Tandem Bank

aid: tandem-bank
url: https://raw.githubusercontent.com/api-evangelist/tandem-bank/refs/heads/main/apis.yml
name: Tandem Bank
kind: company
description: Tandem Bank (Tandem Bank Limited) is a UK app-only challenger and self-styled "greener" digital bank founded
  in 2014 and headquartered in Blackpool, England, with offices in Cardiff, Durham, and London. It obtained its UK banking
  licence through the 2018 acquisition of Harrods Bank and has since grown by acquiring Allium Lending Group, Oplo, and Loop
  Money, offering savings and cash ISAs, green home-improvement and home loans, mortgages, motor finance, and a credit card.
  Tandem Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.
  It is not one of the CMA9 and does not publish a public Open Data reference API; as an FCA-authorised ASPSP it meets UK
  Open Banking / PSD2 obligations through a dedicated interface provided by Token, conformant to the Open Banking Implementation
  Entity (OBIE) Read/Write Standard for Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation
  of Funds (CBPII), secured with FAPI-grade OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. Tandem also
  consumes Open Banking as a TPP via TrueLayer for savings onboarding and transfers.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- FAPI
- United Kingdom
- Payments
- Account Information
- Challenger Bank
- Fintech
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: tandem-bank:tandem-bank-account-transaction-information-api
  name: Tandem Bank Account and Transaction Information API (AIS)
  description: Tandem Bank's Open Banking Account Information Service (AIS) exposing account, balance, transaction, and product
    data for its credit card and savings products. Delivered through Tandem's PSD2 dedicated interface (provided by Token),
    conformant to the OBIE Read/Write Account and Transaction API Standard. FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA);
    production base URL is issued per authorised TPP during Token onboarding and is not publicly published. The attached OpenAPI
    is the shared OBIE standard specification, not a Tandem-proprietary contract.
  humanURL: https://developer.token.io/
  tags:
  - Account Information
  - AISP
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/obie-standard-account-info-openapi.yaml
  - type: Overlay
    url: overlays/tandem-bank-account-info-overlay.yaml
  - type: Documentation
    url: https://developer.token.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: tandem-bank:tandem-bank-payment-initiation-api
  name: Tandem Bank Payment Initiation API (PIS)
  description: Tandem Bank's Open Banking Payment Initiation Service (PIS) for initiating domestic and other payments against
    Tandem accounts. Delivered through Tandem's PSD2 dedicated interface (provided by Token), conformant to the OBIE Read/Write
    Payment Initiation API Standard. FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA); production base URL is issued per authorised
    TPP during Token onboarding and is not publicly published. The attached OpenAPI is the shared OBIE standard specification,
    not a Tandem-proprietary contract.
  humanURL: https://developer.token.io/
  tags:
  - Payment Initiation
  - PISP
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/obie-standard-payment-initiation-openapi.yaml
  - type: Overlay
    url: overlays/tandem-bank-payment-initiation-overlay.yaml
  - type: Documentation
    url: https://developer.token.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: tandem-bank:tandem-bank-confirmation-of-funds-api
  name: Tandem Bank Confirmation of Funds API (CBPII)
  description: Tandem Bank's Open Banking Confirmation of Funds Service (CBPII) allowing card-based payment instrument issuers
    to confirm the availability of funds. Delivered through Tandem's PSD2 dedicated interface (provided by Token), conformant
    to the OBIE Read/Write Confirmation of Funds API Standard. FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA); production
    base URL is issued per authorised TPP during Token onboarding and is not publicly published. The attached OpenAPI is the
    shared OBIE standard specification, not a Tandem-proprietary contract.
  humanURL: https://developer.token.io/
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/obie-standard-confirmation-funds-openapi.yaml
  - type: Overlay
    url: overlays/tandem-bank-confirmation-funds-overlay.yaml
  - type: Documentation
    url: https://developer.token.io/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
common:
- type: DomainSecurity
  url: security/tandem-bank-domain-security.yml
- type: AgenticAccess
  url: agentic-access/tandem-bank-agentic-access.yml
- type: OAuthScopes
  url: scopes/tandem-bank-scopes.yml
- type: Authentication
  url: authentication/tandem-bank-authentication.yml
- type: Conventions
  url: conventions/tandem-bank-conventions.yml
- type: Idempotency
  url: conventions/tandem-bank-conventions.yml
- type: ErrorCatalog
  url: errors/tandem-bank-problem-types.yml
- type: Conformance
  url: conformance/tandem-bank-conformance.yml
- type: DataModel
  url: data-model/tandem-bank-data-model.yml
- type: Lifecycle
  url: lifecycle/tandem-bank-lifecycle.yml
- type: MCPServer
  url: mcp/tandem-bank-mcp.yml
- type: LLMsTxt
  url: llms/tandem-bank-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: GettingStarted
  url: https://developer.token.io/token_tpp_sdk_doc/content/a-tpp_onboarding/sdk_intro.htm
- type: Website
  url: https://www.tandem.co.uk/
- type: OpenBanking
  url: https://www.tandem.co.uk/save/open-banking-page
- type: DeveloperPortal
  url: https://developer.token.io/
- type: APIStandard
  url: https://github.com/OpenBankingUK/read-write-api-specs
- type: LinkedIn
  url: https://www.linkedin.com/company/tandem-bank/
- type: Blog
  url: https://www.tandem.co.uk/blog
- type: Newsroom
  url: https://www.tandem.co.uk/newsroom
- type: Support
  url: https://www.tandem.co.uk/support
- type: PrivacyPolicy
  url: https://www.tandem.co.uk/privacy-notice
- type: About
  url: https://www.tandem.co.uk/about
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com