# Secure Trust Bank

**Canonical:** https://apis.io/providers/secure-trust-bank/  
**Website:** https://www.securetrustbank.com/  
**APIs profiled:** 4

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.

## Kin Score — 40.3 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 40.3).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 51.2 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 20.8 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 81.0 (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)

- **Secure Trust Bank Open Data API (OBIE Standard)** — The UK Open Banking Open Data API - a public, unauthenticated reference-data surface for ATMs, branches and product information (Personal Current Accounts, Business Current Acco...
- **Secure Trust Bank Account & Transaction Information API (OBIE Read/Write, AIS)** — 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 cu...
- **Secure Trust Bank Payment Initiation API (OBIE Read/Write, PIS)** — 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 cust...
- **Secure Trust Bank Confirmation of Funds API (OBIE Read/Write, CBPII)** — 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...

## MCP servers (1)

- **Secure Trust Bank MCP Server**

## Agentic access (1)

- **Secure Trust Bank Agentic Access** — 86 operations · 20 acting

## Security (2)

- **Secure Trust Bank Authentication** — oauth2 · 2 schemes
- **Secure Trust Bank Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

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

---

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