API Performance Stats

Average API availability – unweighted

This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs.

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.

Average API availability – weighted

This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs.

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.

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.

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.

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.

Open Banking 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’ chart

Since November 2022 there have been 9 Providers and 20 brands providing data.

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

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

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

October 2025

Average API availability – unweighted

This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October.

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.

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.

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.

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.

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.

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) 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 – weighted

This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October.

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.

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.

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.

October 2025

AIS availability by brand – weighted

This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October.

October 2025

PIS availability by brand – weighted

This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October.

October 2025

API availability by category – weighted

Select an account provider

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 response times

This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October.

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.

October 2025

Response times by brand

Select an account provider

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

Successful API calls

This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October.

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.

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.

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.

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.

October 2025

Failed API calls

This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October.

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.

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.

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.

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

Rejected API calls

This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October.

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.

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.