Nationwide Building Society

Nationwide Building Society is the world's largest building society and one of the UK's biggest retail financial services providers, headquartered in Swindon, England. As a mutual it is owned by and run for the benefit of its members rather than external shareholders, offering current accounts, mortgages, savings, and personal loans across a large branch and digital network. Nationwide is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. As one of the CMA9 - the nine largest current-account providers mandated by the UK Competition and Markets Authority to deliver Open Banking - Nationwide operates a public developer portal that publishes UK Open Banking APIs conformant to the Open Banking Implementation Entity (OBIE) standards - public, unauthenticated Open Data APIs (ATM and branch locators, personal and business current account product reference data) and FAPI-secured Read/Write APIs for Account and Transaction Information (AIS), Payment Initiation (PIS), Confirmation of Funds (CBPII), and Variable Recurring Payments (VRP), secured with OAuth2/OIDC, mutual-TLS client authentication, and PSD2 strong customer authentication using OBIE/eIDAS certificates.

Nationwide Building Society publishes 3 APIs on the APIs.io network: ATM API, Branch API, and PCA API. Tagged areas include Financial-Services, Banking, Building Society, Open Banking, and PSD2.

Nationwide Building Society’s developer surface includes documentation, getting-started guide, support, signup flow, authentication, and 27 more developer resources.

🌐 Visit website 📡 Source on GitHub

41.9/100 developing ▬ flat Agent 25/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

3 APIs

Financial-Services Banking Building Society Open Banking PSD2 OBIE CMA9 United Kingdom Payments Account Information

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 41.9/100 · developing

Contract Quality 7.1 / 21

Developer Ergonomics 9.6 / 17

Access Clarity 2.2 / 17

Operational Transparency 4.4 / 11

Contract Governance 1.9 / 10

Discoverability 6.9 / 9

Regulatory Posture 8.7 / 15

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 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 7 / 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

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/.

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 github.com/api-evangelist/nationwide-building-society: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 7

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

Nationwide Account and Transaction Information API (AIS)

OBIE Read/Write Account and Transaction Information (AIS) API providing consented access to Nationwide account, balance, and transaction data for authorised third-party provider...

Nationwide Payment Initiation API (PIS)

OBIE Read/Write Payment Initiation (PIS) API allowing authorised third-party providers to initiate domestic and other payments from Nationwide accounts with customer consent. FA...

Nationwide Confirmation of Funds API (CBPII)

OBIE Read/Write Confirmation of Funds (CBPII) utility API letting a consented card-based payment instrument issuer check whether funds are available on a Nationwide account. FAP...

Nationwide Variable Recurring Payments API (VRP)

OBIE Read/Write Variable Recurring Payments (VRP) API enabling consented sweeping and recurring payment mandates from Nationwide accounts. FAPI-secured (OAuth2/OIDC, mutual-TLS,...

Nationwide Building Society ATM API

Endpoint for getting ATM data

Nationwide Building Society Branch API

Endpoint for getting Branch data

Nationwide Building Society PCA API

Endpoint for getting Personal Current Account data

Scroll for all 7

Open Collections 3

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

Open Data API

OPEN COLLECTION

Open Data API

OPEN COLLECTION

Open Data API

OPEN COLLECTION

Security Posture 3

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

Nationwide Building Society Authentication

none/oauth2/openIdConnect/mutualTLS · 4 schemes

SECURITY

Nationwide Building Society Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Nationwide Building Society Vulnerability Disclosure

security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Nationwide Building Society Scopes

4 scopes · authorizationCode/clientCredentials

4 scopes

SCOPES

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

Conformance

ErrorCatalog

Lifecycle

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk

ToolCrosswalk

Access & Security 6

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Security

SecurityTxt

Authentication

OAuthScopes

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

Roadmap

Deprecation

Company 3

The organization behind the API

Website

Website

LinkedIn

About

About

Other 4

Properties that don't map to a standard resource type

CapabilityMap

Overlay

Overlay

Overlay

Source (apis.yml)

aid: nationwide-building-society
url: https://raw.githubusercontent.com/api-evangelist/nationwide-building-society/refs/heads/main/apis.yml
name: Nationwide Building Society
kind: company
description: Nationwide Building Society is the world's largest building society and one of the UK's biggest retail financial
  services providers, headquartered in Swindon, England. As a mutual it is owned by and run for the benefit of its members
  rather than external shareholders, offering current accounts, mortgages, savings, and personal loans across a large branch
  and digital network. Nationwide is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
  Authority and the PRA. As one of the CMA9 - the nine largest current-account providers mandated by the UK Competition and
  Markets Authority to deliver Open Banking - Nationwide operates a public developer portal that publishes UK Open Banking
  APIs conformant to the Open Banking Implementation Entity (OBIE) standards - public, unauthenticated Open Data APIs (ATM
  and branch locators, personal and business current account product reference data) and FAPI-secured Read/Write APIs for
  Account and Transaction Information (AIS), Payment Initiation (PIS), Confirmation of Funds (CBPII), and Variable Recurring
  Payments (VRP), secured with OAuth2/OIDC, mutual-TLS client authentication, and PSD2 strong customer authentication using
  OBIE/eIDAS certificates.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-23'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Building Society
- Open Banking
- PSD2
- OBIE
- CMA9
- United Kingdom
- Payments
- Account Information
tags_raw:
- Financial Services
- Banking
- Building Society
- Open Banking
- PSD2
- OBIE
- CMA9
- United Kingdom
- Payments
- Account Information
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: nationwide-building-society:nationwide-account-information-api
  name: Nationwide Account and Transaction Information API (AIS)
  description: OBIE Read/Write Account and Transaction Information (AIS) API providing consented access to Nationwide account,
    balance, and transaction data for authorised third-party providers. FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA);
    requires developer-portal onboarding and OBIE/eIDAS certificates.
  humanURL: https://developer.nationwide.co.uk/open-banking/account-information-apis
  baseURL: https://api.nationwide.co.uk/open-banking/v3.1/aisp
  tags:
  - Account Information
  - AIS
  - Read/Write
  properties:
  - type: Documentation
    url: https://developer.nationwide.co.uk/open-banking/account-information-apis
  - type: APIReference
    url: https://developer.nationwide.co.uk/open-banking/account-information-apis
  - type: Authentication
    url: https://developer.nationwide.co.uk/open-banking
- aid: nationwide-building-society:nationwide-payment-initiation-api
  name: Nationwide Payment Initiation API (PIS)
  description: OBIE Read/Write Payment Initiation (PIS) API allowing authorised third-party providers to initiate domestic
    and other payments from Nationwide accounts with customer consent. FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA).
  humanURL: https://developer.nationwide.co.uk/open-banking/payment-initiation-apis
  baseURL: https://api.nationwide.co.uk/open-banking/v3.1/pisp
  tags:
  - Payment Initiation
  - PIS
  - Read/Write
  properties:
  - type: Documentation
    url: https://developer.nationwide.co.uk/open-banking/payment-initiation-apis
  - type: APIReference
    url: https://developer.nationwide.co.uk/open-banking/payment-initiation-apis
  - type: Authentication
    url: https://developer.nationwide.co.uk/open-banking
- aid: nationwide-building-society:nationwide-confirmation-of-funds-api
  name: Nationwide Confirmation of Funds API (CBPII)
  description: OBIE Read/Write Confirmation of Funds (CBPII) utility API letting a consented card-based payment instrument
    issuer check whether funds are available on a Nationwide account. FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA).
  humanURL: https://developer.nationwide.co.uk/open-banking/utility-apis
  baseURL: https://api.nationwide.co.uk/open-banking/v3.1/cbpii
  tags:
  - Confirmation of Funds
  - CBPII
  - Read/Write
  properties:
  - type: Documentation
    url: https://developer.nationwide.co.uk/open-banking/utility-apis
  - type: APIReference
    url: https://developer.nationwide.co.uk/open-banking/utility-apis
  - type: Authentication
    url: https://developer.nationwide.co.uk/open-banking
- aid: nationwide-building-society:nationwide-variable-recurring-payments-api
  name: Nationwide Variable Recurring Payments API (VRP)
  description: OBIE Read/Write Variable Recurring Payments (VRP) API enabling consented sweeping and recurring payment mandates
    from Nationwide accounts. FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA); endpoints uplifted toward v4.0 per the developer
    portal roadmap.
  humanURL: https://developer.nationwide.co.uk/open-banking/payment-initiation-apis
  baseURL: https://api.nationwide.co.uk/open-banking/v3.1/pisp
  tags:
  - Variable Recurring Payments
  - VRP
  - Read/Write
  properties:
  - type: Documentation
    url: https://developer.nationwide.co.uk/open-banking/payment-initiation-apis
  - type: APIReference
    url: https://developer.nationwide.co.uk/open-banking/payment-initiation-apis
  - type: Authentication
    url: https://developer.nationwide.co.uk/open-banking
- aid: nationwide-building-society:nationwide-building-society-atm-api
  name: Nationwide Building Society ATM API
  description: Endpoint for getting ATM data
  humanURL: https://developer.nationwide.co.uk/open-banking/open-data-apis
  baseURL: https://openapi.nationwide.co.uk/open-banking/v2.2
  tags:
  - ATM
  properties:
  - type: OpenAPI
    url: openapi/nationwide-building-society-atm-api-openapi.yml
  - type: Documentation
    url: https://developer.nationwide.co.uk/open-banking/open-data-apis
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
- aid: nationwide-building-society:nationwide-building-society-branch-api
  name: Nationwide Building Society Branch API
  description: Endpoint for getting Branch data
  humanURL: https://developer.nationwide.co.uk/open-banking/open-data-apis
  baseURL: https://openapi.nationwide.co.uk/open-banking/v2.2
  tags:
  - Branch
  properties:
  - type: OpenAPI
    url: openapi/nationwide-building-society-branch-api-openapi.yml
  - type: Documentation
    url: https://developer.nationwide.co.uk/open-banking/open-data-apis
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
- aid: nationwide-building-society:nationwide-building-society-pca-api
  name: Nationwide Building Society PCA API
  description: Endpoint for getting Personal Current Account data
  humanURL: https://developer.nationwide.co.uk/open-banking/open-data-apis
  baseURL: https://openapi.nationwide.co.uk/open-banking/v2.2
  tags:
  - PCA
  properties:
  - type: OpenAPI
    url: openapi/nationwide-building-society-pca-api-openapi.yml
  - type: Documentation
    url: https://developer.nationwide.co.uk/open-banking/open-data-apis
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
common:
- type: CapabilityMap
  url: capabilities/nationwide-building-society-capability-edges.yml
  name: Nationwide Building Society Business Capability Map
- type: VulnerabilityDisclosure
  url: security/nationwide-building-society-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/nationwide-building-society-domain-security.yml
- type: Website
  url: https://www.nationwide.co.uk/
- type: DeveloperPortal
  url: https://developer.nationwide.co.uk/
- type: Documentation
  url: https://developer.nationwide.co.uk/open-banking
- type: GettingStarted
  url: https://developer.nationwide.co.uk/open-banking/open-data-apis
- type: Support
  url: https://developer.nationwide.co.uk/open-banking/support/faq
- type: StatusPage
  url: https://developer.nationwide.co.uk/open-banking/support/known-issues
- type: LinkedIn
  url: https://www.linkedin.com/company/nationwide-building-society
- type: About
  url: https://www.nationwide.co.uk/about-us
- type: Roadmap
  url: https://developer.nationwide.co.uk/open-banking
- type: SignUp
  url: https://developer.nationwide.co.uk/
- type: Security
  url: https://www.nationwide.co.uk/help/fraud-and-security/report-security-vulnerability
- type: SecurityTxt
  url: well-known/nationwide-building-society-security.txt
- type: WellKnown
  url: well-known/nationwide-building-society-well-known.yml
- type: Authentication
  url: authentication/nationwide-building-society-authentication.yml
- type: OAuthScopes
  url: scopes/nationwide-building-society-scopes.yml
- type: Conventions
  url: conventions/nationwide-building-society-conventions.yml
- type: Idempotency
  url: conventions/nationwide-building-society-conventions.yml
- type: Conformance
  url: conformance/nationwide-building-society-conformance.yml
- type: ErrorCatalog
  url: errors/nationwide-building-society-problem-types.yml
- type: Lifecycle
  url: lifecycle/nationwide-building-society-lifecycle.yml
- type: Deprecation
  url: lifecycle/nationwide-building-society-lifecycle.yml
- type: DataModel
  url: data-model/nationwide-building-society-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/nationwide-building-society-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: ToolCrosswalk
  url: mcp/nationwide-building-society-tool-crosswalk.yml
- type: AgentSkill
  url: skills/nationwide-building-society-open-data-discovery.md
- type: LLMsTxt
  url: llms/nationwide-building-society-llms.txt
- type: Overlay
  url: overlays/nationwide-building-society-atm-locator-overlay.yaml
- type: Overlay
  url: overlays/nationwide-building-society-branch-locator-overlay.yaml
- type: Overlay
  url: overlays/nationwide-building-society-personal-current-accounts-overlay.yaml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/nationwide-building-society"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/nationwide-building-society/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/nationwide-building-society/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.