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.

March 2021: Please note that this month’s Average API Availability figures have been disproportionately affected by the data provided by a single ASPSP, who experienced extended downtime on a single endpoint that typically accounts for <0.05% of API call volumes – Average API Availability excluding the affected endpoint was 99.22%.

Notes on the data:  Average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years: Jan 2020 – 9 providers, 18 brands; May 2020 – 9 providers, 19 brands; September 2021 – 9 providers, 18 brands.

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: Jan 2020 – 9 providers, 18 brands; May 2020 – 9 providers, 19 brands; September 2021 – 9 providers, 18 brands.

Data to calculate weighted availability was not collected prior to September 2019, and does not include Bank of Ireland as data is not provided.

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: Jan 2020 – 9 providers, 18 brands; May 2020 – 9 providers, 19 brands; September 2021 – 9 providers, 18 brands.

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 since July 2020: July 2020 – 9 providers, 19 brands; September 2021 – 9 providers, 18 brands.

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: May 2020 – 9 providers, 19 brands; September 2021 – 9 providers, 18 brands; November 2022 – 9 providers, 20 Brands.

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

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

98.41%

Average API availability – unweighted

397ms

Average API response time

99.22%

Successful API calls (%)

99.60%

Average API availability – weighted

1174.4m

Successful API calls (actual)

0.78%

Failed API calls

October 2023

Average API availability – unweighted

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

Average API availability

98.41%

Core hours (06:00-00:00)

98.42%

Non core hours (00:00-06:00)

98.42%

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 2023

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 2023

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 2023

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 2023

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 2023

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 2023

API availability by category – unweighted

Select an account provider

AIB (NI) Availability by Endpoint Category:

October 2023
Account Requests – AIS

98.94%

Accounts

99.73%

Balances

99.73%

Payments – CoF

99.2%

Payments – PIS

98.94%

Products

100.0%

Standing Orders – PIS

98.94%

Transactions

99.73%

AIB Group (UK) p.l.c. Availability by Endpoint Category:

October 2023
Account Requests – AIS

98.94%

Accounts

99.73%

Balances

99.73%

Beneficiaries

100.0%

Payments – CoF

98.94%

Payments – PIS

98.94%

Products

100.0%

Standing Orders – PIS

98.94%

Transactions

99.73%

Bank of Ireland UK Availability by Endpoint Category:

October 2023
Account Requests – AIS

98.79%

Account Requests – CoF

100.0%

Accounts

98.79%

Balances

98.79%

Beneficiaries

98.79%

Payments – AIS

98.79%

Payments – CoF

100.0%

Payments – PIS

98.79%

payments-VRP

98.79%

Products

98.79%

Standing Orders – AIS

98.79%

Standing Orders – PIS

98.79%

Statements

98.79%

Transactions

98.79%

Bank of Scotland Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.99%

Beneficiaries

99.96%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.99%

Barclays Availability by Endpoint Category:

October 2023
Account Requests – AIS

99.48%

Account Requests – CoF

99.48%

Accounts

99.48%

Balances

99.48%

Beneficiaries

99.48%

Direct Debits

99.48%

Payments – AIS

99.48%

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

99.48%

Transactions

99.48%

Cater Allen Availability by Endpoint Category:

October 2023
Account Requests – AIS

98.0%

Account Requests – CoF

100.0%

Accounts

98.0%

Balances

98.0%

Beneficiaries

98.0%

Direct Debits

98.0%

Payments – AIS

98.0%

Payments – PIS

98.0%

Products

98.0%

Standing Orders – AIS

98.0%

Standing Orders – PIS

98.0%

Statements

98.0%

Transactions

98.0%

Danske Bank Availability by Endpoint Category:

October 2023
Account Requests – AIS

99.92%

Account Requests – CoF

100.0%

Accounts

99.91%

Balances

99.91%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.92%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

99.91%

First Direct Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.99%

Balances

99.99%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

99.98%

Halifax Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.99%

payments-VRP

99.99%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.95%

HSBC Business Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

98.39%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

100.0%

HSBC Kinetic Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

100.0%

HSBC Personal Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.96%

Balances

99.96%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

99.94%

Lloyds Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.99%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.97%

MBNA Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.67%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.55%

Mettle Availability by Endpoint Category:

October 2023
Account Requests – AIS

99.94%

Accounts

99.94%

Balances

99.94%

Beneficiaries

100.0%

Direct Debits

99.94%

Payments – AIS

100.0%

Payments – PIS

99.94%

Products

99.94%

Statements

99.94%

Transactions

99.94%

Nationwide Building Society Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

99.13%

Accounts

99.93%

Balances

99.94%

Beneficiaries

99.07%

Direct Debits

99.99%

Payments – AIS

100.0%

Payments – CoF

99.96%

Payments – PIS

99.04%

payments-VRP

99.04%

Products

99.12%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

93.23%

Transactions

99.03%

NWB Availability by Endpoint Category:

October 2023
Account Requests – AIS

99.42%

Account Requests – CoF

99.19%

Accounts

99.42%

Balances

99.42%

Beneficiaries

99.42%

Direct Debits

99.42%

Payments – AIS

99.99%

Payments – CoF

99.19%

Payments – PIS

99.19%

payments-VRP

99.19%

Products

99.42%

Standing Orders – AIS

99.42%

Standing Orders – PIS

99.19%

Statements

99.42%

Transactions

99.42%

RBS Availability by Endpoint Category:

October 2023
Account Requests – AIS

99.38%

Account Requests – CoF

99.22%

Accounts

99.38%

Balances

99.38%

Beneficiaries

99.89%

Direct Debits

99.38%

Payments – CoF

99.22%

Payments – PIS

99.22%

payments-VRP

99.22%

Products

99.38%

Standing Orders – AIS

99.85%

Standing Orders – PIS

99.22%

Statements

99.85%

Transactions

99.38%

Santander UK plc Availability by Endpoint Category:

October 2023
Account Requests – AIS

98.92%

Account Requests – CoF

98.92%

Accounts

98.92%

Balances

98.92%

Beneficiaries

98.92%

Direct Debits

98.92%

Payments – AIS

100.0%

Payments – CoF

98.92%

Payments – PIS

98.92%

payments-VRP

98.92%

Products

98.92%

Standing Orders – AIS

98.92%

Standing Orders – PIS

98.92%

Statements

98.92%

Transactions

98.92%

UBN Availability by Endpoint Category:

October 2023
Account Requests – AIS

99.33%

Account Requests – CoF

99.07%

Accounts

99.33%

Balances

99.33%

Beneficiaries

99.51%

Direct Debits

99.82%

Payments – AIS

100.0%

Payments – CoF

99.69%

Payments – PIS

99.04%

payments-VRP

99.04%

Products

99.33%

Standing Orders – AIS

99.35%

Standing Orders – PIS

99.21%

Statements

99.96%

Transactions

99.33%

October 2023

Average API availability – weighted

Average weighted API availability

99.60%

Core hours (06:00-00:00)

99.84%

Non core hours (00:00-06:00)

99.98%
October 2023

Average API availability by brand – weighted

October 2023

Core hours by brand (06:00 – 0:00) – weighted

October 2023

Non core hours by brand (00:00 – 6:00) – weighted

October 2023

AIS availability by brand – weighted

October 2023

PIS availability by brand – weighted

October 2023

API availability by category – weighted

Select an account provider

AIB (NI) Availability by Endpoint Category:

October 2023
Account Requests – AIS

98.94%

Accounts

99.73%

Balances

99.73%

Payments – CoF

99.2%

Payments – PIS

99.38%

Products

100.0%

Standing Orders – PIS

98.94%

Transactions

99.73%

AIB Group (UK) p.l.c. Availability by Endpoint Category:

October 2023
Account Requests – AIS

98.94%

Accounts

99.73%

Balances

99.73%

Beneficiaries

100.0%

Payments – CoF

98.94%

Payments – PIS

98.95%

Products

100.0%

Standing Orders – PIS

98.94%

Transactions

99.73%

Bank of Ireland UK Availability by Endpoint Category:

October 2023
Account Requests – AIS

98.79%

Account Requests – CoF

100.0%

Accounts

98.79%

Balances

98.79%

Beneficiaries

98.79%

Payments – AIS

98.79%

Payments – CoF

100.0%

Payments – PIS

98.79%

payments-VRP

99.25%

Products

98.79%

Standing Orders – AIS

98.79%

Standing Orders – PIS

98.79%

Statements

98.79%

Transactions

98.79%

Bank of Scotland Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.99%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.99%

Barclays Availability by Endpoint Category:

October 2023
Account Requests – AIS

99.48%

Account Requests – CoF

99.48%

Accounts

99.48%

Balances

99.48%

Beneficiaries

99.48%

Direct Debits

99.48%

Payments – AIS

99.48%

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

99.52%

Transactions

99.48%

Cater Allen Availability by Endpoint Category:

October 2023
Account Requests – AIS

98.0%

Accounts

98.0%

Balances

98.0%

Beneficiaries

98.0%

Direct Debits

98.0%

Payments – AIS

98.0%

Payments – PIS

98.0%

Products

98.0%

Standing Orders – AIS

98.0%

Standing Orders – PIS

98.0%

Statements

98.0%

Transactions

98.0%

Danske Bank Availability by Endpoint Category:

October 2023
Account Requests – AIS

99.92%

Account Requests – CoF

100.0%

Accounts

99.91%

Balances

99.91%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.96%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

99.91%

First Direct Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.99%

Balances

99.99%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

99.98%

Halifax Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.95%

HSBC Business Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

100.0%

HSBC Kinetic Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

100.0%

HSBC Personal Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.96%

Balances

99.96%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

99.94%

Lloyds Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.99%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.97%

MBNA Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Accounts

100.0%

Balances

99.67%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – PIS

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Statements

100.0%

Transactions

99.55%

Mettle Availability by Endpoint Category:

October 2023
Account Requests – AIS

99.94%

Accounts

99.94%

Balances

99.94%

Beneficiaries

100.0%

Direct Debits

99.94%

Payments – AIS

100.0%

Payments – PIS

99.94%

Products

99.94%

Statements

99.94%

Transactions

99.94%

Nationwide Building Society Availability by Endpoint Category:

October 2023
Account Requests – AIS

100.0%

Account Requests – CoF

99.17%

Accounts

99.93%

Balances

99.94%

Beneficiaries

99.08%

Direct Debits

99.99%

Payments – AIS

100.0%

Payments – CoF

99.96%

Payments – PIS

99.7%

payments-VRP

99.34%

Products

99.12%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

94.62%

Transactions

99.03%

NWB Availability by Endpoint Category:

October 2023
Account Requests – AIS

99.42%

Account Requests – CoF

99.2%

Accounts

99.42%

Balances

99.42%

Beneficiaries

99.42%

Direct Debits

99.42%

Payments – AIS

99.99%

Payments – CoF

99.19%

Payments – PIS

99.19%

payments-VRP

99.19%

Products

99.42%

Standing Orders – AIS

99.42%

Standing Orders – PIS

99.22%

Statements

99.42%

Transactions

99.42%

RBS Availability by Endpoint Category:

October 2023
Account Requests – AIS

99.38%

Account Requests – CoF

99.22%

Accounts

99.38%

Balances

99.38%

Beneficiaries

99.89%

Direct Debits

99.38%

Payments – CoF

99.22%

Payments – PIS

99.22%

payments-VRP

99.23%

Products

99.38%

Standing Orders – AIS

99.85%

Standing Orders – PIS

99.28%

Statements

99.85%

Transactions

99.38%

Santander UK plc Availability by Endpoint Category:

October 2023
Account Requests – AIS

98.92%

Account Requests – CoF

98.92%

Accounts

98.92%

Balances

98.92%

Beneficiaries

98.92%

Direct Debits

98.92%

Payments – CoF

98.92%

Payments – PIS

98.92%

payments-VRP

98.92%

Products

98.92%

Standing Orders – AIS

98.92%

Standing Orders – PIS

99.54%

Statements

98.93%

Transactions

98.92%

UBN Availability by Endpoint Category:

October 2023
Account Requests – AIS

99.33%

Account Requests – CoF

99.1%

Accounts

99.33%

Balances

99.33%

Beneficiaries

99.51%

Direct Debits

99.82%

Payments – AIS

100.0%

Payments – CoF

99.69%

Payments – PIS

99.27%

payments-VRP

99.3%

Products

99.33%

Standing Orders – AIS

99.35%

Standing Orders – PIS

99.27%

Statements

99.96%

Transactions

99.33%

October 2023

Average API response times

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

Average API Response Time

397 milliseconds

Notes on the data: This chart includes data from 9 providers and 20 brands in total.

October 2023

Average API response times by brand

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

Notes on the data: This chart includes data from 9 providers and 20 brands in total.

October 2023

Response times by brand

Select an account provider

AIB (NI) Response times (milliseconds):

October 2023
Account Requests – AIS

183ms

Accounts

143ms

Balances

113ms

Payments – CoF

180ms

Payments – PIS

140ms

Products

189ms

Standing Orders – PIS

138ms

Transactions

122ms

AIB Group (UK) p.l.c. Response times (milliseconds):

October 2023
Account Requests – AIS

103ms

Accounts

66ms

Balances

36ms

Beneficiaries

256ms

Payments – CoF

98ms

Payments – PIS

65ms

Products

88ms

Standing Orders – PIS

67ms

Transactions

44ms

Bank of Ireland UK Response times (milliseconds):

October 2023
Account Requests – AIS

311ms

Accounts

450ms

Balances

467ms

Beneficiaries

2,270ms

Payments – AIS

1,086ms

Payments – CoF

977ms

Payments – PIS

793ms

payments-VRP

1,297ms

Products

639ms

Standing Orders – AIS

1,574ms

Standing Orders – PIS

830ms

Statements

1,443ms

Transactions

534ms

Bank of Scotland Response times (milliseconds):

October 2023
Account Requests – AIS

293ms

Account Requests – CoF

330ms

Accounts

203ms

Balances

217ms

Beneficiaries

448ms

Direct Debits

280ms

Payments – AIS

285ms

Payments – CoF

299ms

Payments – PIS

516ms

payments-VRP

503ms

Products

455ms

Standing Orders – AIS

259ms

Standing Orders – PIS

469ms

Statements

410ms

Transactions

262ms

Barclays Response times (milliseconds):

October 2023
Account Requests – AIS

181ms

Account Requests – CoF

302ms

Accounts

336ms

Balances

311ms

Beneficiaries

388ms

Direct Debits

480ms

Payments – AIS

732ms

Payments – CoF

591ms

Payments – PIS

468ms

payments-VRP

563ms

Products

677ms

Standing Orders – AIS

520ms

Standing Orders – PIS

386ms

Statements

139ms

Transactions

371ms

Cater Allen Response times (milliseconds):

October 2023
Account Requests – AIS

62ms

Accounts

96ms

Balances

89ms

Beneficiaries

93ms

Direct Debits

95ms

Payments – AIS

92ms

Payments – PIS

61ms

Products

93ms

Standing Orders – AIS

94ms

Standing Orders – PIS

39ms

Statements

75ms

Transactions

79ms

Danske Bank Response times (milliseconds):

October 2023
Account Requests – AIS

56ms

Accounts

399ms

Balances

243ms

Beneficiaries

211ms

Direct Debits

462ms

Payments – AIS

369ms

Payments – CoF

112ms

Payments – PIS

223ms

payments-VRP

235ms

Products

146ms

Standing Orders – AIS

517ms

Standing Orders – PIS

223ms

Transactions

522ms

First Direct Response times (milliseconds):

October 2023
Account Requests – AIS

200ms

Account Requests – CoF

350ms

Accounts

475ms

Balances

488ms

Beneficiaries

700ms

Direct Debits

700ms

Payments – AIS

897ms

Payments – CoF

697ms

Payments – PIS

329ms

payments-VRP

449ms

Products

1,019ms

Standing Orders – AIS

848ms

Standing Orders – PIS

344ms

Transactions

653ms

Halifax Response times (milliseconds):

October 2023
Account Requests – AIS

301ms

Account Requests – CoF

320ms

Accounts

201ms

Balances

219ms

Beneficiaries

306ms

Direct Debits

278ms

Payments – AIS

279ms

Payments – CoF

299ms

Payments – PIS

540ms

payments-VRP

485ms

Products

453ms

Standing Orders – AIS

257ms

Standing Orders – PIS

557ms

Statements

412ms

Transactions

269ms

HSBC Business Response times (milliseconds):

October 2023
Account Requests – AIS

253ms

Account Requests – CoF

808ms

Accounts

525ms

Balances

517ms

Beneficiaries

821ms

Direct Debits

555ms

Payments – AIS

433ms

Payments – CoF

683ms

Payments – PIS

613ms

payments-VRP

553ms

Products

908ms

Standing Orders – AIS

398ms

Standing Orders – PIS

416ms

Transactions

711ms

HSBC Kinetic Response times (milliseconds):

October 2023
Account Requests – AIS

206ms

Account Requests – CoF

285ms

Accounts

645ms

Balances

588ms

Beneficiaries

695ms

Direct Debits

1,015ms

Payments – AIS

936ms

Payments – CoF

849ms

Payments – PIS

243ms

payments-VRP

409ms

Products

1,141ms

Standing Orders – AIS

1,073ms

Standing Orders – PIS

252ms

Transactions

706ms

HSBC Personal Response times (milliseconds):

October 2023
Account Requests – AIS

212ms

Account Requests – CoF

360ms

Accounts

456ms

Balances

502ms

Beneficiaries

706ms

Direct Debits

671ms

Payments – AIS

923ms

Payments – CoF

633ms

Payments – PIS

329ms

payments-VRP

434ms

Products

957ms

Standing Orders – AIS

940ms

Standing Orders – PIS

328ms

Transactions

669ms

Lloyds Response times (milliseconds):

October 2023
Account Requests – AIS

299ms

Account Requests – CoF

320ms

Accounts

200ms

Balances

215ms

Beneficiaries

313ms

Direct Debits

278ms

Payments – AIS

282ms

Payments – CoF

296ms

Payments – PIS

524ms

payments-VRP

484ms

Products

453ms

Standing Orders – AIS

258ms

Standing Orders – PIS

541ms

Statements

446ms

Transactions

261ms

MBNA Response times (milliseconds):

October 2023
Account Requests – AIS

308ms

Accounts

200ms

Balances

308ms

Beneficiaries

290ms

Direct Debits

218ms

Payments – PIS

559ms

Products

213ms

Standing Orders – AIS

232ms

Statements

474ms

Transactions

358ms

Mettle Response times (milliseconds):

October 2023
Account Requests – AIS

60ms

Accounts

62ms

Balances

62ms

Beneficiaries

494ms

Direct Debits

265ms

Payments – AIS

70ms

Payments – PIS

104ms

Products

87ms

Statements

84ms

Transactions

94ms

Nationwide Building Society Response times (milliseconds):

October 2023
Account Requests – AIS

80ms

Account Requests – CoF

252ms

Accounts

223ms

Balances

383ms

Beneficiaries

331ms

Direct Debits

694ms

Payments – AIS

298ms

Payments – CoF

300ms

Payments – PIS

306ms

payments-VRP

238ms

Products

223ms

Standing Orders – AIS

247ms

Standing Orders – PIS

328ms

Statements

722ms

Transactions

231ms

NWB Response times (milliseconds):

October 2023
Account Requests – AIS

152ms

Account Requests – CoF

489ms

Accounts

369ms

Balances

324ms

Beneficiaries

436ms

Direct Debits

253ms

Payments – AIS

89ms

Payments – CoF

209ms

Payments – PIS

437ms

payments-VRP

531ms

Products

208ms

Standing Orders – AIS

257ms

Standing Orders – PIS

368ms

Statements

147ms

Transactions

436ms

RBS Response times (milliseconds):

October 2023
Account Requests – AIS

157ms

Account Requests – CoF

595ms

Accounts

375ms

Balances

336ms

Beneficiaries

513ms

Direct Debits

265ms

Payments – CoF

226ms

Payments – PIS

529ms

payments-VRP

606ms

Products

209ms

Standing Orders – AIS

270ms

Standing Orders – PIS

465ms

Statements

153ms

Transactions

442ms

Santander UK plc Response times (milliseconds):

October 2023
Account Requests – AIS

507ms

Account Requests – CoF

626ms

Accounts

635ms

Balances

726ms

Beneficiaries

918ms

Direct Debits

791ms

Payments – CoF

790ms

Payments – PIS

544ms

payments-VRP

446ms

Products

618ms

Standing Orders – AIS

769ms

Standing Orders – PIS

610ms

Statements

738ms

Transactions

892ms

UBN Response times (milliseconds):

October 2023
Account Requests – AIS

174ms

Account Requests – CoF

1,054ms

Accounts

443ms

Balances

398ms

Beneficiaries

600ms

Direct Debits

266ms

Payments – AIS

122ms

Payments – CoF

272ms

Payments – PIS

674ms

payments-VRP

907ms

Products

192ms

Standing Orders – AIS

258ms

Standing Orders – PIS

558ms

Statements

199ms

Transactions

469ms

October 2023

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 1,174,411,714 % of overall total calls 99.22%

AIS

Total calls 962,500,494 % of overall total calls 81.32%

PIS

Total calls 48,754,835 % of overall total calls 4.12%
October 2023

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 2023

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 2023

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 2023

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 2023

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 9,224,154 % of overall total calls 0.78%

Business

Total calls 5,548,058 % of overall total calls 0.47%

Technical

Total calls 3,676,096 % of overall total calls 0.31%

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 2023

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 2023

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 2023

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 2023

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 1,353,945 % of overall total calls 0.114%

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 2023

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.