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: Nationwide ATM Locator API, Nationwide Branch Locator API, and Nationwide Personal Current Accounts 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 26 more developer resources.

🌐 Visit website 📡 Source on GitHub
43.9/100 thin ▬ flat Agent 66/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
Financial ServicesBankingBuilding SocietyOpen BankingPSD2OBIECMA9United KingdomPaymentsAccount Information

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 43.9/100 · thin
Contract Quality 9.4 / 25
Developer Ergonomics 11.7 / 20
Commercial Clarity 2.6 / 20
Operational Transparency 5.1 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 66/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 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 4 / 4
Consent & Bot Identity 3 / 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/nationwide-building-society: 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 7

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

Nationwide ATM Locator API

Public, unauthenticated OBIE Open Data API listing the location, accessibility, supported currencies, and services of Nationwide ATMs across the UK. Confirmed live (HTTP 200, ap...

Nationwide Branch Locator API

Public, unauthenticated OBIE Open Data API listing Nationwide branch locations, opening hours, accessibility, and services. Documented Open Data type on the developer portal (th...

Nationwide Personal Current Accounts API

Public, unauthenticated OBIE Open Data API publishing reference data for Nationwide personal current account products, features, fees, and eligibility. Confirmed live (HTTP 200,...

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,...

Scroll for all 7

MCP Servers 1

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

nationwide-building-society-mcp.yml

MCP SERVER

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
 MCPServer
MCPServer
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 DataModel
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
DomainSecurity
 Security
Security
 SecurityTxt
SecurityTxt
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Operate 4

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage
 Roadmap
Roadmap
 Deprecation
Deprecation

Company 3

The organization behind the API

Website
Website
 LinkedIn
LinkedIn
 About
About

Other 3

Properties that don't map to a standard resource type

Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
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.
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
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: nationwide-building-society:nationwide-atm-locator-api
  name: Nationwide ATM Locator API
  description: Public, unauthenticated OBIE Open Data API listing the location, accessibility, supported currencies, and services
    of Nationwide ATMs across the UK. Confirmed live (HTTP 200, application/json) at v2.2.
  humanURL: https://developer.nationwide.co.uk/open-banking/open-data-apis
  baseURL: https://openapi.nationwide.co.uk/open-banking/v2.2
  tags:
  - Open Data
  - ATMs
  properties:
  - type: OpenAPI
    url: openapi/obie-open-data-atm-locator-openapi.json
  - 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-branch-locator-api
  name: Nationwide Branch Locator API
  description: Public, unauthenticated OBIE Open Data API listing Nationwide branch locations, opening hours, accessibility,
    and services. Documented Open Data type on the developer portal (the v2.2 branches path returned HTTP 403 on unauthenticated
    probe from this environment).
  humanURL: https://developer.nationwide.co.uk/open-banking/open-data-apis
  baseURL: https://openapi.nationwide.co.uk/open-banking/v2.2
  tags:
  - Open Data
  - Branches
  properties:
  - type: OpenAPI
    url: openapi/obie-open-data-branch-locator-openapi.json
  - 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-personal-current-accounts-api
  name: Nationwide Personal Current Accounts API
  description: Public, unauthenticated OBIE Open Data API publishing reference data for Nationwide personal current account
    products, features, fees, and eligibility. Confirmed live (HTTP 200, application/json) at v2.2.
  humanURL: https://developer.nationwide.co.uk/open-banking/open-data-apis
  baseURL: https://openapi.nationwide.co.uk/open-banking/v2.2
  tags:
  - Open Data
  - Personal Current Accounts
  properties:
  - type: OpenAPI
    url: openapi/obie-open-data-personal-current-accounts-openapi.json
  - 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-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
common:
- 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: MCPServer
  url: mcp/nationwide-building-society-mcp.yml
- 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