Neobanks

A collection of APIs from leading neobanks and digital banking platforms including Revolut, Monzo, Starling Bank, N26, Nubank, Bunq, and others that offer modern banking services through developer-friendly APIs.

Neobanks is listed with 4 APIs on the APIs.io network. Tagged areas include Digital Banking, Fintech, Mobile Banking, Neobank, and Open Banking.

Neobanks’ developer surface includes engineering blog and 5 more developer resources.

📡 Profile data on GitHub

16.5/100 emerging ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessFreemium

4 APIs

Digital Banking Fintech Mobile Banking Neobank Open Banking

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 16.5/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 5.3 / 17

Access Clarity 1.1 / 17

Operational Transparency 2.4 / 11

Contract Governance 0.0 / 10

Discoverability 6.1 / 9

Regulatory Posture 2.1 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 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 5 / 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →

11 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points Ask about this →
Access Clarity scores 6.4 — up to +18.7 composite points Ask about this →
Developer Ergonomics scores 31.0 — up to +13.8 composite points Ask about this →

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.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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/neobanks/apis.yml: open an issue on github.com/api-evangelist/neobanks 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 →

APIs 4

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

Revolut API

Digital banking platform offering accounts, payments, and financial services.

Monzo API

UK-based digital bank with API-first approach.

Starling Bank API

UK digital bank with comprehensive developer platform.

Bunq API

European neobank with extensive API capabilities.

Neobanks API pricing

Not yet checked against Neobanks's own pricing page. Compiled by API Evangelist on 2026-05-04; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Free freemium	Free
Professional paid	Free
Enterprise enterprise	—

Plan details, limits and sources →

Rate limits

Free Tier Default: 10 requests per minute
Free Tier Monthly Quota: 1000 requests per month
Professional Tier Default: 100 requests per minute

Compiled by API Evangelist, not yet checked against Neobanks's documentation. All 5 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Neobanks Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Neobanks Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Neobanks Finops

FINOPS

Security Posture 2

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

Neobanks Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Neobanks Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Access & Security 2

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 1

The organization behind the API

Blog

Blog

Source (apis.yml)

aid: neobanks
name: Neobanks
description: A collection of APIs from leading neobanks and digital banking platforms including Revolut, Monzo, Starling Bank,
  N26, Nubank, Bunq, and others that offer modern banking services through developer-friendly APIs.
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/neobanks.png
tags:
- Digital Banking
- Fintech
- Mobile Banking
- Neobank
- Open Banking
url: https://raw.githubusercontent.com/api-evangelist/neobanks/refs/heads/main/apis.yml
created: '2024-01-15'
modified: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: neobanks:revolut
  name: Revolut API
  description: Digital banking platform offering accounts, payments, and financial services.
  humanURL: https://developer.revolut.com
  baseURL: https://api.revolut.com
  tags:
  - Banking
  - Fintech
  - Neobank
  - Payments
  properties:
  - type: Documentation
    url: https://developer.revolut.com/docs
  - type: Authentication
    url: https://developer.revolut.com/docs/api-authentication
- aid: neobanks:monzo
  name: Monzo API
  description: UK-based digital bank with API-first approach.
  humanURL: https://docs.monzo.com
  baseURL: https://api.monzo.com
  tags:
  - Banking
  - Neobank
  - Open Banking
  - United Kingdom
  tags_raw:
  - Banking
  - Neobank
  - Open Banking
  - UK
  properties:
  - type: Documentation
    url: https://docs.monzo.com
- aid: neobanks:starling-bank
  name: Starling Bank API
  description: UK digital bank with comprehensive developer platform.
  humanURL: https://developer.starlingbank.com
  baseURL: https://api.starlingbank.com
  tags:
  - Banking
  - Neobank
  - Open Banking
  - United Kingdom
  tags_raw:
  - Banking
  - Neobank
  - Open Banking
  - UK
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs
  - type: GettingStarted
    url: https://developer.starlingbank.com/get-started
- aid: neobanks:bunq
  name: Bunq API
  description: European neobank with extensive API capabilities.
  humanURL: https://doc.bunq.com
  baseURL: https://api.bunq.com
  tags:
  - Banking
  - Europe
  - Neobank
  properties:
  - type: Documentation
    url: https://doc.bunq.com
  - type: Reference
    url: https://doc.bunq.com/api-reference
  - type: GitHubOrganization
    url: https://github.com/bunq
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Plans
  url: plans/neobanks-plans-pricing.yml
- type: RateLimits
  url: rate-limits/neobanks-rate-limits.yml
- type: FinOps
  url: finops/neobanks-finops.yml
- url: https://developer.revolut.com/blog/
  type: Blog
- type: VulnerabilityDisclosure
  url: security/neobanks-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/neobanks-domain-security.yml

Neobanks API — frequently asked questions

Does Neobanks have an API?

Yes. APIs.io lists 4 APIs from Neobanks, including Revolut API, Monzo API and Starling Bank API, and 1 more.

How do I authenticate with the Neobanks API?

Neobanks uses bearer-token authentication.

How much does the Neobanks API cost?

APIs.io lists 3 pricing plans for Neobanks, with each plan's price, limits and inclusions under Pricing on this page.

Is the Neobanks API ready for AI agents?

Neobanks has a Kin Score of 16.5 out of 100 (emerging) and an Agent Readiness score of 3.1 (human-only), scored by API Evangelist on 2026-11-13.

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