aid: vanquis-banking-group url: https://raw.githubusercontent.com/api-evangelist/vanquis-banking-group/refs/heads/main/apis.yml name: Vanquis Banking Group kind: company description: >- Vanquis Banking Group plc (formerly Provident Financial plc, rebranded 2023) is a UK specialist non-prime lender and savings bank headquartered in Bradford, England, listed on the London Stock Exchange under the ticker VANQ and serving around 1.75 million customers under the Vanquis, Moneybarn and Snoop brands. It offers credit cards, unsecured personal loans, second-charge mortgages, retail savings (easy-access, fixed-rate, notice and ISA accounts) and consumer vehicle finance to customers underserved by mainstream lenders. Its banking subsidiary, Vanquis Bank Limited, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (Financial Services Register no. 221156) and, as an FCA-authorised ASPSP, is a UK Open Banking participant (not one of the CMA9). Vanquis exposes the OBIE Read/Write API family - Account and Transaction Information (AIS), Payment Initiation (PIS) and Confirmation of Funds (CBPII) at v3.1.10 - plus Dynamic Client Registration, onboarded and secured through the Open Banking Directory under the PSD2 / FAPI security profile (OAuth2/OIDC, mutual-TLS and strong customer authentication). As a credit-card and savings specialist with no branch or current-account estate, Vanquis publishes no public Open Data (ATM/Branch/PCA/BCA) API. accessModel: pricing: unknown onboarding: self-serve trial: false try_now: false public: false label: Self-serve onboarding via Open Banking Directory confidence: medium source: - authentication - onboarding generated: '2026-07-23' method: derived image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Financial Services - Banking - Open Banking - PSD2 - OBIE - United Kingdom - Specialist Lender - Credit Cards - Account Information - Payments created: '2026-07-23' modified: '2026-07-23' specificationVersion: '0.19' apis: - aid: vanquis-banking-group:vanquis-account-transaction-api name: Vanquis Bank Account and Transaction API (AIS) description: >- Vanquis Bank's OBIE Read/Write Account and Transaction Information API (AISP), conformant to the Open Banking Implementation Entity Read/Write Data API Standard v3.1.10. Enables authorised Account Information Service Providers to access account, balance and transaction data with customer consent, secured under the PSD2 / FAPI profile (OAuth2/OIDC, mutual-TLS, SCA). The production host is provisioned to each TPP during Open Banking Directory onboarding and is not publicly published; the harvested OpenAPI is the shared OBIE standard contract Vanquis conforms to, not a Vanquis-proprietary document. humanURL: https://www.vanquis.com/developer-portal/ baseURL: '' tags: - Account Information - AISP - Open Banking properties: - type: OpenAPI url: openapi/obie-account-info-openapi.yaml - type: Documentation url: >- https://openbanking.atlassian.net/wiki/spaces/DZ/pages/937820271/Account+and+Transaction+API+Specification+-+v3.1 - type: APIReference url: https://www.vanquis.com/developer-portal/ - type: DeveloperPortal url: https://www.vanquis.com/developer-portal/ - aid: vanquis-banking-group:vanquis-payment-initiation-api name: Vanquis Bank Payment Initiation API (PIS) description: >- Vanquis Bank's OBIE Read/Write Payment Initiation API (PISP), conformant to the Open Banking Implementation Entity Read/Write API Standard v3.1.10. Enables authorised Payment Initiation Service Providers to initiate payments from a customer account with consent, secured under the PSD2 / FAPI profile (OAuth2/OIDC, mutual-TLS, SCA). The production host is provisioned per TPP during Open Banking Directory onboarding and is not publicly published; the harvested OpenAPI is the shared OBIE standard contract, not a Vanquis proprietary document. humanURL: https://www.vanquis.com/developer-portal/ baseURL: '' tags: - Payment Initiation - PISP - Open Banking properties: - type: OpenAPI url: openapi/obie-payment-initiation-openapi.yaml - type: Documentation url: >- https://openbanking.atlassian.net/wiki/spaces/DZ/pages/937754701/Payment+Initiation+API+Specification+-+v3.1 - type: APIReference url: https://www.vanquis.com/developer-portal/ - type: DeveloperPortal url: https://www.vanquis.com/developer-portal/ - aid: vanquis-banking-group:vanquis-confirmation-of-funds-api name: Vanquis Bank Confirmation of Funds API (CBPII) description: >- Vanquis Bank's OBIE Read/Write Confirmation of Funds API (CBPII), conformant to the Open Banking Implementation Entity Read/Write API Standard v3.1.10. Allows authorised Card Based Payment Instrument Issuers to confirm the availability of funds on a customer account with consent, secured under the PSD2 / FAPI profile (OAuth2/OIDC, mutual-TLS, SCA). The production host is provisioned per TPP during Open Banking Directory onboarding and is not publicly published; the harvested OpenAPI is the shared OBIE standard contract, not a Vanquis proprietary document. humanURL: https://www.vanquis.com/developer-portal/ baseURL: '' tags: - Confirmation of Funds - CBPII - Open Banking properties: - type: OpenAPI url: openapi/obie-confirmation-funds-openapi.yaml - type: Documentation url: >- https://openbanking.atlassian.net/wiki/spaces/DZ/pages/937951380/Confirmation+of+Funds+API+Specification+-+v3.1 - type: APIReference url: https://www.vanquis.com/developer-portal/ - type: DeveloperPortal url: https://www.vanquis.com/developer-portal/ - aid: vanquis-banking-group:vanquis-dynamic-client-registration-api name: Vanquis Bank Dynamic Client Registration API description: >- Vanquis Bank's OpenID / OBIE Dynamic Client Registration (DCR) endpoint, documented on the Vanquis developer portal, allowing onboarded Third Party Providers to register OAuth clients programmatically using OBIE/eIDAS certificates as part of the Open Banking Directory enrolment flow. The production host is provisioned per TPP during onboarding and is not publicly published; no Vanquis-proprietary OpenAPI is published for this surface. humanURL: https://www.vanquis.com/developer-portal/ baseURL: '' tags: - Dynamic Client Registration - Onboarding - Open Banking properties: - type: Documentation url: >- https://openbanking.atlassian.net/wiki/spaces/DZ/pages/36667724/The+OpenBanking+OpenID+Dynamic+Client+Registration+Specification+-+v1.0.0-rc2 - type: APIReference url: https://www.vanquis.com/developer-portal/ - type: DeveloperPortal url: https://www.vanquis.com/developer-portal/ common: - type: DomainSecurity url: security/vanquis-banking-group-domain-security.yml - type: AgenticAccess url: agentic-access/vanquis-banking-group-agentic-access.yml - type: OAuthScopes url: scopes/vanquis-banking-group-scopes.yml - type: Authentication url: authentication/vanquis-banking-group-authentication.yml - type: Website url: https://www.vanquis.com/ - type: Website name: Group / Investor site url: https://www.vanquisbankinggroup.com/ - type: DeveloperPortal url: https://www.vanquis.com/developer-portal/ - type: Documentation url: https://openbanking.atlassian.net/wiki/spaces/DZ/overview - type: SignUp url: https://directory.openbanking.org.uk/s/login/SelfRegister - type: Support url: https://directory.openbanking.org.uk/obieservicedesk/s/ - type: LinkedIn url: https://www.linkedin.com/company/vanquis/ - type: TermsOfService url: https://www.vanquis.com/legal/terms-of-use/ - type: PrivacyPolicy url: https://www.vanquis.com/legal/privacy/ - type: Contact url: https://www.vanquis.com/contact-us/ - type: ErrorCatalog url: errors/vanquis-banking-group-problem-types.yml - type: Conformance url: conformance/vanquis-banking-group-conformance.yml - type: Lifecycle url: lifecycle/vanquis-banking-group-lifecycle.yml - type: Deprecation url: lifecycle/vanquis-banking-group-lifecycle.yml - type: Conventions url: conventions/vanquis-banking-group-conventions.yml - type: Idempotency url: conventions/vanquis-banking-group-conventions.yml - type: MCPServer url: mcp/vanquis-banking-group-mcp.yml - type: LLMsTxt url: llms/vanquis-banking-group-llms.txt - type: Overlay name: Account and Transaction (AIS) enhancements url: overlays/vanquis-banking-group-aisp-overlay.yaml - type: Overlay name: Payment Initiation (PIS) enhancements url: overlays/vanquis-banking-group-pisp-overlay.yaml - type: Overlay name: Confirmation of Funds (CBPII) enhancements url: overlays/vanquis-banking-group-cbpii-overlay.yaml - type: DataModel url: data-model/vanquis-banking-group-data-model.yml - type: AgentSkill name: Read Vanquis account and transaction data (AIS) url: skills/vanquis-read-account-transactions.md - type: AgentSkill name: Initiate a domestic payment from Vanquis (PIS) url: skills/vanquis-initiate-domestic-payment.md maintainers: - FN: Kin Lane email: kin@apievangelist.com