TrueLayer

TrueLayer is Europe's leading open banking platform providing unified access to bank data, payments, payouts, refunds, and variable recurring payments across the UK and EU. TrueLayer connects to 69+ financial institutions and enables instant bank payments, data enrichment, and account verification through a single API.

TrueLayer publishes 5 APIs on the APIs.io network, including Mandates API, Merchant Accounts API, Payments API, and 2 more. Tagged areas include Data API, Financial Services, Open Banking, Payments, and PSD2.

The TrueLayer catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

TrueLayer’s developer surface includes authentication, documentation, API reference, developer console, sandbox, changelog, engineering blog, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub

56.9/100 strong ▼ -5.7 Agent 50/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6

AccessFreemiumSelf serve⚡ Free to try

6 APIs 1 MCP Servers

Data APIFinancial ServicesOpen BankingPaymentsPSD2UK BankingVRP

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6

Composite quality — 56.9/100 · strong

Contract Quality 18.3 / 25

Developer Ergonomics 10.9 / 20

Commercial Clarity 9.5 / 20

Operational Transparency 6.8 / 13

Governance 7.0 / 12

Discoverability 7.4 / 10

Agent readiness — 50/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 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

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/truelayer: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 6

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

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

MCP Server

MCP SERVER

GraphQL 1

GraphQL schemas published by this provider.

Rate Limits 1

Documented rate limits and quota policies.

Truelayer Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

JSON Schema 1

Standalone JSON Schema definitions for this provider's data models.

Examples 2

Example request and response payloads for these APIs.

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

Console

Console

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

MCPServer

MCPServer

LlmsText

LlmsText

Build 3

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

GitHubOrganization

SDKs

SDKs

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

Company 4

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Twitter

Twitter

Source (apis.yml)

aid: truelayer
name: TrueLayer
description: TrueLayer is Europe's leading open banking platform providing unified access to bank data, payments, payouts,
  refunds, and variable recurring payments across the UK and EU. TrueLayer connects to 69+ financial institutions and enables
  instant bank payments, data enrichment, and account verification through a single API.
type: Index
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/truelayer.png
tags:
- Data API
- Financial Services
- Open Banking
- Payments
- PSD2
- UK Banking
- VRP
url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/apis.yml
created: '2026-03-27'
modified: '2026-05-19'
specificationVersion: '0.19'
apis:
- aid: truelayer:data-api
  name: TrueLayer Data API
  description: The TrueLayer Data API provides access to bank account data including account information, balances, transactions,
    identity verification, and standing orders. Used for account verification, affordability assessments, and financial data
    enrichment.
  humanURL: https://docs.truelayer.com/docs/data-api-basics
  baseURL: https://api.truelayer.com
  tags:
  - Account Data
  - Bank Data
  - Data API
  - Identity Verification
  - Open Banking
  properties:
  - type: Documentation
    url: https://docs.truelayer.com/docs/data-api-basics
  - type: Reference
    url: https://docs.truelayer.com/reference
- aid: truelayer:truelayer-mandates-api
  name: TrueLayer Mandates API
  description: Variable recurring payment mandates
  humanURL: https://docs.truelayer.com/docs/payments-api-basics
  baseURL: https://api.truelayer.com
  tags:
  - Mandates
  properties:
  - type: OpenAPI
    url: openapi/truelayer-mandates-api-openapi.yml
  - type: Documentation
    url: https://docs.truelayer.com/docs/payments-api-basics
  - type: GettingStarted
    url: https://docs.truelayer.com/docs/create-a-payment
  - type: Webhooks
    url: https://docs.truelayer.com/docs/payments-api-webhook-reference
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/rules/truelayer-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-schema/truelayer-payment-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-ld/truelayer-context.jsonld
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/vocabulary/truelayer-vocabulary.yml
  - type: GraphQL
    url: graphql/truelayer-graphql.md
- aid: truelayer:truelayer-merchant-accounts-api
  name: TrueLayer Merchant Accounts API
  description: Merchant account management and balance
  humanURL: https://docs.truelayer.com/docs/payments-api-basics
  baseURL: https://api.truelayer.com
  tags:
  - Merchant Accounts
  properties:
  - type: OpenAPI
    url: openapi/truelayer-merchant-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.truelayer.com/docs/payments-api-basics
  - type: GettingStarted
    url: https://docs.truelayer.com/docs/create-a-payment
  - type: Webhooks
    url: https://docs.truelayer.com/docs/payments-api-webhook-reference
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/rules/truelayer-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-schema/truelayer-payment-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-ld/truelayer-context.jsonld
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/vocabulary/truelayer-vocabulary.yml
  - type: GraphQL
    url: graphql/truelayer-graphql.md
- aid: truelayer:truelayer-payments-api
  name: TrueLayer Payments API
  description: Create and manage individual bank payments
  humanURL: https://docs.truelayer.com/docs/payments-api-basics
  baseURL: https://api.truelayer.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/truelayer-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.truelayer.com/docs/payments-api-basics
  - type: GettingStarted
    url: https://docs.truelayer.com/docs/create-a-payment
  - type: Webhooks
    url: https://docs.truelayer.com/docs/payments-api-webhook-reference
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/rules/truelayer-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-schema/truelayer-payment-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-ld/truelayer-context.jsonld
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/vocabulary/truelayer-vocabulary.yml
  - type: GraphQL
    url: graphql/truelayer-graphql.md
- aid: truelayer:truelayer-payouts-api
  name: TrueLayer Payouts API
  description: Payments from merchant accounts to users
  humanURL: https://docs.truelayer.com/docs/payments-api-basics
  baseURL: https://api.truelayer.com
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/truelayer-payouts-api-openapi.yml
  - type: Documentation
    url: https://docs.truelayer.com/docs/payments-api-basics
  - type: GettingStarted
    url: https://docs.truelayer.com/docs/create-a-payment
  - type: Webhooks
    url: https://docs.truelayer.com/docs/payments-api-webhook-reference
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/rules/truelayer-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-schema/truelayer-payment-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-ld/truelayer-context.jsonld
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/vocabulary/truelayer-vocabulary.yml
  - type: GraphQL
    url: graphql/truelayer-graphql.md
- aid: truelayer:truelayer-refunds-api
  name: TrueLayer Refunds API
  description: Refund payments back to users
  humanURL: https://docs.truelayer.com/docs/payments-api-basics
  baseURL: https://api.truelayer.com
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/truelayer-refunds-api-openapi.yml
  - type: Documentation
    url: https://docs.truelayer.com/docs/payments-api-basics
  - type: GettingStarted
    url: https://docs.truelayer.com/docs/create-a-payment
  - type: Webhooks
    url: https://docs.truelayer.com/docs/payments-api-webhook-reference
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/rules/truelayer-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-schema/truelayer-payment-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-ld/truelayer-context.jsonld
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/vocabulary/truelayer-vocabulary.yml
  - type: GraphQL
    url: graphql/truelayer-graphql.md
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/truelayer/overview
- type: AgenticAccess
  url: agentic-access/truelayer-agentic-access.yml
- type: TrustCenter
  url: security/truelayer-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/truelayer-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/truelayer-domain-security.yml
- type: Authentication
  url: authentication/truelayer-authentication.yml
- type: Website
  url: https://truelayer.com/
- type: Documentation
  url: https://docs.truelayer.com/
- type: APIReference
  url: https://docs.truelayer.com/reference
- type: GitHubOrganization
  url: https://github.com/TrueLayer
- type: Console
  url: https://console.truelayer.com/
- type: Sandbox
  url: https://console.truelayer-sandbox.com/
- type: SDKs
  url: https://docs.truelayer.com/docs/client-libraries
- type: ChangeLog
  url: https://docs.truelayer.com/changelog
- type: Blog
  url: https://truelayer.com/blog/
- type: LinkedIn
  url: https://www.linkedin.com/company/truelayer/
- type: Twitter
  url: https://twitter.com/TrueLayer
- name: MCP Server
  url: https://github.com/TrueLayer/truelayer_mcp
  type: MCPServer
- type: LlmsText
  url: https://docs.truelayer.com/llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

TrueLayer

APIs 6

Postman Collections 5

Open Collections 1