aid: co-operative-bank url: https://raw.githubusercontent.com/api-evangelist/co-operative-bank/refs/heads/main/apis.yml name: The Co-operative Bank kind: company description: >- The Co-operative Bank plc is a UK high-street retail and commercial bank, headquartered in Manchester and long known for its customer-led ethical banking policy. Following its 2013-2017 recapitalisation it was owned by institutional bondholders, and in January 2025 it completed its acquisition by Coventry Building Society, becoming part of the member-owned Coventry Building Society Group; it also operates the online-only "smile" brand. Authorised by the PRA and regulated by the FCA and PRA, it is an FCA-authorised ASPSP under PSD2 and the UK Open Banking regime. While it is not one of the nine CMA-mandated banks (CMA9), it implements the Open Banking Implementation Entity (OBIE) Read/Write API Standard (v3.1) and publishes a public developer portal at developer.co-operativebank.co.uk exposing Account Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII) APIs for both the Co-operative Bank and smile brands, secured with FAPI-grade OAuth2/OIDC, mutual-TLS client authentication using Open Banking directory certificates, and PSD2 strong customer authentication, with a manual TPP onboarding process and a sandbox for testing before production. accessModel: pricing: unknown onboarding: request trial: false try_now: false public: false label: TPP onboarding (manual) confidence: medium source: - authentication - documentation generated: '2026-07-23' method: derived image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Financial Services - Banking - Open Banking - PSD2 - OBIE - United Kingdom - Payments - Account Information - Confirmation of Funds - Fintech created: '2026-07-23' modified: '2026-07-23' specificationVersion: '0.19' apis: - aid: co-operative-bank:account-information-api name: The Co-operative Bank Account Information API (AIS) description: >- OBIE Read/Write Account & Transaction Information (AISP) API for The Co-operative Bank and smile brands — account-access consents, accounts, balances, transactions, direct debits, standing orders and scheduled payments. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA); requires TPP onboarding. humanURL: https://www.developer.co-operativebank.co.uk/apis/aisp/ baseURL: https://openbanking-retail.apis.co-operativebank.co.uk/apis/retail/open-banking/v3.1/aisp tags: - Account Information - AISP - Open Banking properties: - type: Documentation url: https://www.developer.co-operativebank.co.uk/apis/aisp/ - type: APIReference url: https://www.developer.co-operativebank.co.uk/apis/aisp/endpoints-and-errors/ - type: Documentation url: https://www.developer.co-operativebank.co.uk/apis/general-specifications/ - aid: co-operative-bank:payment-initiation-api name: The Co-operative Bank Payment Initiation API (PIS) description: >- OBIE Read/Write Payment Initiation (PISP) API for The Co-operative Bank and smile brands — domestic payments, domestic scheduled payments and domestic standing orders, with their associated consents. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA); requires TPP onboarding. humanURL: https://www.developer.co-operativebank.co.uk/apis/pisp/ baseURL: https://openbanking-retail.apis.co-operativebank.co.uk/apis/retail/open-banking/v3.1/pisp tags: - Payment Initiation - PISP - Payments - Open Banking properties: - type: Documentation url: https://www.developer.co-operativebank.co.uk/apis/pisp/ - type: APIReference url: https://www.developer.co-operativebank.co.uk/apis/pisp/endpoints-and-errors/ - type: Documentation url: https://www.developer.co-operativebank.co.uk/apis/general-specifications/ - aid: co-operative-bank:confirmation-of-funds-api name: The Co-operative Bank Confirmation of Funds API (CBPII) description: >- OBIE Read/Write Confirmation of Funds (CBPII / Card-Based Payment Instrument) API — funds-confirmation consent and funds-confirmation checks for The Co-operative Bank and smile brands. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA); requires TPP onboarding. humanURL: https://www.developer.co-operativebank.co.uk/apis/cbpii/ baseURL: https://openbanking-retail.apis.co-operativebank.co.uk/apis/retail/open-banking/v3.1/cbpii tags: - Confirmation of Funds - CBPII - Open Banking properties: - type: Documentation url: https://www.developer.co-operativebank.co.uk/apis/cbpii/ - type: APIReference url: https://www.developer.co-operativebank.co.uk/apis/cbpii/endpoints-and-errors/ - type: Documentation url: https://www.developer.co-operativebank.co.uk/apis/general-specifications/ - aid: co-operative-bank:open-data-api name: The Co-operative Bank Open Data API (OBIE standard) description: >- Public, unauthenticated OBIE Open Data reference data (ATMs, Branches, Personal & Business Current Accounts, Unsecured SME Loans, Commercial Credit Cards). Represented here against the shared OBIE Open Data API Standard — a live Co-operative Bank Open Data host was NOT confirmed during this bootstrap, so no bank-specific base URL is asserted. The attached OpenAPI is the OBIE shared standard, not a Co-operative Bank contract. humanURL: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/ baseURL: '' tags: - Open Data - ATM Locator - Branch Locator - Products properties: - type: OpenAPI url: openapi/obie-open-data-api-standard-swagger.json - type: Documentation url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/ - type: APIReference url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/atmlocator/atm-locator.html common: - type: VulnerabilityDisclosure url: security/co-operative-bank-vulnerability-disclosure.yml - type: DomainSecurity url: security/co-operative-bank-domain-security.yml - type: AgenticAccess url: agentic-access/co-operative-bank-agentic-access.yml - type: Website url: https://www.co-operativebank.co.uk/ - type: DeveloperPortal url: https://www.developer.co-operativebank.co.uk/ - type: Documentation url: https://www.developer.co-operativebank.co.uk/apis/ - type: GettingStarted url: https://www.developer.co-operativebank.co.uk/get-started/ - type: Authentication url: https://www.developer.co-operativebank.co.uk/apis/general-specifications/ - type: Sandbox url: https://www.developer.co-operativebank.co.uk/help-and-support/sandbox-environment/ - type: StatusPage url: https://www.developer.co-operativebank.co.uk/help-and-support/service-status/ - type: Support url: https://www.developer.co-operativebank.co.uk/help-and-support/frequently-asked-questions/ - type: PrivacyPolicy url: https://www.developer.co-operativebank.co.uk/help-and-support/privacy-cookie-policies/ - type: LinkedIn url: https://www.linkedin.com/company/the-co-operative-bank - type: SignUp url: https://www.developer.co-operativebank.co.uk/get-started/ - type: Authentication url: authentication/co-operative-bank-authentication.yml - type: OAuthScopes url: scopes/co-operative-bank-scopes.yml - type: Conventions url: conventions/co-operative-bank-conventions.yml - type: Idempotency url: conventions/co-operative-bank-conventions.yml - type: ErrorCatalog url: errors/co-operative-bank-problem-types.yml - type: Lifecycle url: lifecycle/co-operative-bank-lifecycle.yml - type: Conformance url: conformance/co-operative-bank-conformance.yml - type: Sandbox url: sandbox/co-operative-bank-sandbox.yml - type: WellKnown url: well-known/co-operative-bank-well-known.yml - type: SecurityTxt url: well-known/co-operative-bank-security.txt - type: Security url: https://www.co-operativebank.co.uk/help-and-support/fraud-and-security/responsible-security-disclosure/ - type: LLMsTxt url: llms/co-operative-bank-llms.txt - type: Overlay url: overlays/co-operative-bank-open-data-overlay.yaml maintainers: - FN: Kin Lane email: kin@apievangelist.com