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 Open Data ATM Locator API, Open Data Branch Locator API, Open Data Personal Current Accounts 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 18 more developer resources.

🌐 Visit website 📡 Source on GitHub

46.1/100 developing ▬ flat Agent 60/100 agent ready Full breakdown ↓
scored 2026-07-27 · rubric v0.5

9 APIs 1 MCP Servers

Financial ServicesBankingOpen BankingPSD2OBIECMA9United KingdomPaymentsAccount InformationOpen Data

Kin Score

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

Composite quality — 46.1/100 · developing

Contract Quality 9.4 / 25

Developer Ergonomics 13.0 / 20

Commercial Clarity 5.8 / 20

Operational Transparency 0.7 / 13

Governance 0.0 / 12

Discoverability 10.0 / 10

Agent readiness — 60/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 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/halifax: 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 9

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.

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

MCPServer

MCPServer

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 1

Properties that don't map to a standard resource type

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.'
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
created: '2026-07-23'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: halifax:halifax-open-data-atm-locator-api
  name: Halifax Open Data ATM Locator API
  description: Public, unauthenticated OBIE Open Data API returning the location and details of every Halifax cashpoint (ATM)
    in the UK. Confirmed live (HTTP 200, JSON) at the v2.2 base.
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  baseURL: https://api.halifax.co.uk/open-banking/v2.2/atms
  tags:
  - Open Data
  - ATM
  - Locator
  properties:
  - type: OpenAPI
    url: openapi/openbanking-opendata-standard-swagger.json
  - 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
- aid: halifax:halifax-open-data-branch-locator-api
  name: Halifax Open Data Branch Locator API
  description: Public, unauthenticated OBIE Open Data API returning a directory of all Halifax branches in the UK. Confirmed
    live (HTTP 200, JSON) at the v2.2 base.
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  baseURL: https://api.halifax.co.uk/open-banking/v2.2/branches
  tags:
  - Open Data
  - Branch
  - Locator
  properties:
  - type: OpenAPI
    url: openapi/openbanking-opendata-standard-swagger.json
  - 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/branchlocator/branch-locator.html
- aid: halifax:halifax-open-data-personal-current-accounts-api
  name: Halifax Open Data Personal Current Accounts API
  description: Public, unauthenticated OBIE Open Data API publishing personal current account product reference data. Confirmed
    live (HTTP 200, JSON) at the v2.2 base.
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  baseURL: https://api.halifax.co.uk/open-banking/v2.2/personal-current-accounts
  tags:
  - Open Data
  - Personal Current Accounts
  - Products
  properties:
  - type: OpenAPI
    url: openapi/openbanking-opendata-standard-swagger.json
  - 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/pca/pca.html
- aid: halifax:halifax-open-data-business-current-accounts-api
  name: Halifax Open Data Business Current Accounts API
  description: Public, unauthenticated OBIE Open Data API publishing business current account product reference data. Confirmed
    live (HTTP 200, JSON) at the v2.2 base.
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  baseURL: https://api.halifax.co.uk/open-banking/v2.2/business-current-accounts
  tags:
  - Open Data
  - Business Current Accounts
  - Products
  properties:
  - type: OpenAPI
    url: openapi/openbanking-opendata-standard-swagger.json
  - 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/bca/bca.html
- aid: halifax:halifax-open-data-unsecured-sme-loans-api
  name: Halifax Open Data Unsecured SME Loans API
  description: Public, unauthenticated OBIE Open Data API publishing unsecured SME loan product reference data. Confirmed
    live (HTTP 200, JSON) at the v2.2 base.
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  baseURL: https://api.halifax.co.uk/open-banking/v2.2/unsecured-sme-loans
  tags:
  - Open Data
  - SME Loans
  - Products
  properties:
  - type: OpenAPI
    url: openapi/openbanking-opendata-standard-swagger.json
  - 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/unsecuredsmeloans/unsecured-sme-loans.html
- aid: halifax:halifax-open-data-commercial-credit-cards-api
  name: Halifax Open Data Commercial Credit Cards API
  description: Public, unauthenticated OBIE Open Data API publishing commercial credit card product reference data. Confirmed
    live (HTTP 200, JSON) at the v2.2 base.
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax
  baseURL: https://api.halifax.co.uk/open-banking/v2.2/commercial-credit-cards
  tags:
  - Open Data
  - Commercial Credit Cards
  - Products
  properties:
  - type: OpenAPI
    url: openapi/openbanking-opendata-standard-swagger.json
  - 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/ccc/ccc.html
- 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
common:
- 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: MCPServer
  url: mcp/halifax-mcp.yml
- 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

Halifax

Kin Score

APIs 9

Halifax Open Data ATM Locator API

Halifax Open Data Branch Locator API

Halifax Open Data Personal Current Accounts API

Halifax Open Data Business Current Accounts API

Halifax Open Data Unsecured SME Loans API

Halifax Open Data Commercial Credit Cards API

Halifax Account and Transaction Information API (AIS)

Halifax Payment Initiation API (PIS)

Halifax Confirmation of Funds API (CBPII)