# Metro Bank

> Metro Bank is a UK retail and commercial bank (LSE: MTRO), an FCA/PRA-authorised
> PSD2 account servicing payment service provider (ASPSP). It runs a public
> developer portal (built on Google Apigee) publishing UK Open Banking / OBIE
> APIs: a public Open Data reference API and FAPI-secured Read/Write APIs for
> Account Information, Payment Initiation, and Confirmation of Funds, plus an FCA
> Account Metrics API. Metro Bank is not one of the CMA9.

## APIs
- [Metro Bank Open Data API](https://developer.metrobankonline.co.uk/Overview): Public OBIE Open Data - ATMs, branches, personal/business current accounts, unsecured SME loans, commercial credit cards. Base https://api.metrobankonline.co.uk/open-banking/v2.3
- [Account and Transaction Information API](https://developer.metrobankonline.co.uk/Overview): OBIE Read/Write AIS (FAPI, consent-gated). Base https://api.metrobankonline.co.uk/open-banking/v3.1/aisp
- [Payment Initiation API](https://developer.metrobankonline.co.uk/Overview): OBIE Read/Write PIS (FAPI, consent-gated). Base https://api.metrobankonline.co.uk/open-banking/v3.1/pisp
- [Confirmation of Funds API](https://developer.metrobankonline.co.uk/Overview): OBIE Read/Write CBPII (FAPI, consent-gated). Base https://api.metrobankonline.co.uk/open-banking/v3.1/cbpii
- [FCA Account Metrics API](https://developer.metrobankonline.co.uk/FCA-Account-Metrics-API): FCA service-quality metrics reporting.

## Specs
- [OBIE Open Data API standard v1.3 (Swagger 2.0)](openapi/obie-open-data-api-standard-v1.3-swagger.json)
- OBIE Read/Write standard (conformed to): https://github.com/OpenBankingUK/read-write-api-specs

## Auth
- Open Data: public, unauthenticated (HTTPS)
- Read/Write: FAPI OAuth2/OIDC + mutual TLS + PSD2 SCA + OBIE dynamic client registration (eIDAS/OBIE certificates). See authentication/metro-bank-authentication.yml and scopes/metro-bank-scopes.yml.

## Docs
- [Developer Portal](https://developer.metrobankonline.co.uk/)
- [Overview](https://developer.metrobankonline.co.uk/Overview)
- [Website](https://www.metrobankonline.co.uk/)

## Artifacts
- [Authentication](authentication/metro-bank-authentication.yml)
- [OAuth Scopes](scopes/metro-bank-scopes.yml)
- [Conventions](conventions/metro-bank-conventions.yml)
- [Conformance](conformance/metro-bank-conformance.yml)
- [Lifecycle](lifecycle/metro-bank-lifecycle.yml)
- [Error catalog](errors/metro-bank-problem-types.yml)
- [Data model](data-model/metro-bank-data-model.yml)
- [Agentic access](agentic-access/metro-bank-agentic-access.yml)
- [Domain security](security/metro-bank-domain-security.yml)