aid: bank-of-scotland url: https://raw.githubusercontent.com/api-evangelist/bank-of-scotland/refs/heads/main/apis.yml name: Bank of Scotland kind: company description: >- Bank of Scotland is a UK high-street retail and commercial bank, founded in 1695 and headquartered in Edinburgh, and is one of the oldest banks in the United Kingdom. It is a wholly owned subsidiary brand of Lloyds Banking Group (alongside Lloyds Bank and Halifax), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. As one of the nine mandated CMA9 account-providers, Bank of Scotland participates in the UK Open Banking regime under PSD2, publishing PUBLIC, unauthenticated Open Data reference APIs (ATMs, branches, personal and business current accounts, unsecured SME loans, and commercial credit cards) conformant to the Open Banking Implementation Entity (OBIE) Open Data Standard, plus the OBIE Read/Write API family - Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) - secured with FAPI-grade OAuth2/OIDC, mutual-TLS client authentication, and PSD2 strong customer authentication, accessed through the Lloyds Banking Group developer platform after eIDAS/OBIE certificate onboarding. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Financial Services - Banking - Open Banking - PSD2 - OBIE - CMA9 - United Kingdom - Payments - Account Information - Open Data created: '2026-07-23' modified: '2026-07-23' specificationVersion: '0.19' apis: - aid: bank-of-scotland:bank-of-scotland-open-data-api name: Bank of Scotland Open Data API description: >- PUBLIC, unauthenticated OBIE Open Data reference API for Bank of Scotland, exposing ATM locations, branch details, personal and business current account products, unsecured SME loans, and commercial credit card products. Confirmed live at https://api.bankofscotland.co.uk/open-banking/v2.2 (all six resource endpoints return HTTP 200 with Open-Licence JSON). humanURL: https://developer.lloydsbanking.com/open-data baseURL: https://api.bankofscotland.co.uk/open-banking/v2.2 tags: - Open Data - ATMs - Branches - Products properties: - type: OpenAPI url: openapi/obie-opendata-swagger.json - type: Overlay url: overlays/bank-of-scotland-opendata-overlay.yaml - type: MCPServer url: mcp/bank-of-scotland-mcp.yml - type: AgentSkill name: Find Bank of Scotland branches and ATMs url: skills/bank-of-scotland-find-branches-atms.md - type: Documentation url: https://developer.lloydsbanking.com/open-data - type: APIReference url: https://github.com/OpenBankingUK/opendata-api-spec-compiled - aid: bank-of-scotland:bank-of-scotland-account-information-api name: Bank of Scotland Account and Transaction Information API (AIS) description: >- OBIE Read/Write Account and Transaction Information (AIS) API - account details, balances, transactions, standing orders, direct debits, beneficiaries, statements, and products. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA); requires developer onboarding and eIDAS/OBIE certificates. Spec below is the shared OBIE Read/Write standard, not a bank-proprietary contract. humanURL: https://developer.lloydsbanking.com/ tags: - Account Information - AIS - Read/Write properties: - type: OpenAPI url: openapi/obie-account-info-openapi.yaml - type: Overlay url: overlays/bank-of-scotland-account-info-overlay.yaml - type: AgentSkill name: Read Bank of Scotland account transactions (AIS) url: skills/bank-of-scotland-read-account-transactions.md - type: Documentation url: https://developer.lloydsbanking.com/ - type: APIReference url: https://github.com/OpenBankingUK/read-write-api-specs - aid: bank-of-scotland:bank-of-scotland-payment-initiation-api name: Bank of Scotland Payment Initiation API (PIS) description: >- OBIE Read/Write Payment Initiation (PIS) API - domestic, scheduled, standing order, international, and file payment consents and orders. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA); requires developer onboarding and eIDAS/OBIE certificates. Spec below is the shared OBIE Read/Write standard, not a bank-proprietary contract. humanURL: https://developer.lloydsbanking.com/ tags: - Payment Initiation - PIS - Read/Write properties: - type: OpenAPI url: openapi/obie-payment-initiation-openapi.yaml - type: Overlay url: overlays/bank-of-scotland-payment-initiation-overlay.yaml - type: AgentSkill name: Initiate a Bank of Scotland domestic payment (PIS) url: skills/bank-of-scotland-initiate-domestic-payment.md - type: Documentation url: https://developer.lloydsbanking.com/ - type: APIReference url: https://github.com/OpenBankingUK/read-write-api-specs - aid: bank-of-scotland:bank-of-scotland-confirmation-of-funds-api name: Bank of Scotland Confirmation of Funds API (CBPII) description: >- OBIE Read/Write Confirmation of Funds (CBPII) API - card-based payment instrument issuers confirm whether funds are available on an account. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA); requires developer onboarding and eIDAS/OBIE certificates. Spec below is the shared OBIE Read/Write standard, not a bank-proprietary contract. humanURL: https://developer.lloydsbanking.com/ tags: - Confirmation of Funds - CBPII - Read/Write properties: - type: OpenAPI url: openapi/obie-confirmation-funds-openapi.yaml - type: Overlay url: overlays/bank-of-scotland-confirmation-funds-overlay.yaml - type: Documentation url: https://developer.lloydsbanking.com/ - type: APIReference url: https://github.com/OpenBankingUK/read-write-api-specs common: - type: DomainSecurity url: security/bank-of-scotland-domain-security.yml - type: Authentication url: authentication/bank-of-scotland-authentication.yml - type: OAuthScopes url: scopes/bank-of-scotland-scopes.yml - type: Conventions url: conventions/bank-of-scotland-conventions.yml - type: Idempotency url: conventions/bank-of-scotland-conventions.yml - type: ErrorCatalog url: errors/bank-of-scotland-problem-types.yml - type: Conformance url: conformance/bank-of-scotland-conformance.yml - type: Lifecycle url: lifecycle/bank-of-scotland-lifecycle.yml - type: DataModel url: data-model/bank-of-scotland-data-model.yml - type: Sandbox url: sandbox/bank-of-scotland-sandbox.yml - type: LLMsTxt url: llms/bank-of-scotland-llms.txt - type: AgentSkill url: skills/_index.yml - type: Website url: https://www.bankofscotland.co.uk/ - type: DeveloperPortal url: https://developer.lloydsbanking.com/ - type: Documentation url: https://www.bankofscotland.co.uk/aboutonline/security-and-privacy/open-banking-apis.html - type: LinkedIn url: https://www.linkedin.com/company/bank-of-scotland - type: TermsOfService url: https://www.bankofscotland.co.uk/legal.html - type: PrivacyPolicy url: https://www.bankofscotland.co.uk/legal/privacy.html maintainers: - FN: Kin Lane email: kin@apievangelist.com