Skipton Building Society website screenshot

Skipton Building Society

Skipton Building Society is a UK mutual building society founded in 1853 and headquartered in Skipton, North Yorkshire. It is the fourth-largest building society in the United Kingdom, owned by and run for the benefit of its members rather than shareholders, and is the parent of the wider Skipton Group (which includes the Connells estate-agency group and Skipton International). Skipton is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and PRA, and is a member of the Building Societies Association. Its core business is retail savings and residential mortgages together with financial advice; it does not offer personal current accounts. Within UK Open Banking (PSD2 / OBIE) Skipton has historically acted as a consumer of Open Banking data - notably using Experian's Open Banking service to verify mortgage-affordability from applicant bank data - rather than as an account-servicing payment service provider (ASPSP) publishing a public developer platform. As of this profile Skipton exposes no public developer portal and is not listed among the CMA9 or the wider set of banks and building societies that publish live UK Open Banking Open Data or Read/Write APIs; the Open Banking API entries below are represented as the shared OBIE standard the society would conform to if it published these surfaces, and are explicitly unverified for Skipton.

Skipton Building Society publishes 6 APIs on the APIs.io network, including ATM API, BCA API, Branch API, and 3 more. Tagged areas include Financial-Services, Banking, Building Society, Open Banking, and PSD2.

Skipton Building Society’s developer surface includes support, engineering blog, authentication, and 17 more developer resources.

🌐 Visit website 📡 Source on GitHub
35.4/100 thin ▬ flat Agent 21/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
1 APIs
Financial-ServicesBankingBuilding SocietyOpen BankingPSD2OBIEUnited KingdomMortgagesSavingsAccount InformationPayments

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Composite quality — 35.4/100 · thin
Contract Quality 6.9 / 21
Developer Ergonomics 6.1 / 17
Access Clarity 9.7 / 17
Operational Transparency 1.2 / 11
Contract Governance 0.5 / 10
Discoverability 5.7 / 9
Regulatory Posture 4.7 / 15
Agent readiness — 21/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 6 / 6
MCP Server 0 / 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 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 4 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
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 does not apply to this provider. The published contracts declare no write operations, and a read-only API cannot create-or-update. The facet is excluded from this provider's denominator entirely — not scored zero. A reference or data API is not deficient for being unable to upsert.
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/skipton-building-society: 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 9

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

Skipton Account & Transaction Information API (OBIE Read/Write Standard)

Account and Transaction Information Services (AIS) as defined by the OBIE Read/Write API Standard - FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 strong customer authentication). ...

Skipton Payment Initiation API (OBIE Read/Write Standard)

Payment Initiation Services (PIS) as defined by the OBIE Read/Write API Standard - FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA). Represented here as the shared OBIE standard...

Skipton Confirmation of Funds API (OBIE Read/Write Standard)

Confirmation of Funds Services (CBPII) as defined by the OBIE Read/Write API Standard - FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA). Represented here as the shared OBIE sta...

Skipton Building Society ATM API

Endpoint for getting ATM data

Skipton Building Society BCA API

Endpoint for getting Business Current Account data

Skipton Building Society Branch API

Endpoint for getting Branch data

Skipton Building Society CCC API

Endpoint for getting Commercial Credit Card data

Skipton Building Society PCA API

Endpoint for getting Personal Current Account data

Skipton Building Society SME API

Endpoint for getting Unsecured SME Loan data

Scroll for all 9

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Open Data API

OPEN COLLECTION

Security Posture 2

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

Skipton Building Society Authentication

0 schemes

SECURITY

Skipton Building Society Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown
 LLMsTxt
LLMsTxt

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Conventions
Conventions

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Security
Security
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

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
LinkedIn

Other 5

Properties that don't map to a standard resource type

CapabilityMap
CapabilityMap
 BranchLocator
BranchLocator
 Standard
Standard
 Standard
Standard
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: skipton-building-society
url: https://raw.githubusercontent.com/api-evangelist/skipton-building-society/refs/heads/main/apis.yml
name: Skipton Building Society
kind: company
description: Skipton Building Society is a UK mutual building society founded in 1853 and headquartered in Skipton, North
  Yorkshire. It is the fourth-largest building society in the United Kingdom, owned by and run for the benefit of its members
  rather than shareholders, and is the parent of the wider Skipton Group (which includes the Connells estate-agency group
  and Skipton International). Skipton is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial
  Conduct Authority (FCA) and PRA, and is a member of the Building Societies Association. Its core business is retail savings
  and residential mortgages together with financial advice; it does not offer personal current accounts. Within UK Open Banking
  (PSD2 / OBIE) Skipton has historically acted as a consumer of Open Banking data - notably using Experian's Open Banking
  service to verify mortgage-affordability from applicant bank data - rather than as an account-servicing payment service
  provider (ASPSP) publishing a public developer platform. As of this profile Skipton exposes no public developer portal and
  is not listed among the CMA9 or the wider set of banks and building societies that publish live UK Open Banking Open Data
  or Read/Write APIs; the Open Banking API entries below are represented as the shared OBIE standard the society would conform
  to if it published these surfaces, and are explicitly unverified for Skipton.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: No public developer portal identified
  confidence: low
  source:
  - manual-research
  generated: '2026-07-23'
  method: manual
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Building Society
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Mortgages
- Savings
- Account Information
- Payments
tags_raw:
- Financial Services
- Banking
- Building Society
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Mortgages
- Savings
- Account Information
- Payments
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: skipton-building-society:skipton-account-information-api
  name: Skipton Account & Transaction Information API (OBIE Read/Write Standard)
  description: Account and Transaction Information Services (AIS) as defined by the OBIE Read/Write API Standard - FAPI-secured
    (OAuth2/OIDC, mutual-TLS, PSD2 strong customer authentication). Represented here as the shared OBIE standard; Skipton
    ASPSP publication is unverified (see review.yml).
  humanURL: https://openbankinguk.github.io/read-write-api-site3/
  tags:
  - Account Information
  - AISP
  properties:
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: skipton-building-society:skipton-payment-initiation-api
  name: Skipton Payment Initiation API (OBIE Read/Write Standard)
  description: Payment Initiation Services (PIS) as defined by the OBIE Read/Write API Standard - FAPI-secured (OAuth2/OIDC,
    mutual-TLS, PSD2 SCA). Represented here as the shared OBIE standard; Skipton ASPSP publication is unverified (see review.yml).
  humanURL: https://openbankinguk.github.io/read-write-api-site3/
  tags:
  - Payment Initiation
  - PISP
  properties:
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: skipton-building-society:skipton-confirmation-of-funds-api
  name: Skipton Confirmation of Funds API (OBIE Read/Write Standard)
  description: Confirmation of Funds Services (CBPII) as defined by the OBIE Read/Write API Standard - FAPI-secured (OAuth2/OIDC,
    mutual-TLS, PSD2 SCA). Represented here as the shared OBIE standard; Skipton ASPSP publication is unverified (see review.yml).
  humanURL: https://openbankinguk.github.io/read-write-api-site3/
  tags:
  - Confirmation of Funds
  - CBPII
  properties:
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: skipton-building-society:skipton-building-society-atm-api
  name: Skipton Building Society ATM API
  description: Endpoint for getting ATM data
  humanURL: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  tags:
  - ATM
  properties:
  - type: OpenAPI
    url: openapi/skipton-building-society-atm-api-openapi.yml
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
- aid: skipton-building-society:skipton-building-society-bca-api
  name: Skipton Building Society BCA API
  description: Endpoint for getting Business Current Account data
  humanURL: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  tags:
  - BCA
  properties:
  - type: OpenAPI
    url: openapi/skipton-building-society-bca-api-openapi.yml
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
- aid: skipton-building-society:skipton-building-society-branch-api
  name: Skipton Building Society Branch API
  description: Endpoint for getting Branch data
  humanURL: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  tags:
  - Branch
  properties:
  - type: OpenAPI
    url: openapi/skipton-building-society-branch-api-openapi.yml
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
- aid: skipton-building-society:skipton-building-society-ccc-api
  name: Skipton Building Society CCC API
  description: Endpoint for getting Commercial Credit Card data
  humanURL: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  tags:
  - CCC
  properties:
  - type: OpenAPI
    url: openapi/skipton-building-society-ccc-api-openapi.yml
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
- aid: skipton-building-society:skipton-building-society-pca-api
  name: Skipton Building Society PCA API
  description: Endpoint for getting Personal Current Account data
  humanURL: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  tags:
  - PCA
  properties:
  - type: OpenAPI
    url: openapi/skipton-building-society-pca-api-openapi.yml
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
- aid: skipton-building-society:skipton-building-society-sme-api
  name: Skipton Building Society SME API
  description: Endpoint for getting Unsecured SME Loan data
  humanURL: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  tags:
  - SME
  properties:
  - type: OpenAPI
    url: openapi/skipton-building-society-sme-api-openapi.yml
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
common:
- type: CapabilityMap
  url: capabilities/skipton-building-society-capability-edges.yml
  name: Skipton Building Society Business Capability Map
- type: DomainSecurity
  url: security/skipton-building-society-domain-security.yml
- type: Website
  url: https://www.skipton.co.uk/
- type: About
  url: https://www.skipton.co.uk/about-us
- type: BranchLocator
  url: https://www.skipton.co.uk/help-and-support/branch-finder
- type: Support
  url: https://www.skipton.co.uk/help-and-support/contact-us
- type: Security
  url: https://www.skipton.co.uk/help-and-support/fraud-and-security
- type: Blog
  url: https://www.skipton.co.uk/press-office
- type: TermsOfService
  url: https://www.skipton.co.uk/legal-notice
- type: PrivacyPolicy
  url: https://www.skipton.co.uk/privacy-policy
- type: LinkedIn
  url: https://www.linkedin.com/company/skipton-building-society
- type: Standard
  name: OBIE Open Data API Specification
  url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
- type: Standard
  name: OBIE Read/Write API Specification
  url: https://github.com/OpenBankingUK/read-write-api-specs
- type: Authentication
  url: authentication/skipton-building-society-authentication.yml
- type: Conformance
  url: conformance/skipton-building-society-conformance.yml
- type: ErrorCatalog
  url: errors/skipton-building-society-problem-types.yml
- type: Conventions
  url: conventions/skipton-building-society-conventions.yml
- type: WellKnown
  url: well-known/skipton-building-society-well-known.yml
- type: LLMsTxt
  url: llms/skipton-building-society-llms.txt
- type: Overlay
  url: overlays/skipton-building-society-obie-opendata-overlay.yaml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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