generated: '2026-07-23'
method: searched
source: https://develop.hsbc.com/knowledge-article/get-started-open-banking-apis
note: >-
  first direct's Open Banking APIs are tested through the shared HSBC Developer
  Portal sandbox (develop.hsbc.com), which serves the HSBC UK, first direct and
  M&S Bank brands. The sandbox simulates production behaviour with test data and
  covers Account Information, Payment Initiation and Funds Confirmation. No real
  customer accounts are involved.
portal: https://develop.hsbc.com/
onboarding:
  steps:
  - Register on the HSBC Developer Portal (develop.hsbc.com).
  - Create a project in the Dev Hub to obtain encryption/signing keys for the sandbox.
  - Download the provided Postman collection + environment file with pre-populated sandbox credentials.
  note: All registered users automatically get access to the Open Banking APIs.
environments:
  sandbox:
    purpose: Test API integrations safely with simulated data (no real accounts).
    covers: [Account Information (AIS), Payment Initiation (PIS), Funds Confirmation (CBPII)]
    credentials: Pre-populated in the downloadable Postman environment; encryption keys generated per Dev Hub project.
  production:
    note: Requires FCA authorisation (TPP), OBIE/eIDAS transport & signing certificates, and directory registration; certificate-bound base URL not publicly listed.
tooling:
  postman:
    available: true
    delivery: Downloadable collection + environment from the Dev Hub sandbox project.
test_values:
  note: HSBC does not publish fixed magic test identifiers in public docs; sandbox test data is provisioned per project inside the Dev Hub and shipped in the Postman environment. No verbatim test values are reproduced here to avoid fabrication.