# NatWest Group

**Canonical:** https://apis.io/providers/natwest/  
**Website:** https://www.natwest.com/  
**APIs profiled:** 21

NatWest Group is a major UK retail and commercial bank (formerly Royal Bank of Scotland Group) serving personal, business, and corporate customers across the NatWest, Royal Bank of Scotland, Ulster Bank, Coutts, and NatWest International brands. It operates a public developer platform branded the "Bank of APIs" that publishes UK Open Banking (CMA9 / PSD2) APIs - Account and Transaction Information, Payment Initiation, and Confirmation of Funds - conformant to the Open Banking Implementation Entity (OBIE) Read/Write API Standard, alongside premium and commercial APIs. Access is secured with FAPI-grade OAuth2/OIDC, PSD2 strong customer authentication, mutual-TLS client authentication, and dynamic client registration using OBIE/eIDAS certificates, with a full sandbox for onboarding and testing before production.

## Kin Score — 54.1 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 54.1).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 53.0 |
| Governance | 20.8 |
| Operational Transparency | 55.3 |
| Developer Ergonomics | 56.0 |
| Commercial Clarity | 42.1 |

Regulatory layer — **Banking & Open Finance**: 67.1 (matched via tags).

## Agent readiness — 48.0 (agent-native)

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

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (21)

- **NatWest Group Account Access API** — The Account Access API from NatWest Group — 2 operation(s) for account access.
- **NatWest Group Accounts API** — The Accounts API from NatWest Group — 2 operation(s) for accounts.
- **NatWest Group Balances API** — The Balances API from NatWest Group — 2 operation(s) for balances.
- **NatWest Group Beneficiaries API** — The Beneficiaries API from NatWest Group — 2 operation(s) for beneficiaries.
- **NatWest Group Direct Debits API** — The Direct Debits API from NatWest Group — 2 operation(s) for direct debits.
- **NatWest Group Domestic Payments API** — The Domestic Payments API from NatWest Group — 5 operation(s) for domestic payments.
- **NatWest Group Domestic Scheduled Payments API** — The Domestic Scheduled Payments API from NatWest Group — 4 operation(s) for domestic scheduled payments.
- **NatWest Group Domestic Standing Orders API** — The Domestic Standing Orders API from NatWest Group — 4 operation(s) for domestic standing orders.
- **NatWest Group File Payments API** — The File Payments API from NatWest Group — 6 operation(s) for file payments.
- **NatWest Group Funds Confirmations API** — The Funds Confirmations API from NatWest Group — 3 operation(s) for funds confirmations.
- **NatWest Group International Payments API** — The International Payments API from NatWest Group — 5 operation(s) for international payments.
- **NatWest Group International Scheduled Payments API** — The International Scheduled Payments API from NatWest Group — 5 operation(s) for international scheduled payments.
- **NatWest Group International Standing Orders API** — The International Standing Orders API from NatWest Group — 4 operation(s) for international standing orders.
- **NatWest Group Offers API** — The Offers API from NatWest Group — 2 operation(s) for offers.
- **NatWest Group Parties API** — The Parties API from NatWest Group — 3 operation(s) for parties.
- **NatWest Group Payment Details API** — The Payment Details API from NatWest Group — 7 operation(s) for payment details.
- **NatWest Group Products API** — The Products API from NatWest Group — 2 operation(s) for products.
- **NatWest Group Scheduled Payments API** — The Scheduled Payments API from NatWest Group — 2 operation(s) for scheduled payments.
- **NatWest Group Standing Orders API** — The Standing Orders API from NatWest Group — 2 operation(s) for standing orders.
- **NatWest Group Statements API** — The Statements API from NatWest Group — 4 operation(s) for statements.
- **NatWest Group Transactions API** — The Transactions API from NatWest Group — 3 operation(s) for transactions.

## MCP servers (1)

- **natwest-mcp.yml**

## Agentic access (1)

- **Natwest Agentic Access** — 74 operations · 20 acting

## Security (3)

- **Natwest Authentication** — oauth2/openIdConnect/mutualTLS · 2 schemes
- **Natwest Domain Security** — TLSv1.3 · HSTS · DMARC
- **Natwest Vulnerability Disclosure** — Bugcrowd · security.txt · contact published

## Tags

Banking, Open Banking, Financial Services, Payments, PSD2, FAPI, Fintech, Account Information

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