generated: '2026-07-23'
method: searched
source: https://developer.aibgb.co.uk/apis
note: >-
  AIB Group (UK) implements the UK Open Banking (OBIE) security profile. The
  public Open Data API (v2.2) is unauthenticated. The Read/Write family
  (Account Information, Payment Initiation, Confirmation of Funds, Variable
  Recurring Payments, Event Notifications) is FAPI-secured under OAuth2/OIDC
  with PSD2 strong customer authentication (SCA). TPPs onboard via OBIE Dynamic
  Client Registration (DCR v3.2) using OBIE/eIDAS certificates. Access tokens
  are obtained via authorization_code (customer-present, AIS/PIS consent) and
  client_credentials (client-present setup) grants. The live OpenAPI spec
  captured in this repo is the unauthenticated Open Data API and declares no
  securitySchemes; the auth model below is captured from the developer portal
  and OBIE standard, not derived from that spec.
summary:
  types: [oauth2, openIdConnect, mutualTLS]
  api_key_in: []
  oauth2_flows: [authorizationCode, clientCredentials]
  strong_customer_authentication: true
  standard: FAPI 1.0 Advanced (Financial-grade API) / OBIE Security Profile
schemes:
  - name: OpenData
    type: none
    description: >-
      Public, unauthenticated Open Data API (v2.2). No credentials required;
      product reference data served over TLS.
    applies_to: [aib-group-uk-open-data-api]
  - name: OpenBankingOAuth2
    type: oauth2
    description: >-
      OBIE FAPI-secured OAuth2 with OIDC. authorization_code (with PKCE / PAR /
      request object, JARM) for customer consent flows (AIS, PIS, CBPII, VRP);
      client_credentials for consent set-up. Access is granted through
      developer-portal onboarding and sandbox before production.
    flows:
      - flow: authorizationCode
        description: Customer-present consent authorization (AIS/PIS/VRP/CBPII).
      - flow: clientCredentials
        description: Client-present consent set-up and event subscription.
    applies_to:
      - aib-group-uk-account-information-api
      - aib-group-uk-payment-initiation-api
      - aib-group-uk-confirmation-of-funds-api
      - aib-group-uk-variable-recurring-payments-api
      - aib-group-uk-credit-cards-information-api
      - aib-group-uk-event-notification-subscription-api
      - aib-group-uk-aggregated-event-polling-api
  - name: OpenIDConnect
    type: openIdConnect
    description: >-
      OpenID Connect identity layer over OAuth2 for the Read/Write APIs; id_token
      carries the consent and SCA assurance.
  - name: MutualTLS
    type: mutualTLS
    description: >-
      Mutual TLS with OBIE/eIDAS (QWAC/QSEAL) transport and signing certificates;
      required for Dynamic Client Registration (DCR v3.2) and token endpoints.
    applies_to: [aib-group-uk-dynamic-client-registration-api]
onboarding:
  model: self-serve developer portal + DCR
  portal: https://developer.aibgb.co.uk/
  dynamic_client_registration: https://developer.aibgb.co.uk/dynamic-client-registration-api-v3-2-gb/apis
  certificates: OBIE / eIDAS (QWAC, QSEAL)
  sandbox: true