API Performance Stats

Average API availability – unweighted

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

Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.

Notes on the data:  Unweighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years.  Since November 2022 there have been 9 Providers and 20 brands providing data.

Average API availability – weighted

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

Weighted availability is calculated by applying a factor to the availability of each endpoint, each day, based on the proportion of total daily API calls to that endpoint.

Notes on the data: Weighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years.  Since November 2022 there have been 9 Providers and 20 brands providing data.

Successful API calls

This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs.

Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data.

Successful Payments

This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs.

Notes on the data: Successful payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years.  Since November 2022 there have been 9 Providers and 20 brands providing data.

Average API call response times

This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs.

Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data.

Open Banking Users

All Users

This chart shows the total and number of new users consuming Open Banking services each month

Notes on the data:

All users have consumed AIS and/or PIS services in the reporting period.  

Total users as reported includes the volume of new users.

Open Banking are unable to identify individuals consuming services through more than one brand.  Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.

New users have consumed AIS and/or PIS services for the first time during the reporting period.  Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart

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

AIS users

This chart shows the total and number of AIS users consuming Open Banking services each month

Notes on the data: 

All users have consumed AIS and/or PIS services in the reporting period.  

Total users as reported includes the volume of new users.

Open Banking are unable to identify individuals consuming services through more than one brand.  Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.

New users have consumed AIS and/or PIS services for the first time during the reporting period.  Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart

PIS Users

This chart shows the total and number of PIS users consuming Open Banking services each month

Notes on the data: 

All users have consumed AIS and/or PIS services in the reporting period.  

Total users as reported includes the volume of new users.

Open Banking are unable to identify individuals consuming services through more than one brand.  Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.

New users have consumed AIS and/or PIS services for the first time during the reporting period.  Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart

August key performance metrics

99.52%

Average API availability – unweighted

342ms

Average API response time

99.33%

Successful API calls (%)

99.92%

Average API availability – weighted

2062.9m

Successful API calls (actual)

0.67%

Failed API calls

August 2025

Average API availability – unweighted

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

Average API availability

99.53%

Core hours (06:00-00:00)

99.61%

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

99.30%

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.

August 2025

Average API availability by brand – unweighted

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

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.

August 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 August.

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.

August 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 August.

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.

August 2025

AIS availability by brand – unweighted

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

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.

August 2025

PIS availability by brand – unweighted

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

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.

August 2025

API availability by category – unweighted

Select an account provider

AIB (NI) Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.38%

payments-VRP

99.38%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

99.38%

Statements

100.0%

Transactions

100.0%

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

August 2025
Account Requests – AIS

100.0%

Accounts

100.0%

Balances

100.0%

Payments – CoF

100.0%

Payments – PIS

99.38%

payments-VRP

99.38%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

99.38%

Transactions

100.0%

Bank of Ireland UK Availability by Endpoint Category:

August 2025
Account Requests – AIS

96.19%

Account Requests – CoF

96.19%

Accounts

96.19%

Balances

96.19%

Beneficiaries

100.0%

Payments – AIS

96.19%

Payments – CoF

96.19%

Payments – PIS

96.19%

payments-VRP

96.19%

Products

96.19%

Standing Orders – AIS

96.19%

Standing Orders – PIS

96.19%

Statements

99.14%

Transactions

96.19%

Bank of Scotland Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.94%

Barclays Availability by Endpoint Category:

August 2025
Account Requests – AIS

99.77%

Account Requests – CoF

99.77%

Accounts

99.77%

Balances

99.77%

Beneficiaries

99.77%

Direct Debits

99.77%

Payments – AIS

99.77%

Payments – CoF

99.77%

Payments – PIS

99.77%

payments-VRP

99.77%

Products

99.77%

Standing Orders – AIS

99.77%

Standing Orders – PIS

99.77%

Statements

99.77%

Transactions

99.77%

Coutts Availability by Endpoint Category:

August 2025
Account Requests – AIS

99.46%

Account Requests – CoF

100.0%

Accounts

99.46%

Balances

99.46%

Beneficiaries

99.46%

Direct Debits

100.0%

Payments – CoF

100.0%

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:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.97%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

99.98%

First Direct Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.59%

Balances

99.83%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.9%

payments-VRP

99.59%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.9%

Halifax Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.97%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.89%

HSBC Business Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.33%

Balances

99.83%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.98%

payments-VRP

99.98%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.8%

HSBC Kinetic Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.53%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.97%

HSBC Personal Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.59%

Balances

99.83%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.89%

payments-VRP

99.47%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.86%

Lloyds Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.96%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.86%

MBNA Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.71%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.88%

Mettle Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Statements

100.0%

Transactions

100.0%

Nationwide Building Society Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

99.99%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

100.0%

NWB Availability by Endpoint Category:

August 2025
Account Requests – AIS

99.99%

Account Requests – CoF

99.98%

Accounts

99.99%

Balances

99.99%

Beneficiaries

99.98%

Direct Debits

99.99%

Payments – AIS

99.99%

Payments – CoF

99.98%

Payments – PIS

99.98%

payments-VRP

99.98%

Products

99.99%

Standing Orders – AIS

99.99%

Standing Orders – PIS

99.98%

Statements

99.99%

Transactions

99.99%

RBS Availability by Endpoint Category:

August 2025
Account Requests – AIS

99.98%

Account Requests – CoF

99.98%

Accounts

99.98%

Balances

99.98%

Beneficiaries

99.98%

Direct Debits

99.98%

Payments – AIS

99.98%

Payments – CoF

99.98%

Payments – PIS

99.98%

payments-VRP

99.98%

Products

99.98%

Standing Orders – AIS

99.98%

Standing Orders – PIS

99.98%

Statements

99.98%

Transactions

99.98%

Santander UK plc Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.71%

payments-VRP

99.71%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

99.71%

Statements

100.0%

Transactions

100.0%

UBN Availability by Endpoint Category:

August 2025
Account Requests – AIS

99.98%

Account Requests – CoF

99.98%

Accounts

99.98%

Balances

99.98%

Beneficiaries

99.98%

Direct Debits

99.98%

Payments – AIS

99.98%

Payments – CoF

99.98%

Payments – PIS

99.98%

payments-VRP

99.98%

Products

99.98%

Standing Orders – AIS

99.98%

Standing Orders – PIS

99.98%

Statements

100.0%

Transactions

99.98%

August 2025

Average API availability – weighted

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

Average weighted API availability

99.73%

Core hours (06:00-00:00)

99.75%

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

99.70%
August 2025

Average API availability by brand – weighted

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

August 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 August.

August 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 August.

August 2025

AIS availability by brand – weighted

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

August 2025

PIS availability by brand – weighted

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

August 2025

API availability by category – weighted

Select an account provider

AIB (NI) Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.38%

payments-VRP

99.38%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

99.39%

Statements

100.0%

Transactions

100.0%

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

August 2025
Account Requests – AIS

100.0%

Accounts

100.0%

Balances

100.0%

Payments – CoF

100.0%

Payments – PIS

99.45%

payments-VRP

99.38%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

99.38%

Transactions

100.0%

Bank of Ireland UK Availability by Endpoint Category:

August 2025
Account Requests – AIS

96.19%

Account Requests – CoF

97.93%

Accounts

96.19%

Balances

96.19%

Beneficiaries

100.0%

Payments – AIS

96.19%

Payments – CoF

96.19%

Payments – PIS

96.2%

payments-VRP

96.28%

Products

96.19%

Standing Orders – AIS

96.19%

Standing Orders – PIS

96.2%

Statements

99.14%

Transactions

96.19%

Bank of Scotland Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.94%

Barclays Availability by Endpoint Category:

August 2025
Account Requests – AIS

99.77%

Account Requests – CoF

99.77%

Accounts

99.77%

Balances

99.77%

Beneficiaries

99.77%

Direct Debits

99.77%

Payments – AIS

99.77%

Payments – CoF

99.77%

Payments – PIS

99.77%

payments-VRP

99.77%

Products

99.77%

Standing Orders – AIS

99.77%

Standing Orders – PIS

99.77%

Statements

99.77%

Transactions

99.77%

Coutts Availability by Endpoint Category:

August 2025
Account Requests – AIS

99.46%

Account Requests – CoF

100.0%

Accounts

99.46%

Balances

99.46%

Beneficiaries

99.46%

Direct Debits

100.0%

Payments – CoF

100.0%

Payments – PIS

99.5%

Products

99.46%

Standing Orders – AIS

99.46%

Standing Orders – PIS

99.5%

Transactions

99.46%

Danske Bank Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.97%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

99.98%

First Direct Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.93%

Balances

99.83%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.94%

payments-VRP

99.89%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.9%

Halifax Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.97%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.89%

HSBC Business Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.34%

Balances

99.83%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.99%

payments-VRP

99.99%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.8%

HSBC Kinetic Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.54%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.97%

HSBC Personal Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.89%

Balances

99.83%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.92%

payments-VRP

99.81%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.86%

Lloyds Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.96%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.86%

MBNA Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Accounts

100.0%

Balances

99.71%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – PIS

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Statements

100.0%

Transactions

99.88%

Mettle Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Statements

100.0%

Transactions

100.0%

Nationwide Building Society Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

99.99%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

100.0%

NWB Availability by Endpoint Category:

August 2025
Account Requests – AIS

99.99%

Account Requests – CoF

99.98%

Accounts

99.99%

Balances

99.99%

Beneficiaries

99.99%

Direct Debits

99.99%

Payments – AIS

99.99%

Payments – CoF

99.98%

Payments – PIS

99.98%

payments-VRP

99.98%

Products

99.99%

Standing Orders – AIS

99.99%

Standing Orders – PIS

99.98%

Statements

99.99%

Transactions

99.99%

RBS Availability by Endpoint Category:

August 2025
Account Requests – AIS

99.98%

Account Requests – CoF

99.98%

Accounts

99.98%

Balances

99.98%

Beneficiaries

99.98%

Direct Debits

99.98%

Payments – AIS

99.98%

Payments – CoF

99.98%

Payments – PIS

99.98%

payments-VRP

99.98%

Products

99.98%

Standing Orders – AIS

99.98%

Standing Orders – PIS

99.98%

Statements

99.98%

Transactions

99.98%

Santander UK plc Availability by Endpoint Category:

August 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – CoF

100.0%

Payments – PIS

99.71%

payments-VRP

99.71%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

99.71%

Statements

100.0%

Transactions

100.0%

UBN Availability by Endpoint Category:

August 2025
Account Requests – AIS

99.98%

Account Requests – CoF

99.98%

Accounts

99.98%

Balances

99.98%

Beneficiaries

99.98%

Direct Debits

99.98%

Payments – AIS

99.98%

Payments – CoF

99.98%

Payments – PIS

99.98%

payments-VRP

99.98%

Products

99.98%

Standing Orders – AIS

99.98%

Standing Orders – PIS

99.98%

Statements

100.0%

Transactions

99.98%

August 2025

Average API response times

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

Average API Response Time

342 milliseconds
August 2025

Average API response times by brand

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

August 2025

Response times by brand

Select an account provider

AIB (NI) Response times (milliseconds):

August 2025
Account Requests – AIS

148ms

Accounts

100ms

Balances

68ms

Beneficiaries

1,501ms

Direct Debits

1,010ms

Payments – AIS

35ms

Payments – CoF

136ms

Payments – PIS

96ms

payments-VRP

104ms

Products

398ms

Standing Orders – AIS

237ms

Standing Orders – PIS

93ms

Statements

38ms

Transactions

80ms

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

August 2025
Account Requests – AIS

118ms

Accounts

60ms

Balances

38ms

Payments – CoF

237ms

Payments – PIS

78ms

payments-VRP

69ms

Products

338ms

Standing Orders – AIS

212ms

Standing Orders – PIS

69ms

Transactions

48ms

Bank of Ireland UK Response times (milliseconds):

August 2025
Account Requests – AIS

165ms

Account Requests – CoF

710ms

Accounts

1,047ms

Balances

287ms

Beneficiaries

707ms

Payments – AIS

193ms

Payments – CoF

468ms

Payments – PIS

1,015ms

payments-VRP

1,194ms

Products

343ms

Standing Orders – AIS

192ms

Standing Orders – PIS

575ms

Statements

3,464ms

Transactions

310ms

Bank of Scotland Response times (milliseconds):

August 2025
Account Requests – AIS

269ms

Account Requests – CoF

286ms

Accounts

160ms

Balances

168ms

Beneficiaries

265ms

Direct Debits

248ms

Payments – AIS

229ms

Payments – CoF

236ms

Payments – PIS

491ms

payments-VRP

362ms

Products

436ms

Standing Orders – AIS

228ms

Standing Orders – PIS

454ms

Statements

393ms

Transactions

236ms

Barclays Response times (milliseconds):

August 2025
Account Requests – AIS

127ms

Account Requests – CoF

167ms

Accounts

201ms

Balances

202ms

Beneficiaries

257ms

Direct Debits

201ms

Payments – AIS

245ms

Payments – CoF

262ms

Payments – PIS

192ms

payments-VRP

249ms

Products

346ms

Standing Orders – AIS

205ms

Standing Orders – PIS

176ms

Statements

74ms

Transactions

256ms

Coutts Response times (milliseconds):

August 2025
Account Requests – AIS

893ms

Account Requests – CoF

2,071ms

Accounts

251ms

Balances

264ms

Beneficiaries

2,083ms

Direct Debits

1,545ms

Payments – CoF

360ms

Payments – PIS

880ms

Products

251ms

Standing Orders – AIS

228ms

Standing Orders – PIS

552ms

Transactions

292ms

Danske Bank Response times (milliseconds):

August 2025
Account Requests – AIS

50ms

Account Requests – CoF

2,080ms

Accounts

496ms

Balances

214ms

Beneficiaries

260ms

Direct Debits

363ms

Payments – AIS

289ms

Payments – CoF

104ms

Payments – PIS

114ms

payments-VRP

161ms

Products

157ms

Standing Orders – AIS

311ms

Standing Orders – PIS

98ms

Transactions

537ms

First Direct Response times (milliseconds):

August 2025
Account Requests – AIS

150ms

Account Requests – CoF

265ms

Accounts

282ms

Balances

281ms

Beneficiaries

411ms

Direct Debits

309ms

Payments – AIS

523ms

Payments – CoF

310ms

Payments – PIS

297ms

payments-VRP

361ms

Products

541ms

Standing Orders – AIS

527ms

Standing Orders – PIS

330ms

Statements

658ms

Transactions

446ms

Halifax Response times (milliseconds):

August 2025
Account Requests – AIS

270ms

Account Requests – CoF

282ms

Accounts

159ms

Balances

170ms

Beneficiaries

253ms

Direct Debits

247ms

Payments – AIS

229ms

Payments – CoF

236ms

Payments – PIS

525ms

payments-VRP

362ms

Products

428ms

Standing Orders – AIS

228ms

Standing Orders – PIS

499ms

Statements

388ms

Transactions

245ms

HSBC Business Response times (milliseconds):

August 2025
Account Requests – AIS

185ms

Account Requests – CoF

301ms

Accounts

362ms

Balances

348ms

Beneficiaries

321ms

Direct Debits

662ms

Payments – AIS

349ms

Payments – CoF

518ms

Payments – PIS

569ms

payments-VRP

615ms

Products

684ms

Standing Orders – AIS

479ms

Standing Orders – PIS

348ms

Statements

585ms

Transactions

423ms

HSBC Kinetic Response times (milliseconds):

August 2025
Account Requests – AIS

151ms

Account Requests – CoF

288ms

Accounts

394ms

Balances

377ms

Beneficiaries

737ms

Direct Debits

1,551ms

Payments – AIS

1,779ms

Payments – CoF

600ms

Payments – PIS

382ms

payments-VRP

435ms

Products

1,141ms

Standing Orders – AIS

1,185ms

Standing Orders – PIS

244ms

Statements

1,234ms

Transactions

562ms

HSBC Personal Response times (milliseconds):

August 2025
Account Requests – AIS

178ms

Account Requests – CoF

223ms

Accounts

278ms

Balances

270ms

Beneficiaries

404ms

Direct Debits

300ms

Payments – AIS

536ms

Payments – CoF

296ms

Payments – PIS

296ms

payments-VRP

462ms

Products

529ms

Standing Orders – AIS

564ms

Standing Orders – PIS

287ms

Statements

244ms

Transactions

433ms

Lloyds Response times (milliseconds):

August 2025
Account Requests – AIS

270ms

Account Requests – CoF

280ms

Accounts

159ms

Balances

167ms

Beneficiaries

256ms

Direct Debits

246ms

Payments – AIS

229ms

Payments – CoF

234ms

Payments – PIS

535ms

payments-VRP

360ms

Products

431ms

Standing Orders – AIS

228ms

Standing Orders – PIS

458ms

Statements

366ms

Transactions

234ms

MBNA Response times (milliseconds):

August 2025
Account Requests – AIS

271ms

Accounts

220ms

Balances

261ms

Beneficiaries

244ms

Direct Debits

183ms

Payments – AIS

183ms

Products

183ms

Standing Orders – AIS

185ms

Statements

333ms

Transactions

450ms

Mettle Response times (milliseconds):

August 2025
Account Requests – AIS

67ms

Accounts

94ms

Balances

85ms

Beneficiaries

50ms

Direct Debits

139ms

Payments – AIS

62ms

Payments – PIS

102ms

payments-VRP

162ms

Products

99ms

Standing Orders – AIS

7ms

Statements

512ms

Transactions

84ms

Nationwide Building Society Response times (milliseconds):

August 2025
Account Requests – AIS

147ms

Account Requests – CoF

239ms

Accounts

198ms

Balances

178ms

Beneficiaries

928ms

Direct Debits

566ms

Payments – AIS

258ms

Payments – CoF

239ms

Payments – PIS

323ms

payments-VRP

292ms

Products

189ms

Standing Orders – AIS

195ms

Standing Orders – PIS

336ms

Statements

346ms

Transactions

224ms

NWB Response times (milliseconds):

August 2025
Account Requests – AIS

146ms

Account Requests – CoF

336ms

Accounts

370ms

Balances

345ms

Beneficiaries

648ms

Direct Debits

232ms

Payments – AIS

256ms

Payments – CoF

197ms

Payments – PIS

327ms

payments-VRP

340ms

Products

274ms

Standing Orders – AIS

356ms

Standing Orders – PIS

292ms

Statements

182ms

Transactions

451ms

RBS Response times (milliseconds):

August 2025
Account Requests – AIS

166ms

Account Requests – CoF

389ms

Accounts

397ms

Balances

365ms

Beneficiaries

770ms

Direct Debits

252ms

Payments – AIS

286ms

Payments – CoF

242ms

Payments – PIS

377ms

payments-VRP

390ms

Products

277ms

Standing Orders – AIS

294ms

Standing Orders – PIS

352ms

Statements

203ms

Transactions

429ms

Santander UK plc Response times (milliseconds):

August 2025
Account Requests – AIS

295ms

Account Requests – CoF

372ms

Accounts

410ms

Balances

460ms

Beneficiaries

649ms

Direct Debits

520ms

Payments – CoF

401ms

Payments – PIS

434ms

payments-VRP

278ms

Products

399ms

Standing Orders – AIS

507ms

Standing Orders – PIS

726ms

Statements

459ms

Transactions

531ms

UBN Response times (milliseconds):

August 2025
Account Requests – AIS

170ms

Account Requests – CoF

478ms

Accounts

454ms

Balances

369ms

Beneficiaries

752ms

Direct Debits

273ms

Payments – AIS

275ms

Payments – CoF

294ms

Payments – PIS

387ms

payments-VRP

452ms

Products

294ms

Standing Orders – AIS

270ms

Standing Orders – PIS

368ms

Statements

204ms

Transactions

435ms

August 2025

Successful API calls

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

Successful API calls

Total calls 2,062,869,069 % of overall total calls 99.33%

AIS

Total calls 1,660,536,185 % of overall total calls 79.96%

PIS

Total calls 129,084,518 % of overall total calls 6.22%
August 2025

Successful API calls by brand

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

August 2025

Successful AIS calls by brand

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

August 2025

Successful PIS calls by brand

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

August 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 August.

August 2025

Failed API calls

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

Failed API Calls

Total calls 13,855,307 % of overall total calls 0.67%

Business

Total calls 10,493,342 % of overall total calls 0.51%

Technical

Total calls 3,361,965 % of overall total calls 0.16%

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.

August 2025

Failed API calls by brand

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

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.

August 2025

Failed business calls by brand

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

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.

August 2025

Failed technical calls by brand

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

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.

August 2025

Rejected API calls

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

Rejected API Calls

Total calls 2,675,936 % of overall total calls 0.129%

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.

August 2025

Rejected API calls by brand

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

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.