aid: coutts
url: https://raw.githubusercontent.com/api-evangelist/coutts/refs/heads/main/apis.yml
name: Coutts
kind: company
description: Coutts & Co is a British private bank and wealth manager founded in 1692, headquartered in
  London and serving high-net-worth individuals, families, commercial and institutional clients. It is
  a wholly owned subsidiary of NatWest Group (formerly The Royal Bank of Scotland Group), one of the UK
  CMA9 banking groups mandated to deliver Open Banking. Coutts is authorised by the Prudential Regulation
  Authority and regulated by the Financial Conduct Authority and the PRA (FCA Firm Reference 001b000000MfEueAAF).
  As an Account Servicing Payment Service Provider (ASPSP) it participates in UK Open Banking under PSD2,
  exposing its account, payment and confirmation-of-funds surfaces through NatWest Group's "Bank of APIs"
  developer platform. Those Read/Write APIs conform to the Open Banking Implementation Entity (OBIE) Read/Write
  Standard and are secured with FAPI-grade OAuth2/OIDC, PSD2 strong customer authentication, and mutual-TLS
  client authentication using OBIE/eIDAS certificates. Coutts additionally publishes OBIE Open Data reference
  information for its commercial/business current accounts.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Private Bank
- Wealth Management
- Open Banking
- PSD2
- OBIE
- FAPI
- Payments
- Account Information
- United Kingdom
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: coutts:coutts-account-transaction-api
  name: Coutts Account and Transaction Information API
  description: OBIE Read/Write Account and Transaction Information (AIS) API for Coutts, letting FCA-authorised
    AISPs retrieve account, balance, transaction, party, standing order, direct debit, beneficiary, product
    and statement data with the customer's consent. Conforms to the OBIE Read/Write Standard and is secured
    with FAPI OAuth2/OIDC, mTLS and PSD2 strong customer authentication.
  humanURL: https://www.bankofapis.com/products/coutts-open-banking
  baseURL: https://api.coutts.com/open-banking/v3.1/aisp
  tags:
  - Account Information
  - AIS
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/coutts-account-info-openapi.yaml
  - type: Documentation
    url: https://www.bankofapis.com/products/coutts-open-banking
  - type: APIReference
    url: https://www.bankofapis.com/documentation
  - type: Overlay
    url: overlays/coutts-account-info-overlay.yaml
- aid: coutts:coutts-payment-initiation-api
  name: Coutts Payment Initiation API
  description: OBIE Read/Write Payment Initiation (PIS) API for Coutts, letting FCA-authorised PISPs initiate
    domestic, scheduled, standing-order, international and file payments on behalf of the account holder.
    Conforms to the OBIE Read/Write Standard and is secured with FAPI OAuth2/OIDC, mTLS and PSD2 strong
    customer authentication.
  humanURL: https://www.bankofapis.com/products/coutts-open-banking
  baseURL: https://api.coutts.com/open-banking/v3.1/pisp
  tags:
  - Payment Initiation
  - PIS
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/coutts-payment-initiation-openapi.yaml
  - type: Documentation
    url: https://www.bankofapis.com/products/coutts-open-banking
  - type: APIReference
    url: https://www.bankofapis.com/documentation
  - type: Overlay
    url: overlays/coutts-payment-initiation-overlay.yaml
- aid: coutts:coutts-confirmation-of-funds-api
  name: Coutts Confirmation of Funds API
  description: OBIE Read/Write Confirmation of Funds (CBPII) API for Coutts, letting authorised Card Based
    Payment Instrument Issuers check whether sufficient funds are available on an account before a transaction.
    Conforms to the OBIE Read/Write Standard and is secured with FAPI OAuth2/OIDC, mTLS and PSD2 strong
    customer authentication.
  humanURL: https://www.bankofapis.com/products/coutts-open-banking
  baseURL: https://api.coutts.com/open-banking/v3.1/cbpii
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/coutts-confirmation-funds-openapi.yaml
  - type: Documentation
    url: https://www.bankofapis.com/products/coutts-open-banking
  - type: APIReference
    url: https://www.bankofapis.com/documentation
  - type: Overlay
    url: overlays/coutts-confirmation-funds-overlay.yaml
- aid: coutts:coutts-open-data-api
  name: Coutts Open Data API
  description: OBIE Open Data API for Coutts publishing PUBLIC, unauthenticated reference data for its
    commercial/business current account products, following the Open Banking Open Data Standard. As a
    private bank Coutts operates no retail ATM or branch network, so it publishes product reference data
    rather than ATM/Branch locator data. Base path shown follows the OBIE Open Data path convention; the
    exact live open-data URL was not confirmed unauthenticated (the api.coutts.com gateway is mutual-TLS
    gated).
  humanURL: https://www.bankofapis.com/products/coutts-open-banking
  baseURL: https://api.coutts.com/open-banking/v2.3/business-current-accounts
  tags:
  - Open Data
  - Business Current Accounts
  - Open Banking
  properties:
  - type: Documentation
    url: https://www.bankofapis.com/products/coutts-open-banking
  - type: APIReference
    url: https://documenter.getpostman.com/view/35240/TVCiUmZV
common:
- type: VulnerabilityDisclosure
  url: security/coutts-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/coutts-domain-security.yml
- type: AgenticAccess
  url: agentic-access/coutts-agentic-access.yml
- type: OAuthScopes
  url: scopes/coutts-scopes.yml
- type: Authentication
  url: authentication/coutts-authentication.yml
- type: Website
  url: https://www.coutts.com/
- type: DeveloperPortal
  url: https://www.bankofapis.com/products/coutts-open-banking
- type: Documentation
  url: https://www.bankofapis.com/documentation
- type: Sandbox
  url: https://developer.coutts.useinfinite.io/
- type: GitHubOrganization
  url: https://github.com/bankofapis
- type: LinkedIn
  url: https://www.linkedin.com/company/coutts-and-co
- type: Blog
  url: https://www.coutts.com/insights.html
- type: Support
  url: https://www.coutts.com/help-centre.html
- type: StatusPage
  url: https://www.bankofapis.com/performance/service-interruptions
- type: TermsOfService
  url: https://www.coutts.com/important-information.html
- type: PrivacyPolicy
  url: https://www.coutts.com/privacy-and-cookie-policy.html
- type: WellKnown
  url: well-known/coutts-well-known.yml
- type: SecurityTxt
  url: well-known/coutts-security.txt
- type: Security
  url: https://www.coutts.com/.well-known/security.txt
- type: ErrorCatalog
  url: errors/coutts-problem-types.yml
- type: Conventions
  url: conventions/coutts-conventions.yml
- type: Idempotency
  url: conventions/coutts-conventions.yml
- type: Lifecycle
  url: lifecycle/coutts-lifecycle.yml
- type: Deprecation
  url: lifecycle/coutts-lifecycle.yml
- type: Conformance
  url: conformance/coutts-conformance.yml
- type: DataModel
  url: data-model/coutts-data-model.yml
- type: MCPServer
  url: mcp/coutts-mcp.yml
- type: LLMsTxt
  url: llms/coutts-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: GettingStarted
  url: https://www.bankofapis.com/get-started
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com