# Shawbrook Bank

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

Shawbrook Bank Limited is a specialist UK savings and lending bank (trading as Shawbrook, part of Shawbrook Group plc, which listed on the London Stock Exchange in October 2025 after being owned by a consortium led by BC Partners and Pollen Street Capital since 2017). It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA, and its deposits are protected by the Financial Services Compensation Scheme. Shawbrook focuses on personal and business savings and specialist lending (property finance, SME and asset finance, and consumer lending) rather than personal current accounts, so it is not one of the nine CMA-mandated banks (CMA9). As an FCA-authorised deposit-taker it operates within the UK Open Banking / PSD2 framework: it consumes Open Banking (using account verification via Consents.Online to confirm customers' linked nominated accounts) more than it publishes ASPSP surfaces. As of this review Shawbrook does not operate a public developer portal, and no Shawbrook Open Data (ATM/branch/product) endpoint or bank-specific Read/Write API host could be confirmed live; the OBIE Open Data and Read/Write API families are represented here as the shared Open Banking standard that an FCA-authorised ASPSP conforms to, not as verified Shawbrook contracts.

## Kin Score — 36.1 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 35.0).

| Facet | Score |
|---|---|
| Discoverability | 83.3 |
| Contract Quality | 51.2 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 20.8 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 75.9 (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)

- **Shawbrook Open Data API (OBIE Standard, Unverified)** — UK Open Banking Open Data API — the PUBLIC, unauthenticated reference-data surface (ATM locations, branches, personal and business current accounts, unsecured SME loans, commerc...
- **Shawbrook Account & Transaction Information API (AIS, OBIE Standard, Unverified)** — UK Open Banking Read/Write Account & Transaction Information API (AISP) as defined by the OBIE Account and Transaction API Specification v4.0.1 (OpenAPI 3.0.0). FAPI-secured — O...
- **Shawbrook Payment Initiation API (PIS, OBIE Standard, Unverified)** — UK Open Banking Read/Write Payment Initiation API (PISP) as defined by the OBIE Payment Initiation API Specification v4.0.1 (OpenAPI 3.0.0). FAPI-secured with OAuth2/OIDC, mutua...
- **Shawbrook Confirmation of Funds API (CBPII, OBIE Standard, Unverified)** — UK Open Banking Read/Write Confirmation of Funds API (CBPII) as defined by the OBIE Confirmation of Funds API Specification v4.0.1 (OpenAPI 3.0.0). FAPI-secured with OAuth2/OIDC...

## Agentic access (1)

- **Shawbrook Bank Agentic Access** — 86 operations · 20 acting

## Security (2)

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

## Tags

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

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