Metro Bank Authentication

generated: '2026-07-23'
method: searched
source: >-
  OBIE Read/Write API Security Profile (FAPI) + Metro Bank developer portal
  (https://developer.metrobankonline.co.uk/Overview); Open Data API is
  unauthenticated per the OBIE Open Data standard.
docs: https://developer.metrobankonline.co.uk/Overview
summary:
  types: [oauth2, openIdConnect, mutualTLS]
  api_key_in: []
  oauth2_flows: [authorizationCode, clientCredentials]
  notes: >-
    Two distinct auth postures. The OBIE Open Data reference API
    (ATMs, branches, product data) is public and unauthenticated. The OBIE
    Read/Write APIs (AIS, PIS, CBPII) are FAPI-secured and cannot be exercised
    anonymously - the production host api.metrobankonline.co.uk enforces mutual
    TLS (an unauthenticated request returns HTTP 400 "No required SSL
    certificate was sent").
schemes:
  - name: OpenData
    type: none
    scheme: public
    applies_to: [metro-bank:metro-bank-open-data-api]
    sources: [openapi/obie-open-data-api-standard-v1.3-swagger.json]
    note: >-
      OBIE Open Data API standard defines no security scheme; access is public
      and read-only over HTTPS.
  - name: OBIE-FAPI-OAuth2
    type: oauth2
    applies_to:
      - metro-bank:metro-bank-account-information-api
      - metro-bank:metro-bank-payment-initiation-api
      - metro-bank:metro-bank-confirmation-of-funds-api
    flows:
      - flow: authorizationCode
        note: >-
          Customer-present consent (PSD2 SCA) for AIS/PIS/CBPII resource access;
          OIDC hybrid flow with a signed request object (JWS), FAPI-compliant.
      - flow: clientCredentials
        note: >-
          Used to create the account-access / payment / funds-confirmation
          consent resource before the customer authorisation redirect.
    fapi: true
    sca: PSD2 strong customer authentication
    sources: [OBIE Read/Write API Security Profile]
  - name: OpenIDConnect
    type: openIdConnect
    applies_to:
      - metro-bank:metro-bank-account-information-api
      - metro-bank:metro-bank-payment-initiation-api
      - metro-bank:metro-bank-confirmation-of-funds-api
    note: >-
      OIDC provider issues id_token; discovery document is served from the
      ASPSP well-known endpoint (mTLS/edge-gated - not anonymously retrievable).
  - name: MutualTLS
    type: mutualTLS
    applies_to:
      - metro-bank:metro-bank-account-information-api
      - metro-bank:metro-bank-payment-initiation-api
      - metro-bank:metro-bank-confirmation-of-funds-api
    note: >-
      Mandatory client-certificate transport security using eIDAS / OBIE
      (OBWAC / OBSEAL) certificates; also used for tls_client_auth token
      endpoint authentication. Confirmed live (HTTP 400 without a client cert).
client_registration:
  method: dynamic
  standard: OBIE Dynamic Client Registration (DCR) with eIDAS/OBIE certificates
  onboarding: >-
    TPPs must onboard via the developer portal and present valid OB certificates;
    unregistered/anonymous access is not possible.