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 6 API contracts indexed on the APIs.io network, including Mandates API, Merchant Accounts API, Payments API, and 3 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 16 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

45.3/100 developing ▬ flat Agent 39/100 agent ready Front door AI 1/6 silent Heartbeat 77/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract 1 MCP Servers

Data API Financial Services Open Banking Payments PSD2UK BankingVRP

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

MandatesPaymentsPayoutsRefunds

POST /v3/payments POST /v3/payments/{id}/authorization-flow POST /v3/payouts POST /v3/payments/{id}/refunds

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 45.3/100 · developing

Contract Quality 11.0 / 19

Developer Ergonomics 8.2 / 15

Access Clarity 2.4 / 15

Operational Transparency 4.4 / 10

Contract Governance 2.5 / 9

Discoverability 5.6 / 8

Regulatory Posture 3.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 39/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

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 6 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Pagination +5 pts — share of collection GETs (an array, or one wrapped in data/items/results ...) that declare a page/limit/offset/cursor parameter, a Link header or a next/cursor field; na with no collection GETs

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 15.8 — up to +16.8 composite points
Contract Quality scores 58.5 — up to +10.4 composite points
Developer Ergonomics scores 54.8 — up to +9.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/truelayer/apis.yml: open an issue on github.com/api-evangelist/truelayer to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
EU/EEA Payment and E-Money Institutions (PSD2 passports)	coverage	54.2	-	-
Australia Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending)	coverage	54.2	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

Free Tier Default: 10 requests per minute
Free Tier Monthly Quota: 1000 requests per month
Professional Tier Default: 100 requests per minute

Compiled by API Evangelist, not yet checked against TrueLayer's documentation. All 5 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Truelayer Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Truelayer Rate Limits

5 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

TrueLayer

SLA

FinOps 1

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

Truelayer Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Truelayer Context

25 classes · 5 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

TrueLayer — jsonschema rules

5 rules · 4 warnings 1 info

SPECTRAL

TrueLayer API Rules

11 rules · 6 errors 2 warnings

SPECTRAL

JSON Schema 1

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

Payment

11 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

Truelayer Payment Structure

0 properties

JSON STRUCTURE

Examples 2

Example request and response payloads for these APIs.

Truelayer Create Mandate Example

3 fields

EXAMPLE

Truelayer Create Payment Example

2 fields

EXAMPLE

Security Posture 4

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

Truelayer Authentication

http · 1 scheme

SECURITY

Truelayer Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Truelayer Vulnerability Disclosure

security.txt · contact published

SECURITY

Truelayer Trust Center

ISO 27001, GDPR

SECURITY

Agentic Access 1

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

Truelayer Agentic Access

13 operations · 6 acting · 1 human-in-the-loop

13 operations · 6 acting

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 2

Status, limits, changes, and where to get help

RateLimits

RateLimits

ChangeLog

ChangeLog

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 4

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Twitter

Twitter

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

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
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/truelayer.png
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-17
tags:
- Data API
- Financial Services
- Open Banking
- Payments
- PSD2
- UK Banking
- VRP
tags_raw:
- Data API
- Financial Services
- Open Banking
- Payments
- PSD2
- UK Banking
- VRP
- Financial-Services
url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/apis.yml
created: '2026-03-27'
modified: '2026-05-19'
specificationVersion: '0.23'
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
- 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
- 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
- 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
- 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
common:
- type: Plans
  url: plans/truelayer-plans-pricing.yml
- type: RateLimits
  url: rate-limits/truelayer-rate-limits.yml
- type: FinOps
  url: finops/truelayer-finops.yml
- type: CapabilityMap
  url: capabilities/truelayer-capability-edges.yml
  name: TrueLayer Business Capability Map
- 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 API — frequently asked questions

Does TrueLayer have an API?

Yes. APIs.io lists 6 APIs from TrueLayer, including TrueLayer Data API, TrueLayer Mandates API and TrueLayer Merchant Accounts API, and 3 more.

Is there an OpenAPI specification for the TrueLayer API?

Yes. APIs.io indexes 5 OpenAPI specifications for TrueLayer, each linked for download from this page.

How do I authenticate with the TrueLayer API?

TrueLayer uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Truelayer Authentication.

How much does the TrueLayer API cost?

APIs.io lists 3 pricing plans for TrueLayer, with each plan's price, limits and inclusions under Pricing on this page.

Does TrueLayer have an MCP server?

Yes. APIs.io lists 1 MCP server for TrueLayer.

Is the TrueLayer API ready for AI agents?

TrueLayer has a Kin Score of 45.3 out of 100 (developing) and an Agent Readiness score of 38.6 (agent-ready), scored by API Evangelist on 2026-11-06.

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get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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