aid: natwest
url: https://raw.githubusercontent.com/api-evangelist/natwest/refs/heads/main/apis.yml
name: NatWest Group
kind: company
description: NatWest Group is a major UK retail and commercial bank (formerly Royal
  Bank of Scotland Group) serving personal, business, and corporate customers across
  the NatWest, Royal Bank of Scotland, Ulster Bank, Coutts, and NatWest International
  brands. It operates a public developer platform branded the "Bank of APIs" that
  publishes UK Open Banking (CMA9 / PSD2) APIs - Account and Transaction Information,
  Payment Initiation, and Confirmation of Funds - conformant to the Open Banking
  Implementation Entity (OBIE) Read/Write API Standard, alongside premium and
  commercial APIs. Access is secured with FAPI-grade OAuth2/OIDC, PSD2 strong
  customer authentication, mutual-TLS client authentication, and dynamic client
  registration using OBIE/eIDAS certificates, with a full sandbox for onboarding
  and testing before production.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Banking
- Open Banking
- Financial Services
- Payments
- PSD2
- FAPI
- Fintech
- Account Information
created: '2026-07-20'
modified: '2026-07-20'
specificationVersion: '0.19'
apis:
- aid: natwest:natwest-account-and-transaction-api
  name: NatWest Account and Transaction API
  tags:
  - Account Information
  - Transactions
  - AISP
  - Open Banking
  - PSD2
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankofapis.com/products/natwest-group-open-banking/accounts/documentation/nwb
  baseURL: https://api.sandbox.natwest.com/open-banking/v3.1/aisp
  properties:
  - url: https://www.bankofapis.com/products/natwest-group-open-banking/accounts/documentation/nwb
    type: Documentation
  - url: https://www.bankofapis.com/products/natwest-group-open-banking/accounts
    type: APIReference
  - url: openapi/natwest-account-transaction-openapi.yml
    type: OpenAPI
  description: Account Information Service Provider (AISP) API conformant to the OBIE
    Read/Write Standard v3.1.11, exposing account access consents, account details,
    balances, transactions, beneficiaries, standing orders, direct debits, and
    statements under the "accounts" OAuth scope. Requires FAPI OAuth2/OIDC with
    PSD2 strong customer authentication and mutual-TLS.
- aid: natwest:natwest-payment-initiation-api
  name: NatWest Payment Initiation API
  tags:
  - Payments
  - Payment Initiation
  - PISP
  - Open Banking
  - PSD2
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankofapis.com/products/natwest-group-open-banking/payments/documentation/nwb
  baseURL: https://api.sandbox.natwest.com/open-banking/v3.1/pisp
  properties:
  - url: https://www.bankofapis.com/products/natwest-group-open-banking/payments/documentation/nwb
    type: Documentation
  - url: https://www.bankofapis.com/products/natwest-group-open-banking/payments
    type: APIReference
  - url: openapi/natwest-payment-initiation-openapi.yml
    type: OpenAPI
  description: Payment Initiation Service Provider (PISP) API conformant to the OBIE
    Read/Write Standard v3.1.11, supporting domestic payments (including CHAPS and
    balance transfers), domestic scheduled payments, international payments,
    international scheduled payments, and file payments under the "payments" OAuth
    scope, with the customer approving each payment via PSD2 strong customer
    authentication over FAPI OAuth2 and mutual-TLS.
- aid: natwest:natwest-confirmation-of-funds-api
  name: NatWest Confirmation of Funds API
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  - PSD2
  - Card Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankofapis.com/products/natwest-group-open-banking/accounts/documentation/nwb
  baseURL: https://api.sandbox.natwest.com/open-banking/v3.1/cbpii
  properties:
  - url: https://www.bankofapis.com/products/natwest-group-open-banking/accounts/documentation/nwb
    type: Documentation
  - url: openapi/natwest-confirmation-of-funds-openapi.yml
    type: OpenAPI
  description: Card Based Payment Instrument Issuer (CBPII) Confirmation of Funds API
    conformant to the OBIE Read/Write Standard v3.1.11, letting authorised providers
    establish a funds-confirmation consent and check whether sufficient funds are
    available on a customer account under the "fundsconfirmations" OAuth scope,
    secured with FAPI OAuth2/OIDC, PSD2 SCA, and mutual-TLS.
common:
- type: WellKnown
  url: well-known/natwest-well-known.yml
- type: SecurityTxt
  url: well-known/natwest-security.txt
- type: Lifecycle
  url: lifecycle/natwest-lifecycle.yml
- type: StatusPage
  url: https://www.bankofapis.com/performance/service-interruptions
- type: Deprecation
  url: https://www.bankofapis.com/updates-and-releases
- type: ChangeLog
  url: changelog/natwest-changelog.yml
- type: Conformance
  url: conformance/natwest-conformance.yml
- type: Compliance
  url: https://www.bankofapis.com/products/natwest-group-open-banking/fca-service-metrics
- type: ErrorCatalog
  url: errors/natwest-error-codes.yml
- type: Conventions
  url: conventions/natwest-conventions.yml
- type: Idempotency
  url: conventions/natwest-conventions.yml
- type: DataModel
  url: data-model/natwest-data-model.yml
- type: Sandbox
  url: sandbox/natwest-sandbox.yml
- type: MCPServer
  url: mcp/natwest-mcp.yml
- type: LLMsTxt
  url: llms/natwest-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  name: Account and Transaction overlay
  url: overlays/natwest-account-transaction-overlay.yaml
- type: Overlay
  name: Payment Initiation overlay
  url: overlays/natwest-payment-initiation-overlay.yaml
- type: Overlay
  name: Confirmation of Funds overlay
  url: overlays/natwest-confirmation-of-funds-overlay.yaml
- type: Security
  url: https://bugcrowd.com/natwest-vdp
- type: VulnerabilityDisclosure
  url: security/natwest-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/natwest-domain-security.yml
- type: AgenticAccess
  url: agentic-access/natwest-agentic-access.yml
- type: OAuthScopes
  url: scopes/natwest-scopes.yml
- type: Authentication
  url: authentication/natwest-authentication.yml
- type: Website
  url: https://www.natwest.com/
- type: DeveloperPortal
  url: https://www.bankofapis.com/
- type: Documentation
  url: https://www.bankofapis.com/documentation
- type: GettingStarted
  url: https://www.bankofapis.com/getting-started
- type: Authentication
  url: https://www.bankofapis.com/documentation/security
- type: GitHubOrganization
  url: https://github.com/bankofapis
- type: LinkedIn
  url: https://www.linkedin.com/company/natwest-group
- type: Blog
  url: https://www.bankofapis.com/community/articles
- type: Support
  url: https://www.bankofapis.com/support
- type: TermsOfService
  url: https://www.bankofapis.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.bankofapis.com/privacy-notice
- type: SignUp
  url: https://www.bankofapis.com/register
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com