# Tangerine

**Canonical:** https://apis.io/providers/tangerine/  
**Website:** https://www.tangerine.ca  
**APIs profiled:** 0

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.

## Kin Score — 11.3 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 11.3).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Tangerine Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, Canada, Digital Bank, Neobank, Schedule I Bank, Data Aggregation, Interac

---

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