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 10 API contracts indexed on the APIs.io network, including ATM API, BCA API, Branch API, and 7 more. Tagged areas include Financial Services, Banking, Open Banking, PSD2, and OBIE.

The Metro Bank catalog on APIs.io includes 1 Spectral governance ruleset.

Metro Bank’s developer surface includes authentication, documentation, engineering blog, support, and 18 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

37.3/100 thin ▬ flat Agent 23/100 agent aware Front door AI 2/6 trace Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 1 Agent Skills

Financial Services Banking Open Banking PSD2 OBIE United Kingdom Payments Account Information FAPI Fintech

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Banking Customer Management

BC-1300

ATMBranch

GET /atms GET /branches

Banking Product Management

BC-1310

BCAPCA

GET /business-current-accounts GET /personal-current-accounts

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 37.3/100 · thin

Contract Quality 7.5 / 21

Developer Ergonomics 7.2 / 17

Access Clarity 4.9 / 17

Operational Transparency 0.0 / 11

Contract Governance 3.2 / 10

Discoverability 6.2 / 9

Regulatory Posture 6.1 / 15

Agent readiness — 23/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

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 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 4 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics does not apply to this provider. The published contracts declare no write operations, and a read-only API cannot create-or-update. The facet is excluded from this provider's denominator entirely — not scored zero. A reference or data API is not deficient for being unable to upsert.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

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<a href="https://apis.io/providers/metro-bank/"><img src="https://apis.io/badge/metro-bank/card.svg" alt="Metro Bank on APIs.io — Kin Score by API Evangelist"></a>

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 35.5 — up to +16.1 composite points
Access Clarity scores 28.6 — up to +14.3 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/metro-bank/apis.yml: open an issue on github.com/api-evangelist/metro-bank to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	38.3 (thin)	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	regulated	38.3 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 6

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

FAPI

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Open Banking Standard

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

OpenID Connect

measured — observed by APIs.io (declared)

Mutual TLS

measured — observed by APIs.io (declared)

APIs 10

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

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 ...

Metro Bank ATM API

Endpoint for getting ATM data

Metro Bank BCA API

Endpoint for getting Business Current Account data

Metro Bank Branch API

Endpoint for getting Branch data

Metro Bank CCC API

Endpoint for getting Commercial Credit Card data

Metro Bank PCA API

Endpoint for getting Personal Current Account data

Metro Bank SME API

Endpoint for getting Unsecured SME Loan data

Scroll for all 10

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Open Data API

OPEN COLLECTION

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

Look up Metro Bank Open Data (branches, ATMs, products)

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Metro Bank API Rules

49 rules · 47 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Metro Bank Open Data Overlay

2 actions · update · obie-open-data-api-standard-v1.3-swagger.json

DERIVED

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

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

Conformance

Lifecycle

ErrorCatalog

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

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

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.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
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
tags_raw:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- FAPI
- Fintech
- Financial-Services
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- 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
  - Transaction
  tags_raw:
  - 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
  - PI
  - Payments
  tags_raw:
  - 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
- aid: metro-bank:metro-bank-atm-api
  name: Metro Bank ATM API
  description: Endpoint for getting ATM data
  humanURL: https://developer.metrobankonline.co.uk/Overview
  baseURL: https://api.metrobankonline.co.uk/open-banking/v2.3
  tags:
  - ATM
  properties:
  - type: OpenAPI
    url: openapi/metro-bank-atm-api-openapi.yml
  - 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-bca-api
  name: Metro Bank BCA API
  description: Endpoint for getting Business Current Account data
  humanURL: https://developer.metrobankonline.co.uk/Overview
  baseURL: https://api.metrobankonline.co.uk/open-banking/v2.3
  tags:
  - BCA
  properties:
  - type: OpenAPI
    url: openapi/metro-bank-bca-api-openapi.yml
  - 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-branch-api
  name: Metro Bank Branch API
  description: Endpoint for getting Branch data
  humanURL: https://developer.metrobankonline.co.uk/Overview
  baseURL: https://api.metrobankonline.co.uk/open-banking/v2.3
  tags:
  - Branch
  properties:
  - type: OpenAPI
    url: openapi/metro-bank-branch-api-openapi.yml
  - 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-ccc-api
  name: Metro Bank CCC API
  description: Endpoint for getting Commercial Credit Card data
  humanURL: https://developer.metrobankonline.co.uk/Overview
  baseURL: https://api.metrobankonline.co.uk/open-banking/v2.3
  tags:
  - CCC
  properties:
  - type: OpenAPI
    url: openapi/metro-bank-ccc-api-openapi.yml
  - 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-pca-api
  name: Metro Bank PCA API
  description: Endpoint for getting Personal Current Account data
  humanURL: https://developer.metrobankonline.co.uk/Overview
  baseURL: https://api.metrobankonline.co.uk/open-banking/v2.3
  tags:
  - PCA
  properties:
  - type: OpenAPI
    url: openapi/metro-bank-pca-api-openapi.yml
  - 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-sme-api
  name: Metro Bank SME API
  description: Endpoint for getting Unsecured SME Loan data
  humanURL: https://developer.metrobankonline.co.uk/Overview
  baseURL: https://api.metrobankonline.co.uk/open-banking/v2.3
  tags:
  - Small Business
  tags_raw:
  - SME
  properties:
  - type: OpenAPI
    url: openapi/metro-bank-sme-api-openapi.yml
  - type: Documentation
    url: https://developer.metrobankonline.co.uk/Overview
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
common:
- type: CapabilityMap
  url: capabilities/metro-bank-capability-edges.yml
  name: Metro Bank Business Capability Map
- 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: X-MCPServerCandidate
  url: mcp/metro-bank-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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

Metro Bank API — frequently asked questions

Does Metro Bank have an API?

Yes. APIs.io lists 10 APIs from Metro Bank, including Metro Bank Account and Transaction Information API, Metro Bank Payment Initiation API and Metro Bank Confirmation of Funds API, and 7 more.

Is there an OpenAPI specification for the Metro Bank API?

Yes. APIs.io indexes 6 OpenAPI specifications for Metro Bank, each linked for download from this page.

How do I authenticate with the Metro Bank API?

Metro Bank uses bearer-token authentication (oauth2/openIdConnect/mutualTLS · 4 schemes). The details are profiled on APIs.io as Metro Bank Authentication.

Is the Metro Bank API ready for AI agents?

Metro Bank has a Kin Score of 37.3 out of 100 (thin) and an Agent Readiness score of 22.9 (agent-aware), scored by API Evangelist on 2026-11-06.

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