emerging ↓ -7.2

PSD2

Score 22.5 / 100 80 providers +11 via APIs 44 APIs Search apis.io →

Providers using this tag (80)

Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.

Exemplar 4 Complete, well-documented, and agent-ready
Wealth ReaderBank AggregationOpen BankingFinancial Data2 APIs67.8KlarnaFintechBuy Now Pay LaterPaymentsCards6 APIs73.6Token.ioPaymentsOpen BankingBankingFinancial Services4 APIs71.6Memo BankCompanyFintech InsurtechBankingBusiness Banking3 APIs68.8
Strong 7 Solid coverage with minor gaps
TinkOpen BankingPayment InitiationAccount Aggregation9 APIs65.3GenomeFinancePaymentsBankingOpen Banking1 API63.9iBanFirstCompanyFintech InsurtechCross-Border PaymentsForeign Exchange1 API63.8Groupe BPCECompanyBankingFinancial ServicesOpen Banking10 APIs62.5RiskifiedFraud PreventionChargebacksE-CommercePayments10 APIs61.6BancomatATMBankingFinancial ServicesItaly4 APIs58.0BarclaysBankingCredit CardsFAPIFinance52 APIs57.9
Developing 23 Usable, with meaningful gaps to close
FintectureOpen BankingPaymentsFrance5 APIs50.1KontomatikOpen BankingAISBank Data Aggregation4 APIs45.6Enable BankingOpen BankingAISPPISP1 API39.9The Bank of LondonCompanyBankingClearing BankPayments1 API51.8Allica BankFinancial ServicesBankingOpen Banking2 APIs50.1first directFinancial ServicesBankingOpen Banking4 APIs49.0Deutsche BankBankingFinanceWealth ManagementOpen Banking34 APIs48.2Weatherbys BankFinancial ServicesBankingOpen Banking4 APIs47.3Starling BankFinancial ServicesBankingOpen Banking1 API46.3LemonwayPaymentsMarketplaceIBANKYC3 APIs46.2Virgin Money UKFinancial ServicesBankingOpen Banking1 API45.4NopanPaymentsPayment Service ProviderAccount-to-AccountWallet Payments1 API44.9Yorkshire Building SocietyFinancial ServicesBankingBuilding SocietyOpen Banking4 APIs44.8HolviCompanyBankingFintechPayments1 API43.6TrueLayerData APIFinancial ServicesOpen BankingPayments1 API43.1Danske Bank (UK)Financial ServicesBankingOpen Banking12 APIs42.4YapilyOpen BankingAISPPISPPayments5 APIs42.1Connexis CashAccount InformationBNP ParibasCash ManagementCorporate Banking2 APIs41.9C. Hoare & Co.Financial ServicesBankingPrivate BankOpen Banking3 APIs41.6Triodos Bank UKFinancial ServicesBankingOpen Banking2 APIs41.2AIB Group (UK)Financial ServicesBankingOpen Banking1 API40.6Nationwide Building SocietyFinancial ServicesBankingBuilding SocietyOpen Banking3 APIs40.6TietoEVRYCompanyBankingOpen Banking24 APIs39.5
Thin 34 Limited public surface area
InvestecFinancial ServicesBankingOpen Banking3 APIs39.2Coventry Building SocietyFinancial ServicesBankingBuilding SocietyOpen Banking4 APIs38.3Vanquis Banking GroupFinancial ServicesBankingOpen Banking3 APIs38.2Hampden & CoFinancial ServicesBankingPrivate BankingOpen Banking3 APIs38.1Cashplus BankFinancial ServicesBankingOpen Banking4 APIs38.0KrooFinancial ServicesBankingOpen Banking3 APIs37.5MettleFinancial ServicesBankingBusiness BankingOpen Banking1 API37.5Chase UKFinancial ServicesBankingOpen Banking3 APIs37.4HalifaxFinancial ServicesBankingOpen Banking1 API37.4Bank of Ireland (UK)Financial ServicesBankingOpen Banking4 APIs37.1TSB BankFinancial ServicesBankingOpen Banking2 APIs36.7Monument BankFinancial ServicesBankingOpen Banking4 APIs36.6Lloyds Banking GroupFinancial ServicesBankingOpen Banking5 APIs36.2Secure Trust BankFinancial ServicesBankingOpen Banking4 APIs36.2Handelsbanken UKBankingOpen BankingFinancial Services7 APIs36.1Tandem BankFinancial ServicesBankingOpen Banking3 APIs36.1KonsentusOpen BankingOpen FinancePSD31 API35.7Skipton Building SocietyFinancial ServicesBankingBuilding SocietyOpen Banking1 API35.7Metro BankFinancial ServicesBankingOpen Banking1 API35.6Recognise BankFinancial ServicesBankingOpen Banking4 APIs35.5Santander UKFinancial ServicesBankingOpen Banking4 APIs35.3CouttsFinancial ServicesBankingPrivate BankWealth Management3 APIs35.1zopaCompanyBankingFintechOpen Banking2 APIs35.1Principality Building SocietyFinancial ServicesBankingBuilding SocietySavings1 API34.6UK Open BankingOpen BankingFinancial ServicesPaymentsAccount Information7 APIs34.1InsurelyCompanyOpen FinanceInsuranceFintech1 API33.9GB BankFinancial ServicesBankingOpen Banking4 APIs33.4Cynergy BankFinancial ServicesBankingOpen Banking3 APIs32.8Paragon BankFinancial ServicesBankingSavingsMortgage4 APIs31.9Leeds Building SocietyFinancial ServicesBankingBuilding SocietyMutual1 API31.4Bank of ScotlandFinancial ServicesBankingOpen Banking4 APIs31.0Shawbrook BankFinancial ServicesBankingSavingsSpecialist Lending4 APIs30.5BBVABankingFinancial ServicesOpen Banking4 APIs29.0NatWest GroupBankingOpen BankingFinancial ServicesPayments3 APIs28.6
Emerging 6 Early or largely undocumented
ABN AMROFinanceBanksEuropean BankingOpen Banking3 APIs20.0Klarna KosmaOpen BankingAISPI6 APIs26.0Salt EdgeFintechOpen BankingAggregator1 API25.3ComplyBridgeCompanyComplianceRegTechFinancial Services15.7Redwood BankFinancial ServicesBankingBusiness BankingSmall Business1 API15.1ANNA MoneyFinancial ServicesBankingFintechBusiness Account14.8
Minimal 6 Almost no public developer surface
Kevin.CompanyPaymentsOpen BankingAccount-to-Account1 API0.0GoinCompanyFintechPersonal FinanceSavings8.6HSBCFinanceBanksGlobal BankingOpen Banking1 API8.2RabobankFinanceBanksBankingOpen Banking5 APIs7.0INGFinanceBanksEuropean BankingOpen Banking1 API6.1OrdoPaymentsUnited KingdomOpen BankingAccount-to-Account6 APIs0.0

APIs with this tag (44)

Ranked by the provider's API Evangelist rating — the Kin Score is scored per provider, not per API, so every API of a provider shares its band. How the rating works →

Strong 6 Solid coverage with minor gaps
Genome PSD2 APIBerlin Group NextGenPSD2 dedicated interface. Account Information Services, Payment Initiation Services for...63.9iBanFirst PSD2 XS2A APIPSD2 access-to-account API for registered third-party providers, covering account information services (AIS...63.8Riskified Adaptive Checkout APIRecommend the optimal authentication path at checkout — friction-free, CVV, 3DS, or PSD2 exemption — to max...61.6Mastercard Open Banking SolutionsMastercard Open Banking in Europe provides a set of APIs that enables both licensed and unlicensed Third Pa...57.3Axway Open BankingAxway Open Banking provides prebuilt APIs for regulatory compliance and ecosystem engagement, supporting PS...54.6Northmill Bank Open Banking API for TPPsNorthmill Bank's PSD2 third-party-provider interface, covering Account Information Services (AIS) and Confi...54.3
Developing 6 Usable, with meaningful gaps to close
Bank of London PSD2 / Open Banking UK APIThe dedicated PSD2 Third Party Provider (TPP) interface for The Bank of London, implementing the UK Open Ba...51.8Worldline Open Banking APIConnectivity to more than 3,500 European banks in 21 countries supporting PSD2 open banking. Provides payme...47.6Ivy API (Open Banking)The 2023-01-01 Ivy API for Open Banking pay-ins and Manual Bank Transfer. Checkout sessions, orders, custom...46.0Yapily Consents and Authorisations APICreate, retrieve, revoke, and re-authorise PSD2 consents for AIS and PIS interactions across UK Open Bankin...42.1Yapily Payments API (PIS)Payment Initiation Service Provider (PISP) endpoints for initiating single, scheduled, periodic, bulk, and ...42.1Connexis Cash Strong Customer Authentication (SCA)A documented Strong Customer Authentication flow that BNP Paribas provides for Connexis Cash to satisfy PSD...41.9
Thin 14 Limited public surface area
Handelsbanken UK PSD2 Account Information APIThe Great Britain market Account Information Service (AIS) API - retrieve account details, balances, and tr...36.1Handelsbanken UK PSD2 Card Account Information APIThe Great Britain market Card Account Information (AIS) API - retrieve card account details, balances, and ...36.1Handelsbanken UK PSD2 Confirmation of Funds APIThe Great Britain market Confirmation of Funds (CBPII / PIISP) API - check whether a specified amount is av...36.1Handelsbanken UK PSD2 Payment Initiation APIThe Great Britain market Payment Initiation Service (PIS) API - initiate and manage payments from consentin...36.1Handelsbanken UK PSD2 Third-Parties APITPP enrolment API - register as a third-party provider and attach a PSD2 eIDAS (QWAC) or UK Open Banking (O...36.1Konsentus Certificate Chain Service APIManaged service that maintains the up-to-date eIDAS certificate trust chain required to secure PSD2 Open Ba...35.7Verifone 3D Secure APISCA-compliant cardholder authentication with frictionless and challenge flows. The 3D Secure API provides S...35.1Western Union Open Banking APIWestern Union's PSD2-compliant Open Banking API enables Payment Service Providers to access account informa...34.9OBIE Account & Transaction Information API (AIS - Standard, Out of Scope)The OBIE Read/Write Account and Transaction Information (AISP) standard for reading account, balance and tr...34.6OBIE Confirmation of Funds API (CBPII - Standard, Out of Scope)The OBIE Read/Write Confirmation of Funds (CBPII) standard for confirming whether funds are available on a ...34.6OBIE Payment Initiation API (PIS - Standard, Out of Scope)The OBIE Read/Write Payment Initiation (PISP) standard for initiating domestic, scheduled, standing-order, ...34.6Insurely Open Finance APICreate end users, capture consent, run data collections (including PSD2 banking data), and retrieve structu...33.9BBVA Accounts PSD2 APIPSD2-compliant account information service (AIS) API for Spain. Allows authorized third parties to access c...29.0BBVA Payments PSD2 APIPSD2-compliant payment initiation service (PIS) API for Spain. Allows authorized third parties to initiate ...29.0
Emerging 11 Early or largely undocumented
Klarna Kosma Auth APIThe Auth API is the client-session companion to the XS2A API. Whenever the Open Banking flow requires consu...26.0Klarna Kosma Consent APIThe Consent API exposes the PSD2 consent lifecycle so TPPs can list, inspect, refresh, and revoke the conse...26.0Klarna Kosma Payments APIKosma Payments is the white-labeled PSD2 Payment Initiation Service (PIS) product. It lets merchants and pl...26.0Klarna Kosma XS2A APIThe XS2A API is the server-side endpoint set used by TPPs and merchants to create and control Open Banking ...26.0Salt Edge Account Information APIREST API for retrieving end-user accounts, transactions, balances, and identity across 5,000+ banks worldwide.25.3Salt Edge Payment Initiation APIInitiate single, recurring, and bulk SEPA / domestic payments via PSD2 PISP.25.3Payoneer PSD2 APIPSD2-compliant banking APIs for European financial services integration, available via the Payoneer PSD2 de...21.8Payment Initiation (PSD2) APIPSD2-compliant Payment Initiation Service (PIS) API allowing licensed Third Party Providers (TPPs) to initi...20.0American Express Account and Transaction APIThe American Express Account and Transaction API is an open-banking service that enables regulated third-pa...18.9American Express Confirmation of Funds PSD2 APIThe American Express Confirmation of Funds PSD2 API is a secure and efficient service that enables regulate...18.9UBS PSD2 APIUBS's EU PSD2-compliant open banking API set covering Account Information Services (AIS), Payment Initiatio...11.3
Minimal 7 Almost no public developer surface
BNP Paribas Open Banking APIBNP Paribas Open Banking APIs provide PSD2-compliant payment services and account information access includ...10.6HSBC Developer Portal APIsThe HSBC Developer Portal exposes a catalogue of APIs covering Open Banking (UK/EU PSD2 Account Information...8.2Rabobank Account Information API (PSD2 AIS)PSD2-compliant Account Information Service. Returns account lists, balances, and transaction history for Ra...7.0Rabobank Funds Confirmation API (PSD2 PIIS / CBPII)PSD2-compliant Funds Confirmation Service. Card-issuer payment service providers (CBPIIs) can confirm wheth...7.0Rabobank Payment Initiation API (PSD2 PIS)PSD2-compliant Payment Initiation Service. Allows licensed PISPs to initiate SEPA Credit Transfers, SEPA In...7.0ING Developer Portal APIsThe ING Developer Portal provides a marketplace of APIs covering Open Banking (PSD2 Account Information and...6.1kevin. platform APIPSD2 open-banking platform API: Authentication, General, Payment Initiation (PIS) and Account Information (...0.0

Companies reaching this through an API (11)

These companies publish an API, specification or operation carrying “PSD2” but do not classify their business under it. Listed unranked and kept out of the count above, because one tagged operation is not a statement about what a company does.

American Express Augustus Axway BNP Paribas Mastercard Northmill Payoneer The Western Union Company UBS Verifone Worldline

Score breakdown

Frequency
55.9
log-scaled weighted occurrences
Breadth
1.8
spread across providers
Quality lift
40.4
mean composite of providers using it
Cohesion
0.0
strength of nearest seed neighbor

Where this tag sits

Open Banking broader OBIE 38 providers Strong Customer Authentication 2 providers

Related tags

Account Information 59 co-occurrences OBIE 38 co-occurrences Payment Initiation 33 co-occurrences

Where this tag comes from

Provider tag82
Api tag44

Markets provisional

Kin Score markets whose measured providers carry this tag. Share is the fraction of the market's measured providers that carry it — it describes the market, not this tag.

MarketShare of the market's providers
EU/EEA Payment and E-Money Institutions (PSD2 passports)43%
Spanish CNMV and Banco de Espana Registers (investment firms, fund managers, crowdfunding, payment institutions)43%
Open Banking33%
Hong Kong SFC and HKMA Licensed Firms31%
Nordic Financial Registers (Swedish and Norwegian licence registers)23%

Cohort brief

Auto-generated

The 80 providers in the APIs.io catalog tagged PSD2, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
80
all scored
Mean Kin Score
38.5
+16.3 vs catalog 22.2
Mean Agent Readiness
29.4
+17.4 vs catalog 12
Spread
0–73.6
median 37.5 · σ 15.4
How the 80 split by band
Exemplar 4Strong 7Developing 23Thin 34Emerging 6Minimal 6
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Contract Quality 42.7 17.2 +25.5 80
Developer Ergonomics 44.4 23.2 +21.2 80
Discoverability 69.6 57.9 +11.7 80
Access Clarity 32.3 23.9 +8.4 80
Contract Governance 13.1 6.5 +6.6 80
Operational Transparency 18.6 13 +5.6 80

A facet is averaged over the members that carry it, not over the whole cohort — the “Scored” column is that count. Averaging an absent facet as zero would score our own coverage gaps as the providers’ posture.

What this cohort publishes
ArtifactThis cohortCatalogDifference
MCP server (any) 8% 13% -5
MCP server (first-party) 6% 12% -6
Agent Skills 0% 0% 0
OAuth scopes 57% 11% +46
Security 100% 98% +2
Arazzo workflows 4% 2% +2
Governance rules 24% 16% +8

mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.

Top by Kin Score
  1. 1 Klarna 73.6
  2. 2 Token.io 71.6
  3. 3 Memo Bank 68.8
  4. 4 Wealth Reader 67.8
  5. 5 Tink 65.3
  6. 6 Genome 63.9
  7. 7 iBanFirst 63.8
  8. 8 Groupe BPCE 62.5
  9. 9 Riskified 61.6
  10. 10 Bancomat 58
Top by Agent Readiness
  1. 1 Memo Bank 62.3
  2. 2 iBanFirst 55.5
  3. 3 Token.io 51.7
  4. 4 Deutsche Bank 48.4
  5. 5 Riskified 47.1
  6. 6 Allica Bank 47
  7. 7 Klarna 46
  8. 8 Barclays 45.7
  9. 9 Yorkshire Building Society 43.1
  10. 10 Bank of Ireland (UK) 42.7
All 80 members of this roster resolve to a scored provider in the catalog.
Coverage caveat. 62 of 80 scored members had under half their catalog-attributable points satisfied at all (catalog_earned / catalog_max < 0.5). They are INCLUDED in the mean above. A large share here means the cohort mean is partly a measurement of how far our enrichment reached, not only of how these providers publish.Generated from the catalog build of 24 October 2026, across 31984 providers, using the same computation served by the APIs.io cohort API. Briefs are published for rosters of 5 or more scored providers; below that a distribution is not meaningful.

Work with this as data

Every tag here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for tags

7 MCP tools reach this
  • find_tagsBrowse and filter every tag in the catalog.
  • get_cohortThis tag as a scored cohort — every provider carrying it, with scores.
  • cohort_statsPRO — the distribution across this tag: mean, median, band split, adoption rates.
  • cohort_rankingsPRO — the leaderboard, on composite AND agent-readiness axes.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

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The distribution (Pro) 
curl "https://apis.io/api/v1/cohorts/tag/psd2/stats" \
  -H "X-API-Key: $APIS_IO_KEY"

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