Tangerine

Tangerine is a Canadian direct (branchless) bank headquartered in Toronto, Ontario, and a federally regulated Schedule I bank chartered as Tangerine Bank (institution number 614). Founded in 1997 as ING Direct Canada, it was acquired by Scotiabank in 2012 and rebranded as Tangerine in 2014; it remains a separate legal entity operating as Scotiabank's digital-banking arm, serving roughly two million clients with no-fee chequing and savings accounts, GICs, mortgages, mutual funds, and a cash-back Mastercard delivered entirely through mobile and web. On API and open-finance posture, Tangerine publishes no first-party public developer portal or downloadable API specifications; Canada has no operational consumer-driven-banking mandate yet (the federal framework is legislated but not live), so third-party access to Tangerine account and transaction data today is aggregator-based via Plaid and Finicity (Mastercard) rather than through a documented first-party API.

Tangerine is profiled on the APIs.io network. Tagged areas include Financial Services, Banking, Canada, Digital Bank, and Neobank.

Tangerine’s developer surface includes support, engineering blog, signup flow, and 7 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

11.7/100 emerging ▬ flat Agent 0/100 human only Front door AI 2/6 trace saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs

Financial Services Banking Canada Digital Bank Neobank Schedule I Bank Interac

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 11.7/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 5.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 1.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 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 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 7.1 — up to +18.6 composite points
Access Clarity scores 34.2 — up to +13.2 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/tangerine/apis.yml: open an issue on github.com/api-evangelist/tangerine to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	55.6	-	-
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	regulated	55.6	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 1

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

Tangerine Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

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 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

ParentCompany

ParentCompany

Source (apis.yml)

aid: tangerine
url: https://raw.githubusercontent.com/api-evangelist/tangerine/refs/heads/main/apis.yml
name: Tangerine
kind: company
description: Tangerine is a Canadian direct (branchless) bank headquartered in Toronto, Ontario, and a federally regulated
  Schedule I bank chartered as Tangerine Bank (institution number 614). Founded in 1997 as ING Direct Canada, it was acquired
  by Scotiabank in 2012 and rebranded as Tangerine in 2014; it remains a separate legal entity operating as Scotiabank's digital-banking
  arm, serving roughly two million clients with no-fee chequing and savings accounts, GICs, mortgages, mutual funds, and a
  cash-back Mastercard delivered entirely through mobile and web. On API and open-finance posture, Tangerine publishes no
  first-party public developer portal or downloadable API specifications; Canada has no operational consumer-driven-banking
  mandate yet (the federal framework is legislated but not live), so third-party access to Tangerine account and transaction
  data today is aggregator-based via Plaid and Finicity (Mastercard) rather than through a documented first-party API.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Canada
- Digital Bank
- Neobank
- Schedule I Bank
- Interac
tags_raw:
- Financial Services
- Banking
- Canada
- Digital Bank
- Neobank
- Schedule I Bank
- Interac
- Financial-Services
created: '2026-07-23'
modified: '2026-07-24'
specificationVersion: '0.23'
apis: []
common:
- type: ParentCompany
  url: https://apis.io/providers/scotiabank/
  name: Scotiabank
  x-relationship: acquired
  x-evidence: Founded in 1997 as ING Direct Canada, it was acquired by Scotiabank in 2012 and rebranded as Tangerine in 2014;
    it remains a separate legal entity operating as Scotiabank's digital-banking arm, serving roughly two million clients
    with no-fe
- type: DomainSecurity
  url: security/tangerine-domain-security.yml
- type: Website
  url: https://www.tangerine.ca
- type: TermsOfService
  url: https://www.tangerine.ca/en/legal
- type: PrivacyPolicy
  url: https://www.tangerine.ca/en/privacy
- type: Support
  url: https://www.tangerine.ca/en/help-centre
- type: Blog
  url: https://www.tangerine.ca/en/thejuice
- type: SignUp
  url: https://www.tangerine.ca/app/#/visitor-enroll/instructions?locale=en_CA
- type: Login
  url: https://www.tangerine.ca/app/#/login/login-id?locale=en_CA
- type: LinkedIn
  url: https://ca.linkedin.com/company/tangerine-bank
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-tags-removed:
- Data Aggregation

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