aid: tandem-bank url: https://raw.githubusercontent.com/api-evangelist/tandem-bank/refs/heads/main/apis.yml name: Tandem Bank kind: company description: >- Tandem Bank (Tandem Bank Limited) is a UK app-only challenger and self-styled "greener" digital bank founded in 2014 and headquartered in Blackpool, England, with offices in Cardiff, Durham, and London. It obtained its UK banking licence through the 2018 acquisition of Harrods Bank and has since grown by acquiring Allium Lending Group, Oplo, and Loop Money, offering savings and cash ISAs, green home-improvement and home loans, mortgages, motor finance, and a credit card. Tandem Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. It is not one of the CMA9 and does not publish a public Open Data reference API; as an FCA-authorised ASPSP it meets UK Open Banking / PSD2 obligations through a dedicated interface provided by Token, conformant to the Open Banking Implementation Entity (OBIE) Read/Write Standard for Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (CBPII), secured with FAPI-grade OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. Tandem also consumes Open Banking as a TPP via TrueLayer for savings onboarding and transfers. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Financial Services - Banking - Open Banking - PSD2 - OBIE - FAPI - United Kingdom - Payments - Account Information - Challenger Bank - Fintech created: '2026-07-23' modified: '2026-07-23' specificationVersion: '0.19' apis: - aid: tandem-bank:tandem-bank-account-transaction-information-api name: Tandem Bank Account and Transaction Information API (AIS) description: >- Tandem Bank's Open Banking Account Information Service (AIS) exposing account, balance, transaction, and product data for its credit card and savings products. Delivered through Tandem's PSD2 dedicated interface (provided by Token), conformant to the OBIE Read/Write Account and Transaction API Standard. FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA); production base URL is issued per authorised TPP during Token onboarding and is not publicly published. The attached OpenAPI is the shared OBIE standard specification, not a Tandem-proprietary contract. humanURL: https://developer.token.io/ tags: - Account Information - AISP - Open Banking properties: - type: OpenAPI url: openapi/obie-standard-account-info-openapi.yaml - type: Overlay url: overlays/tandem-bank-account-info-overlay.yaml - type: Documentation url: https://developer.token.io/ - type: APIReference url: https://github.com/OpenBankingUK/read-write-api-specs - aid: tandem-bank:tandem-bank-payment-initiation-api name: Tandem Bank Payment Initiation API (PIS) description: >- Tandem Bank's Open Banking Payment Initiation Service (PIS) for initiating domestic and other payments against Tandem accounts. Delivered through Tandem's PSD2 dedicated interface (provided by Token), conformant to the OBIE Read/Write Payment Initiation API Standard. FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA); production base URL is issued per authorised TPP during Token onboarding and is not publicly published. The attached OpenAPI is the shared OBIE standard specification, not a Tandem-proprietary contract. humanURL: https://developer.token.io/ tags: - Payment Initiation - PISP - Open Banking properties: - type: OpenAPI url: openapi/obie-standard-payment-initiation-openapi.yaml - type: Overlay url: overlays/tandem-bank-payment-initiation-overlay.yaml - type: Documentation url: https://developer.token.io/ - type: APIReference url: https://github.com/OpenBankingUK/read-write-api-specs - aid: tandem-bank:tandem-bank-confirmation-of-funds-api name: Tandem Bank Confirmation of Funds API (CBPII) description: >- Tandem Bank's Open Banking Confirmation of Funds Service (CBPII) allowing card-based payment instrument issuers to confirm the availability of funds. Delivered through Tandem's PSD2 dedicated interface (provided by Token), conformant to the OBIE Read/Write Confirmation of Funds API Standard. FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA); production base URL is issued per authorised TPP during Token onboarding and is not publicly published. The attached OpenAPI is the shared OBIE standard specification, not a Tandem-proprietary contract. humanURL: https://developer.token.io/ tags: - Confirmation of Funds - CBPII - Open Banking properties: - type: OpenAPI url: openapi/obie-standard-confirmation-funds-openapi.yaml - type: Overlay url: overlays/tandem-bank-confirmation-funds-overlay.yaml - type: Documentation url: https://developer.token.io/ - type: APIReference url: https://github.com/OpenBankingUK/read-write-api-specs common: - type: DomainSecurity url: security/tandem-bank-domain-security.yml - type: AgenticAccess url: agentic-access/tandem-bank-agentic-access.yml - type: OAuthScopes url: scopes/tandem-bank-scopes.yml - type: Authentication url: authentication/tandem-bank-authentication.yml - type: Conventions url: conventions/tandem-bank-conventions.yml - type: Idempotency url: conventions/tandem-bank-conventions.yml - type: ErrorCatalog url: errors/tandem-bank-problem-types.yml - type: Conformance url: conformance/tandem-bank-conformance.yml - type: DataModel url: data-model/tandem-bank-data-model.yml - type: Lifecycle url: lifecycle/tandem-bank-lifecycle.yml - type: MCPServer url: mcp/tandem-bank-mcp.yml - type: LLMsTxt url: llms/tandem-bank-llms.txt - type: AgentSkill url: skills/_index.yml - type: GettingStarted url: https://developer.token.io/token_tpp_sdk_doc/content/a-tpp_onboarding/sdk_intro.htm - type: Website url: https://www.tandem.co.uk/ - type: OpenBanking url: https://www.tandem.co.uk/save/open-banking-page - type: DeveloperPortal url: https://developer.token.io/ - type: APIStandard url: https://github.com/OpenBankingUK/read-write-api-specs - type: LinkedIn url: https://www.linkedin.com/company/tandem-bank/ - type: Blog url: https://www.tandem.co.uk/blog - type: Newsroom url: https://www.tandem.co.uk/newsroom - type: Support url: https://www.tandem.co.uk/support - type: PrivacyPolicy url: https://www.tandem.co.uk/privacy-notice - type: About url: https://www.tandem.co.uk/about maintainers: - FN: Kin Lane email: kin@apievangelist.com