# Vanquis Banking Group

**Canonical:** https://apis.io/providers/vanquis-banking-group/  
**Website:** https://www.vanquis.com/  
**APIs profiled:** 4

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.

## Kin Score — 44.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 44.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 50.8 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 37.5 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Banking & Open Finance**: 70.9 (matched via tags).

## Agent readiness — 40.4 (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 | no |
| Rate Limit Signal | verified |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve onboarding via Open Banking Directory — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (4)

- **Vanquis Bank Account and Transaction API (AIS)** — 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...
- **Vanquis Bank Payment Initiation API (PIS)** — 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 In...
- **Vanquis Bank Confirmation of Funds API (CBPII)** — 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 Ba...
- **Vanquis Bank Dynamic Client Registration API** — Vanquis Bank's OpenID / OBIE Dynamic Client Registration (DCR) endpoint, documented on the Vanquis developer portal, allowing onboarded Third Party Providers to register OAuth c...

## MCP servers (1)

- **Vanquis Banking Group MCP Server**

## Agentic access (1)

- **Vanquis Banking Group Agentic Access** — 74 operations · 20 acting

## Security (2)

- **Vanquis Banking Group Authentication** — oauth2 · 2 schemes
- **Vanquis Banking Group Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, Open Banking, PSD2, OBIE, United Kingdom, Specialist Lender, Credit Cards, Account Information, Payments

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