Paragon Bank

Paragon Bank PLC is a UK specialist lender and retail savings bank, the principal banking subsidiary of Paragon Banking Group PLC (LSE: PAG), a FTSE 250 company founded in 1985 and headquartered in Solihull, West Midlands. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number 604551, company number 05390593), Paragon offers fixed-rate and easy-access savings accounts and cash ISAs alongside buy-to-let and residential mortgages, second-charge mortgages, development finance, motor finance, and asset and commercial lending. As a savings-and-lending institution rather than a personal current account provider, Paragon is not one of the CMA9 and publishes no public developer portal or Open Banking API surface of its own - its accounts are reachable to third parties only through account-information aggregators. This profile represents the UK Open Banking Implementation Entity (OBIE) standard - the PSD2 Open Data reference APIs and the FAPI-secured Read/Write family (Account and Transaction Information, Payment Initiation, Confirmation of Funds) - captured verbatim as the shared industry standard and clearly labelled as unverified for this bank; no Paragon-hosted endpoint was confirmed at profiling time.

Paragon Bank publishes 4 APIs on the APIs.io network, including Open Data API (OBIE standard, unverified), Account and Transaction Information API (OBIE standard, unverified), Payment Initiation API (OBIE standard, unverified), and 1 more. Tagged areas include Financial Services, Banking, Savings, Mortgages, and Specialist Lender.

Paragon Bank’s developer surface includes authentication, support, pricing, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
37.8/100 thin ▬ flat Agent 74/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
4 APIs 1 MCP Servers
Financial ServicesBankingSavingsMortgagesSpecialist LenderOpen BankingPSD2OBIEUnited KingdomAccount Information

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 37.8/100 · thin
Contract Quality 13.5 / 25
Developer Ergonomics 6.1 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Agent readiness — 74/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 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 0 / 4
Consent & Bot Identity 0 / 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/paragon-bank: 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 4

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

Paragon Bank Open Data API (OBIE standard, unverified)

The UK Open Banking Open Data API - a public, unauthenticated reference-data surface (ATMs, branches, personal and business current accounts, unsecured SME loans, commercial cre...

Paragon Bank Account and Transaction Information API (OBIE standard, unverified)

The OBIE Read/Write Account and Transaction Information (AIS) API standard - FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 strong customer authentication) account, balance, transa...

Paragon Bank Payment Initiation API (OBIE standard, unverified)

The OBIE Read/Write Payment Initiation (PIS) API standard - FAPI-secured initiation of domestic, scheduled, standing-order, international, and file payments on behalf of a custo...

Paragon Bank Confirmation of Funds API (OBIE standard, unverified)

The OBIE Read/Write Confirmation of Funds (CBPII) API standard - FAPI-secured yes/no confirmation of available funds for a card-based payment instrument issuer. Captured here as...

MCP Servers 1

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

paragon-bank-mcp.yml

MCP SERVER

Security Posture 2

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

Paragon Bank Authentication

oauth2 · 2 schemes

SECURITY

Paragon Bank Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Paragon Bank Scopes

3 scopes · clientCredentials/authorizationCode

3 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Paragon Bank Agentic Access

86 operations · 20 acting

86 operations · 20 acting

AGENTIC

Resources

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 Conventions
Conventions
 Idempotency
Idempotency
 Lifecycle
Lifecycle

Build 1

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk
ToolCrosswalk

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 OAuthScopes
OAuthScopes
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService

Company 4

The organization behind the API

Website
Website
 About
About
 Website
Website
 LinkedIn
LinkedIn

Other 4

Properties that don't map to a standard resource type

Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: paragon-bank
url: https://raw.githubusercontent.com/api-evangelist/paragon-bank/refs/heads/main/apis.yml
name: Paragon Bank
kind: company
description: 'Paragon Bank PLC is a UK specialist lender and retail savings bank, the principal banking subsidiary of Paragon
  Banking Group PLC (LSE: PAG), a FTSE 250 company founded in 1985 and headquartered in Solihull, West Midlands. Authorised
  by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
  (Firm Reference Number 604551, company number 05390593), Paragon offers fixed-rate and easy-access savings accounts and
  cash ISAs alongside buy-to-let and residential mortgages, second-charge mortgages, development finance, motor finance, and
  asset and commercial lending. As a savings-and-lending institution rather than a personal current account provider, Paragon
  is not one of the CMA9 and publishes no public developer portal or Open Banking API surface of its own - its accounts are
  reachable to third parties only through account-information aggregators. This profile represents the UK Open Banking Implementation
  Entity (OBIE) standard - the PSD2 Open Data reference APIs and the FAPI-secured Read/Write family (Account and Transaction
  Information, Payment Initiation, Confirmation of Funds) - captured verbatim as the shared industry standard and clearly
  labelled as unverified for this bank; no Paragon-hosted endpoint was confirmed at profiling time.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Savings
- Mortgages
- Specialist Lender
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Account Information
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: paragon-bank:paragon-open-data-api
  name: Paragon Bank Open Data API (OBIE standard, unverified)
  description: The UK Open Banking Open Data API - a public, unauthenticated reference-data surface (ATMs, branches, personal
    and business current accounts, unsecured SME loans, commercial credit cards) defined by the Open Banking Implementation
    Entity. Captured here as the shared OBIE standard; Paragon Bank does not publish a confirmed Open Data endpoint (no live
    host was verified) and, as a savings-and-lending bank without current accounts, has no CMA9 Open Data obligation.
  humanURL: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  tags:
  - Open Data
  - Reference Data
  - Public
  properties:
  - type: OpenAPI
    url: openapi/obie-opendata-standard.json
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
- aid: paragon-bank:paragon-account-information-api
  name: Paragon Bank Account and Transaction Information API (OBIE standard, unverified)
  description: The OBIE Read/Write Account and Transaction Information (AIS) API standard - FAPI-secured (OAuth2/OIDC, mutual-TLS,
    PSD2 strong customer authentication) account, balance, transaction, and party data access for authorised third parties.
    Captured here as the shared OBIE standard specification, not a Paragon-hosted contract; no Paragon AIS endpoint or developer
    onboarding was confirmed at profiling time.
  humanURL: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/account-and-transaction-api-profile.html
  tags:
  - Account Information
  - Transactions
  - AIS
  - FAPI
  properties:
  - type: OpenAPI
    url: openapi/obie-account-info-standard.yaml
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/account-and-transaction-api-profile.html
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: paragon-bank:paragon-payment-initiation-api
  name: Paragon Bank Payment Initiation API (OBIE standard, unverified)
  description: The OBIE Read/Write Payment Initiation (PIS) API standard - FAPI-secured initiation of domestic, scheduled,
    standing-order, international, and file payments on behalf of a customer with PSD2 strong customer authentication. Captured
    here as the shared OBIE standard specification, not a Paragon-hosted contract; no Paragon PIS endpoint was confirmed and
    Paragon does not document payment-initiation services.
  humanURL: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/payment-initiation-api-profile.html
  tags:
  - Payment Initiation
  - Payments
  - PIS
  - FAPI
  properties:
  - type: OpenAPI
    url: openapi/obie-payment-initiation-standard.yaml
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/payment-initiation-api-profile.html
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: paragon-bank:paragon-confirmation-of-funds-api
  name: Paragon Bank Confirmation of Funds API (OBIE standard, unverified)
  description: The OBIE Read/Write Confirmation of Funds (CBPII) API standard - FAPI-secured yes/no confirmation of available
    funds for a card-based payment instrument issuer. Captured here as the shared OBIE standard specification, not a Paragon-hosted
    contract; no Paragon CBPII endpoint was confirmed at profiling time.
  humanURL: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/confirmation-of-funds-api-profile.html
  tags:
  - Confirmation of Funds
  - CBPII
  - FAPI
  properties:
  - type: OpenAPI
    url: openapi/obie-confirmation-funds-standard.yaml
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/confirmation-of-funds-api-profile.html
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
common:
- type: AgenticAccess
  url: agentic-access/paragon-bank-agentic-access.yml
- type: DomainSecurity
  url: security/paragon-bank-domain-security.yml
- type: OAuthScopes
  url: scopes/paragon-bank-scopes.yml
- type: Authentication
  url: authentication/paragon-bank-authentication.yml
- type: Website
  url: https://www.paragonbank.co.uk/
- type: About
  url: https://www.paragonbank.co.uk/who-we-are
- type: Website
  name: Paragon Banking Group (parent)
  url: https://www.paragonbankinggroup.co.uk/
- type: LinkedIn
  url: https://uk.linkedin.com/company/paragon-banking-group-plc
- type: Support
  url: https://www.paragonbank.co.uk/contact-us
- type: Pricing
  name: Savings rates
  url: https://www.paragonbank.co.uk/savings
- type: TermsOfService
  url: https://www.paragonbank.co.uk/resources/paragonbank/documents/savings/general-terms-and-conditions
- type: ErrorCatalog
  url: errors/paragon-bank-problem-types.yml
- type: Conformance
  url: conformance/paragon-bank-conformance.yml
- type: Conventions
  url: conventions/paragon-bank-conventions.yml
- type: Idempotency
  url: conventions/paragon-bank-conventions.yml
- type: Lifecycle
  url: lifecycle/paragon-bank-lifecycle.yml
- type: MCPServer
  url: mcp/paragon-bank-mcp.yml
- type: ToolCrosswalk
  url: mcp/paragon-bank-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/paragon-bank-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  name: Account Info overlay
  url: overlays/paragon-bank-account-info-overlay.yaml
- type: Overlay
  name: Payment Initiation overlay
  url: overlays/paragon-bank-payment-initiation-overlay.yaml
- type: Overlay
  name: Confirmation of Funds overlay
  url: overlays/paragon-bank-confirmation-funds-overlay.yaml
- type: Overlay
  name: Open Data overlay
  url: overlays/paragon-bank-opendata-overlay.yaml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com