Redwood Bank website screenshot

Redwood Bank

Redwood Bank is a specialist UK challenger bank for small and medium-sized businesses, headquartered in Letchworth Garden City, Hertfordshire. Launched in 2017 after receiving its banking licence from the Prudential Regulation Authority and Financial Conduct Authority (Financial Services Register firm reference 755924, company number 09872265), it is wholly owned by Redwood Financial Partners Ltd — a vehicle controlled by Jonathan and David Rowland, with Warrington Borough Council holding a roughly one-third stake. Redwood focuses narrowly on business and charity savings accounts and individually underwritten commercial and buy-to-let mortgages, and is not one of the CMA9 mandated banks. Because its product range is deposit- and lending-only (it does not offer a payment / business current account), it falls outside the PSD2 scope that compels UK Open Banking, and as of this review it publishes no public developer portal, no OBIE Read/Write (AIS/PIS/CBPII) APIs, and no confirmed Open Banking Open Data endpoint.

Redwood Bank publishes 1 API on the APIs.io network. Tagged areas include Financial-Services, Banking, Business Banking, SME, and Savings.

Redwood Bank’s developer surface includes authentication, engineering blog, support, legal docs, and 7 more developer resources.

15.5/100 emerging ▬ flat Agent 11/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
AccessSelf serve
1 APIs
Financial-ServicesBankingBusiness BankingSMESavingsCommercial MortgagesOpen BankingPSD2OBIEUnited Kingdom

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
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/.
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 github.com/api-evangelist/redwood-bank: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

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

Redwood Bank Website Member Authentication (Umbraco Delivery API)

The OpenID Connect member-authentication surface (OpenIddict) behind the Umbraco headless-CMS "Content Delivery API" that powers redwoodbank.co.uk. This is the only live, machin...

Security Posture 2

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

Redwood Bank Authentication

oauth2/openIdConnect · 2 schemes

SECURITY

Redwood Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Access & Security 2

Authentication, authorization, and security posture

Operate 1

Status, limits, changes, and where to get help

Commercial 3

Pricing, plans, and the legal terms of use

Company 3

The organization behind the API

Source (apis.yml)

apis.yml Raw ↑
aid: redwood-bank
url: https://raw.githubusercontent.com/api-evangelist/redwood-bank/refs/heads/main/apis.yml
name: Redwood Bank
kind: company
description: Redwood Bank is a specialist UK challenger bank for small and medium-sized businesses, headquartered in Letchworth
  Garden City, Hertfordshire. Launched in 2017 after receiving its banking licence from the Prudential Regulation Authority
  and Financial Conduct Authority (Financial Services Register firm reference 755924, company number 09872265), it is wholly
  owned by Redwood Financial Partners Ltd — a vehicle controlled by Jonathan and David Rowland, with Warrington Borough Council
  holding a roughly one-third stake. Redwood focuses narrowly on business and charity savings accounts and individually underwritten
  commercial and buy-to-let mortgages, and is not one of the CMA9 mandated banks. Because its product range is deposit- and
  lending-only (it does not offer a payment / business current account), it falls outside the PSD2 scope that compels UK Open
  Banking, and as of this review it publishes no public developer portal, no OBIE Read/Write (AIS/PIS/CBPII) APIs, and no
  confirmed Open Banking Open Data endpoint.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Business Banking
- SME
- Savings
- Commercial Mortgages
- Open Banking
- PSD2
- OBIE
- United Kingdom
tags_raw:
- Financial Services
- Banking
- Business Banking
- SME
- Savings
- Commercial Mortgages
- Open Banking
- PSD2
- OBIE
- United Kingdom
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- name: Redwood Bank Website Member Authentication (Umbraco Delivery API)
  description: The OpenID Connect member-authentication surface (OpenIddict) behind the Umbraco headless-CMS "Content Delivery
    API" that powers redwoodbank.co.uk. This is the only live, machine-readable API surface published on the domain; it authenticates
    website members / gated content and is NOT an Open Banking or banking-product API. Discovered via the live /.well-known/openid-configuration
    and JWKS documents.
  humanURL: https://www.redwoodbank.co.uk/
  baseURL: https://redwoodbank.co.uk/umbraco/delivery/api/v1/
  properties:
  - type: OpenIDConnect
    url: https://www.redwoodbank.co.uk/.well-known/openid-configuration
  - type: Authentication
    url: authentication/redwood-bank-authentication.yml
  - type: WellKnown
    url: well-known/redwood-bank-well-known.yml
  - type: Conformance
    url: conformance/redwood-bank-conformance.yml
common:
- type: DomainSecurity
  url: security/redwood-bank-domain-security.yml
- type: WellKnown
  url: well-known/redwood-bank-well-known.yml
- type: Authentication
  url: authentication/redwood-bank-authentication.yml
- type: Conformance
  url: conformance/redwood-bank-conformance.yml
- type: Website
  url: https://www.redwoodbank.co.uk/
- type: Blog
  url: https://redwoodbank.co.uk/news
- type: Support
  url: https://redwoodbank.co.uk/contact-us/support
- type: TermsOfService
  url: https://redwoodbank.co.uk/legal/website-terms
- type: PrivacyPolicy
  url: https://redwoodbank.co.uk/legal/privacy
- type: Legal
  url: https://redwoodbank.co.uk/legal
- type: LinkedIn
  url: https://www.linkedin.com/company/redwoodbank/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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