Mettle
Mettle is a digital-only business bank account brand for UK sole traders, freelancers, and small limited companies, wholly owned by NatWest Group and originally built with Capco. It has no physical branches and is run on separate technology from the core NatWest bank, offering an app-based current account with a UK sort code and account number, invoicing, bookkeeping, tax tools, and a free FreeAgent accounting integration. As a NatWest Group brand, Mettle participates in UK Open Banking through NatWest Group's "Bank of APIs" developer platform, publishing PSD2 / OBIE-conformant APIs - a public, unsecured Open Data (Product) API describing its business current accounts, plus the FAPI-secured Read/Write family (Account & Transaction Information, Payment Initiation, and Confirmation of Funds). Read/Write access runs against a live production gateway (api.openbanking.prd-mettle.co.uk) secured with OAuth2/OIDC, mutual-TLS client authentication, and PSD2 strong customer authentication using OBIE/eIDAS certificates, onboarded via the Bank of APIs portal. Mettle is delivered under NatWest Group's FCA-authorised banking group and is a challenger/digital proposition rather than one of the CMA9 mandated brands.
Mettle publishes 9 API contracts indexed on the APIs.io network, including ATM API, BCA API, Branch API, and 6 more. Tagged areas include Financial Services, Banking, Business Banking, Open Banking, and PSD2.
The Mettle catalog on APIs.io includes 1 Spectral governance ruleset.
Mettle’s developer surface includes sandbox, signup flow, authentication, documentation, engineering blog, support, and 26 more developer resources.
What this lets a business do 2
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
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 |
|---|---|---|---|---|
| EU/EEA Payment and E-Money Institutions (PSD2 passports) | undeclared | - | - | - |
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 7
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.
APIs 9
Individual APIs this provider publishes, each with its own machine-readable definition.
Mettle Account and Transaction API
OBIE Read/Write Account & Transaction Information (AIS) API for Mettle business current accounts, exposing accounts, balances, transactions, and related resources to FCA-authori...
Mettle Payment Initiation API
OBIE Read/Write Payment Initiation Services (PIS) API for Mettle, allowing FCA-authorised third parties to initiate domestic and other payments from a customer's Mettle account ...
Mettle Confirmation of Funds API
OBIE Read/Write Confirmation of Funds (CBPII) API for Mettle, letting card-based payment instrument issuers confirm whether funds are available on a customer's Mettle account. F...
Mettle ATM API
Endpoint for getting ATM data
Mettle BCA API
Endpoint for getting Business Current Account data
Mettle Branch API
Endpoint for getting Branch data
Mettle CCC API
Endpoint for getting Commercial Credit Card data
Mettle PCA API
Endpoint for getting Personal Current Account data
Mettle SME API
Endpoint for getting Unsecured SME Loan data
Scroll for all 9
Open Collections 1
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Open Data API
OPEN COLLECTIONAgent Skills 1
Packaged agent skills for driving this provider's APIs from an AI assistant.
Spectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
Mettle API Rules
SPECTRALOpenAPI 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.
Mettle Open Data Api Overlay
DERIVEDSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 4
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll for all 8
Access & Security 4
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 3
Properties that don't map to a standard resource type
Source (apis.yml)
Mettle API — frequently asked questions
Does Mettle have an API?
Yes. APIs.io lists 9 APIs from Mettle, including Mettle Account and Transaction API, Mettle Payment Initiation API and Mettle Confirmation of Funds API, and 6 more.
Is there an OpenAPI specification for the Mettle API?
Yes. APIs.io indexes 6 OpenAPI specifications for Mettle, each linked for download from this page.
How do I authenticate with the Mettle API?
Mettle documents its authentication (oauth2/openIdConnect/mutualTLS · 3 schemes). The details are profiled on APIs.io as Mettle Authentication.
Is the Mettle API ready for AI agents?
Mettle has a Kin Score of 39.6 out of 100 (developing) and an Agent Readiness score of 36.5 (agent-ready), scored by API Evangelist on 2026-11-06.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.