API Performance StatsSelect a month:December 2025November 2025October 2025September 2025August 2025July 2025June 2025May 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 2022July 2022June 2022May 2022Download historical data (last 12 months):Download dataHistoric Data Download- csv (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 API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. 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 November 2022 there have been 9 Providers and 20 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 November 2022 there have been 9 Providers and 20 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 payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. 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 November 2022 there have been 9 Providers and 20 brands providing data. Download chart Open Banking Users All Users AIS users PIS users All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. Download chart AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart December key performance metrics 99.85% Average API availability – unweighted 324ms Average API response time 99.45% Successful API calls (%) 99.90% Average API availability – weighted 2144.4m Successful API calls (actual) 0.55% 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 December 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Average API availability 99.85% Core hours (06:00-00:00) 99.90% Non core hours (00:00-06:00) 99.69% 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. December 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 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 Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 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% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 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% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 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% Bank of Scotland Availability by Endpoint Category: December 2025 Account Requests – AIS 99.58% Account Requests – COF 99.62% Accounts 99.58% Balances 99.60% Beneficiaries 99.62% Direct Debits 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.61% Payments – VRP 99.62% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.60% Barclays Availability by Endpoint Category: December 2025 Account Requests – AIS 99.95% Account Requests – COF 99.95% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.95% Payments – PIS 99.95% Payments – VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.95% Statements 99.95% Transactions 99.95% Coutts Availability by Endpoint Category: December 2025 Account Requests – AIS 99.46% Account Requests – COF 100.00% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.46% Payments – PIS 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Transactions 99.46% Danske Bank Availability by Endpoint Category: December 2025 Account Requests – AIS 99.60% Account Requests – COF 100.00% Accounts 99.60% Balances 99.60% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.60% Payments – PIS 99.60% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.60% First Direct Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% Halifax Availability by Endpoint Category: December 2025 Account Requests – AIS 99.58% Account Requests – COF 99.62% Accounts 99.59% Balances 99.60% Beneficiaries 99.62% Direct Debits 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.59% Payments – VRP 99.61% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.60% HSBC Business Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.97% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.96% Lloyds Availability by Endpoint Category: December 2025 Account Requests – AIS 99.57% Account Requests – COF 99.62% Accounts 99.59% Balances 99.60% Beneficiaries 99.62% Direct Debits 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.59% Payments – VRP 99.61% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.60% MBNA Availability by Endpoint Category: December 2025 Account Requests – AIS 99.60% Account Requests – COF 100.00% Accounts 99.61% Balances 99.61% Beneficiaries 99.62% Direct Debits 99.81% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.62% Payments – VRP 100.00% Products 99.62% Standing Orders – AIS 99.81% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.62% Mettle Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 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: December 2025 Account Requests – AIS 99.93% Account Requests – COF 99.93% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 99.92% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.91% Payments – VRP 99.85% Products 100.00% Standing Orders – AIS 99.92% Standing Orders – PIS 99.93% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% 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 December 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Average weighted API availability 99.90% Core hours (06:00-00:00) 99.91% Non core hours (00:00-06:00) 99.81% December 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 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 Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 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% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 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% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 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% Bank of Scotland Availability by Endpoint Category: December 2025 Account Requests – AIS 99.67% Account Requests – COF 99.74% Accounts 99.71% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.66% Payments – AIS 99.74% Payments – CoF 99.70% Payments – PIS 99.70% Payments – VRP 99.60% Products 99.64% Standing Orders – AIS 99.66% Standing Orders – PIS 99.76% Statements 99.23% Transactions 99.71% Barclays Availability by Endpoint Category: December 2025 Account Requests – AIS 99.94% Account Requests – COF 99.94% Accounts 99.95% Balances 99.95% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – CoF 99.94% Payments – PIS 99.94% Payments – VRP 99.93% Products 99.95% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Statements 99.92% Transactions 99.95% Coutts Availability by Endpoint Category: December 2025 Account Requests – AIS 99.72% Account Requests – COF 100.00% Accounts 99.75% Balances 99.72% Beneficiaries 99.84% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.98% Payments – PIS 99.87% Products 99.78% Standing Orders – AIS 99.83% Standing Orders – PIS 99.79% Transactions 99.77% Danske Bank Availability by Endpoint Category: December 2025 Account Requests – AIS 99.68% Account Requests – COF 100.00% Accounts 99.75% Balances 99.76% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.69% Payments – PIS 99.74% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.77% First Direct Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% 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 99.99% Halifax Availability by Endpoint Category: December 2025 Account Requests – AIS 99.69% Account Requests – COF 99.74% Accounts 99.73% Balances 99.72% Beneficiaries 99.69% Direct Debits 99.65% Payments – AIS 99.59% Payments – CoF 99.70% Payments – PIS 99.68% Payments – VRP 99.59% Products 99.65% Standing Orders – AIS 99.66% Standing Orders – PIS 99.79% Statements 99.37% Transactions 99.73% HSBC Business Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% 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 99.98% Lloyds Availability by Endpoint Category: December 2025 Account Requests – AIS 99.69% Account Requests – COF 99.75% Accounts 99.73% Balances 99.72% Beneficiaries 99.69% Direct Debits 99.65% Payments – AIS 99.41% Payments – CoF 99.68% Payments – PIS 99.68% Payments – VRP 99.61% Products 99.64% Standing Orders – AIS 99.65% Standing Orders – PIS 99.75% Statements 99.48% Transactions 99.73% MBNA Availability by Endpoint Category: December 2025 Account Requests – AIS 99.68% Accounts 99.70% Balances 99.68% Beneficiaries 99.76% Direct Debits 100.00% Payments – PIS 99.72% Products 99.65% Standing Orders – AIS 100.00% Statements 100.00% Transactions 99.71% Mettle Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 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: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 99.90% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.96% Payments – VRP 99.99% Products 100.00% Standing Orders – AIS 99.92% Standing Orders – PIS 99.96% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – 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% UBN Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Average API response times Average API response times by brand Response times by brand December 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Average API Response Time 324 milliseconds December 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 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 Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): December 2025 Account Requests – AIS 213ms Accounts 152ms Balances 119ms Direct Debits 1,494ms Payments – CoF 170ms Payments – PIS 156ms Payments – VRP 152ms Products 619ms Standing Orders – AIS 288ms Standing Orders – PIS 162ms Transactions 131ms AIB Group (UK) p.l.c. Response times (milliseconds): December 2025 Account Requests – AIS 120ms Accounts 58ms Balances 39ms Payments – AIS 10ms Payments – CoF 93ms Payments – PIS 68ms Payments – VRP 235ms Products 518ms Standing Orders – AIS 192ms Standing Orders – PIS 69ms Transactions 48ms Bank of Ireland UK Response times (milliseconds): December 2025 Account Requests – AIS 169ms Account Requests – COF 301ms Accounts 297ms Balances 296ms Beneficiaries 720ms Payments – AIS 482ms Payments – CoF 514ms Payments – PIS 725ms Payments – VRP 1,276ms Products 688ms Standing Orders – AIS 524ms Standing Orders – PIS 485ms Statements 568ms Transactions 331ms Bank of Scotland Response times (milliseconds): December 2025 Account Requests – AIS 198ms Account Requests – COF 284ms Accounts 125ms Balances 141ms Beneficiaries 227ms Direct Debits 215ms Payments – AIS 229ms Payments – CoF 211ms Payments – PIS 368ms Payments – VRP 330ms Products 409ms Standing Orders – AIS 193ms Standing Orders – PIS 447ms Statements 349ms Transactions 232ms Barclays Response times (milliseconds): December 2025 Account Requests – AIS 141ms Account Requests – COF 199ms Accounts 211ms Balances 209ms Beneficiaries 260ms Direct Debits 214ms Payments – AIS 248ms Payments – CoF 272ms Payments – PIS 181ms Payments – VRP 260ms Products 344ms Standing Orders – AIS 219ms Standing Orders – PIS 160ms Statements 136ms Transactions 260ms Coutts Response times (milliseconds): December 2025 Account Requests – AIS 1,010ms Account Requests – COF 941ms Accounts 247ms Balances 267ms Beneficiaries 1,640ms Direct Debits 902ms Payments – AIS 232ms Payments – CoF 361ms Payments – PIS 732ms Products 252ms Standing Orders – AIS 237ms Standing Orders – PIS 727ms Transactions 348ms Danske Bank Response times (milliseconds): December 2025 Account Requests – AIS 68ms Account Requests – COF 683ms Accounts 747ms Balances 222ms Beneficiaries 254ms Direct Debits 421ms Payments – AIS 374ms Payments – CoF 144ms Payments – PIS 123ms Payments – VRP 284ms Products 172ms Standing Orders – AIS 361ms Standing Orders – PIS 117ms Transactions 683ms First Direct Response times (milliseconds): December 2025 Account Requests – AIS 149ms Account Requests – COF 318ms Accounts 326ms Balances 352ms Beneficiaries 516ms Direct Debits 548ms Payments – AIS 765ms Payments – CoF 447ms Payments – PIS 302ms Payments – VRP 349ms Products 636ms Standing Orders – AIS 521ms Standing Orders – PIS 310ms Statements 281ms Transactions 525ms Halifax Response times (milliseconds): December 2025 Account Requests – AIS 208ms Account Requests – COF 258ms Accounts 125ms Balances 142ms Beneficiaries 224ms Direct Debits 214ms Payments – AIS 215ms Payments – CoF 210ms Payments – PIS 365ms Payments – VRP 328ms Products 409ms Standing Orders – AIS 193ms Standing Orders – PIS 498ms Statements 355ms Transactions 241ms HSBC Business Response times (milliseconds): December 2025 Account Requests – AIS 189ms Account Requests – COF 302ms Accounts 327ms Balances 317ms Beneficiaries 255ms Direct Debits 487ms Payments – AIS 153ms Payments – CoF 481ms Payments – PIS 466ms Payments – VRP 477ms Products 699ms Standing Orders – AIS 236ms Standing Orders – PIS 413ms Statements 772ms Transactions 400ms HSBC Kinetic Response times (milliseconds): December 2025 Account Requests – AIS 155ms Account Requests – COF 281ms Accounts 404ms Balances 398ms Beneficiaries 655ms Direct Debits 1,171ms Payments – AIS 1,230ms Payments – CoF 601ms Payments – PIS 331ms Payments – VRP 450ms Products 1,067ms Standing Orders – AIS 1,222ms Standing Orders – PIS 250ms Statements 3,150ms Transactions 606ms HSBC Personal Response times (milliseconds): December 2025 Account Requests – AIS 168ms Account Requests – COF 307ms Accounts 365ms Balances 380ms Beneficiaries 651ms Direct Debits 578ms Payments – AIS 867ms Payments – CoF 472ms Payments – PIS 299ms Payments – VRP 348ms Products 654ms Standing Orders – AIS 586ms Standing Orders – PIS 300ms Statements 124ms Transactions 563ms Lloyds Response times (milliseconds): December 2025 Account Requests – AIS 210ms Account Requests – COF 258ms Accounts 125ms Balances 140ms Beneficiaries 225ms Direct Debits 214ms Payments – AIS 228ms Payments – CoF 209ms Payments – PIS 366ms Payments – VRP 326ms Products 408ms Standing Orders – AIS 192ms Standing Orders – PIS 482ms Statements 357ms Transactions 231ms MBNA Response times (milliseconds): December 2025 Account Requests – AIS 212ms Accounts 125ms Balances 237ms Beneficiaries 226ms Direct Debits 151ms Payments – PIS 220ms Products 147ms Standing Orders – AIS 148ms Statements 374ms Transactions 435ms Mettle Response times (milliseconds): December 2025 Account Requests – AIS 65ms Accounts 88ms Balances 56ms Beneficiaries 47ms Direct Debits 118ms Payments – AIS 55ms Payments – PIS 150ms Payments – VRP 150ms Products 84ms Standing Orders – AIS 8ms Statements 412ms Transactions 83ms Nationwide Building Society Response times (milliseconds): December 2025 Account Requests – AIS 163ms Account Requests – COF 272ms Accounts 243ms Balances 209ms Beneficiaries 421ms Direct Debits 596ms Payments – AIS 302ms Payments – CoF 266ms Payments – PIS 349ms Payments – VRP 315ms Products 214ms Standing Orders – AIS 230ms Standing Orders – PIS 381ms Statements 373ms Transactions 236ms NWB Response times (milliseconds): December 2025 Account Requests – AIS 156ms Account Requests – COF 381ms Accounts 456ms Balances 426ms Beneficiaries 796ms Direct Debits 233ms Payments – AIS 237ms Payments – CoF 259ms Payments – PIS 339ms Payments – VRP 317ms Products 274ms Standing Orders – AIS 365ms Standing Orders – PIS 277ms Statements 171ms Transactions 516ms RBS Response times (milliseconds): December 2025 Account Requests – AIS 157ms Account Requests – COF 416ms Accounts 440ms Balances 422ms Beneficiaries 851ms Direct Debits 247ms Payments – AIS 279ms Payments – CoF 274ms Payments – PIS 373ms Payments – VRP 353ms Products 272ms Standing Orders – AIS 365ms Standing Orders – PIS 265ms Statements 204ms Transactions 471ms Santander UK plc Response times (milliseconds): December 2025 Account Requests – AIS 240ms Account Requests – COF 322ms Accounts 350ms Balances 396ms Beneficiaries 589ms Direct Debits 476ms Payments – CoF 351ms Payments – PIS 265ms Payments – VRP 237ms Products 341ms Standing Orders – AIS 466ms Standing Orders – PIS 263ms Statements 480ms Transactions 477ms UBN Response times (milliseconds): December 2025 Account Requests – AIS 165ms Account Requests – COF 537ms Accounts 434ms Balances 355ms Beneficiaries 920ms Direct Debits 265ms Payments – AIS 234ms Payments – CoF 292ms Payments – PIS 399ms Payments – VRP 404ms Products 283ms Standing Orders – AIS 294ms Standing Orders – PIS 254ms Statements 159ms Transactions 429ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand December 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Successful API calls Total calls 2144438967 % of overall total calls 99.45% AIS Total calls 1644957030 % of overall total calls 99.43% PIS Total calls 145752164 % of overall total calls 99.18% December 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand December 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Failed API Calls Total calls 11,902,036 % of overall total calls 0.55% Business Total calls 10,435,303 % of overall total calls 0.48% Technical Total calls 1,466,733 % of overall total calls 0.07% 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. December 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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 December 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Rejected API Calls Total calls 2,628,374 % of overall total calls 0.122% 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. December 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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:December 2025November 2025October 2025September 2025August 2025July 2025June 2025May 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 2022July 2022June 2022May 2022Download historical data (last 12 months):Download dataHistoric Data Download- csv (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 API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. 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 November 2022 there have been 9 Providers and 20 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 November 2022 there have been 9 Providers and 20 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 payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. 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 November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Open Banking Users All Users AIS users PIS users All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. Download chart AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart
All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. Download chart
AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart
PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart
December key performance metrics 99.85% Average API availability – unweighted 324ms Average API response time 99.45% Successful API calls (%) 99.90% Average API availability – weighted 2144.4m Successful API calls (actual) 0.55% 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 December 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Average API availability 99.85% Core hours (06:00-00:00) 99.90% Non core hours (00:00-06:00) 99.69% 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. December 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 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 Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 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% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 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% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 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% Bank of Scotland Availability by Endpoint Category: December 2025 Account Requests – AIS 99.58% Account Requests – COF 99.62% Accounts 99.58% Balances 99.60% Beneficiaries 99.62% Direct Debits 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.61% Payments – VRP 99.62% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.60% Barclays Availability by Endpoint Category: December 2025 Account Requests – AIS 99.95% Account Requests – COF 99.95% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.95% Payments – PIS 99.95% Payments – VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.95% Statements 99.95% Transactions 99.95% Coutts Availability by Endpoint Category: December 2025 Account Requests – AIS 99.46% Account Requests – COF 100.00% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.46% Payments – PIS 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Transactions 99.46% Danske Bank Availability by Endpoint Category: December 2025 Account Requests – AIS 99.60% Account Requests – COF 100.00% Accounts 99.60% Balances 99.60% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.60% Payments – PIS 99.60% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.60% First Direct Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% Halifax Availability by Endpoint Category: December 2025 Account Requests – AIS 99.58% Account Requests – COF 99.62% Accounts 99.59% Balances 99.60% Beneficiaries 99.62% Direct Debits 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.59% Payments – VRP 99.61% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.60% HSBC Business Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.97% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.96% Lloyds Availability by Endpoint Category: December 2025 Account Requests – AIS 99.57% Account Requests – COF 99.62% Accounts 99.59% Balances 99.60% Beneficiaries 99.62% Direct Debits 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.59% Payments – VRP 99.61% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.60% MBNA Availability by Endpoint Category: December 2025 Account Requests – AIS 99.60% Account Requests – COF 100.00% Accounts 99.61% Balances 99.61% Beneficiaries 99.62% Direct Debits 99.81% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.62% Payments – VRP 100.00% Products 99.62% Standing Orders – AIS 99.81% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.62% Mettle Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 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: December 2025 Account Requests – AIS 99.93% Account Requests – COF 99.93% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 99.92% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.91% Payments – VRP 99.85% Products 100.00% Standing Orders – AIS 99.92% Standing Orders – PIS 99.93% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% 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 December 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Average weighted API availability 99.90% Core hours (06:00-00:00) 99.91% Non core hours (00:00-06:00) 99.81% December 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 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 Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 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% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 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% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 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% Bank of Scotland Availability by Endpoint Category: December 2025 Account Requests – AIS 99.67% Account Requests – COF 99.74% Accounts 99.71% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.66% Payments – AIS 99.74% Payments – CoF 99.70% Payments – PIS 99.70% Payments – VRP 99.60% Products 99.64% Standing Orders – AIS 99.66% Standing Orders – PIS 99.76% Statements 99.23% Transactions 99.71% Barclays Availability by Endpoint Category: December 2025 Account Requests – AIS 99.94% Account Requests – COF 99.94% Accounts 99.95% Balances 99.95% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – CoF 99.94% Payments – PIS 99.94% Payments – VRP 99.93% Products 99.95% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Statements 99.92% Transactions 99.95% Coutts Availability by Endpoint Category: December 2025 Account Requests – AIS 99.72% Account Requests – COF 100.00% Accounts 99.75% Balances 99.72% Beneficiaries 99.84% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.98% Payments – PIS 99.87% Products 99.78% Standing Orders – AIS 99.83% Standing Orders – PIS 99.79% Transactions 99.77% Danske Bank Availability by Endpoint Category: December 2025 Account Requests – AIS 99.68% Account Requests – COF 100.00% Accounts 99.75% Balances 99.76% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.69% Payments – PIS 99.74% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.77% First Direct Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% 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 99.99% Halifax Availability by Endpoint Category: December 2025 Account Requests – AIS 99.69% Account Requests – COF 99.74% Accounts 99.73% Balances 99.72% Beneficiaries 99.69% Direct Debits 99.65% Payments – AIS 99.59% Payments – CoF 99.70% Payments – PIS 99.68% Payments – VRP 99.59% Products 99.65% Standing Orders – AIS 99.66% Standing Orders – PIS 99.79% Statements 99.37% Transactions 99.73% HSBC Business Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% 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 99.98% Lloyds Availability by Endpoint Category: December 2025 Account Requests – AIS 99.69% Account Requests – COF 99.75% Accounts 99.73% Balances 99.72% Beneficiaries 99.69% Direct Debits 99.65% Payments – AIS 99.41% Payments – CoF 99.68% Payments – PIS 99.68% Payments – VRP 99.61% Products 99.64% Standing Orders – AIS 99.65% Standing Orders – PIS 99.75% Statements 99.48% Transactions 99.73% MBNA Availability by Endpoint Category: December 2025 Account Requests – AIS 99.68% Accounts 99.70% Balances 99.68% Beneficiaries 99.76% Direct Debits 100.00% Payments – PIS 99.72% Products 99.65% Standing Orders – AIS 100.00% Statements 100.00% Transactions 99.71% Mettle Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 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: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 99.90% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.96% Payments – VRP 99.99% Products 100.00% Standing Orders – AIS 99.92% Standing Orders – PIS 99.96% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – 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% UBN Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Average API response times Average API response times by brand Response times by brand December 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Average API Response Time 324 milliseconds December 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 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 Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): December 2025 Account Requests – AIS 213ms Accounts 152ms Balances 119ms Direct Debits 1,494ms Payments – CoF 170ms Payments – PIS 156ms Payments – VRP 152ms Products 619ms Standing Orders – AIS 288ms Standing Orders – PIS 162ms Transactions 131ms AIB Group (UK) p.l.c. Response times (milliseconds): December 2025 Account Requests – AIS 120ms Accounts 58ms Balances 39ms Payments – AIS 10ms Payments – CoF 93ms Payments – PIS 68ms Payments – VRP 235ms Products 518ms Standing Orders – AIS 192ms Standing Orders – PIS 69ms Transactions 48ms Bank of Ireland UK Response times (milliseconds): December 2025 Account Requests – AIS 169ms Account Requests – COF 301ms Accounts 297ms Balances 296ms Beneficiaries 720ms Payments – AIS 482ms Payments – CoF 514ms Payments – PIS 725ms Payments – VRP 1,276ms Products 688ms Standing Orders – AIS 524ms Standing Orders – PIS 485ms Statements 568ms Transactions 331ms Bank of Scotland Response times (milliseconds): December 2025 Account Requests – AIS 198ms Account Requests – COF 284ms Accounts 125ms Balances 141ms Beneficiaries 227ms Direct Debits 215ms Payments – AIS 229ms Payments – CoF 211ms Payments – PIS 368ms Payments – VRP 330ms Products 409ms Standing Orders – AIS 193ms Standing Orders – PIS 447ms Statements 349ms Transactions 232ms Barclays Response times (milliseconds): December 2025 Account Requests – AIS 141ms Account Requests – COF 199ms Accounts 211ms Balances 209ms Beneficiaries 260ms Direct Debits 214ms Payments – AIS 248ms Payments – CoF 272ms Payments – PIS 181ms Payments – VRP 260ms Products 344ms Standing Orders – AIS 219ms Standing Orders – PIS 160ms Statements 136ms Transactions 260ms Coutts Response times (milliseconds): December 2025 Account Requests – AIS 1,010ms Account Requests – COF 941ms Accounts 247ms Balances 267ms Beneficiaries 1,640ms Direct Debits 902ms Payments – AIS 232ms Payments – CoF 361ms Payments – PIS 732ms Products 252ms Standing Orders – AIS 237ms Standing Orders – PIS 727ms Transactions 348ms Danske Bank Response times (milliseconds): December 2025 Account Requests – AIS 68ms Account Requests – COF 683ms Accounts 747ms Balances 222ms Beneficiaries 254ms Direct Debits 421ms Payments – AIS 374ms Payments – CoF 144ms Payments – PIS 123ms Payments – VRP 284ms Products 172ms Standing Orders – AIS 361ms Standing Orders – PIS 117ms Transactions 683ms First Direct Response times (milliseconds): December 2025 Account Requests – AIS 149ms Account Requests – COF 318ms Accounts 326ms Balances 352ms Beneficiaries 516ms Direct Debits 548ms Payments – AIS 765ms Payments – CoF 447ms Payments – PIS 302ms Payments – VRP 349ms Products 636ms Standing Orders – AIS 521ms Standing Orders – PIS 310ms Statements 281ms Transactions 525ms Halifax Response times (milliseconds): December 2025 Account Requests – AIS 208ms Account Requests – COF 258ms Accounts 125ms Balances 142ms Beneficiaries 224ms Direct Debits 214ms Payments – AIS 215ms Payments – CoF 210ms Payments – PIS 365ms Payments – VRP 328ms Products 409ms Standing Orders – AIS 193ms Standing Orders – PIS 498ms Statements 355ms Transactions 241ms HSBC Business Response times (milliseconds): December 2025 Account Requests – AIS 189ms Account Requests – COF 302ms Accounts 327ms Balances 317ms Beneficiaries 255ms Direct Debits 487ms Payments – AIS 153ms Payments – CoF 481ms Payments – PIS 466ms Payments – VRP 477ms Products 699ms Standing Orders – AIS 236ms Standing Orders – PIS 413ms Statements 772ms Transactions 400ms HSBC Kinetic Response times (milliseconds): December 2025 Account Requests – AIS 155ms Account Requests – COF 281ms Accounts 404ms Balances 398ms Beneficiaries 655ms Direct Debits 1,171ms Payments – AIS 1,230ms Payments – CoF 601ms Payments – PIS 331ms Payments – VRP 450ms Products 1,067ms Standing Orders – AIS 1,222ms Standing Orders – PIS 250ms Statements 3,150ms Transactions 606ms HSBC Personal Response times (milliseconds): December 2025 Account Requests – AIS 168ms Account Requests – COF 307ms Accounts 365ms Balances 380ms Beneficiaries 651ms Direct Debits 578ms Payments – AIS 867ms Payments – CoF 472ms Payments – PIS 299ms Payments – VRP 348ms Products 654ms Standing Orders – AIS 586ms Standing Orders – PIS 300ms Statements 124ms Transactions 563ms Lloyds Response times (milliseconds): December 2025 Account Requests – AIS 210ms Account Requests – COF 258ms Accounts 125ms Balances 140ms Beneficiaries 225ms Direct Debits 214ms Payments – AIS 228ms Payments – CoF 209ms Payments – PIS 366ms Payments – VRP 326ms Products 408ms Standing Orders – AIS 192ms Standing Orders – PIS 482ms Statements 357ms Transactions 231ms MBNA Response times (milliseconds): December 2025 Account Requests – AIS 212ms Accounts 125ms Balances 237ms Beneficiaries 226ms Direct Debits 151ms Payments – PIS 220ms Products 147ms Standing Orders – AIS 148ms Statements 374ms Transactions 435ms Mettle Response times (milliseconds): December 2025 Account Requests – AIS 65ms Accounts 88ms Balances 56ms Beneficiaries 47ms Direct Debits 118ms Payments – AIS 55ms Payments – PIS 150ms Payments – VRP 150ms Products 84ms Standing Orders – AIS 8ms Statements 412ms Transactions 83ms Nationwide Building Society Response times (milliseconds): December 2025 Account Requests – AIS 163ms Account Requests – COF 272ms Accounts 243ms Balances 209ms Beneficiaries 421ms Direct Debits 596ms Payments – AIS 302ms Payments – CoF 266ms Payments – PIS 349ms Payments – VRP 315ms Products 214ms Standing Orders – AIS 230ms Standing Orders – PIS 381ms Statements 373ms Transactions 236ms NWB Response times (milliseconds): December 2025 Account Requests – AIS 156ms Account Requests – COF 381ms Accounts 456ms Balances 426ms Beneficiaries 796ms Direct Debits 233ms Payments – AIS 237ms Payments – CoF 259ms Payments – PIS 339ms Payments – VRP 317ms Products 274ms Standing Orders – AIS 365ms Standing Orders – PIS 277ms Statements 171ms Transactions 516ms RBS Response times (milliseconds): December 2025 Account Requests – AIS 157ms Account Requests – COF 416ms Accounts 440ms Balances 422ms Beneficiaries 851ms Direct Debits 247ms Payments – AIS 279ms Payments – CoF 274ms Payments – PIS 373ms Payments – VRP 353ms Products 272ms Standing Orders – AIS 365ms Standing Orders – PIS 265ms Statements 204ms Transactions 471ms Santander UK plc Response times (milliseconds): December 2025 Account Requests – AIS 240ms Account Requests – COF 322ms Accounts 350ms Balances 396ms Beneficiaries 589ms Direct Debits 476ms Payments – CoF 351ms Payments – PIS 265ms Payments – VRP 237ms Products 341ms Standing Orders – AIS 466ms Standing Orders – PIS 263ms Statements 480ms Transactions 477ms UBN Response times (milliseconds): December 2025 Account Requests – AIS 165ms Account Requests – COF 537ms Accounts 434ms Balances 355ms Beneficiaries 920ms Direct Debits 265ms Payments – AIS 234ms Payments – CoF 292ms Payments – PIS 399ms Payments – VRP 404ms Products 283ms Standing Orders – AIS 294ms Standing Orders – PIS 254ms Statements 159ms Transactions 429ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand December 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Successful API calls Total calls 2144438967 % of overall total calls 99.45% AIS Total calls 1644957030 % of overall total calls 99.43% PIS Total calls 145752164 % of overall total calls 99.18% December 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand December 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Failed API Calls Total calls 11,902,036 % of overall total calls 0.55% Business Total calls 10,435,303 % of overall total calls 0.48% Technical Total calls 1,466,733 % of overall total calls 0.07% 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. December 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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 December 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Rejected API Calls Total calls 2,628,374 % of overall total calls 0.122% 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. December 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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.
December key performance metrics 99.85% Average API availability – unweighted 324ms Average API response time 99.45% Successful API calls (%) 99.90% Average API availability – weighted 2144.4m Successful API calls (actual) 0.55% Failed API calls
Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted December 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Average API availability 99.85% Core hours (06:00-00:00) 99.90% Non core hours (00:00-06:00) 99.69% 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. December 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 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 Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 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% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 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% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 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% Bank of Scotland Availability by Endpoint Category: December 2025 Account Requests – AIS 99.58% Account Requests – COF 99.62% Accounts 99.58% Balances 99.60% Beneficiaries 99.62% Direct Debits 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.61% Payments – VRP 99.62% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.60% Barclays Availability by Endpoint Category: December 2025 Account Requests – AIS 99.95% Account Requests – COF 99.95% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.95% Payments – PIS 99.95% Payments – VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.95% Statements 99.95% Transactions 99.95% Coutts Availability by Endpoint Category: December 2025 Account Requests – AIS 99.46% Account Requests – COF 100.00% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.46% Payments – PIS 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Transactions 99.46% Danske Bank Availability by Endpoint Category: December 2025 Account Requests – AIS 99.60% Account Requests – COF 100.00% Accounts 99.60% Balances 99.60% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.60% Payments – PIS 99.60% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.60% First Direct Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% Halifax Availability by Endpoint Category: December 2025 Account Requests – AIS 99.58% Account Requests – COF 99.62% Accounts 99.59% Balances 99.60% Beneficiaries 99.62% Direct Debits 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.59% Payments – VRP 99.61% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.60% HSBC Business Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.97% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.96% Lloyds Availability by Endpoint Category: December 2025 Account Requests – AIS 99.57% Account Requests – COF 99.62% Accounts 99.59% Balances 99.60% Beneficiaries 99.62% Direct Debits 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.59% Payments – VRP 99.61% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.60% MBNA Availability by Endpoint Category: December 2025 Account Requests – AIS 99.60% Account Requests – COF 100.00% Accounts 99.61% Balances 99.61% Beneficiaries 99.62% Direct Debits 99.81% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.62% Payments – VRP 100.00% Products 99.62% Standing Orders – AIS 99.81% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.62% Mettle Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 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: December 2025 Account Requests – AIS 99.93% Account Requests – COF 99.93% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 99.92% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.91% Payments – VRP 99.85% Products 100.00% Standing Orders – AIS 99.92% Standing Orders – PIS 99.93% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00%
December 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Average API availability 99.85% Core hours (06:00-00:00) 99.90% Non core hours (00:00-06:00) 99.69% 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.
December 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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.
December 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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.
December 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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.
December 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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.
December 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. 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.
December 2025 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 Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 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% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 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% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 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% Bank of Scotland Availability by Endpoint Category: December 2025 Account Requests – AIS 99.58% Account Requests – COF 99.62% Accounts 99.58% Balances 99.60% Beneficiaries 99.62% Direct Debits 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.61% Payments – VRP 99.62% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.60% Barclays Availability by Endpoint Category: December 2025 Account Requests – AIS 99.95% Account Requests – COF 99.95% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.95% Payments – PIS 99.95% Payments – VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.95% Statements 99.95% Transactions 99.95% Coutts Availability by Endpoint Category: December 2025 Account Requests – AIS 99.46% Account Requests – COF 100.00% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.46% Payments – PIS 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Transactions 99.46% Danske Bank Availability by Endpoint Category: December 2025 Account Requests – AIS 99.60% Account Requests – COF 100.00% Accounts 99.60% Balances 99.60% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.60% Payments – PIS 99.60% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.60% First Direct Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% Halifax Availability by Endpoint Category: December 2025 Account Requests – AIS 99.58% Account Requests – COF 99.62% Accounts 99.59% Balances 99.60% Beneficiaries 99.62% Direct Debits 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.59% Payments – VRP 99.61% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.60% HSBC Business Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.97% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.96% Lloyds Availability by Endpoint Category: December 2025 Account Requests – AIS 99.57% Account Requests – COF 99.62% Accounts 99.59% Balances 99.60% Beneficiaries 99.62% Direct Debits 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.59% Payments – VRP 99.61% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.60% MBNA Availability by Endpoint Category: December 2025 Account Requests – AIS 99.60% Account Requests – COF 100.00% Accounts 99.61% Balances 99.61% Beneficiaries 99.62% Direct Debits 99.81% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.62% Payments – VRP 100.00% Products 99.62% Standing Orders – AIS 99.81% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.62% Mettle Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 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: December 2025 Account Requests – AIS 99.93% Account Requests – COF 99.93% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 99.92% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.91% Payments – VRP 99.85% Products 100.00% Standing Orders – AIS 99.92% Standing Orders – PIS 99.93% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00%
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 December 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Average weighted API availability 99.90% Core hours (06:00-00:00) 99.91% Non core hours (00:00-06:00) 99.81% December 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 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 Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 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% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 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% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 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% Bank of Scotland Availability by Endpoint Category: December 2025 Account Requests – AIS 99.67% Account Requests – COF 99.74% Accounts 99.71% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.66% Payments – AIS 99.74% Payments – CoF 99.70% Payments – PIS 99.70% Payments – VRP 99.60% Products 99.64% Standing Orders – AIS 99.66% Standing Orders – PIS 99.76% Statements 99.23% Transactions 99.71% Barclays Availability by Endpoint Category: December 2025 Account Requests – AIS 99.94% Account Requests – COF 99.94% Accounts 99.95% Balances 99.95% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – CoF 99.94% Payments – PIS 99.94% Payments – VRP 99.93% Products 99.95% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Statements 99.92% Transactions 99.95% Coutts Availability by Endpoint Category: December 2025 Account Requests – AIS 99.72% Account Requests – COF 100.00% Accounts 99.75% Balances 99.72% Beneficiaries 99.84% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.98% Payments – PIS 99.87% Products 99.78% Standing Orders – AIS 99.83% Standing Orders – PIS 99.79% Transactions 99.77% Danske Bank Availability by Endpoint Category: December 2025 Account Requests – AIS 99.68% Account Requests – COF 100.00% Accounts 99.75% Balances 99.76% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.69% Payments – PIS 99.74% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.77% First Direct Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% 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 99.99% Halifax Availability by Endpoint Category: December 2025 Account Requests – AIS 99.69% Account Requests – COF 99.74% Accounts 99.73% Balances 99.72% Beneficiaries 99.69% Direct Debits 99.65% Payments – AIS 99.59% Payments – CoF 99.70% Payments – PIS 99.68% Payments – VRP 99.59% Products 99.65% Standing Orders – AIS 99.66% Standing Orders – PIS 99.79% Statements 99.37% Transactions 99.73% HSBC Business Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% 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 99.98% Lloyds Availability by Endpoint Category: December 2025 Account Requests – AIS 99.69% Account Requests – COF 99.75% Accounts 99.73% Balances 99.72% Beneficiaries 99.69% Direct Debits 99.65% Payments – AIS 99.41% Payments – CoF 99.68% Payments – PIS 99.68% Payments – VRP 99.61% Products 99.64% Standing Orders – AIS 99.65% Standing Orders – PIS 99.75% Statements 99.48% Transactions 99.73% MBNA Availability by Endpoint Category: December 2025 Account Requests – AIS 99.68% Accounts 99.70% Balances 99.68% Beneficiaries 99.76% Direct Debits 100.00% Payments – PIS 99.72% Products 99.65% Standing Orders – AIS 100.00% Statements 100.00% Transactions 99.71% Mettle Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 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: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 99.90% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.96% Payments – VRP 99.99% Products 100.00% Standing Orders – AIS 99.92% Standing Orders – PIS 99.96% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – 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% UBN Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00%
December 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Average weighted API availability 99.90% Core hours (06:00-00:00) 99.91% Non core hours (00:00-06:00) 99.81%
December 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart
December 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart
December 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart
December 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart
December 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart
December 2025 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 Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 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% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 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% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 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% Bank of Scotland Availability by Endpoint Category: December 2025 Account Requests – AIS 99.67% Account Requests – COF 99.74% Accounts 99.71% Balances 99.70% Beneficiaries 99.70% Direct Debits 99.66% Payments – AIS 99.74% Payments – CoF 99.70% Payments – PIS 99.70% Payments – VRP 99.60% Products 99.64% Standing Orders – AIS 99.66% Standing Orders – PIS 99.76% Statements 99.23% Transactions 99.71% Barclays Availability by Endpoint Category: December 2025 Account Requests – AIS 99.94% Account Requests – COF 99.94% Accounts 99.95% Balances 99.95% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – CoF 99.94% Payments – PIS 99.94% Payments – VRP 99.93% Products 99.95% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Statements 99.92% Transactions 99.95% Coutts Availability by Endpoint Category: December 2025 Account Requests – AIS 99.72% Account Requests – COF 100.00% Accounts 99.75% Balances 99.72% Beneficiaries 99.84% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.98% Payments – PIS 99.87% Products 99.78% Standing Orders – AIS 99.83% Standing Orders – PIS 99.79% Transactions 99.77% Danske Bank Availability by Endpoint Category: December 2025 Account Requests – AIS 99.68% Account Requests – COF 100.00% Accounts 99.75% Balances 99.76% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 99.69% Payments – PIS 99.74% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.77% First Direct Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% 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 99.99% Halifax Availability by Endpoint Category: December 2025 Account Requests – AIS 99.69% Account Requests – COF 99.74% Accounts 99.73% Balances 99.72% Beneficiaries 99.69% Direct Debits 99.65% Payments – AIS 99.59% Payments – CoF 99.70% Payments – PIS 99.68% Payments – VRP 99.59% Products 99.65% Standing Orders – AIS 99.66% Standing Orders – PIS 99.79% Statements 99.37% Transactions 99.73% HSBC Business Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% 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 99.98% Lloyds Availability by Endpoint Category: December 2025 Account Requests – AIS 99.69% Account Requests – COF 99.75% Accounts 99.73% Balances 99.72% Beneficiaries 99.69% Direct Debits 99.65% Payments – AIS 99.41% Payments – CoF 99.68% Payments – PIS 99.68% Payments – VRP 99.61% Products 99.64% Standing Orders – AIS 99.65% Standing Orders – PIS 99.75% Statements 99.48% Transactions 99.73% MBNA Availability by Endpoint Category: December 2025 Account Requests – AIS 99.68% Accounts 99.70% Balances 99.68% Beneficiaries 99.76% Direct Debits 100.00% Payments – PIS 99.72% Products 99.65% Standing Orders – AIS 100.00% Statements 100.00% Transactions 99.71% Mettle Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 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: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 99.90% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.96% Payments – VRP 99.99% Products 100.00% Standing Orders – AIS 99.92% Standing Orders – PIS 99.96% Statements 100.00% Transactions 100.00% NWB Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – 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% UBN Availability by Endpoint Category: December 2025 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00%
Average API response times Average API response times by brand Response times by brand December 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Average API Response Time 324 milliseconds December 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 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 Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): December 2025 Account Requests – AIS 213ms Accounts 152ms Balances 119ms Direct Debits 1,494ms Payments – CoF 170ms Payments – PIS 156ms Payments – VRP 152ms Products 619ms Standing Orders – AIS 288ms Standing Orders – PIS 162ms Transactions 131ms AIB Group (UK) p.l.c. Response times (milliseconds): December 2025 Account Requests – AIS 120ms Accounts 58ms Balances 39ms Payments – AIS 10ms Payments – CoF 93ms Payments – PIS 68ms Payments – VRP 235ms Products 518ms Standing Orders – AIS 192ms Standing Orders – PIS 69ms Transactions 48ms Bank of Ireland UK Response times (milliseconds): December 2025 Account Requests – AIS 169ms Account Requests – COF 301ms Accounts 297ms Balances 296ms Beneficiaries 720ms Payments – AIS 482ms Payments – CoF 514ms Payments – PIS 725ms Payments – VRP 1,276ms Products 688ms Standing Orders – AIS 524ms Standing Orders – PIS 485ms Statements 568ms Transactions 331ms Bank of Scotland Response times (milliseconds): December 2025 Account Requests – AIS 198ms Account Requests – COF 284ms Accounts 125ms Balances 141ms Beneficiaries 227ms Direct Debits 215ms Payments – AIS 229ms Payments – CoF 211ms Payments – PIS 368ms Payments – VRP 330ms Products 409ms Standing Orders – AIS 193ms Standing Orders – PIS 447ms Statements 349ms Transactions 232ms Barclays Response times (milliseconds): December 2025 Account Requests – AIS 141ms Account Requests – COF 199ms Accounts 211ms Balances 209ms Beneficiaries 260ms Direct Debits 214ms Payments – AIS 248ms Payments – CoF 272ms Payments – PIS 181ms Payments – VRP 260ms Products 344ms Standing Orders – AIS 219ms Standing Orders – PIS 160ms Statements 136ms Transactions 260ms Coutts Response times (milliseconds): December 2025 Account Requests – AIS 1,010ms Account Requests – COF 941ms Accounts 247ms Balances 267ms Beneficiaries 1,640ms Direct Debits 902ms Payments – AIS 232ms Payments – CoF 361ms Payments – PIS 732ms Products 252ms Standing Orders – AIS 237ms Standing Orders – PIS 727ms Transactions 348ms Danske Bank Response times (milliseconds): December 2025 Account Requests – AIS 68ms Account Requests – COF 683ms Accounts 747ms Balances 222ms Beneficiaries 254ms Direct Debits 421ms Payments – AIS 374ms Payments – CoF 144ms Payments – PIS 123ms Payments – VRP 284ms Products 172ms Standing Orders – AIS 361ms Standing Orders – PIS 117ms Transactions 683ms First Direct Response times (milliseconds): December 2025 Account Requests – AIS 149ms Account Requests – COF 318ms Accounts 326ms Balances 352ms Beneficiaries 516ms Direct Debits 548ms Payments – AIS 765ms Payments – CoF 447ms Payments – PIS 302ms Payments – VRP 349ms Products 636ms Standing Orders – AIS 521ms Standing Orders – PIS 310ms Statements 281ms Transactions 525ms Halifax Response times (milliseconds): December 2025 Account Requests – AIS 208ms Account Requests – COF 258ms Accounts 125ms Balances 142ms Beneficiaries 224ms Direct Debits 214ms Payments – AIS 215ms Payments – CoF 210ms Payments – PIS 365ms Payments – VRP 328ms Products 409ms Standing Orders – AIS 193ms Standing Orders – PIS 498ms Statements 355ms Transactions 241ms HSBC Business Response times (milliseconds): December 2025 Account Requests – AIS 189ms Account Requests – COF 302ms Accounts 327ms Balances 317ms Beneficiaries 255ms Direct Debits 487ms Payments – AIS 153ms Payments – CoF 481ms Payments – PIS 466ms Payments – VRP 477ms Products 699ms Standing Orders – AIS 236ms Standing Orders – PIS 413ms Statements 772ms Transactions 400ms HSBC Kinetic Response times (milliseconds): December 2025 Account Requests – AIS 155ms Account Requests – COF 281ms Accounts 404ms Balances 398ms Beneficiaries 655ms Direct Debits 1,171ms Payments – AIS 1,230ms Payments – CoF 601ms Payments – PIS 331ms Payments – VRP 450ms Products 1,067ms Standing Orders – AIS 1,222ms Standing Orders – PIS 250ms Statements 3,150ms Transactions 606ms HSBC Personal Response times (milliseconds): December 2025 Account Requests – AIS 168ms Account Requests – COF 307ms Accounts 365ms Balances 380ms Beneficiaries 651ms Direct Debits 578ms Payments – AIS 867ms Payments – CoF 472ms Payments – PIS 299ms Payments – VRP 348ms Products 654ms Standing Orders – AIS 586ms Standing Orders – PIS 300ms Statements 124ms Transactions 563ms Lloyds Response times (milliseconds): December 2025 Account Requests – AIS 210ms Account Requests – COF 258ms Accounts 125ms Balances 140ms Beneficiaries 225ms Direct Debits 214ms Payments – AIS 228ms Payments – CoF 209ms Payments – PIS 366ms Payments – VRP 326ms Products 408ms Standing Orders – AIS 192ms Standing Orders – PIS 482ms Statements 357ms Transactions 231ms MBNA Response times (milliseconds): December 2025 Account Requests – AIS 212ms Accounts 125ms Balances 237ms Beneficiaries 226ms Direct Debits 151ms Payments – PIS 220ms Products 147ms Standing Orders – AIS 148ms Statements 374ms Transactions 435ms Mettle Response times (milliseconds): December 2025 Account Requests – AIS 65ms Accounts 88ms Balances 56ms Beneficiaries 47ms Direct Debits 118ms Payments – AIS 55ms Payments – PIS 150ms Payments – VRP 150ms Products 84ms Standing Orders – AIS 8ms Statements 412ms Transactions 83ms Nationwide Building Society Response times (milliseconds): December 2025 Account Requests – AIS 163ms Account Requests – COF 272ms Accounts 243ms Balances 209ms Beneficiaries 421ms Direct Debits 596ms Payments – AIS 302ms Payments – CoF 266ms Payments – PIS 349ms Payments – VRP 315ms Products 214ms Standing Orders – AIS 230ms Standing Orders – PIS 381ms Statements 373ms Transactions 236ms NWB Response times (milliseconds): December 2025 Account Requests – AIS 156ms Account Requests – COF 381ms Accounts 456ms Balances 426ms Beneficiaries 796ms Direct Debits 233ms Payments – AIS 237ms Payments – CoF 259ms Payments – PIS 339ms Payments – VRP 317ms Products 274ms Standing Orders – AIS 365ms Standing Orders – PIS 277ms Statements 171ms Transactions 516ms RBS Response times (milliseconds): December 2025 Account Requests – AIS 157ms Account Requests – COF 416ms Accounts 440ms Balances 422ms Beneficiaries 851ms Direct Debits 247ms Payments – AIS 279ms Payments – CoF 274ms Payments – PIS 373ms Payments – VRP 353ms Products 272ms Standing Orders – AIS 365ms Standing Orders – PIS 265ms Statements 204ms Transactions 471ms Santander UK plc Response times (milliseconds): December 2025 Account Requests – AIS 240ms Account Requests – COF 322ms Accounts 350ms Balances 396ms Beneficiaries 589ms Direct Debits 476ms Payments – CoF 351ms Payments – PIS 265ms Payments – VRP 237ms Products 341ms Standing Orders – AIS 466ms Standing Orders – PIS 263ms Statements 480ms Transactions 477ms UBN Response times (milliseconds): December 2025 Account Requests – AIS 165ms Account Requests – COF 537ms Accounts 434ms Balances 355ms Beneficiaries 920ms Direct Debits 265ms Payments – AIS 234ms Payments – CoF 292ms Payments – PIS 399ms Payments – VRP 404ms Products 283ms Standing Orders – AIS 294ms Standing Orders – PIS 254ms Statements 159ms Transactions 429ms
December 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Average API Response Time 324 milliseconds
December 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in December. Download chart
December 2025 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 Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): December 2025 Account Requests – AIS 213ms Accounts 152ms Balances 119ms Direct Debits 1,494ms Payments – CoF 170ms Payments – PIS 156ms Payments – VRP 152ms Products 619ms Standing Orders – AIS 288ms Standing Orders – PIS 162ms Transactions 131ms AIB Group (UK) p.l.c. Response times (milliseconds): December 2025 Account Requests – AIS 120ms Accounts 58ms Balances 39ms Payments – AIS 10ms Payments – CoF 93ms Payments – PIS 68ms Payments – VRP 235ms Products 518ms Standing Orders – AIS 192ms Standing Orders – PIS 69ms Transactions 48ms Bank of Ireland UK Response times (milliseconds): December 2025 Account Requests – AIS 169ms Account Requests – COF 301ms Accounts 297ms Balances 296ms Beneficiaries 720ms Payments – AIS 482ms Payments – CoF 514ms Payments – PIS 725ms Payments – VRP 1,276ms Products 688ms Standing Orders – AIS 524ms Standing Orders – PIS 485ms Statements 568ms Transactions 331ms Bank of Scotland Response times (milliseconds): December 2025 Account Requests – AIS 198ms Account Requests – COF 284ms Accounts 125ms Balances 141ms Beneficiaries 227ms Direct Debits 215ms Payments – AIS 229ms Payments – CoF 211ms Payments – PIS 368ms Payments – VRP 330ms Products 409ms Standing Orders – AIS 193ms Standing Orders – PIS 447ms Statements 349ms Transactions 232ms Barclays Response times (milliseconds): December 2025 Account Requests – AIS 141ms Account Requests – COF 199ms Accounts 211ms Balances 209ms Beneficiaries 260ms Direct Debits 214ms Payments – AIS 248ms Payments – CoF 272ms Payments – PIS 181ms Payments – VRP 260ms Products 344ms Standing Orders – AIS 219ms Standing Orders – PIS 160ms Statements 136ms Transactions 260ms Coutts Response times (milliseconds): December 2025 Account Requests – AIS 1,010ms Account Requests – COF 941ms Accounts 247ms Balances 267ms Beneficiaries 1,640ms Direct Debits 902ms Payments – AIS 232ms Payments – CoF 361ms Payments – PIS 732ms Products 252ms Standing Orders – AIS 237ms Standing Orders – PIS 727ms Transactions 348ms Danske Bank Response times (milliseconds): December 2025 Account Requests – AIS 68ms Account Requests – COF 683ms Accounts 747ms Balances 222ms Beneficiaries 254ms Direct Debits 421ms Payments – AIS 374ms Payments – CoF 144ms Payments – PIS 123ms Payments – VRP 284ms Products 172ms Standing Orders – AIS 361ms Standing Orders – PIS 117ms Transactions 683ms First Direct Response times (milliseconds): December 2025 Account Requests – AIS 149ms Account Requests – COF 318ms Accounts 326ms Balances 352ms Beneficiaries 516ms Direct Debits 548ms Payments – AIS 765ms Payments – CoF 447ms Payments – PIS 302ms Payments – VRP 349ms Products 636ms Standing Orders – AIS 521ms Standing Orders – PIS 310ms Statements 281ms Transactions 525ms Halifax Response times (milliseconds): December 2025 Account Requests – AIS 208ms Account Requests – COF 258ms Accounts 125ms Balances 142ms Beneficiaries 224ms Direct Debits 214ms Payments – AIS 215ms Payments – CoF 210ms Payments – PIS 365ms Payments – VRP 328ms Products 409ms Standing Orders – AIS 193ms Standing Orders – PIS 498ms Statements 355ms Transactions 241ms HSBC Business Response times (milliseconds): December 2025 Account Requests – AIS 189ms Account Requests – COF 302ms Accounts 327ms Balances 317ms Beneficiaries 255ms Direct Debits 487ms Payments – AIS 153ms Payments – CoF 481ms Payments – PIS 466ms Payments – VRP 477ms Products 699ms Standing Orders – AIS 236ms Standing Orders – PIS 413ms Statements 772ms Transactions 400ms HSBC Kinetic Response times (milliseconds): December 2025 Account Requests – AIS 155ms Account Requests – COF 281ms Accounts 404ms Balances 398ms Beneficiaries 655ms Direct Debits 1,171ms Payments – AIS 1,230ms Payments – CoF 601ms Payments – PIS 331ms Payments – VRP 450ms Products 1,067ms Standing Orders – AIS 1,222ms Standing Orders – PIS 250ms Statements 3,150ms Transactions 606ms HSBC Personal Response times (milliseconds): December 2025 Account Requests – AIS 168ms Account Requests – COF 307ms Accounts 365ms Balances 380ms Beneficiaries 651ms Direct Debits 578ms Payments – AIS 867ms Payments – CoF 472ms Payments – PIS 299ms Payments – VRP 348ms Products 654ms Standing Orders – AIS 586ms Standing Orders – PIS 300ms Statements 124ms Transactions 563ms Lloyds Response times (milliseconds): December 2025 Account Requests – AIS 210ms Account Requests – COF 258ms Accounts 125ms Balances 140ms Beneficiaries 225ms Direct Debits 214ms Payments – AIS 228ms Payments – CoF 209ms Payments – PIS 366ms Payments – VRP 326ms Products 408ms Standing Orders – AIS 192ms Standing Orders – PIS 482ms Statements 357ms Transactions 231ms MBNA Response times (milliseconds): December 2025 Account Requests – AIS 212ms Accounts 125ms Balances 237ms Beneficiaries 226ms Direct Debits 151ms Payments – PIS 220ms Products 147ms Standing Orders – AIS 148ms Statements 374ms Transactions 435ms Mettle Response times (milliseconds): December 2025 Account Requests – AIS 65ms Accounts 88ms Balances 56ms Beneficiaries 47ms Direct Debits 118ms Payments – AIS 55ms Payments – PIS 150ms Payments – VRP 150ms Products 84ms Standing Orders – AIS 8ms Statements 412ms Transactions 83ms Nationwide Building Society Response times (milliseconds): December 2025 Account Requests – AIS 163ms Account Requests – COF 272ms Accounts 243ms Balances 209ms Beneficiaries 421ms Direct Debits 596ms Payments – AIS 302ms Payments – CoF 266ms Payments – PIS 349ms Payments – VRP 315ms Products 214ms Standing Orders – AIS 230ms Standing Orders – PIS 381ms Statements 373ms Transactions 236ms NWB Response times (milliseconds): December 2025 Account Requests – AIS 156ms Account Requests – COF 381ms Accounts 456ms Balances 426ms Beneficiaries 796ms Direct Debits 233ms Payments – AIS 237ms Payments – CoF 259ms Payments – PIS 339ms Payments – VRP 317ms Products 274ms Standing Orders – AIS 365ms Standing Orders – PIS 277ms Statements 171ms Transactions 516ms RBS Response times (milliseconds): December 2025 Account Requests – AIS 157ms Account Requests – COF 416ms Accounts 440ms Balances 422ms Beneficiaries 851ms Direct Debits 247ms Payments – AIS 279ms Payments – CoF 274ms Payments – PIS 373ms Payments – VRP 353ms Products 272ms Standing Orders – AIS 365ms Standing Orders – PIS 265ms Statements 204ms Transactions 471ms Santander UK plc Response times (milliseconds): December 2025 Account Requests – AIS 240ms Account Requests – COF 322ms Accounts 350ms Balances 396ms Beneficiaries 589ms Direct Debits 476ms Payments – CoF 351ms Payments – PIS 265ms Payments – VRP 237ms Products 341ms Standing Orders – AIS 466ms Standing Orders – PIS 263ms Statements 480ms Transactions 477ms UBN Response times (milliseconds): December 2025 Account Requests – AIS 165ms Account Requests – COF 537ms Accounts 434ms Balances 355ms Beneficiaries 920ms Direct Debits 265ms Payments – AIS 234ms Payments – CoF 292ms Payments – PIS 399ms Payments – VRP 404ms Products 283ms Standing Orders – AIS 294ms Standing Orders – PIS 254ms Statements 159ms Transactions 429ms
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand December 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Successful API calls Total calls 2144438967 % of overall total calls 99.45% AIS Total calls 1644957030 % of overall total calls 99.43% PIS Total calls 145752164 % of overall total calls 99.18% December 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart December 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart
December 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Successful API calls Total calls 2144438967 % of overall total calls 99.45% AIS Total calls 1644957030 % of overall total calls 99.43% PIS Total calls 145752164 % of overall total calls 99.18%
December 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart
December 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart
December 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart
December 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand December 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Failed API Calls Total calls 11,902,036 % of overall total calls 0.55% Business Total calls 10,435,303 % of overall total calls 0.48% Technical Total calls 1,466,733 % of overall total calls 0.07% 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. December 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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. December 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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.
December 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Failed API Calls Total calls 11,902,036 % of overall total calls 0.55% Business Total calls 10,435,303 % of overall total calls 0.48% Technical Total calls 1,466,733 % of overall total calls 0.07% 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.
December 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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.
December 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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.
December 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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 December 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Rejected API Calls Total calls 2,628,374 % of overall total calls 0.122% 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. December 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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.
December 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. Download chart Rejected API Calls Total calls 2,628,374 % of overall total calls 0.122% 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.
December 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in December. 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.