# Redwood Bank

**Canonical:** https://apis.io/providers/redwood-bank/  
**Website:** https://www.redwoodbank.co.uk/  
**APIs profiled:** 1

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.

## Kin Score — 16.6 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 15.5).

| Facet | Score |
|---|---|
| Discoverability | 79.6 |
| Contract Quality | 0.0 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 31.6 (matched via tags).

## Agent readiness — 8.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (1)

- **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 (2)

- **Redwood Bank Authentication** — oauth2/openIdConnect · 2 schemes
- **Redwood Bank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Financial-Services, Banking, Business Banking, SME, Savings, Commercial Mortgages, Open Banking, PSD2, OBIE, United Kingdom

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