zopa

Zopa Bank is a UK FCA-authorised, PRA-regulated digital bank offering flexible savings, personal loans, credit cards, car finance and the Biscuit current account. As a registered Account Servicing Payment Service Provider (ASPSP), Zopa exposes UK Open Banking Read/Write v4.0.0 APIs to authorised Third Party Providers: an Account & Transaction API (AIS) for consent-based access to accounts, balances, transactions, statements, standing orders, direct debits, beneficiaries and party data, and a Payment Initiation API (PIS) for domestic payments and standing orders. Access uses OAuth2 (client-credentials for TPPs, authorization-code for PSUs) over mutual TLS with FAPI headers and JWS request signing. Zopa was surfaced as a portfolio company of Balderton Capital, Bessemer Venture Partners, HV Capital, Northzone, QED Investors and SoftBank Vision Fund.

zopa publishes 12 APIs on the APIs.io network, including Account Access API, Accounts API, Balances API, and 9 more. Tagged areas include Company, Banking, Fintech, Open Banking, and PSD2.

zopa’s developer surface includes authentication, sandbox, documentation, engineering blog, support, and 23 more developer resources.

🌐 Visit website 📡 Source on GitHub
53.3/100 developing ▬ flat Agent 81/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
12 APIs 1 MCP Servers
CompanyBankingFintechOpen BankingPSD2PaymentsAccount InformationPayment InitiationFAPIUnited KingdomDigital BankLending

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 53.3/100 · developing
Contract Quality 14.0 / 25
Developer Ergonomics 11.3 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 81/100 · 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 4 / 4
Consent & Bot Identity 3 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/zopa: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 12

Individual APIs this provider publishes, each with its own machine-readable definition.

zopa Account Access API

The Account Access API from zopa — 2 operation(s) for account access.

zopa Accounts API

The Accounts API from zopa — 2 operation(s) for accounts.

zopa Balances API

The Balances API from zopa — 1 operation(s) for balances.

zopa Beneficiaries API

The Beneficiaries API from zopa — 1 operation(s) for beneficiaries.

zopa Direct Debits API

The Direct Debits API from zopa — 1 operation(s) for direct debits.

zopa Domestic Payments API

The Domestic Payments API from zopa — 5 operation(s) for domestic payments.

zopa Domestic Standing Orders API

The Domestic Standing Orders API from zopa — 4 operation(s) for domestic standing orders.

zopa Offers API

The Offers API from zopa — 1 operation(s) for offers.

zopa Parties API

The Parties API from zopa — 2 operation(s) for parties.

zopa Standing Orders API

The Standing Orders API from zopa — 1 operation(s) for standing orders.

zopa Statements API

The Statements API from zopa — 1 operation(s) for statements.

zopa Transactions API

The Transactions API from zopa — 1 operation(s) for transactions.

Scroll for all 12

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

zopa-mcp.yml

MCP SERVER

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Zopa Authentication

oauth2 · 2 schemes

SECURITY

Zopa Domain Security

TLSv1.3 · DMARC

SECURITY

Zopa Vulnerability Disclosure

Intigriti · security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Zopa Scopes

2 scopes · clientCredentials/authorizationCode

2 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Zopa Agentic Access

23 operations · 6 acting

23 operations · 6 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Sandbox
Sandbox
 DeveloperPortal
DeveloperPortal
 Login
Login

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 WellKnown
WellKnown
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

ErrorCatalog
ErrorCatalog
 Conventions
Conventions
 Idempotency
Idempotency
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel

Access & Security 7

Authentication, authorization, and security posture

OAuthScopes
OAuthScopes
 Authentication
Authentication
 DomainSecurity
DomainSecurity
 SecurityTxt
SecurityTxt
 VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security
 Compliance
Compliance

Scroll for all 7

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Website
Website
 Blog
Blog
 Careers
Careers

Source (apis.yml)

apis.yml Raw ↑ 
aid: zopa
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/zopa.png
name: zopa
description: 'Zopa Bank is a UK FCA-authorised, PRA-regulated digital bank offering flexible savings, personal loans, credit
  cards, car finance and the Biscuit current account. As a registered Account Servicing Payment Service Provider (ASPSP),
  Zopa exposes UK Open Banking Read/Write v4.0.0 APIs to authorised Third Party Providers: an Account & Transaction API (AIS)
  for consent-based access to accounts, balances, transactions, statements, standing orders, direct debits, beneficiaries
  and party data, and a Payment Initiation API (PIS) for domestic payments and standing orders. Access uses OAuth2 (client-credentials
  for TPPs, authorization-code for PSUs) over mutual TLS with FAPI headers and JWS request signing. Zopa was surfaced as a
  portfolio company of Balderton Capital, Bessemer Venture Partners, HV Capital, Northzone, QED Investors and SoftBank Vision
  Fund.'
url: https://raw.githubusercontent.com/api-evangelist/zopa/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- balderton-capital
- bessemer-venture-partners
- hv-capital
- northzone
- qed-investors
- softbank-vision-fund
x-tier: enriched
x-tier-reason: open-banking-aspsp-surface-harvested
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Banking
- Fintech
- Open Banking
- PSD2
- Payments
- Account Information
- Payment Initiation
- FAPI
- United Kingdom
- Digital Bank
- Lending
apis:
- aid: zopa:zopa-account-access-api
  name: zopa Account Access API
  description: The Account Access API from zopa — 2 operation(s) for account access.
  humanURL: https://www.zopa.com/open-banking-developer
  baseURL: https://developer.openbanking-sandbox.zopa.com/open-banking/v4.0/aisp
  tags:
  - Account Access
  properties:
  - type: OpenAPI
    url: openapi/zopa-account-access-api-openapi.yml
  - type: Documentation
    url: https://www.zopa.com/open-banking-developer
- aid: zopa:zopa-accounts-api
  name: zopa Accounts API
  description: The Accounts API from zopa — 2 operation(s) for accounts.
  humanURL: https://www.zopa.com/open-banking-developer
  baseURL: https://developer.openbanking-sandbox.zopa.com/open-banking/v4.0/aisp
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/zopa-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.zopa.com/open-banking-developer
- aid: zopa:zopa-balances-api
  name: zopa Balances API
  description: The Balances API from zopa — 1 operation(s) for balances.
  humanURL: https://www.zopa.com/open-banking-developer
  baseURL: https://developer.openbanking-sandbox.zopa.com/open-banking/v4.0/aisp
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/zopa-balances-api-openapi.yml
  - type: Documentation
    url: https://www.zopa.com/open-banking-developer
- aid: zopa:zopa-beneficiaries-api
  name: zopa Beneficiaries API
  description: The Beneficiaries API from zopa — 1 operation(s) for beneficiaries.
  humanURL: https://www.zopa.com/open-banking-developer
  baseURL: https://developer.openbanking-sandbox.zopa.com/open-banking/v4.0/aisp
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/zopa-beneficiaries-api-openapi.yml
  - type: Documentation
    url: https://www.zopa.com/open-banking-developer
- aid: zopa:zopa-direct-debits-api
  name: zopa Direct Debits API
  description: The Direct Debits API from zopa — 1 operation(s) for direct debits.
  humanURL: https://www.zopa.com/open-banking-developer
  baseURL: https://developer.openbanking-sandbox.zopa.com/open-banking/v4.0/aisp
  tags:
  - Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/zopa-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.zopa.com/open-banking-developer
- aid: zopa:zopa-domestic-payments-api
  name: zopa Domestic Payments API
  description: The Domestic Payments API from zopa — 5 operation(s) for domestic payments.
  humanURL: https://www.zopa.com/open-banking-developer
  baseURL: https://developer.openbanking-sandbox.zopa.com/open-banking/v4.0/aisp
  tags:
  - Domestic Payments
  properties:
  - type: OpenAPI
    url: openapi/zopa-domestic-payments-api-openapi.yml
  - type: Documentation
    url: https://www.zopa.com/open-banking-developer
- aid: zopa:zopa-domestic-standing-orders-api
  name: zopa Domestic Standing Orders API
  description: The Domestic Standing Orders API from zopa — 4 operation(s) for domestic standing orders.
  humanURL: https://www.zopa.com/open-banking-developer
  baseURL: https://developer.openbanking-sandbox.zopa.com/open-banking/v4.0/aisp
  tags:
  - Domestic Standing Orders
  properties:
  - type: OpenAPI
    url: openapi/zopa-domestic-standing-orders-api-openapi.yml
  - type: Documentation
    url: https://www.zopa.com/open-banking-developer
- aid: zopa:zopa-offers-api
  name: zopa Offers API
  description: The Offers API from zopa — 1 operation(s) for offers.
  humanURL: https://www.zopa.com/open-banking-developer
  baseURL: https://developer.openbanking-sandbox.zopa.com/open-banking/v4.0/aisp
  tags:
  - Offers
  properties:
  - type: OpenAPI
    url: openapi/zopa-offers-api-openapi.yml
  - type: Documentation
    url: https://www.zopa.com/open-banking-developer
- aid: zopa:zopa-parties-api
  name: zopa Parties API
  description: The Parties API from zopa — 2 operation(s) for parties.
  humanURL: https://www.zopa.com/open-banking-developer
  baseURL: https://developer.openbanking-sandbox.zopa.com/open-banking/v4.0/aisp
  tags:
  - Parties
  properties:
  - type: OpenAPI
    url: openapi/zopa-parties-api-openapi.yml
  - type: Documentation
    url: https://www.zopa.com/open-banking-developer
- aid: zopa:zopa-standing-orders-api
  name: zopa Standing Orders API
  description: The Standing Orders API from zopa — 1 operation(s) for standing orders.
  humanURL: https://www.zopa.com/open-banking-developer
  baseURL: https://developer.openbanking-sandbox.zopa.com/open-banking/v4.0/aisp
  tags:
  - Standing Orders
  properties:
  - type: OpenAPI
    url: openapi/zopa-standing-orders-api-openapi.yml
  - type: Documentation
    url: https://www.zopa.com/open-banking-developer
- aid: zopa:zopa-statements-api
  name: zopa Statements API
  description: The Statements API from zopa — 1 operation(s) for statements.
  humanURL: https://www.zopa.com/open-banking-developer
  baseURL: https://developer.openbanking-sandbox.zopa.com/open-banking/v4.0/aisp
  tags:
  - Statements
  properties:
  - type: OpenAPI
    url: openapi/zopa-statements-api-openapi.yml
  - type: Documentation
    url: https://www.zopa.com/open-banking-developer
- aid: zopa:zopa-transactions-api
  name: zopa Transactions API
  description: The Transactions API from zopa — 1 operation(s) for transactions.
  humanURL: https://www.zopa.com/open-banking-developer
  baseURL: https://developer.openbanking-sandbox.zopa.com/open-banking/v4.0/aisp
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/zopa-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.zopa.com/open-banking-developer
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/zopa-agentic-access.yml
- type: OAuthScopes
  url: scopes/zopa-scopes.yml
- type: Authentication
  url: authentication/zopa-authentication.yml
- type: DomainSecurity
  url: security/zopa-domain-security.yml
- type: Website
  url: https://www.zopa.com/
- type: WellKnown
  url: well-known/zopa-well-known.yml
- type: SecurityTxt
  url: well-known/zopa-security.txt
- type: VulnerabilityDisclosure
  url: security/zopa-vulnerability-disclosure.yml
- type: Security
  url: https://www.zopa.com/.well-known/security.txt
- type: ErrorCatalog
  url: errors/zopa-problem-types.yml
- type: Conventions
  url: conventions/zopa-conventions.yml
- type: Idempotency
  url: conventions/zopa-conventions.yml
- type: Lifecycle
  url: lifecycle/zopa-lifecycle.yml
- type: Conformance
  url: conformance/zopa-conformance.yml
- type: Compliance
  url: https://www.zopa.com/open-banking-developer
- type: DataModel
  url: data-model/zopa-data-model.yml
- type: MCPServer
  url: mcp/zopa-mcp.yml
- type: LLMsTxt
  url: llms/zopa-llms.txt
- type: Sandbox
  url: sandbox/zopa-sandbox.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DeveloperPortal
  url: https://developer.openbanking-sandbox.zopa.com/perry/developer/welcome
- type: Documentation
  url: https://www.zopa.com/open-banking-developer
- type: Blog
  url: https://www.zopa.com/blog
- type: Support
  url: https://www.zopa.com/help
- type: Login
  url: https://home.zopa.com
- type: TermsOfService
  url: https://www.zopa.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.zopa.com/privacy-notice
- type: Careers
  url: https://careers.zopa.com/
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 22
  pass: local-v1