# Paragon Bank

**Canonical:** https://apis.io/providers/paragon-bank/  
**Website:** https://www.paragonbank.co.uk/  
**APIs profiled:** 4

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.

## Kin Score — 35.1 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 35.1).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 51.2 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 18.5 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 65.8 (matched via tags).

## Agent readiness — 40.4 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| 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 | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (4)

- **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)

- **Paragon Bank MCP Server**

## Agentic access (1)

- **Paragon Bank Agentic Access** — 86 operations · 20 acting

## Security (2)

- **Paragon Bank Authentication** — oauth2 · 2 schemes
- **Paragon Bank Domain Security** — TLSv1.3 · DMARC

## Tags

Financial-Services, Banking, Savings, Mortgages, Specialist Lender, Open Banking, PSD2, OBIE, United Kingdom, Account Information

---

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