direct-products-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-scheduled-payments-api
  name: first direct Scheduled Payments API
  description: The Scheduled Payments API from first direct — 2 operation(s) for scheduled payments.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/first-direct-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-sme-api
  name: first direct SME API
  description: Endpoint for getting Unsecured SME Loan data
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Small Business
  tags_raw:
  - SME
  properties:
  - type: OpenAPI
    url: openapi/first-direct-sme-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-standing-orders-api
  name: first direct Standing Orders API
  description: The Standing Orders API from first direct — 2 operation(s) for standing orders.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Standing Orders
  properties:
  - type: OpenAPI
    url: openapi/first-direct-standing-orders-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-statements-api
  name: first direct Statements API
  description: The Statements API from first direct — 5 operation(s) for statements.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Statements
  properties:
  - type: OpenAPI
    url: openapi/first-direct-statements-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/
- aid: first-direct:first-direct-transactions-api
  name: first direct Transactions API
  description: The Transactions API from first direct — 2 operation(s) for transactions.
  humanURL: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  baseURL: https://api.hsbc.com/open-banking/v2.2
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/first-direct-transactions-api-openapi.yml
  - type: Documentation
    url: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
  - type: APIReference
    url: https://api.hsbc.com/open-banking/v2.2/personal-current-accounts
  - type: APIReference
    url: https://develop.hsbc.com/

first direct API — frequently asked questions

Does first direct have an API?

Yes. APIs.io lists 34 APIs from first direct, including first direct Account Access Consents API, first direct Accounts API and first direct ATM API, and 31 more.

Is there an OpenAPI specification for the first direct API?

Yes. APIs.io indexes 34 OpenAPI specifications for first direct, each linked for download from this page.

How do I authenticate with the first direct API?

first direct documents its authentication (oauth2/openIdConnect/mutualTLS · 2 schemes). The details are profiled on APIs.io as First Direct Authentication.

Is the first direct API ready for AI agents?

first direct has a Kin Score of 54.5 out of 100 (strong) and an Agent Readiness score of 35.5 (agent-ready), scored by API Evangelist on 2026-11-06.

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