Vanquis Banking Group

Vanquis Banking Group plc (formerly Provident Financial plc, rebranded 2023) is a UK specialist non-prime lender and savings bank headquartered in Bradford, England, listed on the London Stock Exchange under the ticker VANQ and serving around 1.75 million customers under the Vanquis, Moneybarn and Snoop brands. It offers credit cards, unsecured personal loans, second-charge mortgages, retail savings (easy-access, fixed-rate, notice and ISA accounts) and consumer vehicle finance to customers underserved by mainstream lenders. Its banking subsidiary, Vanquis Bank Limited, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (Financial Services Register no. 221156) and, as an FCA-authorised ASPSP, is a UK Open Banking participant (not one of the CMA9). Vanquis exposes the OBIE Read/Write API family - Account and Transaction Information (AIS), Payment Initiation (PIS) and Confirmation of Funds (CBPII) at v3.1.10 - plus Dynamic Client Registration, onboarded and secured through the Open Banking Directory under the PSD2 / FAPI security profile (OAuth2/OIDC, mutual-TLS and strong customer authentication). As a credit-card and savings specialist with no branch or current-account estate, Vanquis publishes no public Open Data (ATM/Branch/PCA/BCA) API.

Vanquis Banking Group publishes 3 APIs on the APIs.io network: Vanquis Bank Account and Transaction API (AIS), Vanquis Bank Payment Initiation API (PIS), and Vanquis Bank Confirmation of Funds API (CBPII). Tagged areas include Financial Services, Banking, Open Banking, PSD2, and OBIE.

Vanquis Banking Group’s developer surface includes authentication, documentation, signup flow, support, and 24 more developer resources.

🌐 Visit website 📡 Source on GitHub

45.0/100 developing ▬ flat Agent 74/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

4 APIs 1 MCP Servers

Financial ServicesBankingOpen BankingPSD2OBIEUnited KingdomSpecialist LenderCredit CardsAccount InformationPayments

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 45.0/100 · developing

Contract Quality 12.1 / 25

Developer Ergonomics 9.6 / 20

Commercial Clarity 6.8 / 20

Operational Transparency 1.0 / 13

Governance 0.0 / 12

Discoverability 10.0 / 10

Agent readiness — 74/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 15 / 15

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 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

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APIs 4

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.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Vanquis Banking Group Scopes

3 scopes · clientCredentials/authorizationCode

3 scopes

SCOPES

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

SignUp

SignUp

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conformance

Lifecycle

Conventions

Idempotency

DataModel

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

OAuthScopes

OAuthScopes

Authentication

Authentication

Operate 3

Status, limits, changes, and where to get help

Support

Support

Contact

Contact

Deprecation

Deprecation

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Website

Website

LinkedIn

Other 3

Properties that don't map to a standard resource type

Overlay

Overlay

Overlay

Overlay

Overlay

Overlay

Source (apis.yml)

aid: vanquis-banking-group
url: https://raw.githubusercontent.com/api-evangelist/vanquis-banking-group/refs/heads/main/apis.yml
name: Vanquis Banking Group
kind: company
description: Vanquis Banking Group plc (formerly Provident Financial plc, rebranded 2023) is a UK specialist non-prime lender
  and savings bank headquartered in Bradford, England, listed on the London Stock Exchange under the ticker VANQ and serving
  around 1.75 million customers under the Vanquis, Moneybarn and Snoop brands. It offers credit cards, unsecured personal
  loans, second-charge mortgages, retail savings (easy-access, fixed-rate, notice and ISA accounts) and consumer vehicle finance
  to customers underserved by mainstream lenders. Its banking subsidiary, Vanquis Bank Limited, is authorised by the Prudential
  Regulation Authority and regulated by the Financial Conduct Authority (Financial Services Register no. 221156) and, as an
  FCA-authorised ASPSP, is a UK Open Banking participant (not one of the CMA9). Vanquis exposes the OBIE Read/Write API family
  - Account and Transaction Information (AIS), Payment Initiation (PIS) and Confirmation of Funds (CBPII) at v3.1.10 - plus
  Dynamic Client Registration, onboarded and secured through the Open Banking Directory under the PSD2 / FAPI security profile
  (OAuth2/OIDC, mutual-TLS and strong customer authentication). As a credit-card and savings specialist with no branch or
  current-account estate, Vanquis publishes no public Open Data (ATM/Branch/PCA/BCA) API.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve onboarding via Open Banking Directory
  confidence: medium
  source:
  - authentication
  - onboarding
  generated: '2026-07-23'
  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
- Specialist Lender
- Credit Cards
- Account Information
- Payments
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: vanquis-banking-group:vanquis-account-transaction-api
  name: Vanquis Bank Account and Transaction API (AIS)
  description: Vanquis Bank's OBIE Read/Write Account and Transaction Information API (AISP), conformant to the Open Banking
    Implementation Entity Read/Write Data API Standard v3.1.10. Enables authorised Account Information Service Providers to
    access account, balance and transaction data with customer consent, secured under the PSD2 / FAPI profile (OAuth2/OIDC,
    mutual-TLS, SCA). The production host is provisioned to each TPP during Open Banking Directory onboarding and is not publicly
    published; the harvested OpenAPI is the shared OBIE standard contract Vanquis conforms to, not a Vanquis-proprietary document.
  humanURL: https://www.vanquis.com/developer-portal/
  baseURL: ''
  tags:
  - Account Information
  - AISP
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/obie-account-info-openapi.yaml
  - type: Documentation
    url: https://openbanking.atlassian.net/wiki/spaces/DZ/pages/937820271/Account+and+Transaction+API+Specification+-+v3.1
  - type: APIReference
    url: https://www.vanquis.com/developer-portal/
  - type: DeveloperPortal
    url: https://www.vanquis.com/developer-portal/
- aid: vanquis-banking-group:vanquis-payment-initiation-api
  name: Vanquis Bank Payment Initiation API (PIS)
  description: Vanquis Bank's OBIE Read/Write Payment Initiation API (PISP), conformant to the Open Banking Implementation
    Entity Read/Write API Standard v3.1.10. Enables authorised Payment Initiation Service Providers to initiate payments from
    a customer account with consent, secured under the PSD2 / FAPI profile (OAuth2/OIDC, mutual-TLS, SCA). The production
    host is provisioned per TPP during Open Banking Directory onboarding and is not publicly published; the harvested OpenAPI
    is the shared OBIE standard contract, not a Vanquis proprietary document.
  humanURL: https://www.vanquis.com/developer-portal/
  baseURL: ''
  tags:
  - Payment Initiation
  - PISP
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/obie-payment-initiation-openapi.yaml
  - type: Documentation
    url: https://openbanking.atlassian.net/wiki/spaces/DZ/pages/937754701/Payment+Initiation+API+Specification+-+v3.1
  - type: APIReference
    url: https://www.vanquis.com/developer-portal/
  - type: DeveloperPortal
    url: https://www.vanquis.com/developer-portal/
- aid: vanquis-banking-group:vanquis-confirmation-of-funds-api
  name: Vanquis Bank Confirmation of Funds API (CBPII)
  description: Vanquis Bank's OBIE Read/Write Confirmation of Funds API (CBPII), conformant to the Open Banking Implementation
    Entity Read/Write API Standard v3.1.10. Allows authorised Card Based Payment Instrument Issuers to confirm the availability
    of funds on a customer account with consent, secured under the PSD2 / FAPI profile (OAuth2/OIDC, mutual-TLS, SCA). The
    production host is provisioned per TPP during Open Banking Directory onboarding and is not publicly published; the harvested
    OpenAPI is the shared OBIE standard contract, not a Vanquis proprietary document.
  humanURL: https://www.vanquis.com/developer-portal/
  baseURL: ''
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/obie-confirmation-funds-openapi.yaml
  - type: Documentation
    url: https://openbanking.atlassian.net/wiki/spaces/DZ/pages/937951380/Confirmation+of+Funds+API+Specification+-+v3.1
  - type: APIReference
    url: https://www.vanquis.com/developer-portal/
  - type: DeveloperPortal
    url: https://www.vanquis.com/developer-portal/
- aid: vanquis-banking-group:vanquis-dynamic-client-registration-api
  name: Vanquis Bank Dynamic Client Registration API
  description: Vanquis Bank's OpenID / OBIE Dynamic Client Registration (DCR) endpoint, documented on the Vanquis developer
    portal, allowing onboarded Third Party Providers to register OAuth clients programmatically using OBIE/eIDAS certificates
    as part of the Open Banking Directory enrolment flow. The production host is provisioned per TPP during onboarding and
    is not publicly published; no Vanquis-proprietary OpenAPI is published for this surface.
  humanURL: https://www.vanquis.com/developer-portal/
  baseURL: ''
  tags:
  - Dynamic Client Registration
  - Onboarding
  - Open Banking
  properties:
  - type: Documentation
    url: https://openbanking.atlassian.net/wiki/spaces/DZ/pages/36667724/The+OpenBanking+OpenID+Dynamic+Client+Registration+Specification+-+v1.0.0-rc2
  - type: APIReference
    url: https://www.vanquis.com/developer-portal/
  - type: DeveloperPortal
    url: https://www.vanquis.com/developer-portal/
common:
- type: DomainSecurity
  url: security/vanquis-banking-group-domain-security.yml
- type: AgenticAccess
  url: agentic-access/vanquis-banking-group-agentic-access.yml
- type: OAuthScopes
  url: scopes/vanquis-banking-group-scopes.yml
- type: Authentication
  url: authentication/vanquis-banking-group-authentication.yml
- type: Website
  url: https://www.vanquis.com/
- type: Website
  name: Group / Investor site
  url: https://www.vanquisbankinggroup.com/
- type: DeveloperPortal
  url: https://www.vanquis.com/developer-portal/
- type: Documentation
  url: https://openbanking.atlassian.net/wiki/spaces/DZ/overview
- type: SignUp
  url: https://directory.openbanking.org.uk/s/login/SelfRegister
- type: Support
  url: https://directory.openbanking.org.uk/obieservicedesk/s/
- type: LinkedIn
  url: https://www.linkedin.com/company/vanquis/
- type: TermsOfService
  url: https://www.vanquis.com/legal/terms-of-use/
- type: PrivacyPolicy
  url: https://www.vanquis.com/legal/privacy/
- type: Contact
  url: https://www.vanquis.com/contact-us/
- type: ErrorCatalog
  url: errors/vanquis-banking-group-problem-types.yml
- type: Conformance
  url: conformance/vanquis-banking-group-conformance.yml
- type: Lifecycle
  url: lifecycle/vanquis-banking-group-lifecycle.yml
- type: Deprecation
  url: lifecycle/vanquis-banking-group-lifecycle.yml
- type: Conventions
  url: conventions/vanquis-banking-group-conventions.yml
- type: Idempotency
  url: conventions/vanquis-banking-group-conventions.yml
- type: MCPServer
  url: mcp/vanquis-banking-group-mcp.yml
- type: LLMsTxt
  url: llms/vanquis-banking-group-llms.txt
- type: Overlay
  name: Account and Transaction (AIS) enhancements
  url: overlays/vanquis-banking-group-aisp-overlay.yaml
- type: Overlay
  name: Payment Initiation (PIS) enhancements
  url: overlays/vanquis-banking-group-pisp-overlay.yaml
- type: Overlay
  name: Confirmation of Funds (CBPII) enhancements
  url: overlays/vanquis-banking-group-cbpii-overlay.yaml
- type: DataModel
  url: data-model/vanquis-banking-group-data-model.yml
- type: AgentSkill
  name: Read Vanquis account and transaction data (AIS)
  url: skills/vanquis-read-account-transactions.md
- type: AgentSkill
  name: Initiate a domestic payment from Vanquis (PIS)
  url: skills/vanquis-initiate-domestic-payment.md
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Vanquis Banking Group

Kin Score

APIs 4

Vanquis Bank Account and Transaction API (AIS)

Vanquis Bank Payment Initiation API (PIS)

Vanquis Bank Confirmation of Funds API (CBPII)

Vanquis Bank Dynamic Client Registration API

MCP Servers 1

vanquis-banking-group-mcp.yml

Security Posture 2

Vanquis Banking Group Authentication

Vanquis Banking Group Domain Security

Scopes 1

Vanquis Banking Group Scopes

Agentic Access 1

Vanquis Banking Group Agentic Access

Resources

Get Started 2

Documentation 1

Agent Surfaces 5

Design & Contract 6

Access & Security 3

Operate 3

Commercial 2

Company 3

Other 3

Source (apis.yml)