Confirmation of Funds API Specification

UK Open Banking Confirmation of Funds API (CBPII) lets third parties query if a user account has sufficient funds — returns only yes/no, not the actual amount.

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Use it when

Privacy-friendly (no actual balance exposed, just yes/no)

Watch for

Authorization mechanism similar to AIS, requires SCA

First check

CBPII credentials → user consent → POST /open-banking/v3.1/cbpii/funds-confirmations { amount, currency } for boolean result.

Auth

—

CORS

HTTPS

Yes

Signup

Latency

1446 ms

Protocol

REST

Pricing

—

Uptime · 30-day window

Probes: 1Uptime: 100%Avg latency: 1446ms

About this API

CBPII (Confirmation of Funds) is a relatively niche but use-case-specific API in Open Banking. It solves the scenario "I need to confirm the user can afford this amount, but don't want to know exactly how much they have". Classic use: BNPL (Buy Now Pay Later — Klarna/Affirm style): at checkout merchant doesn't charge but wants to verify user has £200 in their bank — CBPII returns direct yes/no without revealing actual balance. More privacy-preserving than AIS (full account view), more flexible than PIS (actual charge). Other use cases: high-end restaurant booking deposit verification (verify without charging), rental agency credit checks, pre-renewal balance check for subscription services. Like AIS, PIS, requires CBPII-type FCA registration credentials.

What you can build

1Buy Now Pay Later (BNPL) credit decisions
2Pre-checks before large purchases / services
3Subscription renewal balance confirmation
4Rental deposit credit checks

Strengths & limitations

Strengths

Privacy-friendly (no actual balance exposed, just yes/no)
Simpler integration than AIS (no transaction listing)
Real-time decisions (millisecond response)

Limitations

Authorization mechanism similar to AIS, requires SCA
Can only check if specific amount is sufficient, not max amount available

Example request

Generic template — replace <endpoint> with the real path from the docs.

curl https://openbanking.org.uk/<endpoint>

Getting started

CBPII credentials → user consent → POST /open-banking/v3.1/cbpii/funds-confirmations { amount, currency } for boolean result.

FAQ

Can I query the max supported amount?+

No. CBPII only supports binary "is this specific amount sufficient". Max-amount queries must go through AIS.

Technical details

CORS: NoHTTPS: YesSignup: ?Open source: No

Auth type: unknown
Pricing: unknown
Protocols: REST
SDKs: python, javascript, go, java
Response time: 1446 ms
Last health check: 5/12/2026, 7:38:01 AM

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