Virgin Money UK is a full-service UK retail and business bank, operating the Virgin Money, Clydesdale Bank, Yorkshire Bank, and B brands across personal current and savings accounts, mortgages, credit cards, and business banking. Formerly the FTSE-listed Virgin Money UK PLC (the former CYBG plc), it was acquired by Nationwide Building Society on 1 October 2024, making it part of a mutually owned group; its banking business is scheduled to transfer into Nationwide on 2 April 2026. The bank is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA as an ASPSP. It is not one of the original CMA9 but is a fully participating UK Open Banking provider under PSD2 and the Payment Services Regulations 2017, publishing OBIE Read/Write Standard APIs - Account & Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) - through its developer portal at developer.virginmoney.com, split into "Merged" APIs (Virgin Money, Clydesdale and Yorkshire accounts, sort codes 05/82) and "Standalone" APIs (personal accounts and credit cards, sort code 08). Access is secured with FAPI-grade OAuth2/OpenID Connect, PSD2 strong customer authentication, mutual-TLS client authentication, and dynamic client registration using OBIE (OBWAC/OBSeal) or eIDAS (QWAC/QSEAL) certificates.
Virgin Money UK publishes 17 API contracts indexed on the APIs.io network, including ATM API, BCA API, Branch API, and 14 more. Tagged areas include Financial Services, Banking, Open Banking, PSD2, and OBIE.
The Virgin Money UK catalog on APIs.io includes 1 Spectral governance ruleset.
Virgin Money UK’s developer surface includes authentication, documentation, support, and 23 more developer resources.
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 does not apply to this provider. The published contracts declare
no write operations, and a read-only API cannot create-or-update. The facet is excluded from this provider's
denominator entirely — not scored zero. A reference or data API is not deficient for being unable to
upsert.
The six quality facets above are damped to 85 points between them,
because the conditional facet above carries the other
15. That is why each facet's contribution is shown against a damped
maximum: raising a quality facet moves the composite by 85% of its nominal
weight, not 100%. The full arithmetic is at apis.io/rating/.
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<a href="https://apis.io/providers/virgin-money-uk/"><img src="https://apis.io/badge/virgin-money-uk/card.svg" alt="Virgin Money UK on APIs.io — Kin Score by API Evangelist"></a>
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Agent readiness — checks not met, largest first (exact, from this profile):
MCP Server+12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card+8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling+7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples+7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Typed Event Surface+6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
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
4 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
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.
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 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.
OBIE Read/Write Account & Transaction Information (AIS) API - retrieve accounts, balances, transactions, beneficiaries, standing orders, direct debits, and statements. Merged br...
OBIE Read/Write Payment Initiation (PIS) API for international scheduled payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
OBIE Read/Write Confirmation of Funds (CBPII) API - allows a Card Based Payment Instrument Issuer to check whether sufficient balance is available to make a payment. Merged bran...
Open Banking-compliant OpenID Connect provider for TPP authorisation. Live production discovery document confirmed (HTTP 200, 2026-07-23): issuer https://api.prod.ob.virginmoney...
OAuth2 token endpoint for obtaining access tokens used to call the OBIE Read/Write APIs. Documented at v3.0. Confirmed token endpoint (from live OIDC discovery): secureapi.prod....
OBIE Dynamic Client Registration (DCR) API allowing TPPs to register with Virgin Money brands using OBIE (OBWAC/OBSeal) or eIDAS (QWAC/QSEAL) certificates. Documented at v3.2. C...
OBIE Read/Write Account & Transaction Information (AIS) API for the Standalone brand family (personal credit cards and sort-code-08 current and savings accounts), documented at ...
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
aid: virgin-money-uk
url: https://raw.githubusercontent.com/api-evangelist/virgin-money-uk/refs/heads/main/apis.yml
name: Virgin Money UK
kind: company
description: Virgin Money UK is a full-service UK retail and business bank, operating the Virgin Money, Clydesdale Bank, Yorkshire
Bank, and B brands across personal current and savings accounts, mortgages, credit cards, and business banking. Formerly
the FTSE-listed Virgin Money UK PLC (the former CYBG plc), it was acquired by Nationwide Building Society on 1 October 2024,
making it part of a mutually owned group; its banking business is scheduled to transfer into Nationwide on 2 April 2026.
The bank is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA as an ASPSP. It is not one
of the original CMA9 but is a fully participating UK Open Banking provider under PSD2 and the Payment Services Regulations
2017, publishing OBIE Read/Write Standard APIs - Account & Transaction Information (AIS), Payment Initiation (PIS), and
Confirmation of Funds (CBPII) - through its developer portal at developer.virginmoney.com, split into "Merged" APIs (Virgin
Money, Clydesdale and Yorkshire accounts, sort codes 05/82) and "Standalone" APIs (personal accounts and credit cards, sort
code 08). Access is secured with FAPI-grade OAuth2/OpenID Connect, PSD2 strong customer authentication, mutual-TLS client
authentication, and dynamic client registration using OBIE (OBWAC/OBSeal) or eIDAS (QWAC/QSEAL) certificates.
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: unknown
trial: false
try_now: false
public: false
label: Unknown
confidence: low
source:
- authentication
- scopes
- security
generated: '2026-11-06'
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
- Confirmation of Funds
- FAPI
tags_raw:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- Confirmation of Funds
- FAPI
- Financial-Services
created: '2026-07-23'
modified: '2026-07-24'
specificationVersion: '0.23'
apis:
- aid: virgin-money-uk:account-transaction-api
name: Virgin Money UK Account and Transaction API (AIS)
description: OBIE Read/Write Account & Transaction Information (AIS) API - retrieve accounts, balances, transactions, beneficiaries,
standing orders, direct debits, and statements. Merged brand family (Virgin Money, Clydesdale, Yorkshire), OBIE v3.1.2.
FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
humanURL: https://developer.virginmoney.com/merged/accounts/
baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
tags:
- Account Information
- AISP
properties:
- type: Documentation
url: https://developer.virginmoney.com/merged/accounts/
- type: APIReference
url: https://developer.virginmoney.com/merged/accounts/
- type: Documentation
url: https://developer.virginmoney.com/standalone/account-and-transaction/
- aid: virgin-money-uk:domestic-payments-api
name: Virgin Money UK Domestic Immediate Payment API (PIS)
description: OBIE Read/Write Payment Initiation (PIS) API for domestic immediate payments. Merged brand family, OBIE v3.1.2.
FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
humanURL: https://developer.virginmoney.com/merged/dip/
baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
tags:
- Payment Initiation
- PISP
properties:
- type: Documentation
url: https://developer.virginmoney.com/merged/dip/
- type: APIReference
url: https://developer.virginmoney.com/merged/dip/
- aid: virgin-money-uk:domestic-scheduled-payments-api
name: Virgin Money UK Domestic Scheduled Payment API (PIS)
description: OBIE Read/Write Payment Initiation (PIS) API for domestic scheduled payments. Merged brand family, OBIE v3.1.2.
FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
humanURL: https://developer.virginmoney.com/merged/dsp/
baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
tags:
- Payment Initiation
- PISP
properties:
- type: Documentation
url: https://developer.virginmoney.com/merged/dsp/
- type: APIReference
url: https://developer.virginmoney.com/merged/dsp/
- aid: virgin-money-uk:file-payments-api
name: Virgin Money UK File Payments API (PIS)
description: OBIE Read/Write Payment Initiation (PIS) API for batch/file payments. Merged brand family, OBIE v3.1.2. FAPI
OAuth2/OIDC + mTLS + PSD2 SCA.
humanURL: https://developer.virginmoney.com/merged/file-payments/
baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
tags:
- Payment Initiation
- File Payments
properties:
- type: Documentation
url: https://developer.virginmoney.com/merged/file-payments/
- type: APIReference
url: https://developer.virginmoney.com/merged/file-payments/
- aid: virgin-money-uk:international-payments-api
name: Virgin Money UK International Payments API (PIS)
description: OBIE Read/Write Payment Initiation (PIS) API for international payments. Merged brand family, OBIE v3.1.2.
FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
humanURL: https://developer.virginmoney.com/merged/ip/
baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
tags:
- Payment Initiation
- International Payments
properties:
- type: Documentation
url: https://developer.virginmoney.com/merged/ip/
- type: APIReference
url: https://developer.virginmoney.com/merged/ip/
- aid: virgin-money-uk:international-scheduled-payments-api
name: Virgin Money UK International Scheduled Payments API (PIS)
description: OBIE Read/Write Payment Initiation (PIS) API for international scheduled payments. Merged brand family, OBIE
v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
humanURL: https://developer.virginmoney.com/merged/isp/
baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
tags:
- Payment Initiation
- International Scheduled Payments
properties:
- type: Documentation
url: https://developer.virginmoney.com/merged/isp/
- type: APIReference
url: https://developer.virginmoney.com/merged/isp/
- aid: virgin-money-uk:confirmation-of-funds-api
name: Virgin Money UK Confirmation of Funds API (CBPII)
description: OBIE Read/Write Confirmation of Funds (CBPII) API - allows a Card Based Payment Instrument Issuer to check
whether sufficient balance is available to make a payment. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS +
PSD2 SCA.
humanURL: https://developer.virginmoney.com/merged/cof/
baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
tags:
- Confirmation of Funds
- CBPII
properties:
- type: Documentation
url: https://developer.virginmoney.com/merged/cof/
- type: APIReference
url: https://developer.virginmoney.com/merged/cof/
- aid: virgin-money-uk:oidc-api
name: Virgin Money UK OIDC API
description: 'Open Banking-compliant OpenID Connect provider for TPP authorisation. Live production discovery document confirmed
(HTTP 200, 2026-07-23): issuer https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production, authorization, token,
and registration endpoints, acr urn:openbanking:psd2:sca, tls_client_auth and private_key_jwt supported.'
humanURL: https://developer.virginmoney.com/standalone/oidc/
baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
tags:
- OpenID Connect
- Authentication
- FAPI
tags_raw:
- OIDC
- Authentication
- FAPI
properties:
- type: Documentation
url: https://developer.virginmoney.com/standalone/oidc/
- type: WellKnown
url: well-known/virgin-money-uk-openid-configuration.json
- type: APIReference
url: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production/.well-known/openid-configuration
- aid: virgin-money-uk:token-api
name: Virgin Money UK Token API
description: 'OAuth2 token endpoint for obtaining access tokens used to call the OBIE Read/Write APIs. Documented at v3.0.
Confirmed token endpoint (from live OIDC discovery): secureapi.prod.ob.virginmoney.com.'
humanURL: https://developer.virginmoney.com/merged/token/
baseURL: https://secureapi.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
tags:
- OAuth
- Tokens
- Authentication
tags_raw:
- OAuth2
- Token
- Authentication
properties:
- type: Documentation
url: https://developer.virginmoney.com/merged/token/
- type: APIReference
url: https://developer.virginmoney.com/merged/token/
- aid: virgin-money-uk:dynamic-client-registration-api
name: Virgin Money UK Dynamic Client Registration API
description: 'OBIE Dynamic Client Registration (DCR) API allowing TPPs to register with Virgin Money brands using OBIE (OBWAC/OBSeal)
or eIDAS (QWAC/QSEAL) certificates. Documented at v3.2. Confirmed registration endpoint (from live OIDC discovery): secureapi.prod.ob.virginmoney.com/.../register.'
humanURL: https://developer.virginmoney.com/merged/dynamic-registration/
baseURL: https://secureapi.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
tags:
- Dynamic Client Registration
- Onboarding
properties:
- type: Documentation
url: https://developer.virginmoney.com/merged/dynamic-registration/
- type: APIReference
url: https://developer.virginmoney.com/merged/dynamic-registration/
- aid: virgin-money-uk:standalone-account-transaction-api
name: Virgin Money UK Standalone Account and Transaction API (AIS)
description: OBIE Read/Write Account & Transaction Information (AIS) API for the Standalone brand family (personal credit
cards and sort-code-08 current and savings accounts), documented at OBIE v3.1.1. FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
humanURL: https://developer.virginmoney.com/standalone/account-and-transaction/
baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
tags:
- Account Information
- AISP
properties:
- type: Documentation
url: https://developer.virginmoney.com/standalone/account-and-transaction/
- type: APIReference
url: https://developer.virginmoney.com/standalone-apis/our-apis/accounts/account-and-transaction/v/3.1.1/
- aid: virgin-money-uk:virgin-money-uk-atm-api
name: Virgin Money UK ATM API
description: Endpoint for getting ATM data
humanURL: https://developer.virginmoney.com/
baseURL: https://api-ib.cybservices.co.uk/ibapi/v2/banks/CB/open-banking
tags:
- ATM
properties:
- type: OpenAPI
url: openapi/virgin-money-uk-atm-api-openapi.yml
- type: Documentation
url: https://developer.virginmoney.com/
- type: APIReference
url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
- aid: virgin-money-uk:virgin-money-uk-bca-api
name: Virgin Money UK BCA API
description: Endpoint for getting Business Current Account data
humanURL: https://developer.virginmoney.com/
baseURL: https://api-ib.cybservices.co.uk/ibapi/v2/banks/CB/open-banking
tags:
- BCA
properties:
- type: OpenAPI
url: openapi/virgin-money-uk-bca-api-openapi.yml
- type: Documentation
url: https://developer.virginmoney.com/
- type: APIReference
url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
- aid: virgin-money-uk:virgin-money-uk-branch-api
name: Virgin Money UK Branch API
description: Endpoint for getting Branch data
humanURL: https://developer.virginmoney.com/
baseURL: https://api-ib.cybservices.co.uk/ibapi/v2/banks/CB/open-banking
tags:
- Branch
properties:
- type: OpenAPI
url: openapi/virgin-money-uk-branch-api-openapi.yml
- type: Documentation
url: https://developer.virginmoney.com/
- type: APIReference
url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
- aid: virgin-money-uk:virgin-money-uk-ccc-api
name: Virgin Money UK CCC API
description: Endpoint for getting Commercial Credit Card data
humanURL: https://developer.virginmoney.com/
baseURL: https://api-ib.cybservices.co.uk/ibapi/v2/banks/CB/open-banking
tags:
- CCC
properties:
- type: OpenAPI
url: openapi/virgin-money-uk-ccc-api-openapi.yml
- type: Documentation
url: https://developer.virginmoney.com/
- type: APIReference
url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
- aid: virgin-money-uk:virgin-money-uk-pca-api
name: Virgin Money UK PCA API
description: Endpoint for getting Personal Current Account data
humanURL: https://developer.virginmoney.com/
baseURL: https://api-ib.cybservices.co.uk/ibapi/v2/banks/CB/open-banking
tags:
- PCA
properties:
- type: OpenAPI
url: openapi/virgin-money-uk-pca-api-openapi.yml
- type: Documentation
url: https://developer.virginmoney.com/
- type: APIReference
url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
- aid: virgin-money-uk:virgin-money-uk-sme-api
name: Virgin Money UK SME API
description: Endpoint for getting Unsecured SME Loan data
humanURL: https://developer.virginmoney.com/
baseURL: https://api-ib.cybservices.co.uk/ibapi/v2/banks/CB/open-banking
tags:
- Small Business
tags_raw:
- SME
properties:
- type: OpenAPI
url: openapi/virgin-money-uk-sme-api-openapi.yml
- type: Documentation
url: https://developer.virginmoney.com/
- type: APIReference
url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
common:
- type: CapabilityMap
url: capabilities/virgin-money-uk-capability-edges.yml
name: Virgin Money UK Business Capability Map
- type: AgenticAccess
url: agentic-access/virgin-money-uk-agentic-access.yml
- type: VulnerabilityDisclosure
url: security/virgin-money-uk-vulnerability-disclosure.yml
- type: DomainSecurity
url: security/virgin-money-uk-domain-security.yml
- type: Security
url: security/virgin-money-uk-vulnerability-disclosure.yml
- type: WellKnown
url: well-known/virgin-money-uk-well-known.yml
- type: WellKnown
url: well-known/virgin-money-uk-openid-configuration.json
- type: SecurityTxt
url: well-known/virgin-money-uk-security.txt
- type: Authentication
url: authentication/virgin-money-uk-authentication.yml
- type: OAuthScopes
url: scopes/virgin-money-uk-scopes.yml
- type: Conformance
url: conformance/virgin-money-uk-conformance.yml
- type: Conventions
url: conventions/virgin-money-uk-conventions.yml
- type: Idempotency
url: conventions/virgin-money-uk-conventions.yml
- type: ErrorCatalog
url: errors/virgin-money-uk-problem-types.yml
- type: Lifecycle
url: lifecycle/virgin-money-uk-lifecycle.yml
- type: Deprecation
url: lifecycle/virgin-money-uk-lifecycle.yml
- type: DataModel
url: data-model/virgin-money-uk-data-model.yml
- type: Overlay
url: overlays/virgin-money-uk-opendata-overlay.yaml
- type: LLMsTxt
url: llms/virgin-money-uk-llms.txt
- type: AgentSkill
url: skills/virgin-money-uk-locate-atms-branches.md
- type: Website
url: https://uk.virginmoney.com/
- type: DeveloperPortal
url: https://developer.virginmoney.com/
- type: Documentation
url: https://developer.virginmoney.com/merged/
- type: Support
url: https://uk.virginmoney.com/support/
- type: TermsOfService
url: https://uk.virginmoney.com/terms/
- type: PrivacyPolicy
url: https://uk.virginmoney.com/privacy/
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
Virgin Money UK API — frequently asked questions
Does Virgin Money UK have an API?
Yes. APIs.io lists 17 APIs from Virgin Money UK, including Virgin Money UK Account and Transaction API (AIS), Virgin Money UK Domestic Immediate Payment API (PIS) and Virgin Money UK Domestic Scheduled Payment API (PIS), and 14 more.
Is there an OpenAPI specification for the Virgin Money UK API?
Yes. APIs.io indexes 6 OpenAPI specifications for Virgin Money UK, each linked for download from this page.
How do I authenticate with the Virgin Money UK API?
Virgin Money UK documents its authentication (oauth2/openIdConnect/mutualTLS · 3 schemes). The details are profiled on APIs.io as Virgin Money Uk Authentication.
Is the Virgin Money UK API ready for AI agents?
Virgin Money UK has a Kin Score of 47.0 out of 100 (developing) and an Agent Readiness score of 36.5 (agent-ready), scored by API Evangelist on 2026-11-06.
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