# Kroo

**Canonical:** https://apis.io/providers/kroo/  
**Website:** https://www.kroo.com/  
**APIs profiled:** 3

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.

## Kin Score — 44.6 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 44.6).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 55.9 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 30.4 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 68.4 (matched via tags).

## Agent readiness — 42.9 (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 | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

TPP onboarding · FAPI-secured — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (3)

- **Kroo Account and Transaction Information API** — 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...
- **Kroo Payment Initiation API** — 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 initi...
- **Kroo Confirmation of Funds API** — 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 part...

## MCP servers (1)

- **Kroo MCP Server**

## Agentic access (1)

- **Kroo Agentic Access** — 74 operations · 20 acting

## Security (3)

- **Kroo Authentication** — oauth2 · 2 schemes
- **Kroo Domain Security** — TLSv1.3 · HSTS · DMARC
- **Kroo Vulnerability Disclosure** — security.txt · contact published

## Tags

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

---

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