# Handelsbanken UK

**Canonical:** https://apis.io/providers/handelsbanken-uk/  
**Website:** https://www.handelsbanken.co.uk/en/  
**APIs profiled:** 7

Handelsbanken UK (Handelsbanken plc) is the UK relationship bank of Svenska Handelsbanken AB (publ), the Swedish banking group, and operates a decentralised network of over 200 local branches serving personal and business customers across Britain. Incorporated as a wholly-owned UK subsidiary and authorised by the Prudential Regulation Authority and regulated by the FCA and PRA (Financial Services Register number 806852, authorised since 2018), it is a full-service home-market bank rather than one of the CMA9-mandated institutions. Handelsbanken meets its UK Open Banking / PSD2 obligations through the group developer portal at developer.handelsbanken.com, where its Great Britain market APIs - Account Information (AIS), Card Account Information, Payment Initiation (PIS), and Confirmation of Funds - are published to the Berlin Group NextGenPSD2 standard rather than the OBIE Read/Write standard used by the CMA9. Third-party providers enrol against the production gateway at api.handelsbanken.com using a PSD2 eIDAS (QWAC/QSEALC) or UK Open Banking (OBWAC) certificate, with OAuth2 client authentication, mutual-TLS, and PSD2 strong customer authentication, and can test against a sandbox before going live.

## Kin Score — 36.5 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 36.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 54.8 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

Regulatory layer — **Banking & Open Finance**: 55.7 (matched via tags).

## Agent readiness — 12.4 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (7)

- **Handelsbanken UK PSD2 Account Information API** — The Great Britain market Account Information Service (AIS) API - retrieve account details, balances, and transactions for consenting Handelsbanken UK customers. Published to the...
- **Handelsbanken UK PSD2 Card Account Information API** — The Great Britain market Card Account Information (AIS) API - retrieve card account details, balances, and card transactions for consenting customers, to the Berlin Group NextGe...
- **Handelsbanken UK PSD2 Payment Initiation API** — The Great Britain market Payment Initiation Service (PIS) API - initiate and manage payments from consenting Handelsbanken UK customer accounts, to the Berlin Group NextGenPSD2 ...
- **Handelsbanken UK PSD2 Confirmation of Funds API** — The Great Britain market Confirmation of Funds (CBPII / PIISP) API - check whether a specified amount is available on a consenting customer account, to the Berlin Group NextGenP...
- **Handelsbanken UK PSD2 Third-Parties API** — TPP enrolment API - register as a third-party provider and attach a PSD2 eIDAS (QWAC) or UK Open Banking (OBWAC) certificate to access live data on the production gateway. POST/...
- **Handelsbanken UK Premium Accounts API** — First-party premium (beyond-PSD2) Accounts API documented on the Handelsbanken developer portal for commercial account data access outside the regulated Open Banking mandate.
- **Handelsbanken UK Premium FX API** — First-party premium (beyond-PSD2) Foreign Exchange API documented on the Handelsbanken developer portal for commercial FX rate and transaction services outside the regulated Ope...

## Security (2)

- **Handelsbanken Uk Authentication** — oauth2/mutualTLS · 4 schemes
- **Handelsbanken Uk Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Banking, Open Banking, Financial-Services, PSD2, Berlin Group, NextGenPSD2, Payments, Account Information, United Kingdom, Fintech

---

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