# TSB Bank

**Canonical:** https://apis.io/providers/tsb-bank/  
**Website:** https://www.tsb.co.uk/  
**APIs profiled:** 5

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.

## Kin Score — 44.6 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 44.6).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 42.8 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 37.5 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 88.6 (matched via tags).

## Agent readiness — 40.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| 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 |

## APIs (5)

- **TSB Open Data API** — TSB's public, unauthenticated Open Data API conformant to the OBIE Open Data API Standard, exposing reference data for ATMs, branches, personal current accounts, business curren...
- **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 OAuth Toolkit (OTK) Server** — TSB's OpenID Connect / OAuth2 authorization server (Curity OAuth Toolkit, OTK Server APIs v4.3.1), backing the FAPI-secured OBIE Read/Write services. Exposes the authorize, toke...

## MCP servers (1)

- **TSB Bank MCP Server**

## Agentic access (1)

- **Tsb Bank Agentic Access** — 31 operations · 6 acting · 1 human-in-the-loop

## Security (3)

- **Tsb Bank Authentication** — oauth2/openIdConnect/mutualTLS · 3 schemes
- **Tsb Bank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Tsb Bank Vulnerability Disclosure** — security.txt · contact published

## Tags

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

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