TSB Bank

TSB Bank plc is a British retail and commercial bank headquartered in Edinburgh, offering current accounts, savings, mortgages, personal loans, credit cards, and insurance to personal and business customers across the United Kingdom. Spun out of Lloyds Banking Group in 2013 and listed before being acquired in 2015, TSB is a wholly owned subsidiary of the Spanish banking group Banco Sabadell. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. As an FCA-authorised account servicing payment service provider (ASPSP) under PSD2, TSB participates in UK Open Banking and publishes its APIs conformant to the Open Banking Implementation Entity (OBIE) standards through a public developer portal at apis.developer.tsb.co.uk. TSB is not one of the nine CMA-mandated banks (CMA9) but implements the same OBIE Open Data and Read/Write API family: unauthenticated Open Data reference APIs plus FAPI-secured Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) services secured with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication.

TSB Bank publishes 9 APIs on the APIs.io network, including ATM API, Authorization Server APIs API, BCA API, and 6 more. Tagged areas include Financial-Services, Banking, Open Banking, PSD2, and OBIE.

TSB Bank’s developer surface includes authentication, documentation, support, and 25 more developer resources.

🌐 Visit website 📡 Source on GitHub

39.4/100 developing ▬ flat Agent 39/100 agent native saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

2 APIs

Financial-Services Banking Open Banking PSD2 OBIE United Kingdom Payments Account Information FAPI Fintech

Kin Score

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

Composite quality — 39.4/100 · developing

Contract Quality 7.1 / 19

Developer Ergonomics 6.7 / 15

Access Clarity 3.2 / 15

Operational Transparency 0.5 / 10

Contract Governance 1.6 / 9

Discoverability 5.7 / 8

Regulatory Posture 11.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 39/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 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 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 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/tsb-bank: 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 12

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

TSB Account and Transaction Information API (AIS)

TSB's OBIE Read/Write Account and Transaction Information (AIS) API, providing authorised third-party providers read access to account, balance, transaction, beneficiary, standi...

TSB Payment Initiation API (PIS)

TSB's OBIE Read/Write Payment Initiation (PIS) API, enabling authorised third-party providers to initiate domestic and scheduled payments and standing orders on behalf of consen...

TSB Confirmation of Funds API (CBPII)

TSB's OBIE Read/Write Confirmation of Funds (CBPII) API, allowing authorised card-based payment instrument issuers to confirm whether funds are available on a customer account. ...

TSB Bank ATM API

Endpoint for getting ATM data

TSB Bank Authorization Server APIs API

The Authorization Server APIs API from TSB Bank — 9 operation(s) for authorization server apis.

TSB Bank BCA API

Endpoint for getting Business Current Account data

TSB Bank Branch API

Endpoint for getting Branch data

TSB Bank CCC API

Endpoint for getting Commercial Credit Card data

TSB Bank PCA API

Endpoint for getting Personal Current Account data

TSB Bank Resource Server APIs API

The Resource Server APIs API from TSB Bank — 2 operation(s) for resource server apis.

TSB Bank SME API

Endpoint for getting Unsecured SME Loan data

TSB Bank Token Server APIs API

The Token Server APIs API from TSB Bank — 3 operation(s) for token server apis.

Scroll for all 12

Open Collections 2

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

Open Data API

OPEN COLLECTION

OTK Server APIs

OPEN COLLECTION

Security Posture 3

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

Tsb Bank Authentication

oauth2/openIdConnect/mutualTLS · 3 schemes

SECURITY

Tsb Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Tsb Bank Vulnerability Disclosure

security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Tsb Bank Scopes

9 scopes · implicit

9 scopes

SCOPES

Agentic Access 1

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

Tsb Bank Agentic Access

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

31 operations · 6 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

X-MCPServerCandidate

LLMsTxt

AgentSkill

AgenticAccess

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conformance

Lifecycle

Conventions

Idempotency

ErrorCatalog

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk

ToolCrosswalk

Access & Security 6

Authentication, authorization, and security posture

SecurityTxt

Security

OAuthScopes

Authentication

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 3

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Overlay

Overlay

Source (apis.yml)

aid: tsb-bank
url: https://raw.githubusercontent.com/api-evangelist/tsb-bank/refs/heads/main/apis.yml
name: TSB Bank
kind: company
description: 'TSB Bank plc is a British retail and commercial bank headquartered in Edinburgh, offering current accounts,
  savings, mortgages, personal loans, credit cards, and insurance to personal and business customers across the United Kingdom.
  Spun out of Lloyds Banking Group in 2013 and listed before being acquired in 2015, TSB is a wholly owned subsidiary of the
  Spanish banking group Banco Sabadell. It is authorised by the Prudential Regulation Authority and regulated by the Financial
  Conduct Authority and the PRA. As an FCA-authorised account servicing payment service provider (ASPSP) under PSD2, TSB participates
  in UK Open Banking and publishes its APIs conformant to the Open Banking Implementation Entity (OBIE) standards through
  a public developer portal at apis.developer.tsb.co.uk. TSB is not one of the nine CMA-mandated banks (CMA9) but implements
  the same OBIE Open Data and Read/Write API family: unauthenticated Open Data reference APIs plus FAPI-secured Account and
  Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) services secured with OAuth2/OIDC,
  mutual-TLS, and PSD2 strong customer authentication.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  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
  - scopes
  - security
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- FAPI
- Fintech
tags_raw:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- FAPI
- Fintech
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: tsb-bank:tsb-account-transaction-information-api
  name: TSB Account and Transaction Information API (AIS)
  description: TSB's OBIE Read/Write Account and Transaction Information (AIS) API, providing authorised third-party providers
    read access to account, balance, transaction, beneficiary, standing order, direct debit, and statement data. FAPI-secured
    with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication; access requires developer-portal onboarding with
    OBIE/eIDAS certificates.
  humanURL: https://apis.developer.tsb.co.uk/
  baseURL: https://apis.tsb.co.uk
  tags:
  - Account Information
  - AIS
  - Open Banking
  properties:
  - type: Documentation
    url: https://apis.developer.tsb.co.uk/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: tsb-bank:tsb-payment-initiation-api
  name: TSB Payment Initiation API (PIS)
  description: TSB's OBIE Read/Write Payment Initiation (PIS) API, enabling authorised third-party providers to initiate domestic
    and scheduled payments and standing orders on behalf of consenting customers. FAPI-secured with OAuth2/OIDC, mutual-TLS,
    and PSD2 strong customer authentication; access requires developer-portal onboarding with OBIE/eIDAS certificates.
  humanURL: https://apis.developer.tsb.co.uk/
  baseURL: https://apis.tsb.co.uk
  tags:
  - Payment Initiation
  - PIS
  - Payments
  properties:
  - type: Documentation
    url: https://apis.developer.tsb.co.uk/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: tsb-bank:tsb-confirmation-of-funds-api
  name: TSB Confirmation of Funds API (CBPII)
  description: TSB's OBIE Read/Write Confirmation of Funds (CBPII) API, allowing authorised card-based payment instrument
    issuers to confirm whether funds are available on a customer account. FAPI-secured with OAuth2/OIDC, mutual-TLS, and PSD2
    strong customer authentication; access requires developer-portal onboarding with OBIE/eIDAS certificates.
  humanURL: https://apis.developer.tsb.co.uk/
  baseURL: https://apis.tsb.co.uk
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  properties:
  - type: Documentation
    url: https://apis.developer.tsb.co.uk/
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: tsb-bank:tsb-bank-atm-api
  name: TSB Bank ATM API
  description: Endpoint for getting ATM data
  humanURL: https://www.tsb.co.uk/help-and-support/open-banking/
  baseURL: https://apis.tsb.co.uk
  tags:
  - ATM
  properties:
  - type: OpenAPI
    url: openapi/tsb-bank-atm-api-openapi.yml
  - type: Documentation
    url: https://www.tsb.co.uk/help-and-support/open-banking/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: Documentation
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
  - type: OpenIDConnect
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
- aid: tsb-bank:tsb-bank-authorization-server-apis-api
  name: TSB Bank Authorization Server APIs API
  description: The Authorization Server APIs API from TSB Bank — 9 operation(s) for authorization server apis.
  humanURL: https://www.tsb.co.uk/help-and-support/open-banking/
  baseURL: https://apis.tsb.co.uk
  tags:
  - Authorization Server APIs
  properties:
  - type: OpenAPI
    url: openapi/tsb-bank-authorization-server-apis-api-openapi.yml
  - type: Documentation
    url: https://www.tsb.co.uk/help-and-support/open-banking/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: Documentation
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
  - type: OpenIDConnect
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
- aid: tsb-bank:tsb-bank-bca-api
  name: TSB Bank BCA API
  description: Endpoint for getting Business Current Account data
  humanURL: https://www.tsb.co.uk/help-and-support/open-banking/
  baseURL: https://apis.tsb.co.uk
  tags:
  - BCA
  properties:
  - type: OpenAPI
    url: openapi/tsb-bank-bca-api-openapi.yml
  - type: Documentation
    url: https://www.tsb.co.uk/help-and-support/open-banking/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: Documentation
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
  - type: OpenIDConnect
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
- aid: tsb-bank:tsb-bank-branch-api
  name: TSB Bank Branch API
  description: Endpoint for getting Branch data
  humanURL: https://www.tsb.co.uk/help-and-support/open-banking/
  baseURL: https://apis.tsb.co.uk
  tags:
  - Branch
  properties:
  - type: OpenAPI
    url: openapi/tsb-bank-branch-api-openapi.yml
  - type: Documentation
    url: https://www.tsb.co.uk/help-and-support/open-banking/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: Documentation
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
  - type: OpenIDConnect
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
- aid: tsb-bank:tsb-bank-ccc-api
  name: TSB Bank CCC API
  description: Endpoint for getting Commercial Credit Card data
  humanURL: https://www.tsb.co.uk/help-and-support/open-banking/
  baseURL: https://apis.tsb.co.uk
  tags:
  - CCC
  properties:
  - type: OpenAPI
    url: openapi/tsb-bank-ccc-api-openapi.yml
  - type: Documentation
    url: https://www.tsb.co.uk/help-and-support/open-banking/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: Documentation
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
  - type: OpenIDConnect
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
- aid: tsb-bank:tsb-bank-pca-api
  name: TSB Bank PCA API
  description: Endpoint for getting Personal Current Account data
  humanURL: https://www.tsb.co.uk/help-and-support/open-banking/
  baseURL: https://apis.tsb.co.uk
  tags:
  - PCA
  properties:
  - type: OpenAPI
    url: openapi/tsb-bank-pca-api-openapi.yml
  - type: Documentation
    url: https://www.tsb.co.uk/help-and-support/open-banking/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: Documentation
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
  - type: OpenIDConnect
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
- aid: tsb-bank:tsb-bank-resource-server-apis-api
  name: TSB Bank Resource Server APIs API
  description: The Resource Server APIs API from TSB Bank — 2 operation(s) for resource server apis.
  humanURL: https://www.tsb.co.uk/help-and-support/open-banking/
  baseURL: https://apis.tsb.co.uk
  tags:
  - Resource Server APIs
  properties:
  - type: OpenAPI
    url: openapi/tsb-bank-resource-server-apis-api-openapi.yml
  - type: Documentation
    url: https://www.tsb.co.uk/help-and-support/open-banking/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: Documentation
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
  - type: OpenIDConnect
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
- aid: tsb-bank:tsb-bank-sme-api
  name: TSB Bank SME API
  description: Endpoint for getting Unsecured SME Loan data
  humanURL: https://www.tsb.co.uk/help-and-support/open-banking/
  baseURL: https://apis.tsb.co.uk
  tags:
  - SME
  properties:
  - type: OpenAPI
    url: openapi/tsb-bank-sme-api-openapi.yml
  - type: Documentation
    url: https://www.tsb.co.uk/help-and-support/open-banking/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: Documentation
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
  - type: OpenIDConnect
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
- aid: tsb-bank:tsb-bank-token-server-apis-api
  name: TSB Bank Token Server APIs API
  description: The Token Server APIs API from TSB Bank — 3 operation(s) for token server apis.
  humanURL: https://www.tsb.co.uk/help-and-support/open-banking/
  baseURL: https://apis.tsb.co.uk
  tags:
  - Token Server APIs
  properties:
  - type: OpenAPI
    url: openapi/tsb-bank-token-server-apis-api-openapi.yml
  - type: Documentation
    url: https://www.tsb.co.uk/help-and-support/open-banking/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: Documentation
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
  - type: OpenIDConnect
    url: https://apis.tsb.co.uk/.well-known/openid-configuration
common:
- type: CapabilityMap
  url: capabilities/tsb-bank-capability-edges.yml
  name: TSB Bank Business Capability Map
- type: Overlay
  url: overlays/tsb-bank-oauth-server-overlay.yaml
- type: Overlay
  url: overlays/tsb-bank-obie-open-data-overlay.yaml
- type: WellKnown
  url: well-known/tsb-bank-well-known.yml
- type: SecurityTxt
  url: well-known/tsb-bank-security.txt
- type: Conformance
  url: conformance/tsb-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/tsb-bank-lifecycle.yml
- type: Conventions
  url: conventions/tsb-bank-conventions.yml
- type: Idempotency
  url: conventions/tsb-bank-conventions.yml
- type: ErrorCatalog
  url: errors/tsb-bank-problem-types.yml
- type: DataModel
  url: data-model/tsb-bank-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/tsb-bank-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: ToolCrosswalk
  url: mcp/tsb-bank-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/tsb-bank-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Security
  url: https://www.tsb.co.uk/.well-known/security.txt
- type: AgenticAccess
  url: agentic-access/tsb-bank-agentic-access.yml
- type: OAuthScopes
  url: scopes/tsb-bank-scopes.yml
- type: Authentication
  url: authentication/tsb-bank-authentication.yml
- type: VulnerabilityDisclosure
  url: security/tsb-bank-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/tsb-bank-domain-security.yml
- type: Website
  url: https://www.tsb.co.uk/
- type: DeveloperPortal
  url: https://apis.developer.tsb.co.uk/
- type: Documentation
  url: https://www.tsb.co.uk/help-and-support/open-banking/
- type: LinkedIn
  url: https://www.linkedin.com/company/tsb-bank
- type: TermsOfService
  url: https://www.tsb.co.uk/legal/
- type: PrivacyPolicy
  url: https://www.tsb.co.uk/privacy/
- type: Support
  url: https://www.tsb.co.uk/help-and-support/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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