API Performance StatsSelect a month:October 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 October key performance metrics 99.22% Average API availability – unweighted 331ms Average API response time 99.39% Successful API calls (%) 99.80% Average API availability – weighted 2086.2m Successful API calls (actual) 0.61% 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 October 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Average API availability 99.22% Core hours (06:00-00:00) 99.55% Non core hours (00:00-06:00) 98.23% 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. October 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 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 October. 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. October 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 October. 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. October 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 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: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 99.19% Payments – VRP 99.19% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.19% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 99.19% Payments – VRP 99.19% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.19% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: October 2025 Account Requests – AIS 96.94% Account Requests – COF 97.28% Accounts 96.94% Balances 96.94% Beneficiaries 97.28% Payments – AIS 96.94% Payments – CoF 96.76% Payments – PIS 96.76% Payments – VRP 96.76% Products 96.94% Standing Orders – AIS 96.94% Standing Orders – PIS 96.76% Statements 96.94% Transactions 96.94% Bank of Scotland Availability by Endpoint Category: October 2025 Account Requests – AIS 99.59% Account Requests – COF 99.70% Accounts 99.70% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.70% Payments – PIS 99.61% Payments – VRP 99.67% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 99.70% Statements 99.70% Transactions 99.70% Barclays Availability by Endpoint Category: October 2025 Account Requests – AIS 99.46% Account Requests – COF 99.46% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 99.46% Payments – AIS 99.46% Payments – CoF 99.46% Payments – PIS 99.46% Payments – VRP 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Statements 99.46% Transactions 99.46% Coutts Availability by Endpoint Category: October 2025 Account Requests – AIS 95.83% Account Requests – COF 100.00% Accounts 95.83% Balances 95.83% Beneficiaries 97.04% Direct Debits 99.73% Payments – CoF 97.98% Payments – PIS 95.83% Products 96.64% Standing Orders – AIS 97.04% Standing Orders – PIS 97.18% Statements 100.00% Transactions 95.83% Danske Bank Availability by Endpoint Category: October 2025 Account Requests – AIS 99.70% Account Requests – COF 100.00% Accounts 99.64% Balances 99.65% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.71% Payments – PIS 99.69% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.64% First Direct Availability by Endpoint Category: October 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 99.91% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 99.70% Accounts 99.70% Balances 99.69% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.70% Payments – PIS 99.54% Payments – VRP 99.70% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 99.70% Statements 99.70% Transactions 99.68% HSBC Business Availability by Endpoint Category: October 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: October 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 Personal Availability by Endpoint Category: October 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 99.90% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 99.70% Accounts 99.70% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.70% Payments – PIS 99.45% Payments – VRP 99.66% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 99.70% Statements 99.70% Transactions 99.69% MBNA Availability by Endpoint Category: October 2025 Account Requests – AIS 99.57% Account Requests – COF 100.00% Accounts 99.70% Balances 99.64% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 100.00% Payments – PIS 99.70% Payments – VRP 100.00% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 100.00% Statements 99.70% Transactions 99.65% Mettle Availability by Endpoint Category: October 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 99.99% 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: October 2025 Account Requests – AIS 100.00% Account Requests – COF 98.99% Accounts 99.55% Balances 99.60% Beneficiaries 98.99% Direct Debits 99.20% Payments – AIS 99.20% Payments – CoF 99.98% Payments – PIS 98.94% Payments – VRP 98.87% Products 99.26% Standing Orders – AIS 99.16% Standing Orders – PIS 100.00% Statements 100.00% Transactions 98.94% NWB Availability by Endpoint Category: October 2025 Account Requests – AIS 99.48% Account Requests – COF 100.00% Accounts 99.48% Balances 99.48% Beneficiaries 99.48% Direct Debits 99.48% Payments – AIS 99.98% Payments – CoF 99.48% Payments – PIS 99.48% Payments – VRP 99.48% Products 99.48% Standing Orders – AIS 99.48% Standing Orders – PIS 99.48% Statements 99.97% Transactions 99.48% RBS Availability by Endpoint Category: October 2025 Account Requests – AIS 99.46% Account Requests – COF 100.00% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 99.46% Payments – AIS 99.46% Payments – CoF 99.46% Payments – PIS 99.46% Payments – VRP 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Statements 99.96% Transactions 99.46% Santander UK plc Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 99.69% Accounts 99.68% Balances 99.68% Beneficiaries 99.68% Direct Debits 99.68% Payments – AIS 100.00% Payments – CoF 99.69% Payments – PIS 99.69% Payments – VRP 99.69% Products 99.68% Standing Orders – AIS 99.68% Standing Orders – PIS 99.69% Statements 99.68% Transactions 99.68% UBN Availability by Endpoint Category: October 2025 Account Requests – AIS 99.45% Account Requests – COF 100.00% Accounts 99.45% Balances 99.45% Beneficiaries 99.45% Direct Debits 99.45% Payments – AIS 99.95% Payments – CoF 99.45% Payments – PIS 99.45% Payments – VRP 99.45% Products 99.45% Standing Orders – AIS 99.45% Standing Orders – PIS 99.45% Statements 100.00% Transactions 99.45% 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 October 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Average weighted API availability 99.80% Core hours (06:00-00:00) 99.86% Non core hours (00:00-06:00) 99.16% October 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 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 October. Download chart October 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 October. Download chart October 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 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: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 99.76% Payments – VRP 98.74% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.73% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 99.79% Payments – VRP 98.57% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.73% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: October 2025 Account Requests – AIS 98.32% Account Requests – COF 85.52% Accounts 98.41% Balances 98.55% Beneficiaries 93.92% Payments – AIS 97.75% Payments – CoF 99.21% Payments – PIS 98.33% Payments – VRP 95.04% Products 97.75% Standing Orders – AIS 98.39% Standing Orders – PIS 98.32% Statements 91.81% Transactions 98.57% Bank of Scotland Availability by Endpoint Category: October 2025 Account Requests – AIS 99.59% Account Requests – COF 99.65% Accounts 99.70% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.64% Payments – CoF 99.74% Payments – PIS 99.71% Payments – VRP 99.69% Products 99.72% Standing Orders – AIS 99.70% Standing Orders – PIS 99.73% Statements 99.65% Transactions 99.70% Barclays Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 99.94% Accounts 99.82% Balances 99.88% Beneficiaries 98.86% Direct Debits 99.87% Payments – AIS 99.74% Payments – CoF 99.97% Payments – PIS 99.96% Payments – VRP 99.89% Products 99.18% Standing Orders – AIS 99.79% Standing Orders – PIS 99.92% Statements 99.67% Transactions 99.89% Coutts Availability by Endpoint Category: October 2025 Account Requests – AIS 95.59% Account Requests – COF 100.00% Accounts 96.64% Balances 97.90% Beneficiaries 97.31% Direct Debits 99.22% Payments – CoF 99.50% Payments – PIS 98.36% Products 98.14% Standing Orders – AIS 95.52% Standing Orders – PIS 98.15% Statements 100.00% Transactions 97.86% Danske Bank Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 100.00% Accounts 99.62% Balances 99.64% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.51% Payments – PIS 99.54% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.62% First Direct Availability by Endpoint Category: October 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 99.94% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 99.69% Accounts 99.69% Balances 99.68% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.74% Payments – PIS 99.69% Payments – VRP 99.67% Products 99.69% Standing Orders – AIS 99.70% Standing Orders – PIS 99.79% Statements 99.69% Transactions 99.67% HSBC Business Availability by Endpoint Category: October 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: October 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 Personal Availability by Endpoint Category: October 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 99.96% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: October 2025 Account Requests – AIS 99.62% Account Requests – COF 99.70% Accounts 99.69% Balances 99.69% Beneficiaries 99.70% Direct Debits 99.69% Payments – AIS 99.70% Payments – CoF 99.74% Payments – PIS 99.68% Payments – VRP 99.70% Products 99.70% Standing Orders – AIS 99.69% Standing Orders – PIS 99.66% Statements 99.68% Transactions 99.69% MBNA Availability by Endpoint Category: October 2025 Account Requests – AIS 99.56% Accounts 99.70% Balances 99.62% Beneficiaries 99.72% Direct Debits 99.70% Payments – AIS 99.70% Payments – PIS 99.77% Products 99.71% Standing Orders – AIS 99.70% Statements 99.70% Transactions 99.64% Mettle Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 99.99% Direct Debits 99.99% Payments – AIS 99.99% Payments – PIS 99.99% Payments – VRP 99.99% Products 99.99% Standing Orders – AIS 99.99% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Account Requests – COF 99.58% Accounts 99.91% Balances 99.95% Beneficiaries 99.65% Direct Debits 99.59% Payments – AIS 99.54% Payments – CoF 99.99% Payments – PIS 99.88% Payments – VRP 99.75% Products 99.81% Standing Orders – AIS 99.62% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.39% NWB Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 100.00% Accounts 99.74% Balances 99.84% Beneficiaries 99.25% Direct Debits 99.91% Payments – AIS 100.00% Payments – CoF 99.94% Payments – PIS 99.89% Payments – VRP 99.42% Products 99.29% Standing Orders – AIS 99.75% Standing Orders – PIS 99.93% Statements 99.98% Transactions 99.84% RBS Availability by Endpoint Category: October 2025 Account Requests – AIS 99.63% Account Requests – COF 100.00% Accounts 99.70% Balances 99.80% Beneficiaries 99.19% Direct Debits 99.91% Payments – AIS 99.93% Payments – CoF 99.91% Payments – PIS 99.87% Payments – VRP 99.55% Products 99.10% Standing Orders – AIS 99.74% Standing Orders – PIS 99.87% Statements 99.99% Transactions 99.81% Santander UK plc Availability by Endpoint Category: October 2025 Account Requests – AIS 99.75% Account Requests – COF 99.82% Accounts 99.79% Balances 99.80% Beneficiaries 99.82% Direct Debits 99.80% Payments – CoF 99.89% Payments – PIS 99.87% Payments – VRP 99.87% Products 99.50% Standing Orders – AIS 99.79% Standing Orders – PIS 99.81% Statements 99.85% Transactions 99.81% UBN Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 100.00% Accounts 99.62% Balances 99.78% Beneficiaries 99.17% Direct Debits 99.89% Payments – AIS 99.95% Payments – CoF 99.91% Payments – PIS 99.82% Payments – VRP 99.53% Products 99.07% Standing Orders – AIS 99.78% Standing Orders – PIS 99.84% Statements 100.00% Transactions 99.78% Average API response times Average API response times by brand Response times by brand October 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Average API Response Time 331 milliseconds October 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 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): October 2025 Account Requests – AIS 192ms Accounts 142ms Balances 110ms Direct Debits 1,277ms Payments – CoF 164ms Payments – PIS 155ms Payments – VRP 155ms Products 465ms Standing Orders – AIS 317ms Standing Orders – PIS 133ms Transactions 121ms AIB Group (UK) p.l.c. Response times (milliseconds): October 2025 Account Requests – AIS 117ms Accounts 69ms Balances 38ms Payments – CoF 108ms Payments – PIS 66ms Payments – VRP 137ms Products 355ms Standing Orders – AIS 205ms Standing Orders – PIS 145ms Transactions 48ms Bank of Ireland UK Response times (milliseconds): October 2025 Account Requests – AIS 171ms Account Requests – COF 392ms Accounts 300ms Balances 302ms Beneficiaries 1,509ms Payments – AIS 234ms Payments – CoF 420ms Payments – PIS 850ms Payments – VRP 837ms Products 366ms Standing Orders – AIS 245ms Standing Orders – PIS 672ms Statements 1,470ms Transactions 337ms Bank of Scotland Response times (milliseconds): October 2025 Account Requests – AIS 204ms Account Requests – COF 271ms Accounts 139ms Balances 145ms Beneficiaries 222ms Direct Debits 215ms Payments – AIS 197ms Payments – CoF 216ms Payments – PIS 451ms Payments – VRP 337ms Products 410ms Standing Orders – AIS 194ms Standing Orders – PIS 514ms Statements 356ms Transactions 230ms Barclays Response times (milliseconds): October 2025 Account Requests – AIS 138ms Account Requests – COF 173ms Accounts 175ms Balances 197ms Beneficiaries 225ms Direct Debits 205ms Payments – AIS 238ms Payments – CoF 258ms Payments – PIS 180ms Payments – VRP 253ms Products 334ms Standing Orders – AIS 203ms Standing Orders – PIS 169ms Statements 88ms Transactions 249ms Coutts Response times (milliseconds): October 2025 Account Requests – AIS 960ms Account Requests – COF 1,277ms Accounts 239ms Balances 268ms Beneficiaries 2,736ms Direct Debits 2,410ms Payments – CoF 366ms Payments – PIS 813ms Products 248ms Standing Orders – AIS 218ms Standing Orders – PIS 558ms Statements 170ms Transactions 286ms Danske Bank Response times (milliseconds): October 2025 Account Requests – AIS 59ms Account Requests – COF 255ms Accounts 511ms Balances 194ms Beneficiaries 315ms Direct Debits 324ms Payments – AIS 337ms Payments – CoF 104ms Payments – PIS 102ms Payments – VRP 190ms Products 133ms Standing Orders – AIS 300ms Standing Orders – PIS 69ms Transactions 582ms First Direct Response times (milliseconds): October 2025 Account Requests – AIS 149ms Account Requests – COF 309ms Accounts 296ms Balances 295ms Beneficiaries 498ms Direct Debits 322ms Payments – AIS 517ms Payments – CoF 437ms Payments – PIS 295ms Payments – VRP 384ms Products 587ms Standing Orders – AIS 539ms Standing Orders – PIS 431ms Statements 265ms Transactions 468ms Halifax Response times (milliseconds): October 2025 Account Requests – AIS 219ms Account Requests – COF 250ms Accounts 140ms Balances 146ms Beneficiaries 225ms Direct Debits 215ms Payments – AIS 196ms Payments – CoF 275ms Payments – PIS 536ms Payments – VRP 319ms Products 409ms Standing Orders – AIS 194ms Standing Orders – PIS 515ms Statements 348ms Transactions 240ms HSBC Business Response times (milliseconds): October 2025 Account Requests – AIS 192ms Account Requests – COF 307ms Accounts 343ms Balances 335ms Beneficiaries 332ms Direct Debits 656ms Payments – AIS 259ms Payments – CoF 497ms Payments – PIS 544ms Payments – VRP 455ms Products 668ms Standing Orders – AIS 287ms Standing Orders – PIS 280ms Statements 1,393ms Transactions 420ms HSBC Kinetic Response times (milliseconds): October 2025 Account Requests – AIS 158ms Account Requests – COF 292ms Accounts 400ms Balances 397ms Beneficiaries 696ms Direct Debits 1,095ms Payments – AIS 1,230ms Payments – CoF 580ms Payments – PIS 330ms Payments – VRP 445ms Products 1,014ms Standing Orders – AIS 1,068ms Standing Orders – PIS 256ms Statements 3,381ms Transactions 584ms HSBC Personal Response times (milliseconds): October 2025 Account Requests – AIS 168ms Account Requests – COF 297ms Accounts 329ms Balances 323ms Beneficiaries 467ms Direct Debits 350ms Payments – AIS 587ms Payments – CoF 464ms Payments – PIS 303ms Payments – VRP 370ms Products 596ms Standing Orders – AIS 611ms Standing Orders – PIS 300ms Statements 145ms Transactions 493ms Lloyds Response times (milliseconds): October 2025 Account Requests – AIS 220ms Account Requests – COF 248ms Accounts 139ms Balances 144ms Beneficiaries 224ms Direct Debits 214ms Payments – AIS 196ms Payments – CoF 214ms Payments – PIS 475ms Payments – VRP 317ms Products 409ms Standing Orders – AIS 194ms Standing Orders – PIS 476ms Statements 327ms Transactions 229ms MBNA Response times (milliseconds): October 2025 Account Requests – AIS 223ms Accounts 199ms Balances 239ms Beneficiaries 220ms Direct Debits 152ms Payments – AIS 154ms Payments – PIS 235ms Products 150ms Standing Orders – AIS 153ms Statements 297ms Transactions 428ms Mettle Response times (milliseconds): October 2025 Account Requests – AIS 75ms Accounts 108ms Balances 68ms Beneficiaries 64ms Direct Debits 139ms Payments – AIS 67ms Payments – PIS 157ms Payments – VRP 217ms Products 108ms Standing Orders – AIS 14ms Statements 438ms Transactions 91ms Nationwide Building Society Response times (milliseconds): October 2025 Account Requests – AIS 155ms Account Requests – COF 243ms Accounts 227ms Balances 184ms Beneficiaries 707ms Direct Debits 596ms Payments – AIS 270ms Payments – CoF 265ms Payments – PIS 368ms Payments – VRP 302ms Products 207ms Standing Orders – AIS 219ms Standing Orders – PIS 405ms Statements 406ms Transactions 231ms NWB Response times (milliseconds): October 2025 Account Requests – AIS 155ms Account Requests – COF 379ms Accounts 471ms Balances 435ms Beneficiaries 793ms Direct Debits 239ms Payments – AIS 229ms Payments – CoF 261ms Payments – PIS 342ms Payments – VRP 318ms Products 293ms Standing Orders – AIS 405ms Standing Orders – PIS 282ms Statements 207ms Transactions 519ms RBS Response times (milliseconds): October 2025 Account Requests – AIS 165ms Account Requests – COF 412ms Accounts 459ms Balances 432ms Beneficiaries 860ms Direct Debits 256ms Payments – AIS 292ms Payments – CoF 277ms Payments – PIS 382ms Payments – VRP 362ms Products 289ms Standing Orders – AIS 303ms Standing Orders – PIS 284ms Statements 285ms Transactions 480ms Santander UK plc Response times (milliseconds): October 2025 Account Requests – AIS 255ms Account Requests – COF 333ms Accounts 359ms Balances 404ms Beneficiaries 590ms Direct Debits 469ms Payments – CoF 359ms Payments – PIS 275ms Payments – VRP 248ms Products 354ms Standing Orders – AIS 458ms Standing Orders – PIS 269ms Statements 417ms Transactions 483ms UBN Response times (milliseconds): October 2025 Account Requests – AIS 169ms Account Requests – COF 530ms Accounts 461ms Balances 398ms Beneficiaries 878ms Direct Debits 270ms Payments – AIS 285ms Payments – CoF 295ms Payments – PIS 388ms Payments – VRP 418ms Products 298ms Standing Orders – AIS 281ms Standing Orders – PIS 225ms Statements 168ms Transactions 458ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand October 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Successful API calls Total calls 2086152416 % of overall total calls 99.39% AIS Total calls 1666274918 % of overall total calls 99.31% PIS Total calls 137528659 % of overall total calls 99.73% October 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 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 October. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand October 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Failed API Calls Total calls 12,698,874 % of overall total calls 0.61% Business Total calls 8,827,842 % of overall total calls 0.42% Technical Total calls 3,871,032 % of overall total calls 0.18% 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. October 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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 October 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Rejected API Calls Total calls 2,779,078 % of overall total calls 0.132% 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. October 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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:October 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
October key performance metrics 99.22% Average API availability – unweighted 331ms Average API response time 99.39% Successful API calls (%) 99.80% Average API availability – weighted 2086.2m Successful API calls (actual) 0.61% 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 October 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Average API availability 99.22% Core hours (06:00-00:00) 99.55% Non core hours (00:00-06:00) 98.23% 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. October 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 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 October. 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. October 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 October. 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. October 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 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: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 99.19% Payments – VRP 99.19% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.19% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 99.19% Payments – VRP 99.19% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.19% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: October 2025 Account Requests – AIS 96.94% Account Requests – COF 97.28% Accounts 96.94% Balances 96.94% Beneficiaries 97.28% Payments – AIS 96.94% Payments – CoF 96.76% Payments – PIS 96.76% Payments – VRP 96.76% Products 96.94% Standing Orders – AIS 96.94% Standing Orders – PIS 96.76% Statements 96.94% Transactions 96.94% Bank of Scotland Availability by Endpoint Category: October 2025 Account Requests – AIS 99.59% Account Requests – COF 99.70% Accounts 99.70% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.70% Payments – PIS 99.61% Payments – VRP 99.67% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 99.70% Statements 99.70% Transactions 99.70% Barclays Availability by Endpoint Category: October 2025 Account Requests – AIS 99.46% Account Requests – COF 99.46% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 99.46% Payments – AIS 99.46% Payments – CoF 99.46% Payments – PIS 99.46% Payments – VRP 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Statements 99.46% Transactions 99.46% Coutts Availability by Endpoint Category: October 2025 Account Requests – AIS 95.83% Account Requests – COF 100.00% Accounts 95.83% Balances 95.83% Beneficiaries 97.04% Direct Debits 99.73% Payments – CoF 97.98% Payments – PIS 95.83% Products 96.64% Standing Orders – AIS 97.04% Standing Orders – PIS 97.18% Statements 100.00% Transactions 95.83% Danske Bank Availability by Endpoint Category: October 2025 Account Requests – AIS 99.70% Account Requests – COF 100.00% Accounts 99.64% Balances 99.65% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.71% Payments – PIS 99.69% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.64% First Direct Availability by Endpoint Category: October 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 99.91% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 99.70% Accounts 99.70% Balances 99.69% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.70% Payments – PIS 99.54% Payments – VRP 99.70% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 99.70% Statements 99.70% Transactions 99.68% HSBC Business Availability by Endpoint Category: October 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: October 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 Personal Availability by Endpoint Category: October 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 99.90% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 99.70% Accounts 99.70% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.70% Payments – PIS 99.45% Payments – VRP 99.66% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 99.70% Statements 99.70% Transactions 99.69% MBNA Availability by Endpoint Category: October 2025 Account Requests – AIS 99.57% Account Requests – COF 100.00% Accounts 99.70% Balances 99.64% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 100.00% Payments – PIS 99.70% Payments – VRP 100.00% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 100.00% Statements 99.70% Transactions 99.65% Mettle Availability by Endpoint Category: October 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 99.99% 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: October 2025 Account Requests – AIS 100.00% Account Requests – COF 98.99% Accounts 99.55% Balances 99.60% Beneficiaries 98.99% Direct Debits 99.20% Payments – AIS 99.20% Payments – CoF 99.98% Payments – PIS 98.94% Payments – VRP 98.87% Products 99.26% Standing Orders – AIS 99.16% Standing Orders – PIS 100.00% Statements 100.00% Transactions 98.94% NWB Availability by Endpoint Category: October 2025 Account Requests – AIS 99.48% Account Requests – COF 100.00% Accounts 99.48% Balances 99.48% Beneficiaries 99.48% Direct Debits 99.48% Payments – AIS 99.98% Payments – CoF 99.48% Payments – PIS 99.48% Payments – VRP 99.48% Products 99.48% Standing Orders – AIS 99.48% Standing Orders – PIS 99.48% Statements 99.97% Transactions 99.48% RBS Availability by Endpoint Category: October 2025 Account Requests – AIS 99.46% Account Requests – COF 100.00% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 99.46% Payments – AIS 99.46% Payments – CoF 99.46% Payments – PIS 99.46% Payments – VRP 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Statements 99.96% Transactions 99.46% Santander UK plc Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 99.69% Accounts 99.68% Balances 99.68% Beneficiaries 99.68% Direct Debits 99.68% Payments – AIS 100.00% Payments – CoF 99.69% Payments – PIS 99.69% Payments – VRP 99.69% Products 99.68% Standing Orders – AIS 99.68% Standing Orders – PIS 99.69% Statements 99.68% Transactions 99.68% UBN Availability by Endpoint Category: October 2025 Account Requests – AIS 99.45% Account Requests – COF 100.00% Accounts 99.45% Balances 99.45% Beneficiaries 99.45% Direct Debits 99.45% Payments – AIS 99.95% Payments – CoF 99.45% Payments – PIS 99.45% Payments – VRP 99.45% Products 99.45% Standing Orders – AIS 99.45% Standing Orders – PIS 99.45% Statements 100.00% Transactions 99.45% 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 October 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Average weighted API availability 99.80% Core hours (06:00-00:00) 99.86% Non core hours (00:00-06:00) 99.16% October 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 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 October. Download chart October 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 October. Download chart October 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 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: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 99.76% Payments – VRP 98.74% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.73% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 99.79% Payments – VRP 98.57% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.73% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: October 2025 Account Requests – AIS 98.32% Account Requests – COF 85.52% Accounts 98.41% Balances 98.55% Beneficiaries 93.92% Payments – AIS 97.75% Payments – CoF 99.21% Payments – PIS 98.33% Payments – VRP 95.04% Products 97.75% Standing Orders – AIS 98.39% Standing Orders – PIS 98.32% Statements 91.81% Transactions 98.57% Bank of Scotland Availability by Endpoint Category: October 2025 Account Requests – AIS 99.59% Account Requests – COF 99.65% Accounts 99.70% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.64% Payments – CoF 99.74% Payments – PIS 99.71% Payments – VRP 99.69% Products 99.72% Standing Orders – AIS 99.70% Standing Orders – PIS 99.73% Statements 99.65% Transactions 99.70% Barclays Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 99.94% Accounts 99.82% Balances 99.88% Beneficiaries 98.86% Direct Debits 99.87% Payments – AIS 99.74% Payments – CoF 99.97% Payments – PIS 99.96% Payments – VRP 99.89% Products 99.18% Standing Orders – AIS 99.79% Standing Orders – PIS 99.92% Statements 99.67% Transactions 99.89% Coutts Availability by Endpoint Category: October 2025 Account Requests – AIS 95.59% Account Requests – COF 100.00% Accounts 96.64% Balances 97.90% Beneficiaries 97.31% Direct Debits 99.22% Payments – CoF 99.50% Payments – PIS 98.36% Products 98.14% Standing Orders – AIS 95.52% Standing Orders – PIS 98.15% Statements 100.00% Transactions 97.86% Danske Bank Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 100.00% Accounts 99.62% Balances 99.64% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.51% Payments – PIS 99.54% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.62% First Direct Availability by Endpoint Category: October 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 99.94% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 99.69% Accounts 99.69% Balances 99.68% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.74% Payments – PIS 99.69% Payments – VRP 99.67% Products 99.69% Standing Orders – AIS 99.70% Standing Orders – PIS 99.79% Statements 99.69% Transactions 99.67% HSBC Business Availability by Endpoint Category: October 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: October 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 Personal Availability by Endpoint Category: October 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 99.96% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: October 2025 Account Requests – AIS 99.62% Account Requests – COF 99.70% Accounts 99.69% Balances 99.69% Beneficiaries 99.70% Direct Debits 99.69% Payments – AIS 99.70% Payments – CoF 99.74% Payments – PIS 99.68% Payments – VRP 99.70% Products 99.70% Standing Orders – AIS 99.69% Standing Orders – PIS 99.66% Statements 99.68% Transactions 99.69% MBNA Availability by Endpoint Category: October 2025 Account Requests – AIS 99.56% Accounts 99.70% Balances 99.62% Beneficiaries 99.72% Direct Debits 99.70% Payments – AIS 99.70% Payments – PIS 99.77% Products 99.71% Standing Orders – AIS 99.70% Statements 99.70% Transactions 99.64% Mettle Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 99.99% Direct Debits 99.99% Payments – AIS 99.99% Payments – PIS 99.99% Payments – VRP 99.99% Products 99.99% Standing Orders – AIS 99.99% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Account Requests – COF 99.58% Accounts 99.91% Balances 99.95% Beneficiaries 99.65% Direct Debits 99.59% Payments – AIS 99.54% Payments – CoF 99.99% Payments – PIS 99.88% Payments – VRP 99.75% Products 99.81% Standing Orders – AIS 99.62% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.39% NWB Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 100.00% Accounts 99.74% Balances 99.84% Beneficiaries 99.25% Direct Debits 99.91% Payments – AIS 100.00% Payments – CoF 99.94% Payments – PIS 99.89% Payments – VRP 99.42% Products 99.29% Standing Orders – AIS 99.75% Standing Orders – PIS 99.93% Statements 99.98% Transactions 99.84% RBS Availability by Endpoint Category: October 2025 Account Requests – AIS 99.63% Account Requests – COF 100.00% Accounts 99.70% Balances 99.80% Beneficiaries 99.19% Direct Debits 99.91% Payments – AIS 99.93% Payments – CoF 99.91% Payments – PIS 99.87% Payments – VRP 99.55% Products 99.10% Standing Orders – AIS 99.74% Standing Orders – PIS 99.87% Statements 99.99% Transactions 99.81% Santander UK plc Availability by Endpoint Category: October 2025 Account Requests – AIS 99.75% Account Requests – COF 99.82% Accounts 99.79% Balances 99.80% Beneficiaries 99.82% Direct Debits 99.80% Payments – CoF 99.89% Payments – PIS 99.87% Payments – VRP 99.87% Products 99.50% Standing Orders – AIS 99.79% Standing Orders – PIS 99.81% Statements 99.85% Transactions 99.81% UBN Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 100.00% Accounts 99.62% Balances 99.78% Beneficiaries 99.17% Direct Debits 99.89% Payments – AIS 99.95% Payments – CoF 99.91% Payments – PIS 99.82% Payments – VRP 99.53% Products 99.07% Standing Orders – AIS 99.78% Standing Orders – PIS 99.84% Statements 100.00% Transactions 99.78% Average API response times Average API response times by brand Response times by brand October 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Average API Response Time 331 milliseconds October 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 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): October 2025 Account Requests – AIS 192ms Accounts 142ms Balances 110ms Direct Debits 1,277ms Payments – CoF 164ms Payments – PIS 155ms Payments – VRP 155ms Products 465ms Standing Orders – AIS 317ms Standing Orders – PIS 133ms Transactions 121ms AIB Group (UK) p.l.c. Response times (milliseconds): October 2025 Account Requests – AIS 117ms Accounts 69ms Balances 38ms Payments – CoF 108ms Payments – PIS 66ms Payments – VRP 137ms Products 355ms Standing Orders – AIS 205ms Standing Orders – PIS 145ms Transactions 48ms Bank of Ireland UK Response times (milliseconds): October 2025 Account Requests – AIS 171ms Account Requests – COF 392ms Accounts 300ms Balances 302ms Beneficiaries 1,509ms Payments – AIS 234ms Payments – CoF 420ms Payments – PIS 850ms Payments – VRP 837ms Products 366ms Standing Orders – AIS 245ms Standing Orders – PIS 672ms Statements 1,470ms Transactions 337ms Bank of Scotland Response times (milliseconds): October 2025 Account Requests – AIS 204ms Account Requests – COF 271ms Accounts 139ms Balances 145ms Beneficiaries 222ms Direct Debits 215ms Payments – AIS 197ms Payments – CoF 216ms Payments – PIS 451ms Payments – VRP 337ms Products 410ms Standing Orders – AIS 194ms Standing Orders – PIS 514ms Statements 356ms Transactions 230ms Barclays Response times (milliseconds): October 2025 Account Requests – AIS 138ms Account Requests – COF 173ms Accounts 175ms Balances 197ms Beneficiaries 225ms Direct Debits 205ms Payments – AIS 238ms Payments – CoF 258ms Payments – PIS 180ms Payments – VRP 253ms Products 334ms Standing Orders – AIS 203ms Standing Orders – PIS 169ms Statements 88ms Transactions 249ms Coutts Response times (milliseconds): October 2025 Account Requests – AIS 960ms Account Requests – COF 1,277ms Accounts 239ms Balances 268ms Beneficiaries 2,736ms Direct Debits 2,410ms Payments – CoF 366ms Payments – PIS 813ms Products 248ms Standing Orders – AIS 218ms Standing Orders – PIS 558ms Statements 170ms Transactions 286ms Danske Bank Response times (milliseconds): October 2025 Account Requests – AIS 59ms Account Requests – COF 255ms Accounts 511ms Balances 194ms Beneficiaries 315ms Direct Debits 324ms Payments – AIS 337ms Payments – CoF 104ms Payments – PIS 102ms Payments – VRP 190ms Products 133ms Standing Orders – AIS 300ms Standing Orders – PIS 69ms Transactions 582ms First Direct Response times (milliseconds): October 2025 Account Requests – AIS 149ms Account Requests – COF 309ms Accounts 296ms Balances 295ms Beneficiaries 498ms Direct Debits 322ms Payments – AIS 517ms Payments – CoF 437ms Payments – PIS 295ms Payments – VRP 384ms Products 587ms Standing Orders – AIS 539ms Standing Orders – PIS 431ms Statements 265ms Transactions 468ms Halifax Response times (milliseconds): October 2025 Account Requests – AIS 219ms Account Requests – COF 250ms Accounts 140ms Balances 146ms Beneficiaries 225ms Direct Debits 215ms Payments – AIS 196ms Payments – CoF 275ms Payments – PIS 536ms Payments – VRP 319ms Products 409ms Standing Orders – AIS 194ms Standing Orders – PIS 515ms Statements 348ms Transactions 240ms HSBC Business Response times (milliseconds): October 2025 Account Requests – AIS 192ms Account Requests – COF 307ms Accounts 343ms Balances 335ms Beneficiaries 332ms Direct Debits 656ms Payments – AIS 259ms Payments – CoF 497ms Payments – PIS 544ms Payments – VRP 455ms Products 668ms Standing Orders – AIS 287ms Standing Orders – PIS 280ms Statements 1,393ms Transactions 420ms HSBC Kinetic Response times (milliseconds): October 2025 Account Requests – AIS 158ms Account Requests – COF 292ms Accounts 400ms Balances 397ms Beneficiaries 696ms Direct Debits 1,095ms Payments – AIS 1,230ms Payments – CoF 580ms Payments – PIS 330ms Payments – VRP 445ms Products 1,014ms Standing Orders – AIS 1,068ms Standing Orders – PIS 256ms Statements 3,381ms Transactions 584ms HSBC Personal Response times (milliseconds): October 2025 Account Requests – AIS 168ms Account Requests – COF 297ms Accounts 329ms Balances 323ms Beneficiaries 467ms Direct Debits 350ms Payments – AIS 587ms Payments – CoF 464ms Payments – PIS 303ms Payments – VRP 370ms Products 596ms Standing Orders – AIS 611ms Standing Orders – PIS 300ms Statements 145ms Transactions 493ms Lloyds Response times (milliseconds): October 2025 Account Requests – AIS 220ms Account Requests – COF 248ms Accounts 139ms Balances 144ms Beneficiaries 224ms Direct Debits 214ms Payments – AIS 196ms Payments – CoF 214ms Payments – PIS 475ms Payments – VRP 317ms Products 409ms Standing Orders – AIS 194ms Standing Orders – PIS 476ms Statements 327ms Transactions 229ms MBNA Response times (milliseconds): October 2025 Account Requests – AIS 223ms Accounts 199ms Balances 239ms Beneficiaries 220ms Direct Debits 152ms Payments – AIS 154ms Payments – PIS 235ms Products 150ms Standing Orders – AIS 153ms Statements 297ms Transactions 428ms Mettle Response times (milliseconds): October 2025 Account Requests – AIS 75ms Accounts 108ms Balances 68ms Beneficiaries 64ms Direct Debits 139ms Payments – AIS 67ms Payments – PIS 157ms Payments – VRP 217ms Products 108ms Standing Orders – AIS 14ms Statements 438ms Transactions 91ms Nationwide Building Society Response times (milliseconds): October 2025 Account Requests – AIS 155ms Account Requests – COF 243ms Accounts 227ms Balances 184ms Beneficiaries 707ms Direct Debits 596ms Payments – AIS 270ms Payments – CoF 265ms Payments – PIS 368ms Payments – VRP 302ms Products 207ms Standing Orders – AIS 219ms Standing Orders – PIS 405ms Statements 406ms Transactions 231ms NWB Response times (milliseconds): October 2025 Account Requests – AIS 155ms Account Requests – COF 379ms Accounts 471ms Balances 435ms Beneficiaries 793ms Direct Debits 239ms Payments – AIS 229ms Payments – CoF 261ms Payments – PIS 342ms Payments – VRP 318ms Products 293ms Standing Orders – AIS 405ms Standing Orders – PIS 282ms Statements 207ms Transactions 519ms RBS Response times (milliseconds): October 2025 Account Requests – AIS 165ms Account Requests – COF 412ms Accounts 459ms Balances 432ms Beneficiaries 860ms Direct Debits 256ms Payments – AIS 292ms Payments – CoF 277ms Payments – PIS 382ms Payments – VRP 362ms Products 289ms Standing Orders – AIS 303ms Standing Orders – PIS 284ms Statements 285ms Transactions 480ms Santander UK plc Response times (milliseconds): October 2025 Account Requests – AIS 255ms Account Requests – COF 333ms Accounts 359ms Balances 404ms Beneficiaries 590ms Direct Debits 469ms Payments – CoF 359ms Payments – PIS 275ms Payments – VRP 248ms Products 354ms Standing Orders – AIS 458ms Standing Orders – PIS 269ms Statements 417ms Transactions 483ms UBN Response times (milliseconds): October 2025 Account Requests – AIS 169ms Account Requests – COF 530ms Accounts 461ms Balances 398ms Beneficiaries 878ms Direct Debits 270ms Payments – AIS 285ms Payments – CoF 295ms Payments – PIS 388ms Payments – VRP 418ms Products 298ms Standing Orders – AIS 281ms Standing Orders – PIS 225ms Statements 168ms Transactions 458ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand October 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Successful API calls Total calls 2086152416 % of overall total calls 99.39% AIS Total calls 1666274918 % of overall total calls 99.31% PIS Total calls 137528659 % of overall total calls 99.73% October 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 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 October. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand October 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Failed API Calls Total calls 12,698,874 % of overall total calls 0.61% Business Total calls 8,827,842 % of overall total calls 0.42% Technical Total calls 3,871,032 % of overall total calls 0.18% 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. October 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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 October 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Rejected API Calls Total calls 2,779,078 % of overall total calls 0.132% 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. October 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October key performance metrics 99.22% Average API availability – unweighted 331ms Average API response time 99.39% Successful API calls (%) 99.80% Average API availability – weighted 2086.2m Successful API calls (actual) 0.61% 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 October 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Average API availability 99.22% Core hours (06:00-00:00) 99.55% Non core hours (00:00-06:00) 98.23% 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. October 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 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 October. 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. October 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 October. 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. October 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 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: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 99.19% Payments – VRP 99.19% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.19% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 99.19% Payments – VRP 99.19% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.19% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: October 2025 Account Requests – AIS 96.94% Account Requests – COF 97.28% Accounts 96.94% Balances 96.94% Beneficiaries 97.28% Payments – AIS 96.94% Payments – CoF 96.76% Payments – PIS 96.76% Payments – VRP 96.76% Products 96.94% Standing Orders – AIS 96.94% Standing Orders – PIS 96.76% Statements 96.94% Transactions 96.94% Bank of Scotland Availability by Endpoint Category: October 2025 Account Requests – AIS 99.59% Account Requests – COF 99.70% Accounts 99.70% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.70% Payments – PIS 99.61% Payments – VRP 99.67% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 99.70% Statements 99.70% Transactions 99.70% Barclays Availability by Endpoint Category: October 2025 Account Requests – AIS 99.46% Account Requests – COF 99.46% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 99.46% Payments – AIS 99.46% Payments – CoF 99.46% Payments – PIS 99.46% Payments – VRP 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Statements 99.46% Transactions 99.46% Coutts Availability by Endpoint Category: October 2025 Account Requests – AIS 95.83% Account Requests – COF 100.00% Accounts 95.83% Balances 95.83% Beneficiaries 97.04% Direct Debits 99.73% Payments – CoF 97.98% Payments – PIS 95.83% Products 96.64% Standing Orders – AIS 97.04% Standing Orders – PIS 97.18% Statements 100.00% Transactions 95.83% Danske Bank Availability by Endpoint Category: October 2025 Account Requests – AIS 99.70% Account Requests – COF 100.00% Accounts 99.64% Balances 99.65% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.71% Payments – PIS 99.69% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.64% First Direct Availability by Endpoint Category: October 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 99.91% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 99.70% Accounts 99.70% Balances 99.69% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.70% Payments – PIS 99.54% Payments – VRP 99.70% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 99.70% Statements 99.70% Transactions 99.68% HSBC Business Availability by Endpoint Category: October 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: October 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 Personal Availability by Endpoint Category: October 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 99.90% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 99.70% Accounts 99.70% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.70% Payments – PIS 99.45% Payments – VRP 99.66% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 99.70% Statements 99.70% Transactions 99.69% MBNA Availability by Endpoint Category: October 2025 Account Requests – AIS 99.57% Account Requests – COF 100.00% Accounts 99.70% Balances 99.64% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 100.00% Payments – PIS 99.70% Payments – VRP 100.00% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 100.00% Statements 99.70% Transactions 99.65% Mettle Availability by Endpoint Category: October 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 99.99% 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: October 2025 Account Requests – AIS 100.00% Account Requests – COF 98.99% Accounts 99.55% Balances 99.60% Beneficiaries 98.99% Direct Debits 99.20% Payments – AIS 99.20% Payments – CoF 99.98% Payments – PIS 98.94% Payments – VRP 98.87% Products 99.26% Standing Orders – AIS 99.16% Standing Orders – PIS 100.00% Statements 100.00% Transactions 98.94% NWB Availability by Endpoint Category: October 2025 Account Requests – AIS 99.48% Account Requests – COF 100.00% Accounts 99.48% Balances 99.48% Beneficiaries 99.48% Direct Debits 99.48% Payments – AIS 99.98% Payments – CoF 99.48% Payments – PIS 99.48% Payments – VRP 99.48% Products 99.48% Standing Orders – AIS 99.48% Standing Orders – PIS 99.48% Statements 99.97% Transactions 99.48% RBS Availability by Endpoint Category: October 2025 Account Requests – AIS 99.46% Account Requests – COF 100.00% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 99.46% Payments – AIS 99.46% Payments – CoF 99.46% Payments – PIS 99.46% Payments – VRP 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Statements 99.96% Transactions 99.46% Santander UK plc Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 99.69% Accounts 99.68% Balances 99.68% Beneficiaries 99.68% Direct Debits 99.68% Payments – AIS 100.00% Payments – CoF 99.69% Payments – PIS 99.69% Payments – VRP 99.69% Products 99.68% Standing Orders – AIS 99.68% Standing Orders – PIS 99.69% Statements 99.68% Transactions 99.68% UBN Availability by Endpoint Category: October 2025 Account Requests – AIS 99.45% Account Requests – COF 100.00% Accounts 99.45% Balances 99.45% Beneficiaries 99.45% Direct Debits 99.45% Payments – AIS 99.95% Payments – CoF 99.45% Payments – PIS 99.45% Payments – VRP 99.45% Products 99.45% Standing Orders – AIS 99.45% Standing Orders – PIS 99.45% Statements 100.00% Transactions 99.45%
October 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Average API availability 99.22% Core hours (06:00-00:00) 99.55% Non core hours (00:00-06:00) 98.23% 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.
October 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 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 October. 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.
October 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 October. 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.
October 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 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: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 99.19% Payments – VRP 99.19% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.19% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 99.19% Payments – VRP 99.19% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.19% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: October 2025 Account Requests – AIS 96.94% Account Requests – COF 97.28% Accounts 96.94% Balances 96.94% Beneficiaries 97.28% Payments – AIS 96.94% Payments – CoF 96.76% Payments – PIS 96.76% Payments – VRP 96.76% Products 96.94% Standing Orders – AIS 96.94% Standing Orders – PIS 96.76% Statements 96.94% Transactions 96.94% Bank of Scotland Availability by Endpoint Category: October 2025 Account Requests – AIS 99.59% Account Requests – COF 99.70% Accounts 99.70% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.70% Payments – PIS 99.61% Payments – VRP 99.67% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 99.70% Statements 99.70% Transactions 99.70% Barclays Availability by Endpoint Category: October 2025 Account Requests – AIS 99.46% Account Requests – COF 99.46% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 99.46% Payments – AIS 99.46% Payments – CoF 99.46% Payments – PIS 99.46% Payments – VRP 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Statements 99.46% Transactions 99.46% Coutts Availability by Endpoint Category: October 2025 Account Requests – AIS 95.83% Account Requests – COF 100.00% Accounts 95.83% Balances 95.83% Beneficiaries 97.04% Direct Debits 99.73% Payments – CoF 97.98% Payments – PIS 95.83% Products 96.64% Standing Orders – AIS 97.04% Standing Orders – PIS 97.18% Statements 100.00% Transactions 95.83% Danske Bank Availability by Endpoint Category: October 2025 Account Requests – AIS 99.70% Account Requests – COF 100.00% Accounts 99.64% Balances 99.65% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.71% Payments – PIS 99.69% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.64% First Direct Availability by Endpoint Category: October 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 99.91% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 99.70% Accounts 99.70% Balances 99.69% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.70% Payments – PIS 99.54% Payments – VRP 99.70% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 99.70% Statements 99.70% Transactions 99.68% HSBC Business Availability by Endpoint Category: October 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: October 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 Personal Availability by Endpoint Category: October 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 99.90% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 99.70% Accounts 99.70% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.70% Payments – PIS 99.45% Payments – VRP 99.66% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 99.70% Statements 99.70% Transactions 99.69% MBNA Availability by Endpoint Category: October 2025 Account Requests – AIS 99.57% Account Requests – COF 100.00% Accounts 99.70% Balances 99.64% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 100.00% Payments – PIS 99.70% Payments – VRP 100.00% Products 99.70% Standing Orders – AIS 99.70% Standing Orders – PIS 100.00% Statements 99.70% Transactions 99.65% Mettle Availability by Endpoint Category: October 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 99.99% 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: October 2025 Account Requests – AIS 100.00% Account Requests – COF 98.99% Accounts 99.55% Balances 99.60% Beneficiaries 98.99% Direct Debits 99.20% Payments – AIS 99.20% Payments – CoF 99.98% Payments – PIS 98.94% Payments – VRP 98.87% Products 99.26% Standing Orders – AIS 99.16% Standing Orders – PIS 100.00% Statements 100.00% Transactions 98.94% NWB Availability by Endpoint Category: October 2025 Account Requests – AIS 99.48% Account Requests – COF 100.00% Accounts 99.48% Balances 99.48% Beneficiaries 99.48% Direct Debits 99.48% Payments – AIS 99.98% Payments – CoF 99.48% Payments – PIS 99.48% Payments – VRP 99.48% Products 99.48% Standing Orders – AIS 99.48% Standing Orders – PIS 99.48% Statements 99.97% Transactions 99.48% RBS Availability by Endpoint Category: October 2025 Account Requests – AIS 99.46% Account Requests – COF 100.00% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 99.46% Payments – AIS 99.46% Payments – CoF 99.46% Payments – PIS 99.46% Payments – VRP 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Statements 99.96% Transactions 99.46% Santander UK plc Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 99.69% Accounts 99.68% Balances 99.68% Beneficiaries 99.68% Direct Debits 99.68% Payments – AIS 100.00% Payments – CoF 99.69% Payments – PIS 99.69% Payments – VRP 99.69% Products 99.68% Standing Orders – AIS 99.68% Standing Orders – PIS 99.69% Statements 99.68% Transactions 99.68% UBN Availability by Endpoint Category: October 2025 Account Requests – AIS 99.45% Account Requests – COF 100.00% Accounts 99.45% Balances 99.45% Beneficiaries 99.45% Direct Debits 99.45% Payments – AIS 99.95% Payments – CoF 99.45% Payments – PIS 99.45% Payments – VRP 99.45% Products 99.45% Standing Orders – AIS 99.45% Standing Orders – PIS 99.45% Statements 100.00% Transactions 99.45%
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 October 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Average weighted API availability 99.80% Core hours (06:00-00:00) 99.86% Non core hours (00:00-06:00) 99.16% October 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 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 October. Download chart October 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 October. Download chart October 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 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: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 99.76% Payments – VRP 98.74% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.73% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 99.79% Payments – VRP 98.57% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.73% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: October 2025 Account Requests – AIS 98.32% Account Requests – COF 85.52% Accounts 98.41% Balances 98.55% Beneficiaries 93.92% Payments – AIS 97.75% Payments – CoF 99.21% Payments – PIS 98.33% Payments – VRP 95.04% Products 97.75% Standing Orders – AIS 98.39% Standing Orders – PIS 98.32% Statements 91.81% Transactions 98.57% Bank of Scotland Availability by Endpoint Category: October 2025 Account Requests – AIS 99.59% Account Requests – COF 99.65% Accounts 99.70% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.64% Payments – CoF 99.74% Payments – PIS 99.71% Payments – VRP 99.69% Products 99.72% Standing Orders – AIS 99.70% Standing Orders – PIS 99.73% Statements 99.65% Transactions 99.70% Barclays Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 99.94% Accounts 99.82% Balances 99.88% Beneficiaries 98.86% Direct Debits 99.87% Payments – AIS 99.74% Payments – CoF 99.97% Payments – PIS 99.96% Payments – VRP 99.89% Products 99.18% Standing Orders – AIS 99.79% Standing Orders – PIS 99.92% Statements 99.67% Transactions 99.89% Coutts Availability by Endpoint Category: October 2025 Account Requests – AIS 95.59% Account Requests – COF 100.00% Accounts 96.64% Balances 97.90% Beneficiaries 97.31% Direct Debits 99.22% Payments – CoF 99.50% Payments – PIS 98.36% Products 98.14% Standing Orders – AIS 95.52% Standing Orders – PIS 98.15% Statements 100.00% Transactions 97.86% Danske Bank Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 100.00% Accounts 99.62% Balances 99.64% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.51% Payments – PIS 99.54% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.62% First Direct Availability by Endpoint Category: October 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 99.94% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 99.69% Accounts 99.69% Balances 99.68% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.74% Payments – PIS 99.69% Payments – VRP 99.67% Products 99.69% Standing Orders – AIS 99.70% Standing Orders – PIS 99.79% Statements 99.69% Transactions 99.67% HSBC Business Availability by Endpoint Category: October 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: October 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 Personal Availability by Endpoint Category: October 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 99.96% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: October 2025 Account Requests – AIS 99.62% Account Requests – COF 99.70% Accounts 99.69% Balances 99.69% Beneficiaries 99.70% Direct Debits 99.69% Payments – AIS 99.70% Payments – CoF 99.74% Payments – PIS 99.68% Payments – VRP 99.70% Products 99.70% Standing Orders – AIS 99.69% Standing Orders – PIS 99.66% Statements 99.68% Transactions 99.69% MBNA Availability by Endpoint Category: October 2025 Account Requests – AIS 99.56% Accounts 99.70% Balances 99.62% Beneficiaries 99.72% Direct Debits 99.70% Payments – AIS 99.70% Payments – PIS 99.77% Products 99.71% Standing Orders – AIS 99.70% Statements 99.70% Transactions 99.64% Mettle Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 99.99% Direct Debits 99.99% Payments – AIS 99.99% Payments – PIS 99.99% Payments – VRP 99.99% Products 99.99% Standing Orders – AIS 99.99% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Account Requests – COF 99.58% Accounts 99.91% Balances 99.95% Beneficiaries 99.65% Direct Debits 99.59% Payments – AIS 99.54% Payments – CoF 99.99% Payments – PIS 99.88% Payments – VRP 99.75% Products 99.81% Standing Orders – AIS 99.62% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.39% NWB Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 100.00% Accounts 99.74% Balances 99.84% Beneficiaries 99.25% Direct Debits 99.91% Payments – AIS 100.00% Payments – CoF 99.94% Payments – PIS 99.89% Payments – VRP 99.42% Products 99.29% Standing Orders – AIS 99.75% Standing Orders – PIS 99.93% Statements 99.98% Transactions 99.84% RBS Availability by Endpoint Category: October 2025 Account Requests – AIS 99.63% Account Requests – COF 100.00% Accounts 99.70% Balances 99.80% Beneficiaries 99.19% Direct Debits 99.91% Payments – AIS 99.93% Payments – CoF 99.91% Payments – PIS 99.87% Payments – VRP 99.55% Products 99.10% Standing Orders – AIS 99.74% Standing Orders – PIS 99.87% Statements 99.99% Transactions 99.81% Santander UK plc Availability by Endpoint Category: October 2025 Account Requests – AIS 99.75% Account Requests – COF 99.82% Accounts 99.79% Balances 99.80% Beneficiaries 99.82% Direct Debits 99.80% Payments – CoF 99.89% Payments – PIS 99.87% Payments – VRP 99.87% Products 99.50% Standing Orders – AIS 99.79% Standing Orders – PIS 99.81% Statements 99.85% Transactions 99.81% UBN Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 100.00% Accounts 99.62% Balances 99.78% Beneficiaries 99.17% Direct Debits 99.89% Payments – AIS 99.95% Payments – CoF 99.91% Payments – PIS 99.82% Payments – VRP 99.53% Products 99.07% Standing Orders – AIS 99.78% Standing Orders – PIS 99.84% Statements 100.00% Transactions 99.78%
October 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Average weighted API availability 99.80% Core hours (06:00-00:00) 99.86% Non core hours (00:00-06:00) 99.16%
October 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart
October 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 October. Download chart
October 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 October. Download chart
October 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart
October 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart
October 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: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 99.76% Payments – VRP 98.74% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.73% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – CoF 100.00% Payments – PIS 99.79% Payments – VRP 98.57% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.73% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: October 2025 Account Requests – AIS 98.32% Account Requests – COF 85.52% Accounts 98.41% Balances 98.55% Beneficiaries 93.92% Payments – AIS 97.75% Payments – CoF 99.21% Payments – PIS 98.33% Payments – VRP 95.04% Products 97.75% Standing Orders – AIS 98.39% Standing Orders – PIS 98.32% Statements 91.81% Transactions 98.57% Bank of Scotland Availability by Endpoint Category: October 2025 Account Requests – AIS 99.59% Account Requests – COF 99.65% Accounts 99.70% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.64% Payments – CoF 99.74% Payments – PIS 99.71% Payments – VRP 99.69% Products 99.72% Standing Orders – AIS 99.70% Standing Orders – PIS 99.73% Statements 99.65% Transactions 99.70% Barclays Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 99.94% Accounts 99.82% Balances 99.88% Beneficiaries 98.86% Direct Debits 99.87% Payments – AIS 99.74% Payments – CoF 99.97% Payments – PIS 99.96% Payments – VRP 99.89% Products 99.18% Standing Orders – AIS 99.79% Standing Orders – PIS 99.92% Statements 99.67% Transactions 99.89% Coutts Availability by Endpoint Category: October 2025 Account Requests – AIS 95.59% Account Requests – COF 100.00% Accounts 96.64% Balances 97.90% Beneficiaries 97.31% Direct Debits 99.22% Payments – CoF 99.50% Payments – PIS 98.36% Products 98.14% Standing Orders – AIS 95.52% Standing Orders – PIS 98.15% Statements 100.00% Transactions 97.86% Danske Bank Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 100.00% Accounts 99.62% Balances 99.64% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.51% Payments – PIS 99.54% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.62% First Direct Availability by Endpoint Category: October 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 99.94% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 99.69% Accounts 99.69% Balances 99.68% Beneficiaries 99.70% Direct Debits 99.70% Payments – AIS 99.70% Payments – CoF 99.74% Payments – PIS 99.69% Payments – VRP 99.67% Products 99.69% Standing Orders – AIS 99.70% Standing Orders – PIS 99.79% Statements 99.69% Transactions 99.67% HSBC Business Availability by Endpoint Category: October 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: October 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 Personal Availability by Endpoint Category: October 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 99.96% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: October 2025 Account Requests – AIS 99.62% Account Requests – COF 99.70% Accounts 99.69% Balances 99.69% Beneficiaries 99.70% Direct Debits 99.69% Payments – AIS 99.70% Payments – CoF 99.74% Payments – PIS 99.68% Payments – VRP 99.70% Products 99.70% Standing Orders – AIS 99.69% Standing Orders – PIS 99.66% Statements 99.68% Transactions 99.69% MBNA Availability by Endpoint Category: October 2025 Account Requests – AIS 99.56% Accounts 99.70% Balances 99.62% Beneficiaries 99.72% Direct Debits 99.70% Payments – AIS 99.70% Payments – PIS 99.77% Products 99.71% Standing Orders – AIS 99.70% Statements 99.70% Transactions 99.64% Mettle Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 99.99% Direct Debits 99.99% Payments – AIS 99.99% Payments – PIS 99.99% Payments – VRP 99.99% Products 99.99% Standing Orders – AIS 99.99% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: October 2025 Account Requests – AIS 100.00% Account Requests – COF 99.58% Accounts 99.91% Balances 99.95% Beneficiaries 99.65% Direct Debits 99.59% Payments – AIS 99.54% Payments – CoF 99.99% Payments – PIS 99.88% Payments – VRP 99.75% Products 99.81% Standing Orders – AIS 99.62% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.39% NWB Availability by Endpoint Category: October 2025 Account Requests – AIS 99.68% Account Requests – COF 100.00% Accounts 99.74% Balances 99.84% Beneficiaries 99.25% Direct Debits 99.91% Payments – AIS 100.00% Payments – CoF 99.94% Payments – PIS 99.89% Payments – VRP 99.42% Products 99.29% Standing Orders – AIS 99.75% Standing Orders – PIS 99.93% Statements 99.98% Transactions 99.84% RBS Availability by Endpoint Category: October 2025 Account Requests – AIS 99.63% Account Requests – COF 100.00% Accounts 99.70% Balances 99.80% Beneficiaries 99.19% Direct Debits 99.91% Payments – AIS 99.93% Payments – CoF 99.91% Payments – PIS 99.87% Payments – VRP 99.55% Products 99.10% Standing Orders – AIS 99.74% Standing Orders – PIS 99.87% Statements 99.99% Transactions 99.81% Santander UK plc Availability by Endpoint Category: October 2025 Account Requests – AIS 99.75% Account Requests – COF 99.82% Accounts 99.79% Balances 99.80% Beneficiaries 99.82% Direct Debits 99.80% Payments – CoF 99.89% Payments – PIS 99.87% Payments – VRP 99.87% Products 99.50% Standing Orders – AIS 99.79% Standing Orders – PIS 99.81% Statements 99.85% Transactions 99.81% UBN Availability by Endpoint Category: October 2025 Account Requests – AIS 99.60% Account Requests – COF 100.00% Accounts 99.62% Balances 99.78% Beneficiaries 99.17% Direct Debits 99.89% Payments – AIS 99.95% Payments – CoF 99.91% Payments – PIS 99.82% Payments – VRP 99.53% Products 99.07% Standing Orders – AIS 99.78% Standing Orders – PIS 99.84% Statements 100.00% Transactions 99.78%
Average API response times Average API response times by brand Response times by brand October 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Average API Response Time 331 milliseconds October 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 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): October 2025 Account Requests – AIS 192ms Accounts 142ms Balances 110ms Direct Debits 1,277ms Payments – CoF 164ms Payments – PIS 155ms Payments – VRP 155ms Products 465ms Standing Orders – AIS 317ms Standing Orders – PIS 133ms Transactions 121ms AIB Group (UK) p.l.c. Response times (milliseconds): October 2025 Account Requests – AIS 117ms Accounts 69ms Balances 38ms Payments – CoF 108ms Payments – PIS 66ms Payments – VRP 137ms Products 355ms Standing Orders – AIS 205ms Standing Orders – PIS 145ms Transactions 48ms Bank of Ireland UK Response times (milliseconds): October 2025 Account Requests – AIS 171ms Account Requests – COF 392ms Accounts 300ms Balances 302ms Beneficiaries 1,509ms Payments – AIS 234ms Payments – CoF 420ms Payments – PIS 850ms Payments – VRP 837ms Products 366ms Standing Orders – AIS 245ms Standing Orders – PIS 672ms Statements 1,470ms Transactions 337ms Bank of Scotland Response times (milliseconds): October 2025 Account Requests – AIS 204ms Account Requests – COF 271ms Accounts 139ms Balances 145ms Beneficiaries 222ms Direct Debits 215ms Payments – AIS 197ms Payments – CoF 216ms Payments – PIS 451ms Payments – VRP 337ms Products 410ms Standing Orders – AIS 194ms Standing Orders – PIS 514ms Statements 356ms Transactions 230ms Barclays Response times (milliseconds): October 2025 Account Requests – AIS 138ms Account Requests – COF 173ms Accounts 175ms Balances 197ms Beneficiaries 225ms Direct Debits 205ms Payments – AIS 238ms Payments – CoF 258ms Payments – PIS 180ms Payments – VRP 253ms Products 334ms Standing Orders – AIS 203ms Standing Orders – PIS 169ms Statements 88ms Transactions 249ms Coutts Response times (milliseconds): October 2025 Account Requests – AIS 960ms Account Requests – COF 1,277ms Accounts 239ms Balances 268ms Beneficiaries 2,736ms Direct Debits 2,410ms Payments – CoF 366ms Payments – PIS 813ms Products 248ms Standing Orders – AIS 218ms Standing Orders – PIS 558ms Statements 170ms Transactions 286ms Danske Bank Response times (milliseconds): October 2025 Account Requests – AIS 59ms Account Requests – COF 255ms Accounts 511ms Balances 194ms Beneficiaries 315ms Direct Debits 324ms Payments – AIS 337ms Payments – CoF 104ms Payments – PIS 102ms Payments – VRP 190ms Products 133ms Standing Orders – AIS 300ms Standing Orders – PIS 69ms Transactions 582ms First Direct Response times (milliseconds): October 2025 Account Requests – AIS 149ms Account Requests – COF 309ms Accounts 296ms Balances 295ms Beneficiaries 498ms Direct Debits 322ms Payments – AIS 517ms Payments – CoF 437ms Payments – PIS 295ms Payments – VRP 384ms Products 587ms Standing Orders – AIS 539ms Standing Orders – PIS 431ms Statements 265ms Transactions 468ms Halifax Response times (milliseconds): October 2025 Account Requests – AIS 219ms Account Requests – COF 250ms Accounts 140ms Balances 146ms Beneficiaries 225ms Direct Debits 215ms Payments – AIS 196ms Payments – CoF 275ms Payments – PIS 536ms Payments – VRP 319ms Products 409ms Standing Orders – AIS 194ms Standing Orders – PIS 515ms Statements 348ms Transactions 240ms HSBC Business Response times (milliseconds): October 2025 Account Requests – AIS 192ms Account Requests – COF 307ms Accounts 343ms Balances 335ms Beneficiaries 332ms Direct Debits 656ms Payments – AIS 259ms Payments – CoF 497ms Payments – PIS 544ms Payments – VRP 455ms Products 668ms Standing Orders – AIS 287ms Standing Orders – PIS 280ms Statements 1,393ms Transactions 420ms HSBC Kinetic Response times (milliseconds): October 2025 Account Requests – AIS 158ms Account Requests – COF 292ms Accounts 400ms Balances 397ms Beneficiaries 696ms Direct Debits 1,095ms Payments – AIS 1,230ms Payments – CoF 580ms Payments – PIS 330ms Payments – VRP 445ms Products 1,014ms Standing Orders – AIS 1,068ms Standing Orders – PIS 256ms Statements 3,381ms Transactions 584ms HSBC Personal Response times (milliseconds): October 2025 Account Requests – AIS 168ms Account Requests – COF 297ms Accounts 329ms Balances 323ms Beneficiaries 467ms Direct Debits 350ms Payments – AIS 587ms Payments – CoF 464ms Payments – PIS 303ms Payments – VRP 370ms Products 596ms Standing Orders – AIS 611ms Standing Orders – PIS 300ms Statements 145ms Transactions 493ms Lloyds Response times (milliseconds): October 2025 Account Requests – AIS 220ms Account Requests – COF 248ms Accounts 139ms Balances 144ms Beneficiaries 224ms Direct Debits 214ms Payments – AIS 196ms Payments – CoF 214ms Payments – PIS 475ms Payments – VRP 317ms Products 409ms Standing Orders – AIS 194ms Standing Orders – PIS 476ms Statements 327ms Transactions 229ms MBNA Response times (milliseconds): October 2025 Account Requests – AIS 223ms Accounts 199ms Balances 239ms Beneficiaries 220ms Direct Debits 152ms Payments – AIS 154ms Payments – PIS 235ms Products 150ms Standing Orders – AIS 153ms Statements 297ms Transactions 428ms Mettle Response times (milliseconds): October 2025 Account Requests – AIS 75ms Accounts 108ms Balances 68ms Beneficiaries 64ms Direct Debits 139ms Payments – AIS 67ms Payments – PIS 157ms Payments – VRP 217ms Products 108ms Standing Orders – AIS 14ms Statements 438ms Transactions 91ms Nationwide Building Society Response times (milliseconds): October 2025 Account Requests – AIS 155ms Account Requests – COF 243ms Accounts 227ms Balances 184ms Beneficiaries 707ms Direct Debits 596ms Payments – AIS 270ms Payments – CoF 265ms Payments – PIS 368ms Payments – VRP 302ms Products 207ms Standing Orders – AIS 219ms Standing Orders – PIS 405ms Statements 406ms Transactions 231ms NWB Response times (milliseconds): October 2025 Account Requests – AIS 155ms Account Requests – COF 379ms Accounts 471ms Balances 435ms Beneficiaries 793ms Direct Debits 239ms Payments – AIS 229ms Payments – CoF 261ms Payments – PIS 342ms Payments – VRP 318ms Products 293ms Standing Orders – AIS 405ms Standing Orders – PIS 282ms Statements 207ms Transactions 519ms RBS Response times (milliseconds): October 2025 Account Requests – AIS 165ms Account Requests – COF 412ms Accounts 459ms Balances 432ms Beneficiaries 860ms Direct Debits 256ms Payments – AIS 292ms Payments – CoF 277ms Payments – PIS 382ms Payments – VRP 362ms Products 289ms Standing Orders – AIS 303ms Standing Orders – PIS 284ms Statements 285ms Transactions 480ms Santander UK plc Response times (milliseconds): October 2025 Account Requests – AIS 255ms Account Requests – COF 333ms Accounts 359ms Balances 404ms Beneficiaries 590ms Direct Debits 469ms Payments – CoF 359ms Payments – PIS 275ms Payments – VRP 248ms Products 354ms Standing Orders – AIS 458ms Standing Orders – PIS 269ms Statements 417ms Transactions 483ms UBN Response times (milliseconds): October 2025 Account Requests – AIS 169ms Account Requests – COF 530ms Accounts 461ms Balances 398ms Beneficiaries 878ms Direct Debits 270ms Payments – AIS 285ms Payments – CoF 295ms Payments – PIS 388ms Payments – VRP 418ms Products 298ms Standing Orders – AIS 281ms Standing Orders – PIS 225ms Statements 168ms Transactions 458ms
October 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Average API Response Time 331 milliseconds
October 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. Download chart
October 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): October 2025 Account Requests – AIS 192ms Accounts 142ms Balances 110ms Direct Debits 1,277ms Payments – CoF 164ms Payments – PIS 155ms Payments – VRP 155ms Products 465ms Standing Orders – AIS 317ms Standing Orders – PIS 133ms Transactions 121ms AIB Group (UK) p.l.c. Response times (milliseconds): October 2025 Account Requests – AIS 117ms Accounts 69ms Balances 38ms Payments – CoF 108ms Payments – PIS 66ms Payments – VRP 137ms Products 355ms Standing Orders – AIS 205ms Standing Orders – PIS 145ms Transactions 48ms Bank of Ireland UK Response times (milliseconds): October 2025 Account Requests – AIS 171ms Account Requests – COF 392ms Accounts 300ms Balances 302ms Beneficiaries 1,509ms Payments – AIS 234ms Payments – CoF 420ms Payments – PIS 850ms Payments – VRP 837ms Products 366ms Standing Orders – AIS 245ms Standing Orders – PIS 672ms Statements 1,470ms Transactions 337ms Bank of Scotland Response times (milliseconds): October 2025 Account Requests – AIS 204ms Account Requests – COF 271ms Accounts 139ms Balances 145ms Beneficiaries 222ms Direct Debits 215ms Payments – AIS 197ms Payments – CoF 216ms Payments – PIS 451ms Payments – VRP 337ms Products 410ms Standing Orders – AIS 194ms Standing Orders – PIS 514ms Statements 356ms Transactions 230ms Barclays Response times (milliseconds): October 2025 Account Requests – AIS 138ms Account Requests – COF 173ms Accounts 175ms Balances 197ms Beneficiaries 225ms Direct Debits 205ms Payments – AIS 238ms Payments – CoF 258ms Payments – PIS 180ms Payments – VRP 253ms Products 334ms Standing Orders – AIS 203ms Standing Orders – PIS 169ms Statements 88ms Transactions 249ms Coutts Response times (milliseconds): October 2025 Account Requests – AIS 960ms Account Requests – COF 1,277ms Accounts 239ms Balances 268ms Beneficiaries 2,736ms Direct Debits 2,410ms Payments – CoF 366ms Payments – PIS 813ms Products 248ms Standing Orders – AIS 218ms Standing Orders – PIS 558ms Statements 170ms Transactions 286ms Danske Bank Response times (milliseconds): October 2025 Account Requests – AIS 59ms Account Requests – COF 255ms Accounts 511ms Balances 194ms Beneficiaries 315ms Direct Debits 324ms Payments – AIS 337ms Payments – CoF 104ms Payments – PIS 102ms Payments – VRP 190ms Products 133ms Standing Orders – AIS 300ms Standing Orders – PIS 69ms Transactions 582ms First Direct Response times (milliseconds): October 2025 Account Requests – AIS 149ms Account Requests – COF 309ms Accounts 296ms Balances 295ms Beneficiaries 498ms Direct Debits 322ms Payments – AIS 517ms Payments – CoF 437ms Payments – PIS 295ms Payments – VRP 384ms Products 587ms Standing Orders – AIS 539ms Standing Orders – PIS 431ms Statements 265ms Transactions 468ms Halifax Response times (milliseconds): October 2025 Account Requests – AIS 219ms Account Requests – COF 250ms Accounts 140ms Balances 146ms Beneficiaries 225ms Direct Debits 215ms Payments – AIS 196ms Payments – CoF 275ms Payments – PIS 536ms Payments – VRP 319ms Products 409ms Standing Orders – AIS 194ms Standing Orders – PIS 515ms Statements 348ms Transactions 240ms HSBC Business Response times (milliseconds): October 2025 Account Requests – AIS 192ms Account Requests – COF 307ms Accounts 343ms Balances 335ms Beneficiaries 332ms Direct Debits 656ms Payments – AIS 259ms Payments – CoF 497ms Payments – PIS 544ms Payments – VRP 455ms Products 668ms Standing Orders – AIS 287ms Standing Orders – PIS 280ms Statements 1,393ms Transactions 420ms HSBC Kinetic Response times (milliseconds): October 2025 Account Requests – AIS 158ms Account Requests – COF 292ms Accounts 400ms Balances 397ms Beneficiaries 696ms Direct Debits 1,095ms Payments – AIS 1,230ms Payments – CoF 580ms Payments – PIS 330ms Payments – VRP 445ms Products 1,014ms Standing Orders – AIS 1,068ms Standing Orders – PIS 256ms Statements 3,381ms Transactions 584ms HSBC Personal Response times (milliseconds): October 2025 Account Requests – AIS 168ms Account Requests – COF 297ms Accounts 329ms Balances 323ms Beneficiaries 467ms Direct Debits 350ms Payments – AIS 587ms Payments – CoF 464ms Payments – PIS 303ms Payments – VRP 370ms Products 596ms Standing Orders – AIS 611ms Standing Orders – PIS 300ms Statements 145ms Transactions 493ms Lloyds Response times (milliseconds): October 2025 Account Requests – AIS 220ms Account Requests – COF 248ms Accounts 139ms Balances 144ms Beneficiaries 224ms Direct Debits 214ms Payments – AIS 196ms Payments – CoF 214ms Payments – PIS 475ms Payments – VRP 317ms Products 409ms Standing Orders – AIS 194ms Standing Orders – PIS 476ms Statements 327ms Transactions 229ms MBNA Response times (milliseconds): October 2025 Account Requests – AIS 223ms Accounts 199ms Balances 239ms Beneficiaries 220ms Direct Debits 152ms Payments – AIS 154ms Payments – PIS 235ms Products 150ms Standing Orders – AIS 153ms Statements 297ms Transactions 428ms Mettle Response times (milliseconds): October 2025 Account Requests – AIS 75ms Accounts 108ms Balances 68ms Beneficiaries 64ms Direct Debits 139ms Payments – AIS 67ms Payments – PIS 157ms Payments – VRP 217ms Products 108ms Standing Orders – AIS 14ms Statements 438ms Transactions 91ms Nationwide Building Society Response times (milliseconds): October 2025 Account Requests – AIS 155ms Account Requests – COF 243ms Accounts 227ms Balances 184ms Beneficiaries 707ms Direct Debits 596ms Payments – AIS 270ms Payments – CoF 265ms Payments – PIS 368ms Payments – VRP 302ms Products 207ms Standing Orders – AIS 219ms Standing Orders – PIS 405ms Statements 406ms Transactions 231ms NWB Response times (milliseconds): October 2025 Account Requests – AIS 155ms Account Requests – COF 379ms Accounts 471ms Balances 435ms Beneficiaries 793ms Direct Debits 239ms Payments – AIS 229ms Payments – CoF 261ms Payments – PIS 342ms Payments – VRP 318ms Products 293ms Standing Orders – AIS 405ms Standing Orders – PIS 282ms Statements 207ms Transactions 519ms RBS Response times (milliseconds): October 2025 Account Requests – AIS 165ms Account Requests – COF 412ms Accounts 459ms Balances 432ms Beneficiaries 860ms Direct Debits 256ms Payments – AIS 292ms Payments – CoF 277ms Payments – PIS 382ms Payments – VRP 362ms Products 289ms Standing Orders – AIS 303ms Standing Orders – PIS 284ms Statements 285ms Transactions 480ms Santander UK plc Response times (milliseconds): October 2025 Account Requests – AIS 255ms Account Requests – COF 333ms Accounts 359ms Balances 404ms Beneficiaries 590ms Direct Debits 469ms Payments – CoF 359ms Payments – PIS 275ms Payments – VRP 248ms Products 354ms Standing Orders – AIS 458ms Standing Orders – PIS 269ms Statements 417ms Transactions 483ms UBN Response times (milliseconds): October 2025 Account Requests – AIS 169ms Account Requests – COF 530ms Accounts 461ms Balances 398ms Beneficiaries 878ms Direct Debits 270ms Payments – AIS 285ms Payments – CoF 295ms Payments – PIS 388ms Payments – VRP 418ms Products 298ms Standing Orders – AIS 281ms Standing Orders – PIS 225ms Statements 168ms Transactions 458ms
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand October 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Successful API calls Total calls 2086152416 % of overall total calls 99.39% AIS Total calls 1666274918 % of overall total calls 99.31% PIS Total calls 137528659 % of overall total calls 99.73% October 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart October 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 October. Download chart
October 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Successful API calls Total calls 2086152416 % of overall total calls 99.39% AIS Total calls 1666274918 % of overall total calls 99.31% PIS Total calls 137528659 % of overall total calls 99.73%
October 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart
October 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart
October 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart
October 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 October. Download chart
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand October 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Failed API Calls Total calls 12,698,874 % of overall total calls 0.61% Business Total calls 8,827,842 % of overall total calls 0.42% Technical Total calls 3,871,032 % of overall total calls 0.18% 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. October 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Failed API Calls Total calls 12,698,874 % of overall total calls 0.61% Business Total calls 8,827,842 % of overall total calls 0.42% Technical Total calls 3,871,032 % of overall total calls 0.18% 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.
October 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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 October 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Rejected API Calls Total calls 2,779,078 % of overall total calls 0.132% 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. October 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Download chart Rejected API Calls Total calls 2,779,078 % of overall total calls 0.132% 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.
October 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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.