Metro Bank

Metro Bank is a UK retail and commercial bank founded in 2010 as the first new high-street bank to open in Britain in over 150 years, headquartered in London and listed on the London Stock Exchange (ticker MTRO). It is a public limited company (not a mutual or building society), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA, serving personal and business customers through its branch ("store") network and digital channels. As an FCA-authorised account servicing payment service provider (ASPSP) under PSD2, Metro Bank participates in UK Open Banking without being one of the nine CMA-mandated banks (the CMA9). It operates a public developer portal, built on Google Apigee, that publishes PSD2 / UK Open Banking APIs aligned to the Open Banking Implementation Entity (OBIE) Read/Write standard - Account and Transaction Information, Payment Initiation, and Confirmation of Funds - secured with FAPI-grade OAuth2/OIDC, mutual TLS, dynamic client registration, and PSD2 strong customer authentication, alongside the OBIE Open Data reference-data APIs and FCA service-quality metrics reporting.

Metro Bank publishes 1 API on the APIs.io network: Open Data API. Tagged areas include Financial Services, Banking, Open Banking, PSD2, and OBIE.

Metro Bank’s developer surface includes authentication, documentation, engineering blog, support, and 17 more developer resources.

🌐 Visit website 📡 Source on GitHub
36.9/100 thin ▬ flat Agent 74/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
5 APIs 1 MCP Servers
Financial ServicesBankingOpen BankingPSD2OBIEUnited KingdomPaymentsAccount InformationFAPIFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 36.9/100 · thin
Contract Quality 9.4 / 25
Developer Ergonomics 10.0 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 74/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 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 0 / 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/metro-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 5

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

Metro Bank Open Data API

Public, unauthenticated OBIE Open Data reference API exposing Metro Bank's ATM locations, branch ("store") locations, personal and business current account products, unsecured S...

Metro Bank Account and Transaction Information API

OBIE Read/Write Account Information Service (AIS) API providing consented access to account details, balances, transactions, beneficiaries, standing orders, direct debits, and s...

Metro Bank Payment Initiation API

OBIE Read/Write Payment Initiation Service (PIS) API for initiating domestic and scheduled payments, standing orders, and file payments on behalf of a consenting customer. FAPI-...

Metro Bank Confirmation of Funds API

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

Metro Bank FCA Account Metrics API

API publishing Metro Bank's FCA service-quality and account metrics data (management information required under UK regulatory reporting), documented in the Metro Bank developer ...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

metro-bank-mcp.yml

MCP SERVER

Security Posture 2

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

Metro Bank Authentication

oauth2/openIdConnect/mutualTLS · 4 schemes

SECURITY

Metro Bank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Metro Bank Scopes

4 scopes · authorizationCode/clientCredentials

4 scopes

SCOPES

Agentic Access 1

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

Metro Bank Agentic Access

12 operations

12 operations · 0 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

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

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

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

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: metro-bank
url: https://raw.githubusercontent.com/api-evangelist/metro-bank/refs/heads/main/apis.yml
name: Metro Bank
kind: company
description: Metro Bank is a UK retail and commercial bank founded in 2010 as the first new high-street bank to open in Britain
  in over 150 years, headquartered in London and listed on the London Stock Exchange (ticker MTRO). It is a public limited
  company (not a mutual or building society), authorised by the Prudential Regulation Authority and regulated by the Financial
  Conduct Authority and the PRA, serving personal and business customers through its branch ("store") network and digital
  channels. As an FCA-authorised account servicing payment service provider (ASPSP) under PSD2, Metro Bank participates in
  UK Open Banking without being one of the nine CMA-mandated banks (the CMA9). It operates a public developer portal, built
  on Google Apigee, that publishes PSD2 / UK Open Banking APIs aligned to the Open Banking Implementation Entity (OBIE) Read/Write
  standard - Account and Transaction Information, Payment Initiation, and Confirmation of Funds - secured with FAPI-grade
  OAuth2/OIDC, mutual TLS, dynamic client registration, and PSD2 strong customer authentication, alongside the OBIE Open Data
  reference-data APIs and FCA service-quality metrics reporting.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- FAPI
- Fintech
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: metro-bank:metro-bank-open-data-api
  name: Metro Bank Open Data API
  description: Public, unauthenticated OBIE Open Data reference API exposing Metro Bank's ATM locations, branch ("store")
    locations, personal and business current account products, unsecured SME loans, and commercial credit card products, conformant
    to the UK Open Banking Open Data API standard. Endpoint host confirmed live; the exact open-data base path/version was
    not independently verified (see review.yml).
  humanURL: https://developer.metrobankonline.co.uk/Overview
  baseURL: https://api.metrobankonline.co.uk/open-banking/v2.3
  tags:
  - Open Data
  - ATMs
  - Branches
  - Products
  properties:
  - type: OpenAPI
    url: openapi/obie-open-data-api-standard-v1.3-swagger.json
  - type: Documentation
    url: https://developer.metrobankonline.co.uk/Overview
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
- aid: metro-bank:metro-bank-account-information-api
  name: Metro Bank Account and Transaction Information API
  description: OBIE Read/Write Account Information Service (AIS) API providing consented access to account details, balances,
    transactions, beneficiaries, standing orders, direct debits, and statements. FAPI-secured with OAuth2/OIDC, mutual TLS,
    and PSD2 strong customer authentication; requires developer-portal onboarding and eIDAS/OBIE certificates.
  humanURL: https://developer.metrobankonline.co.uk/Overview
  baseURL: https://api.metrobankonline.co.uk/open-banking/v3.1/aisp
  tags:
  - Account Information
  - AIS
  - Transactions
  properties:
  - type: Documentation
    url: https://developer.metrobankonline.co.uk/Overview
  - type: APIReference
    url: https://openbankinguk.github.io/read-write-api-site3/
- aid: metro-bank:metro-bank-payment-initiation-api
  name: Metro Bank Payment Initiation API
  description: OBIE Read/Write Payment Initiation Service (PIS) API for initiating domestic and scheduled payments, standing
    orders, and file payments on behalf of a consenting customer. FAPI-secured with OAuth2/OIDC, mutual TLS, and PSD2 strong
    customer authentication; requires developer-portal onboarding and eIDAS/OBIE certificates.
  humanURL: https://developer.metrobankonline.co.uk/Overview
  baseURL: https://api.metrobankonline.co.uk/open-banking/v3.1/pisp
  tags:
  - Payment Initiation
  - PIS
  - Payments
  properties:
  - type: Documentation
    url: https://developer.metrobankonline.co.uk/Overview
  - type: APIReference
    url: https://openbankinguk.github.io/read-write-api-site3/
- aid: metro-bank:metro-bank-confirmation-of-funds-api
  name: Metro Bank Confirmation of Funds API
  description: OBIE Read/Write Confirmation of Funds (CBPII) API allowing a card-based payment instrument issuer to confirm
    whether sufficient funds are available on a customer account. FAPI-secured with OAuth2/OIDC, mutual TLS, and PSD2 strong
    customer authentication; requires developer-portal onboarding and eIDAS/OBIE certificates.
  humanURL: https://developer.metrobankonline.co.uk/Overview
  baseURL: https://api.metrobankonline.co.uk/open-banking/v3.1/cbpii
  tags:
  - Confirmation of Funds
  - CBPII
  properties:
  - type: Documentation
    url: https://developer.metrobankonline.co.uk/Overview
  - type: APIReference
    url: https://openbankinguk.github.io/read-write-api-site3/
- aid: metro-bank:metro-bank-fca-account-metrics-api
  name: Metro Bank FCA Account Metrics API
  description: API publishing Metro Bank's FCA service-quality and account metrics data (management information required under
    UK regulatory reporting), documented in the Metro Bank developer portal as the FCA Account Metrics API.
  humanURL: https://developer.metrobankonline.co.uk/FCA-Account-Metrics-API
  baseURL: https://api.metrobankonline.co.uk/open-banking/v3.1
  tags:
  - FCA
  - Account Metrics
  - Reporting
  properties:
  - type: Documentation
    url: https://developer.metrobankonline.co.uk/FCA-Account-Metrics-API
common:
- type: AgenticAccess
  url: agentic-access/metro-bank-agentic-access.yml
- type: DomainSecurity
  url: security/metro-bank-domain-security.yml
- type: Authentication
  url: authentication/metro-bank-authentication.yml
- type: OAuthScopes
  url: scopes/metro-bank-scopes.yml
- type: Conventions
  url: conventions/metro-bank-conventions.yml
- type: Idempotency
  url: conventions/metro-bank-conventions.yml
- type: Conformance
  url: conformance/metro-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/metro-bank-lifecycle.yml
- type: ErrorCatalog
  url: errors/metro-bank-problem-types.yml
- type: DataModel
  url: data-model/metro-bank-data-model.yml
- type: Overlay
  url: overlays/metro-bank-open-data-overlay.yaml
- type: MCPServer
  url: mcp/metro-bank-mcp.yml
- type: LLMsTxt
  url: llms/metro-bank-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://www.metrobankonline.co.uk/
- type: DeveloperPortal
  url: https://developer.metrobankonline.co.uk/
- type: Documentation
  url: https://developer.metrobankonline.co.uk/Overview
- type: LinkedIn
  url: https://www.linkedin.com/company/metro-bank
- type: Blog
  url: https://www.metrobankonline.co.uk/about-us/press-releases/
- type: Support
  url: https://www.metrobankonline.co.uk/help-and-support/
- type: PrivacyPolicy
  url: https://www.metrobankonline.co.uk/privacy/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com