Secure Trust Bank

Secure Trust Bank PLC is an award-winning UK specialist bank, founded in 1952 in the West Midlands and headquartered in Solihull, providing savings accounts and specialist lending to over a million retail and business customers. It is a publicly listed company (London Stock Exchange: STB) rather than a mutual or building society, operating across Retail Finance (V12), Vehicle Finance, Real Estate Finance, Commercial Finance and personal Savings. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA (FRN 204550). As a UK ASPSP under PSD2 and the CMA Open Banking framework, its account offerings sit against the Open Banking Implementation Entity (OBIE) standards - a public, unauthenticated Open Data reference surface (ATMs, branches, products) and the FAPI-secured Read/Write APIs for Account and Transaction Information, Payment Initiation and Confirmation of Funds. Secure Trust Bank is a specialist lender and not one of the nine CMA9-mandated banks; as of this review it publishes no public developer portal or bank-branded Open Banking developer host, so the API surfaces below reference the shared OBIE standard specifications the bank's regulated products conform to, not proprietary Secure Trust Bank API contracts.

Secure Trust Bank publishes 4 APIs on the APIs.io network, including Open Data API (OBIE Standard), Account & Transaction Information API (OBIE Read/Write, AIS), Payment Initiation API (OBIE Read/Write, PIS), and 1 more. Tagged areas include Financial Services, Banking, Open Banking, PSD2, and OBIE.

Secure Trust Bank’s developer surface includes authentication, engineering blog, support, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub

41.5/100 thin ▬ flat Agent 74/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

4 APIs 1 MCP Servers

Financial ServicesBankingOpen BankingPSD2OBIEUnited KingdomPaymentsAccount InformationSpecialist LenderSavings

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 41.5/100 · thin

Contract Quality 13.5 / 25

Developer Ergonomics 6.5 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 2.4 / 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/secure-trust-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.

MCP Servers 1

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

Scopes 1

OAuth scopes governing access to this provider's APIs.

Secure Trust Bank Scopes

3 scopes · clientCredentials/authorizationCode

3 scopes

SCOPES

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

AgentSkill

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Conformance

Lifecycle

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk

ToolCrosswalk

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

OAuthScopes

Authentication

Security

Operate 2

Status, limits, changes, and where to get help

Deprecation

Deprecation

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

Website

About

About

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

OpenBankingStandard

OpenBankingStandard

Source (apis.yml)

aid: secure-trust-bank
url: https://raw.githubusercontent.com/api-evangelist/secure-trust-bank/refs/heads/main/apis.yml
name: Secure Trust Bank
kind: company
description: 'Secure Trust Bank PLC is an award-winning UK specialist bank, founded in 1952 in the West Midlands and headquartered
  in Solihull, providing savings accounts and specialist lending to over a million retail and business customers. It is a
  publicly listed company (London Stock Exchange: STB) rather than a mutual or building society, operating across Retail Finance
  (V12), Vehicle Finance, Real Estate Finance, Commercial Finance and personal Savings. It is authorised by the Prudential
  Regulation Authority and regulated by the Financial Conduct Authority and the PRA (FRN 204550). As a UK ASPSP under PSD2
  and the CMA Open Banking framework, its account offerings sit against the Open Banking Implementation Entity (OBIE) standards
  - a public, unauthenticated Open Data reference surface (ATMs, branches, products) and the FAPI-secured Read/Write APIs
  for Account and Transaction Information, Payment Initiation and Confirmation of Funds. Secure Trust Bank is a specialist
  lender and not one of the nine CMA9-mandated banks; as of this review it publishes no public developer portal or bank-branded
  Open Banking developer host, so the API surfaces below reference the shared OBIE standard specifications the bank''s regulated
  products conform to, not proprietary Secure Trust Bank API contracts.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- Specialist Lender
- Savings
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: secure-trust-bank:open-data-api
  name: Secure Trust Bank Open Data API (OBIE Standard)
  description: The UK Open Banking Open Data API - a public, unauthenticated reference-data surface for ATMs, branches and
    product information (Personal Current Accounts, Business Current Accounts, Unsecured SME Loans, Commercial Credit Cards,
    etc.) defined by the OBIE Open Data Standard v1.3. Represented here as the shared standard Secure Trust Bank's products
    conform to; no Secure Trust Bank Open Data host was confirmed live at review time.
  humanURL: https://openbankinguk.github.io/opendata-api-docs-pub/
  tags:
  - Open Data
  - Reference Data
  - ATMs
  - Branches
  - Products
  properties:
  - type: OpenAPI
    url: openapi/obie-open-data-standard-openapi.json
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
  - type: Overlay
    url: overlays/secure-trust-bank-open-data-overlay.yaml
- aid: secure-trust-bank:account-transaction-information-api
  name: Secure Trust Bank Account & Transaction Information API (OBIE Read/Write, AIS)
  description: The OBIE Read/Write Account and Transaction Information (AIS) API - FAPI-secured access to account, balance,
    transaction, standing order, direct debit and statement data with customer consent. FAPI-grade OAuth2/OIDC, mutual-TLS
    client authentication and PSD2 strong customer authentication apply; onboarding requires OBIE/eIDAS certificates. Represented
    here as the shared OBIE standard, not a proprietary Secure Trust Bank contract.
  humanURL: https://openbankinguk.github.io/read-write-api-site3/
  tags:
  - Account Information
  - AIS
  - Transactions
  - FAPI
  properties:
  - type: OpenAPI
    url: openapi/obie-account-info-standard-openapi.yaml
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Overlay
    url: overlays/secure-trust-bank-account-info-overlay.yaml
- aid: secure-trust-bank:payment-initiation-api
  name: Secure Trust Bank Payment Initiation API (OBIE Read/Write, PIS)
  description: The OBIE Read/Write Payment Initiation (PIS) API - FAPI-secured initiation of domestic, scheduled, standing-order,
    international and file payments on behalf of a consenting customer, with PSD2 strong customer authentication. Represented
    here as the shared OBIE standard, not a proprietary Secure Trust Bank contract.
  humanURL: https://openbankinguk.github.io/read-write-api-site3/
  tags:
  - Payment Initiation
  - PIS
  - Payments
  - FAPI
  properties:
  - type: OpenAPI
    url: openapi/obie-payment-initiation-standard-openapi.yaml
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Overlay
    url: overlays/secure-trust-bank-payment-initiation-overlay.yaml
- aid: secure-trust-bank:confirmation-of-funds-api
  name: Secure Trust Bank Confirmation of Funds API (OBIE Read/Write, CBPII)
  description: The OBIE Read/Write Confirmation of Funds (CBPII) API - FAPI-secured yes/no confirmation that funds are available
    on an account, for card-based payment instrument issuers, under PSD2 strong customer authentication. Represented here
    as the shared OBIE standard, not a proprietary Secure Trust Bank contract.
  humanURL: https://openbankinguk.github.io/read-write-api-site3/
  tags:
  - Confirmation of Funds
  - CBPII
  - FAPI
  properties:
  - type: OpenAPI
    url: openapi/obie-confirmation-of-funds-standard-openapi.yaml
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
  - type: Overlay
    url: overlays/secure-trust-bank-confirmation-of-funds-overlay.yaml
common:
- type: AgenticAccess
  url: agentic-access/secure-trust-bank-agentic-access.yml
- type: DomainSecurity
  url: security/secure-trust-bank-domain-security.yml
- type: OAuthScopes
  url: scopes/secure-trust-bank-scopes.yml
- type: Authentication
  url: authentication/secure-trust-bank-authentication.yml
- type: Conventions
  url: conventions/secure-trust-bank-conventions.yml
- type: Idempotency
  url: conventions/secure-trust-bank-conventions.yml
- type: ErrorCatalog
  url: errors/secure-trust-bank-problem-types.yml
- type: Conformance
  url: conformance/secure-trust-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/secure-trust-bank-lifecycle.yml
- type: Deprecation
  url: https://standards.openbanking.org.uk/
- type: DataModel
  url: data-model/secure-trust-bank-data-model.yml
- type: MCPServer
  url: mcp/secure-trust-bank-mcp.yml
- type: ToolCrosswalk
  url: mcp/secure-trust-bank-tool-crosswalk.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/secure-trust-bank-llms.txt
- type: Website
  url: https://www.securetrustbank.com/
- type: About
  url: https://www.securetrustbank.com/about-us
- type: Blog
  url: https://www.securetrustbank.com/newsroom
- type: Security
  url: https://www.securetrustbank.com/security
- type: Support
  url: https://www.securetrustbank.com/contact-us
- type: TermsOfService
  url: https://www.securetrustbank.com/website-terms
- type: PrivacyPolicy
  url: https://www.securetrustbank.com/privacy-statement
- type: LinkedIn
  url: https://www.linkedin.com/company/secure-trust-bank
- type: OpenBankingStandard
  url: https://www.openbanking.org.uk/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Secure Trust Bank

Kin Score

APIs 4

Secure Trust Bank Open Data API (OBIE Standard)

Secure Trust Bank Account & Transaction Information API (OBIE Read/Write, AIS)

Secure Trust Bank Payment Initiation API (OBIE Read/Write, PIS)

Secure Trust Bank Confirmation of Funds API (OBIE Read/Write, CBPII)

MCP Servers 1

secure-trust-bank-mcp.yml

Security Posture 2

Secure Trust Bank Authentication

Secure Trust Bank Domain Security