aid: cynergy-bank url: https://raw.githubusercontent.com/api-evangelist/cynergy-bank/refs/heads/main/apis.yml name: Cynergy Bank kind: company description: >- Cynergy Bank is an FCA- and PRA-authorised UK specialist bank (FCA reference 575105) serving the blended personal and business banking needs of business owners, property entrepreneurs, and family businesses. It was formed in December 2018 when Cynergy Capital acquired Bank of Cyprus UK for approximately £103m and rebranded the business as Cynergy Bank. Although it is not one of the nine CMA-mandated banks (CMA9), as a UK ASPSP it complies with PSD2 and the UK Open Banking Standard, publishing a dedicated third-party interface for the Open Banking Implementation Entity (OBIE) Read/Write APIs — Account & Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII). Access is restricted to FCA- or EEA-regulated Third Party Providers and is secured with FAPI-grade OAuth2/OIDC, mutual-TLS client authentication, and PSD2 strong customer authentication using OBIE/eIDAS certificates, onboarded through the bank's Open Banking developer portal. 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 - Specialist Lender created: '2026-07-23' modified: '2026-07-24' specificationVersion: '0.19' apis: - aid: cynergy-bank:cynergy-bank-account-information-api name: Cynergy Bank Account & Transaction Information API (AIS) description: >- Cynergy Bank's implementation of the OBIE Read/Write Account & Transaction Information (AISP) API, allowing FCA/EEA-regulated Account Information Service Providers to retrieve customer account, balance, transaction, and product data with customer consent. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA). The harvested OpenAPI is the shared OBIE Read/Write standard the interface conforms to, not a Cynergy-proprietary contract. humanURL: https://developer.openbanking.cynergybank.co.uk/ tags: - Account Information - AISP - Open Banking properties: - type: OpenAPI url: openapi/cynergy-bank-account-information-obie-standard-openapi.yaml - type: Overlay url: overlays/cynergy-bank-account-information-overlay.yaml - type: Documentation url: https://developer.openbanking.cynergybank.co.uk/ - type: Documentation url: https://www.cynergybank.co.uk/support/open-banking - type: APIReference url: https://developer.openbanking.cynergybank.co.uk/ - aid: cynergy-bank:cynergy-bank-payment-initiation-api name: Cynergy Bank Payment Initiation API (PIS) description: >- Cynergy Bank's implementation of the OBIE Read/Write Payment Initiation (PISP) API, allowing FCA/EEA-regulated Payment Initiation Service Providers to initiate domestic and scheduled payments on behalf of customers with their consent. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA). The harvested OpenAPI is the shared OBIE Read/Write standard the interface conforms to, not a Cynergy-proprietary contract. humanURL: https://developer.openbanking.cynergybank.co.uk/ tags: - Payment Initiation - PISP - Open Banking properties: - type: OpenAPI url: openapi/cynergy-bank-payment-initiation-obie-standard-openapi.yaml - type: Overlay url: overlays/cynergy-bank-payment-initiation-overlay.yaml - type: Documentation url: https://developer.openbanking.cynergybank.co.uk/ - type: Documentation url: https://www.cynergybank.co.uk/support/open-banking - type: APIReference url: https://developer.openbanking.cynergybank.co.uk/ - aid: cynergy-bank:cynergy-bank-confirmation-of-funds-api name: Cynergy Bank Confirmation of Funds API (CBPII) description: >- Cynergy Bank's implementation of the OBIE Read/Write Confirmation of Funds (CBPII) API, allowing regulated Card Based Payment Instrument Issuers to confirm whether sufficient funds are available on a customer account with the customer's consent. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA). The harvested OpenAPI is the shared OBIE Read/Write standard the interface conforms to, not a Cynergy-proprietary contract. humanURL: https://developer.openbanking.cynergybank.co.uk/ tags: - Confirmation of Funds - CBPII - Open Banking properties: - type: OpenAPI url: openapi/cynergy-bank-confirmation-of-funds-obie-standard-openapi.yaml - type: Overlay url: overlays/cynergy-bank-confirmation-of-funds-overlay.yaml - type: Documentation url: https://developer.openbanking.cynergybank.co.uk/ - type: Documentation url: https://www.cynergybank.co.uk/support/open-banking - type: APIReference url: https://developer.openbanking.cynergybank.co.uk/ common: - type: AgenticAccess url: agentic-access/cynergy-bank-agentic-access.yml - type: Conventions url: conventions/cynergy-bank-conventions.yml - type: Idempotency url: conventions/cynergy-bank-conventions.yml - type: ErrorCatalog url: errors/cynergy-bank-problem-types.yml - type: Conformance url: conformance/cynergy-bank-conformance.yml - type: Lifecycle url: lifecycle/cynergy-bank-lifecycle.yml - type: DataModel url: data-model/cynergy-bank-data-model.yml - type: LLMsTxt url: llms/cynergy-bank-llms.txt - type: AgentSkill url: skills/_index.yml - type: MCPServer url: mcp/cynergy-bank-mcp.yml - type: ToolCrosswalk url: mcp/cynergy-bank-tool-crosswalk.yml - type: DomainSecurity url: security/cynergy-bank-domain-security.yml - type: OAuthScopes url: scopes/cynergy-bank-scopes.yml - type: Authentication url: authentication/cynergy-bank-authentication.yml - type: Website url: https://www.cynergybank.co.uk/ - type: DeveloperPortal url: https://developer.openbanking.cynergybank.co.uk/ - type: Documentation url: https://www.cynergybank.co.uk/support/open-banking - type: LinkedIn url: https://uk.linkedin.com/company/cynergy-bank - type: Support url: https://www.cynergybank.co.uk/support/ - type: PrivacyPolicy url: https://www.cynergybank.co.uk/privacy-policy - type: TermsOfService url: https://www.cynergybank.co.uk/privacy-policy/legal-cynergy-bank - type: DocumentLibrary url: https://www.cynergybank.co.uk/document-library - type: Security url: https://www.cynergybank.co.uk/support/security-and-fraud/information-security maintainers: - FN: Kin Lane email: kin@apievangelist.com