Kroo

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.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: TPP onboarding · FAPI-secured
  confidence: medium
  source:
  - authentication
  generated: '2026-07-23'
  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
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: kroo:kroo-account-information-api
  name: Kroo Account and Transaction Information API
  description: Kroo's PSD2 Account Information Service (AIS) dedicated interface, conformant to the OBIE Read/Write Account
    and Transaction API Standard. Lets FCA-authorised AISP third parties retrieve, with customer consent, account details,
    balances, transactions, beneficiaries, standing orders, direct debits, scheduled payments, and statements. FAPI-secured
    (OAuth2/OIDC + mTLS + PSD2 SCA via CIBA); access requires TPP onboarding through the Kroo developer portal.
  humanURL: https://developer.kroo.banfico.io/
  baseURL: ''
  tags:
  - Account Information
  - AIS
  - Open Banking
  - OBIE
  properties:
  - type: OpenAPI
    url: openapi/obie-account-info-openapi.yaml
  - 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
  - type: Overlay
    url: overlays/kroo-account-info-overlay.yaml
- aid: kroo:kroo-payment-initiation-api
  name: Kroo Payment Initiation API
  description: Kroo's PSD2 Payment Initiation Service (PIS) dedicated interface, conformant to the OBIE Read/Write Payment
    Initiation API Standard. Lets FCA-authorised PISP third parties initiate domestic payments, scheduled payments, standing
    orders, and file payments from a customer's Kroo current account with their consent. FAPI-secured (OAuth2/OIDC + mTLS
    + PSD2 SCA via CIBA); access requires TPP onboarding through the Kroo developer portal.
  humanURL: https://developer.kroo.banfico.io/
  baseURL: ''
  tags:
  - Payment Initiation
  - PIS
  - Open Banking
  - OBIE
  properties:
  - type: OpenAPI
    url: openapi/obie-payment-initiation-openapi.yaml
  - 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
  - type: Overlay
    url: overlays/kroo-payment-initiation-overlay.yaml
- aid: kroo:kroo-confirmation-of-funds-api
  name: Kroo Confirmation of Funds API
  description: Kroo's PSD2 Confirmation of Funds Service (CBPII) dedicated interface, conformant to the OBIE Read/Write Confirmation
    of Funds API Standard. Lets FCA-authorised CBPII third parties confirm, with customer consent, whether a specified amount
    is available on a Kroo account without disclosing the balance. FAPI-secured (OAuth2/OIDC + mTLS + PSD2 SCA via CIBA);
    access requires TPP onboarding through the Kroo developer portal.
  humanURL: https://developer.kroo.banfico.io/
  baseURL: ''
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  - OBIE
  properties:
  - type: OpenAPI
    url: openapi/obie-confirmation-funds-openapi.yaml
  - 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
  - type: Overlay
    url: overlays/kroo-confirmation-funds-overlay.yaml
common:
- 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: MCPServer
  url: mcp/kroo-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com