# Metro Bank

**Canonical:** https://apis.io/providers/metro-bank/  
**Website:** https://www.metrobankonline.co.uk/  
**APIs profiled:** 5

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.

## Kin Score — 40.5 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 40.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 37.1 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 35.1 |
| Commercial Clarity | 28.6 |
| Access Clarity | 28.6 |

Regulatory layer — **Banking & Open Finance**: 75.9 (matched via tags).

## Agent readiness — 36.5 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | na |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | na |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | na |

## APIs (5)

- **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)

- **Metro Bank MCP Server**

## Agentic access (1)

- **Metro Bank Agentic Access** — 12 operations

## Security (2)

- **Metro Bank Authentication** — oauth2/openIdConnect/mutualTLS · 4 schemes
- **Metro Bank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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