Banks, building societies and payment companies – also known as account servicing payment service providers (ASPSPs) – provide and maintain payment accounts for their customers (businesses and consumers).

Open banking enables them to extend their relationship with customers – by unlocking the potential of transaction data to offer innovative products and services that complement core banking activities.

Are you offering online payment accounts? Talk to us to find out more. 

Built on security

Compliance at the core

Expert support on hand

Helps you grow, fast


Our Open Banking Standard is free to use. We also offer the following optional services: Conformance and certification, the Open Banking Directory and Confirmation of Payee (CoP).

The Open Banking Directory

A secure trust framework for verification of authorised third party providers. Register to sign up, or log in to update your details on the Directory.  


Confirmation of Payee

Join the CoP service and help protect your business and your customers against authorised push payment (APP) fraud and misdirected payments.

Find out more
Crown Dependencies icon

Crown Dependencies Directory

Our Crown Dependencies Directory lets banks and financial institutions in Guernsey, Jersey and the Isle of Man participate in – and benefit from – the open banking ecosystem.

Find out more

Conformance and certification

Test your implementation of the Standard with our conformance tools – then provide the evidence that you conform with our certification service.

Find out more

The Open Banking Standard

The API specifications, user experience guidelines and operational guidelines you need to provide Third Party Providers (TPPs) with secure access to account information while complying with your PSD2 obligations.

View the Standard


If you are a payment institution, credit institution or an e-money firm offering online payment accounts, we answer your questions about the Open Banking Directory and Standard.

What details are required for enrolment to the Open Banking Directory?

We need the following information:

• The name of your entity
• The legal entity identifier number (if known)
• The company registration number
• The registered address of your entity as displayed on the company register of your country
• Your national competent authority authorisation / registration details.

For further information on enrolling please refer to our how to guide.

What is the timescale for enrolment into the Open Banking Directory?

Once we receive your enrolment form, we undertake some validation checks which can take a few weeks to complete. Part of these checks include making sure your company has the right permissions under PSD2 i.e., that you are an ASPSP, AISP and/or PISP and, if you are a non-UK corporate entity, that you are authorised to passport into the UK.

If you have any further questions or require assistance with enrolling onto the Directory please contact us via email:

Where can I find out more about the Open Banking Standard?

Please visit our Standards FAQ page

Where can I find API specifications?

The latest API standard specifications can be found on our Standards site here: API specifications

How can I test the read/write banking APIs?

The read/write APIs are implemented by participating banks. Most banks offer test environments via Developer Portals that are available via their websites. 

For TPPs that have enrolled, we can provide API testing capability via Ozone model bank.

For more information please visit our dev zone.