Updated weekly · last sweep Oct 31, 2026 · next Sunday, Nov 1, 2026
8 of the 25 largest US banks block or restrict third-party AI agents in customer accounts as of 2026-10-31, among them JPMorgan, Citi, PNC, Schwab and Morgan Stanley. Across 77 banks and fintechs in 25 countries, this tracker records 117 dated relations with 15 agents and programmes: 18 blocked, 4 restricted, 4 planned or under review, 0 tolerated and 91 partnered. 3 banks block or restrict Meta's Muse by name. 16 of the 22 blocks and restrictions name log-ins with the customer's own credentials; 63 of the 91 partnerships run through agentic-payment programmes (card networks' tokens, payment protocols), where the bank stays in the authentication loop.
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largest US banks block or restrict
18
blocked
4
restricted
4
planned or under review
91
partnered
25
countries
Bank table
Where does each bank stand on outside AI agents?
77 of 77 banks
Status = the bank's strictest relation (blocked, restricted, under review, planned, then partnered). Chips link to the quote and source in the evidence table; deep links: US blocks · partnerships. A bank absent from the table has made no public statement we could find.
By agent
Which banks block or partner with each agent?
MASTERCARD · LAUNCHED APR 29, 2025
Mastercard Agent Pay
Agentic Tokens issued on a cardholder's Mastercard let a registered AI agent pay at merchants within consumer-set limits; issuing banks enrol to get visibility and control over agent-initiated transactions. Extended with Agent Pay for Machines (2026-06-10) and a Trust & Intelligence suite (Oct 2026).
Partnered with 31Banco SabadellDanske BankRogers BankmaibMoldindconbankCrédit AgricolePrivatBankNordeabunqDeutsche BankINGN26Raiffeisenbank Austria d.d.Zagrebačka bankaKTCHSBCItaú UnibancoGaranti BBVADBSUOBCIMB GroupMaybankRHB Banking GroupSantanderAxis BankRBL BankWestpac New ZealandCommonwealth BankWestpacCitiU.S. Bank
ANY VENDOR
Any third-party agent
Used when a bank's statement covers outside AI agents and assistants in general rather than one product: most logged in with credentials the customer shared, or drove a browser on the customer's behalf.
Blocked / restricted by 17ScotiabankTD Bank GroupCIBCWealthsimpleBMO Financial GroupRBCUBSMorgan StanleyFifth ThirdPNCCitiSchwabBofAJPMorganWells FargoCaixa Econômica FederalCommonwealth Bank
Partnered with 11HSBCMercuryeToroPublicDanske BankCoinbaseRobinhoodAmexPayPalBlockRamp
VISA · LAUNCHED APR 30, 2025
Visa Intelligent Commerce
Issues agent-ready tokenised Visa credentials with consumer-set spending limits so AI agents (partners incl. OpenAI, Anthropic, Perplexity, Microsoft, Stripe) can pay at merchants; issuers see agent-initiated transactions flagged on the network. Later additions: Trusted Agent Protocol (Oct 2025), Intelligent Commerce Connect (2026-04-08), OpenAI partnership (2026-06-10).
Partnered with 24BBVAINGKlarnaLloydsNatWestCaixaBankBMO Financial GroupRBCScotiabankTD Bank GroupCIBCGXSMUFGOCBCStandard CharteredTrust BankUOBWiseANZBarclaysHSBCRevolutSantanderDBS
OPENAI · LAUNCHED SEP 29, 2025
ChatGPT (Instant Checkout, apps)
Chat assistant; its Instant Checkout let US users buy from Etsy/Shopify merchants in chat paying with a card on file via Stripe Shared Payment Tokens (Agentic Commerce Protocol); no bank login. Reported retired in March 2026 in favour of merchant apps inside ChatGPT.
Partnered with 7Coop BankSynchronyGaranti BBVARobinhoodKlarnaBBVAPayPal
ANTHROPIC · LAUNCHED AUG 26, 2026
Claude
Browser extension that acts inside the user's own Chrome with their existing logged-in sessions, clicking, filling forms and completing tasks; during the 2025 pilot Anthropic blocked it from financial-services sites by default, and it uses a safety classifier and per-site permissions.
META · LAUNCHED SEP 8, 2026
Muse
Runs on a per-user cloud computer (Muse Secure VM) with its own Chromium browser and a credential store, so it can sign in to websites and act with the user's stored logins while the model never sees the password. Its Finances experience connects bank, card, investment and mortgage accounts read-only through Plaid to pull balances and transactions; it asks for confirmation before purchases.
Blocked / restricted by 4National Bank of CanadaRBCSchwabJPMorgan
Partnered with 1PayPal
BYTEDANCE · LAUNCHED DEC 1, 2025
Doubao phone assistant
Operating-system-level agent embedded by the handset maker (first ZTE Nubia M153 prototype; consumer Nubia NaviX Ultra 'Doubao phone' reported 2026-09-16) that operates other apps on the phone screen from voice commands, tapping through app UIs to book, order and pay inside them.
Blocked / restricted by 4China Merchants BankICBCAgricultural Bank of ChinaChina Construction Bank
GOOGLE · LAUNCHED SEP 16, 2025
Agent Payments Protocol (AP2)
Open protocol (extension of A2A/MCP) in which an agent carries cryptographically signed user 'mandates' to initiate card, real-time bank-transfer or stablecoin payments, so issuers, networks and merchants can verify the agent's authority; launched with 60+ partners including Mastercard, American Express, PayPal and Revolut.
SIERRA · LAUNCHED OCT 9, 2026
Poppy (Personal Agent Protocol)
A draft open standard (OAuth, JWT, MCP) for personal agents such as Meta's Muse to identify themselves to a business, obtain the customer's scoped consent and act through a sanctioned connection instead of the customer's password; banks join as design partners.
Partnered with 3BofASynchronyWells Fargo
GOOGLE · LAUNCHED NOV 18, 2025
Gemini Agent
Multi-step agent inside the Gemini app that browses the live web in a cloud environment and acts in connected Google apps (Gmail, Calendar); built on Project Mariner, it is designed to seek confirmation before purchases and the user can take over. Separate enterprise 'Gemini agent' for work launched 2026-10-09.
Partnered with 1Revolut
MICROSOFT · LAUNCHED APR 4, 2025
Copilot Actions
Completes web tasks (bookings, event tickets, purchases) on partner sites from chat prompts in the background; the Windows version (announced 2025-10-16, Insiders from 2025-11-17) runs in a separate Agent Workspace account on the PC to operate local files and apps.
Partnered with 1PayPal
OPENCLAW (OPEN SOURCE) · LAUNCHED NOV 2025
OpenClaw
Self-hosted agent runtime on the user's own machine, driven from WhatsApp/Telegram/Discord etc., with browser automation and shell access; users can have it log into their own online banking with their credentials (e.g. to download statements) with no vendor-side restriction.
Partnered with 1Revolut
PERPLEXITY · LAUNCHED JUL 9, 2025
Comet
Chromium browser whose built-in assistant operates inside the user's own tabs and logged-in sessions, so it can navigate any site the user is signed into (including bank or merchant accounts) and complete multi-step tasks and purchases.
Partnered with 1PayPal
SPEAR STREET TECHNOLOGY · LAUNCHED AUG 26, 2026
Instinct
Invite-only personal agent reached by text message, phone call or email rather than an app; users hand it passwords, credit cards and other sensitive data (reportedly including authenticator codes) and it logs into websites and apps on their behalf to book travel, buy goods, cancel subscriptions and file claims.
Blocked / restricted by 1JPMorgan
STRIPE · LAUNCHED SEP 29, 2025
Agentic Commerce Protocol
Open checkout standard co-developed with OpenAI: the agent collects the buyer's card or Link wallet and Stripe issues a Shared Payment Token scoped to one merchant and cart total, so the agent never holds raw card credentials and the merchant stays merchant of record. Followed by the Agentic Commerce Suite for merchants (2025-12-11).
Partnered with 1DBS
Map
Who blocks which agent, at a glance?
- Blocked 18
- Restricted 4
- Planned block 0
- Under review 4
- Tolerated 0
- Partnered 91
Show 91 partnerships (the full map)
Timeline
When did banks take these positions?
- 2026-10-28 · Scotiabank · Restricted · Any third-party agent · Global News ↗ quote →
- 2026-10-28 · TD Bank Group · Blocked · Any third-party agent · Global News ↗ quote →
- 2026-10-28 · CIBC · Blocked · Any third-party agent · Global News ↗ quote →
- 2026-10-28 · Coop Bank · Partnered · Anthropic Claude · Kaupr ↗ quote →
- 2026-10-28 · Coop Bank · Partnered · OpenAI ChatGPT (Instant Checkout, apps) · Kaupr ↗ quote →
- 2026-10-28 · National Bank of Canada · Under review · Meta Muse · The Globe and Mail ↗ quote →
- 2026-10-28 · Wealthsimple · Under review · Any third-party agent · The Globe and Mail ↗ quote →
- 2026-10-27 · BMO Financial Group · Blocked · Any third-party agent · Global News ↗ quote →
- 2026-10-27 · RBC · Blocked · Any third-party agent · The Globe and Mail ↗ quote →
- 2026-10-27 · RBC · Blocked · Meta Muse · Bloomberg ↗ quote →
Evidence
What did each bank say, and where?
| Bank | Agent | Relation | Since | Quote and detail | Source |
|---|---|---|---|---|---|
| JPMorgan | Meta Muse | Blocked | Oct 13, 2026 | “JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts”CNBC named Meta's Muse as an example of the outside agents JPMorgan blocks from logging in with customer credentials; the bank's own statement covers third-party agents generally (see any-third-party-agent row). Read-only via Plaid-style connectors still possible; no money movement. · scope: log-in with the customer's credentials, transactions | CNBC ↗Oct 13, 2026InvestmentNews ↗ |
| JPMorgan | Spear Street Technology Instinct | Blocked | Oct 13, 2026 | “JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts”CNBC named Instinct (Spear Street Technology's text-message personal agent) as an example of the outside agents JPMorgan blocks from logging in with customer credentials; the bank's own statement covers third-party agents generally. · scope: log-in with the customer's credentials, transactions | CNBC ↗Oct 13, 2026InvestmentNews ↗ |
| JPMorgan | Any third-party agent | Blocked | Oct 13, 2026 | “Protecting our customers is our top priority. Because it is not safe, we do not permit third parties to access accounts by obtaining customers' banking credentials and logging in on their behalf”Spokeswoman confirmed the bank blocks external AI agents from operating on behalf of retail customers: no credential login by third parties/agents, no sending money or paying bills; read-only data (e.g., balances) allowed via customer-authorized open-banking connectors such as Plaid; no timeline for direct agent access. Dimon on the Oct 13 Q3 call: 'we're not going to allow just any outside agent to come in inside the company'. The Chase Digital Services Agreement (last updated October 2026) prohibits 'External AI' from using login credentials and permits External AI only through approved APIs with customer authorization. · scope: log-in with the customer's credentials, transactions, payments | CNBC ↗Oct 13, 2026JPMorgan Chase ↗Fortune ↗CBS News ↗ |
| BofA | Any third-party agent | Restricted | Oct 14, 2026 | “"We strongly believe there should be a human in the loop to authorise money moving out of your account," Moynihan told CNBC.”Q3 call (Oct 14) and Bloomberg/CNBC interviews: BofA is limiting AI agents' access to consumer deposits and works with agent developers on protocols so a human approves money leaving an account; FT/PYMNTS characterised it as 'a condition rather than a ban'. Oct 27 customer email 'Protecting your finances in the AI World' tells customers never to share credentials with 'an AI-enabled tool or agent that offers to act on your behalf' and that they are responsible for resulting activity. Axios/American Banker count BofA among the five largest US banks blocking external agents. · scope: log-in with the customer's credentials, transactions | Retail Banker International via Yahoo Finance ↗Oct 19, 2026USA Today ↗TechCrunch ↗PYMNTS ↗ |
| BofA | Sierra Poppy (Personal Agent Protocol) | Partnered | Oct 9, 2026 | “today we're publishing a draft of Personal Agent Protocol, known as Poppy, and announcing an additional 35 design partners: Adyen, Atomic, Bank of America, BBVA, Chime, Cigna, Cloudflare, Comcast, DIRECTV, ElevenLabs, FOX, Gap Inc.”Bank of America is a named design partner on the draft Personal Agent Protocol (Poppy) from Sierra and Meta: a standard (OAuth/JWT/MCP) for personal agents such as Meta's Muse to identify themselves, obtain customer permission and act within parameters the company sets. Design-partner status, not a live integration. | Sierra ↗Oct 9, 2026 · primaryAmerican Banker ↗ |
| Citi | Any third-party agent | Blocked | Oct 16, 2026 | “Citi does not permit "third-party AI agents or assistants to log into a customer's account or transact directly within our digital banking platforms".”Citi statement first given to the Financial Times on Oct 16, repeated to USA Today Oct 23: no third-party AI agent/assistant login or direct transactions in its digital banking platforms; customers may authorize limited read-only access via certain Citi-approved open-banking providers. Citi's Naveed Anwar (Money20/20, Oct 19-20): 'no one is connecting to Citi agentically'; a know-your-agent process is needed before opening up. · scope: log-in with the customer's credentials, transactions | Retail Banker International via Yahoo Finance ↗Oct 19, 2026USA Today ↗Banking Dive ↗ |
| Citi | Mastercard Agent Pay | Partnered | Sep 10, 2025 | “Ahead of this, Citi and U.S. Bank Mastercard cardholders will be the first to have the opportunity to experience AI-enabled shopping as agentic commerce providers and enablers like PayOS and other industry players go live.”Citi Mastercard cardholders were the first US issuer base enabled for Mastercard Agent Pay (agentic tokens) ahead of the all-US rollout by the 2025 holiday season; by Sept 30, 2025 Mastercard said Citi and US Bank cardholders were already enabled. · scope: card details, payments | Mastercard (Business Wire) ↗Sep 10, 2025 · primaryMastercard ↗Finextra ↗Mastercard ↗ |
| Wells Fargo | Any third-party agent | Restricted | Sep 23, 2026 | “All transactions that an Authorized Representative or Delegate (including the transactions of their AI Agents) performs on an Eligible Account or Online Financial Service, including those you did not want or intend, are transactions authorized by you. Unless prohibited by applicable law, you are solely responsible for those transactions.”Wells Fargo has not announced a blanket ban: its spokeswoman says it has 'taken steps to block unauthorized agents' while the Online Access Agreement effective Nov 24, 2026 (announced to customers by Sept 23, 2026) adds Section 15 'AI Agents': any agent given credentials or authority is deemed to act as the customer ('deemed to have been initiated and authorized directly by you, without further verification'); customers must supervise, retain evidence of revocation and bear the risk; the bank reserves the right to require agent registration, change/limit API access methods and block or restrict any AI Agent. Note: the verifier's fetch truncates this page at 50k chars, so Section 15 itself is quoted via USA Today/American Banker. · scope: log-in with the customer's credentials, transactions | Wells Fargo ↗Sep 23, 2026 · primaryWells Fargo ↗USA Today ↗American Banker ↗ |
| Wells Fargo | Sierra Poppy (Personal Agent Protocol) | Partnered | Oct 9, 2026 | “Mutual, Mastercard, Nordstrom, Notion, Okta, OneSignal, OpenAI, PayPal, Plaid, SiriusXM, Synchrony, Target, United Airlines, Venmo, Visa, Wells Fargo, Zapier, Zendesk, and 1Password.”Wells Fargo is a named design partner on the draft Personal Agent Protocol (Poppy) from Sierra and Meta: a standard (OAuth/JWT/MCP) for personal agents such as Meta's Muse to identify themselves, obtain customer permission and act within parameters the company sets. Design-partner status, not a live integration. | Sierra ↗Oct 9, 2026 · primaryAmerican Banker ↗ |
| U.S. Bank | Mastercard Agent Pay | Partnered | Sep 10, 2025 | “Ahead of this, Citi and U.S. Bank Mastercard cardholders will be the first to have the opportunity to experience AI-enabled shopping as agentic commerce providers and enablers like PayOS and other industry players go live.”U.S. Bank Mastercard cardholders were (with Citi) the first US issuer base enabled for Mastercard Agent Pay agentic tokens ahead of the all-US rollout by the 2025 holiday season. · scope: card details, payments | Mastercard (Business Wire) ↗Sep 10, 2025 · primaryMastercard ↗Finextra ↗Mastercard ↗ |
| PNC | Any third-party agent | Blocked | Oct 19, 2026 | “"No [bank] is going to let people transact inside of accounts without a human in the loop. It's just not going to happen - and if somebody does, they'll be defrauded," he said during an appearance at the Money20/20 conference in Las Vegas.”CEO Bill Demchak at Money20/20 (Oct 19): agent-only transactions inside accounts 'will never happen' at any bank including PNC; agents may 'organize it for you' or 'give you good ideas' but banks need more friction, not less; tech companies such as Meta (Muse) would have to take on liability. Stance statement; PNC has not published a technical block notice. · scope: transactions | Banking Dive via Yahoo Finance ↗Oct 21, 2026Banking Dive ↗ |
| Schwab | Meta Muse | Blocked | Oct 16, 2026 | “We don't want someone just giving their password to Muse, and letting Muse come in and take action on that client's behalf. We can't control it, the client can't control it, something could go wrong and who's liable?”CEO Rick Wurster told Bloomberg TV Schwab is actively blocking unauthorized AI agents attempting to move clients' money, naming Meta's Muse; blocks occur 'in the tens and 20s' each week. · scope: log-in with the customer's credentials, transactions | Bloomberg Law ↗Oct 16, 2026PYMNTS ↗American Banker ↗ |
| Schwab | Any third-party agent | Restricted | Oct 15, 2026 | “And there's one way we think is not safe, and that's just an agent coming to our site and trying to log in on behalf of a client. We are not going to allow that.”CEO Rick Wurster (Q3 call Oct 15; Bloomberg TV Oct 16; IMPACT keynote Oct 28): Schwab blocks agents that use client login credentials or browser automation (blocks reported 'in the tens and 20s' a week, later '30, 40, 50 times' weekly), but allows certain LLMs/APIs to connect under Schwab-controlled authentication for trading and research; no money movement by outside agents; MCP servers planned so a client's chosen model can check balances and run research; clients steered to Schwab's own assistant Charley. · scope: log-in with the customer's credentials, browser automation, transactions | American Banker ↗Oct 15, 2026InvestmentNews ↗PYMNTS ↗ |
| Schwab | Anthropic Claude | Partnered | Sep 14, 2026 | “RIAs will access Schwab Advisor Center® (SAC.com) from Claude through an authenticated connection, bringing together the tools they use to better serve their clients.”Schwab Advisor Services is the first (and so far only) RIA custodian integrated into Anthropic's Claude for Financial Advisors: RIAs reach Schwab Advisor Center from Claude via an authenticated MCP connector; Schwab limits the connection to read-only access; aimed at the 16,000+ independent RIAs Schwab custodies (not retail clients). · scope: account data | Charles Schwab (Business Wire) ↗Sep 14, 2026 · primaryInvestmentNews ↗InvestmentNews ↗ |
| Morgan Stanley | Any third-party agent | Blocked | Oct 22, 2026 | “Morgan Stanley has begun blocking third-party agents from accessing its platforms, sources familiar with the decision said.”Axios and Reuters (Oct 22) report Morgan Stanley blocks third-party agents from its (wealth/retail) platforms; a spokesperson said it had not observed 'rogue AI agents accessing our platforms'. Separately, since June 2026 Morgan Stanley at Work has been opening its corporate stock-plan platforms (ShareWorks, Equity Edge) to corporate clients' own AI agents via MCP - a B2B channel, not retail account access. · scope: log-in with the customer's credentials, transactions | Axios ↗Oct 22, 2026Reuters via Mint ↗CNBC ↗ |
| Fifth Third | Any third-party agent | Blocked | Oct 19, 2026 | “Fifth Third doesn't currently allow AI agents to initiate transactions in customer accounts, and accountability questions need to be settled before agents carry out transactions on behalf of customers, Preston said.”CFO Bryan Preston on the Q3 call (Oct 19): no AI agents may initiate transactions in customer accounts until accountability is settled; CEO Tim Spence said the bank will build Muse-style services (subscription review, budgeting) into its own app. No statement on read-only access. · scope: transactions | Banking Dive ↗Oct 19, 2026Banking Dive ↗ |
| Amex | Any third-party agent | Partnered | Apr 14, 2026 | “Today, American Express is introducing an agentic commerce developer kit and announcing Amex Agent Purchase ProtectionTM, an industry-first commitment to extend its backing to Card Member purchases made by registered AI agents across its network.”Amex's ACE Developer Kit lets registered/verified third-party AI agents transact with tokenized Amex credentials (Agent Registration, Account Enablement, Intent Intelligence, Payment Credentials, Cart Context), with Amex Agent Purchase Protection covering Card Members for registered-agent errors; Oct 13, 2026 added the Intent Intelligence Framework (Create Intent API, Proof of Intent Token). Agents that are not registered are outside the program. · scope: card details, payments | American Express (Business Wire) ↗Apr 14, 2026 · primaryTechCrunch ↗ |
| Amex | Google Agent Payments Protocol (AP2) | Partnered | Sep 16, 2025 | “We're collaborating with a diverse group of more than 60 organizations to help shape the future of agentic payments, including Adyen, American Express, Ant International, Coinbase, Etsy, Forter, Intuit, JCB, Mastercard, Mysten Labs, Paypal, Revolut, Salesforce, ServiceNow, UnionPay International, Worldpay, and more.”AP2 launch collaborator (Luke Gebb, Amex Digital Labs quoted in Google's announcement). · scope: payments | Google Cloud ↗Sep 16, 2025 · primary |
| Synchrony | Sierra Poppy (Personal Agent Protocol) | Partnered | Oct 9, 2026 | “Inc., GEICO, Hertz, Insurify, Klaviyo, Liberty Mutual, Mastercard, Nordstrom, Notion, Okta, OneSignal, OpenAI, PayPal, Plaid, SiriusXM, Synchrony, Target, United Airlines, Venmo, Visa, Wells Fargo, Zapier, Zendesk”Synchrony is a named design partner on the draft Personal Agent Protocol (Poppy) from Sierra and Meta: a standard (OAuth/JWT/MCP) for personal agents such as Meta's Muse to identify themselves, obtain customer permission and act within parameters the company sets. Design-partner status, not a live integration. | Sierra ↗Oct 9, 2026 · primaryAmerican Banker ↗American Banker ↗ |
| Synchrony | OpenAI ChatGPT (Instant Checkout, apps) | Partnered | Aug 17, 2026 | “Synchrony's ChatGPT plugin, now available in the ChatGPT plugin directory, allows consumers to discover savings and offers within ChatGPT and browse promotional financing, deals and everyday value from participating Synchrony partners in a fast, conversational experience.”Consumer-facing Synchrony plugin in the ChatGPT plugin directory (Synchrony Marketplace offers, promotional financing) plus a collaboration to bring Synchrony financing/rewards into AI-native shopping and checkout; the enterprise ChatGPT deployment part is internal and not counted here. | Synchrony Financial ↗Aug 17, 2026 · primaryCNBC ↗ |
| Block | Any third-party agent | Partnered | Apr 25, 2025 | “You can configure your AI agent to use the Square MCP server hosted by Block as a remote server or you can set up and run the server locally for your AI agent's use.”Official Square MCP server hosted by Block (mcp.squareup.com, OAuth) giving AI agents access to the Square seller API platform; beta. · scope: account data | Square Developer (Block) ↗Apr 25, 2025 · primary |
| Brex | Anthropic Claude | Partnered | Mar 23, 2026 | “The Brex connector for Claude brings the same AI-native financial intelligence behind Brex's expense automation directly into your workspace with conversational access to your expenses, limits, cards, and policies.”Official Brex connector for Claude: conversational access to expenses, limits, cards, policies, bills, accounting records (business customers). · scope: account data | Brex ↗Mar 23, 2026 · primary |
| Coinbase | Any third-party agent | Partnered | Jun 11, 2026 | “Coinbase for Agents connects your AI apps to your Coinbase account for crypto, equities, and derivatives trading, portfolio management, and x402 payments.”Coinbase for Agents: official remote MCP server (agents.coinbase.com/mcp, OAuth, allowlisted clients incl. ChatGPT, Claude, Grok, Muse, Perplexity Computer, Codex) for trading, portfolio and x402 payments from the user's Coinbase account. · scope: transactions, payments, account data | Coinbase Developer Platform ↗Oct 9, 2026 · primaryTechCrunch ↗Fortune ↗ |
| Coinbase | Google Agent Payments Protocol (AP2) | Partnered | Sep 16, 2025 | “We're collaborating with a diverse group of more than 60 organizations to help shape the future of agentic payments, including Adyen, American Express, Ant International, Coinbase, Etsy, Forter, Intuit, JCB, Mastercard, Mysten Labs, Paypal, Revolut, Salesforce, ServiceNow, UnionPay International, Worldpay, and more.”AP2 launch collaborator; co-created the A2A x402 extension for crypto-native payments. · scope: payments | Google Cloud ↗Sep 16, 2025 · primary |
| Mercury | Any third-party agent | Partnered | Oct 8, 2026 | “Mercury MCP connects your AI tools to Mercury's public API through OAuth. Supported write actions require explicit permissions; payment and transfer requests require approval in Mercury.”Official hosted Mercury MCP server (mcp.mercury.com, OAuth): read accounts/transactions/cards; write tools (payment requests, internal transfers) require explicit scopes and approval in Mercury. Beta. · scope: account data, payments | Mercury ↗Oct 8, 2026 · primary |
| PayPal | Meta Muse | Partnered | Sep 22, 2026 | “PayPal has partnered with Meta to enable users of the technology group's new Muse personal AI agent to shop and check out across PayPal's merchant network, adding another major payments provider to the emerging agentic commerce ecosystem.”PayPal added as a checkout option in Meta's Muse agent across PayPal merchants worldwide (third rail after Link by Stripe and Shop Pay). · scope: payments | Payments Industry Intelligence ↗Sep 24, 2026 |
| PayPal | Microsoft Copilot Actions | Partnered | Jan 8, 2026 | “PayPal today announced that they are teaming up with Microsoft to support the launch of Copilot Checkout in Copilot, enabling shoppers to discover, decide, and pay-without ever leaving the Copilot experience.”PayPal powers Copilot Checkout (merchant inventory surfacing, branded/guest checkout, card payments) on Copilot.com, US. · scope: payments | PayPal ↗Jan 8, 2026 · primary |
| PayPal | OpenAI ChatGPT (Instant Checkout, apps) | Partnered | Oct 28, 2025 | “PayPal, Inc. today announced it will adopt the Agentic Commerce Protocol (ACP) to expand payments and commerce in ChatGPT. Millions of ChatGPT users will be able to check out instantly using PayPal, and PayPal will support payments processing for merchants leveraging OpenAI Instant Checkout.”PayPal wallet as a payment option in ChatGPT Instant Checkout via the Agentic Commerce Protocol; PayPal also processes payments for merchants and connects its merchant network (ACP server) in 2026. · scope: payments | PayPal ↗Oct 28, 2025 · primary |
| PayPal | Google Agent Payments Protocol (AP2) | Partnered | Sep 16, 2025 | “We're collaborating with a diverse group of more than 60 organizations to help shape the future of agentic payments, including Adyen, American Express, Ant International, Coinbase, Etsy, Forter, Intuit, JCB, Mastercard, Mysten Labs, Paypal, Revolut, Salesforce, ServiceNow, UnionPay International, Worldpay, and more.”AP2 launch collaborator. · scope: payments | Google Cloud ↗Sep 16, 2025 · primary |
| PayPal | Any third-party agent | Partnered | Jun 12, 2025 | “Leveraging this technology, PayPal developed an MCP server that enables merchants to interact with their preferred MCP clients using natural language.”Official PayPal MCP server (local and remote at mcp.paypal.com) for merchants to run invoices, orders, transactions from any MCP client (Claude, Cursor, etc.). · scope: account data, payments | PayPal Developer ↗Jun 12, 2025 · primary |
| PayPal | Perplexity Comet | Partnered | May 14, 2025 | “Perplexity today announced that it has partnered with PayPal to power agentic commerce across its Perplexity Pro platform. Starting this summer in the U.S., consumers can check out instantly with PayPal or Venmo when they ask Perplexity to find products, book travel, or buy tickets.”PayPal/Venmo power agentic checkout inside Perplexity (Pro, then free agentic shopping Nov 2025); PayPal/Venmo users got early Comet access (Sep 2025). · scope: payments | PayPal ↗May 14, 2025 · primary |
| Public | Any third-party agent | Partnered | Sep 29, 2026 | “While Robinhood is for now the only brokerage to offer nontechnical agents at scale, other fintech and crypto firms-including eToro, Public, and Coinbase-currently let their users connect their agents via MCP tools.”Fortune reports Public lets users connect their own AI agents via MCP tools (as of Sep 2026). · scope: transactions, account data | Fortune ↗Sep 29, 2026 |
| Ramp | Any third-party agent | Partnered | Mar 25, 2025 | “We built a `Ramp MCP` server that lets you interact with your business data using natural language-by turning our developer API into a SQL interface that an LLM can query.”Official Ramp MCP server (open source, later hosted at mcp.ramp.com with OAuth) exposing spend data, transactions, cards, approvals to any MCP client. · scope: account data | Ramp Engineering ↗Mar 25, 2025 · primary |
| Robinhood | OpenAI ChatGPT (Instant Checkout, apps) | Partnered | May 27, 2026 | “Robinhood has launched Agentic Trading, a new beta feature that lets AI agents from ChatGPT, Claude, and other platforms analyze portfolios and execute trades through dedicated brokerage accounts.”Robinhood Agentic Trading: customers connect ChatGPT (and other MCP clients) to a dedicated agentic brokerage account via Robinhood's official MCP server (agent.robinhood.com); primary account stays view-only; Robinhood Agents (Sep 2026) also use OpenAI models. · scope: transactions, account data | Blockster ↗May 27, 2026Fortune ↗ |
| Robinhood | Any third-party agent | Partnered | May 27, 2026 | “Users can bring AI agents from any platform and plug them into Robinhood via its Model Context Protocol (MCP) servers.”Robinhood launched Agentic Trading and an Agentic Credit Card (May 27, 2026): customers connect any third-party agent via Robinhood MCP servers to trade stocks in a dedicated agentic account and spend on a dedicated virtual Robinhood Gold card with a user-set spending limit, optional manual approvals and no access to the primary card number; 'bring your own agent' model cited by American Banker as the counter-example to bank blocks. · scope: transactions, payments, card details | Axios ↗May 27, 2026Fortune ↗PYMNTS ↗ |
| Robinhood | Anthropic Claude | Partnered | May 27, 2026 | “Robinhood has launched Agentic Trading, a new beta feature that lets AI agents from ChatGPT, Claude, and other platforms analyze portfolios and execute trades through dedicated brokerage accounts.”Claude (and Claude Code) connect to Robinhood's dedicated agentic trading account through Robinhood's official MCP server; Robinhood Agents also offer Anthropic models. · scope: transactions, account data | Blockster ↗May 27, 2026Fortune ↗ |
| BMO Financial Group | Any third-party agent | Blocked | Oct 27, 2026 | ““To protect our clients, BMO does not permit AI agents to access our digital properties or execute transactions,” a BMO spokesperson said in a statement.”BMO told Global News on Tue 27 Oct 2026 it does not permit AI agents to access its digital properties or execute transactions; Globe and Mail reports the decision was taken the week of 19–23 Oct. Preceded by CEO Darryl White's 21 Oct warning ('Don't give your banking username and password... to any agent'). Clients told not to share passwords, PINs or verification codes 'through unauthorized channels, including AI agents'. · scope: log-in with the customer's credentials, browser automation, transactions | Global News ↗Oct 28, 2026The Globe and Mail ↗CBC News ↗ |
| BMO Financial Group | Visa Intelligent Commerce | Partnered | May 5, 2026 | “Early issuing partners participating in the Canadian program include BMO, CIBC, RBC, Scotiabank, and TD.”Early issuing partner in Visa Agentic Ready Canada (controlled tests of agent-initiated card payments). · scope: payments, card details | Visa Canada (GlobeNewswire) ↗May 5, 2026 · primaryVisa (GlobeNewswire via Financial Post) ↗ |
| RBC | Meta Muse | Blocked | Oct 27, 2026 | “Royal Bank of Canada is blocking third-party artificial intelligence agents such as Meta Platform Inc.’s Muse from accessing its banking systems, citing “unacceptable customer risk.””Muse is the named example in RBC's block of third-party personal AI agents (memo of 27 Oct 2026). Earlier, on 20 Oct 2026, CEO Dave McKay told Bloomberg TV RBC was considering blocking Muse ('It’s something I’m thinking about, absolutely') — the under-review phase preceding the block. · scope: log-in with the customer's credentials, browser automation, transactions | Bloomberg ↗Oct 27, 2026Financial Post (Bloomberg News) ↗Insurance Journal (Bloomberg) ↗ |
| RBC | Any third-party agent | Blocked | Oct 27, 2026 | “Royal Bank of Canada is blocking third-party personal artificial intelligence agents from directly accessing the bank’s digital properties, including online banking, joining a growing number of banks restricting agents’ access to customer data.”Internal memo to all employees on Tue 27 Oct 2026 (heads of technology/operations and personal banking) after a 'full security review': third-party personal AI agents blocked from direct access to authenticated RBC digital properties incl. online banking; blocking work to begin immediately. CEO Dave McKay had said on 20 Oct he was 'thinking about' blocking Muse. Confirmed publicly by spokesperson Jeff Lanthier on 28 Oct. · scope: log-in with the customer's credentials, browser automation, transactions | The Globe and Mail ↗Oct 27, 2026Global News ↗The Canadian Press via BNN Bloomberg ↗ |
| RBC | Visa Intelligent Commerce | Partnered | May 5, 2026 | “Early issuing partners participating in the Canadian program include BMO, CIBC, RBC, Scotiabank, and TD.”Early issuing partner in Visa Agentic Ready Canada: testing agent-initiated card payments (tokenization, authentication, authorization) in controlled live environments. Note the tension with RBC's Oct 2026 block of third-party agents logging into online banking — the Visa path is card-network-mediated, not credential login. · scope: payments, card details | Visa Canada (GlobeNewswire) ↗May 5, 2026 · primaryVisa (GlobeNewswire via Financial Post) ↗ |
| Scotiabank | Any third-party agent | Restricted | Oct 28, 2026 | ““To protect our clients and their financial information, Scotiabank will limit third-party AI agents from accessing its banking platforms as we closely monitor evolving concerns,” a spokesperson for Scotiabank said in a statement.”Scotiabank chose 'limit' rather than 'block': will restrict third-party AI agents' access to its banking platforms while monitoring concerns; scope of the limits not specified. · scope: log-in with the customer's credentials, account data | Global News ↗Oct 28, 2026CBC News ↗ |
| Scotiabank | Visa Intelligent Commerce | Partnered | May 5, 2026 | “Early issuing partners participating in the Canadian program include BMO, CIBC, RBC, Scotiabank, and TD.”Early issuing partner in Visa Agentic Ready Canada (controlled tests of agent-initiated card payments). · scope: payments, card details | Visa Canada (GlobeNewswire) ↗May 5, 2026 · primaryVisa (GlobeNewswire via Financial Post) ↗ |
| TD Bank Group | Any third-party agent | Blocked | Oct 28, 2026 | ““TD has made the decision to block all third-party personal AI agents from direct access to banking information, where authentication is required, while we ensure the appropriate safeguards, authorization mechanisms and oversight are in place,” a spokesperson for TD said Wednesday in a statement.”Statement of Wed 28 Oct 2026: all third-party personal AI agents blocked from direct access to authenticated banking information pending safeguards/authorization mechanisms; clients told never to share TD log-in credentials, passwords, PINs or one-time passcodes with an AI agent. Framed as temporary ('while we ensure...'). · scope: log-in with the customer's credentials, browser automation, account data | Global News ↗Oct 28, 2026CBC News ↗ |
| TD Bank Group | Visa Intelligent Commerce | Partnered | May 5, 2026 | “Early issuing partners participating in the Canadian program include BMO, CIBC, RBC, Scotiabank, and TD.”Early issuing partner in Visa Agentic Ready Canada (controlled tests of agent-initiated card payments). · scope: payments, card details | Visa Canada (GlobeNewswire) ↗May 5, 2026 · primaryVisa (GlobeNewswire via Financial Post) ↗ |
| CIBC · not profiled | Any third-party agent | Blocked | Oct 28, 2026 | ““We do not support personal AI agents directly opening or accessing accounts. Clients should not share their banking credentials with an AI agent and should carefully consider what personal or financial information they provide to any AI service.””CIBC statement of 28 Oct 2026: does not support personal AI agents directly opening or accessing accounts; clients should not share banking credentials with an AI agent. Wording is 'do not support' rather than an explicit technical block; CBC/CP headlines group CIBC with the blocking banks. CIBC says it supports innovation 'through secure, appropriately designed channels'. · scope: log-in with the customer's credentials, account data | Global News ↗Oct 28, 2026CBC News ↗ |
| CIBC · not profiled | Visa Intelligent Commerce | Partnered | May 5, 2026 | “Early issuing partners participating in the Canadian program include BMO, CIBC, RBC, Scotiabank, and TD.”Early issuing partner in Visa Agentic Ready Canada (controlled tests of agent-initiated card payments). · scope: payments, card details | Visa Canada (GlobeNewswire) ↗May 5, 2026 · primaryVisa (GlobeNewswire via Financial Post) ↗ |
| National Bank of Canada · not profiled | Meta Muse | Under review | Oct 28, 2026 | “National Bank of Canada NA-T said Wednesday it is closely monitoring the development of consumer-facing AI agents, including Muse, and assessing the opportunities and associated risks the technology may pose to clients.”National Bank has not blocked: it is monitoring consumer AI agents including Muse and assessing opportunities and risks ('Our first duty is to preserve trust and protect our clients’ personal information'). | The Globe and Mail ↗Oct 28, 2026The Globe and Mail ↗ |
| Rogers Bank · not profiled | Mastercard Agent Pay | Partnered | Sep 21, 2026 | “Mastercard, Flybits and Rogers Bank today announced Canada's first successful deployment of a landmark agentic commerce transaction involving an AI-powered commerce platform, card issuer and payments network, demonstrating how AI-powered shopping experiences can prioritize consumer control, transparency and security.”Canada's first Agent Pay transaction: Flybits-powered agent bought a product on instructions from a Rogers Red credit card cardholder. · scope: payments, card details | Finextra (press release) ↗Sep 22, 2026 · primary |
| Wealthsimple · not profiled | Any third-party agent | Under review | Oct 28, 2026 | ““We’re taking a different approach and figuring out how clients can securely use agents for their finances,” Wealthsimple spokesperson Sheryl So wrote in an e-mail.”Canadian fintech positions itself against the big-bank blocks: working out how clients can securely use AI agents (no block announced, no integration announced yet). | The Globe and Mail ↗Oct 28, 2026 |
| Barclays | Visa Intelligent Commerce | Partnered | Mar 17, 2026 | “engaging in the Visa Agentic Ready programme include Alpha Bank, Banca Transilvania, Bank Leumi, Bank of Cyprus, Bank of Valletta, Barclays, CAL, Commerzbank, Cornèrcard, DZ Bank”Early issuing partner in Visa Agentic Ready Europe; by July 2026 Barclays had completed live agent-executed transactions at participating merchants authenticated with Visa Payment Passkeys. · scope: payments, card details | Visa ↗Mar 17, 2026 · primaryVisa ↗Visa Europe ↗ |
| HSBC | Any third-party agent | Partnered | Oct 20, 2026 | “AI access is supported through HSBC's Model Context Protocol, which enables clients' own AI tools to query authorized account and transaction information, helping human workers find and interpret banking data.”HSBCnio (corporate/institutional digital banking): HSBC-run MCP server lets business clients' own AI agents query authorised account and transaction data (read access); an advanced digital assistant for corporate clients planned. Corporate-only — not retail online banking. · scope: account data | American Banker ↗Oct 20, 2026 |
| HSBC | Mastercard Agent Pay | Partnered | Mar 27, 2026 | “This transaction — conducted with HSBC, DBS Hong Kong — demonstrates how AI can help consumers complete everyday tasks securely and seamlessly, from transportation to lifestyle services.”HSBC (Hong Kong) card used in Mastercard's first live authenticated Agent Pay transaction in Hong Kong (hoppa airport ride booked by CardInfoLink's AI agent; tokenised credentials + Payment Passkeys). · scope: payments, card details | Mastercard Asia Pacific ↗Mar 27, 2026 · primaryMastercard ↗ |
| HSBC | Visa Intelligent Commerce | Partnered | Mar 17, 2026 | “Bank of Valletta, Barclays, CAL, Commerzbank, Cornèrcard, DZ Bank, Erste Bank Oesterreich as part of Erste Group, Eurobank Limited, HSBC UK, MAX, Millennium BCP, Nationwide Building Society, Nexi Group, Piraeus Bank”HSBC UK early issuing partner in Visa Agentic Ready Europe; HSBC UK card used in a live end-to-end agentic transaction (Jul 2026); HSBC Singapore in Visa Agentic Ready Singapore. · scope: payments, card details | Visa ↗Mar 17, 2026 · primaryVisa ↗Finance Chief ↗Visa (PR Newswire) ↗ |
| Lloyds | Visa Intelligent Commerce | Partnered | Jul 2, 2026 | “Abanca, Alpha Bank, Bankinter, Barclays, BBVA, CaixaBank, Ceska Sporitelna, comdirect, Commerzbank, Cornèrcard, Bank of Cyprus, Deutsche Kreditbank, HSBC UK, ING, Klarna, Lloyds Banking Group, mBank, Nationwide Building Society, NatWest, Nexi Group, Nordea Bank, OP Cooperative, Piraeus Bank, PKO Bank Polski, Revolut, S-Payment, Swisscard, Tatra banka, Banca Transilvania, Vanquis Bank, Viseca.”Issuing bank that completed live, agent-executed purchases at participating merchants (lastminute.com, Frasers, Cleverbridge, BrickDepot) under Visa Agentic Ready in Europe, authenticated with Visa Payment Passkeys (SCA-compliant); announced at Visa Payments Forum, Paris, 2 Jul 2026. · scope: payments, card details | Visa Europe ↗Jul 2, 2026 · primaryVisa ↗ |
| NatWest | Visa Intelligent Commerce | Partnered | Jul 2, 2026 | “Abanca, Alpha Bank, Bankinter, Barclays, BBVA, CaixaBank, Ceska Sporitelna, comdirect, Commerzbank, Cornèrcard, Bank of Cyprus, Deutsche Kreditbank, HSBC UK, ING, Klarna, Lloyds Banking Group, mBank, Nationwide Building Society, NatWest, Nexi Group, Nordea Bank, OP Cooperative, Piraeus Bank, PKO Bank Polski, Revolut, S-Payment, Swisscard, Tatra banka, Banca Transilvania, Vanquis Bank, Viseca.”Issuing bank that completed live, agent-executed purchases at participating merchants (lastminute.com, Frasers, Cleverbridge, BrickDepot) under Visa Agentic Ready in Europe, authenticated with Visa Payment Passkeys (SCA-compliant); announced at Visa Payments Forum, Paris, 2 Jul 2026. · scope: payments, card details | Visa Europe ↗Jul 2, 2026 · primaryVisa ↗ |
| Standard Chartered | Visa Intelligent Commerce | Partnered | Apr 30, 2026 | “These partners include Bank of China Singapore, CIMB Singapore, DBS Bank, DCS, GXS Bank, HSBC Singapore, Maybank Singapore, OCBC, Standard Chartered, StraitsX, Trust Bank, UQPay and UOB, with additional partners expected to join this year as the programme expands.”Issuer in Visa Agentic Ready Singapore (13 issuers, launched 30 Apr 2026): structured testing of agent-initiated payments in a controlled production-grade environment under Visa Intelligent Commerce. · scope: payments, card details | Visa (PR Newswire via HK Business Wire) ↗Apr 30, 2026 · primaryVisa (PR Newswire) ↗Visa (PR Newswire) ↗ |
| Revolut | OpenClaw (open source) OpenClaw | Partnered | Jun 26, 2026 | “Supported assistants include Claude, Gemini, OpenClaw, and Cursor, with users on other platforms able to link accounts through a universal skill or a command-line interface published on GitHub, according to the company.”Revolut X crypto exchange lists OpenClaw among supported AI assistants (analysis, alerts, order placement with user approval). Notable contrast with Chinese state-bank curbs on OpenClaw (Mar 2026). · scope: payments | The Block ↗Jul 10, 2026Revolut ↗ |
| Revolut | Google Gemini Agent | Partnered | Jun 26, 2026 | “Supported assistants include Claude, Gemini, OpenClaw, and Cursor, with users on other platforms able to link accounts through a universal skill or a command-line interface published on GitHub, according to the company.”Revolut X crypto exchange connects to Gemini (Google) as a supported AI assistant for analysis, alerts and order placement with user approval of every order; Revolut does not endorse or guarantee the third-party tools. · scope: payments | The Block ↗Jul 10, 2026Revolut ↗ |
| Revolut | Anthropic Claude | Partnered | Jun 26, 2026 | “Supported assistants include Claude, Gemini, OpenClaw, and Cursor, with users on other platforms able to link accounts through a universal skill or a command-line interface published on GitHub, according to the company.”Revolut X (standalone crypto exchange, UK/EEA) officially connects to third-party AI assistants incl. Claude via API/MCP-style connector: portfolio analysis, alerts, placing market/limit orders; user must review and approve every order; Revolut disclaims liability and does not endorse the third-party tools. Revolut blog post 26 Jun 2026; assistants named by The Block 10 Jul 2026. · scope: payments | The Block ↗Jul 10, 2026Revolut ↗ |
| Revolut | Visa Intelligent Commerce | Partnered | Mar 17, 2026 | “Eurobank Limited, HSBC UK, MAX, Millennium BCP, Nationwide Building Society, Nexi Group, Piraeus Bank, Raiffeisen Bank International, Revolut”Early issuing partner in Visa Agentic Ready Europe; completed live agent-executed transactions by Jul 2026 and its first agentic payment in France (Cleverbridge) with Visa passkeys, Sep 2026. · scope: payments, card details | Visa ↗Mar 17, 2026 · primaryVisa ↗Payment Expert ↗Visa Europe ↗ |
| Revolut | Google Agent Payments Protocol (AP2) | Partnered | Sep 16, 2025 | “We're collaborating with a diverse group of more than 60 organizations to help shape the future of agentic payments, including Adyen, American Express, Ant International, Coinbase, Etsy, Forter, Intuit, JCB, Mastercard, Mysten Labs, Paypal, Revolut, Salesforce, ServiceNow, UnionPay International, Worldpay, and more.”AP2 launch collaborator; Revolut Pay became one of the first EU payment methods compatible with AP2 (Jan 2026). · scope: payments | Google Cloud ↗Sep 16, 2025 · primaryRevolut ↗ |
| Wise | Visa Intelligent Commerce | Partnered | Apr 30, 2026 | “TMBThanachart Bank (ttb), Trust Bank Singapore, Union Bank of Taiwan, UQPAY, UOB, Vietnam Prosperity Joint Stock Commercial Bank (VPBank), Wise, ZA Bank, and Zip Co, with additional partners expected to join this year.”Early issuing partner in Visa Agentic Ready Asia Pacific (launched 30 Apr 2026 across AU, HK, JP, MY, NZ, SG, KR, TW, TH, VN): controlled production-grade tests of agent-initiated card payments. · scope: payments, card details | Visa (PR Newswire) ↗Apr 30, 2026 · primary |
| BBVA | Visa Intelligent Commerce | Partnered | Jul 2, 2026 | “BBVA has completed a transaction initiated by an artificial intelligence agent on behalf of a cardholder, as part of a live agentic commerce activity that Visa is developing in Europe under its Visa Agentic Ready programme.”Live agent-initiated purchase with real card credentials at an active merchant via Visa Intelligent Commerce, authenticated with Visa Payment Passkeys (SCA). Unveiled alongside Visa's 2 Jul 2026 Paris announcement listing BBVA among issuers; BBVA says use cases will expand 'within defined permissions and controls'. · scope: payments, card details | BBVA ↗Jul 2, 2026 · primaryVisa Europe ↗Visa ↗ |
| BBVA | OpenAI ChatGPT (Instant Checkout, apps) | Partnered | Feb 24, 2026 | “BBVA is making its conversational application available to ChatGPT users, allowing them to directly access information about the bank’s products and services in Italy and Germany right from the assistant.”BBVA app inside ChatGPT for users located in Italy and Germany (digital banks): informational queries on accounts, cards, savings with links to products — no account access or transactions. Concept demoed 3 Dec 2025 in Milan; part of the BBVA–OpenAI strategic collaboration. Extended to Türkiye by Garanti BBVA (Jul/Aug 2026). | BBVA ↗Feb 24, 2026 · primaryBBVA ↗ |
| Deutsche Bank | Mastercard Agent Pay | Partnered | Jun 2, 2026 | “Bank of Cyprus, Bank PEKAO S.A., BCR (Romanian Commercial Bank), Bunq, Carrefour Banque, Cembra, Cornèrcard, ČSOB Czechia, ČSOB Slovakia, Deutsche Bank, DZ Bank, Erste Bank Österreich, Eurobank Limited, Eurobank Greece, Isracard”Listed by Mastercard (2 Jun 2026) among European banks that publicly completed controlled, live Agent Pay transactions on Priceless.com using passkeys for authentication, with payOS orchestrating; all European Mastercard issuers are network-enabled for Agent Pay. · scope: payments, card details | Mastercard Europe ↗Jun 2, 2026 · primary |
| ING | Visa Intelligent Commerce | Partnered | Jul 2, 2026 | “Abanca, Alpha Bank, Bankinter, Barclays, BBVA, CaixaBank, Ceska Sporitelna, comdirect, Commerzbank, Cornèrcard, Bank of Cyprus, Deutsche Kreditbank, HSBC UK, ING, Klarna, Lloyds Banking Group, mBank, Nationwide Building Society, NatWest, Nexi Group, Nordea Bank, OP Cooperative, Piraeus Bank, PKO Bank Polski, Revolut, S-Payment, Swisscard, Tatra banka, Banca Transilvania, Vanquis Bank, Viseca.”Issuing bank that completed live, agent-executed purchases at participating merchants (lastminute.com, Frasers, Cleverbridge, BrickDepot) under Visa Agentic Ready in Europe, authenticated with Visa Payment Passkeys (SCA-compliant); announced at Visa Payments Forum, Paris, 2 Jul 2026. · scope: payments, card details | Visa Europe ↗Jul 2, 2026 · primaryVisa ↗ |
| ING | Mastercard Agent Pay | Partnered | Jun 2, 2026 | “Completed between an ING cardholder and a merchant in the Netherlands, the solution operates on the same underlying infrastructure across Belgium and runs across Mastercard network - leveraging their respective secure authentication and authorisation mechanisms.”Europe's first end-to-end agentic payment in production (Money20/20, 2 Jun 2026): merchant AI agent purchase for an ING cardholder in NL, ING authorising as issuer with explicit consumer approval; Worldline processing. ING: 'making agentic commerce a great experience for all our customers, both private and business'. · scope: payments, card details | Mastercard Europe ↗Jun 2, 2026 · primaryMastercard ↗ |
| Santander | Visa Intelligent Commerce | Partnered | Mar 12, 2026 | “This milestone, conducted across five markets in the region (Argentina, Brazil, Chile, Mexico and Uruguay) was powered by Visa Intelligent Commerce (VIC), demonstrating a breakthrough in how consumers can securely delegate shopping tasks to trusted AI agents.”Controlled pilot of agentic commerce transactions in five LatAm markets (books in AR/CL/MX/UY, chocolates in BR) powered by Visa Intelligent Commerce; strategic collaboration announced Madrid/Miami 12 Mar 2026. · scope: payments, card details | Banco Santander ↗Mar 12, 2026 · primaryBanco Santander ↗ |
| Santander | Mastercard Agent Pay | Partnered | Mar 2, 2026 | “Santander carried out the transaction in a controlled environment using Mastercard Agent Pay.”Europe's first live end-to-end payment executed by an AI agent within a regulated banking framework, processed through Santander's live payments infrastructure with Mastercard Agent Pay; agents act 'within predefined limits and permissions'; bank moving to extended testing and scaling. Santander also listed among LatAm issuers in Mastercard's 30 Mar 2026 regional pilots. · scope: payments, card details | Banco Santander ↗Mar 2, 2026 · primaryFinTech Global ↗Mastercard ↗ |
| UBS | Any third-party agent | Blocked | Oct 27, 2026 | “ZURICH, Oct 27 : Swiss bank UBS will not allow the use of external AI models to execute actions on behalf of clients, CEO Sergio Ermotti said on Tuesday.”CEO Sergio Ermotti at SCION Day 2026 (ETH Zurich), 27 Oct 2026: 'We are not allowing models to enter into the bank and do that' — referring to external AI agents managing client accounts and shifting/optimising deposits; no external AI models may execute actions on behalf of clients. · scope: log-in with the customer's credentials, transactions | Reuters via CNA ↗Oct 27, 2026 |
| bunq | Mastercard Agent Pay | Partnered | Jun 2, 2026 | “ABANCA, Alpha Bank Cyprus, Banco Santander, Bank Hapoalim, Bank of Cyprus, Bank PEKAO S.A., BCR (Romanian Commercial Bank), Bunq, Carrefour Banque, Cembra, Cornèrcard, ČSOB Czechia, ČSOB Slovakia”Listed by Mastercard (2 Jun 2026) among European banks that publicly completed controlled, live Agent Pay transactions on Priceless.com using passkeys for authentication, with payOS orchestrating; all European Mastercard issuers are network-enabled for Agent Pay. · scope: payments, card details | Mastercard Europe ↗Jun 2, 2026 · primary |
| Klarna | Visa Intelligent Commerce | Partnered | Jul 2, 2026 | “Abanca, Alpha Bank, Bankinter, Barclays, BBVA, CaixaBank, Ceska Sporitelna, comdirect, Commerzbank, Cornèrcard, Bank of Cyprus, Deutsche Kreditbank, HSBC UK, ING, Klarna, Lloyds Banking Group, mBank, Nationwide Building Society, NatWest, Nexi Group, Nordea Bank, OP Cooperative, Piraeus Bank, PKO Bank Polski, Revolut, S-Payment, Swisscard, Tatra banka, Banca Transilvania, Vanquis Bank, Viseca.”Issuing bank that completed live, agent-executed purchases at participating merchants (lastminute.com, Frasers, Cleverbridge, BrickDepot) under Visa Agentic Ready in Europe, authenticated with Visa Payment Passkeys (SCA-compliant); announced at Visa Payments Forum, Paris, 2 Jul 2026. · scope: payments, card details | Visa Europe ↗Jul 2, 2026 · primaryVisa ↗ |
| Klarna | OpenAI ChatGPT (Instant Checkout, apps) | Partnered | May 20, 2026 | “Klarna, the global digital bank and flexible payments provider, today launched the Klarna Shopping Search app in ChatGPT, bringing real-time product discovery directly into the conversation.”Klarna Shopping Search app inside ChatGPT, powered by Klarna's Product Search MCP server (100M+ products, 13 markets); discovery only — users are redirected to the merchant site to pay. | Klarna ↗May 20, 2026 · primaryKlarna ↗ |
| N26 | Mastercard Agent Pay | Partnered | Jun 2, 2026 | “ČSOB Czechia, ČSOB Slovakia, Deutsche Bank, DZ Bank, Erste Bank Österreich, Eurobank Limited, Eurobank Greece, Isracard, KBC, mBank, N26, National Bank of Greece, Nickel, NLB, OTP Bank”Listed by Mastercard (2 Jun 2026) among European banks that publicly completed controlled, live Agent Pay transactions on Priceless.com using passkeys for authentication, with payOS orchestrating; all European Mastercard issuers are network-enabled for Agent Pay. · scope: payments, card details | Mastercard Europe ↗Jun 2, 2026 · primary |
| Banco Sabadell · not profiled | Mastercard Agent Pay | Partnered | Oct 8, 2026 | “Banc Sabadell ha completat amb èxit el seu primer pagament agèntic real d'extrem a extrem”First real end-to-end agentic payment with a Sabadell card inside Mastercard's Priceless platform via Agent Pay (tokenisation, passkeys, biometrics; PayOS orchestration). · scope: payments, card details | Banc Sabadell ↗Oct 8, 2026 · primary |
| CaixaBank · not profiled | Visa Intelligent Commerce | Partnered | Jul 2, 2026 | “CaixaBank, in collaboration with Visa, has completed its first transaction initiated by an artificial intelligence agent on behalf of a cardholder, as part of the new agentic commerce experiences beginning to emerge in Europe.”First CaixaBank card transaction initiated by an AI agent on behalf of a cardholder using Visa Intelligent Commerce / Agentic Ready, real card data and standard merchant systems. · scope: payments, card details | CaixaBank ↗Jul 2, 2026 · primary |
| Coop Bank · not profiled | OpenAI ChatGPT (Instant Checkout, apps) | Partnered | Oct 28, 2026 | “Customers can connect their account to ChatGPT or Claude and ask questions about their own investments, such as how much dividend they have received this year, or set a price alert.”First Danish bank to offer investment customers an MCP connection (per COO Kristian Mikkelsen on LinkedIn): read-only questions and price alerts; no trading or money movement through the connection; customer can revoke at any time. · scope: account data | Kaupr ↗Oct 28, 2026 |
| Coop Bank · not profiled | Anthropic Claude | Partnered | Oct 28, 2026 | “Customers can connect their account to ChatGPT or Claude and ask questions about their own investments, such as how much dividend they have received this year, or set a price alert.”MCP connection for investment customers usable from Claude: read-only investment questions and alerts; no trading or money movement. · scope: account data | Kaupr ↗Oct 28, 2026 |
| Crédit Agricole · not profiled | Mastercard Agent Pay | Partnered | Jul 1, 2026 | “Crédit Agricole, Mastercard and Worldline have now completed France’s first production agentic payment transaction, demonstrating how artificial intelligence can be integrated into existing banking and payment infrastructure without compromising security or customer control.”France's first production agentic payment: Crédit Agricole customer buying festival tickets (Weezevent) via an AI agent using Mastercard Agent Pay, Worldline processing. · scope: payments, card details | Peachwire / Payments Industry Intelligence ↗Jul 1, 2026Peachwire ↗ |
| Danske Bank · not profiled | Mastercard Agent Pay | Partnered | Sep 21, 2026 | “On September 21, 2026, Danske Bank and Mastercard announced that an AI agent had completed a purchase and payment on a consumer's behalf for the first time in Denmark.”Denmark's first agentic payment on live card rails (Priceless.com coffee tasting) using Mastercard Agent Pay and Payment Passkeys; PayOS orchestration; announced at Nordic Fintech Week. · scope: payments, card details | A2A Wire ↗Sep 21, 2026Payments Industry Intelligence ↗ |
| Danske Bank · not profiled | Any third-party agent | Partnered | Sep 16, 2026 | “Now, the bank announces the pilot launch of its Model Context Protocol (MCP) Server, giving corporate customers the control to connect their AI agents directly to the bank's Premium APIs, so they can access and act on their own financial data within whatever agentic AI tool they already use.”Pilot MCP server letting selected corporate customers connect their own AI agents (e.g. ChatGPT, Claude) to Danske's Premium APIs to read and act on their financial data. · scope: account data | Banking 4.0 ↗Sep 16, 2026 |
| Garanti BBVA · not profiled | OpenAI ChatGPT (Instant Checkout, apps) | Partnered | Jul 28, 2026 | “Garanti BBVA has launched a dedicated ChatGPT banking app in Türkiye, allowing users to access real-time information on loans, credit cards, and investment products directly within the AI interface.”Garanti BBVA app in the ChatGPT app library (@GarantiBBVA): product information only, following BBVA's Italy/Germany launch; press release dated 28 Jul 2026. | FF News ↗Aug 3, 2026 |
| Garanti BBVA · not profiled | Mastercard Agent Pay | Partnered | Mar 9, 2026 | “Garanti BBVA, Türkiye's leading bank in digital innovation, is introducing a groundbreaking AI-powered shopping assistant in collaboration with Mastercard. Leveraging Mastercard's global technology, this next-generation solution will soon be available through Garanti BBVA Mobil and Bonus Flaş, enabling consumers to search, compare, and securely purchase products-all within a single platform.”Garanti BBVA (BBVA group) and Mastercard demonstrated Türkiye's first end-to-end agentic commerce transaction; AI shopping assistant to launch in Garanti BBVA Mobil and Bonus Flaş (announced, launch pending at source date). · scope: payments, card details | TechAfrica News (Mastercard press release) ↗Mar 9, 2026 · primary |
| maib · not profiled | Mastercard Agent Pay | Partnered | Jul 8, 2026 | “We are proud to launch the first agentic transactions in Moldova together with maib and Moldindconbank, bringing AI innovation to the country.”Moldova's first agentic transactions (pilot) with maib and Moldindconbank via Mastercard Agent Pay. · scope: payments, card details | Mastercard ↗Jul 8, 2026 · primary |
| Moldindconbank · not profiled | Mastercard Agent Pay | Partnered | Jul 8, 2026 | “We are proud to launch the first agentic transactions in Moldova together with maib and Moldindconbank, bringing AI innovation to the country.”Moldova's first agentic transactions (pilot) with maib and Moldindconbank via Mastercard Agent Pay. · scope: payments, card details | Mastercard ↗Jul 8, 2026 · primary |
| Nordea · not profiled | Mastercard Agent Pay | Partnered | Jun 5, 2026 | “The agent purchased a coffee tasting package on Priceless.com, and the payment was successfully charged to a Nordea Mastercard.”Finland's first live AI-agent purchase and payment, powered by Mastercard Agent Pay with agentic tokens; PayOS orchestration. Nordea also listed as a Visa Agentic Ready issuer (2 Jul 2026). · scope: payments, card details | Nordea ↗Jun 5, 2026 · primary |
| PrivatBank · not profiled | Mastercard Agent Pay | Partnered | Jun 23, 2026 | “Mastercard and PrivatBank have completed Ukraine's first agentic transaction, through Mastercard Agent Pay.”Ukraine's first agentic transaction through Mastercard Agent Pay. · scope: payments, card details | Mastercard ↗Jun 23, 2026 · primary |
| Raiffeisenbank Austria d.d. · not profiled | Mastercard Agent Pay | Partnered | May 13, 2026 | “Mastercard has announced the completion of the first real, authenticated agent transactions with Raiffeisen Bank and Zagrebačka Bank, demonstrating how AI-driven commerce can be realized in a secure and responsible manner.”Croatia's first real authenticated Agent Pay transactions (purchase of experiences) with RBA and Zagrebačka banka; Payment Passkeys for confirmation. · scope: payments, card details | Lider ↗May 13, 2026 |
| Zagrebačka banka · not profiled | Mastercard Agent Pay | Partnered | May 13, 2026 | “Mastercard has announced the completion of the first real, authenticated agent transactions with Raiffeisen Bank and Zagrebačka Bank, demonstrating how AI-driven commerce can be realized in a secure and responsible manner.”Croatia's first real authenticated Agent Pay transactions with RBA and Zagrebačka banka. · scope: payments, card details | Lider ↗May 13, 2026 |
| Commonwealth Bank | Any third-party agent | Under review | Dec 1, 2025 | “While we may not be responsible for these external agents or systems, where we identify material risk, we may seek to implement limitations or controls to help protect our customers, channels and platforms.”CBA's AI approach document (dated December 2025) anticipates customers interacting through 'external agents or systems outside our control' and reserves the right to impose 'limitations or controls' where it identifies material risk — a stated option, not an announced block. | Commonwealth Bank of Australia ↗Dec 1, 2025 · primary |
| Commonwealth Bank | Mastercard Agent Pay | Partnered | Jan 27, 2026 | “Mastercard has completed its first agentic payment transactions in Australia on cards issued by CommBank and Westpac.”Australia's first Agent Pay transactions used a CommBank-issued debit card to buy cinema tickets (Event Cinemas), fully authorised with cardholder consent. · scope: payments, card details | Finextra ↗Jan 28, 2026Mastercard Asia Pacific ↗ |
| DBS | Stripe Agentic Commerce Protocol | Partnered | Aug 27, 2026 | “DBS and Stripe have announced a strategic partnership to accelerate the growth of agentic commerce and cross-border payments in Asia. By combining DBS' banking capabilities and pan-Asian connectivity with Stripe's global programmable financial services, both institutions aim to help businesses collect, move and manage funds more seamlessly across markets.”Strategic partnership to grow agentic commerce and cross-border payments in Asia; to explore jointly developing agentic AI capabilities for DBS customers. · scope: payments | Finextra (press release) ↗Sep 1, 2026 · primary |
| DBS | Mastercard Agent Pay | Partnered | Mar 4, 2026 | “Announced on March 4, 2026, the transaction was carried out in partnership with DBS and UOB, two of Southeast Asia's largest banks.”DBS cards used in Singapore's first live authenticated Agent Pay transaction (4 Mar 2026); DBS Hong Kong also an issuer in the Hong Kong first (27 Mar 2026); DBS Bank (Taiwan) in Taiwan's first (26 Mar 2026). · scope: payments, card details | AI News ↗Mar 4, 2026Mastercard ↗The Edge Singapore via Yahoo Finance ↗ |
| DBS | Visa Intelligent Commerce | Partnered | Feb 16, 2026 | “Through this collaboration with Visa, DBS is the first issuer in Asia Pacific to advance real-world agentic commerce use cases, marking a significant step in translating agentic commerce from concept to reality, as well as establishing the foundations for safe and scalable adoption across the region.”Joint pilot under Visa Intelligent Commerce: AI agents completed real-world food-and-beverage purchases with DBS/POSB credit and debit cards via issuer-controlled flows; expanding to shopping and travel. DBS later joined Visa Agentic Ready Singapore (30 Apr 2026). · scope: payments, card details | DBS / Visa (PR Newswire) ↗Feb 16, 2026 · primaryVisa (PR Newswire via HK Business Wire) ↗DBS / Visa (PR Newswire) ↗ |
| MUFG | Visa Intelligent Commerce | Partnered | Apr 30, 2026 | “Ltd, Kiwibank, KASIKORNBANK (KBank), Krungthai Card (KTC), Latitude Financial, Maybank[4], Military Commercial Joint Stock Bank (MB Bank), Mitsubishi UFJ NICOS Co., Ltd., OCBC Bank Ltd, Rakuten Card Co., Ltd., Reap Technologies Limited”Via card subsidiary Mitsubishi UFJ NICOS Co., Ltd., listed as an early issuing partner in Visa Agentic Ready Asia Pacific (controlled tests of agent-initiated card payments). · scope: payments, card details | Visa (PR Newswire) ↗Apr 30, 2026 · primary |
| OCBC | Visa Intelligent Commerce | Partnered | Apr 30, 2026 | “These partners include Bank of China Singapore, CIMB Singapore, DBS Bank, DCS, GXS Bank, HSBC Singapore, Maybank Singapore, OCBC, Standard Chartered, StraitsX, Trust Bank, UQPay and UOB, with additional partners expected to join this year as the programme expands.”Issuer in Visa Agentic Ready Singapore (13 issuers, launched 30 Apr 2026): structured testing of agent-initiated payments in a controlled production-grade environment under Visa Intelligent Commerce. · scope: payments, card details | Visa (PR Newswire via HK Business Wire) ↗Apr 30, 2026 · primaryVisa (PR Newswire) ↗Visa (PR Newswire) ↗ |
| UOB | Visa Intelligent Commerce | Partnered | Apr 30, 2026 | “These partners include Bank of China Singapore, CIMB Singapore, DBS Bank, DCS, GXS Bank, HSBC Singapore, Maybank Singapore, OCBC, Standard Chartered, StraitsX, Trust Bank, UQPay and UOB, with additional partners expected to join this year as the programme expands.”Issuer in Visa Agentic Ready Singapore (13 issuers, launched 30 Apr 2026): structured testing of agent-initiated payments in a controlled production-grade environment under Visa Intelligent Commerce. · scope: payments, card details | Visa (PR Newswire via HK Business Wire) ↗Apr 30, 2026 · primaryVisa (PR Newswire) ↗Visa (PR Newswire) ↗ |
| UOB | Mastercard Agent Pay | Partnered | Mar 4, 2026 | “Announced on March 4, 2026, the transaction was carried out in partnership with DBS and UOB, two of Southeast Asia's largest banks.”UOB cards used in Singapore's first live authenticated Mastercard Agent Pay transaction (ride booking to Changi via hoppa). · scope: payments, card details | AI News ↗Mar 4, 2026The Edge Singapore via Yahoo Finance ↗ |
| GXS | Visa Intelligent Commerce | Partnered | Apr 30, 2026 | “These partners include Bank of China Singapore, CIMB Singapore, DBS Bank, DCS, GXS Bank, HSBC Singapore, Maybank Singapore, OCBC, Standard Chartered, StraitsX, Trust Bank, UQPay and UOB, with additional partners expected to join this year as the programme expands.”Issuer in Visa Agentic Ready Singapore (13 issuers, launched 30 Apr 2026): structured testing of agent-initiated payments in a controlled production-grade environment under Visa Intelligent Commerce. · scope: payments, card details | Visa (PR Newswire via HK Business Wire) ↗Apr 30, 2026 · primaryVisa (PR Newswire) ↗Visa (PR Newswire) ↗ |
| Trust Bank | Visa Intelligent Commerce | Partnered | Apr 30, 2026 | “These partners include Bank of China Singapore, CIMB Singapore, DBS Bank, DCS, GXS Bank, HSBC Singapore, Maybank Singapore, OCBC, Standard Chartered, StraitsX, Trust Bank, UQPay and UOB, with additional partners expected to join this year as the programme expands.”Issuer in Visa Agentic Ready Singapore (13 issuers, launched 30 Apr 2026): structured testing of agent-initiated payments in a controlled production-grade environment under Visa Intelligent Commerce. · scope: payments, card details | Visa (PR Newswire via HK Business Wire) ↗Apr 30, 2026 · primaryVisa (PR Newswire) ↗Visa (PR Newswire) ↗ |
| ANZ · not profiled | Visa Intelligent Commerce | Partnered | Apr 30, 2026 | “Early issuing partners engaging in the Visa Agentic Ready program include: AEON Thana Sinsap, Alliance Bank Malaysia Berhad, ANZ Bank New Zealand, ASB Bank, Asia Commercial Bank (ACB)”Early issuing partner in Visa Agentic Ready Asia Pacific (launched 30 Apr 2026 across AU, HK, JP, MY, NZ, SG, KR, TW, TH, VN): controlled production-grade tests of agent-initiated card payments. · scope: payments, card details | Visa (PR Newswire) ↗Apr 30, 2026 · primaryeCommerce News Australia ↗ |
| Axis Bank · not profiled | Mastercard Agent Pay | Partnered | Feb 17, 2026 | “The first payments were done on Mastercard cards issued by Axis Bank and RBL Bank, for tokenised agentic purchases using Cashfree Payments, Juspay, PayU and Razorpay payment aggregators on merchants including Swiggy, Instamart, Vi and Tira.”India's first authenticated agentic commerce transactions (India AI Impact Summit, Feb 2026) on Axis Bank and RBL Bank Mastercard cards under the Agent Pay framework. · scope: payments, card details | Hindustan Times ↗Feb 17, 2026InfoUncle ↗ |
| CIMB Group · not profiled | Mastercard Agent Pay | Partnered | Mar 4, 2026 | “The pilot was conducted with CIMB Group Holdings Berhad ("CIMB"), Malayan Banking Berhad ("Maybank") and RHB Banking Group ("RHB") using Mastercard Agent Pay and was initiated by AI agents in a controlled pilot environment, ensuring security, transparency and full consumer control.”Malaysia's first authenticated agentic transactions (controlled pilot) with CIMB, Maybank and RHB using Mastercard Agent Pay. · scope: payments, card details | Finextra (Mastercard press release) ↗Mar 6, 2026 · primary |
| KTC · not profiled | Mastercard Agent Pay | Partnered | Apr 13, 2026 | “Krungthai Card Public Company Limited subsequently completed Thailand's first authenticated agentic transaction in a controlled pilot, establishing Agent Pay's first foothold in Southeast Asia's travel payments sector.”Thailand's first authenticated agentic transaction (controlled pilot) with Mastercard Agent Pay, mobility provider Elife; KTC also in Visa Agentic Ready APAC list. · scope: payments, card details | Touchdown Asia ↗Apr 13, 2026 |
| Maybank · not profiled | Mastercard Agent Pay | Partnered | Mar 4, 2026 | “The pilot was conducted with CIMB Group Holdings Berhad ("CIMB"), Malayan Banking Berhad ("Maybank") and RHB Banking Group ("RHB") using Mastercard Agent Pay and was initiated by AI agents in a controlled pilot environment, ensuring security, transparency and full consumer control.”Maybank cards in Malaysia's first authenticated Agent Pay pilot; Maybank Singapore is also in Visa Agentic Ready Singapore (Apr 2026). · scope: payments, card details | Finextra (Mastercard press release) ↗Mar 6, 2026 · primary |
| RBL Bank · not profiled | Mastercard Agent Pay | Partnered | Feb 17, 2026 | “The first payments were done on Mastercard cards issued by Axis Bank and RBL Bank, for tokenised agentic purchases using Cashfree Payments, Juspay, PayU and Razorpay payment aggregators on merchants including Swiggy, Instamart, Vi and Tira.”India's first authenticated agentic commerce transactions on RBL Bank Mastercard cards under the Agent Pay framework. · scope: payments, card details | Hindustan Times ↗Feb 17, 2026InfoUncle ↗ |
| RHB Banking Group · not profiled | Mastercard Agent Pay | Partnered | Mar 4, 2026 | “The pilot was conducted with CIMB Group Holdings Berhad ("CIMB"), Malayan Banking Berhad ("Maybank") and RHB Banking Group ("RHB") using Mastercard Agent Pay and was initiated by AI agents in a controlled pilot environment, ensuring security, transparency and full consumer control.”RHB cards in Malaysia's first authenticated Agent Pay pilot. · scope: payments, card details | Finextra (Mastercard press release) ↗Mar 6, 2026 · primary |
| Westpac · not profiled | Mastercard Agent Pay | Partnered | Jan 27, 2026 | “Mastercard has completed its first agentic payment transactions in Australia on cards issued by CommBank and Westpac.”Westpac-issued cards used in Australia's first Agent Pay transactions (Jan 2026) and in New Zealand's first authenticated agentic transactions (Feb 2026). · scope: payments, card details | Finextra ↗Jan 28, 2026Mastercard Asia Pacific ↗ |
| Westpac New Zealand · not profiled | Mastercard Agent Pay | Partnered | Feb 17, 2026 | “New Zealand’s first Agent Pay transaction saw Mastercard use a Westpac-issued debit card to purchase cinema tickets from Event Cinemas.”NZ's first fully authenticated agentic transactions on Westpac-issued debit card (cinema tickets; QT Hotels booking), processed via IPSI with Maincode's Matilda LLM. · scope: payments, card details | Mastercard Asia Pacific ↗Feb 17, 2026 · primary |
| Agricultural Bank of China · not profiled | ByteDance Doubao phone assistant | Blocked | Dec 4, 2025 | “The apps of Agricultural Bank of China and China Construction Bank also display pop-up warnings that prompt users to disable the AI tool before proceeding.”ABC mobile app shows a pop-up requiring users to disable ByteDance's Doubao Phone Assistant (system-level INJECT_EVENTS screen-automation agent on ZTE Nubia M153) before proceeding; the agent itself later (21 Oct 2026) declared it proactively refuses to operate financial apps. · scope: on-screen phone agents, browser automation, screen scraping | Yicai Global ↗Dec 4, 2025 |
| China Construction Bank · not profiled | ByteDance Doubao phone assistant | Blocked | Dec 4, 2025 | “The apps of Agricultural Bank of China and China Construction Bank also display pop-up warnings that prompt users to disable the AI tool before proceeding.”CCB mobile app shows a pop-up requiring users to disable the Doubao Phone Assistant before proceeding (Dec 2025); Doubao later added a blanket self-restriction on financial apps (21 Oct 2026). · scope: on-screen phone agents, browser automation, screen scraping | Yicai Global ↗Dec 4, 2025 |
| China Merchants Bank · not profiled | ByteDance Doubao phone assistant | Blocked | Oct 14, 2026 | “Jiemian reported that the October 14 list named the Industrial and Commercial Bank of China (ICBC), China Merchants Bank and Chongqing Rural Commercial Bank alongside several other financial institutions.”China Merchants Bank named on Doubao Phone Assistant's 14 Oct 2026 refusal list; superseded 21 Oct 2026 by Doubao's blanket self-restriction on financial apps. · scope: on-screen phone agents, browser automation, screen scraping | EastFrontier ↗Oct 22, 2026 |
| ICBC · not profiled | ByteDance Doubao phone assistant | Blocked | Oct 14, 2026 | “Jiemian reported that the October 14 list named the Industrial and Commercial Bank of China (ICBC), China Merchants Bank and Chongqing Rural Commercial Bank alongside several other financial institutions.”ICBC (and ICBC Asia) declared refusal of Doubao Phone Assistant screen automation via Doubao's published opt-out list (14 Oct 2026 list of 155 apps); on 21 Oct 2026 Doubao replaced individual bank entries with a blanket 'proactive' restriction on all financial apps (banking, payments, credit). · scope: on-screen phone agents, browser automation, screen scraping | EastFrontier ↗Oct 22, 2026 |
| Caixa Econômica Federal · not profiled | Any third-party agent | Under review | Aug 25, 2026 | “Darlan Lins, executive director of IT solutions at Caixa, said the bank is currently deciding how to allow AI agents to execute transactions for its 160 million customers.”At Febraban Tech (25 Aug 2026) Caixa said it is deciding how to allow AI agents to execute transactions for its 160M customers ('That is our dilemma'); Banco do Brasil raised agent authentication as the open problem. | Valor International ↗Aug 27, 2026 |
| Itaú Unibanco · not profiled | Mastercard Agent Pay | Partnered | Mar 25, 2026 | “Participating processors and issuers in the region, including BAC, Banco de la Nacion Argentina, Banco Falabella, Banco Galicia, Banco Itaú, Banco Ripley, Banco Security de BICE, Bancolombia (a Cibest Group company)”Itaú among 17 LAC issuers/processors executing live, fully authorised Agent Pay transactions (controlled environments), Mar 2026. · scope: payments, card details | Finextra (Mastercard press release) ↗Mar 25, 2026 · primaryFinTech Global ↗ |
| eToro | Any third-party agent | Partnered | Sep 29, 2026 | “While Robinhood is for now the only brokerage to offer nontechnical agents at scale, other fintech and crypto firms-including eToro, Public, and Coinbase-currently let their users connect their agents via MCP tools.”Fortune reports eToro lets users connect their own AI agents via MCP tools (as of Sep 2026). · scope: transactions, account data | Fortune ↗Sep 29, 2026 |
Method & caveats
How is this tracked?
Unit: one relation between one agent (or agentic-commerce programme) and one bank or fintech, with the date of the earliest public evidence, a verbatim quote of at most two sentences and its source. 118 distinct sources back the 117 relations; 55 are the bank's or vendor's own statement, release, terms or FAQ, the rest are reputable outlets reporting a statement or a decision.
Relations: blocked — The bank says it does not let the agent log in, act or transact in customer accounts, or is reported to block it; restricted — Partial: no log-in or transactions, but a narrower path stays open (read-only data through an approved open-banking provider, human approval for payments); planned block — The bank has said it will block the agent but the block is not yet in force; under review — The bank says it is considering blocking or limiting the agent; no decision is on the record; tolerated — The bank says customers may use the agent, or that it does not block it; partnered — An official integration: the bank is a named issuer or partner in the agent's or programme's launch, or offers a sanctioned connection for it.
"Any third-party agent" is used when a bank's statement covers outside agents in general (Scotiabank and TD Bank Group); a bank that names a product (Muse) gets a row for that product as well. One active row per agent and bank: when a position changes, the newer row replaces the older one, which stays in data/agent-access/relations.jsonl with active: false.
Headline number: banks among the 25 largest US banks and brokerages we profile, by consolidated assets (Federal Reserve large-bank data as of Jun 30, 2026, holding-company figures where a firm is not on that list), with at least one blocked or restricted relation: JPMorgan, BofA, Citi, Wells Fargo, PNC, Schwab, Morgan Stanley and Fifth Third. Checked Oct 31, 2026: the latest day a row was compared with its source.
What are the caveats?
Silence is not a relation. A bank that has said nothing publicly is absent from the graph, even if it blocks agents in practice (most banks' fraud systems flag automated log-ins without announcing it) or tolerates them.
Reported positions are as reported: several rows rest on people familiar with a decision (Axios, Reuters) or on a chief executive's remark; the quote and the publisher are shown so the strength of the evidence is visible. Products change names and terms change without notice; the weekly sweep and the checked date are how this page keeps up.
Partnerships are programme-level: a bank named as an issuer in Mastercard Agent Pay or Visa Intelligent Commerce lets agents pay with tokenised cards under the network's rules; it is not an endorsement of any particular consumer agent logging in.
Data: /agentic-banking/agent-access/data.json (JSON, CC BY 4.0) · Markdown version.
Common questions
Which banks block AI agents like Meta's Muse?
8 of the 25 largest US banks block or restrict third-party AI agents as of Oct 31, 2026: JPMorgan, BofA, Citi, Wells Fargo, PNC, Schwab, Morgan Stanley and Fifth Third. 3 banks name Muse in a block or restriction (RBC, Schwab and JPMorgan). 14 banks apply the rule to outside agents in general rather than to one product. Each row on this page quotes the statement or report it rests on.
What exactly are banks blocking?
Mostly log-ins: 16 of the 22 block or restriction rows concern agents that sign in with the customer's username and password, the route banks tell customers never to share. Several banks that block the log-in keep a narrower door open, such as read-only data through an approved open-banking provider or a human approval before money moves; those rows are marked restricted.
Do any banks allow or partner with AI agents?
Yes, through sanctioned channels. 65 banks are named partners or issuers in Anthropic Claude, OpenAI ChatGPT (Instant Checkout, apps), Any third-party agent, Sierra Poppy (Personal Agent Protocol), Mastercard Agent Pay, Meta Muse, Stripe Agentic Commerce Protocol, Visa Intelligent Commerce, Google Gemini Agent, OpenClaw (open source) OpenClaw, Microsoft Copilot Actions, Google Agent Payments Protocol (AP2) and Perplexity Comet (Coop Bank, HSBC, BofA, Synchrony, Wells Fargo, Mercury, Banco Sabadell and eToro and 57 more), where the agent pays with a tokenised card or a bank-approved connection instead of the customer's password.
Which banks are still deciding?
4 relations are planned or under review: National Bank of Canada on Meta Muse (under review, Oct 28, 2026); Wealthsimple on Any third-party agent (under review, Oct 28, 2026); Caixa Econômica Federal on Any third-party agent (under review, Aug 25, 2026); Commonwealth Bank on Any third-party agent (under review, Dec 1, 2025). A bank leaves this group when it announces a decision, and the row is replaced, with the earlier one kept in the dataset.
How is this tracker built and updated?
From public statements only: bank newsrooms, terms and FAQs, executives on the record, vendor launch releases and reputable reporting. Each of the 117 rows carries a verbatim quote that the build checks against the source text, the date of the earliest evidence and a link. A weekly sweep on Sundays searches the news of the last eight days for every agent and bank pair and proposes new rows for review; the last sweep ran on Oct 31, 2026 and the next is due Nov 1, 2026. A bank absent from the page has made no public statement we could find, which is not the same as allowing agents.
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