aid: virgin-money-uk
url: https://raw.githubusercontent.com/api-evangelist/virgin-money-uk/refs/heads/main/apis.yml
name: Virgin Money UK
kind: company
description: >-
  Virgin Money UK is a full-service UK retail and business bank, operating the
  Virgin Money, Clydesdale Bank, Yorkshire Bank, and B brands across personal
  current and savings accounts, mortgages, credit cards, and business banking.
  Formerly the FTSE-listed Virgin Money UK PLC (the former CYBG plc), it was
  acquired by Nationwide Building Society on 1 October 2024, making it part of a
  mutually owned group; its banking business is scheduled to transfer into
  Nationwide on 2 April 2026. The bank is authorised by the Prudential
  Regulation Authority and regulated by the FCA and PRA as an ASPSP. It is not
  one of the original CMA9 but is a fully participating UK Open Banking provider
  under PSD2 and the Payment Services Regulations 2017, publishing OBIE
  Read/Write Standard APIs - Account & Transaction Information (AIS), Payment
  Initiation (PIS), and Confirmation of Funds (CBPII) - through its developer
  portal at developer.virginmoney.com, split into "Merged" APIs (Virgin Money,
  Clydesdale and Yorkshire accounts, sort codes 05/82) and "Standalone" APIs
  (personal accounts and credit cards, sort code 08). Access is secured with
  FAPI-grade OAuth2/OpenID Connect, PSD2 strong customer authentication,
  mutual-TLS client authentication, and dynamic client registration using
  OBIE (OBWAC/OBSeal) or eIDAS (QWAC/QSEAL) certificates.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve TPP onboarding (Open Banking certificates required)
  confidence: medium
  source:
  - authentication
  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
- Payments
- Account Information
- Confirmation of Funds
- FAPI
created: '2026-07-23'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: virgin-money-uk:open-data-api
  name: Virgin Money UK Open Data API
  description: >-
    PUBLIC, unauthenticated OBIE Open Data API surface (ATM Locator, Branch
    Locator, Personal & Business Current Accounts, Unsecured SME Loans,
    Commercial Credit Cards). Represented as the shared OBIE Open Data Standard;
    the legacy CYBG base URL (api-ib.cybservices.co.uk) is documented in the
    OBIE participant registry but returned HTTP 404 on probe (2026-07-23), so
    the live current-brand endpoint is unverified.
  humanURL: https://developer.virginmoney.com/
  baseURL: https://api-ib.cybservices.co.uk/ibapi/v2/banks/CB/open-banking
  tags:
  - Open Data
  - ATM Locator
  - Branch Locator
  properties:
  - type: OpenAPI
    url: openapi/obie-opendata-api-standard-openapi.json
  - type: Documentation
    url: https://developer.virginmoney.com/
  - type: APIReference
    url: https://openbankinguk.github.io/opendata-api-docs-pub/v2.4.0/
- aid: virgin-money-uk:account-transaction-api
  name: Virgin Money UK Account and Transaction API (AIS)
  description: >-
    OBIE Read/Write Account & Transaction Information (AIS) API - retrieve
    accounts, balances, transactions, beneficiaries, standing orders, direct
    debits, and statements. Merged brand family (Virgin Money, Clydesdale,
    Yorkshire), OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
  humanURL: https://developer.virginmoney.com/merged/accounts/
  baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
  tags:
  - Account Information
  - AISP
  properties:
  - type: Documentation
    url: https://developer.virginmoney.com/merged/accounts/
  - type: APIReference
    url: https://developer.virginmoney.com/merged/accounts/
  - type: Documentation
    url: https://developer.virginmoney.com/standalone/account-and-transaction/
- aid: virgin-money-uk:domestic-payments-api
  name: Virgin Money UK Domestic Immediate Payment API (PIS)
  description: >-
    OBIE Read/Write Payment Initiation (PIS) API for domestic immediate
    payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS +
    PSD2 SCA.
  humanURL: https://developer.virginmoney.com/merged/dip/
  baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
  tags:
  - Payment Initiation
  - PISP
  properties:
  - type: Documentation
    url: https://developer.virginmoney.com/merged/dip/
  - type: APIReference
    url: https://developer.virginmoney.com/merged/dip/
- aid: virgin-money-uk:domestic-scheduled-payments-api
  name: Virgin Money UK Domestic Scheduled Payment API (PIS)
  description: >-
    OBIE Read/Write Payment Initiation (PIS) API for domestic scheduled
    payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS +
    PSD2 SCA.
  humanURL: https://developer.virginmoney.com/merged/dsp/
  baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
  tags:
  - Payment Initiation
  - PISP
  properties:
  - type: Documentation
    url: https://developer.virginmoney.com/merged/dsp/
  - type: APIReference
    url: https://developer.virginmoney.com/merged/dsp/
- aid: virgin-money-uk:file-payments-api
  name: Virgin Money UK File Payments API (PIS)
  description: >-
    OBIE Read/Write Payment Initiation (PIS) API for batch/file payments.
    Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
  humanURL: https://developer.virginmoney.com/merged/file-payments/
  baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
  tags:
  - Payment Initiation
  - File Payments
  properties:
  - type: Documentation
    url: https://developer.virginmoney.com/merged/file-payments/
  - type: APIReference
    url: https://developer.virginmoney.com/merged/file-payments/
- aid: virgin-money-uk:international-payments-api
  name: Virgin Money UK International Payments API (PIS)
  description: >-
    OBIE Read/Write Payment Initiation (PIS) API for international payments.
    Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS + PSD2 SCA.
  humanURL: https://developer.virginmoney.com/merged/ip/
  baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
  tags:
  - Payment Initiation
  - International Payments
  properties:
  - type: Documentation
    url: https://developer.virginmoney.com/merged/ip/
  - type: APIReference
    url: https://developer.virginmoney.com/merged/ip/
- aid: virgin-money-uk:international-scheduled-payments-api
  name: Virgin Money UK International Scheduled Payments API (PIS)
  description: >-
    OBIE Read/Write Payment Initiation (PIS) API for international scheduled
    payments. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC + mTLS +
    PSD2 SCA.
  humanURL: https://developer.virginmoney.com/merged/isp/
  baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
  tags:
  - Payment Initiation
  - International Scheduled Payments
  properties:
  - type: Documentation
    url: https://developer.virginmoney.com/merged/isp/
  - type: APIReference
    url: https://developer.virginmoney.com/merged/isp/
- aid: virgin-money-uk:confirmation-of-funds-api
  name: Virgin Money UK Confirmation of Funds API (CBPII)
  description: >-
    OBIE Read/Write Confirmation of Funds (CBPII) API - allows a Card Based
    Payment Instrument Issuer to check whether sufficient balance is available
    to make a payment. Merged brand family, OBIE v3.1.2. FAPI OAuth2/OIDC +
    mTLS + PSD2 SCA.
  humanURL: https://developer.virginmoney.com/merged/cof/
  baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
  tags:
  - Confirmation of Funds
  - CBPII
  properties:
  - type: Documentation
    url: https://developer.virginmoney.com/merged/cof/
  - type: APIReference
    url: https://developer.virginmoney.com/merged/cof/
- aid: virgin-money-uk:oidc-api
  name: Virgin Money UK OIDC API
  description: >-
    Open Banking-compliant OpenID Connect provider for TPP authorisation.
    Live production discovery document confirmed (HTTP 200, 2026-07-23):
    issuer https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production,
    authorization, token, and registration endpoints, acr
    urn:openbanking:psd2:sca, tls_client_auth and private_key_jwt supported.
  humanURL: https://developer.virginmoney.com/standalone/oidc/
  baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
  tags:
  - OIDC
  - Authentication
  - FAPI
  properties:
  - type: Documentation
    url: https://developer.virginmoney.com/standalone/oidc/
  - type: WellKnown
    url: well-known/virgin-money-uk-openid-configuration.json
  - type: APIReference
    url: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production/.well-known/openid-configuration
- aid: virgin-money-uk:token-api
  name: Virgin Money UK Token API
  description: >-
    OAuth2 token endpoint for obtaining access tokens used to call the OBIE
    Read/Write APIs. Documented at v3.0. Confirmed token endpoint (from live
    OIDC discovery): secureapi.prod.ob.virginmoney.com.
  humanURL: https://developer.virginmoney.com/merged/token/
  baseURL: https://secureapi.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
  tags:
  - OAuth2
  - Token
  properties:
  - type: Documentation
    url: https://developer.virginmoney.com/merged/token/
  - type: APIReference
    url: https://developer.virginmoney.com/merged/token/
- aid: virgin-money-uk:dynamic-client-registration-api
  name: Virgin Money UK Dynamic Client Registration API
  description: >-
    OBIE Dynamic Client Registration (DCR) API allowing TPPs to register with
    Virgin Money brands using OBIE (OBWAC/OBSeal) or eIDAS (QWAC/QSEAL)
    certificates. Documented at v3.2. Confirmed registration endpoint (from
    live OIDC discovery): secureapi.prod.ob.virginmoney.com/.../register.
  humanURL: https://developer.virginmoney.com/merged/dynamic-registration/
  baseURL: https://secureapi.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
  tags:
  - Dynamic Client Registration
  - Onboarding
  properties:
  - type: Documentation
    url: https://developer.virginmoney.com/merged/dynamic-registration/
  - type: APIReference
    url: https://developer.virginmoney.com/merged/dynamic-registration/
- aid: virgin-money-uk:standalone-account-transaction-api
  name: Virgin Money UK Standalone Account and Transaction API (AIS)
  description: >-
    OBIE Read/Write Account & Transaction Information (AIS) API for the
    Standalone brand family (personal credit cards and sort-code-08 current and
    savings accounts), documented at OBIE v3.1.1. FAPI OAuth2/OIDC + mTLS +
    PSD2 SCA.
  humanURL: https://developer.virginmoney.com/standalone/account-and-transaction/
  baseURL: https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production
  tags:
  - Account Information
  - AISP
  properties:
  - type: Documentation
    url: https://developer.virginmoney.com/standalone/account-and-transaction/
  - type: APIReference
    url: https://developer.virginmoney.com/standalone-apis/our-apis/accounts/account-and-transaction/v/3.1.1/
common:
- type: AgenticAccess
  url: agentic-access/virgin-money-uk-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/virgin-money-uk-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/virgin-money-uk-domain-security.yml
- type: Security
  url: security/virgin-money-uk-vulnerability-disclosure.yml
- type: WellKnown
  url: well-known/virgin-money-uk-well-known.yml
- type: WellKnown
  url: well-known/virgin-money-uk-openid-configuration.json
- type: SecurityTxt
  url: well-known/virgin-money-uk-security.txt
- type: Authentication
  url: authentication/virgin-money-uk-authentication.yml
- type: OAuthScopes
  url: scopes/virgin-money-uk-scopes.yml
- type: Conformance
  url: conformance/virgin-money-uk-conformance.yml
- type: Conventions
  url: conventions/virgin-money-uk-conventions.yml
- type: Idempotency
  url: conventions/virgin-money-uk-conventions.yml
- type: ErrorCatalog
  url: errors/virgin-money-uk-problem-types.yml
- type: Lifecycle
  url: lifecycle/virgin-money-uk-lifecycle.yml
- type: Deprecation
  url: lifecycle/virgin-money-uk-lifecycle.yml
- type: DataModel
  url: data-model/virgin-money-uk-data-model.yml
- type: Overlay
  url: overlays/virgin-money-uk-opendata-overlay.yaml
- type: LLMsTxt
  url: llms/virgin-money-uk-llms.txt
- type: AgentSkill
  url: skills/virgin-money-uk-locate-atms-branches.md
- type: Website
  url: https://uk.virginmoney.com/
- type: DeveloperPortal
  url: https://developer.virginmoney.com/
- type: Documentation
  url: https://developer.virginmoney.com/merged/
- type: Support
  url: https://uk.virginmoney.com/support/
- type: TermsOfService
  url: https://uk.virginmoney.com/terms/
- type: PrivacyPolicy
  url: https://uk.virginmoney.com/privacy/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com