API Performance StatsSelect a month:September 2026August 2026July 2026June 2026May 2026April 2026March 2026February 2026January 2026December 2025November 2025October 2025September 2025August 2025July 2025June 2025May 2025March 2025April 2025February 2025January 2025December 2024November 2024October 2024September 2024August 2024July 2024June 2024May 2024April 2024March 2024February 2024January 2024December 2023November 2023October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 2023December 2022November 2022October 2022September 2022August 2022Download historical data (last 12 months):Download dataHistoric Data Download- csv September 2026 (CSV)Historic Data Download (PDF) Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.Notes on the data: Unweighted average availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since August 2026 there have been 9 Providers and 19 brands providing data. Download chart Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Weighted availability is calculated by applying a factor to the availability of each endpoint, each day, based on the proportion of total daily API calls to that endpoint.Notes on the data: Weighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since August 2026 there have been 9 Providers and 19 brands providing data. Download chart Successful API calls This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since August 2026 there have been 9 Providers and 19 brands providing data. Download chart Successful Payments This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful payments initiated are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since August 2026 there have been 9 Providers and 19 brands providing data. Download chart Average API call response times This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since August 2026 there have been 9 Providers and 19 brands providing data. Download chart Open Banking User Connections All User Connections AIS User Connections PIS User Connections All User Connections This chart shows the total and number of new user conections consuming Open Banking services each month Notes on the data:All user connections have consumed AIS and/or PIS services in the reporting period. Total user connections as reported includes the volume of new user connections.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 user connections have consumed AIS and/or PIS services for the first time during the reporting period. User connections consuming both services for the first time in different reporting periods, will be reported as a new user connection in each period in the ‘All User connections’ chartSince August 2026 there have been 9 Providers and 19 brands providing data. Download chart AIS User Connections This chart shows the total and number of new user connections consuming Open Banking services each month Notes on the data: All user connections have consumed AIS and/or PIS services in the reporting period. Total user connections as reported includes the volume of new user connections.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 user connections have consumed AIS and/or PIS services for the first time during the reporting period. User connections consuming both services for the first time in different reporting periods, will be reported as a new user connections in each period in the ‘All User Connections’ chart Download chart PIS User Connections This chart shows the total and number of PIS user connections consuming Open Banking services each month Notes on the data: All user connections have consumed AIS and/or PIS services in the reporting period. Total user connections as reported includes the volume of new user connections.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 user connections have consumed AIS and/or PIS services for the first time during the reporting period. User connections consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All User Connections’ chart Download chart September key performance metrics99.51%Average API Availability327msAverage API Response Time99.52%Successful API Calls (%)99.79%Average API availability – weighted2921.8mSuccessful API Calls Actual0.48%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 September 2026 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API availability 99.49% Core hours (06:00-00:00) 99.67% Non core hours (00:00-06:00) 98.96% 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. September 2026 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 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 September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 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 September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.58% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.58% Statements 100.00% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.58% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.58% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: September 2026 Account Requests – AIS 97.33% Account Requests – COF 97.33% Accounts 97.33% Balances 97.33% Beneficiaries 97.33% Payments – AIS 97.33% Payments – CoF 97.33% Payments – PIS 97.33% Payments – VRP 97.33% Products 97.33% Standing Orders – AIS 97.33% Standing Orders – PIS 97.33% Statements 97.33% Transactions 97.33% Bank of Scotland Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: September 2026 Account Requests – AIS 99.82% Account Requests – COF 99.87% Accounts 99.82% Balances 99.82% Beneficiaries 99.82% Direct Debits 99.82% Payments – AIS 99.82% Payments – CoF 99.87% Payments – PIS 99.70% Payments – VRP 99.70% Products 99.82% Standing Orders – AIS 99.82% Standing Orders – PIS 99.70% Statements 99.82% Transactions 99.82% Coutts Availability by Endpoint Category: September 2026 Account Requests – AIS 96.67% Account Requests – COF 96.67% Accounts 96.67% Balances 100.00% Beneficiaries 96.67% Direct Debits 96.67% Payments – AIS 96.67% Payments – CoF 96.67% Payments – PIS 96.67% Payments – VRP 99.44% Products 96.67% Standing Orders – AIS 96.67% Standing Orders – PIS 96.67% Transactions 96.67% Danske Bank Availability by Endpoint Category: September 2026 Account Requests – AIS 99.90% Account Requests – COF 100.00% Accounts 99.90% Balances 99.90% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 99.95% Payments – CoF 99.99% Payments – PIS 99.89% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.90% First Direct Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.95% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.85% Halifax Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 99.95% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.68% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.93% HSBC Personal Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.95% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.88% Lloyds Availability by Endpoint Category: September 2026 Account Requests – AIS 99.94% Account Requests – COF 100.00% Accounts 99.93% Balances 99.97% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.95% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.97% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.97% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: September 2026 Account Requests – AIS 99.90% Account Requests – COF 99.99% Accounts 99.90% Balances 99.90% Beneficiaries 99.90% Direct Debits 99.90% Payments – AIS 99.90% Payments – CoF 99.98% Payments – PIS 99.98% Payments – VRP 99.98% Products 99.90% Standing Orders – AIS 99.90% Standing Orders – PIS 99.98% Statements 99.93% Transactions 99.90% RBS Availability by Endpoint Category: September 2026 Account Requests – AIS 99.89% Account Requests – COF 100.00% Accounts 99.89% Balances 99.89% Beneficiaries 99.89% Direct Debits 99.89% Payments – AIS 99.89% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.89% Standing Orders – AIS 99.89% Standing Orders – PIS 100.00% Statements 99.89% Transactions 99.89% Santander UK plc Availability by Endpoint Category: September 2026 Account Requests – AIS 98.83% Account Requests – COF 98.83% Accounts 98.83% Balances 98.83% Beneficiaries 98.83% Direct Debits 98.83% Payments – CoF 98.83% Payments – PIS 98.83% Payments – VRP 98.83% Products 98.83% Standing Orders – AIS 98.83% Standing Orders – PIS 98.83% Statements 98.83% Transactions 98.83% UBN Availability by Endpoint Category: September 2026 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.92% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.92% Payments – AIS 99.92% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.92% Standing Orders – AIS 99.92% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.92% 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 September 2026 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average weighted API availability 99.79 % Core hours (06:00-00:00) 99.79 % Non core hours (00:00-06:00) 99.86 % September 2026 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.97% Payments – VRP 98.04% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.84% Statements 100.00% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.89% Payments – VRP 98.61% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.83% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: September 2026 Account Requests – AIS 99.32% Account Requests – COF 85.41% Accounts 99.31% Balances 99.28% Beneficiaries 85.13% Payments – AIS 90.94% Payments – CoF 99.63% Payments – PIS 99.41% Payments – VRP 98.80% Products 98.79% Standing Orders – AIS 95.40% Standing Orders – PIS 99.18% Statements 90.20% Transactions 99.28% Bank of Scotland Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: September 2026 Account Requests – AIS 99.90% Account Requests – COF 99.84% Accounts 99.91% Balances 99.91% Beneficiaries 99.92% Direct Debits 99.91% Payments – AIS 99.91% Payments – CoF 99.82% Payments – PIS 99.75% Payments – VRP 99.70% Products 99.89% Standing Orders – AIS 99.91% Standing Orders – PIS 99.72% Statements 99.94% Transactions 99.91% Coutts Availability by Endpoint Category: September 2026 Account Requests – AIS 99.15% Account Requests – COF 96.50% Accounts 99.90% Balances 100.00% Beneficiaries 97.44% Direct Debits 97.37% Payments – AIS 97.37% Payments – CoF 97.62% Payments – PIS 97.62% Payments – VRP 99.17% Products 97.60% Standing Orders – AIS 97.27% Standing Orders – PIS 87.26% Transactions 97.33% Danske Bank Availability by Endpoint Category: September 2026 Account Requests – AIS 99.89% Account Requests – COF 100.00% Accounts 99.89% Balances 99.89% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 99.98% Payments – CoF 99.99% Payments – PIS 99.92% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.89% First Direct Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.96% Halifax Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 99.97% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.80% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.96% HSBC Personal Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.97% Lloyds Availability by Endpoint Category: September 2026 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.97% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% MBNA Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – PIS 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.97% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.99% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: September 2026 Account Requests – AIS 99.91% Account Requests – COF 100.00% Accounts 99.91% Balances 99.91% Beneficiaries 99.90% Direct Debits 99.91% Payments – AIS 99.90% Payments – CoF 99.99% Payments – PIS 99.99% Payments – VRP 99.99% Products 99.91% Standing Orders – AIS 99.91% Standing Orders – PIS 99.99% Statements 99.97% Transactions 99.91% RBS Availability by Endpoint Category: September 2026 Account Requests – AIS 99.89% Account Requests – COF 100.00% Accounts 99.89% Balances 99.90% Beneficiaries 99.88% Direct Debits 99.89% Payments – AIS 99.86% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.91% Standing Orders – AIS 99.89% Standing Orders – PIS 100.00% Statements 99.96% Transactions 99.90% Santander UK plc Availability by Endpoint Category: September 2026 Account Requests – AIS 98.49% Account Requests – COF 98.33% Accounts 98.44% Balances 98.54% Beneficiaries 98.90% Direct Debits 98.93% Payments – CoF 98.07% Payments – PIS 97.92% Payments – VRP 97.66% Products 98.95% Standing Orders – AIS 98.83% Standing Orders – PIS 98.70% Statements 99.46% Transactions 98.58% UBN Availability by Endpoint Category: September 2026 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.92% Balances 99.93% Beneficiaries 99.90% Direct Debits 99.93% Payments – AIS 99.91% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.94% Standing Orders – AIS 99.93% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.92% Average API response times Average API response times by brand Response times by brand September 2026 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API Response Time 327 milliseconds September 2026 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): September 2026 Account Requests – AIS 181ms Accounts 140ms Balances 114ms Beneficiaries 1,115ms Direct Debits 559ms Payments – AIS 93ms Payments – CoF 168ms Payments – PIS 191ms Payments – VRP 1,831ms Products 332ms Standing Orders – AIS 145ms Standing Orders – PIS 153ms Statements 85ms Transactions 127ms AIB Group (UK) p.l.c. Response times (milliseconds): September 2026 Account Requests – AIS 118ms Accounts 77ms Balances 52ms Payments – AIS 28ms Payments – CoF 107ms Payments – PIS 80ms Payments – VRP 2,238ms Products 256ms Standing Orders – AIS 80ms Standing Orders – PIS 98ms Transactions 61ms Bank of Ireland UK Response times (milliseconds): September 2026 Account Requests – AIS 179ms Account Requests – COF 618ms Accounts 288ms Balances 296ms Beneficiaries 1,029ms Payments – AIS 680ms Payments – CoF 479ms Payments – PIS 864ms Payments – VRP 887ms Products 410ms Standing Orders – AIS 1,026ms Standing Orders – PIS 806ms Statements 918ms Transactions 314ms Bank of Scotland Response times (milliseconds): September 2026 Account Requests – AIS 205ms Account Requests – COF 235ms Accounts 200ms Balances 146ms Beneficiaries 232ms Direct Debits 219ms Payments – AIS 207ms Payments – CoF 219ms Payments – PIS 400ms Payments – VRP 396ms Products 432ms Standing Orders – AIS 197ms Standing Orders – PIS 422ms Statements 334ms Transactions 236ms Barclays Response times (milliseconds): September 2026 Account Requests – AIS 115ms Account Requests – COF 186ms Accounts 180ms Balances 162ms Beneficiaries 228ms Direct Debits 178ms Payments – AIS 218ms Payments – CoF 267ms Payments – PIS 179ms Payments – VRP 264ms Products 347ms Standing Orders – AIS 192ms Standing Orders – PIS 157ms Statements 130ms Transactions 213ms Coutts Response times (milliseconds): September 2026 Account Requests – AIS 579ms Account Requests – COF 549ms Accounts 247ms Balances 198ms Beneficiaries 394ms Direct Debits 235ms Payments – AIS 624ms Payments – CoF 337ms Payments – PIS 566ms Payments – VRP 998ms Products 248ms Standing Orders – AIS 337ms Standing Orders – PIS 1,001ms Transactions 392ms Danske Bank Response times (milliseconds): September 2026 Account Requests – AIS 88ms Account Requests – COF 302ms Accounts 596ms Balances 237ms Beneficiaries 235ms Direct Debits 388ms Payments – AIS 246ms Payments – CoF 161ms Payments – PIS 174ms Payments – VRP 287ms Products 163ms Standing Orders – AIS 339ms Standing Orders – PIS 194ms Transactions 596ms First Direct Response times (milliseconds): September 2026 Account Requests – AIS 188ms Account Requests – COF 394ms Accounts 433ms Balances 391ms Beneficiaries 577ms Direct Debits 531ms Payments – AIS 704ms Payments – CoF 262ms Payments – PIS 374ms Payments – VRP 394ms Products 618ms Standing Orders – AIS 552ms Standing Orders – PIS 268ms Statements 160ms Transactions 531ms Halifax Response times (milliseconds): September 2026 Account Requests – AIS 212ms Account Requests – COF 236ms Accounts 201ms Balances 148ms Beneficiaries 230ms Direct Debits 219ms Payments – AIS 204ms Payments – CoF 219ms Payments – PIS 399ms Payments – VRP 396ms Products 430ms Standing Orders – AIS 197ms Standing Orders – PIS 504ms Statements 360ms Transactions 255ms HSBC Business Response times (milliseconds): September 2026 Account Requests – AIS 228ms Account Requests – COF 354ms Accounts 372ms Balances 360ms Beneficiaries 311ms Direct Debits 669ms Payments – AIS 264ms Payments – CoF 298ms Payments – PIS 518ms Payments – VRP 527ms Products 819ms Standing Orders – AIS 351ms Standing Orders – PIS 562ms Statements 6,409ms Transactions 468ms HSBC Personal Response times (milliseconds): September 2026 Account Requests – AIS 183ms Account Requests – COF 358ms Accounts 432ms Balances 391ms Beneficiaries 451ms Direct Debits 511ms Payments – AIS 763ms Payments – CoF 257ms Payments – PIS 363ms Payments – VRP 357ms Products 630ms Standing Orders – AIS 662ms Standing Orders – PIS 262ms Statements 309ms Transactions 545ms Lloyds Response times (milliseconds): September 2026 Account Requests – AIS 215ms Account Requests – COF 224ms Accounts 198ms Balances 146ms Beneficiaries 228ms Direct Debits 218ms Payments – AIS 211ms Payments – CoF 218ms Payments – PIS 392ms Payments – VRP 392ms Products 430ms Standing Orders – AIS 197ms Standing Orders – PIS 487ms Statements 360ms Transactions 251ms MBNA Response times (milliseconds): September 2026 Account Requests – AIS 216ms Accounts 132ms Balances 251ms Beneficiaries 223ms Direct Debits 228ms Payments – PIS 215ms Products 155ms Standing Orders – AIS 159ms Statements 498ms Transactions 481ms Mettle Response times (milliseconds): September 2026 Account Requests – AIS 93ms Accounts 199ms Balances 188ms Beneficiaries 131ms Direct Debits 363ms Payments – AIS 127ms Payments – PIS 176ms Payments – VRP 220ms Products 149ms Standing Orders – AIS 118ms Statements 233ms Transactions 246ms Nationwide Building Society Response times (milliseconds): September 2026 Account Requests – AIS 166ms Account Requests – COF 279ms Accounts 261ms Balances 238ms Beneficiaries 351ms Direct Debits 677ms Payments – AIS 161ms Payments – CoF 252ms Payments – PIS 431ms Payments – VRP 283ms Products 267ms Standing Orders – AIS 261ms Standing Orders – PIS 422ms Statements 649ms Transactions 273ms NWB Response times (milliseconds): September 2026 Account Requests – AIS 154ms Account Requests – COF 421ms Accounts 467ms Balances 480ms Beneficiaries 807ms Direct Debits 280ms Payments – AIS 330ms Payments – CoF 254ms Payments – PIS 360ms Payments – VRP 317ms Products 323ms Standing Orders – AIS 331ms Standing Orders – PIS 312ms Statements 195ms Transactions 394ms RBS Response times (milliseconds): September 2026 Account Requests – AIS 165ms Account Requests – COF 407ms Accounts 414ms Balances 412ms Beneficiaries 815ms Direct Debits 270ms Payments – AIS 316ms Payments – CoF 273ms Payments – PIS 384ms Payments – VRP 324ms Products 285ms Standing Orders – AIS 323ms Standing Orders – PIS 368ms Statements 225ms Transactions 383ms Santander UK plc Response times (milliseconds): September 2026 Account Requests – AIS 25ms Account Requests – COF 132ms Accounts 127ms Balances 74ms Beneficiaries 193ms Direct Debits 143ms Payments – CoF 115ms Payments – PIS 238ms Payments – VRP 150ms Products 79ms Standing Orders – AIS 84ms Standing Orders – PIS 167ms Statements 16ms Transactions 158ms UBN Response times (milliseconds): September 2026 Account Requests – AIS 154ms Account Requests – COF 518ms Accounts 417ms Balances 369ms Beneficiaries 769ms Direct Debits 263ms Payments – AIS 276ms Payments – CoF 295ms Payments – PIS 418ms Payments – VRP 361ms Products 293ms Standing Orders – AIS 276ms Standing Orders – PIS 402ms Statements 199ms Transactions 347ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand September 2026 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Successful API calls Total calls 2,921,765,060 % of overall total calls 99.52 % AIS Total calls 2,296,222,588 % of overall total calls 99.45 % PIS Total calls 169,127,021 % of overall total calls 99.59 % September 2026 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand September 2026 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed API Calls Total calls 14,214,138 % of overall total calls 0.48% Business Total calls 11,918,107 % of overall total calls 0.41% Technical Total calls 2,296,031 % of overall total calls 0.08% 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. September 2026 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed Technical calls Failed Business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2026 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed business calls as % of total calls Volume of failed business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2026 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed technical calls as % of total calls Volume of failed technical calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. Rejected API calls Rejected API calls by brand September 2026 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Rejected API Calls Total calls 3,654,368 % of overall total calls 0.124% 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. September 2026 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
API Performance StatsSelect a month:September 2026August 2026July 2026June 2026May 2026April 2026March 2026February 2026January 2026December 2025November 2025October 2025September 2025August 2025July 2025June 2025May 2025March 2025April 2025February 2025January 2025December 2024November 2024October 2024September 2024August 2024July 2024June 2024May 2024April 2024March 2024February 2024January 2024December 2023November 2023October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 2023December 2022November 2022October 2022September 2022August 2022Download historical data (last 12 months):Download dataHistoric Data Download- csv September 2026 (CSV)Historic Data Download (PDF)
Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.Notes on the data: Unweighted average availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since August 2026 there have been 9 Providers and 19 brands providing data. Download chart
Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Weighted availability is calculated by applying a factor to the availability of each endpoint, each day, based on the proportion of total daily API calls to that endpoint.Notes on the data: Weighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since August 2026 there have been 9 Providers and 19 brands providing data. Download chart
Successful API calls This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since August 2026 there have been 9 Providers and 19 brands providing data. Download chart
Successful Payments This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful payments initiated are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since August 2026 there have been 9 Providers and 19 brands providing data. Download chart
Average API call response times This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since August 2026 there have been 9 Providers and 19 brands providing data. Download chart
Open Banking User Connections All User Connections AIS User Connections PIS User Connections All User Connections This chart shows the total and number of new user conections consuming Open Banking services each month Notes on the data:All user connections have consumed AIS and/or PIS services in the reporting period. Total user connections as reported includes the volume of new user connections.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 user connections have consumed AIS and/or PIS services for the first time during the reporting period. User connections consuming both services for the first time in different reporting periods, will be reported as a new user connection in each period in the ‘All User connections’ chartSince August 2026 there have been 9 Providers and 19 brands providing data. Download chart AIS User Connections This chart shows the total and number of new user connections consuming Open Banking services each month Notes on the data: All user connections have consumed AIS and/or PIS services in the reporting period. Total user connections as reported includes the volume of new user connections.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 user connections have consumed AIS and/or PIS services for the first time during the reporting period. User connections consuming both services for the first time in different reporting periods, will be reported as a new user connections in each period in the ‘All User Connections’ chart Download chart PIS User Connections This chart shows the total and number of PIS user connections consuming Open Banking services each month Notes on the data: All user connections have consumed AIS and/or PIS services in the reporting period. Total user connections as reported includes the volume of new user connections.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 user connections have consumed AIS and/or PIS services for the first time during the reporting period. User connections consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All User Connections’ chart Download chart
All User Connections This chart shows the total and number of new user conections consuming Open Banking services each month Notes on the data:All user connections have consumed AIS and/or PIS services in the reporting period. Total user connections as reported includes the volume of new user connections.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 user connections have consumed AIS and/or PIS services for the first time during the reporting period. User connections consuming both services for the first time in different reporting periods, will be reported as a new user connection in each period in the ‘All User connections’ chartSince August 2026 there have been 9 Providers and 19 brands providing data. Download chart
AIS User Connections This chart shows the total and number of new user connections consuming Open Banking services each month Notes on the data: All user connections have consumed AIS and/or PIS services in the reporting period. Total user connections as reported includes the volume of new user connections.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 user connections have consumed AIS and/or PIS services for the first time during the reporting period. User connections consuming both services for the first time in different reporting periods, will be reported as a new user connections in each period in the ‘All User Connections’ chart Download chart
PIS User Connections This chart shows the total and number of PIS user connections consuming Open Banking services each month Notes on the data: All user connections have consumed AIS and/or PIS services in the reporting period. Total user connections as reported includes the volume of new user connections.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 user connections have consumed AIS and/or PIS services for the first time during the reporting period. User connections consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All User Connections’ chart Download chart
September key performance metrics99.51%Average API Availability327msAverage API Response Time99.52%Successful API Calls (%)99.79%Average API availability – weighted2921.8mSuccessful API Calls Actual0.48%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 September 2026 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API availability 99.49% Core hours (06:00-00:00) 99.67% Non core hours (00:00-06:00) 98.96% 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. September 2026 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 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 September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 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 September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.58% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.58% Statements 100.00% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.58% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.58% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: September 2026 Account Requests – AIS 97.33% Account Requests – COF 97.33% Accounts 97.33% Balances 97.33% Beneficiaries 97.33% Payments – AIS 97.33% Payments – CoF 97.33% Payments – PIS 97.33% Payments – VRP 97.33% Products 97.33% Standing Orders – AIS 97.33% Standing Orders – PIS 97.33% Statements 97.33% Transactions 97.33% Bank of Scotland Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: September 2026 Account Requests – AIS 99.82% Account Requests – COF 99.87% Accounts 99.82% Balances 99.82% Beneficiaries 99.82% Direct Debits 99.82% Payments – AIS 99.82% Payments – CoF 99.87% Payments – PIS 99.70% Payments – VRP 99.70% Products 99.82% Standing Orders – AIS 99.82% Standing Orders – PIS 99.70% Statements 99.82% Transactions 99.82% Coutts Availability by Endpoint Category: September 2026 Account Requests – AIS 96.67% Account Requests – COF 96.67% Accounts 96.67% Balances 100.00% Beneficiaries 96.67% Direct Debits 96.67% Payments – AIS 96.67% Payments – CoF 96.67% Payments – PIS 96.67% Payments – VRP 99.44% Products 96.67% Standing Orders – AIS 96.67% Standing Orders – PIS 96.67% Transactions 96.67% Danske Bank Availability by Endpoint Category: September 2026 Account Requests – AIS 99.90% Account Requests – COF 100.00% Accounts 99.90% Balances 99.90% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 99.95% Payments – CoF 99.99% Payments – PIS 99.89% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.90% First Direct Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.95% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.85% Halifax Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 99.95% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.68% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.93% HSBC Personal Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.95% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.88% Lloyds Availability by Endpoint Category: September 2026 Account Requests – AIS 99.94% Account Requests – COF 100.00% Accounts 99.93% Balances 99.97% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.95% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.97% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.97% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: September 2026 Account Requests – AIS 99.90% Account Requests – COF 99.99% Accounts 99.90% Balances 99.90% Beneficiaries 99.90% Direct Debits 99.90% Payments – AIS 99.90% Payments – CoF 99.98% Payments – PIS 99.98% Payments – VRP 99.98% Products 99.90% Standing Orders – AIS 99.90% Standing Orders – PIS 99.98% Statements 99.93% Transactions 99.90% RBS Availability by Endpoint Category: September 2026 Account Requests – AIS 99.89% Account Requests – COF 100.00% Accounts 99.89% Balances 99.89% Beneficiaries 99.89% Direct Debits 99.89% Payments – AIS 99.89% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.89% Standing Orders – AIS 99.89% Standing Orders – PIS 100.00% Statements 99.89% Transactions 99.89% Santander UK plc Availability by Endpoint Category: September 2026 Account Requests – AIS 98.83% Account Requests – COF 98.83% Accounts 98.83% Balances 98.83% Beneficiaries 98.83% Direct Debits 98.83% Payments – CoF 98.83% Payments – PIS 98.83% Payments – VRP 98.83% Products 98.83% Standing Orders – AIS 98.83% Standing Orders – PIS 98.83% Statements 98.83% Transactions 98.83% UBN Availability by Endpoint Category: September 2026 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.92% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.92% Payments – AIS 99.92% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.92% Standing Orders – AIS 99.92% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.92% 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 September 2026 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average weighted API availability 99.79 % Core hours (06:00-00:00) 99.79 % Non core hours (00:00-06:00) 99.86 % September 2026 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.97% Payments – VRP 98.04% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.84% Statements 100.00% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.89% Payments – VRP 98.61% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.83% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: September 2026 Account Requests – AIS 99.32% Account Requests – COF 85.41% Accounts 99.31% Balances 99.28% Beneficiaries 85.13% Payments – AIS 90.94% Payments – CoF 99.63% Payments – PIS 99.41% Payments – VRP 98.80% Products 98.79% Standing Orders – AIS 95.40% Standing Orders – PIS 99.18% Statements 90.20% Transactions 99.28% Bank of Scotland Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: September 2026 Account Requests – AIS 99.90% Account Requests – COF 99.84% Accounts 99.91% Balances 99.91% Beneficiaries 99.92% Direct Debits 99.91% Payments – AIS 99.91% Payments – CoF 99.82% Payments – PIS 99.75% Payments – VRP 99.70% Products 99.89% Standing Orders – AIS 99.91% Standing Orders – PIS 99.72% Statements 99.94% Transactions 99.91% Coutts Availability by Endpoint Category: September 2026 Account Requests – AIS 99.15% Account Requests – COF 96.50% Accounts 99.90% Balances 100.00% Beneficiaries 97.44% Direct Debits 97.37% Payments – AIS 97.37% Payments – CoF 97.62% Payments – PIS 97.62% Payments – VRP 99.17% Products 97.60% Standing Orders – AIS 97.27% Standing Orders – PIS 87.26% Transactions 97.33% Danske Bank Availability by Endpoint Category: September 2026 Account Requests – AIS 99.89% Account Requests – COF 100.00% Accounts 99.89% Balances 99.89% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 99.98% Payments – CoF 99.99% Payments – PIS 99.92% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.89% First Direct Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.96% Halifax Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 99.97% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.80% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.96% HSBC Personal Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.97% Lloyds Availability by Endpoint Category: September 2026 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.97% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% MBNA Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – PIS 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.97% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.99% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: September 2026 Account Requests – AIS 99.91% Account Requests – COF 100.00% Accounts 99.91% Balances 99.91% Beneficiaries 99.90% Direct Debits 99.91% Payments – AIS 99.90% Payments – CoF 99.99% Payments – PIS 99.99% Payments – VRP 99.99% Products 99.91% Standing Orders – AIS 99.91% Standing Orders – PIS 99.99% Statements 99.97% Transactions 99.91% RBS Availability by Endpoint Category: September 2026 Account Requests – AIS 99.89% Account Requests – COF 100.00% Accounts 99.89% Balances 99.90% Beneficiaries 99.88% Direct Debits 99.89% Payments – AIS 99.86% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.91% Standing Orders – AIS 99.89% Standing Orders – PIS 100.00% Statements 99.96% Transactions 99.90% Santander UK plc Availability by Endpoint Category: September 2026 Account Requests – AIS 98.49% Account Requests – COF 98.33% Accounts 98.44% Balances 98.54% Beneficiaries 98.90% Direct Debits 98.93% Payments – CoF 98.07% Payments – PIS 97.92% Payments – VRP 97.66% Products 98.95% Standing Orders – AIS 98.83% Standing Orders – PIS 98.70% Statements 99.46% Transactions 98.58% UBN Availability by Endpoint Category: September 2026 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.92% Balances 99.93% Beneficiaries 99.90% Direct Debits 99.93% Payments – AIS 99.91% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.94% Standing Orders – AIS 99.93% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.92% Average API response times Average API response times by brand Response times by brand September 2026 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API Response Time 327 milliseconds September 2026 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): September 2026 Account Requests – AIS 181ms Accounts 140ms Balances 114ms Beneficiaries 1,115ms Direct Debits 559ms Payments – AIS 93ms Payments – CoF 168ms Payments – PIS 191ms Payments – VRP 1,831ms Products 332ms Standing Orders – AIS 145ms Standing Orders – PIS 153ms Statements 85ms Transactions 127ms AIB Group (UK) p.l.c. Response times (milliseconds): September 2026 Account Requests – AIS 118ms Accounts 77ms Balances 52ms Payments – AIS 28ms Payments – CoF 107ms Payments – PIS 80ms Payments – VRP 2,238ms Products 256ms Standing Orders – AIS 80ms Standing Orders – PIS 98ms Transactions 61ms Bank of Ireland UK Response times (milliseconds): September 2026 Account Requests – AIS 179ms Account Requests – COF 618ms Accounts 288ms Balances 296ms Beneficiaries 1,029ms Payments – AIS 680ms Payments – CoF 479ms Payments – PIS 864ms Payments – VRP 887ms Products 410ms Standing Orders – AIS 1,026ms Standing Orders – PIS 806ms Statements 918ms Transactions 314ms Bank of Scotland Response times (milliseconds): September 2026 Account Requests – AIS 205ms Account Requests – COF 235ms Accounts 200ms Balances 146ms Beneficiaries 232ms Direct Debits 219ms Payments – AIS 207ms Payments – CoF 219ms Payments – PIS 400ms Payments – VRP 396ms Products 432ms Standing Orders – AIS 197ms Standing Orders – PIS 422ms Statements 334ms Transactions 236ms Barclays Response times (milliseconds): September 2026 Account Requests – AIS 115ms Account Requests – COF 186ms Accounts 180ms Balances 162ms Beneficiaries 228ms Direct Debits 178ms Payments – AIS 218ms Payments – CoF 267ms Payments – PIS 179ms Payments – VRP 264ms Products 347ms Standing Orders – AIS 192ms Standing Orders – PIS 157ms Statements 130ms Transactions 213ms Coutts Response times (milliseconds): September 2026 Account Requests – AIS 579ms Account Requests – COF 549ms Accounts 247ms Balances 198ms Beneficiaries 394ms Direct Debits 235ms Payments – AIS 624ms Payments – CoF 337ms Payments – PIS 566ms Payments – VRP 998ms Products 248ms Standing Orders – AIS 337ms Standing Orders – PIS 1,001ms Transactions 392ms Danske Bank Response times (milliseconds): September 2026 Account Requests – AIS 88ms Account Requests – COF 302ms Accounts 596ms Balances 237ms Beneficiaries 235ms Direct Debits 388ms Payments – AIS 246ms Payments – CoF 161ms Payments – PIS 174ms Payments – VRP 287ms Products 163ms Standing Orders – AIS 339ms Standing Orders – PIS 194ms Transactions 596ms First Direct Response times (milliseconds): September 2026 Account Requests – AIS 188ms Account Requests – COF 394ms Accounts 433ms Balances 391ms Beneficiaries 577ms Direct Debits 531ms Payments – AIS 704ms Payments – CoF 262ms Payments – PIS 374ms Payments – VRP 394ms Products 618ms Standing Orders – AIS 552ms Standing Orders – PIS 268ms Statements 160ms Transactions 531ms Halifax Response times (milliseconds): September 2026 Account Requests – AIS 212ms Account Requests – COF 236ms Accounts 201ms Balances 148ms Beneficiaries 230ms Direct Debits 219ms Payments – AIS 204ms Payments – CoF 219ms Payments – PIS 399ms Payments – VRP 396ms Products 430ms Standing Orders – AIS 197ms Standing Orders – PIS 504ms Statements 360ms Transactions 255ms HSBC Business Response times (milliseconds): September 2026 Account Requests – AIS 228ms Account Requests – COF 354ms Accounts 372ms Balances 360ms Beneficiaries 311ms Direct Debits 669ms Payments – AIS 264ms Payments – CoF 298ms Payments – PIS 518ms Payments – VRP 527ms Products 819ms Standing Orders – AIS 351ms Standing Orders – PIS 562ms Statements 6,409ms Transactions 468ms HSBC Personal Response times (milliseconds): September 2026 Account Requests – AIS 183ms Account Requests – COF 358ms Accounts 432ms Balances 391ms Beneficiaries 451ms Direct Debits 511ms Payments – AIS 763ms Payments – CoF 257ms Payments – PIS 363ms Payments – VRP 357ms Products 630ms Standing Orders – AIS 662ms Standing Orders – PIS 262ms Statements 309ms Transactions 545ms Lloyds Response times (milliseconds): September 2026 Account Requests – AIS 215ms Account Requests – COF 224ms Accounts 198ms Balances 146ms Beneficiaries 228ms Direct Debits 218ms Payments – AIS 211ms Payments – CoF 218ms Payments – PIS 392ms Payments – VRP 392ms Products 430ms Standing Orders – AIS 197ms Standing Orders – PIS 487ms Statements 360ms Transactions 251ms MBNA Response times (milliseconds): September 2026 Account Requests – AIS 216ms Accounts 132ms Balances 251ms Beneficiaries 223ms Direct Debits 228ms Payments – PIS 215ms Products 155ms Standing Orders – AIS 159ms Statements 498ms Transactions 481ms Mettle Response times (milliseconds): September 2026 Account Requests – AIS 93ms Accounts 199ms Balances 188ms Beneficiaries 131ms Direct Debits 363ms Payments – AIS 127ms Payments – PIS 176ms Payments – VRP 220ms Products 149ms Standing Orders – AIS 118ms Statements 233ms Transactions 246ms Nationwide Building Society Response times (milliseconds): September 2026 Account Requests – AIS 166ms Account Requests – COF 279ms Accounts 261ms Balances 238ms Beneficiaries 351ms Direct Debits 677ms Payments – AIS 161ms Payments – CoF 252ms Payments – PIS 431ms Payments – VRP 283ms Products 267ms Standing Orders – AIS 261ms Standing Orders – PIS 422ms Statements 649ms Transactions 273ms NWB Response times (milliseconds): September 2026 Account Requests – AIS 154ms Account Requests – COF 421ms Accounts 467ms Balances 480ms Beneficiaries 807ms Direct Debits 280ms Payments – AIS 330ms Payments – CoF 254ms Payments – PIS 360ms Payments – VRP 317ms Products 323ms Standing Orders – AIS 331ms Standing Orders – PIS 312ms Statements 195ms Transactions 394ms RBS Response times (milliseconds): September 2026 Account Requests – AIS 165ms Account Requests – COF 407ms Accounts 414ms Balances 412ms Beneficiaries 815ms Direct Debits 270ms Payments – AIS 316ms Payments – CoF 273ms Payments – PIS 384ms Payments – VRP 324ms Products 285ms Standing Orders – AIS 323ms Standing Orders – PIS 368ms Statements 225ms Transactions 383ms Santander UK plc Response times (milliseconds): September 2026 Account Requests – AIS 25ms Account Requests – COF 132ms Accounts 127ms Balances 74ms Beneficiaries 193ms Direct Debits 143ms Payments – CoF 115ms Payments – PIS 238ms Payments – VRP 150ms Products 79ms Standing Orders – AIS 84ms Standing Orders – PIS 167ms Statements 16ms Transactions 158ms UBN Response times (milliseconds): September 2026 Account Requests – AIS 154ms Account Requests – COF 518ms Accounts 417ms Balances 369ms Beneficiaries 769ms Direct Debits 263ms Payments – AIS 276ms Payments – CoF 295ms Payments – PIS 418ms Payments – VRP 361ms Products 293ms Standing Orders – AIS 276ms Standing Orders – PIS 402ms Statements 199ms Transactions 347ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand September 2026 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Successful API calls Total calls 2,921,765,060 % of overall total calls 99.52 % AIS Total calls 2,296,222,588 % of overall total calls 99.45 % PIS Total calls 169,127,021 % of overall total calls 99.59 % September 2026 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand September 2026 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed API Calls Total calls 14,214,138 % of overall total calls 0.48% Business Total calls 11,918,107 % of overall total calls 0.41% Technical Total calls 2,296,031 % of overall total calls 0.08% 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. September 2026 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed Technical calls Failed Business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2026 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed business calls as % of total calls Volume of failed business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2026 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed technical calls as % of total calls Volume of failed technical calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. Rejected API calls Rejected API calls by brand September 2026 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Rejected API Calls Total calls 3,654,368 % of overall total calls 0.124% 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. September 2026 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
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 September 2026 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API availability 99.49% Core hours (06:00-00:00) 99.67% Non core hours (00:00-06:00) 98.96% 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. September 2026 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 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 September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 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 September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2026 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.58% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.58% Statements 100.00% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.58% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.58% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: September 2026 Account Requests – AIS 97.33% Account Requests – COF 97.33% Accounts 97.33% Balances 97.33% Beneficiaries 97.33% Payments – AIS 97.33% Payments – CoF 97.33% Payments – PIS 97.33% Payments – VRP 97.33% Products 97.33% Standing Orders – AIS 97.33% Standing Orders – PIS 97.33% Statements 97.33% Transactions 97.33% Bank of Scotland Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: September 2026 Account Requests – AIS 99.82% Account Requests – COF 99.87% Accounts 99.82% Balances 99.82% Beneficiaries 99.82% Direct Debits 99.82% Payments – AIS 99.82% Payments – CoF 99.87% Payments – PIS 99.70% Payments – VRP 99.70% Products 99.82% Standing Orders – AIS 99.82% Standing Orders – PIS 99.70% Statements 99.82% Transactions 99.82% Coutts Availability by Endpoint Category: September 2026 Account Requests – AIS 96.67% Account Requests – COF 96.67% Accounts 96.67% Balances 100.00% Beneficiaries 96.67% Direct Debits 96.67% Payments – AIS 96.67% Payments – CoF 96.67% Payments – PIS 96.67% Payments – VRP 99.44% Products 96.67% Standing Orders – AIS 96.67% Standing Orders – PIS 96.67% Transactions 96.67% Danske Bank Availability by Endpoint Category: September 2026 Account Requests – AIS 99.90% Account Requests – COF 100.00% Accounts 99.90% Balances 99.90% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 99.95% Payments – CoF 99.99% Payments – PIS 99.89% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.90% First Direct Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.95% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.85% Halifax Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 99.95% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.68% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.93% HSBC Personal Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.95% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.88% Lloyds Availability by Endpoint Category: September 2026 Account Requests – AIS 99.94% Account Requests – COF 100.00% Accounts 99.93% Balances 99.97% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.95% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.97% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.97% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: September 2026 Account Requests – AIS 99.90% Account Requests – COF 99.99% Accounts 99.90% Balances 99.90% Beneficiaries 99.90% Direct Debits 99.90% Payments – AIS 99.90% Payments – CoF 99.98% Payments – PIS 99.98% Payments – VRP 99.98% Products 99.90% Standing Orders – AIS 99.90% Standing Orders – PIS 99.98% Statements 99.93% Transactions 99.90% RBS Availability by Endpoint Category: September 2026 Account Requests – AIS 99.89% Account Requests – COF 100.00% Accounts 99.89% Balances 99.89% Beneficiaries 99.89% Direct Debits 99.89% Payments – AIS 99.89% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.89% Standing Orders – AIS 99.89% Standing Orders – PIS 100.00% Statements 99.89% Transactions 99.89% Santander UK plc Availability by Endpoint Category: September 2026 Account Requests – AIS 98.83% Account Requests – COF 98.83% Accounts 98.83% Balances 98.83% Beneficiaries 98.83% Direct Debits 98.83% Payments – CoF 98.83% Payments – PIS 98.83% Payments – VRP 98.83% Products 98.83% Standing Orders – AIS 98.83% Standing Orders – PIS 98.83% Statements 98.83% Transactions 98.83% UBN Availability by Endpoint Category: September 2026 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.92% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.92% Payments – AIS 99.92% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.92% Standing Orders – AIS 99.92% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.92%
September 2026 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API availability 99.49% Core hours (06:00-00:00) 99.67% Non core hours (00:00-06:00) 98.96% 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.
September 2026 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
September 2026 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 September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
September 2026 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 September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
September 2026 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
September 2026 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
September 2026 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.58% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.58% Statements 100.00% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.58% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.58% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: September 2026 Account Requests – AIS 97.33% Account Requests – COF 97.33% Accounts 97.33% Balances 97.33% Beneficiaries 97.33% Payments – AIS 97.33% Payments – CoF 97.33% Payments – PIS 97.33% Payments – VRP 97.33% Products 97.33% Standing Orders – AIS 97.33% Standing Orders – PIS 97.33% Statements 97.33% Transactions 97.33% Bank of Scotland Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: September 2026 Account Requests – AIS 99.82% Account Requests – COF 99.87% Accounts 99.82% Balances 99.82% Beneficiaries 99.82% Direct Debits 99.82% Payments – AIS 99.82% Payments – CoF 99.87% Payments – PIS 99.70% Payments – VRP 99.70% Products 99.82% Standing Orders – AIS 99.82% Standing Orders – PIS 99.70% Statements 99.82% Transactions 99.82% Coutts Availability by Endpoint Category: September 2026 Account Requests – AIS 96.67% Account Requests – COF 96.67% Accounts 96.67% Balances 100.00% Beneficiaries 96.67% Direct Debits 96.67% Payments – AIS 96.67% Payments – CoF 96.67% Payments – PIS 96.67% Payments – VRP 99.44% Products 96.67% Standing Orders – AIS 96.67% Standing Orders – PIS 96.67% Transactions 96.67% Danske Bank Availability by Endpoint Category: September 2026 Account Requests – AIS 99.90% Account Requests – COF 100.00% Accounts 99.90% Balances 99.90% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 99.95% Payments – CoF 99.99% Payments – PIS 99.89% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.90% First Direct Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.95% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.85% Halifax Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 99.95% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.68% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.93% HSBC Personal Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.95% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.88% Lloyds Availability by Endpoint Category: September 2026 Account Requests – AIS 99.94% Account Requests – COF 100.00% Accounts 99.93% Balances 99.97% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.95% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.97% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.97% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: September 2026 Account Requests – AIS 99.90% Account Requests – COF 99.99% Accounts 99.90% Balances 99.90% Beneficiaries 99.90% Direct Debits 99.90% Payments – AIS 99.90% Payments – CoF 99.98% Payments – PIS 99.98% Payments – VRP 99.98% Products 99.90% Standing Orders – AIS 99.90% Standing Orders – PIS 99.98% Statements 99.93% Transactions 99.90% RBS Availability by Endpoint Category: September 2026 Account Requests – AIS 99.89% Account Requests – COF 100.00% Accounts 99.89% Balances 99.89% Beneficiaries 99.89% Direct Debits 99.89% Payments – AIS 99.89% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.89% Standing Orders – AIS 99.89% Standing Orders – PIS 100.00% Statements 99.89% Transactions 99.89% Santander UK plc Availability by Endpoint Category: September 2026 Account Requests – AIS 98.83% Account Requests – COF 98.83% Accounts 98.83% Balances 98.83% Beneficiaries 98.83% Direct Debits 98.83% Payments – CoF 98.83% Payments – PIS 98.83% Payments – VRP 98.83% Products 98.83% Standing Orders – AIS 98.83% Standing Orders – PIS 98.83% Statements 98.83% Transactions 98.83% UBN Availability by Endpoint Category: September 2026 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.92% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.92% Payments – AIS 99.92% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.92% Standing Orders – AIS 99.92% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.92%
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 September 2026 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average weighted API availability 99.79 % Core hours (06:00-00:00) 99.79 % Non core hours (00:00-06:00) 99.86 % September 2026 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.97% Payments – VRP 98.04% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.84% Statements 100.00% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.89% Payments – VRP 98.61% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.83% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: September 2026 Account Requests – AIS 99.32% Account Requests – COF 85.41% Accounts 99.31% Balances 99.28% Beneficiaries 85.13% Payments – AIS 90.94% Payments – CoF 99.63% Payments – PIS 99.41% Payments – VRP 98.80% Products 98.79% Standing Orders – AIS 95.40% Standing Orders – PIS 99.18% Statements 90.20% Transactions 99.28% Bank of Scotland Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: September 2026 Account Requests – AIS 99.90% Account Requests – COF 99.84% Accounts 99.91% Balances 99.91% Beneficiaries 99.92% Direct Debits 99.91% Payments – AIS 99.91% Payments – CoF 99.82% Payments – PIS 99.75% Payments – VRP 99.70% Products 99.89% Standing Orders – AIS 99.91% Standing Orders – PIS 99.72% Statements 99.94% Transactions 99.91% Coutts Availability by Endpoint Category: September 2026 Account Requests – AIS 99.15% Account Requests – COF 96.50% Accounts 99.90% Balances 100.00% Beneficiaries 97.44% Direct Debits 97.37% Payments – AIS 97.37% Payments – CoF 97.62% Payments – PIS 97.62% Payments – VRP 99.17% Products 97.60% Standing Orders – AIS 97.27% Standing Orders – PIS 87.26% Transactions 97.33% Danske Bank Availability by Endpoint Category: September 2026 Account Requests – AIS 99.89% Account Requests – COF 100.00% Accounts 99.89% Balances 99.89% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 99.98% Payments – CoF 99.99% Payments – PIS 99.92% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.89% First Direct Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.96% Halifax Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 99.97% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.80% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.96% HSBC Personal Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.97% Lloyds Availability by Endpoint Category: September 2026 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.97% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% MBNA Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – PIS 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.97% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.99% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: September 2026 Account Requests – AIS 99.91% Account Requests – COF 100.00% Accounts 99.91% Balances 99.91% Beneficiaries 99.90% Direct Debits 99.91% Payments – AIS 99.90% Payments – CoF 99.99% Payments – PIS 99.99% Payments – VRP 99.99% Products 99.91% Standing Orders – AIS 99.91% Standing Orders – PIS 99.99% Statements 99.97% Transactions 99.91% RBS Availability by Endpoint Category: September 2026 Account Requests – AIS 99.89% Account Requests – COF 100.00% Accounts 99.89% Balances 99.90% Beneficiaries 99.88% Direct Debits 99.89% Payments – AIS 99.86% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.91% Standing Orders – AIS 99.89% Standing Orders – PIS 100.00% Statements 99.96% Transactions 99.90% Santander UK plc Availability by Endpoint Category: September 2026 Account Requests – AIS 98.49% Account Requests – COF 98.33% Accounts 98.44% Balances 98.54% Beneficiaries 98.90% Direct Debits 98.93% Payments – CoF 98.07% Payments – PIS 97.92% Payments – VRP 97.66% Products 98.95% Standing Orders – AIS 98.83% Standing Orders – PIS 98.70% Statements 99.46% Transactions 98.58% UBN Availability by Endpoint Category: September 2026 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.92% Balances 99.93% Beneficiaries 99.90% Direct Debits 99.93% Payments – AIS 99.91% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.94% Standing Orders – AIS 99.93% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.92%
September 2026 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average weighted API availability 99.79 % Core hours (06:00-00:00) 99.79 % Non core hours (00:00-06:00) 99.86 %
September 2026 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2026 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2026 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2026 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2026 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2026 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.97% Payments – VRP 98.04% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.84% Statements 100.00% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.89% Payments – VRP 98.61% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.83% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: September 2026 Account Requests – AIS 99.32% Account Requests – COF 85.41% Accounts 99.31% Balances 99.28% Beneficiaries 85.13% Payments – AIS 90.94% Payments – CoF 99.63% Payments – PIS 99.41% Payments – VRP 98.80% Products 98.79% Standing Orders – AIS 95.40% Standing Orders – PIS 99.18% Statements 90.20% Transactions 99.28% Bank of Scotland Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: September 2026 Account Requests – AIS 99.90% Account Requests – COF 99.84% Accounts 99.91% Balances 99.91% Beneficiaries 99.92% Direct Debits 99.91% Payments – AIS 99.91% Payments – CoF 99.82% Payments – PIS 99.75% Payments – VRP 99.70% Products 99.89% Standing Orders – AIS 99.91% Standing Orders – PIS 99.72% Statements 99.94% Transactions 99.91% Coutts Availability by Endpoint Category: September 2026 Account Requests – AIS 99.15% Account Requests – COF 96.50% Accounts 99.90% Balances 100.00% Beneficiaries 97.44% Direct Debits 97.37% Payments – AIS 97.37% Payments – CoF 97.62% Payments – PIS 97.62% Payments – VRP 99.17% Products 97.60% Standing Orders – AIS 97.27% Standing Orders – PIS 87.26% Transactions 97.33% Danske Bank Availability by Endpoint Category: September 2026 Account Requests – AIS 99.89% Account Requests – COF 100.00% Accounts 99.89% Balances 99.89% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 99.98% Payments – CoF 99.99% Payments – PIS 99.92% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.89% First Direct Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.96% Halifax Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 99.97% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.80% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.96% HSBC Personal Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.97% Lloyds Availability by Endpoint Category: September 2026 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.97% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% MBNA Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – PIS 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: September 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.97% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.99% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: September 2026 Account Requests – AIS 99.91% Account Requests – COF 100.00% Accounts 99.91% Balances 99.91% Beneficiaries 99.90% Direct Debits 99.91% Payments – AIS 99.90% Payments – CoF 99.99% Payments – PIS 99.99% Payments – VRP 99.99% Products 99.91% Standing Orders – AIS 99.91% Standing Orders – PIS 99.99% Statements 99.97% Transactions 99.91% RBS Availability by Endpoint Category: September 2026 Account Requests – AIS 99.89% Account Requests – COF 100.00% Accounts 99.89% Balances 99.90% Beneficiaries 99.88% Direct Debits 99.89% Payments – AIS 99.86% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.91% Standing Orders – AIS 99.89% Standing Orders – PIS 100.00% Statements 99.96% Transactions 99.90% Santander UK plc Availability by Endpoint Category: September 2026 Account Requests – AIS 98.49% Account Requests – COF 98.33% Accounts 98.44% Balances 98.54% Beneficiaries 98.90% Direct Debits 98.93% Payments – CoF 98.07% Payments – PIS 97.92% Payments – VRP 97.66% Products 98.95% Standing Orders – AIS 98.83% Standing Orders – PIS 98.70% Statements 99.46% Transactions 98.58% UBN Availability by Endpoint Category: September 2026 Account Requests – AIS 99.92% Account Requests – COF 100.00% Accounts 99.92% Balances 99.93% Beneficiaries 99.90% Direct Debits 99.93% Payments – AIS 99.91% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.94% Standing Orders – AIS 99.93% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.92%
Average API response times Average API response times by brand Response times by brand September 2026 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API Response Time 327 milliseconds September 2026 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): September 2026 Account Requests – AIS 181ms Accounts 140ms Balances 114ms Beneficiaries 1,115ms Direct Debits 559ms Payments – AIS 93ms Payments – CoF 168ms Payments – PIS 191ms Payments – VRP 1,831ms Products 332ms Standing Orders – AIS 145ms Standing Orders – PIS 153ms Statements 85ms Transactions 127ms AIB Group (UK) p.l.c. Response times (milliseconds): September 2026 Account Requests – AIS 118ms Accounts 77ms Balances 52ms Payments – AIS 28ms Payments – CoF 107ms Payments – PIS 80ms Payments – VRP 2,238ms Products 256ms Standing Orders – AIS 80ms Standing Orders – PIS 98ms Transactions 61ms Bank of Ireland UK Response times (milliseconds): September 2026 Account Requests – AIS 179ms Account Requests – COF 618ms Accounts 288ms Balances 296ms Beneficiaries 1,029ms Payments – AIS 680ms Payments – CoF 479ms Payments – PIS 864ms Payments – VRP 887ms Products 410ms Standing Orders – AIS 1,026ms Standing Orders – PIS 806ms Statements 918ms Transactions 314ms Bank of Scotland Response times (milliseconds): September 2026 Account Requests – AIS 205ms Account Requests – COF 235ms Accounts 200ms Balances 146ms Beneficiaries 232ms Direct Debits 219ms Payments – AIS 207ms Payments – CoF 219ms Payments – PIS 400ms Payments – VRP 396ms Products 432ms Standing Orders – AIS 197ms Standing Orders – PIS 422ms Statements 334ms Transactions 236ms Barclays Response times (milliseconds): September 2026 Account Requests – AIS 115ms Account Requests – COF 186ms Accounts 180ms Balances 162ms Beneficiaries 228ms Direct Debits 178ms Payments – AIS 218ms Payments – CoF 267ms Payments – PIS 179ms Payments – VRP 264ms Products 347ms Standing Orders – AIS 192ms Standing Orders – PIS 157ms Statements 130ms Transactions 213ms Coutts Response times (milliseconds): September 2026 Account Requests – AIS 579ms Account Requests – COF 549ms Accounts 247ms Balances 198ms Beneficiaries 394ms Direct Debits 235ms Payments – AIS 624ms Payments – CoF 337ms Payments – PIS 566ms Payments – VRP 998ms Products 248ms Standing Orders – AIS 337ms Standing Orders – PIS 1,001ms Transactions 392ms Danske Bank Response times (milliseconds): September 2026 Account Requests – AIS 88ms Account Requests – COF 302ms Accounts 596ms Balances 237ms Beneficiaries 235ms Direct Debits 388ms Payments – AIS 246ms Payments – CoF 161ms Payments – PIS 174ms Payments – VRP 287ms Products 163ms Standing Orders – AIS 339ms Standing Orders – PIS 194ms Transactions 596ms First Direct Response times (milliseconds): September 2026 Account Requests – AIS 188ms Account Requests – COF 394ms Accounts 433ms Balances 391ms Beneficiaries 577ms Direct Debits 531ms Payments – AIS 704ms Payments – CoF 262ms Payments – PIS 374ms Payments – VRP 394ms Products 618ms Standing Orders – AIS 552ms Standing Orders – PIS 268ms Statements 160ms Transactions 531ms Halifax Response times (milliseconds): September 2026 Account Requests – AIS 212ms Account Requests – COF 236ms Accounts 201ms Balances 148ms Beneficiaries 230ms Direct Debits 219ms Payments – AIS 204ms Payments – CoF 219ms Payments – PIS 399ms Payments – VRP 396ms Products 430ms Standing Orders – AIS 197ms Standing Orders – PIS 504ms Statements 360ms Transactions 255ms HSBC Business Response times (milliseconds): September 2026 Account Requests – AIS 228ms Account Requests – COF 354ms Accounts 372ms Balances 360ms Beneficiaries 311ms Direct Debits 669ms Payments – AIS 264ms Payments – CoF 298ms Payments – PIS 518ms Payments – VRP 527ms Products 819ms Standing Orders – AIS 351ms Standing Orders – PIS 562ms Statements 6,409ms Transactions 468ms HSBC Personal Response times (milliseconds): September 2026 Account Requests – AIS 183ms Account Requests – COF 358ms Accounts 432ms Balances 391ms Beneficiaries 451ms Direct Debits 511ms Payments – AIS 763ms Payments – CoF 257ms Payments – PIS 363ms Payments – VRP 357ms Products 630ms Standing Orders – AIS 662ms Standing Orders – PIS 262ms Statements 309ms Transactions 545ms Lloyds Response times (milliseconds): September 2026 Account Requests – AIS 215ms Account Requests – COF 224ms Accounts 198ms Balances 146ms Beneficiaries 228ms Direct Debits 218ms Payments – AIS 211ms Payments – CoF 218ms Payments – PIS 392ms Payments – VRP 392ms Products 430ms Standing Orders – AIS 197ms Standing Orders – PIS 487ms Statements 360ms Transactions 251ms MBNA Response times (milliseconds): September 2026 Account Requests – AIS 216ms Accounts 132ms Balances 251ms Beneficiaries 223ms Direct Debits 228ms Payments – PIS 215ms Products 155ms Standing Orders – AIS 159ms Statements 498ms Transactions 481ms Mettle Response times (milliseconds): September 2026 Account Requests – AIS 93ms Accounts 199ms Balances 188ms Beneficiaries 131ms Direct Debits 363ms Payments – AIS 127ms Payments – PIS 176ms Payments – VRP 220ms Products 149ms Standing Orders – AIS 118ms Statements 233ms Transactions 246ms Nationwide Building Society Response times (milliseconds): September 2026 Account Requests – AIS 166ms Account Requests – COF 279ms Accounts 261ms Balances 238ms Beneficiaries 351ms Direct Debits 677ms Payments – AIS 161ms Payments – CoF 252ms Payments – PIS 431ms Payments – VRP 283ms Products 267ms Standing Orders – AIS 261ms Standing Orders – PIS 422ms Statements 649ms Transactions 273ms NWB Response times (milliseconds): September 2026 Account Requests – AIS 154ms Account Requests – COF 421ms Accounts 467ms Balances 480ms Beneficiaries 807ms Direct Debits 280ms Payments – AIS 330ms Payments – CoF 254ms Payments – PIS 360ms Payments – VRP 317ms Products 323ms Standing Orders – AIS 331ms Standing Orders – PIS 312ms Statements 195ms Transactions 394ms RBS Response times (milliseconds): September 2026 Account Requests – AIS 165ms Account Requests – COF 407ms Accounts 414ms Balances 412ms Beneficiaries 815ms Direct Debits 270ms Payments – AIS 316ms Payments – CoF 273ms Payments – PIS 384ms Payments – VRP 324ms Products 285ms Standing Orders – AIS 323ms Standing Orders – PIS 368ms Statements 225ms Transactions 383ms Santander UK plc Response times (milliseconds): September 2026 Account Requests – AIS 25ms Account Requests – COF 132ms Accounts 127ms Balances 74ms Beneficiaries 193ms Direct Debits 143ms Payments – CoF 115ms Payments – PIS 238ms Payments – VRP 150ms Products 79ms Standing Orders – AIS 84ms Standing Orders – PIS 167ms Statements 16ms Transactions 158ms UBN Response times (milliseconds): September 2026 Account Requests – AIS 154ms Account Requests – COF 518ms Accounts 417ms Balances 369ms Beneficiaries 769ms Direct Debits 263ms Payments – AIS 276ms Payments – CoF 295ms Payments – PIS 418ms Payments – VRP 361ms Products 293ms Standing Orders – AIS 276ms Standing Orders – PIS 402ms Statements 199ms Transactions 347ms
September 2026 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API Response Time 327 milliseconds
September 2026 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2026 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): September 2026 Account Requests – AIS 181ms Accounts 140ms Balances 114ms Beneficiaries 1,115ms Direct Debits 559ms Payments – AIS 93ms Payments – CoF 168ms Payments – PIS 191ms Payments – VRP 1,831ms Products 332ms Standing Orders – AIS 145ms Standing Orders – PIS 153ms Statements 85ms Transactions 127ms AIB Group (UK) p.l.c. Response times (milliseconds): September 2026 Account Requests – AIS 118ms Accounts 77ms Balances 52ms Payments – AIS 28ms Payments – CoF 107ms Payments – PIS 80ms Payments – VRP 2,238ms Products 256ms Standing Orders – AIS 80ms Standing Orders – PIS 98ms Transactions 61ms Bank of Ireland UK Response times (milliseconds): September 2026 Account Requests – AIS 179ms Account Requests – COF 618ms Accounts 288ms Balances 296ms Beneficiaries 1,029ms Payments – AIS 680ms Payments – CoF 479ms Payments – PIS 864ms Payments – VRP 887ms Products 410ms Standing Orders – AIS 1,026ms Standing Orders – PIS 806ms Statements 918ms Transactions 314ms Bank of Scotland Response times (milliseconds): September 2026 Account Requests – AIS 205ms Account Requests – COF 235ms Accounts 200ms Balances 146ms Beneficiaries 232ms Direct Debits 219ms Payments – AIS 207ms Payments – CoF 219ms Payments – PIS 400ms Payments – VRP 396ms Products 432ms Standing Orders – AIS 197ms Standing Orders – PIS 422ms Statements 334ms Transactions 236ms Barclays Response times (milliseconds): September 2026 Account Requests – AIS 115ms Account Requests – COF 186ms Accounts 180ms Balances 162ms Beneficiaries 228ms Direct Debits 178ms Payments – AIS 218ms Payments – CoF 267ms Payments – PIS 179ms Payments – VRP 264ms Products 347ms Standing Orders – AIS 192ms Standing Orders – PIS 157ms Statements 130ms Transactions 213ms Coutts Response times (milliseconds): September 2026 Account Requests – AIS 579ms Account Requests – COF 549ms Accounts 247ms Balances 198ms Beneficiaries 394ms Direct Debits 235ms Payments – AIS 624ms Payments – CoF 337ms Payments – PIS 566ms Payments – VRP 998ms Products 248ms Standing Orders – AIS 337ms Standing Orders – PIS 1,001ms Transactions 392ms Danske Bank Response times (milliseconds): September 2026 Account Requests – AIS 88ms Account Requests – COF 302ms Accounts 596ms Balances 237ms Beneficiaries 235ms Direct Debits 388ms Payments – AIS 246ms Payments – CoF 161ms Payments – PIS 174ms Payments – VRP 287ms Products 163ms Standing Orders – AIS 339ms Standing Orders – PIS 194ms Transactions 596ms First Direct Response times (milliseconds): September 2026 Account Requests – AIS 188ms Account Requests – COF 394ms Accounts 433ms Balances 391ms Beneficiaries 577ms Direct Debits 531ms Payments – AIS 704ms Payments – CoF 262ms Payments – PIS 374ms Payments – VRP 394ms Products 618ms Standing Orders – AIS 552ms Standing Orders – PIS 268ms Statements 160ms Transactions 531ms Halifax Response times (milliseconds): September 2026 Account Requests – AIS 212ms Account Requests – COF 236ms Accounts 201ms Balances 148ms Beneficiaries 230ms Direct Debits 219ms Payments – AIS 204ms Payments – CoF 219ms Payments – PIS 399ms Payments – VRP 396ms Products 430ms Standing Orders – AIS 197ms Standing Orders – PIS 504ms Statements 360ms Transactions 255ms HSBC Business Response times (milliseconds): September 2026 Account Requests – AIS 228ms Account Requests – COF 354ms Accounts 372ms Balances 360ms Beneficiaries 311ms Direct Debits 669ms Payments – AIS 264ms Payments – CoF 298ms Payments – PIS 518ms Payments – VRP 527ms Products 819ms Standing Orders – AIS 351ms Standing Orders – PIS 562ms Statements 6,409ms Transactions 468ms HSBC Personal Response times (milliseconds): September 2026 Account Requests – AIS 183ms Account Requests – COF 358ms Accounts 432ms Balances 391ms Beneficiaries 451ms Direct Debits 511ms Payments – AIS 763ms Payments – CoF 257ms Payments – PIS 363ms Payments – VRP 357ms Products 630ms Standing Orders – AIS 662ms Standing Orders – PIS 262ms Statements 309ms Transactions 545ms Lloyds Response times (milliseconds): September 2026 Account Requests – AIS 215ms Account Requests – COF 224ms Accounts 198ms Balances 146ms Beneficiaries 228ms Direct Debits 218ms Payments – AIS 211ms Payments – CoF 218ms Payments – PIS 392ms Payments – VRP 392ms Products 430ms Standing Orders – AIS 197ms Standing Orders – PIS 487ms Statements 360ms Transactions 251ms MBNA Response times (milliseconds): September 2026 Account Requests – AIS 216ms Accounts 132ms Balances 251ms Beneficiaries 223ms Direct Debits 228ms Payments – PIS 215ms Products 155ms Standing Orders – AIS 159ms Statements 498ms Transactions 481ms Mettle Response times (milliseconds): September 2026 Account Requests – AIS 93ms Accounts 199ms Balances 188ms Beneficiaries 131ms Direct Debits 363ms Payments – AIS 127ms Payments – PIS 176ms Payments – VRP 220ms Products 149ms Standing Orders – AIS 118ms Statements 233ms Transactions 246ms Nationwide Building Society Response times (milliseconds): September 2026 Account Requests – AIS 166ms Account Requests – COF 279ms Accounts 261ms Balances 238ms Beneficiaries 351ms Direct Debits 677ms Payments – AIS 161ms Payments – CoF 252ms Payments – PIS 431ms Payments – VRP 283ms Products 267ms Standing Orders – AIS 261ms Standing Orders – PIS 422ms Statements 649ms Transactions 273ms NWB Response times (milliseconds): September 2026 Account Requests – AIS 154ms Account Requests – COF 421ms Accounts 467ms Balances 480ms Beneficiaries 807ms Direct Debits 280ms Payments – AIS 330ms Payments – CoF 254ms Payments – PIS 360ms Payments – VRP 317ms Products 323ms Standing Orders – AIS 331ms Standing Orders – PIS 312ms Statements 195ms Transactions 394ms RBS Response times (milliseconds): September 2026 Account Requests – AIS 165ms Account Requests – COF 407ms Accounts 414ms Balances 412ms Beneficiaries 815ms Direct Debits 270ms Payments – AIS 316ms Payments – CoF 273ms Payments – PIS 384ms Payments – VRP 324ms Products 285ms Standing Orders – AIS 323ms Standing Orders – PIS 368ms Statements 225ms Transactions 383ms Santander UK plc Response times (milliseconds): September 2026 Account Requests – AIS 25ms Account Requests – COF 132ms Accounts 127ms Balances 74ms Beneficiaries 193ms Direct Debits 143ms Payments – CoF 115ms Payments – PIS 238ms Payments – VRP 150ms Products 79ms Standing Orders – AIS 84ms Standing Orders – PIS 167ms Statements 16ms Transactions 158ms UBN Response times (milliseconds): September 2026 Account Requests – AIS 154ms Account Requests – COF 518ms Accounts 417ms Balances 369ms Beneficiaries 769ms Direct Debits 263ms Payments – AIS 276ms Payments – CoF 295ms Payments – PIS 418ms Payments – VRP 361ms Products 293ms Standing Orders – AIS 276ms Standing Orders – PIS 402ms Statements 199ms Transactions 347ms
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand September 2026 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Successful API calls Total calls 2,921,765,060 % of overall total calls 99.52 % AIS Total calls 2,296,222,588 % of overall total calls 99.45 % PIS Total calls 169,127,021 % of overall total calls 99.59 % September 2026 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2026 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2026 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Successful API calls Total calls 2,921,765,060 % of overall total calls 99.52 % AIS Total calls 2,296,222,588 % of overall total calls 99.45 % PIS Total calls 169,127,021 % of overall total calls 99.59 %
September 2026 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2026 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2026 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2026 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand September 2026 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed API Calls Total calls 14,214,138 % of overall total calls 0.48% Business Total calls 11,918,107 % of overall total calls 0.41% Technical Total calls 2,296,031 % of overall total calls 0.08% 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. September 2026 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed Technical calls Failed Business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2026 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed business calls as % of total calls Volume of failed business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2026 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed technical calls as % of total calls Volume of failed technical calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
September 2026 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed API Calls Total calls 14,214,138 % of overall total calls 0.48% Business Total calls 11,918,107 % of overall total calls 0.41% Technical Total calls 2,296,031 % of overall total calls 0.08% 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.
September 2026 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed Technical calls Failed Business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
September 2026 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed business calls as % of total calls Volume of failed business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
September 2026 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed technical calls as % of total calls Volume of failed technical calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
Rejected API calls Rejected API calls by brand September 2026 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Rejected API Calls Total calls 3,654,368 % of overall total calls 0.124% 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. September 2026 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
September 2026 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Rejected API Calls Total calls 3,654,368 % of overall total calls 0.124% 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.
September 2026 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.