API Performance StatsSelect a month:October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 2023December 2022November 2022October 2022September 2022August 2022July 2022June 2022May 2022April 2022March 2022February 2022January 2022December 2021November 2021October 2021September 2021August 2021July 2021June 2021May 2021April 2021March 2021February 2021January 2021December 2020November 2020October 2020September 2020August 2020July 2020June 2020May 2020April 2020March 2020February 2020January 2020December 2019November 2019October 2019September 2019Download historical data (last 12 months):Download dataHistoric Data Download (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.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. 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: 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 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’ 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 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 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) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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 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% 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 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) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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 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% Average API response times Average API response times by brand Response times by brand 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) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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 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 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 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. Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand 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. Rejected API calls Rejected API calls by brand 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.
API Performance StatsSelect a month:October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 2023December 2022November 2022October 2022September 2022August 2022July 2022June 2022May 2022April 2022March 2022February 2022January 2022December 2021November 2021October 2021September 2021August 2021July 2021June 2021May 2021April 2021March 2021February 2021January 2021December 2020November 2020October 2020September 2020August 2020July 2020June 2020May 2020April 2020March 2020February 2020January 2020December 2019November 2019October 2019September 2019Download historical data (last 12 months):Download dataHistoric Data Download (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.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. 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: 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 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’ 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
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 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 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) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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 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% 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 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) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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 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% Average API response times Average API response times by brand Response times by brand 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) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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 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 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 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. Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand 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. Rejected API calls Rejected API calls by brand 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.
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
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 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) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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 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 – 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) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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 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%
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 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) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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 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 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 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 Cater Allen 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 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%
Average API response times Average API response times by brand Response times by brand 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) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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 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 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) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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 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
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 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 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.
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand 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 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.
Rejected API calls Rejected API calls by brand 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.
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.