Kroo

Kroo Bank Ltd is a UK app-based challenger bank, founded in 2016 and granted a full UK banking licence by the PRA/FCA in 2021 (restrictions lifted in 2022), that launched its digital-only personal current account in December 2022. Independent and venture-backed rather than mutual or part of a larger group, Kroo offers a fee-free everyday current account, interest-paying balances and "Kroo Pots", fee-free spending abroad, and FSCS deposit protection up to GBP 85,000. As an FCA-authorised ASPSP under PSD2, Kroo is a regulated Open Banking provider (though not one of the nine CMA9-mandated banks and, as a branchless digital bank, it publishes no Open Data reference APIs for ATMs or branches). It exposes the UK Open Banking Implementation Entity (OBIE) Read/Write API family - Account and Transaction Information, Payment Initiation, and Confirmation of Funds - through a Banfico-hosted developer portal at developer.kroo.banfico.io, secured with FAPI-grade OAuth2/OIDC, PSD2 strong customer authentication implemented as a CIBA decoupled (poll-mode) flow, and mutual-TLS client authentication using OBIE/eIDAS certificates, validated with the OpenID Foundation conformance suite.

Kroo publishes 28 API contracts indexed on the APIs.io network, including Account Access Consents API, Accounts API, Balances API, and 25 more. Tagged areas include Financial Services, Banking, Open Banking, PSD2, and OBIE.

The Kroo catalog on APIs.io includes 1 Spectral governance ruleset.

Kroo’s developer surface includes authentication, documentation, engineering blog, support, and 26 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

39.1/100 thin ▬ flat Agent 37/100 agent ready Front door AI 1/6 silent Heartbeat 26/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

3 published contracts 2 Agent Skills

Financial Services Banking Open Banking PSD2 OBIE FAPI United Kingdom Payments Account Information Challenger Bank Fintech

What this lets a business do 4

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Domestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled PaymentsDomestic Standing Order ConsentsDomestic Standing Orders

POST /domestic-payments POST /domestic-payment-consents GET /domestic-payment-consents/{ConsentId}/funds-confirmation POST /international-payments

Banking Customer Management

BC-1300

Account Access ConsentsParties

GET /accounts/{AccountId}/party POST /account-access-consents DELETE /account-access-consents/{ConsentId}

Banking Product Management

BC-1310

Products

GET /products

Deposits & Savings Management

BC-1330

Accounts

GET /accounts

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 39.1/100 · thin

Contract Quality 9.2 / 19

Developer Ergonomics 5.6 / 15

Access Clarity 3.2 / 15

Operational Transparency 2.6 / 10

Contract Governance 1.6 / 9

Discoverability 5.2 / 8

Regulatory Posture 6.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 37/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 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 7 / 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 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too

5 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 21.1 — up to +15.8 composite points
Contract Quality scores 49.0 — up to +12.8 composite points
Developer Ergonomics scores 37.5 — up to +12.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/kroo/apis.yml: open an issue on github.com/api-evangelist/kroo to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	38.3 (thin)	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	regulated	38.3 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 4

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

FAPI

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Open Banking Standard

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 28

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

Kroo Account Access Consents API

The Account Access Consents API from Kroo — 2 operation(s) for account access consents.

Kroo Accounts API

The Accounts API from Kroo — 2 operation(s) for accounts.

Kroo Balances API

The Balances API from Kroo — 2 operation(s) for balances.

Kroo Beneficiaries API

The Beneficiaries API from Kroo — 2 operation(s) for beneficiaries.

Kroo Direct Debits API

The Direct Debits API from Kroo — 2 operation(s) for direct debits.

Kroo Domestic Payment Consents API

The Domestic Payment Consents API from Kroo — 3 operation(s) for domestic payment consents.

Kroo Domestic Payments API

The Domestic Payments API from Kroo — 3 operation(s) for domestic payments.

Kroo Domestic Scheduled Payment Consents API

The Domestic Scheduled Payment Consents API from Kroo — 2 operation(s) for domestic scheduled payment consents.

Kroo Domestic Scheduled Payments API

The Domestic Scheduled Payments API from Kroo — 3 operation(s) for domestic scheduled payments.

Kroo Domestic Standing Order Consents API

The Domestic Standing Order Consents API from Kroo — 2 operation(s) for domestic standing order consents.

Kroo Domestic Standing Orders API

The Domestic Standing Orders API from Kroo — 3 operation(s) for domestic standing orders.

Kroo File Payment Consents API

The File Payment Consents API from Kroo — 3 operation(s) for file payment consents.

Kroo File Payments API

The File Payments API from Kroo — 4 operation(s) for file payments.

Kroo Funds Confirmation Consents API

The Funds Confirmation Consents API from Kroo — 2 operation(s) for funds confirmation consents.

Kroo Funds Confirmations API

The Funds Confirmations API from Kroo — 1 operation(s) for funds confirmations.

Kroo International Payment Consents API

The International Payment Consents API from Kroo — 3 operation(s) for international payment consents.

Kroo International Payments API

The International Payments API from Kroo — 3 operation(s) for international payments.

Kroo International Scheduled Payments API

The International Scheduled Payments API from Kroo — 3 operation(s) for international scheduled payments.

Kroo International Scheduled Payments Consents API

The International Scheduled Payments Consents API from Kroo — 3 operation(s) for international scheduled payments consents.

Kroo International Standing Orders API

The International Standing Orders API from Kroo — 3 operation(s) for international standing orders.

Kroo International Standing Orders Consents API

The International Standing Orders Consents API from Kroo — 2 operation(s) for international standing orders consents.

Kroo Offers API

The Offers API from Kroo — 2 operation(s) for offers.

Kroo Parties API

The Parties API from Kroo — 3 operation(s) for parties.

Kroo Products API

The Products API from Kroo — 2 operation(s) for products.

Kroo Scheduled Payments API

The Scheduled Payments API from Kroo — 2 operation(s) for scheduled payments.

Kroo Standing Orders API

The Standing Orders API from Kroo — 2 operation(s) for standing orders.

Kroo Statements API

The Statements API from Kroo — 5 operation(s) for statements.

Kroo Transactions API

The Transactions API from Kroo — 2 operation(s) for transactions.

Scroll for all 28

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Retrieve Kroo account data with an AIS consent

AGENT SKILL

Initiate a Kroo domestic payment (PIS)

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Kroo API Rules

59 rules · 53 errors 5 warnings 1 info

SPECTRAL

OpenAPI Overlays 3

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Kroo Account Info Overlay

2 actions · update · obie-account-info-openapi.yaml

DERIVED

Kroo Confirmation Funds Overlay

2 actions · update · obie-confirmation-funds-openapi.yaml

DERIVED

Kroo Payment Initiation Overlay

2 actions · update · obie-payment-initiation-openapi.yaml

DERIVED

Security Posture 3

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

Kroo Authentication

oauth2 · 2 schemes

SECURITY

Kroo Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Kroo Vulnerability Disclosure

security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Kroo Scopes

3 scopes · clientCredentials/authorizationCode

3 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Kroo Agentic Access

74 operations · 20 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

WellKnown

WellKnown

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Access & Security 6

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

OAuthScopes

Authentication

SecurityTxt

Security

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 4

Properties that don't map to a standard resource type

CapabilityMap

Overlay

Overlay

Overlay

Source (apis.yml)

aid: kroo
url: https://raw.githubusercontent.com/api-evangelist/kroo/refs/heads/main/apis.yml
name: Kroo
kind: company
description: Kroo Bank Ltd is a UK app-based challenger bank, founded in 2016 and granted a full UK banking licence by the
  PRA/FCA in 2021 (restrictions lifted in 2022), that launched its digital-only personal current account in December 2022.
  Independent and venture-backed rather than mutual or part of a larger group, Kroo offers a fee-free everyday current account,
  interest-paying balances and "Kroo Pots", fee-free spending abroad, and FSCS deposit protection up to GBP 85,000. As an
  FCA-authorised ASPSP under PSD2, Kroo is a regulated Open Banking provider (though not one of the nine CMA9-mandated banks
  and, as a branchless digital bank, it publishes no Open Data reference APIs for ATMs or branches). It exposes the UK Open
  Banking Implementation Entity (OBIE) Read/Write API family - Account and Transaction Information, Payment Initiation, and
  Confirmation of Funds - through a Banfico-hosted developer portal at developer.kroo.banfico.io, secured with FAPI-grade
  OAuth2/OIDC, PSD2 strong customer authentication implemented as a CIBA decoupled (poll-mode) flow, and mutual-TLS client
  authentication using OBIE/eIDAS certificates, validated with the OpenID Foundation conformance suite.
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
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- FAPI
- United Kingdom
- Payments
- Account Information
- Challenger Bank
- Fintech
tags_raw:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- FAPI
- United Kingdom
- Payments
- Account Information
- Challenger Bank
- Fintech
- Financial-Services
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: kroo:kroo-account-access-consents-api
  name: Kroo Account Access Consents API
  description: The Account Access Consents API from Kroo — 2 operation(s) for account access consents.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Account Access Consents
  properties:
  - type: OpenAPI
    url: openapi/kroo-account-access-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-accounts-api
  name: Kroo Accounts API
  description: The Accounts API from Kroo — 2 operation(s) for accounts.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/kroo-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-balances-api
  name: Kroo Balances API
  description: The Balances API from Kroo — 2 operation(s) for balances.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/kroo-balances-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-beneficiaries-api
  name: Kroo Beneficiaries API
  description: The Beneficiaries API from Kroo — 2 operation(s) for beneficiaries.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/kroo-beneficiaries-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-direct-debits-api
  name: Kroo Direct Debits API
  description: The Direct Debits API from Kroo — 2 operation(s) for direct debits.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/kroo-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-domestic-payment-consents-api
  name: Kroo Domestic Payment Consents API
  description: The Domestic Payment Consents API from Kroo — 3 operation(s) for domestic payment consents.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Domestic Payment Consents
  properties:
  - type: OpenAPI
    url: openapi/kroo-domestic-payment-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-domestic-payments-api
  name: Kroo Domestic Payments API
  description: The Domestic Payments API from Kroo — 3 operation(s) for domestic payments.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Domestic Payments
  properties:
  - type: OpenAPI
    url: openapi/kroo-domestic-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-domestic-scheduled-payment-consents-api
  name: Kroo Domestic Scheduled Payment Consents API
  description: The Domestic Scheduled Payment Consents API from Kroo — 2 operation(s) for domestic scheduled payment consents.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Domestic Scheduled Payment Consents
  properties:
  - type: OpenAPI
    url: openapi/kroo-domestic-scheduled-payment-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-domestic-scheduled-payments-api
  name: Kroo Domestic Scheduled Payments API
  description: The Domestic Scheduled Payments API from Kroo — 3 operation(s) for domestic scheduled payments.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Domestic Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/kroo-domestic-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-domestic-standing-order-consents-api
  name: Kroo Domestic Standing Order Consents API
  description: The Domestic Standing Order Consents API from Kroo — 2 operation(s) for domestic standing order consents.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Domestic Standing Order Consents
  properties:
  - type: OpenAPI
    url: openapi/kroo-domestic-standing-order-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-domestic-standing-orders-api
  name: Kroo Domestic Standing Orders API
  description: The Domestic Standing Orders API from Kroo — 3 operation(s) for domestic standing orders.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Domestic Standing Orders
  properties:
  - type: OpenAPI
    url: openapi/kroo-domestic-standing-orders-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-file-payment-consents-api
  name: Kroo File Payment Consents API
  description: The File Payment Consents API from Kroo — 3 operation(s) for file payment consents.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - File Payment Consents
  properties:
  - type: OpenAPI
    url: openapi/kroo-file-payment-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-file-payments-api
  name: Kroo File Payments API
  description: The File Payments API from Kroo — 4 operation(s) for file payments.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - File Payments
  properties:
  - type: OpenAPI
    url: openapi/kroo-file-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-funds-confirmation-consents-api
  name: Kroo Funds Confirmation Consents API
  description: The Funds Confirmation Consents API from Kroo — 2 operation(s) for funds confirmation consents.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Funds Confirmation Consents
  properties:
  - type: OpenAPI
    url: openapi/kroo-funds-confirmation-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-funds-confirmations-api
  name: Kroo Funds Confirmations API
  description: The Funds Confirmations API from Kroo — 1 operation(s) for funds confirmations.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Funds Confirmations
  properties:
  - type: OpenAPI
    url: openapi/kroo-funds-confirmations-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-international-payment-consents-api
  name: Kroo International Payment Consents API
  description: The International Payment Consents API from Kroo — 3 operation(s) for international payment consents.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - International Payment Consents
  properties:
  - type: OpenAPI
    url: openapi/kroo-international-payment-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-international-payments-api
  name: Kroo International Payments API
  description: The International Payments API from Kroo — 3 operation(s) for international payments.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - International Payments
  properties:
  - type: OpenAPI
    url: openapi/kroo-international-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-international-scheduled-payments-api
  name: Kroo International Scheduled Payments API
  description: The International Scheduled Payments API from Kroo — 3 operation(s) for international scheduled payments.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - International Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/kroo-international-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-international-scheduled-payments-consents-api
  name: Kroo International Scheduled Payments Consents API
  description: The International Scheduled Payments Consents API from Kroo — 3 operation(s) for international scheduled payments
    consents.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - International Scheduled Payments Consents
  properties:
  - type: OpenAPI
    url: openapi/kroo-international-scheduled-payments-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-international-standing-orders-api
  name: Kroo International Standing Orders API
  description: The International Standing Orders API from Kroo — 3 operation(s) for international standing orders.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - International Standing Orders
  properties:
  - type: OpenAPI
    url: openapi/kroo-international-standing-orders-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-international-standing-orders-consents-api
  name: Kroo International Standing Orders Consents API
  description: The International Standing Orders Consents API from Kroo — 2 operation(s) for international standing orders
    consents.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - International Standing Orders Consents
  properties:
  - type: OpenAPI
    url: openapi/kroo-international-standing-orders-consents-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-offers-api
  name: Kroo Offers API
  description: The Offers API from Kroo — 2 operation(s) for offers.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Offers
  properties:
  - type: OpenAPI
    url: openapi/kroo-offers-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-parties-api
  name: Kroo Parties API
  description: The Parties API from Kroo — 3 operation(s) for parties.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Parties
  properties:
  - type: OpenAPI
    url: openapi/kroo-parties-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-products-api
  name: Kroo Products API
  description: The Products API from Kroo — 2 operation(s) for products.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Product
  tags_raw:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/kroo-products-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-scheduled-payments-api
  name: Kroo Scheduled Payments API
  description: The Scheduled Payments API from Kroo — 2 operation(s) for scheduled payments.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/kroo-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-standing-orders-api
  name: Kroo Standing Orders API
  description: The Standing Orders API from Kroo — 2 operation(s) for standing orders.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Standing Orders
  properties:
  - type: OpenAPI
    url: openapi/kroo-standing-orders-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-statements-api
  name: Kroo Statements API
  description: The Statements API from Kroo — 5 operation(s) for statements.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Statements
  properties:
  - type: OpenAPI
    url: openapi/kroo-statements-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
- aid: kroo:kroo-transactions-api
  name: Kroo Transactions API
  description: The Transactions API from Kroo — 2 operation(s) for transactions.
  humanURL: https://developer.kroo.banfico.io/
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/kroo-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.kroo.banfico.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Documentation
    url: https://kroo.com/blog/open-banking-at-kroo
common:
- type: CapabilityMap
  url: capabilities/kroo-capability-edges.yml
  name: Kroo Business Capability Map
- type: Overlay
  url: overlays/kroo-account-info-overlay.yaml
- type: Overlay
  url: overlays/kroo-payment-initiation-overlay.yaml
- type: Overlay
  url: overlays/kroo-confirmation-funds-overlay.yaml
- type: AgenticAccess
  url: agentic-access/kroo-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/kroo-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/kroo-domain-security.yml
- type: OAuthScopes
  url: scopes/kroo-scopes.yml
- type: Authentication
  url: authentication/kroo-authentication.yml
- type: Website
  url: https://www.kroo.com/
- type: DeveloperPortal
  url: https://developer.kroo.banfico.io/
- type: Documentation
  url: https://kroo.com/open-banking-performance
- type: StatusPage
  url: https://status.kroo.com/
- type: Blog
  url: https://www.kroo.com/blog
- type: Support
  url: https://www.kroo.com/support-is-here
- type: TermsOfService
  url: https://www.kroo.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.kroo.com/privacy-notices
- type: LinkedIn
  url: https://www.linkedin.com/company/kroobank
- type: SecurityTxt
  url: well-known/kroo-security.txt
- type: WellKnown
  url: well-known/kroo-well-known.yml
- type: Security
  url: https://kroo.com/.well-known/security.txt
- type: Conventions
  url: conventions/kroo-conventions.yml
- type: Idempotency
  url: conventions/kroo-conventions.yml
- type: ErrorCatalog
  url: errors/kroo-problem-types.yml
- type: Lifecycle
  url: lifecycle/kroo-lifecycle.yml
- type: Conformance
  url: conformance/kroo-conformance.yml
- type: DataModel
  url: data-model/kroo-data-model.yml
- type: LLMsTxt
  url: llms/kroo-llms.txt
- type: X-MCPServerCandidate
  url: mcp/kroo-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: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Kroo API — frequently asked questions

Does Kroo have an API?

Yes. APIs.io lists 28 APIs from Kroo, including Kroo Account Access Consents API, Kroo Accounts API and Kroo Balances API, and 25 more.

Is there an OpenAPI specification for the Kroo API?

Yes. APIs.io indexes 28 OpenAPI specifications for Kroo, each linked for download from this page.

How do I authenticate with the Kroo API?

Kroo documents its authentication (oauth2 · 2 schemes). The details are profiled on APIs.io as Kroo Authentication.

Is the Kroo API ready for AI agents?

Kroo has a Kin Score of 39.1 out of 100 (thin) and an Agent Readiness score of 36.8 (agent-ready), scored by API Evangelist on 2026-11-06.

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