Halifax

Halifax is a major British high-street banking brand serving personal and business customers with current accounts, savings, mortgages, credit cards, loans, and insurance. It operates as a trading division of Bank of Scotland plc, a wholly owned subsidiary of Lloyds Banking Group, and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. As one of the UK Open Banking CMA9 mandated ASPSPs, Halifax publishes the full Open Banking Implementation Entity (OBIE) API surface: a set of PUBLIC, unauthenticated Open Data APIs (ATM and branch locators plus personal current account, business current account, unsecured SME loan, and commercial credit card product reference data) served live at api.halifax.co.uk, and the FAPI-secured OBIE Read/Write APIs for Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII). Read/Write access is delivered through the shared Lloyds Banking Group Developer Portal that also covers the Lloyds Bank and Bank of Scotland brands, secured with OAuth2/OIDC, PSD2 strong customer authentication, mutual-TLS, and OBIE/eIDAS certificates.

Halifax publishes 6 APIs on the APIs.io network, including ATM API, BCA API, Branch API, and 3 more. Tagged areas include Financial-Services, Banking, Open Banking, PSD2, and OBIE.

Halifax’s developer surface includes documentation, support, getting-started guide, authentication, sandbox, and 19 more developer resources.

🌐 Visit website 📡 Source on GitHub

38.1/100 thin ▬ flat Agent 22/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

1 APIs

Financial-Services Banking Open Banking PSD2 OBIE CMA9 United Kingdom Payments Account Information Open Data

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 38.1/100 · thin

Contract Quality 6.9 / 21

Developer Ergonomics 9.6 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.6 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 8.6 / 15

Agent readiness — 22/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 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 0 / 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 4 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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 does not apply to this provider. The published contracts declare no write operations, and a read-only API cannot create-or-update. The facet is excluded from this provider's denominator entirely — not scored zero. A reference or data API is not deficient for being unable to upsert.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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 github.com/api-evangelist/halifax: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 9

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

Halifax Account and Transaction Information API (AIS)

OBIE Read/Write Account and Transaction Information (AIS) API for authorised AISPs. FAPI-secured (OAuth2/OIDC, PSD2 SCA, mTLS, OBIE/eIDAS certificates); onboarded via the Lloyds...

Halifax Payment Initiation API (PIS)

OBIE Read/Write Payment Initiation (PIS) API for authorised PISPs. FAPI-secured (OAuth2/OIDC, PSD2 SCA, mTLS, OBIE/eIDAS certificates); onboarded via the Lloyds Banking Group De...

Halifax Confirmation of Funds API (CBPII)

OBIE Read/Write Confirmation of Funds (CBPII) API for authorised CBPIIs. FAPI-secured (OAuth2/OIDC, PSD2 SCA, mTLS, OBIE/eIDAS certificates); onboarded via the Lloyds Banking Gr...

Halifax ATM API

Endpoint for getting ATM data

Halifax BCA API

Endpoint for getting Business Current Account data

Halifax Branch API

Endpoint for getting Branch data

Halifax CCC API

Endpoint for getting Commercial Credit Card data

Halifax PCA API

Endpoint for getting Personal Current Account data

Halifax SME API

Endpoint for getting Unsecured SME Loan data

Scroll for all 9

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Open Data API

OPEN COLLECTION

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Halifax Authentication

none/oauth2/mutualTLS · 4 schemes

SECURITY

Halifax Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Halifax Scopes

4 scopes · clientCredentials/authorizationCode

4 scopes

SCOPES

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

OAuthScopes

Compliance

Operate 2

Status, limits, changes, and where to get help

Support

Support

Roadmap

Roadmap

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 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: halifax
url: https://raw.githubusercontent.com/api-evangelist/halifax/refs/heads/main/apis.yml
name: Halifax
kind: company
description: 'Halifax is a major British high-street banking brand serving personal and business customers with current accounts,
  savings, mortgages, credit cards, loans, and insurance. It operates as a trading division of Bank of Scotland plc, a wholly
  owned subsidiary of Lloyds Banking Group, and is authorised by the Prudential Regulation Authority and regulated by the
  Financial Conduct Authority and the PRA. As one of the UK Open Banking CMA9 mandated ASPSPs, Halifax publishes the full
  Open Banking Implementation Entity (OBIE) API surface: a set of PUBLIC, unauthenticated Open Data APIs (ATM and branch locators
  plus personal current account, business current account, unsecured SME loan, and commercial credit card product reference
  data) served live at api.halifax.co.uk, and the FAPI-secured OBIE Read/Write APIs for Account and Transaction Information
  (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII). Read/Write access is delivered through the shared Lloyds
  Banking Group Developer Portal that also covers the Lloyds Bank and Bank of Scotland brands, secured with OAuth2/OIDC, PSD2
  strong customer authentication, mutual-TLS, and OBIE/eIDAS certificates.'
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: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - scopes
  - security
  - sandbox
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Open Banking
- PSD2
- OBIE
- CMA9
- United Kingdom
- Payments
- Account Information
- Open Data
tags_raw:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- CMA9
- United Kingdom
- Payments
- Account Information
- Open Data
created: '2026-07-23'
modified: '2026-07-24'
specificationVersion: '0.23'
apis:
- aid: halifax:halifax-account-transaction-information-api
  name: Halifax Account and Transaction Information API (AIS)
  description: OBIE Read/Write Account and Transaction Information (AIS) API for authorised AISPs. FAPI-secured (OAuth2/OIDC,
    PSD2 SCA, mTLS, OBIE/eIDAS certificates); onboarded via the Lloyds Banking Group Developer Portal. Base path follows the
    OBIE Read/Write v3.1 standard on the confirmed api.halifax.co.uk host; not independently verified (authentication-gated).
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/read-write
  baseURL: https://api.halifax.co.uk/open-banking/v3.1/aisp
  tags:
  - Open Banking
  - Account Information
  - AIS
  - Read/Write
  properties:
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/read-write
  - type: APIReference
    url: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/account-and-transaction-api-profile.html
- aid: halifax:halifax-payment-initiation-api
  name: Halifax Payment Initiation API (PIS)
  description: OBIE Read/Write Payment Initiation (PIS) API for authorised PISPs. FAPI-secured (OAuth2/OIDC, PSD2 SCA, mTLS,
    OBIE/eIDAS certificates); onboarded via the Lloyds Banking Group Developer Portal. Base path follows the OBIE Read/Write
    v3.1 standard on the confirmed api.halifax.co.uk host; not independently verified (authentication-gated).
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/read-write
  baseURL: https://api.halifax.co.uk/open-banking/v3.1/pisp
  tags:
  - Open Banking
  - Payment Initiation
  - PIS
  - Read/Write
  properties:
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/read-write
  - type: APIReference
    url: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/payment-initiation-api-profile.html
- aid: halifax:halifax-confirmation-of-funds-api
  name: Halifax Confirmation of Funds API (CBPII)
  description: OBIE Read/Write Confirmation of Funds (CBPII) API for authorised CBPIIs. FAPI-secured (OAuth2/OIDC, PSD2 SCA,
    mTLS, OBIE/eIDAS certificates); onboarded via the Lloyds Banking Group Developer Portal. Base path follows the OBIE Read/Write
    v3.1 standard on the confirmed api.halifax.co.uk host; not independently verified (authentication-gated).
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/read-write
  baseURL: https://api.halifax.co.uk/open-banking/v3.1/cbpii
  tags:
  - Open Banking
  - Confirmation of Funds
  - CBPII
  - Read/Write
  properties:
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/read-write
  - type: APIReference
    url: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/confirmation-of-funds-api-profile.html
- aid: halifax:halifax-atm-api
  name: Halifax ATM API
  description: Endpoint for getting ATM data
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  baseURL: https://api.halifax.co.uk/open-banking/v2.2/atms
  tags:
  - ATM
  properties:
  - type: OpenAPI
    url: openapi/halifax-atm-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atm-locator/atm-locator.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/branchlocator/branch-locator.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/pca/pca.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/bca/bca.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/unsecuredsmeloans/unsecured-sme-loans.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/ccc/ccc.html
- aid: halifax:halifax-bca-api
  name: Halifax BCA API
  description: Endpoint for getting Business Current Account data
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  baseURL: https://api.halifax.co.uk/open-banking/v2.2/atms
  tags:
  - BCA
  properties:
  - type: OpenAPI
    url: openapi/halifax-bca-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atm-locator/atm-locator.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/branchlocator/branch-locator.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/pca/pca.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/bca/bca.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/unsecuredsmeloans/unsecured-sme-loans.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/ccc/ccc.html
- aid: halifax:halifax-branch-api
  name: Halifax Branch API
  description: Endpoint for getting Branch data
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  baseURL: https://api.halifax.co.uk/open-banking/v2.2/atms
  tags:
  - Branch
  properties:
  - type: OpenAPI
    url: openapi/halifax-branch-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atm-locator/atm-locator.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/branchlocator/branch-locator.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/pca/pca.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/bca/bca.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/unsecuredsmeloans/unsecured-sme-loans.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/ccc/ccc.html
- aid: halifax:halifax-ccc-api
  name: Halifax CCC API
  description: Endpoint for getting Commercial Credit Card data
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  baseURL: https://api.halifax.co.uk/open-banking/v2.2/atms
  tags:
  - CCC
  properties:
  - type: OpenAPI
    url: openapi/halifax-ccc-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atm-locator/atm-locator.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/branchlocator/branch-locator.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/pca/pca.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/bca/bca.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/unsecuredsmeloans/unsecured-sme-loans.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/ccc/ccc.html
- aid: halifax:halifax-pca-api
  name: Halifax PCA API
  description: Endpoint for getting Personal Current Account data
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  baseURL: https://api.halifax.co.uk/open-banking/v2.2/atms
  tags:
  - PCA
  properties:
  - type: OpenAPI
    url: openapi/halifax-pca-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atm-locator/atm-locator.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/branchlocator/branch-locator.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/pca/pca.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/bca/bca.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/unsecuredsmeloans/unsecured-sme-loans.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/ccc/ccc.html
- aid: halifax:halifax-sme-api
  name: Halifax SME API
  description: Endpoint for getting Unsecured SME Loan data
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  baseURL: https://api.halifax.co.uk/open-banking/v2.2/atms
  tags:
  - SME
  properties:
  - type: OpenAPI
    url: openapi/halifax-sme-api-openapi.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atm-locator/atm-locator.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/branchlocator/branch-locator.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/pca/pca.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/bca/bca.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/unsecuredsmeloans/unsecured-sme-loans.html
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/ccc/ccc.html
common:
- type: CapabilityMap
  url: capabilities/halifax-capability-edges.yml
  name: Halifax Business Capability Map
- type: DomainSecurity
  url: security/halifax-domain-security.yml
- type: Website
  url: https://www.halifax.co.uk/
- type: DeveloperPortal
  url: https://developer.lloydsbanking.com/
- type: Documentation
  url: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
- type: Support
  url: https://developer.lloydsbanking.com/prod01/lbg/lbg-support
- type: LinkedIn
  url: https://www.linkedin.com/company/halifax
- type: TermsOfService
  url: https://www.halifax.co.uk/aboutonline/legal-information.html
- type: PrivacyPolicy
  url: https://www.halifax.co.uk/aboutonline/security-and-privacy.html
- type: GettingStarted
  url: https://developer.lloydsbanking.com/prod01/lbg/get-started
- type: Roadmap
  url: https://developer.lloydsbanking.com/prod01/lbg/home
- type: Authentication
  url: authentication/halifax-authentication.yml
- type: OAuthScopes
  url: scopes/halifax-scopes.yml
- type: Conventions
  url: conventions/halifax-conventions.yml
- type: Idempotency
  url: conventions/halifax-conventions.yml
- type: ErrorCatalog
  url: errors/halifax-problem-types.yml
- type: Lifecycle
  url: lifecycle/halifax-lifecycle.yml
- type: Conformance
  url: conformance/halifax-conformance.yml
- type: Compliance
  url: conformance/halifax-conformance.yml
- type: Sandbox
  url: sandbox/halifax-sandbox.yml
- type: X-MCPServerCandidate
  url: mcp/halifax-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: Overlay
  url: overlays/halifax-opendata-overlay.yaml
- type: LLMsTxt
  url: llms/halifax-llms.txt
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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