# GB Bank

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

GB Bank Limited is a UK challenger bank headquartered in Middlesbrough (2 Centre Square) with a London office (73 Brook Street, Mayfair). Wholly owned and privately backed rather than a mutual building society, it secured its full UK banking licence in 2022 and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA (Financial Services Register number 850286). GB Bank funds SME regional property developers and investors with development finance, buy-to-let and bridging loans (typically between £26k and £5m across underserved UK regions) and funds that lending with retail deposits - fixed-rate bonds, notice accounts and easy-access savings accounts protected by the FSCS up to £85,000, managed through an online portal and a GB Bank mobile app. As a small, non-CMA9 FCA-authorised bank focused on savings and secured lending, GB Bank does not operate a public developer portal or a documented UK Open Banking (OBIE / PSD2) API surface; the Open Banking API families listed here are represented as the shared industry standard the bank would conform to as an FCA-authorised ASPSP, and are unverified for GB Bank pending a confirmed developer portal or Open Data endpoint.

## Kin Score — 36.1 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 36.1).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 51.2 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 81.0 (matched via tags).

## Agent readiness — 39.3 (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 | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (4)

- **GB Bank Account and Transaction Information API (AIS)** — UK Open Banking Read/Write Account & Transaction Information API (AISP) - the OBIE standard for accessing account, balance, transaction and statement data with customer consent....
- **GB Bank Payment Initiation API (PIS)** — UK Open Banking Read/Write Payment Initiation API (PISP) - the OBIE standard for initiating domestic, scheduled, standing-order, international and file payments with customer co...
- **GB Bank Confirmation of Funds API (CBPII)** — UK Open Banking Read/Write Confirmation of Funds API (CBPII) - the OBIE standard for confirming whether funds are available on a payment account with customer consent. FAPI-secu...
- **GB Bank Open Data API** — GB Bank Open Data API from GB Bank — 6 path(s) described in OpenAPI.

## Agentic access (1)

- **Gb Bank Agentic Access** — 86 operations · 20 acting

## Security (2)

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

## Tags

Financial-Services, Banking, Open Banking, PSD2, OBIE, United Kingdom, Payments, Account Information, Savings, Property Finance, SME Lending, Fintech

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