Lloyds Banking Group website screenshot

Lloyds Banking Group

Lloyds Banking Group plc is the United Kingdom's largest retail and commercial banking group, serving personal, business, and corporate customers through the Lloyds Bank, Halifax, Bank of Scotland, MBNA, and Scottish Widows brands. Formed in 2009 through the acquisition of HBOS by Lloyds TSB, it is a publicly listed company on the London Stock Exchange (LLOY) and a FTSE 100 constituent - not a mutual or building society. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. As one of the nine CMA-mandated banks (CMA9), Lloyds operates a public developer platform at developer.lloydsbanking.com that publishes UK Open Banking (OBIE / PSD2) APIs - unauthenticated Open Data reference APIs for ATMs, branches, and product information, plus the FAPI-secured Read/Write family - Account and Transaction Information (AIS), Payment Initiation (PIS), Confirmation of Funds (CBPII), Variable Recurring Payments (VRP), and Event Notifications - conformant to the Open Banking Implementation Entity (OBIE) Read/Write API Standard, secured with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication using OBIE/eIDAS certificates.

Lloyds Banking Group publishes 5 APIs on the APIs.io network, including Open Data API, Account and Transaction Information API, Payment Initiation API, and 2 more. Tagged areas include Financial Services, Banking, Open Banking, PSD2, and OBIE.

The Lloyds Banking Group catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Lloyds Banking Group’s developer surface includes authentication, getting-started guide, documentation, API reference, engineering blog, support, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
44.7/100 thin ▬ flat Agent 68/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
6 APIs
Financial ServicesBankingOpen BankingPSD2OBIECMA9United KingdomPaymentsAccount InformationOpen DataFAPI

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 44.7/100 · thin
Contract Quality 16.2 / 25
Developer Ergonomics 11.7 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 68/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
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 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/lloyds-banking-group: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 6

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

Lloyds Banking Group Open Data API

Public, unauthenticated UK Open Banking Open Data API exposing reference data - ATMs, branches, personal current accounts, business current accounts, unsecured SME loans, and co...

Lloyds Banking Group Account and Transaction Information API

OBIE Read/Write Account and Transaction Information (AIS) API for accessing account, balance, transaction, beneficiary, standing order, direct debit, and statement data with cus...

Lloyds Banking Group Payment Initiation API

OBIE Read/Write Payment Initiation (PIS) API for initiating domestic, scheduled, standing-order, international, and business bulk/batch payments with customer authorisation. FAP...

Lloyds Banking Group Confirmation of Funds API

OBIE Read/Write Confirmation of Funds (CBPII) API allowing an authorised card-based payment instrument issuer to check whether funds are available on a customer account. FAPI-se...

Lloyds Banking Group Variable Recurring Payments API

OBIE Variable Recurring Payments (VRP) profile API enabling consent-based recurring payments under a customer-agreed mandate, including sweeping between a customer's own account...

Lloyds Banking Group Event Notifications API

OBIE Event Notifications API delivering aggregated and real-time event signals (e.g. consent revocation, resource-update notifications) to registered TPPs. FAPI-secured; require...

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Lloyds Banking Group Event Notifications Webhooks

ASYNCAPI

Security Posture 2

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

Lloyds Banking Group Authentication

oauth2 · 2 schemes

SECURITY

Lloyds Banking Group Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Lloyds Banking Group Scopes

3 scopes · clientCredentials/authorizationCode

3 scopes

SCOPES

Agentic Access 1

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

Lloyds Banking Group Agentic Access

95 operations · 26 acting

95 operations · 26 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 Lifecycle
Lifecycle
 DataModel
DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 OAuthScopes
OAuthScopes
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Website
Website
 LinkedIn
LinkedIn
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: lloyds-banking-group
url: https://raw.githubusercontent.com/api-evangelist/lloyds-banking-group/refs/heads/main/apis.yml
name: Lloyds Banking Group
kind: company
description: Lloyds Banking Group plc is the United Kingdom's largest retail and commercial banking group, serving personal,
  business, and corporate customers through the Lloyds Bank, Halifax, Bank of Scotland, MBNA, and Scottish Widows brands.
  Formed in 2009 through the acquisition of HBOS by Lloyds TSB, it is a publicly listed company on the London Stock Exchange
  (LLOY) and a FTSE 100 constituent - not a mutual or building society. It is authorised by the Prudential Regulation Authority
  and regulated by the Financial Conduct Authority and the PRA. As one of the nine CMA-mandated banks (CMA9), Lloyds operates
  a public developer platform at developer.lloydsbanking.com that publishes UK Open Banking (OBIE / PSD2) APIs - unauthenticated
  Open Data reference APIs for ATMs, branches, and product information, plus the FAPI-secured Read/Write family - Account
  and Transaction Information (AIS), Payment Initiation (PIS), Confirmation of Funds (CBPII), Variable Recurring Payments
  (VRP), and Event Notifications - conformant to the Open Banking Implementation Entity (OBIE) Read/Write API Standard, secured
  with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication using OBIE/eIDAS certificates.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- CMA9
- United Kingdom
- Payments
- Account Information
- Open Data
- FAPI
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: lloyds-banking-group:open-data-api
  name: Lloyds Banking Group Open Data API
  description: Public, unauthenticated UK Open Banking Open Data API exposing reference data - ATMs, branches, personal current
    accounts, business current accounts, unsecured SME loans, and commercial credit cards - conformant to the OBIE Open Data
    standard. Confirmed live for the Lloyds Bank brand host on 2026-07-23 (HTTP 200), with equivalent hosts for the Halifax
    and Bank of Scotland brands.
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/opendata_lloyds
  baseURL: https://api.lloydsbank.com/open-banking/v2.2
  tags:
  - Open Data
  - ATMs
  - Branches
  - Products
  properties:
  - type: OpenAPI
    url: openapi/obie-opendata-swagger.json
  - type: Overlay
    url: overlays/lloyds-banking-group-opendata-overlay.yaml
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/opendata_lloyds
  - type: APIReference
    url: https://developer.lloydsbanking.com/prod01/lbg/products
- aid: lloyds-banking-group:account-information-api
  name: Lloyds Banking Group Account and Transaction Information API
  description: OBIE Read/Write Account and Transaction Information (AIS) API for accessing account, balance, transaction,
    beneficiary, standing order, direct debit, and statement data with customer consent. FAPI-secured (OAuth2/OIDC, mTLS,
    PSD2 SCA); requires developer-portal onboarding and Open Banking directory registration. Spec provenance is the shared
    OBIE Read/Write standard, not a Lloyds-proprietary contract.
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/products
  baseURL: https://api.lloydsbank.com/open-banking/v3.1
  tags:
  - Account Information
  - AIS
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/obie-account-info-openapi.yaml
  - type: Overlay
    url: overlays/lloyds-banking-group-account-info-overlay.yaml
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/get-started
  - type: APIReference
    url: https://developer.lloydsbanking.com/prod01/lbg/products
- aid: lloyds-banking-group:payment-initiation-api
  name: Lloyds Banking Group Payment Initiation API
  description: OBIE Read/Write Payment Initiation (PIS) API for initiating domestic, scheduled, standing-order, international,
    and business bulk/batch payments with customer authorisation. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA); requires developer-portal
    onboarding and Open Banking directory registration. Spec provenance is the shared OBIE Read/Write standard, not a Lloyds-proprietary
    contract.
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/products
  baseURL: https://api.lloydsbank.com/open-banking/v3.1
  tags:
  - Payment Initiation
  - PIS
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/obie-payment-initiation-openapi.yaml
  - type: Overlay
    url: overlays/lloyds-banking-group-payment-initiation-overlay.yaml
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/get-started
  - type: APIReference
    url: https://developer.lloydsbanking.com/prod01/lbg/products
- aid: lloyds-banking-group:confirmation-of-funds-api
  name: Lloyds Banking Group Confirmation of Funds API
  description: OBIE Read/Write Confirmation of Funds (CBPII) API allowing an authorised card-based payment instrument issuer
    to check whether funds are available on a customer account. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA); requires developer-portal
    onboarding and Open Banking directory registration. Spec provenance is the shared OBIE Read/Write standard, not a Lloyds-proprietary
    contract.
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/products
  baseURL: https://api.lloydsbank.com/open-banking/v3.1
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/obie-confirmation-funds-openapi.yaml
  - type: Overlay
    url: overlays/lloyds-banking-group-confirmation-funds-overlay.yaml
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/get-started
  - type: APIReference
    url: https://developer.lloydsbanking.com/prod01/lbg/products
- aid: lloyds-banking-group:variable-recurring-payments-api
  name: Lloyds Banking Group Variable Recurring Payments API
  description: OBIE Variable Recurring Payments (VRP) profile API enabling consent-based recurring payments under a customer-agreed
    mandate, including sweeping between a customer's own accounts. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA); requires developer-portal
    onboarding. Spec provenance is the shared OBIE VRP standard, not a Lloyds-proprietary contract.
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/products
  baseURL: https://api.lloydsbank.com/open-banking/v3.1
  tags:
  - Variable Recurring Payments
  - VRP
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/obie-vrp-openapi.yaml
  - type: Overlay
    url: overlays/lloyds-banking-group-vrp-overlay.yaml
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/get-started
  - type: APIReference
    url: https://developer.lloydsbanking.com/prod01/lbg/products
- aid: lloyds-banking-group:event-notifications-api
  name: Lloyds Banking Group Event Notifications API
  description: OBIE Event Notifications API delivering aggregated and real-time event signals (e.g. consent revocation, resource-update
    notifications) to registered TPPs. FAPI-secured; requires developer-portal onboarding. Documented as a product on the
    Lloyds Banking Group developer portal.
  humanURL: https://developer.lloydsbanking.com/prod01/lbg/products
  baseURL: https://api.lloydsbank.com/open-banking/v3.1
  tags:
  - Event Notifications
  - Events
  - Open Banking
  properties:
  - type: Webhooks
    url: asyncapi/lloyds-banking-group-event-notifications-webhooks.yml
  - type: Documentation
    url: https://developer.lloydsbanking.com/prod01/lbg/get-started
  - type: APIReference
    url: https://developer.lloydsbanking.com/prod01/lbg/products
common:
- type: DomainSecurity
  url: security/lloyds-banking-group-domain-security.yml
- type: AgenticAccess
  url: agentic-access/lloyds-banking-group-agentic-access.yml
- type: OAuthScopes
  url: scopes/lloyds-banking-group-scopes.yml
- type: Authentication
  url: authentication/lloyds-banking-group-authentication.yml
- type: Conventions
  url: conventions/lloyds-banking-group-conventions.yml
- type: Idempotency
  url: conventions/lloyds-banking-group-conventions.yml
- type: ErrorCatalog
  url: errors/lloyds-banking-group-problem-types.yml
- type: Conformance
  url: conformance/lloyds-banking-group-conformance.yml
- type: Lifecycle
  url: lifecycle/lloyds-banking-group-lifecycle.yml
- type: DataModel
  url: data-model/lloyds-banking-group-data-model.yml
- type: LLMsTxt
  url: llms/lloyds-banking-group-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://www.lloydsbankinggroup.com/
- type: DeveloperPortal
  url: https://developer.lloydsbanking.com/prod01/lbg/home
- type: GettingStarted
  url: https://developer.lloydsbanking.com/prod01/lbg/get-started
- type: Documentation
  url: https://developer.lloydsbanking.com/prod01/lbg/products
- type: APIReference
  url: https://developer.lloydsbanking.com/prod01/lbg/products
- type: GitHubOrganization
  url: https://github.com/LloydsBanking
- type: LinkedIn
  url: https://www.linkedin.com/company/lloyds-banking-group
- type: Blog
  url: https://www.lloydsbankinggroup.com/insights.html
- type: Support
  url: https://developer.lloydsbanking.com/prod01/lbg/support
- type: PrivacyPolicy
  url: https://www.lloydsbankinggroup.com/privacy.html
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com