API Performance StatsSelect a month:November 2025October 2025September 2025August 2025July 2025June 2025May 2025April 2025February 2025January 2025December 2024November 2024October 2024September 2024August 2024July 2024June 2024May 2024April 2024March 2024February 2024January 2024December 2023November 2023October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 2023December 2022November 2022October 2022September 2022August 2022July 2022June 2022May 2022Download historical data (last 12 months):Download dataHistoric Data Download- csv (CSV)Historic Data Download (PDF) Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.Notes on the data: Unweighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Weighted availability is calculated by applying a factor to the availability of each endpoint, each day, based on the proportion of total daily API calls to that endpoint.Notes on the data: Weighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Successful API calls This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Successful Payments This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Average API call response times This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Open Banking Users All Users AIS users PIS users All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. Download chart AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart November key performance metrics 99.30% Average API availability – unweighted 331ms Average API response time 99.33% Successful API calls (%) 99.87% Average API availability – weighted 2079.3m Successful API calls (actual) 0.67% Failed API calls Unweighted Weighted Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted November 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Average API availability 99.30% Core hours (06:00-00:00) 99.50% Non core hours (00:00-06:00) 98.69% Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 97.92% Payments – VRP 98.47% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 97.92% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 97.92% Payments – VRP 98.33% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 97.92% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: November 2025 Account Requests – AIS 98.87% Account Requests – COF 98.97% Accounts 98.87% Balances 98.87% Beneficiaries 99.03% Payments – AIS 99.03% Payments – CoF 98.87% Payments – PIS 98.87% Payments – VRP 98.87% Products 98.87% Standing Orders – AIS 98.87% Standing Orders – PIS 98.87% Statements 99.03% Transactions 98.87% Bank of Scotland Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.72% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 100.00% Payments – CoF 99.72% Payments – PIS 99.72% Payments – VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 100.00% Transactions 99.72% Barclays Availability by Endpoint Category: November 2025 Account Requests – AIS 99.97% Account Requests – COF 99.97% Accounts 99.97% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.97% Payments – AIS 99.97% Payments – CoF 99.97% Payments – PIS 99.97% Payments – VRP 99.97% Products 99.97% Standing Orders – AIS 99.97% Standing Orders – PIS 99.97% Statements 99.97% Transactions 99.97% Coutts Availability by Endpoint Category: November 2025 Account Requests – AIS 95.90% Account Requests – COF 100.00% Accounts 95.90% Balances 95.90% Beneficiaries 96.74% Direct Debits 98.96% Payments – CoF 97.57% Payments – PIS 95.90% Products 95.90% Standing Orders – AIS 95.90% Standing Orders – PIS 95.90% Transactions 95.90% Danske Bank Availability by Endpoint Category: November 2025 Account Requests – AIS 99.63% Account Requests – COF 100.00% Accounts 99.63% Balances 99.63% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.63% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.63% First Direct Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.86% Halifax Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.72% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.69% Payments – VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% HSBC Business Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.98% HSBC Personal Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 99.99% Beneficiaries 99.94% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.96% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.84% Lloyds Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.72% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% Payments – VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% MBNA Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 100.00% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.72% Payments – VRP 100.00% Products 99.72% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.72% Mettle Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: November 2025 Account Requests – AIS 99.58% Account Requests – COF 98.23% Accounts 99.74% Balances 99.74% Beneficiaries 99.17% Direct Debits 99.20% Payments – AIS 100.00% Payments – CoF 99.96% Payments – PIS 98.70% Payments – VRP 98.55% Products 99.18% Standing Orders – AIS 99.99% Standing Orders – PIS 99.58% Statements 100.00% Transactions 98.94% NWB Availability by Endpoint Category: November 2025 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.98% Payments – CoF 99.80% Payments – PIS 99.80% Payments – VRP 99.80% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.80% Statements 99.96% Transactions 99.95% RBS Availability by Endpoint Category: November 2025 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.92% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.92% Payments – AIS 100.00% Payments – CoF 99.78% Payments – PIS 99.78% Payments – VRP 99.78% Products 99.92% Standing Orders – AIS 99.92% Standing Orders – PIS 99.78% Statements 99.95% Transactions 99.92% Santander UK plc Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: November 2025 Account Requests – AIS 99.90% Account Requests – COF 100.00% Accounts 99.90% Balances 99.90% Beneficiaries 99.90% Direct Debits 99.90% Payments – AIS 100.00% Payments – CoF 99.70% Payments – PIS 99.70% Payments – VRP 99.70% Products 99.90% Standing Orders – AIS 99.90% Standing Orders – PIS 99.70% Statements 100.00% Transactions 99.90% Average API availability – weighted Average API availability by brand – weighted Core hours by brand (06:00 – 0:00) – weighted Non core hours by brand (00:00 – 6:00) – weighted AIS availability by brand – weighted PIS availability by brand – weighted API availability by category – weighted November 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Average weighted API availability 99.87% Core hours (06:00-00:00) 99.87% Non core hours (00:00-06:00) 99.82% November 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 99.24% Payments – VRP 97.26% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 98.78% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 98.62% Payments – VRP 97.56% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 98.77% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: November 2025 Account Requests – AIS 99.58% Account Requests – COF 90.19% Accounts 99.60% Balances 99.61% Beneficiaries 97.68% Payments – AIS 98.91% Payments – CoF 99.89% Payments – PIS 99.64% Payments – VRP 99.48% Products 98.23% Standing Orders – AIS 98.65% Standing Orders – PIS 99.61% Statements 97.59% Transactions 99.61% Bank of Scotland Availability by Endpoint Category: November 2025 Account Requests – AIS 99.74% Account Requests – COF 99.64% Accounts 99.71% Balances 99.71% Beneficiaries 99.70% Direct Debits 99.73% Payments – AIS 100.00% Payments – CoF 99.74% Payments – PIS 99.73% Payments – VRP 99.74% Products 99.76% Standing Orders – AIS 99.73% Standing Orders – PIS 99.70% Statements 100.00% Transactions 99.72% Barclays Availability by Endpoint Category: November 2025 Account Requests – AIS 99.97% Account Requests – COF 99.97% Accounts 99.96% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.98% Payments – PIS 99.97% Payments – VRP 99.97% Products 99.97% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.96% Transactions 99.96% Coutts Availability by Endpoint Category: November 2025 Account Requests – AIS 95.67% Account Requests – COF 100.00% Accounts 96.35% Balances 97.18% Beneficiaries 96.71% Direct Debits 98.16% Payments – CoF 98.95% Payments – PIS 97.66% Products 97.04% Standing Orders – AIS 95.86% Standing Orders – PIS 96.99% Transactions 97.13% Danske Bank Availability by Endpoint Category: November 2025 Account Requests – AIS 99.65% Account Requests – COF 100.00% Accounts 99.63% Balances 99.66% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.69% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.65% First Direct Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.93% Halifax Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.63% Accounts 99.69% Balances 99.68% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.94% Payments – CoF 99.74% Payments – PIS 99.72% Payments – VRP 99.73% Products 99.72% Standing Orders – AIS 99.71% Standing Orders – PIS 99.69% Statements 99.90% Transactions 99.69% HSBC Business Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.98% HSBC Personal Availability by Endpoint Category: November 2025 Account Requests – AIS 99.99% Account Requests – COF 100.00% Accounts 99.98% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.91% Lloyds Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.61% Accounts 99.70% Balances 99.69% Beneficiaries 99.70% Direct Debits 99.72% Payments – AIS 99.94% Payments – CoF 99.74% Payments – PIS 99.73% Payments – VRP 99.72% Products 99.74% Standing Orders – AIS 99.73% Standing Orders – PIS 99.74% Statements 99.89% Transactions 99.70% MBNA Availability by Endpoint Category: November 2025 Account Requests – AIS 99.71% Accounts 99.70% Balances 99.70% Beneficiaries 99.64% Direct Debits 100.00% Payments – PIS 99.72% Products 99.78% Standing Orders – AIS 100.00% Statements 100.00% Transactions 99.69% Mettle Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: November 2025 Account Requests – AIS 99.98% Account Requests – COF 99.63% Accounts 99.75% Balances 99.98% Beneficiaries 99.79% Direct Debits 99.92% Payments – AIS 100.00% Payments – CoF 99.99% Payments – PIS 99.77% Payments – VRP 99.83% Products 99.90% Standing Orders – AIS 100.00% Standing Orders – PIS 99.69% Statements 100.00% Transactions 99.43% NWB Availability by Endpoint Category: November 2025 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.98% Payments – CoF 99.95% Payments – PIS 99.94% Payments – VRP 99.92% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.93% Statements 99.98% Transactions 99.95% RBS Availability by Endpoint Category: November 2025 Account Requests – AIS 99.93% Account Requests – COF 100.00% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 100.00% Payments – CoF 99.93% Payments – PIS 99.92% Payments – VRP 99.89% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.89% Statements 99.96% Transactions 99.93% Santander UK plc Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: November 2025 Account Requests – AIS 99.91% Account Requests – COF 100.00% Accounts 99.91% Balances 99.91% Beneficiaries 99.90% Direct Debits 99.91% Payments – AIS 100.00% Payments – CoF 99.90% Payments – PIS 99.89% Payments – VRP 99.84% Products 99.91% Standing Orders – AIS 99.91% Standing Orders – PIS 99.84% Statements 100.00% Transactions 99.91% Average API response times Average API response times by brand Response times by brand November 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Average API Response Time 331 milliseconds November 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): November 2025 Account Requests – AIS 199ms Accounts 150ms Balances 118ms Direct Debits 939ms Payments – CoF 171ms Payments – PIS 155ms Payments – VRP 159ms Products 564ms Standing Orders – AIS 267ms Standing Orders – PIS 145ms Transactions 129ms AIB Group (UK) p.l.c. Response times (milliseconds): November 2025 Account Requests – AIS 119ms Accounts 67ms Balances 39ms Payments – CoF 84ms Payments – PIS 82ms Payments – VRP 76ms Products 197ms Standing Orders – AIS 129ms Standing Orders – PIS 68ms Transactions 48ms Bank of Ireland UK Response times (milliseconds): November 2025 Account Requests – AIS 170ms Account Requests – COF 285ms Accounts 308ms Balances 311ms Beneficiaries 699ms Payments – AIS 353ms Payments – CoF 425ms Payments – PIS 812ms Payments – VRP 1,197ms Products 365ms Standing Orders – AIS 533ms Standing Orders – PIS 522ms Statements 559ms Transactions 354ms Bank of Scotland Response times (milliseconds): November 2025 Account Requests – AIS 203ms Account Requests – COF 282ms Accounts 127ms Balances 142ms Beneficiaries 228ms Direct Debits 215ms Payments – AIS 220ms Payments – CoF 213ms Payments – PIS 378ms Payments – VRP 333ms Products 402ms Standing Orders – AIS 193ms Standing Orders – PIS 406ms Statements 352ms Transactions 231ms Barclays Response times (milliseconds): November 2025 Account Requests – AIS 145ms Account Requests – COF 188ms Accounts 157ms Balances 201ms Beneficiaries 171ms Direct Debits 208ms Payments – AIS 246ms Payments – CoF 262ms Payments – PIS 190ms Payments – VRP 257ms Products 339ms Standing Orders – AIS 210ms Standing Orders – PIS 162ms Statements 72ms Transactions 253ms Coutts Response times (milliseconds): November 2025 Account Requests – AIS 962ms Account Requests – COF 2,086ms Accounts 249ms Balances 283ms Beneficiaries 2,605ms Direct Debits 1,657ms Payments – CoF 368ms Payments – PIS 725ms Products 253ms Standing Orders – AIS 222ms Standing Orders – PIS 637ms Transactions 331ms Danske Bank Response times (milliseconds): November 2025 Account Requests – AIS 73ms Account Requests – COF 4,870ms Accounts 669ms Balances 212ms Beneficiaries 255ms Direct Debits 358ms Payments – AIS 305ms Payments – CoF 124ms Payments – PIS 129ms Payments – VRP 172ms Products 157ms Standing Orders – AIS 340ms Standing Orders – PIS 121ms Transactions 649ms First Direct Response times (milliseconds): November 2025 Account Requests – AIS 148ms Account Requests – COF 315ms Accounts 321ms Balances 350ms Beneficiaries 415ms Direct Debits 419ms Payments – AIS 556ms Payments – CoF 445ms Payments – PIS 304ms Payments – VRP 368ms Products 635ms Standing Orders – AIS 546ms Standing Orders – PIS 409ms Statements 475ms Transactions 522ms Halifax Response times (milliseconds): November 2025 Account Requests – AIS 213ms Account Requests – COF 250ms Accounts 127ms Balances 143ms Beneficiaries 224ms Direct Debits 215ms Payments – AIS 204ms Payments – CoF 212ms Payments – PIS 406ms Payments – VRP 329ms Products 402ms Standing Orders – AIS 193ms Standing Orders – PIS 496ms Statements 354ms Transactions 241ms HSBC Business Response times (milliseconds): November 2025 Account Requests – AIS 190ms Account Requests – COF 304ms Accounts 325ms Balances 316ms Beneficiaries 295ms Direct Debits 569ms Payments – AIS 186ms Payments – CoF 503ms Payments – PIS 539ms Payments – VRP 477ms Products 682ms Standing Orders – AIS 195ms Standing Orders – PIS 346ms Statements 2,482ms Transactions 404ms HSBC Kinetic Response times (milliseconds): November 2025 Account Requests – AIS 157ms Account Requests – COF 298ms Accounts 397ms Balances 396ms Beneficiaries 852ms Direct Debits 1,288ms Payments – AIS 1,367ms Payments – CoF 604ms Payments – PIS 355ms Payments – VRP 442ms Products 1,082ms Standing Orders – AIS 1,263ms Standing Orders – PIS 243ms Statements 2,700ms Transactions 589ms HSBC Personal Response times (milliseconds): November 2025 Account Requests – AIS 166ms Account Requests – COF 302ms Accounts 348ms Balances 380ms Beneficiaries 458ms Direct Debits 446ms Payments – AIS 623ms Payments – CoF 469ms Payments – PIS 346ms Payments – VRP 355ms Products 643ms Standing Orders – AIS 608ms Standing Orders – PIS 303ms Statements 192ms Transactions 558ms Lloyds Response times (milliseconds): November 2025 Account Requests – AIS 214ms Account Requests – COF 246ms Accounts 127ms Balances 141ms Beneficiaries 224ms Direct Debits 215ms Payments – AIS 215ms Payments – CoF 211ms Payments – PIS 407ms Payments – VRP 327ms Products 401ms Standing Orders – AIS 193ms Standing Orders – PIS 493ms Statements 353ms Transactions 231ms MBNA Response times (milliseconds): November 2025 Account Requests – AIS 219ms Accounts 126ms Balances 236ms Beneficiaries 222ms Direct Debits 155ms Payments – PIS 221ms Products 148ms Standing Orders – AIS 144ms Statements 335ms Transactions 421ms Mettle Response times (milliseconds): November 2025 Account Requests – AIS 69ms Accounts 111ms Balances 74ms Beneficiaries 61ms Direct Debits 144ms Payments – AIS 69ms Payments – PIS 174ms Payments – VRP 197ms Products 111ms Standing Orders – AIS 12ms Statements 631ms Transactions 92ms Nationwide Building Society Response times (milliseconds): November 2025 Account Requests – AIS 164ms Account Requests – COF 254ms Accounts 233ms Balances 191ms Beneficiaries 467ms Direct Debits 607ms Payments – AIS 274ms Payments – CoF 281ms Payments – PIS 362ms Payments – VRP 312ms Products 214ms Standing Orders – AIS 233ms Standing Orders – PIS 368ms Statements 351ms Transactions 237ms NWB Response times (milliseconds): November 2025 Account Requests – AIS 154ms Account Requests – COF 383ms Accounts 466ms Balances 431ms Beneficiaries 821ms Direct Debits 238ms Payments – AIS 262ms Payments – CoF 261ms Payments – PIS 353ms Payments – VRP 320ms Products 289ms Standing Orders – AIS 434ms Standing Orders – PIS 301ms Statements 180ms Transactions 522ms RBS Response times (milliseconds): November 2025 Account Requests – AIS 160ms Account Requests – COF 418ms Accounts 451ms Balances 429ms Beneficiaries 879ms Direct Debits 252ms Payments – AIS 284ms Payments – CoF 277ms Payments – PIS 381ms Payments – VRP 359ms Products 285ms Standing Orders – AIS 376ms Standing Orders – PIS 335ms Statements 212ms Transactions 476ms Santander UK plc Response times (milliseconds): November 2025 Account Requests – AIS 251ms Account Requests – COF 327ms Accounts 355ms Balances 401ms Beneficiaries 588ms Direct Debits 483ms Payments – CoF 355ms Payments – PIS 275ms Payments – VRP 238ms Products 345ms Standing Orders – AIS 472ms Standing Orders – PIS 266ms Statements 482ms Transactions 479ms UBN Response times (milliseconds): November 2025 Account Requests – AIS 164ms Account Requests – COF 523ms Accounts 442ms Balances 367ms Beneficiaries 961ms Direct Debits 269ms Payments – AIS 253ms Payments – CoF 294ms Payments – PIS 400ms Payments – VRP 413ms Products 294ms Standing Orders – AIS 305ms Standing Orders – PIS 366ms Statements 203ms Transactions 434ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand November 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Successful API calls Total calls 2079342889 % of overall total calls 99.33% AIS Total calls 1644957030 % of overall total calls 99.22% PIS Total calls 139789859 % of overall total calls 99.70% November 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand November 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed API Calls Total calls 14,065,620 % of overall total calls 0.67% Business Total calls 11,515,707 % of overall total calls 0.55% Technical Total calls 2,549,913 % of overall total calls 0.12% Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. November 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed Technical calls Failed Business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. November 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed business calls as % of total calls Volume of failed business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. November 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed technical calls as % of total calls Volume of failed technical calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. Rejected API calls Rejected API calls by brand November 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Rejected API Calls Total calls 2,954,985 % of overall total calls 0.141% HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs. November 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
API Performance StatsSelect a month:November 2025October 2025September 2025August 2025July 2025June 2025May 2025April 2025February 2025January 2025December 2024November 2024October 2024September 2024August 2024July 2024June 2024May 2024April 2024March 2024February 2024January 2024December 2023November 2023October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 2023December 2022November 2022October 2022September 2022August 2022July 2022June 2022May 2022Download historical data (last 12 months):Download dataHistoric Data Download- csv (CSV)Historic Data Download (PDF)
Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.Notes on the data: Unweighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Weighted availability is calculated by applying a factor to the availability of each endpoint, each day, based on the proportion of total daily API calls to that endpoint.Notes on the data: Weighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Successful API calls This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Successful Payments This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Average API call response times This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Open Banking Users All Users AIS users PIS users All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. Download chart AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart
All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. Download chart
AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart
PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart
November key performance metrics 99.30% Average API availability – unweighted 331ms Average API response time 99.33% Successful API calls (%) 99.87% Average API availability – weighted 2079.3m Successful API calls (actual) 0.67% Failed API calls Unweighted Weighted Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted November 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Average API availability 99.30% Core hours (06:00-00:00) 99.50% Non core hours (00:00-06:00) 98.69% Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 97.92% Payments – VRP 98.47% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 97.92% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 97.92% Payments – VRP 98.33% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 97.92% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: November 2025 Account Requests – AIS 98.87% Account Requests – COF 98.97% Accounts 98.87% Balances 98.87% Beneficiaries 99.03% Payments – AIS 99.03% Payments – CoF 98.87% Payments – PIS 98.87% Payments – VRP 98.87% Products 98.87% Standing Orders – AIS 98.87% Standing Orders – PIS 98.87% Statements 99.03% Transactions 98.87% Bank of Scotland Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.72% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 100.00% Payments – CoF 99.72% Payments – PIS 99.72% Payments – VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 100.00% Transactions 99.72% Barclays Availability by Endpoint Category: November 2025 Account Requests – AIS 99.97% Account Requests – COF 99.97% Accounts 99.97% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.97% Payments – AIS 99.97% Payments – CoF 99.97% Payments – PIS 99.97% Payments – VRP 99.97% Products 99.97% Standing Orders – AIS 99.97% Standing Orders – PIS 99.97% Statements 99.97% Transactions 99.97% Coutts Availability by Endpoint Category: November 2025 Account Requests – AIS 95.90% Account Requests – COF 100.00% Accounts 95.90% Balances 95.90% Beneficiaries 96.74% Direct Debits 98.96% Payments – CoF 97.57% Payments – PIS 95.90% Products 95.90% Standing Orders – AIS 95.90% Standing Orders – PIS 95.90% Transactions 95.90% Danske Bank Availability by Endpoint Category: November 2025 Account Requests – AIS 99.63% Account Requests – COF 100.00% Accounts 99.63% Balances 99.63% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.63% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.63% First Direct Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.86% Halifax Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.72% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.69% Payments – VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% HSBC Business Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.98% HSBC Personal Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 99.99% Beneficiaries 99.94% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.96% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.84% Lloyds Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.72% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% Payments – VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% MBNA Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 100.00% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.72% Payments – VRP 100.00% Products 99.72% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.72% Mettle Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: November 2025 Account Requests – AIS 99.58% Account Requests – COF 98.23% Accounts 99.74% Balances 99.74% Beneficiaries 99.17% Direct Debits 99.20% Payments – AIS 100.00% Payments – CoF 99.96% Payments – PIS 98.70% Payments – VRP 98.55% Products 99.18% Standing Orders – AIS 99.99% Standing Orders – PIS 99.58% Statements 100.00% Transactions 98.94% NWB Availability by Endpoint Category: November 2025 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.98% Payments – CoF 99.80% Payments – PIS 99.80% Payments – VRP 99.80% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.80% Statements 99.96% Transactions 99.95% RBS Availability by Endpoint Category: November 2025 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.92% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.92% Payments – AIS 100.00% Payments – CoF 99.78% Payments – PIS 99.78% Payments – VRP 99.78% Products 99.92% Standing Orders – AIS 99.92% Standing Orders – PIS 99.78% Statements 99.95% Transactions 99.92% Santander UK plc Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: November 2025 Account Requests – AIS 99.90% Account Requests – COF 100.00% Accounts 99.90% Balances 99.90% Beneficiaries 99.90% Direct Debits 99.90% Payments – AIS 100.00% Payments – CoF 99.70% Payments – PIS 99.70% Payments – VRP 99.70% Products 99.90% Standing Orders – AIS 99.90% Standing Orders – PIS 99.70% Statements 100.00% Transactions 99.90% Average API availability – weighted Average API availability by brand – weighted Core hours by brand (06:00 – 0:00) – weighted Non core hours by brand (00:00 – 6:00) – weighted AIS availability by brand – weighted PIS availability by brand – weighted API availability by category – weighted November 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Average weighted API availability 99.87% Core hours (06:00-00:00) 99.87% Non core hours (00:00-06:00) 99.82% November 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 99.24% Payments – VRP 97.26% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 98.78% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 98.62% Payments – VRP 97.56% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 98.77% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: November 2025 Account Requests – AIS 99.58% Account Requests – COF 90.19% Accounts 99.60% Balances 99.61% Beneficiaries 97.68% Payments – AIS 98.91% Payments – CoF 99.89% Payments – PIS 99.64% Payments – VRP 99.48% Products 98.23% Standing Orders – AIS 98.65% Standing Orders – PIS 99.61% Statements 97.59% Transactions 99.61% Bank of Scotland Availability by Endpoint Category: November 2025 Account Requests – AIS 99.74% Account Requests – COF 99.64% Accounts 99.71% Balances 99.71% Beneficiaries 99.70% Direct Debits 99.73% Payments – AIS 100.00% Payments – CoF 99.74% Payments – PIS 99.73% Payments – VRP 99.74% Products 99.76% Standing Orders – AIS 99.73% Standing Orders – PIS 99.70% Statements 100.00% Transactions 99.72% Barclays Availability by Endpoint Category: November 2025 Account Requests – AIS 99.97% Account Requests – COF 99.97% Accounts 99.96% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.98% Payments – PIS 99.97% Payments – VRP 99.97% Products 99.97% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.96% Transactions 99.96% Coutts Availability by Endpoint Category: November 2025 Account Requests – AIS 95.67% Account Requests – COF 100.00% Accounts 96.35% Balances 97.18% Beneficiaries 96.71% Direct Debits 98.16% Payments – CoF 98.95% Payments – PIS 97.66% Products 97.04% Standing Orders – AIS 95.86% Standing Orders – PIS 96.99% Transactions 97.13% Danske Bank Availability by Endpoint Category: November 2025 Account Requests – AIS 99.65% Account Requests – COF 100.00% Accounts 99.63% Balances 99.66% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.69% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.65% First Direct Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.93% Halifax Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.63% Accounts 99.69% Balances 99.68% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.94% Payments – CoF 99.74% Payments – PIS 99.72% Payments – VRP 99.73% Products 99.72% Standing Orders – AIS 99.71% Standing Orders – PIS 99.69% Statements 99.90% Transactions 99.69% HSBC Business Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.98% HSBC Personal Availability by Endpoint Category: November 2025 Account Requests – AIS 99.99% Account Requests – COF 100.00% Accounts 99.98% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.91% Lloyds Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.61% Accounts 99.70% Balances 99.69% Beneficiaries 99.70% Direct Debits 99.72% Payments – AIS 99.94% Payments – CoF 99.74% Payments – PIS 99.73% Payments – VRP 99.72% Products 99.74% Standing Orders – AIS 99.73% Standing Orders – PIS 99.74% Statements 99.89% Transactions 99.70% MBNA Availability by Endpoint Category: November 2025 Account Requests – AIS 99.71% Accounts 99.70% Balances 99.70% Beneficiaries 99.64% Direct Debits 100.00% Payments – PIS 99.72% Products 99.78% Standing Orders – AIS 100.00% Statements 100.00% Transactions 99.69% Mettle Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: November 2025 Account Requests – AIS 99.98% Account Requests – COF 99.63% Accounts 99.75% Balances 99.98% Beneficiaries 99.79% Direct Debits 99.92% Payments – AIS 100.00% Payments – CoF 99.99% Payments – PIS 99.77% Payments – VRP 99.83% Products 99.90% Standing Orders – AIS 100.00% Standing Orders – PIS 99.69% Statements 100.00% Transactions 99.43% NWB Availability by Endpoint Category: November 2025 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.98% Payments – CoF 99.95% Payments – PIS 99.94% Payments – VRP 99.92% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.93% Statements 99.98% Transactions 99.95% RBS Availability by Endpoint Category: November 2025 Account Requests – AIS 99.93% Account Requests – COF 100.00% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 100.00% Payments – CoF 99.93% Payments – PIS 99.92% Payments – VRP 99.89% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.89% Statements 99.96% Transactions 99.93% Santander UK plc Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: November 2025 Account Requests – AIS 99.91% Account Requests – COF 100.00% Accounts 99.91% Balances 99.91% Beneficiaries 99.90% Direct Debits 99.91% Payments – AIS 100.00% Payments – CoF 99.90% Payments – PIS 99.89% Payments – VRP 99.84% Products 99.91% Standing Orders – AIS 99.91% Standing Orders – PIS 99.84% Statements 100.00% Transactions 99.91% Average API response times Average API response times by brand Response times by brand November 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Average API Response Time 331 milliseconds November 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): November 2025 Account Requests – AIS 199ms Accounts 150ms Balances 118ms Direct Debits 939ms Payments – CoF 171ms Payments – PIS 155ms Payments – VRP 159ms Products 564ms Standing Orders – AIS 267ms Standing Orders – PIS 145ms Transactions 129ms AIB Group (UK) p.l.c. Response times (milliseconds): November 2025 Account Requests – AIS 119ms Accounts 67ms Balances 39ms Payments – CoF 84ms Payments – PIS 82ms Payments – VRP 76ms Products 197ms Standing Orders – AIS 129ms Standing Orders – PIS 68ms Transactions 48ms Bank of Ireland UK Response times (milliseconds): November 2025 Account Requests – AIS 170ms Account Requests – COF 285ms Accounts 308ms Balances 311ms Beneficiaries 699ms Payments – AIS 353ms Payments – CoF 425ms Payments – PIS 812ms Payments – VRP 1,197ms Products 365ms Standing Orders – AIS 533ms Standing Orders – PIS 522ms Statements 559ms Transactions 354ms Bank of Scotland Response times (milliseconds): November 2025 Account Requests – AIS 203ms Account Requests – COF 282ms Accounts 127ms Balances 142ms Beneficiaries 228ms Direct Debits 215ms Payments – AIS 220ms Payments – CoF 213ms Payments – PIS 378ms Payments – VRP 333ms Products 402ms Standing Orders – AIS 193ms Standing Orders – PIS 406ms Statements 352ms Transactions 231ms Barclays Response times (milliseconds): November 2025 Account Requests – AIS 145ms Account Requests – COF 188ms Accounts 157ms Balances 201ms Beneficiaries 171ms Direct Debits 208ms Payments – AIS 246ms Payments – CoF 262ms Payments – PIS 190ms Payments – VRP 257ms Products 339ms Standing Orders – AIS 210ms Standing Orders – PIS 162ms Statements 72ms Transactions 253ms Coutts Response times (milliseconds): November 2025 Account Requests – AIS 962ms Account Requests – COF 2,086ms Accounts 249ms Balances 283ms Beneficiaries 2,605ms Direct Debits 1,657ms Payments – CoF 368ms Payments – PIS 725ms Products 253ms Standing Orders – AIS 222ms Standing Orders – PIS 637ms Transactions 331ms Danske Bank Response times (milliseconds): November 2025 Account Requests – AIS 73ms Account Requests – COF 4,870ms Accounts 669ms Balances 212ms Beneficiaries 255ms Direct Debits 358ms Payments – AIS 305ms Payments – CoF 124ms Payments – PIS 129ms Payments – VRP 172ms Products 157ms Standing Orders – AIS 340ms Standing Orders – PIS 121ms Transactions 649ms First Direct Response times (milliseconds): November 2025 Account Requests – AIS 148ms Account Requests – COF 315ms Accounts 321ms Balances 350ms Beneficiaries 415ms Direct Debits 419ms Payments – AIS 556ms Payments – CoF 445ms Payments – PIS 304ms Payments – VRP 368ms Products 635ms Standing Orders – AIS 546ms Standing Orders – PIS 409ms Statements 475ms Transactions 522ms Halifax Response times (milliseconds): November 2025 Account Requests – AIS 213ms Account Requests – COF 250ms Accounts 127ms Balances 143ms Beneficiaries 224ms Direct Debits 215ms Payments – AIS 204ms Payments – CoF 212ms Payments – PIS 406ms Payments – VRP 329ms Products 402ms Standing Orders – AIS 193ms Standing Orders – PIS 496ms Statements 354ms Transactions 241ms HSBC Business Response times (milliseconds): November 2025 Account Requests – AIS 190ms Account Requests – COF 304ms Accounts 325ms Balances 316ms Beneficiaries 295ms Direct Debits 569ms Payments – AIS 186ms Payments – CoF 503ms Payments – PIS 539ms Payments – VRP 477ms Products 682ms Standing Orders – AIS 195ms Standing Orders – PIS 346ms Statements 2,482ms Transactions 404ms HSBC Kinetic Response times (milliseconds): November 2025 Account Requests – AIS 157ms Account Requests – COF 298ms Accounts 397ms Balances 396ms Beneficiaries 852ms Direct Debits 1,288ms Payments – AIS 1,367ms Payments – CoF 604ms Payments – PIS 355ms Payments – VRP 442ms Products 1,082ms Standing Orders – AIS 1,263ms Standing Orders – PIS 243ms Statements 2,700ms Transactions 589ms HSBC Personal Response times (milliseconds): November 2025 Account Requests – AIS 166ms Account Requests – COF 302ms Accounts 348ms Balances 380ms Beneficiaries 458ms Direct Debits 446ms Payments – AIS 623ms Payments – CoF 469ms Payments – PIS 346ms Payments – VRP 355ms Products 643ms Standing Orders – AIS 608ms Standing Orders – PIS 303ms Statements 192ms Transactions 558ms Lloyds Response times (milliseconds): November 2025 Account Requests – AIS 214ms Account Requests – COF 246ms Accounts 127ms Balances 141ms Beneficiaries 224ms Direct Debits 215ms Payments – AIS 215ms Payments – CoF 211ms Payments – PIS 407ms Payments – VRP 327ms Products 401ms Standing Orders – AIS 193ms Standing Orders – PIS 493ms Statements 353ms Transactions 231ms MBNA Response times (milliseconds): November 2025 Account Requests – AIS 219ms Accounts 126ms Balances 236ms Beneficiaries 222ms Direct Debits 155ms Payments – PIS 221ms Products 148ms Standing Orders – AIS 144ms Statements 335ms Transactions 421ms Mettle Response times (milliseconds): November 2025 Account Requests – AIS 69ms Accounts 111ms Balances 74ms Beneficiaries 61ms Direct Debits 144ms Payments – AIS 69ms Payments – PIS 174ms Payments – VRP 197ms Products 111ms Standing Orders – AIS 12ms Statements 631ms Transactions 92ms Nationwide Building Society Response times (milliseconds): November 2025 Account Requests – AIS 164ms Account Requests – COF 254ms Accounts 233ms Balances 191ms Beneficiaries 467ms Direct Debits 607ms Payments – AIS 274ms Payments – CoF 281ms Payments – PIS 362ms Payments – VRP 312ms Products 214ms Standing Orders – AIS 233ms Standing Orders – PIS 368ms Statements 351ms Transactions 237ms NWB Response times (milliseconds): November 2025 Account Requests – AIS 154ms Account Requests – COF 383ms Accounts 466ms Balances 431ms Beneficiaries 821ms Direct Debits 238ms Payments – AIS 262ms Payments – CoF 261ms Payments – PIS 353ms Payments – VRP 320ms Products 289ms Standing Orders – AIS 434ms Standing Orders – PIS 301ms Statements 180ms Transactions 522ms RBS Response times (milliseconds): November 2025 Account Requests – AIS 160ms Account Requests – COF 418ms Accounts 451ms Balances 429ms Beneficiaries 879ms Direct Debits 252ms Payments – AIS 284ms Payments – CoF 277ms Payments – PIS 381ms Payments – VRP 359ms Products 285ms Standing Orders – AIS 376ms Standing Orders – PIS 335ms Statements 212ms Transactions 476ms Santander UK plc Response times (milliseconds): November 2025 Account Requests – AIS 251ms Account Requests – COF 327ms Accounts 355ms Balances 401ms Beneficiaries 588ms Direct Debits 483ms Payments – CoF 355ms Payments – PIS 275ms Payments – VRP 238ms Products 345ms Standing Orders – AIS 472ms Standing Orders – PIS 266ms Statements 482ms Transactions 479ms UBN Response times (milliseconds): November 2025 Account Requests – AIS 164ms Account Requests – COF 523ms Accounts 442ms Balances 367ms Beneficiaries 961ms Direct Debits 269ms Payments – AIS 253ms Payments – CoF 294ms Payments – PIS 400ms Payments – VRP 413ms Products 294ms Standing Orders – AIS 305ms Standing Orders – PIS 366ms Statements 203ms Transactions 434ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand November 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Successful API calls Total calls 2079342889 % of overall total calls 99.33% AIS Total calls 1644957030 % of overall total calls 99.22% PIS Total calls 139789859 % of overall total calls 99.70% November 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand November 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed API Calls Total calls 14,065,620 % of overall total calls 0.67% Business Total calls 11,515,707 % of overall total calls 0.55% Technical Total calls 2,549,913 % of overall total calls 0.12% Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. November 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed Technical calls Failed Business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. November 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed business calls as % of total calls Volume of failed business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. November 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed technical calls as % of total calls Volume of failed technical calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. Rejected API calls Rejected API calls by brand November 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Rejected API Calls Total calls 2,954,985 % of overall total calls 0.141% HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs. November 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
November key performance metrics 99.30% Average API availability – unweighted 331ms Average API response time 99.33% Successful API calls (%) 99.87% Average API availability – weighted 2079.3m Successful API calls (actual) 0.67% Failed API calls
Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted November 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Average API availability 99.30% Core hours (06:00-00:00) 99.50% Non core hours (00:00-06:00) 98.69% Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. November 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 97.92% Payments – VRP 98.47% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 97.92% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 97.92% Payments – VRP 98.33% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 97.92% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: November 2025 Account Requests – AIS 98.87% Account Requests – COF 98.97% Accounts 98.87% Balances 98.87% Beneficiaries 99.03% Payments – AIS 99.03% Payments – CoF 98.87% Payments – PIS 98.87% Payments – VRP 98.87% Products 98.87% Standing Orders – AIS 98.87% Standing Orders – PIS 98.87% Statements 99.03% Transactions 98.87% Bank of Scotland Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.72% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 100.00% Payments – CoF 99.72% Payments – PIS 99.72% Payments – VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 100.00% Transactions 99.72% Barclays Availability by Endpoint Category: November 2025 Account Requests – AIS 99.97% Account Requests – COF 99.97% Accounts 99.97% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.97% Payments – AIS 99.97% Payments – CoF 99.97% Payments – PIS 99.97% Payments – VRP 99.97% Products 99.97% Standing Orders – AIS 99.97% Standing Orders – PIS 99.97% Statements 99.97% Transactions 99.97% Coutts Availability by Endpoint Category: November 2025 Account Requests – AIS 95.90% Account Requests – COF 100.00% Accounts 95.90% Balances 95.90% Beneficiaries 96.74% Direct Debits 98.96% Payments – CoF 97.57% Payments – PIS 95.90% Products 95.90% Standing Orders – AIS 95.90% Standing Orders – PIS 95.90% Transactions 95.90% Danske Bank Availability by Endpoint Category: November 2025 Account Requests – AIS 99.63% Account Requests – COF 100.00% Accounts 99.63% Balances 99.63% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.63% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.63% First Direct Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.86% Halifax Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.72% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.69% Payments – VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% HSBC Business Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.98% HSBC Personal Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 99.99% Beneficiaries 99.94% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.96% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.84% Lloyds Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.72% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% Payments – VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% MBNA Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 100.00% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.72% Payments – VRP 100.00% Products 99.72% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.72% Mettle Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: November 2025 Account Requests – AIS 99.58% Account Requests – COF 98.23% Accounts 99.74% Balances 99.74% Beneficiaries 99.17% Direct Debits 99.20% Payments – AIS 100.00% Payments – CoF 99.96% Payments – PIS 98.70% Payments – VRP 98.55% Products 99.18% Standing Orders – AIS 99.99% Standing Orders – PIS 99.58% Statements 100.00% Transactions 98.94% NWB Availability by Endpoint Category: November 2025 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.98% Payments – CoF 99.80% Payments – PIS 99.80% Payments – VRP 99.80% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.80% Statements 99.96% Transactions 99.95% RBS Availability by Endpoint Category: November 2025 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.92% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.92% Payments – AIS 100.00% Payments – CoF 99.78% Payments – PIS 99.78% Payments – VRP 99.78% Products 99.92% Standing Orders – AIS 99.92% Standing Orders – PIS 99.78% Statements 99.95% Transactions 99.92% Santander UK plc Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: November 2025 Account Requests – AIS 99.90% Account Requests – COF 100.00% Accounts 99.90% Balances 99.90% Beneficiaries 99.90% Direct Debits 99.90% Payments – AIS 100.00% Payments – CoF 99.70% Payments – PIS 99.70% Payments – VRP 99.70% Products 99.90% Standing Orders – AIS 99.90% Standing Orders – PIS 99.70% Statements 100.00% Transactions 99.90%
November 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Average API availability 99.30% Core hours (06:00-00:00) 99.50% Non core hours (00:00-06:00) 98.69% Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
November 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
November 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
November 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
November 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
November 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
November 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 97.92% Payments – VRP 98.47% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 97.92% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 97.92% Payments – VRP 98.33% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 97.92% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: November 2025 Account Requests – AIS 98.87% Account Requests – COF 98.97% Accounts 98.87% Balances 98.87% Beneficiaries 99.03% Payments – AIS 99.03% Payments – CoF 98.87% Payments – PIS 98.87% Payments – VRP 98.87% Products 98.87% Standing Orders – AIS 98.87% Standing Orders – PIS 98.87% Statements 99.03% Transactions 98.87% Bank of Scotland Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.72% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 100.00% Payments – CoF 99.72% Payments – PIS 99.72% Payments – VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 100.00% Transactions 99.72% Barclays Availability by Endpoint Category: November 2025 Account Requests – AIS 99.97% Account Requests – COF 99.97% Accounts 99.97% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.97% Payments – AIS 99.97% Payments – CoF 99.97% Payments – PIS 99.97% Payments – VRP 99.97% Products 99.97% Standing Orders – AIS 99.97% Standing Orders – PIS 99.97% Statements 99.97% Transactions 99.97% Coutts Availability by Endpoint Category: November 2025 Account Requests – AIS 95.90% Account Requests – COF 100.00% Accounts 95.90% Balances 95.90% Beneficiaries 96.74% Direct Debits 98.96% Payments – CoF 97.57% Payments – PIS 95.90% Products 95.90% Standing Orders – AIS 95.90% Standing Orders – PIS 95.90% Transactions 95.90% Danske Bank Availability by Endpoint Category: November 2025 Account Requests – AIS 99.63% Account Requests – COF 100.00% Accounts 99.63% Balances 99.63% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.63% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.63% First Direct Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.86% Halifax Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.72% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.69% Payments – VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% HSBC Business Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.98% HSBC Personal Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 99.99% Beneficiaries 99.94% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.96% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.84% Lloyds Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.72% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% Payments – VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% MBNA Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 100.00% Accounts 99.72% Balances 99.72% Beneficiaries 99.72% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.72% Payments – VRP 100.00% Products 99.72% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.72% Mettle Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: November 2025 Account Requests – AIS 99.58% Account Requests – COF 98.23% Accounts 99.74% Balances 99.74% Beneficiaries 99.17% Direct Debits 99.20% Payments – AIS 100.00% Payments – CoF 99.96% Payments – PIS 98.70% Payments – VRP 98.55% Products 99.18% Standing Orders – AIS 99.99% Standing Orders – PIS 99.58% Statements 100.00% Transactions 98.94% NWB Availability by Endpoint Category: November 2025 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.98% Payments – CoF 99.80% Payments – PIS 99.80% Payments – VRP 99.80% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.80% Statements 99.96% Transactions 99.95% RBS Availability by Endpoint Category: November 2025 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.92% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.92% Payments – AIS 100.00% Payments – CoF 99.78% Payments – PIS 99.78% Payments – VRP 99.78% Products 99.92% Standing Orders – AIS 99.92% Standing Orders – PIS 99.78% Statements 99.95% Transactions 99.92% Santander UK plc Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: November 2025 Account Requests – AIS 99.90% Account Requests – COF 100.00% Accounts 99.90% Balances 99.90% Beneficiaries 99.90% Direct Debits 99.90% Payments – AIS 100.00% Payments – CoF 99.70% Payments – PIS 99.70% Payments – VRP 99.70% Products 99.90% Standing Orders – AIS 99.90% Standing Orders – PIS 99.70% Statements 100.00% Transactions 99.90%
Average API availability – weighted Average API availability by brand – weighted Core hours by brand (06:00 – 0:00) – weighted Non core hours by brand (00:00 – 6:00) – weighted AIS availability by brand – weighted PIS availability by brand – weighted API availability by category – weighted November 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Average weighted API availability 99.87% Core hours (06:00-00:00) 99.87% Non core hours (00:00-06:00) 99.82% November 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 99.24% Payments – VRP 97.26% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 98.78% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 98.62% Payments – VRP 97.56% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 98.77% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: November 2025 Account Requests – AIS 99.58% Account Requests – COF 90.19% Accounts 99.60% Balances 99.61% Beneficiaries 97.68% Payments – AIS 98.91% Payments – CoF 99.89% Payments – PIS 99.64% Payments – VRP 99.48% Products 98.23% Standing Orders – AIS 98.65% Standing Orders – PIS 99.61% Statements 97.59% Transactions 99.61% Bank of Scotland Availability by Endpoint Category: November 2025 Account Requests – AIS 99.74% Account Requests – COF 99.64% Accounts 99.71% Balances 99.71% Beneficiaries 99.70% Direct Debits 99.73% Payments – AIS 100.00% Payments – CoF 99.74% Payments – PIS 99.73% Payments – VRP 99.74% Products 99.76% Standing Orders – AIS 99.73% Standing Orders – PIS 99.70% Statements 100.00% Transactions 99.72% Barclays Availability by Endpoint Category: November 2025 Account Requests – AIS 99.97% Account Requests – COF 99.97% Accounts 99.96% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.98% Payments – PIS 99.97% Payments – VRP 99.97% Products 99.97% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.96% Transactions 99.96% Coutts Availability by Endpoint Category: November 2025 Account Requests – AIS 95.67% Account Requests – COF 100.00% Accounts 96.35% Balances 97.18% Beneficiaries 96.71% Direct Debits 98.16% Payments – CoF 98.95% Payments – PIS 97.66% Products 97.04% Standing Orders – AIS 95.86% Standing Orders – PIS 96.99% Transactions 97.13% Danske Bank Availability by Endpoint Category: November 2025 Account Requests – AIS 99.65% Account Requests – COF 100.00% Accounts 99.63% Balances 99.66% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.69% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.65% First Direct Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.93% Halifax Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.63% Accounts 99.69% Balances 99.68% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.94% Payments – CoF 99.74% Payments – PIS 99.72% Payments – VRP 99.73% Products 99.72% Standing Orders – AIS 99.71% Standing Orders – PIS 99.69% Statements 99.90% Transactions 99.69% HSBC Business Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.98% HSBC Personal Availability by Endpoint Category: November 2025 Account Requests – AIS 99.99% Account Requests – COF 100.00% Accounts 99.98% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.91% Lloyds Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.61% Accounts 99.70% Balances 99.69% Beneficiaries 99.70% Direct Debits 99.72% Payments – AIS 99.94% Payments – CoF 99.74% Payments – PIS 99.73% Payments – VRP 99.72% Products 99.74% Standing Orders – AIS 99.73% Standing Orders – PIS 99.74% Statements 99.89% Transactions 99.70% MBNA Availability by Endpoint Category: November 2025 Account Requests – AIS 99.71% Accounts 99.70% Balances 99.70% Beneficiaries 99.64% Direct Debits 100.00% Payments – PIS 99.72% Products 99.78% Standing Orders – AIS 100.00% Statements 100.00% Transactions 99.69% Mettle Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: November 2025 Account Requests – AIS 99.98% Account Requests – COF 99.63% Accounts 99.75% Balances 99.98% Beneficiaries 99.79% Direct Debits 99.92% Payments – AIS 100.00% Payments – CoF 99.99% Payments – PIS 99.77% Payments – VRP 99.83% Products 99.90% Standing Orders – AIS 100.00% Standing Orders – PIS 99.69% Statements 100.00% Transactions 99.43% NWB Availability by Endpoint Category: November 2025 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.98% Payments – CoF 99.95% Payments – PIS 99.94% Payments – VRP 99.92% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.93% Statements 99.98% Transactions 99.95% RBS Availability by Endpoint Category: November 2025 Account Requests – AIS 99.93% Account Requests – COF 100.00% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 100.00% Payments – CoF 99.93% Payments – PIS 99.92% Payments – VRP 99.89% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.89% Statements 99.96% Transactions 99.93% Santander UK plc Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: November 2025 Account Requests – AIS 99.91% Account Requests – COF 100.00% Accounts 99.91% Balances 99.91% Beneficiaries 99.90% Direct Debits 99.91% Payments – AIS 100.00% Payments – CoF 99.90% Payments – PIS 99.89% Payments – VRP 99.84% Products 99.91% Standing Orders – AIS 99.91% Standing Orders – PIS 99.84% Statements 100.00% Transactions 99.91%
November 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Average weighted API availability 99.87% Core hours (06:00-00:00) 99.87% Non core hours (00:00-06:00) 99.82%
November 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart
November 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart
November 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart
November 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart
November 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart
November 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 99.24% Payments – VRP 97.26% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 98.78% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 98.62% Payments – VRP 97.56% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 98.77% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: November 2025 Account Requests – AIS 99.58% Account Requests – COF 90.19% Accounts 99.60% Balances 99.61% Beneficiaries 97.68% Payments – AIS 98.91% Payments – CoF 99.89% Payments – PIS 99.64% Payments – VRP 99.48% Products 98.23% Standing Orders – AIS 98.65% Standing Orders – PIS 99.61% Statements 97.59% Transactions 99.61% Bank of Scotland Availability by Endpoint Category: November 2025 Account Requests – AIS 99.74% Account Requests – COF 99.64% Accounts 99.71% Balances 99.71% Beneficiaries 99.70% Direct Debits 99.73% Payments – AIS 100.00% Payments – CoF 99.74% Payments – PIS 99.73% Payments – VRP 99.74% Products 99.76% Standing Orders – AIS 99.73% Standing Orders – PIS 99.70% Statements 100.00% Transactions 99.72% Barclays Availability by Endpoint Category: November 2025 Account Requests – AIS 99.97% Account Requests – COF 99.97% Accounts 99.96% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.98% Payments – PIS 99.97% Payments – VRP 99.97% Products 99.97% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.96% Transactions 99.96% Coutts Availability by Endpoint Category: November 2025 Account Requests – AIS 95.67% Account Requests – COF 100.00% Accounts 96.35% Balances 97.18% Beneficiaries 96.71% Direct Debits 98.16% Payments – CoF 98.95% Payments – PIS 97.66% Products 97.04% Standing Orders – AIS 95.86% Standing Orders – PIS 96.99% Transactions 97.13% Danske Bank Availability by Endpoint Category: November 2025 Account Requests – AIS 99.65% Account Requests – COF 100.00% Accounts 99.63% Balances 99.66% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.69% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.65% First Direct Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.93% Halifax Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.63% Accounts 99.69% Balances 99.68% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.94% Payments – CoF 99.74% Payments – PIS 99.72% Payments – VRP 99.73% Products 99.72% Standing Orders – AIS 99.71% Standing Orders – PIS 99.69% Statements 99.90% Transactions 99.69% HSBC Business Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.98% HSBC Personal Availability by Endpoint Category: November 2025 Account Requests – AIS 99.99% Account Requests – COF 100.00% Accounts 99.98% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.91% Lloyds Availability by Endpoint Category: November 2025 Account Requests – AIS 99.72% Account Requests – COF 99.61% Accounts 99.70% Balances 99.69% Beneficiaries 99.70% Direct Debits 99.72% Payments – AIS 99.94% Payments – CoF 99.74% Payments – PIS 99.73% Payments – VRP 99.72% Products 99.74% Standing Orders – AIS 99.73% Standing Orders – PIS 99.74% Statements 99.89% Transactions 99.70% MBNA Availability by Endpoint Category: November 2025 Account Requests – AIS 99.71% Accounts 99.70% Balances 99.70% Beneficiaries 99.64% Direct Debits 100.00% Payments – PIS 99.72% Products 99.78% Standing Orders – AIS 100.00% Statements 100.00% Transactions 99.69% Mettle Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: November 2025 Account Requests – AIS 99.98% Account Requests – COF 99.63% Accounts 99.75% Balances 99.98% Beneficiaries 99.79% Direct Debits 99.92% Payments – AIS 100.00% Payments – CoF 99.99% Payments – PIS 99.77% Payments – VRP 99.83% Products 99.90% Standing Orders – AIS 100.00% Standing Orders – PIS 99.69% Statements 100.00% Transactions 99.43% NWB Availability by Endpoint Category: November 2025 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.98% Payments – CoF 99.95% Payments – PIS 99.94% Payments – VRP 99.92% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.93% Statements 99.98% Transactions 99.95% RBS Availability by Endpoint Category: November 2025 Account Requests – AIS 99.93% Account Requests – COF 100.00% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 100.00% Payments – CoF 99.93% Payments – PIS 99.92% Payments – VRP 99.89% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.89% Statements 99.96% Transactions 99.93% Santander UK plc Availability by Endpoint Category: November 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: November 2025 Account Requests – AIS 99.91% Account Requests – COF 100.00% Accounts 99.91% Balances 99.91% Beneficiaries 99.90% Direct Debits 99.91% Payments – AIS 100.00% Payments – CoF 99.90% Payments – PIS 99.89% Payments – VRP 99.84% Products 99.91% Standing Orders – AIS 99.91% Standing Orders – PIS 99.84% Statements 100.00% Transactions 99.91%
Average API response times Average API response times by brand Response times by brand November 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Average API Response Time 331 milliseconds November 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): November 2025 Account Requests – AIS 199ms Accounts 150ms Balances 118ms Direct Debits 939ms Payments – CoF 171ms Payments – PIS 155ms Payments – VRP 159ms Products 564ms Standing Orders – AIS 267ms Standing Orders – PIS 145ms Transactions 129ms AIB Group (UK) p.l.c. Response times (milliseconds): November 2025 Account Requests – AIS 119ms Accounts 67ms Balances 39ms Payments – CoF 84ms Payments – PIS 82ms Payments – VRP 76ms Products 197ms Standing Orders – AIS 129ms Standing Orders – PIS 68ms Transactions 48ms Bank of Ireland UK Response times (milliseconds): November 2025 Account Requests – AIS 170ms Account Requests – COF 285ms Accounts 308ms Balances 311ms Beneficiaries 699ms Payments – AIS 353ms Payments – CoF 425ms Payments – PIS 812ms Payments – VRP 1,197ms Products 365ms Standing Orders – AIS 533ms Standing Orders – PIS 522ms Statements 559ms Transactions 354ms Bank of Scotland Response times (milliseconds): November 2025 Account Requests – AIS 203ms Account Requests – COF 282ms Accounts 127ms Balances 142ms Beneficiaries 228ms Direct Debits 215ms Payments – AIS 220ms Payments – CoF 213ms Payments – PIS 378ms Payments – VRP 333ms Products 402ms Standing Orders – AIS 193ms Standing Orders – PIS 406ms Statements 352ms Transactions 231ms Barclays Response times (milliseconds): November 2025 Account Requests – AIS 145ms Account Requests – COF 188ms Accounts 157ms Balances 201ms Beneficiaries 171ms Direct Debits 208ms Payments – AIS 246ms Payments – CoF 262ms Payments – PIS 190ms Payments – VRP 257ms Products 339ms Standing Orders – AIS 210ms Standing Orders – PIS 162ms Statements 72ms Transactions 253ms Coutts Response times (milliseconds): November 2025 Account Requests – AIS 962ms Account Requests – COF 2,086ms Accounts 249ms Balances 283ms Beneficiaries 2,605ms Direct Debits 1,657ms Payments – CoF 368ms Payments – PIS 725ms Products 253ms Standing Orders – AIS 222ms Standing Orders – PIS 637ms Transactions 331ms Danske Bank Response times (milliseconds): November 2025 Account Requests – AIS 73ms Account Requests – COF 4,870ms Accounts 669ms Balances 212ms Beneficiaries 255ms Direct Debits 358ms Payments – AIS 305ms Payments – CoF 124ms Payments – PIS 129ms Payments – VRP 172ms Products 157ms Standing Orders – AIS 340ms Standing Orders – PIS 121ms Transactions 649ms First Direct Response times (milliseconds): November 2025 Account Requests – AIS 148ms Account Requests – COF 315ms Accounts 321ms Balances 350ms Beneficiaries 415ms Direct Debits 419ms Payments – AIS 556ms Payments – CoF 445ms Payments – PIS 304ms Payments – VRP 368ms Products 635ms Standing Orders – AIS 546ms Standing Orders – PIS 409ms Statements 475ms Transactions 522ms Halifax Response times (milliseconds): November 2025 Account Requests – AIS 213ms Account Requests – COF 250ms Accounts 127ms Balances 143ms Beneficiaries 224ms Direct Debits 215ms Payments – AIS 204ms Payments – CoF 212ms Payments – PIS 406ms Payments – VRP 329ms Products 402ms Standing Orders – AIS 193ms Standing Orders – PIS 496ms Statements 354ms Transactions 241ms HSBC Business Response times (milliseconds): November 2025 Account Requests – AIS 190ms Account Requests – COF 304ms Accounts 325ms Balances 316ms Beneficiaries 295ms Direct Debits 569ms Payments – AIS 186ms Payments – CoF 503ms Payments – PIS 539ms Payments – VRP 477ms Products 682ms Standing Orders – AIS 195ms Standing Orders – PIS 346ms Statements 2,482ms Transactions 404ms HSBC Kinetic Response times (milliseconds): November 2025 Account Requests – AIS 157ms Account Requests – COF 298ms Accounts 397ms Balances 396ms Beneficiaries 852ms Direct Debits 1,288ms Payments – AIS 1,367ms Payments – CoF 604ms Payments – PIS 355ms Payments – VRP 442ms Products 1,082ms Standing Orders – AIS 1,263ms Standing Orders – PIS 243ms Statements 2,700ms Transactions 589ms HSBC Personal Response times (milliseconds): November 2025 Account Requests – AIS 166ms Account Requests – COF 302ms Accounts 348ms Balances 380ms Beneficiaries 458ms Direct Debits 446ms Payments – AIS 623ms Payments – CoF 469ms Payments – PIS 346ms Payments – VRP 355ms Products 643ms Standing Orders – AIS 608ms Standing Orders – PIS 303ms Statements 192ms Transactions 558ms Lloyds Response times (milliseconds): November 2025 Account Requests – AIS 214ms Account Requests – COF 246ms Accounts 127ms Balances 141ms Beneficiaries 224ms Direct Debits 215ms Payments – AIS 215ms Payments – CoF 211ms Payments – PIS 407ms Payments – VRP 327ms Products 401ms Standing Orders – AIS 193ms Standing Orders – PIS 493ms Statements 353ms Transactions 231ms MBNA Response times (milliseconds): November 2025 Account Requests – AIS 219ms Accounts 126ms Balances 236ms Beneficiaries 222ms Direct Debits 155ms Payments – PIS 221ms Products 148ms Standing Orders – AIS 144ms Statements 335ms Transactions 421ms Mettle Response times (milliseconds): November 2025 Account Requests – AIS 69ms Accounts 111ms Balances 74ms Beneficiaries 61ms Direct Debits 144ms Payments – AIS 69ms Payments – PIS 174ms Payments – VRP 197ms Products 111ms Standing Orders – AIS 12ms Statements 631ms Transactions 92ms Nationwide Building Society Response times (milliseconds): November 2025 Account Requests – AIS 164ms Account Requests – COF 254ms Accounts 233ms Balances 191ms Beneficiaries 467ms Direct Debits 607ms Payments – AIS 274ms Payments – CoF 281ms Payments – PIS 362ms Payments – VRP 312ms Products 214ms Standing Orders – AIS 233ms Standing Orders – PIS 368ms Statements 351ms Transactions 237ms NWB Response times (milliseconds): November 2025 Account Requests – AIS 154ms Account Requests – COF 383ms Accounts 466ms Balances 431ms Beneficiaries 821ms Direct Debits 238ms Payments – AIS 262ms Payments – CoF 261ms Payments – PIS 353ms Payments – VRP 320ms Products 289ms Standing Orders – AIS 434ms Standing Orders – PIS 301ms Statements 180ms Transactions 522ms RBS Response times (milliseconds): November 2025 Account Requests – AIS 160ms Account Requests – COF 418ms Accounts 451ms Balances 429ms Beneficiaries 879ms Direct Debits 252ms Payments – AIS 284ms Payments – CoF 277ms Payments – PIS 381ms Payments – VRP 359ms Products 285ms Standing Orders – AIS 376ms Standing Orders – PIS 335ms Statements 212ms Transactions 476ms Santander UK plc Response times (milliseconds): November 2025 Account Requests – AIS 251ms Account Requests – COF 327ms Accounts 355ms Balances 401ms Beneficiaries 588ms Direct Debits 483ms Payments – CoF 355ms Payments – PIS 275ms Payments – VRP 238ms Products 345ms Standing Orders – AIS 472ms Standing Orders – PIS 266ms Statements 482ms Transactions 479ms UBN Response times (milliseconds): November 2025 Account Requests – AIS 164ms Account Requests – COF 523ms Accounts 442ms Balances 367ms Beneficiaries 961ms Direct Debits 269ms Payments – AIS 253ms Payments – CoF 294ms Payments – PIS 400ms Payments – VRP 413ms Products 294ms Standing Orders – AIS 305ms Standing Orders – PIS 366ms Statements 203ms Transactions 434ms
November 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Average API Response Time 331 milliseconds
November 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in November. Download chart
November 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): November 2025 Account Requests – AIS 199ms Accounts 150ms Balances 118ms Direct Debits 939ms Payments – CoF 171ms Payments – PIS 155ms Payments – VRP 159ms Products 564ms Standing Orders – AIS 267ms Standing Orders – PIS 145ms Transactions 129ms AIB Group (UK) p.l.c. Response times (milliseconds): November 2025 Account Requests – AIS 119ms Accounts 67ms Balances 39ms Payments – CoF 84ms Payments – PIS 82ms Payments – VRP 76ms Products 197ms Standing Orders – AIS 129ms Standing Orders – PIS 68ms Transactions 48ms Bank of Ireland UK Response times (milliseconds): November 2025 Account Requests – AIS 170ms Account Requests – COF 285ms Accounts 308ms Balances 311ms Beneficiaries 699ms Payments – AIS 353ms Payments – CoF 425ms Payments – PIS 812ms Payments – VRP 1,197ms Products 365ms Standing Orders – AIS 533ms Standing Orders – PIS 522ms Statements 559ms Transactions 354ms Bank of Scotland Response times (milliseconds): November 2025 Account Requests – AIS 203ms Account Requests – COF 282ms Accounts 127ms Balances 142ms Beneficiaries 228ms Direct Debits 215ms Payments – AIS 220ms Payments – CoF 213ms Payments – PIS 378ms Payments – VRP 333ms Products 402ms Standing Orders – AIS 193ms Standing Orders – PIS 406ms Statements 352ms Transactions 231ms Barclays Response times (milliseconds): November 2025 Account Requests – AIS 145ms Account Requests – COF 188ms Accounts 157ms Balances 201ms Beneficiaries 171ms Direct Debits 208ms Payments – AIS 246ms Payments – CoF 262ms Payments – PIS 190ms Payments – VRP 257ms Products 339ms Standing Orders – AIS 210ms Standing Orders – PIS 162ms Statements 72ms Transactions 253ms Coutts Response times (milliseconds): November 2025 Account Requests – AIS 962ms Account Requests – COF 2,086ms Accounts 249ms Balances 283ms Beneficiaries 2,605ms Direct Debits 1,657ms Payments – CoF 368ms Payments – PIS 725ms Products 253ms Standing Orders – AIS 222ms Standing Orders – PIS 637ms Transactions 331ms Danske Bank Response times (milliseconds): November 2025 Account Requests – AIS 73ms Account Requests – COF 4,870ms Accounts 669ms Balances 212ms Beneficiaries 255ms Direct Debits 358ms Payments – AIS 305ms Payments – CoF 124ms Payments – PIS 129ms Payments – VRP 172ms Products 157ms Standing Orders – AIS 340ms Standing Orders – PIS 121ms Transactions 649ms First Direct Response times (milliseconds): November 2025 Account Requests – AIS 148ms Account Requests – COF 315ms Accounts 321ms Balances 350ms Beneficiaries 415ms Direct Debits 419ms Payments – AIS 556ms Payments – CoF 445ms Payments – PIS 304ms Payments – VRP 368ms Products 635ms Standing Orders – AIS 546ms Standing Orders – PIS 409ms Statements 475ms Transactions 522ms Halifax Response times (milliseconds): November 2025 Account Requests – AIS 213ms Account Requests – COF 250ms Accounts 127ms Balances 143ms Beneficiaries 224ms Direct Debits 215ms Payments – AIS 204ms Payments – CoF 212ms Payments – PIS 406ms Payments – VRP 329ms Products 402ms Standing Orders – AIS 193ms Standing Orders – PIS 496ms Statements 354ms Transactions 241ms HSBC Business Response times (milliseconds): November 2025 Account Requests – AIS 190ms Account Requests – COF 304ms Accounts 325ms Balances 316ms Beneficiaries 295ms Direct Debits 569ms Payments – AIS 186ms Payments – CoF 503ms Payments – PIS 539ms Payments – VRP 477ms Products 682ms Standing Orders – AIS 195ms Standing Orders – PIS 346ms Statements 2,482ms Transactions 404ms HSBC Kinetic Response times (milliseconds): November 2025 Account Requests – AIS 157ms Account Requests – COF 298ms Accounts 397ms Balances 396ms Beneficiaries 852ms Direct Debits 1,288ms Payments – AIS 1,367ms Payments – CoF 604ms Payments – PIS 355ms Payments – VRP 442ms Products 1,082ms Standing Orders – AIS 1,263ms Standing Orders – PIS 243ms Statements 2,700ms Transactions 589ms HSBC Personal Response times (milliseconds): November 2025 Account Requests – AIS 166ms Account Requests – COF 302ms Accounts 348ms Balances 380ms Beneficiaries 458ms Direct Debits 446ms Payments – AIS 623ms Payments – CoF 469ms Payments – PIS 346ms Payments – VRP 355ms Products 643ms Standing Orders – AIS 608ms Standing Orders – PIS 303ms Statements 192ms Transactions 558ms Lloyds Response times (milliseconds): November 2025 Account Requests – AIS 214ms Account Requests – COF 246ms Accounts 127ms Balances 141ms Beneficiaries 224ms Direct Debits 215ms Payments – AIS 215ms Payments – CoF 211ms Payments – PIS 407ms Payments – VRP 327ms Products 401ms Standing Orders – AIS 193ms Standing Orders – PIS 493ms Statements 353ms Transactions 231ms MBNA Response times (milliseconds): November 2025 Account Requests – AIS 219ms Accounts 126ms Balances 236ms Beneficiaries 222ms Direct Debits 155ms Payments – PIS 221ms Products 148ms Standing Orders – AIS 144ms Statements 335ms Transactions 421ms Mettle Response times (milliseconds): November 2025 Account Requests – AIS 69ms Accounts 111ms Balances 74ms Beneficiaries 61ms Direct Debits 144ms Payments – AIS 69ms Payments – PIS 174ms Payments – VRP 197ms Products 111ms Standing Orders – AIS 12ms Statements 631ms Transactions 92ms Nationwide Building Society Response times (milliseconds): November 2025 Account Requests – AIS 164ms Account Requests – COF 254ms Accounts 233ms Balances 191ms Beneficiaries 467ms Direct Debits 607ms Payments – AIS 274ms Payments – CoF 281ms Payments – PIS 362ms Payments – VRP 312ms Products 214ms Standing Orders – AIS 233ms Standing Orders – PIS 368ms Statements 351ms Transactions 237ms NWB Response times (milliseconds): November 2025 Account Requests – AIS 154ms Account Requests – COF 383ms Accounts 466ms Balances 431ms Beneficiaries 821ms Direct Debits 238ms Payments – AIS 262ms Payments – CoF 261ms Payments – PIS 353ms Payments – VRP 320ms Products 289ms Standing Orders – AIS 434ms Standing Orders – PIS 301ms Statements 180ms Transactions 522ms RBS Response times (milliseconds): November 2025 Account Requests – AIS 160ms Account Requests – COF 418ms Accounts 451ms Balances 429ms Beneficiaries 879ms Direct Debits 252ms Payments – AIS 284ms Payments – CoF 277ms Payments – PIS 381ms Payments – VRP 359ms Products 285ms Standing Orders – AIS 376ms Standing Orders – PIS 335ms Statements 212ms Transactions 476ms Santander UK plc Response times (milliseconds): November 2025 Account Requests – AIS 251ms Account Requests – COF 327ms Accounts 355ms Balances 401ms Beneficiaries 588ms Direct Debits 483ms Payments – CoF 355ms Payments – PIS 275ms Payments – VRP 238ms Products 345ms Standing Orders – AIS 472ms Standing Orders – PIS 266ms Statements 482ms Transactions 479ms UBN Response times (milliseconds): November 2025 Account Requests – AIS 164ms Account Requests – COF 523ms Accounts 442ms Balances 367ms Beneficiaries 961ms Direct Debits 269ms Payments – AIS 253ms Payments – CoF 294ms Payments – PIS 400ms Payments – VRP 413ms Products 294ms Standing Orders – AIS 305ms Standing Orders – PIS 366ms Statements 203ms Transactions 434ms
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand November 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Successful API calls Total calls 2079342889 % of overall total calls 99.33% AIS Total calls 1644957030 % of overall total calls 99.22% PIS Total calls 139789859 % of overall total calls 99.70% November 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart November 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart
November 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Successful API calls Total calls 2079342889 % of overall total calls 99.33% AIS Total calls 1644957030 % of overall total calls 99.22% PIS Total calls 139789859 % of overall total calls 99.70%
November 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart
November 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart
November 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart
November 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand November 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed API Calls Total calls 14,065,620 % of overall total calls 0.67% Business Total calls 11,515,707 % of overall total calls 0.55% Technical Total calls 2,549,913 % of overall total calls 0.12% Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. November 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed Technical calls Failed Business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. November 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed business calls as % of total calls Volume of failed business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. November 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed technical calls as % of total calls Volume of failed technical calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
November 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed API Calls Total calls 14,065,620 % of overall total calls 0.67% Business Total calls 11,515,707 % of overall total calls 0.55% Technical Total calls 2,549,913 % of overall total calls 0.12% Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
November 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed Technical calls Failed Business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
November 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed business calls as % of total calls Volume of failed business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
November 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Failed technical calls as % of total calls Volume of failed technical calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
Rejected API calls Rejected API calls by brand November 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Rejected API Calls Total calls 2,954,985 % of overall total calls 0.141% HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs. November 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
November 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart Rejected API Calls Total calls 2,954,985 % of overall total calls 0.141% HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
November 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in November. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.