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 7 API contracts indexed on the APIs.io network, including ATM API, Branch API, PCA API, and 4 more. Tagged areas include Financial Services, Banking, Building Society, Open Banking, and PSD2.

The Nationwide Building Society catalog on APIs.io includes 1 Spectral governance ruleset.

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

🌐 Visit website 📡 Profile data on GitHub

42.2/100 developing ▬ flat Agent 26/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

3 published contracts 1 Agent Skills

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

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

PCA

GET /personal-current-accounts

Kin Score

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

Composite quality — 42.2/100 · developing

Contract Quality 7.7 / 21

Developer Ergonomics 9.6 / 17

Access Clarity 2.2 / 17

Operational Transparency 4.4 / 11

Contract Governance 3.2 / 10

Discoverability 6.7 / 9

Regulatory Posture 5.4 / 15

Agent readiness — 26/100 · 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

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/.

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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
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
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)
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):

Access Clarity scores 13.2 — up to +17.4 composite points
Contract Quality scores 36.3 — up to +15.9 composite points
Developer Ergonomics scores 56.5 — up to +8.7 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/nationwide-building-society/apis.yml: open an issue on github.com/api-evangelist/nationwide-building-society 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 5

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.

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 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

Agent Skills 1

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

Nationwide Open Data discovery

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Nationwide Building Society API Rules

45 rules · 43 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 3

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.

Nationwide Building Society Atm Locator Overlay

2 actions · documentation · obie-open-data-atm-locator-openapi.json

DERIVED

Nationwide Building Society Branch Locator Overlay

2 actions · documentation · obie-open-data-branch-locator-openapi.json

DERIVED

Nationwide Building Society Personal Current Accounts Overlay

2 actions · documentation · obie-open-data-personal-current-accounts-openapi.json

DERIVED

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: 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
- 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
- Financial-Services
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
  - PI
  - Read/Write
  tags_raw:
  - 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

Nationwide Building Society API — frequently asked questions

Does Nationwide Building Society have an API?

Yes. APIs.io lists 7 APIs from Nationwide Building Society, including Nationwide Account and Transaction Information API (AIS), Nationwide Payment Initiation API (PIS) and Nationwide Confirmation of Funds API (CBPII), and 4 more.

Is there an OpenAPI specification for the Nationwide Building Society API?

Yes. APIs.io indexes 3 OpenAPI specifications for Nationwide Building Society, each linked for download from this page.

How do I authenticate with the Nationwide Building Society API?

Nationwide Building Society uses bearer-token authentication (none/oauth2/openIdConnect/mutualTLS · 4 schemes). The details are profiled on APIs.io as Nationwide Building Society Authentication.

Is the Nationwide Building Society API ready for AI agents?

Nationwide Building Society has a Kin Score of 42.2 out of 100 (developing) and an Agent Readiness score of 26.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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