aid: cashplus url: https://raw.githubusercontent.com/api-evangelist/cashplus/refs/heads/main/apis.yml name: Cashplus Bank kind: company description: >- Cashplus Bank (legal entity Advanced Payment Solutions Limited, rebranded to Zempler Bank in July 2024) is a UK challenger bank founded in 2005 that grew from a prepaid-card issuer into a fully licensed bank, receiving its UK banking licence in 2021 and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). It focuses on business current accounts, personal current accounts, credit cards, and payments for micro-enterprises, sole traders, and small-to-medium businesses. Following a 2026 acquisition it operates as a subsidiary of The Access Bank UK (part of Nigeria's Access Bank plc). As an FCA-authorised ASPSP it participates in UK Open Banking under PSD2, publishing Read/Write APIs conformant to the Open Banking Implementation Entity (OBIE) standard - Account Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) - secured with FAPI-grade OAuth2/OIDC, mutual-TLS, PSD2 strong customer authentication, and OBIE/eIDAS certificates. Cashplus is not one of the CMA9 mandated banks. Alongside the regulated Open Banking surface it runs a first-party partner/developer platform documenting proprietary Identity, Accounts, Applications, Eligibility, Payments, Products, and Transactions APIs for embedded and commercial integrations. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Financial Services - Banking - Open Banking - PSD2 - OBIE - FAPI - United Kingdom - Payments - Account Information - Challenger Bank - Business Banking - Fintech created: '2026-07-23' modified: '2026-07-23' specificationVersion: '0.19' apis: - aid: cashplus:cashplus-account-information-api name: Cashplus Account Information API description: >- Open Banking Account Information Service Provider (AISP) API conformant to the OBIE Read/Write API Standard, exposing account access consents, account details, balances, transactions, standing orders, direct debits, beneficiaries, and statements. Secured with FAPI OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. The harvested OpenAPI is the shared OBIE standard the bank conforms to, not a bank-proprietary contract. humanURL: https://developer.zemplerbank.com/developer-guides/open-banking/identity baseURL: '' tags: - Account Information - AISP - Open Banking - PSD2 - OBIE properties: - type: OpenAPI url: openapi/cashplus-account-information-openapi.yml - type: Documentation url: https://developer.zemplerbank.com/developer-guides/open-banking/identity - type: APIReference url: https://www.zemplerbank.com/api/ - aid: cashplus:cashplus-payment-initiation-api name: Cashplus Payment Initiation API description: >- Open Banking Payment Initiation Service Provider (PISP) API conformant to the OBIE Read/Write API Standard, supporting domestic payments, domestic scheduled payments, and domestic standing orders with the customer approving each payment via PSD2 strong customer authentication over FAPI OAuth2/OIDC and mutual-TLS. The harvested OpenAPI is the shared OBIE standard the bank conforms to, not a bank-proprietary contract. humanURL: https://developer.zemplerbank.com/developer-guides/open-banking/identity baseURL: '' tags: - Payment Initiation - PISP - Open Banking - PSD2 - OBIE properties: - type: OpenAPI url: openapi/cashplus-payment-initiation-openapi.yml - type: Documentation url: https://developer.zemplerbank.com/developer-guides/open-banking/identity - type: APIReference url: https://www.zemplerbank.com/api/ - aid: cashplus:cashplus-confirmation-of-funds-api name: Cashplus Confirmation of Funds API description: >- Open Banking Card Based Payment Instrument Issuer (CBPII) Confirmation of Funds API conformant to the OBIE Read/Write API Standard, letting authorised providers establish a funds-confirmation consent and check whether sufficient funds are available on a customer account, secured with FAPI OAuth2/OIDC, PSD2 SCA, and mutual-TLS. The harvested OpenAPI is the shared OBIE standard the bank conforms to, not a bank-proprietary contract. humanURL: https://developer.zemplerbank.com/developer-guides/open-banking/identity baseURL: '' tags: - Confirmation of Funds - CBPII - Open Banking - PSD2 - OBIE properties: - type: OpenAPI url: openapi/cashplus-confirmation-of-funds-openapi.yml - type: Documentation url: https://developer.zemplerbank.com/developer-guides/open-banking/identity - type: APIReference url: https://www.zemplerbank.com/api/ - aid: cashplus:cashplus-identity-api name: Cashplus Identity API description: >- First-party partner API for authentication and registration against the Cashplus/Zempler developer platform, used to obtain credentials and tokens before calling the proprietary Accounts, Payments, Applications, Eligibility, Products, and Transactions APIs. Requires a direct commercial relationship with the bank. humanURL: https://developer.zemplerbank.com/developer-guides/api/identity baseURL: '' tags: - Identity - Authentication - Partner API properties: - type: Documentation url: https://developer.zemplerbank.com/developer-guides/api/identity - type: APIReference url: https://developer.zemplerbank.com/ - aid: cashplus:cashplus-accounts-api name: Cashplus Accounts API description: >- First-party partner API to retrieve real-time account details and current balance for Cashplus/Zempler business and personal current accounts, for reconciliation and financial analysis. Requires a direct commercial relationship with the bank. humanURL: https://developer.zemplerbank.com/developer-guides/api/accounts baseURL: '' tags: - Accounts - Balances - Partner API properties: - type: Documentation url: https://developer.zemplerbank.com/developer-guides/api/accounts - type: APIReference url: https://developer.zemplerbank.com/ - aid: cashplus:cashplus-applications-api name: Cashplus Applications API description: >- First-party partner API to create applications that open new Cashplus/Zempler current accounts programmatically, enabling embedded account onboarding within partner platforms. Requires a direct commercial relationship with the bank. humanURL: https://developer.zemplerbank.com/developer-guides/api/applications baseURL: '' tags: - Applications - Onboarding - Partner API properties: - type: Documentation url: https://developer.zemplerbank.com/developer-guides/api/applications - type: APIReference url: https://developer.zemplerbank.com/ - aid: cashplus:cashplus-eligibility-api name: Cashplus Eligibility API description: >- First-party partner API for running credit card eligibility checks against Cashplus/Zempler credit products. Requires a direct commercial relationship with the bank. humanURL: https://developer.zemplerbank.com/developer-guides/api/eligibility baseURL: '' tags: - Eligibility - Credit - Partner API properties: - type: Documentation url: https://developer.zemplerbank.com/developer-guides/api/eligibility - type: APIReference url: https://developer.zemplerbank.com/ - aid: cashplus:cashplus-payments-api name: Cashplus Payments API description: >- First-party partner API to initiate single and batch domestic GBP payments at low cost from Cashplus/Zempler accounts, marketed for partners as a lower-cost alternative to standard payment rails. Requires a direct commercial relationship with the bank. humanURL: https://developer.zemplerbank.com/developer-guides/api/payments baseURL: '' tags: - Payments - Batch Payments - Partner API properties: - type: Documentation url: https://developer.zemplerbank.com/developer-guides/api/payments - type: APIReference url: https://developer.zemplerbank.com/ - aid: cashplus:cashplus-products-api name: Cashplus Products API description: >- First-party partner API to query the catalogue of Cashplus/Zempler banking products. Requires a direct commercial relationship with the bank. humanURL: https://developer.zemplerbank.com/developer-guides/api/products baseURL: '' tags: - Products - Partner API properties: - type: Documentation url: https://developer.zemplerbank.com/developer-guides/api/products - type: APIReference url: https://developer.zemplerbank.com/ - aid: cashplus:cashplus-transactions-api name: Cashplus Transactions API description: >- First-party partner API to search and filter transactions on Cashplus/Zempler accounts, for reconciliation and reporting. Requires a direct commercial relationship with the bank. humanURL: https://developer.zemplerbank.com/developer-guides/api/transactions baseURL: '' tags: - Transactions - Partner API properties: - type: Documentation url: https://developer.zemplerbank.com/developer-guides/api/transactions - type: APIReference url: https://developer.zemplerbank.com/ common: - type: DomainSecurity url: security/cashplus-domain-security.yml - type: AgenticAccess url: agentic-access/cashplus-agentic-access.yml - type: OAuthScopes url: scopes/cashplus-scopes.yml - type: Authentication url: authentication/cashplus-authentication.yml - type: OpenAPI url: openapi/cashplus-account-information-openapi.yml - type: Website url: https://www.zemplerbank.com/ - type: DeveloperPortal url: https://developer.zemplerbank.com/ - type: Documentation url: https://www.zemplerbank.com/api-developer/ - type: OpenBanking url: https://www.zemplerbank.com/api/ - type: OpenBankingDirectory url: https://www.openbanking.org.uk/customers/regulated-providers/ - type: LinkedIn url: https://www.linkedin.com/company/zemplerbank - type: Blog url: https://www.zemplerbank.com/about/news/ - type: TermsOfService url: https://www.zemplerbank.com/terms-and-conditions/ - type: Legal url: https://www.zemplerbank.com/legal/ - type: PrivacyPolicy url: https://www.zemplerbank.com/policies/privacy-policy/ - type: Support url: https://www.zemplerbank.com/help/ - type: Contact url: https://www.zemplerbank.com/contact/ - type: StatusPage url: https://status.zemplerbank.com/ - type: Lifecycle url: lifecycle/cashplus-lifecycle.yml - type: Conventions url: conventions/cashplus-conventions.yml - type: Idempotency url: conventions/cashplus-conventions.yml - type: ErrorCatalog url: errors/cashplus-problem-types.yml - type: Conformance url: conformance/cashplus-conformance.yml - type: DataModel url: data-model/cashplus-data-model.yml - type: MCPServer url: mcp/cashplus-mcp.yml - type: ToolCrosswalk url: mcp/cashplus-tool-crosswalk.yml - type: LLMsTxt url: llms/cashplus-llms.txt - type: AgentSkill url: skills/_index.yml - type: Overlay url: overlays/cashplus-account-information-overlay.yaml - type: Overlay url: overlays/cashplus-payment-initiation-overlay.yaml - type: Overlay url: overlays/cashplus-confirmation-of-funds-overlay.yaml maintainers: - FN: Kin Lane email: kin@apievangelist.com