# Lloyds Banking Group

**Canonical:** https://apis.io/providers/lloyds-banking-group/  
**Website:** https://www.lloydsbankinggroup.com/  
**APIs profiled:** 6

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.

## Kin Score — 42.3 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 42.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 61.1 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 56.5 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 65.8 (matched via tags).

## Agent readiness — 45.5 (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 | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (6)

- **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...

## Agentic access (1)

- **Lloyds Banking Group Agentic Access** — 95 operations · 26 acting

## Security (2)

- **Lloyds Banking Group Authentication** — oauth2 · 2 schemes
- **Lloyds Banking Group Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Financial-Services, Banking, Open Banking, PSD2, OBIE, CMA9, United Kingdom, Payments, Account Information, Open Data, FAPI

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