# UK Open Banking **Canonical:** https://apis.io/providers/open-banking-uk/ **Website:** https://www.openbanking.org.uk/ **APIs profiled:** 42 UK Open Banking standard with REST APIs for account and transaction data, payment initiation, variable recurring payments, and confirmation of funds for regulated financial services. Governed by the Open Banking Implementation Entity (OBIE) and overseen by the FCA and PSR under PSD2 and the CMA Order. ## Kin Score — 38.6 / 100 (thin) Scored 2026-08-20 under rubric 0.12.0. Trend: flat (-1.9 from 40.5). | Facet | Score | |---|---| | Discoverability | 50.0 | | Contract Quality | 58.0 | | Governance | 9.8 | | Contract Governance | 9.8 | | Operational Transparency | 2.6 | | Developer Ergonomics | 21.4 | | Commercial Clarity | 50.0 | | Access Clarity | 50.0 | Regulatory layer — **Banking & Open Finance**: 53.2 (matched via tags). ## Agent readiness — 32.1 (agent-aware) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | no | | MCP Server | no | | Auth Clarity | yes | | Idempotency | no | | Error Semantics | no | | OpenAPI Examples | no | | Rate Limit Signal | verified | | Event Surface Described | no | | Agent Skills | no | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | ## Access Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high). ## APIs (42) - **UK Open Banking Open Data API** — Public-facing APIs enabling third-party developers to access standardized open data published by Account Servicing Payment Service Providers, including ATM locations, branch loc... - **UK Open Banking Dynamic Client Registration API** — Allows TPPs to dynamically register as OAuth clients with ASPSPs by submitting Software Statement Assertions issued by the Open Banking Directory. Supports client creation, retr... - **UK Open Banking Directory API** — Technical API describing the Open Banking Directory, including participant registration, Software Statement management, and service discovery for TPPs and ASPSPs operating withi... - **UK Open Banking Account Access Consents API** — The Account Access Consents API from UK Open Banking — 2 operation(s) for account access consents. - **UK Open Banking Accounts API** — The Accounts API from UK Open Banking — 2 operation(s) for accounts. - **UK Open Banking ATM API** — Endpoint for getting ATM data - **UK Open Banking Balances API** — The Balances API from UK Open Banking — 2 operation(s) for balances. - **UK Open Banking BCA API** — Endpoint for getting Business Current Account data - **UK Open Banking Beneficiaries API** — The Beneficiaries API from UK Open Banking — 2 operation(s) for beneficiaries. - **UK Open Banking Branch API** — Endpoint for getting Branch data - **UK Open Banking CCC API** — Endpoint for getting Commercial Credit Card data - **UK Open Banking Direct Debits API** — The Direct Debits API from UK Open Banking — 2 operation(s) for direct debits. - **UK Open Banking Domestic Payment Consents API** — The Domestic Payment Consents API from UK Open Banking — 3 operation(s) for domestic payment consents. - **UK Open Banking Domestic Payments API** — The Domestic Payments API from UK Open Banking — 3 operation(s) for domestic payments. - **UK Open Banking Domestic Scheduled Payment Consents API** — The Domestic Scheduled Payment Consents API from UK Open Banking — 2 operation(s) for domestic scheduled payment consents. - **UK Open Banking Domestic Scheduled Payments API** — The Domestic Scheduled Payments API from UK Open Banking — 3 operation(s) for domestic scheduled payments. - **UK Open Banking Domestic Standing Order Consents API** — The Domestic Standing Order Consents API from UK Open Banking — 2 operation(s) for domestic standing order consents. - **UK Open Banking Domestic Standing Orders API** — The Domestic Standing Orders API from UK Open Banking — 3 operation(s) for domestic standing orders. - **UK Open Banking Domestic VRP Consents API** — The Domestic VRP Consents API from UK Open Banking — 3 operation(s) for domestic vrp consents. - **UK Open Banking Domestic VRPs API** — The Domestic VRPs API from UK Open Banking — 3 operation(s) for domestic vrps. - **UK Open Banking Event Notification API** — The Event Notification API from UK Open Banking — 1 operation(s) for event notification. - **UK Open Banking Event Subscriptions API** — The Event Subscriptions API from UK Open Banking — 2 operation(s) for event subscriptions. - **UK Open Banking Events API** — The Events API from UK Open Banking — 1 operation(s) for events. - **UK Open Banking File Payment Consents API** — The File Payment Consents API from UK Open Banking — 3 operation(s) for file payment consents. - **UK Open Banking File Payments API** — The File Payments API from UK Open Banking — 4 operation(s) for file payments. - **UK Open Banking Funds Confirmation Consents API** — The Funds Confirmation Consents API from UK Open Banking — 2 operation(s) for funds confirmation consents. - **UK Open Banking Funds Confirmations API** — The Funds Confirmations API from UK Open Banking — 1 operation(s) for funds confirmations. - **UK Open Banking International Payment Consents API** — The International Payment Consents API from UK Open Banking — 3 operation(s) for international payment consents. - **UK Open Banking International Payments API** — The International Payments API from UK Open Banking — 3 operation(s) for international payments. - **UK Open Banking International Scheduled Payments API** — The International Scheduled Payments API from UK Open Banking — 3 operation(s) for international scheduled payments. - **UK Open Banking International Scheduled Payments Consents API** — The International Scheduled Payments Consents API from UK Open Banking — 3 operation(s) for international scheduled payments consents. - **UK Open Banking International Standing Orders API** — The International Standing Orders API from UK Open Banking — 3 operation(s) for international standing orders. - **UK Open Banking International Standing Orders Consents API** — The International Standing Orders Consents API from UK Open Banking — 2 operation(s) for international standing orders consents. - **UK Open Banking Offers API** — The Offers API from UK Open Banking — 2 operation(s) for offers. - **UK Open Banking Parties API** — The Parties API from UK Open Banking — 3 operation(s) for parties. - **UK Open Banking PCA API** — Endpoint for getting Personal Current Account data - **UK Open Banking Products API** — The Products API from UK Open Banking — 2 operation(s) for products. - **UK Open Banking Scheduled Payments API** — The Scheduled Payments API from UK Open Banking — 2 operation(s) for scheduled payments. - **UK Open Banking SME API** — Endpoint for getting Unsecured SME Loan data - **UK Open Banking Standing Orders API** — The Standing Orders API from UK Open Banking — 2 operation(s) for standing orders. - …and 2 more, listed in full on the page. ## Agentic access (1) - **Open Banking Uk Agentic Access** — 101 operations · 31 acting ## Security (2) - **Open Banking Uk Authentication** — oauth2 · 2 schemes - **Open Banking Uk Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC ## Plans (1) - **Plans** ## Tags Open Banking, Financial-Services, Payments, Account Information, PSD2, UK, Banking, Fintech, Regulated --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/open-banking-uk/). Scores are computed from the provider's own public artifacts under a published rubric.