# Halifax

> Halifax is a major British high-street banking brand and a trading division of Bank of Scotland plc, part of Lloyds Banking Group. As a CMA9-mandated UK Open Banking ASPSP it publishes the OBIE API surface: public, unauthenticated Open Data APIs (ATM/branch locators and product reference data) live at api.halifax.co.uk, plus FAPI-secured OBIE Read/Write APIs (AIS/PIS/CBPII) onboarded through the shared Lloyds Banking Group Developer Portal.

This llms.txt was generated by the API Evangelist enrichment pipeline from apis.yml and repo artifacts.

## Open Data APIs (public, unauthenticated — live)

- [ATM Locator API](https://api.halifax.co.uk/open-banking/v2.2/atms): Location and details of every Halifax cashpoint.
- [Branch Locator API](https://api.halifax.co.uk/open-banking/v2.2/branches): Directory of all Halifax branches.
- [Personal Current Accounts API](https://api.halifax.co.uk/open-banking/v2.2/personal-current-accounts): Personal current account product reference data.
- [Business Current Accounts API](https://api.halifax.co.uk/open-banking/v2.2/business-current-accounts): Business current account product reference data.
- [Unsecured SME Loans API](https://api.halifax.co.uk/open-banking/v2.2/unsecured-sme-loans): Unsecured SME loan product reference data.
- [Commercial Credit Cards API](https://api.halifax.co.uk/open-banking/v2.2/commercial-credit-cards): Commercial credit card product reference data.

## Read/Write APIs (FAPI-secured — TPP onboarding required)

- [Account & Transaction Information (AIS)](https://developer.lloydsbanking.com/prod01/lbg/read-write): scope `accounts`.
- [Payment Initiation (PIS)](https://developer.lloydsbanking.com/prod01/lbg/read-write): scope `payments`.
- [Confirmation of Funds (CBPII)](https://developer.lloydsbanking.com/prod01/lbg/read-write): scope `fundsconfirmation`.

## Specs & artifacts

- [Open Data OpenAPI (Swagger 2.0)](openapi/openbanking-opendata-standard-swagger.json)
- [Authentication profile](authentication/halifax-authentication.yml)
- [OAuth scopes](scopes/halifax-scopes.yml)
- [API conventions (idempotency, pagination, tracing)](conventions/halifax-conventions.yml)
- [Error / problem types](errors/halifax-problem-types.yml)
- [Lifecycle & versioning](lifecycle/halifax-lifecycle.yml)
- [Standards conformance](conformance/halifax-conformance.yml)
- [Sandbox](sandbox/halifax-sandbox.yml)
- [MCP candidate tools](mcp/halifax-mcp.yml)

## Docs

- [Lloyds Banking Group Developer Portal](https://developer.lloydsbanking.com/)
- [Halifax Open Data documentation](https://developer.lloydsbanking.com/prod01/lbg/opendata_halifax)
- [Read/Write onboarding](https://developer.lloydsbanking.com/prod01/lbg/read-write)
- [Sandbox guide](https://developer.lloydsbanking.com/prod01/lbg/lbg-support/sandbox-guide)
- [OBIE Read/Write standard](https://openbankinguk.github.io/read-write-api-site3/)
- [Support](https://developer.lloydsbanking.com/prod01/lbg/lbg-support)