# Recognise Bank

**Canonical:** https://apis.io/providers/recognise-bank/  
**Website:** https://recognisebank.co.uk/  
**APIs profiled:** 4

Recognise Bank Limited is a UK challenger bank focused on the SME sector and the personal and business savings markets, offering fixed-rate, notice, and easy-access savings accounts alongside secured SME lending such as bridging loans and commercial mortgages. Formed out of AIM-listed City of London Group and now majority owned by Gibraltar-based Parasol V27 Limited (the Ruth Parasol family office), it is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority under FRN 849404, with deposits protected by the FSCS. As a deposit-and-lending institution that does not offer payment/current accounts, Recognise Bank is not one of the CMA9 and publishes no dedicated developer portal, Open Banking Open Data endpoint, or Read/Write API surface at review time; the UK Open Banking (OBIE / PSD2) API families are represented here as the shared industry standard the bank would conform to if it exposed regulated account and payment interfaces, not as confirmed Recognise-operated endpoints.

## Kin Score — 38.6 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 38.6).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.2 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 14.3 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 88.6 (matched via tags).

## Agent readiness — 37.2 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| 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 | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

No public developer API confirmed — onboarding: unknown, pricing: unknown, trial: no (confidence: high).

## APIs (4)

- **UK Open Banking Open Data API (OBIE Standard)** — Shared UK Open Banking Open Data standard for public, unauthenticated reference data (ATMs, branches, personal and business current accounts, unsecured SME loans, commercial cre...
- **UK Open Banking Account & Transaction Information API (OBIE Standard)** — Shared OBIE Read/Write Account & Transaction Information (AIS) standard, FAPI-secured with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. Included as the OBIE...
- **UK Open Banking Payment Initiation API (OBIE Standard)** — Shared OBIE Read/Write Payment Initiation (PIS) standard, FAPI-secured with OAuth2/OIDC, mutual-TLS, and PSD2 SCA. Included as the OBIE v4.0 standard specification, not a confir...
- **UK Open Banking Confirmation of Funds API (OBIE Standard)** — Shared OBIE Read/Write Confirmation of Funds (CBPII) standard, FAPI-secured with OAuth2/OIDC, mutual-TLS, and PSD2 SCA. Included as the OBIE v4.0 standard specification, not a c...

## Security (3)

- **Recognise Bank Authentication** — oauth2 · 2 schemes
- **Recognise Bank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Recognise Bank Vulnerability Disclosure** — contact published

## Tags

Financial-Services, Banking, Open Banking, PSD2, OBIE, United Kingdom, Savings, SME Lending, Fintech, Account Information

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