# The Bank of London

**Canonical:** https://apis.io/providers/the-bank-of-london/  
**Website:** https://www.bankoflondon.com/  
**APIs profiled:** 1

The Bank of London (TBOL) is a UK principal clearing bank and Banking-as-a-Service provider, authorised by the Bank of England's Prudential Regulation Authority and regulated by the FCA and PRA (FRN 930379). Operating a "safer by design" model in which client deposits are never loaned, invested or leveraged, it offers clearing, payments and settlement, agency banking, embedded banking (BaaS) and commercial and corporate banking to banks, non-bank financial institutions, virtual-asset service providers, digital platforms, financial intermediaries and corporates. Its Developer Studio at developer.bankoflondon.com publishes a public OpenAPI 3.0.3 contract for the Bank of London API v2 covering accounts, customer onboarding, virtual account management, Confirmation of Payee, Faster Payments, Bacs, CHAPS, agency and cross-border payments, standing orders, direct-debit mandates, transactions, statements and webhooks, backed by a free open sandbox that requires no NDA. A separate PSD2 / Open Banking UK v3.1 TPP interface is operated on the bank's behalf by Salt Edge Priora under provider code `tbol`.

## Kin Score — 54.0 / 100 (developing)

Scored 2026-09-01 under rubric 0.17.2. Trend: flat (+0.0 from 54.0).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 57.8 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 52.6 |
| Developer Ergonomics | 71.4 |
| Commercial Clarity | 52.6 |
| Access Clarity | 52.6 |

Regulatory layer — **Banking & Open Finance**: 38.0 (matched via tags).

## Agent readiness — 43.7 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | bearer |
| Idempotency | verified |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | yes |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (2)

- **Bank of London API** — The Bank of London's public REST banking API (v2/v3 path-versioned), published as OpenAPI 3.0.3 from the Developer Studio. 58 operations across ten tags — Accounts, Customer Man...
- **Bank of London PSD2 / Open Banking UK API** — The dedicated PSD2 Third Party Provider (TPP) interface for The Bank of London, implementing the UK Open Banking Read/Write API v3.1 (AIS, PIS, PIIS, plus dynamic client registr...

## Security (2)

- **The Bank Of London Authentication** — 1 scheme
- **The Bank Of London Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **The Bank Of London Plans Pricing**

## Tags

Company, Banking, Clearing Bank, Payments, Banking as a Service, Embedded Finance, Open Banking, PSD2, Faster Payments, Financial-Services, United Kingdom, Virtual Accounts

---

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