# Virgin Money UK **Canonical:** https://apis.io/providers/virgin-money-uk/ **Website:** https://uk.virginmoney.com/ **APIs profiled:** 12 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. ## Kin Score — 52.1 / 100 (developing) Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 52.1). | Facet | Score | |---|---| | Discoverability | 92.6 | | Contract Quality | 37.1 | | Governance | 30.3 | | Contract Governance | 30.3 | | Operational Transparency | 18.4 | | Developer Ergonomics | 37.5 | | Commercial Clarity | 57.1 | | Access Clarity | 57.1 | Regulatory layer — **Banking & Open Finance**: 88.6 (matched via tags). ## Agent readiness — 39.5 (agent-ready) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | na | | MCP Server | no | | Auth Clarity | yes | | Idempotency | na | | Error Semantics | documented | | OpenAPI Examples | no | | Rate Limit Signal | no | | Event Surface Described | no | | Agent Skills | derived | | Well Known Catalog | no | | Consent Identity | yes | | Agent Card | no | | Dry Run Mode | na | ## Access Self-serve TPP onboarding (Open Banking certificates required) — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium). ## APIs (12) - **Virgin Money UK Open Data API** — PUBLIC, unauthenticated OBIE Open Data API surface (ATM Locator, Branch Locator, Personal & Business Current Accounts, Unsecured SME Loans, Commercial Credit Cards). Represented... - **Virgin Money UK Account and Transaction API (AIS)** — OBIE Read/Write Account & Transaction Information (AIS) API - retrieve accounts, balances, transactions, beneficiaries, standing orders, direct debits, and statements. Merged br... - **Virgin Money UK Domestic Immediate Payment API (PIS)** — OBIE Read/Write Payment Initiation (PIS) API for domestic immediate payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA. - **Virgin Money UK Domestic Scheduled Payment API (PIS)** — OBIE Read/Write Payment Initiation (PIS) API for domestic scheduled payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA. - **Virgin Money UK File Payments API (PIS)** — OBIE Read/Write Payment Initiation (PIS) API for batch/file payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA. - **Virgin Money UK International Payments API (PIS)** — OBIE Read/Write Payment Initiation (PIS) API for international payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA. - **Virgin Money UK International Scheduled Payments API (PIS)** — OBIE Read/Write Payment Initiation (PIS) API for international scheduled payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA. - **Virgin Money UK Confirmation of Funds API (CBPII)** — 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... - **Virgin Money UK OIDC API** — 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... - **Virgin Money UK Token API** — 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.... - **Virgin Money UK Dynamic Client Registration API** — 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... - **Virgin Money UK Standalone Account and Transaction API (AIS)** — 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 ... ## Agentic access (1) - **Virgin Money Uk Agentic Access** — 12 operations ## Security (3) - **Virgin Money Uk Authentication** — oauth2/openIdConnect/mutualTLS · 3 schemes - **Virgin Money Uk Domain Security** — TLSv1.3 · HSTS · DMARC - **Virgin Money Uk Vulnerability Disclosure** — security.txt · contact published ## Tags Financial-Services, Banking, Open Banking, PSD2, OBIE, United Kingdom, Payments, Account Information, Confirmation of Funds, FAPI --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/virgin-money-uk/). Scores are computed from the provider's own public artifacts under a published rubric.