Lloyds Banking Group Confirmation of Funds API
OBIE Read/Write Confirmation of Funds (CBPII) API allowing an authorised card-based payment instrument issuer to check whether funds are available on a customer account. FAPI-secured (OAuth2/OIDC, mTLS, PSD2 SCA); requires developer-portal onboarding and Open Banking directory registration. Spec provenance is the shared OBIE Read/Write standard, not a Lloyds-proprietary contract.
Lloyds Banking Group Confirmation of Funds API is one of 6 APIs that Lloyds Banking Group publishes on the APIs.io network, described by a machine-readable OpenAPI specification.
Tagged areas include Confirmation of Funds, CBPII, and Open Banking. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, and an API reference.
This API exposes 4 operations across 3 paths, organized into 2 resource areas, and defines 15 schemas. It is described by OpenAPI 3.0.0, at version 4.0.1.
Requests are made against a single base URL, /open-banking/v4.0/cbpii.
Metadata
The identity and technical contract details declared by the specification.
Authentication & Security 2
Lloyds Banking Group Confirmation of Funds API declares
2 security schemes
for authenticating requests.
It supports OAuth 2.0 (TPPOAuth2Security) using the clientCredentials flow, exposing 1 scope.
It supports OAuth 2.0 (PSUOAuth2Security) using the authorizationCode flow, exposing 1 scope.
TPPOAuth2Security— TPP client credential authorisation flow with the ASPSPPSUOAuth2Security— OAuth flow, it is required when the PSU needs to perform SCA with the ASPSP when a TPP wants to access an ASPSP resource owned by the PSU
Paths & Operations 4
Across 3 paths, the API surfaces 4 operations — 1 DELETE, 1 GET, 2 POST. They span 2 resource areas: Funds Confirmation Consents, Funds Confirmations. Each is listed below with its method, path, parameters, and response codes.
Schemas 15
The contract defines 15 schemas that model the data the API accepts and returns. The most detailed are Links (5 properties), OBErrorResponse1 (4 properties), OBError1 (4 properties), OBFundsConfirmationResponse1 (3 properties). Each schema is shown below with its type and property counts.
Specification
The full machine-readable OpenAPI contract behind this narrative.
Source
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