aid: paragon-bank
url: https://raw.githubusercontent.com/api-evangelist/paragon-bank/refs/heads/main/apis.yml
name: Paragon Bank
kind: company
description: 'Paragon Bank PLC is a UK specialist lender and retail savings bank, the principal banking
  subsidiary of Paragon Banking Group PLC (LSE: PAG), a FTSE 250 company founded in 1985 and headquartered
  in Solihull, West Midlands. Authorised by the Prudential Regulation Authority and regulated by the Financial
  Conduct Authority and the Prudential Regulation Authority (Firm Reference Number 604551, company number
  05390593), Paragon offers fixed-rate and easy-access savings accounts and cash ISAs alongside buy-to-let
  and residential mortgages, second-charge mortgages, development finance, motor finance, and asset and
  commercial lending. As a savings-and-lending institution rather than a personal current account provider,
  Paragon is not one of the CMA9 and publishes no public developer portal or Open Banking API surface
  of its own - its accounts are reachable to third parties only through account-information aggregators.
  This profile represents the UK Open Banking Implementation Entity (OBIE) standard - the PSD2 Open Data
  reference APIs and the FAPI-secured Read/Write family (Account and Transaction Information, Payment
  Initiation, Confirmation of Funds) - captured verbatim as the shared industry standard and clearly labelled
  as unverified for this bank; no Paragon-hosted endpoint was confirmed at profiling time.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Savings
- Mortgages
- Specialist Lender
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Account Information
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: paragon-bank:paragon-open-data-api
  name: Paragon Bank Open Data API (OBIE standard, unverified)
  description: The UK Open Banking Open Data API - a public, unauthenticated reference-data surface (ATMs,
    branches, personal and business current accounts, unsecured SME loans, commercial credit cards) defined
    by the Open Banking Implementation Entity. Captured here as the shared OBIE standard; Paragon Bank
    does not publish a confirmed Open Data endpoint (no live host was verified) and, as a savings-and-lending
    bank without current accounts, has no CMA9 Open Data obligation.
  humanURL: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  tags:
  - Open Data
  - Reference Data
  - Public
  properties:
  - type: OpenAPI
    url: openapi/obie-opendata-standard.json
  - type: Documentation
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
- aid: paragon-bank:paragon-account-information-api
  name: Paragon Bank Account and Transaction Information API (OBIE standard, unverified)
  description: The OBIE Read/Write Account and Transaction Information (AIS) API standard - FAPI-secured
    (OAuth2/OIDC, mutual-TLS, PSD2 strong customer authentication) account, balance, transaction, and
    party data access for authorised third parties. Captured here as the shared OBIE standard specification,
    not a Paragon-hosted contract; no Paragon AIS endpoint or developer onboarding was confirmed at profiling
    time.
  humanURL: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/account-and-transaction-api-profile.html
  tags:
  - Account Information
  - Transactions
  - AIS
  - FAPI
  properties:
  - type: OpenAPI
    url: openapi/obie-account-info-standard.yaml
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/account-and-transaction-api-profile.html
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: paragon-bank:paragon-payment-initiation-api
  name: Paragon Bank Payment Initiation API (OBIE standard, unverified)
  description: The OBIE Read/Write Payment Initiation (PIS) API standard - FAPI-secured initiation of
    domestic, scheduled, standing-order, international, and file payments on behalf of a customer with
    PSD2 strong customer authentication. Captured here as the shared OBIE standard specification, not
    a Paragon-hosted contract; no Paragon PIS endpoint was confirmed and Paragon does not document payment-initiation
    services.
  humanURL: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/payment-initiation-api-profile.html
  tags:
  - Payment Initiation
  - Payments
  - PIS
  - FAPI
  properties:
  - type: OpenAPI
    url: openapi/obie-payment-initiation-standard.yaml
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/payment-initiation-api-profile.html
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: paragon-bank:paragon-confirmation-of-funds-api
  name: Paragon Bank Confirmation of Funds API (OBIE standard, unverified)
  description: The OBIE Read/Write Confirmation of Funds (CBPII) API standard - FAPI-secured yes/no confirmation
    of available funds for a card-based payment instrument issuer. Captured here as the shared OBIE standard
    specification, not a Paragon-hosted contract; no Paragon CBPII endpoint was confirmed at profiling
    time.
  humanURL: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/confirmation-of-funds-api-profile.html
  tags:
  - Confirmation of Funds
  - CBPII
  - FAPI
  properties:
  - type: OpenAPI
    url: openapi/obie-confirmation-funds-standard.yaml
  - type: Documentation
    url: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/confirmation-of-funds-api-profile.html
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
common:
- type: AgenticAccess
  url: agentic-access/paragon-bank-agentic-access.yml
- type: DomainSecurity
  url: security/paragon-bank-domain-security.yml
- type: OAuthScopes
  url: scopes/paragon-bank-scopes.yml
- type: Authentication
  url: authentication/paragon-bank-authentication.yml
- type: Website
  url: https://www.paragonbank.co.uk/
- type: About
  url: https://www.paragonbank.co.uk/who-we-are
- type: Website
  name: Paragon Banking Group (parent)
  url: https://www.paragonbankinggroup.co.uk/
- type: LinkedIn
  url: https://uk.linkedin.com/company/paragon-banking-group-plc
- type: Support
  url: https://www.paragonbank.co.uk/contact-us
- type: Pricing
  name: Savings rates
  url: https://www.paragonbank.co.uk/savings
- type: TermsOfService
  url: https://www.paragonbank.co.uk/resources/paragonbank/documents/savings/general-terms-and-conditions
- type: ErrorCatalog
  url: errors/paragon-bank-problem-types.yml
- type: Conformance
  url: conformance/paragon-bank-conformance.yml
- type: Conventions
  url: conventions/paragon-bank-conventions.yml
- type: Idempotency
  url: conventions/paragon-bank-conventions.yml
- type: Lifecycle
  url: lifecycle/paragon-bank-lifecycle.yml
- type: MCPServer
  url: mcp/paragon-bank-mcp.yml
- type: ToolCrosswalk
  url: mcp/paragon-bank-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/paragon-bank-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  name: Account Info overlay
  url: overlays/paragon-bank-account-info-overlay.yaml
- type: Overlay
  name: Payment Initiation overlay
  url: overlays/paragon-bank-payment-initiation-overlay.yaml
- type: Overlay
  name: Confirmation of Funds overlay
  url: overlays/paragon-bank-confirmation-funds-overlay.yaml
- type: Overlay
  name: Open Data overlay
  url: overlays/paragon-bank-opendata-overlay.yaml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com