M&T Bank website screenshot

M&T Bank

M&T Bank is a US super-regional bank holding company (M&T Bank Corporation, NYSE: MTB) headquartered in Buffalo, New York, operating through its national bank subsidiary Manufacturers and Traders Trust Company. With roughly $200 billion in assets it is one of the twenty largest US commercial banks, serving consumers, businesses, and institutional clients across the eastern United States, and it owns Wilmington Trust, its custody, fund-administration, and wealth arm. Unlike UK/AU open banking there is no single mandated contract in the US, so M&T's public API posture is split: it runs a real first-party Developer Portal / "API Store" at developer.mtb.com for institutional and wholesale clients (Banking & Treasury plus Wilmington Trust Custody APIs), gated behind Microsoft Entra login and Azure API Management subscription keys with per-product OpenAPI reference available only after authentication. Consumer-permissioned account data is shared through aggregators (Plaid) rather than a public first-party consumer API. No public FDX conformance or CFPB Section 1033 data-access API is documented on the portal at review time.

M&T Bank publishes 10 APIs on the APIs.io network. Tagged areas include Financial Services, Banking, United States, Super-Regional Bank, and Treasury Management.

M&T Bank’s developer surface includes documentation, getting-started guide, support, engineering blog, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
21.5/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
10 APIs
Financial ServicesBankingUnited StatesSuper-Regional BankTreasury ManagementPaymentsCustodyFund AccountingOpen FinanceData Aggregation

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 21.5/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 7.0 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 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/m-t-bank: 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 10

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

Payment Initiation API

Institutional payment initiation product listed in M&T's Banking and Treasury API group on the developer portal. Per-product reference is available after Entra login and Azure A...

Payment Status API

Payment status lookup product in the Banking and Treasury API group. Reference gated behind portal authentication.

Cash Activity API

Cash activity reporting product in the Banking and Treasury API group for treasury-management clients. Reference gated behind portal authentication.

Cash Projection API

Cash projection / forecasting product in the Banking and Treasury API group. Reference gated behind portal authentication.

Pending Transactions API

Pending transactions reporting product in the Banking and Treasury API group. Reference gated behind portal authentication.

Event Notification API

Event notification setup and subscription product enabling callback/webhook delivery with request signing, listed in the Banking and Treasury API group. Reference gated behind p...

Custody End of Day API

Wilmington Trust custody end-of-day product for institutional clients, listed in the portal's Custody API group. Reference gated behind portal authentication.

Fund Accounting API

Fund valuation and accounting product (transfer-agency / fund-administration services) in the Custody API group. Reference gated behind portal authentication.

Account Valuations API

Account valuations product supporting custody and institutional portfolio reporting. Reference gated behind portal authentication.

Position Exposure API

Position exposure product for institutional custody/portfolio clients. Reference gated behind portal authentication.

Scroll for all 10

Security Posture 1

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

M T Bank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

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
 LinkedIn
LinkedIn
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

TreasuryManagement
TreasuryManagement

Source (apis.yml)

apis.yml Raw ↑ 
aid: m-t-bank
url: https://raw.githubusercontent.com/api-evangelist/m-t-bank/refs/heads/main/apis.yml
name: M&T Bank
kind: company
description: 'M&T Bank is a US super-regional bank holding company (M&T Bank Corporation, NYSE: MTB) headquartered in Buffalo,
  New York, operating through its national bank subsidiary Manufacturers and Traders Trust Company. With roughly $200 billion
  in assets it is one of the twenty largest US commercial banks, serving consumers, businesses, and institutional clients
  across the eastern United States, and it owns Wilmington Trust, its custody, fund-administration, and wealth arm. Unlike
  UK/AU open banking there is no single mandated contract in the US, so M&T''s public API posture is split: it runs a real
  first-party Developer Portal / "API Store" at developer.mtb.com for institutional and wholesale clients (Banking & Treasury
  plus Wilmington Trust Custody APIs), gated behind Microsoft Entra login and Azure API Management subscription keys with
  per-product OpenAPI reference available only after authentication. Consumer-permissioned account data is shared through
  aggregators (Plaid) rather than a public first-party consumer API. No public FDX conformance or CFPB Section 1033 data-access
  API is documented on the portal at review time.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- United States
- Super-Regional Bank
- Treasury Management
- Payments
- Custody
- Fund Accounting
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: m-t-bank:payment-initiation
  name: Payment Initiation API
  description: Institutional payment initiation product listed in M&T's Banking and Treasury API group on the developer portal.
    Per-product reference is available after Entra login and Azure APIM subscription.
  humanURL: https://developer.mtb.com/apis
  tags:
  - Payments
  - Treasury
  properties:
  - type: Documentation
    url: https://developer.mtb.com/apis
  - type: APIReference
    url: https://developer.mtb.com/apis
- aid: m-t-bank:payment-status
  name: Payment Status API
  description: Payment status lookup product in the Banking and Treasury API group. Reference gated behind portal authentication.
  humanURL: https://developer.mtb.com/apis
  tags:
  - Payments
  - Treasury
  properties:
  - type: Documentation
    url: https://developer.mtb.com/apis
  - type: APIReference
    url: https://developer.mtb.com/apis
- aid: m-t-bank:cash-activity
  name: Cash Activity API
  description: Cash activity reporting product in the Banking and Treasury API group for treasury-management clients. Reference
    gated behind portal authentication.
  humanURL: https://developer.mtb.com/apis
  tags:
  - Treasury
  - Reporting
  properties:
  - type: Documentation
    url: https://developer.mtb.com/apis
  - type: APIReference
    url: https://developer.mtb.com/apis
- aid: m-t-bank:cash-projection
  name: Cash Projection API
  description: Cash projection / forecasting product in the Banking and Treasury API group. Reference gated behind portal
    authentication.
  humanURL: https://developer.mtb.com/apis
  tags:
  - Treasury
  - Forecasting
  properties:
  - type: Documentation
    url: https://developer.mtb.com/apis
  - type: APIReference
    url: https://developer.mtb.com/apis
- aid: m-t-bank:pending-transactions
  name: Pending Transactions API
  description: Pending transactions reporting product in the Banking and Treasury API group. Reference gated behind portal
    authentication.
  humanURL: https://developer.mtb.com/apis
  tags:
  - Treasury
  - Reporting
  properties:
  - type: Documentation
    url: https://developer.mtb.com/apis
  - type: APIReference
    url: https://developer.mtb.com/apis
- aid: m-t-bank:event-notification
  name: Event Notification API
  description: Event notification setup and subscription product enabling callback/webhook delivery with request signing,
    listed in the Banking and Treasury API group. Reference gated behind portal authentication.
  humanURL: https://developer.mtb.com/apis
  tags:
  - Webhooks
  - Notifications
  properties:
  - type: Documentation
    url: https://developer.mtb.com/apis
  - type: APIReference
    url: https://developer.mtb.com/apis
- aid: m-t-bank:custody-end-of-day
  name: Custody End of Day API
  description: Wilmington Trust custody end-of-day product for institutional clients, listed in the portal's Custody API group.
    Reference gated behind portal authentication.
  humanURL: https://developer.mtb.com/apis
  tags:
  - Custody
  - Institutional
  properties:
  - type: Documentation
    url: https://developer.mtb.com/apis
  - type: APIReference
    url: https://developer.mtb.com/apis
- aid: m-t-bank:fund-accounting
  name: Fund Accounting API
  description: Fund valuation and accounting product (transfer-agency / fund-administration services) in the Custody API group.
    Reference gated behind portal authentication.
  humanURL: https://developer.mtb.com/apis
  tags:
  - Custody
  - Fund Accounting
  properties:
  - type: Documentation
    url: https://developer.mtb.com/apis
  - type: APIReference
    url: https://developer.mtb.com/apis
- aid: m-t-bank:account-valuations
  name: Account Valuations API
  description: Account valuations product supporting custody and institutional portfolio reporting. Reference gated behind
    portal authentication.
  humanURL: https://developer.mtb.com/apis
  tags:
  - Custody
  - Reporting
  properties:
  - type: Documentation
    url: https://developer.mtb.com/apis
  - type: APIReference
    url: https://developer.mtb.com/apis
- aid: m-t-bank:position-exposure
  name: Position Exposure API
  description: Position exposure product for institutional custody/portfolio clients. Reference gated behind portal authentication.
  humanURL: https://developer.mtb.com/apis
  tags:
  - Custody
  - Institutional
  properties:
  - type: Documentation
    url: https://developer.mtb.com/apis
  - type: APIReference
    url: https://developer.mtb.com/apis
common:
- type: DomainSecurity
  url: security/m-t-bank-domain-security.yml
- type: Website
  url: https://www.mtb.com/
- type: DeveloperPortal
  url: https://developer.mtb.com/
- type: Documentation
  url: https://developer.mtb.com/apis
- type: GettingStarted
  url: https://developer.mtb.com/getting-started
- type: Support
  url: https://developer.mtb.com/support
- type: LinkedIn
  url: https://www.linkedin.com/company/m&t-bank
- type: Blog
  url: https://newsroom.mtb.com/
- type: TermsOfService
  url: https://www.mtb.com/help-center/bank-policies/terms-of-use
- type: PrivacyPolicy
  url: https://www.mtb.com/privacy
- type: TreasuryManagement
  url: https://www.mtb.com/commercial/treasury-management
- type: DomainSecurity
  url: security/m-t-bank-domain-security.yml
- type: LLMsTxt
  url: llms/m-t-bank-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com