Triodos Bank UK

Triodos Bank UK Limited is a values-based, sustainability-focused bank headquartered in Bristol, England, and the UK arm of Triodos Bank N.V. (founded 1980, Netherlands), one of Europe's leading ethical banks. Ownership of the parent sits with the SAAT foundation (Stichting Administratiekantoor Aandelen Triodos Bank), which issues depositary receipts rather than tradable shares, so Triodos is neither a conventional listed plc nor a customer mutual; it is a certified B Corporation that lends only to organisations delivering positive social, environmental, and cultural impact. Triodos Bank UK Ltd (company no. 11379025) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and PRA (FRN 817008). As an FCA-authorised ASPSP it meets UK Open Banking / PSD2 obligations, but - unlike the CMA9 - it is a specialist lender that implements the Berlin Group NextGenPSD2 (XS2A) standard rather than the OBIE UK Read/Write standard, publishing a single developer platform at developer.triodos.com covering its UK, Netherlands, and Belgium account holders. Its production XS2A APIs provide Account Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CoF) services, secured with OAuth2/OpenID Connect authorization, mutual-TLS client authentication, eIDAS/QWAC certificates, and PSD2 strong customer authentication, with a full sandbox for onboarding and testing.

Triodos Bank UK publishes 10 APIs on the APIs.io network, including Account Information Service API, Authorization Endpoint API, Client Registration Endpoint API, and 7 more. Tagged areas include Financial-Services, Banking, Open Banking, PSD2, and XS2A.

Triodos Bank UK’s developer surface includes authentication, sandbox, changelog, API reference, signup flow, documentation, getting-started guide, and 28 more developer resources.

🌐 Visit website 📡 Source on GitHub

46.5/100 developing ▬ flat Agent 29/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

2 APIs

Financial-Services Banking Open Banking PSD2 XS2A Berlin Group United Kingdom Payments Account Information Confirmation of FundsEthical BankingSustainable Finance Specialist Lender

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 46.5/100 · developing

Contract Quality 9.2 / 19

Developer Ergonomics 7.4 / 15

Access Clarity 3.8 / 15

Operational Transparency 1.8 / 10

Contract Governance 0.4 / 9

Discoverability 5.7 / 8

Regulatory Posture 14.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 29/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 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 5 / 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

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/triodos-bank-uk: 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 10

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

Triodos Bank UK Account Information Service API

This service may be used by an AISP to request information about the account of a PSU. The account is managed by the ASPSP providing the XS2A Interface. Functionality and restri...

Triodos Bank UK Authorization Endpoint API

The Authorization Endpoint performs authentication of the end-user.

Triodos Bank UK Client Registration Endpoint API

The Client Registration Endpoint performs registration of the client.

Triodos Bank UK Configuration Endpoint API

The Configuration Endpoint provides configuration information about this OpenID service.

Triodos Bank UK Confirmation of Funds Service API

This service may be used by a PIISP to request a confirmation of the availability of specific funds on the account of a PSU. The account is managed by the ASPSP providing the XS...

Triodos Bank UK Extended Account Information Service API

The Extended Account Information Service API from Triodos Bank UK — 4 operation(s) for extended account information service.

Triodos Bank UK Initial Access Token Service API

The Initial Access Token Service API from Triodos Bank UK — 1 operation(s) for initial access token service.

Triodos Bank UK Payment Initiation Service API

This service may be used by a PISP to initiate a single payment on behalf of a PSU using a given account of that PSU. The account is managed by the ASPSP providing the XS2A Inte...

Triodos Bank UK Token Endpoint API

The Token Endpoint provides and revokes access tokens and refresh tokens.

Triodos Bank UK UserInfo Endpoint API

The UserInfo Endpoint provides information about the authenticated end-user.

Scroll for all 10

Open Collections 2

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

Triodos Auth service

OPEN COLLECTION

Triodos XS2A BG service

OPEN COLLECTION

Security Posture 3

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

Triodos Bank Uk Authentication

oauth2/openIdConnect/mutualTLS/httpMessageSignature/http-basic · 4 schemes

SECURITY

Triodos Bank Uk Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Triodos Bank Uk Vulnerability Disclosure

security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Triodos Bank Uk Scopes

5 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Triodos Bank Uk Agentic Access

101 operations · 50 acting · 1 human-in-the-loop

101 operations · 50 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox

SignUp

DeveloperPortal

GettingStarted

Documentation 2

Reference material describing how the API behaves

APIReference

APIReference

Documentation

Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Access & Security 7

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Security

SecurityTxt

Authentication

OAuthScopes

Compliance

Scroll for all 7

Operate 3

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

ChangeLog

ChangeLog

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 4

Properties that don't map to a standard resource type

CapabilityMap

Overlay

Overlay

OpenBanking

Source (apis.yml)

aid: triodos-bank-uk
url: https://raw.githubusercontent.com/api-evangelist/triodos-bank-uk/refs/heads/main/apis.yml
name: Triodos Bank UK
kind: company
description: Triodos Bank UK Limited is a values-based, sustainability-focused bank headquartered in Bristol, England, and
  the UK arm of Triodos Bank N.V. (founded 1980, Netherlands), one of Europe's leading ethical banks. Ownership of the parent
  sits with the SAAT foundation (Stichting Administratiekantoor Aandelen Triodos Bank), which issues depositary receipts rather
  than tradable shares, so Triodos is neither a conventional listed plc nor a customer mutual; it is a certified B Corporation
  that lends only to organisations delivering positive social, environmental, and cultural impact. Triodos Bank UK Ltd (company
  no. 11379025) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and
  PRA (FRN 817008). As an FCA-authorised ASPSP it meets UK Open Banking / PSD2 obligations, but - unlike the CMA9 - it is
  a specialist lender that implements the Berlin Group NextGenPSD2 (XS2A) standard rather than the OBIE UK Read/Write standard,
  publishing a single developer platform at developer.triodos.com covering its UK, Netherlands, and Belgium account holders.
  Its production XS2A APIs provide Account Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CoF) services,
  secured with OAuth2/OpenID Connect authorization, mutual-TLS client authentication, eIDAS/QWAC certificates, and PSD2 strong
  customer authentication, with a full sandbox for onboarding and testing.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-23'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Open Banking
- PSD2
- XS2A
- Berlin Group
- United Kingdom
- Payments
- Account Information
- Confirmation of Funds
- Ethical Banking
- Sustainable Finance
- Specialist Lender
tags_raw:
- Financial Services
- Banking
- Open Banking
- PSD2
- XS2A
- Berlin Group
- United Kingdom
- Payments
- Account Information
- Confirmation of Funds
- Ethical Banking
- Sustainable Finance
- Specialist Lender
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: triodos-bank-uk:triodos-bank-uk-account-information-service-api
  name: Triodos Bank UK Account Information Service API
  description: This service may be used by an AISP to request information about the account of a PSU. The account is managed
    by the ASPSP providing the XS2A Interface. Functionality and restrictions of this service comply with the requirements
    defined by article 67 of PSD2.
  humanURL: https://developer.triodos.com/docs/getting-started
  baseURL: https://api-ma.triodos.com/xs2a-bg
  tags:
  - Account Information Service
  properties:
  - type: OpenAPI
    url: openapi/triodos-bank-uk-account-information-service-api-openapi.yml
  - type: Documentation
    url: https://developer.triodos.com/docs/getting-started
  - type: APIReference
    url: https://developer.triodos.com/reference
  - type: Documentation
    url: https://www.triodos.co.uk/open-banking-developers
- aid: triodos-bank-uk:triodos-bank-uk-authorization-endpoint-api
  name: Triodos Bank UK Authorization Endpoint API
  description: The Authorization Endpoint performs authentication of the end-user.
  humanURL: https://developer.triodos.com/docs/getting-started
  baseURL: https://api-ma.triodos.com/xs2a-bg
  tags:
  - Authorization Endpoint
  properties:
  - type: OpenAPI
    url: openapi/triodos-bank-uk-authorization-endpoint-api-openapi.yml
  - type: Documentation
    url: https://developer.triodos.com/docs/getting-started
  - type: APIReference
    url: https://developer.triodos.com/reference
  - type: Documentation
    url: https://www.triodos.co.uk/open-banking-developers
- aid: triodos-bank-uk:triodos-bank-uk-client-registration-endpoint-api
  name: Triodos Bank UK Client Registration Endpoint API
  description: The Client Registration Endpoint performs registration of the client.
  humanURL: https://developer.triodos.com/docs/getting-started
  baseURL: https://api-ma.triodos.com/xs2a-bg
  tags:
  - Client Registration Endpoint
  properties:
  - type: OpenAPI
    url: openapi/triodos-bank-uk-client-registration-endpoint-api-openapi.yml
  - type: Documentation
    url: https://developer.triodos.com/docs/getting-started
  - type: APIReference
    url: https://developer.triodos.com/reference
  - type: Documentation
    url: https://www.triodos.co.uk/open-banking-developers
- aid: triodos-bank-uk:triodos-bank-uk-configuration-endpoint-api
  name: Triodos Bank UK Configuration Endpoint API
  description: The Configuration Endpoint provides configuration information about this OpenID service.
  humanURL: https://developer.triodos.com/docs/getting-started
  baseURL: https://api-ma.triodos.com/xs2a-bg
  tags:
  - Configuration Endpoint
  properties:
  - type: OpenAPI
    url: openapi/triodos-bank-uk-configuration-endpoint-api-openapi.yml
  - type: Documentation
    url: https://developer.triodos.com/docs/getting-started
  - type: APIReference
    url: https://developer.triodos.com/reference
  - type: Documentation
    url: https://www.triodos.co.uk/open-banking-developers
- aid: triodos-bank-uk:triodos-bank-uk-confirmation-of-funds-service-api
  name: Triodos Bank UK Confirmation of Funds Service API
  description: This service may be used by a PIISP to request a confirmation of the availability of specific funds on the
    account of a PSU. The account is managed by the ASPSP providing the XS2A Interface. Functionality and restrictions of
    this service comply with the requirements defined by article 65 of PSD2.
  humanURL: https://developer.triodos.com/docs/getting-started
  baseURL: https://api-ma.triodos.com/xs2a-bg
  tags:
  - Confirmation of Funds Service
  properties:
  - type: OpenAPI
    url: openapi/triodos-bank-uk-confirmation-of-funds-service-api-openapi.yml
  - type: Documentation
    url: https://developer.triodos.com/docs/getting-started
  - type: APIReference
    url: https://developer.triodos.com/reference
  - type: Documentation
    url: https://www.triodos.co.uk/open-banking-developers
- aid: triodos-bank-uk:triodos-bank-uk-extended-account-information-service-api
  name: Triodos Bank UK Extended Account Information Service API
  description: The Extended Account Information Service API from Triodos Bank UK — 4 operation(s) for extended account information
    service.
  humanURL: https://developer.triodos.com/docs/getting-started
  baseURL: https://api-ma.triodos.com/xs2a-bg
  tags:
  - Extended Account Information Service
  properties:
  - type: OpenAPI
    url: openapi/triodos-bank-uk-extended-account-information-service-api-openapi.yml
  - type: Documentation
    url: https://developer.triodos.com/docs/getting-started
  - type: APIReference
    url: https://developer.triodos.com/reference
  - type: Documentation
    url: https://www.triodos.co.uk/open-banking-developers
- aid: triodos-bank-uk:triodos-bank-uk-initial-access-token-service-api
  name: Triodos Bank UK Initial Access Token Service API
  description: The Initial Access Token Service API from Triodos Bank UK — 1 operation(s) for initial access token service.
  humanURL: https://developer.triodos.com/docs/getting-started
  baseURL: https://api-ma.triodos.com/xs2a-bg
  tags:
  - Initial Access Token Service
  properties:
  - type: OpenAPI
    url: openapi/triodos-bank-uk-initial-access-token-service-api-openapi.yml
  - type: Documentation
    url: https://developer.triodos.com/docs/getting-started
  - type: APIReference
    url: https://developer.triodos.com/reference
  - type: Documentation
    url: https://www.triodos.co.uk/open-banking-developers
- aid: triodos-bank-uk:triodos-bank-uk-payment-initiation-service-api
  name: Triodos Bank UK Payment Initiation Service API
  description: This service may be used by a PISP to initiate a single payment on behalf of a PSU using a given account of
    that PSU. The account is managed by the ASPSP providing the XS2A Interface. Functionality and restrictions of this service
    comply with the requirements defined by article 66 of PSD2.
  humanURL: https://developer.triodos.com/docs/getting-started
  baseURL: https://api-ma.triodos.com/xs2a-bg
  tags:
  - Payment Initiation Service
  properties:
  - type: OpenAPI
    url: openapi/triodos-bank-uk-payment-initiation-service-api-openapi.yml
  - type: Documentation
    url: https://developer.triodos.com/docs/getting-started
  - type: APIReference
    url: https://developer.triodos.com/reference
  - type: Documentation
    url: https://www.triodos.co.uk/open-banking-developers
- aid: triodos-bank-uk:triodos-bank-uk-token-endpoint-api
  name: Triodos Bank UK Token Endpoint API
  description: The Token Endpoint provides and revokes access tokens and refresh tokens.
  humanURL: https://developer.triodos.com/docs/getting-started
  baseURL: https://api-ma.triodos.com/xs2a-bg
  tags:
  - Token Endpoint
  properties:
  - type: OpenAPI
    url: openapi/triodos-bank-uk-token-endpoint-api-openapi.yml
  - type: Documentation
    url: https://developer.triodos.com/docs/getting-started
  - type: APIReference
    url: https://developer.triodos.com/reference
  - type: Documentation
    url: https://www.triodos.co.uk/open-banking-developers
- aid: triodos-bank-uk:triodos-bank-uk-userinfo-endpoint-api
  name: Triodos Bank UK UserInfo Endpoint API
  description: The UserInfo Endpoint provides information about the authenticated end-user.
  humanURL: https://developer.triodos.com/docs/getting-started
  baseURL: https://api-ma.triodos.com/xs2a-bg
  tags:
  - UserInfo Endpoint
  properties:
  - type: OpenAPI
    url: openapi/triodos-bank-uk-userinfo-endpoint-api-openapi.yml
  - type: Documentation
    url: https://developer.triodos.com/docs/getting-started
  - type: APIReference
    url: https://developer.triodos.com/reference
  - type: Documentation
    url: https://www.triodos.co.uk/open-banking-developers
common:
- type: CapabilityMap
  url: capabilities/triodos-bank-uk-capability-edges.yml
  name: Triodos Bank UK Business Capability Map
- type: VulnerabilityDisclosure
  url: security/triodos-bank-uk-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/triodos-bank-uk-domain-security.yml
- type: AgenticAccess
  url: agentic-access/triodos-bank-uk-agentic-access.yml
- type: Security
  url: security/triodos-bank-uk-vulnerability-disclosure.yml
- type: SecurityTxt
  url: well-known/triodos-bank-uk-security.txt
- type: WellKnown
  url: well-known/triodos-bank-uk-well-known.yml
- type: Authentication
  url: authentication/triodos-bank-uk-authentication.yml
- type: OAuthScopes
  url: scopes/triodos-bank-uk-scopes.yml
- type: Conventions
  url: conventions/triodos-bank-uk-conventions.yml
- type: Idempotency
  url: conventions/triodos-bank-uk-conventions.yml
- type: ErrorCatalog
  url: errors/triodos-bank-uk-problem-types.yml
- type: Lifecycle
  url: lifecycle/triodos-bank-uk-lifecycle.yml
- type: Conformance
  url: conformance/triodos-bank-uk-conformance.yml
- type: Compliance
  url: https://www.triodos.co.uk/open-banking-developers
- type: Sandbox
  url: sandbox/triodos-bank-uk-sandbox.yml
- type: DataModel
  url: data-model/triodos-bank-uk-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/triodos-bank-uk-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  url: overlays/triodos-bank-uk-xs2a-overlay.yaml
- type: Overlay
  url: overlays/triodos-bank-uk-auth-overlay.yaml
- type: ChangeLog
  url: changelog/triodos-bank-uk-changelog.yml
- type: APIReference
  url: https://developer.triodos.com/reference
- type: SignUp
  url: https://developer.triodos.com/docs/registration
- type: Website
  url: https://www.triodos.co.uk/
- type: DeveloperPortal
  url: https://developer.triodos.com/
- type: Documentation
  url: https://developer.triodos.com/docs/getting-started
- type: GettingStarted
  url: https://developer.triodos.com/docs/getting-started
- type: OpenBanking
  url: https://www.triodos.co.uk/open-banking-developers
- type: ChangeLog
  url: https://developer.triodos.com/changelog
- type: Support
  url: https://developer.triodos.com/docs/support
- type: Blog
  url: https://www.triodos.co.uk/blog
- type: LinkedIn
  url: https://www.linkedin.com/company/triodos-bank
- type: PrivacyPolicy
  url: https://www.triodos.co.uk/privacy-statement
- type: LLMsTxt
  url: llms/triodos-bank-uk-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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