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Full detail: Where this data comes from
Kroo Bank Ltd is a UK app-based challenger bank, granted a full UK banking licence in 2021 and launching its digital-only personal current account in December 2022. As an FCA-authorised ASPSP under PSD2, Kroo is a regulated UK Open Banking provider (though not one of the CMA9-mandated banks, and as a branchless digital bank it publishes no Open Data reference APIs). It exposes the OBIE Read/Write API family through a Banfico-hosted developer portal, secured with FAPI-grade OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication implemented as a CIBA decoupled flow.
APIs.json: https://raw.githubusercontent.com/api-evangelist/kroo/refs/heads/main/apis.yml
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- FAPI
- United Kingdom
- Payments
- Account Information
- Challenger Bank
- Fintech
- Created: 2026-07-23
- Modified: 2026-07-23
Kroo's PSD2 Account Information Service (AIS) dedicated interface, conformant to the OBIE Read/Write Account and Transaction API Standard. Lets FCA-authorised AISP third parties retrieve, with customer consent, account details, balances, transactions, beneficiaries, standing orders, direct debits, scheduled payments, and statements. FAPI-secured (OAuth2/OIDC + mTLS + PSD2 SCA via CIBA); access requires TPP onboarding through the Kroo developer portal.
- Human URL: https://developer.kroo.banfico.io/
- Account Information
- AIS
- Open Banking
- OBIE
- OpenAPI — OBIE Read/Write Account and Transaction API Standard v4.0.1 (shared standard, not a Kroo-proprietary contract)
- Documentation
- API Reference
- Documentation
Kroo's PSD2 Payment Initiation Service (PIS) dedicated interface, conformant to the OBIE Read/Write Payment Initiation API Standard. Lets FCA-authorised PISP third parties initiate domestic payments, scheduled payments, standing orders, and file payments from a customer's Kroo current account with their consent. FAPI-secured (OAuth2/OIDC + mTLS + PSD2 SCA via CIBA); access requires TPP onboarding through the Kroo developer portal.
- Human URL: https://developer.kroo.banfico.io/
- Payment Initiation
- PIS
- Open Banking
- OBIE
- OpenAPI — OBIE Read/Write Payment Initiation API Standard v4.0.1 (shared standard, not a Kroo-proprietary contract)
- Documentation
- API Reference
- Documentation
Kroo's PSD2 Confirmation of Funds Service (CBPII) dedicated interface, conformant to the OBIE Read/Write Confirmation of Funds API Standard. Lets FCA-authorised CBPII third parties confirm, with customer consent, whether a specified amount is available on a Kroo account without disclosing the balance. FAPI-secured (OAuth2/OIDC + mTLS + PSD2 SCA via CIBA); access requires TPP onboarding through the Kroo developer portal.
- Human URL: https://developer.kroo.banfico.io/
- Confirmation of Funds
- CBPII
- Open Banking
- OBIE
- OpenAPI — OBIE Read/Write Confirmation of Funds API Standard v4.0.1 (shared standard, not a Kroo-proprietary contract)
- Documentation
- API Reference
- Documentation
- Website
- Developer Portal
- Documentation
- Status Page
- Blog
- Support
- Terms of Service
- Privacy Policy
FN: Kin Lane Email: kin@apievangelist.com