# Triodos Bank UK

**Canonical:** https://apis.io/providers/triodos-bank-uk/  
**Website:** https://www.triodos.co.uk/  
**APIs profiled:** 4

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.

## Kin Score — 50.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 50.2).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 48.3 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 49.4 |
| Commercial Clarity | 25.0 |
| Access Clarity | 25.0 |

Regulatory layer — **Banking & Open Finance**: 94.9 (matched via tags).

## Agent readiness — 40.4 (agent-ready)

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

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (4)

- **Triodos Account Information Service (AIS) API** — The XS2A Account Information Service (AIS) from Triodos Bank UK - 13 operation(s) for consented, secure read access to Triodos payment account details, balances, and transaction...
- **Triodos Payment Initiation Service (PIS) API** — The XS2A Payment Initiation Service (PIS) from Triodos Bank UK - 66 operation(s) for initiating, authorising, and tracking SEPA, cross-border, UK domestic, and periodic (recurri...
- **Triodos Confirmation of Funds Service (CoF) API** — The XS2A Confirmation of Funds Service (CoF/CBPII) from Triodos Bank UK - 9 operation(s) for card-based payment instrument issuers to check the availability of funds on a Triodo...
- **Triodos XS2A Authorization (OAuth2/OIDC) API** — The Triodos Auth service - 8 operation(s) implementing OAuth2 / OpenID Connect for XS2A third-party providers, including dynamic client registration, OpenID configuration discov...

## MCP servers (1)

- **Triodos Bank UK MCP Server**

## Agentic access (1)

- **Triodos Bank Uk Agentic Access** — 101 operations · 50 acting · 1 human-in-the-loop

## Security (3)

- **Triodos Bank Uk Authentication** — oauth2/openIdConnect/mutualTLS/httpMessageSignature/http-basic · 4 schemes
- **Triodos Bank Uk Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Triodos Bank Uk Vulnerability Disclosure** — security.txt · contact published

## Tags

Financial-Services, Banking, Open Banking, PSD2, XS2A, Berlin Group, United Kingdom, Payments, Account Information, Confirmation of Funds, Ethical Banking, Sustainable Finance, Specialist Lender

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