Introduction

Open Banking

The Zopa Open Banking API is based on the Open Banking Standard which allows regulated Third Party Providers (TPPs) to access Account Information Services (AIS) for Zopa Credit Cards. Access to these services on behalf of members is controlled by strong customer authentication within Zopa apps as part of OpenID Connect authorisation flows.

We support app->app and mobile-web->app authentication flows.

Zopa is an FCA registered Account Servicing Payment Service Provider (ASPSP) who provides access to these services via the Open Banking standard.

You can find out more about Open Banking here: What is Open Banking

API Documentation

Please see the following specifications we have aligned with:

• Dynamic Client Registration (DCR) Specification: Use this specification to register your TPP client to use our APIs
• Open ID Foundation's Financial Grade API (FAPI) Profile: This specification enables user authentication of consents for open banking
• Open Banking API Specification: Based on Open Banking Read/Write API Specification v3.1.2, this specification describes the resources that are available on our service:
  • Accounts & Transaction Information API
  • Payments Initiation Services API
  • Card Based Payment Instrument Issuer (CBPII) API

Getting started

We recommend that you start off by accessing our Sandbox.

Our Sandbox fully reflects our production environment and provides an easy route to testing out your proposition.

To access the production environment, you must be a TPP authorised by the FCA or passported into the UK. Instructions for accessing our Production APIs are here.

See our Getting Started page for instructions on accessing our sandbox and production APIs

If you require test accounts please contact mailto:openbanking-support@zopa.com