# Hampden & Co

**Canonical:** https://apis.io/providers/hampden-and-co/  
**Website:** https://www.hampdenbank.com/  
**APIs profiled:** 4

Hampden & Co (trading as Hampden Bank since March 2024) is an independent UK private bank headquartered at 20/21 Charlotte Square, Edinburgh, with offices in London and Manchester, serving high-net-worth individuals, their families, and their businesses with day-to-day banking, deposits, and specialist lending. Incorporated in 2010 as "Scoban" and launched in 2015, it was the first newly created UK private bank in three decades; it is a shareholder-owned public limited company (SC386922) - not a mutual or building society - backed by cornerstone shareholders and hundreds of smaller investors, and passed £1 billion in deposits in 2025. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. Although not one of the CMA9 mandated banks, Hampden & Co is an FCA-authorised ASPSP registered with the Open Banking Implementation Entity (OBIE) and exposes a PSD2 dedicated interface: an Open Data reference API plus the OBIE Read/Write family (Account & Transaction Information, Payment Initiation, and Confirmation of Funds), onboarded through a developer sandbox portal and secured with FAPI-grade OAuth2/OIDC, mutual-TLS, PSD2 strong customer authentication, and eIDAS/OBIE certificate-based dynamic client registration.

## Kin Score — 45.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 45.1).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 55.9 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 28.0 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

Regulatory layer — **Banking & Open Finance**: 77.2 (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 |

## Access

TPP onboarding · eIDAS/OBIE certificates required — onboarding: unknown, pricing: unknown, trial: no (confidence: medium).

## APIs (4)

- **Hampden & Co Open Data API** — Public, unauthenticated Open Data reference API conforming to the OBIE UK Open Banking Open Data standard (product reference data such as personal and business current accounts)...
- **Hampden & Co Account & Transaction Information API** — OBIE Read/Write Account Information Service (AIS) - accounts, balances, transactions, beneficiaries, standing orders, direct debits, statements, and parties - as a FAPI-secured ...
- **Hampden & Co Payment Initiation API** — OBIE Read/Write Payment Initiation Service (PIS) - domestic, scheduled, standing-order, international, and file payments - as a FAPI-secured PSD2 dedicated interface. The harves...
- **Hampden & Co Confirmation of Funds API** — OBIE Read/Write Confirmation of Funds Service (CBPII) allowing an authorised card-based payment instrument issuer to confirm the availability of funds, as a FAPI-secured PSD2 de...

## MCP servers (1)

- **Hampden & Co MCP Server**

## Agentic access (1)

- **Hampden And Co Agentic Access** — 74 operations · 20 acting

## Security (2)

- **Hampden And Co Authentication** — oauth2 · 2 schemes
- **Hampden And Co Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, Private Banking, Open Banking, PSD2, OBIE, FAPI, United Kingdom, Payments, Account Information

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