API Performance StatsSelect a month:January 2026December 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 User Connections All User Connections AIS User Connections PIS User Connections All User Connections 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 User Connections 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 User Connections 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 January key performance metrics99.88%Average API Availability325msAverage API Response Time99.55%Successful API Calls (%)99.99%Average API availability – weighted2404.3mSuccessful API Calls Actual0.45%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 January 2026 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Average API availability 99.88% Core hours (06:00-00:00) 99.92% Non core hours (00:00-06:00) 99.75% 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. January 2026 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 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: January 2026 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: January 2026 Account Requests – AIS 99.33% Account Requests – COF 99.33% Accounts 99.33% Balances 99.33% Beneficiaries 99.33% Payments – AIS 99.33% Payments – CoF 99.33% Payments – PIS 99.33% Payments – VRP 99.33% Products 99.33% Standing Orders – AIS 99.33% Standing Orders – PIS 99.33% Statements 99.33% Transactions 99.33% Bank of Scotland Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – 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% Danske Bank Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.96% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.98% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.96% First Direct Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.91% 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% HSBC Business Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.20% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: January 2026 Account Requests – AIS 99.99% Account Requests – COF 100.00% Accounts 100.00% Balances 99.87% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% MBNA Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.67% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: January 2026 Account Requests – AIS 99.93% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.93% Payments – PIS 99.93% Payments – VRP 99.93% Products 99.93% Standing Orders – AIS 99.93% Statements 100.00% Transactions 99.93% Nationwide Building Society Availability by Endpoint Category: January 2026 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% NWB Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.98% Balances 99.98% Beneficiaries 99.98% Direct Debits 99.98% Payments – AIS 99.99% Payments – CoF 99.97% Payments – PIS 99.97% Payments – VRP 99.97% Products 99.98% Standing Orders – AIS 99.98% Standing Orders – PIS 99.97% Statements 99.98% Transactions 99.98% RBS Availability by Endpoint Category: January 2026 Account Requests – AIS 99.96% Account Requests – COF 100.00% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.96% Payments – PIS 99.96% Payments – VRP 99.96% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.97% Transactions 99.96% Santander UK plc Availability by Endpoint Category: January 2026 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 100.00% 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% UBN Availability by Endpoint Category: January 2026 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 100.00% Payments – CoF 99.94% Payments – PIS 99.94% Payments – VRP 99.94% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.94% Statements 100.00% Transactions 99.95% 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 January 2026 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Average weighted API availability 99.99% Core hours (06:00-00:00) 99.99% Non core hours (00:00-06:00) 99.98% January 2026 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 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: January 2026 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: January 2026 Account Requests – AIS 99.94% Account Requests – COF 85.29% Accounts 99.95% Balances 99.95% Beneficiaries 97.29% Payments – AIS 97.93% Payments – CoF 99.67% Payments – PIS 99.98% Payments – VRP 98.58% Products 99.49% Standing Orders – AIS 98.45% Standing Orders – PIS 99.96% Statements 97.80% Transactions 99.93% Bank of Scotland Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% 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 100.00% Barclays Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – 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% Danske Bank Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.97% Balances 99.97% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.99% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.97% First Direct Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.90% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.81% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.86% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 99.67% Beneficiaries 100.00% Direct Debits 100.00% Payments – PIS 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: January 2026 Account Requests – AIS 99.92% Accounts 99.92% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.96% Payments – AIS 99.92% Payments – PIS 99.91% Payments – VRP 99.93% Products 99.92% Standing Orders – AIS 99.98% Statements 100.00% Transactions 99.92% Nationwide Building Society Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% 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 100.00% NWB Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.98% Balances 99.98% Beneficiaries 99.97% 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 99.99% Transactions 99.98% RBS Availability by Endpoint Category: January 2026 Account Requests – AIS 99.96% Account Requests – COF 100.00% Accounts 99.96% Balances 99.96% Beneficiaries 99.95% Direct Debits 99.96% Payments – AIS 99.96% Payments – CoF 99.97% Payments – PIS 99.97% Payments – VRP 99.98% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.99% Transactions 99.96% Santander UK plc Availability by Endpoint Category: January 2026 Account Requests – AIS 99.99% Account Requests – COF 100.00% Accounts 100.00% Balances 99.99% Beneficiaries 100.00% Direct Debits 99.99% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.98% Standing Orders – AIS 99.99% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% UBN Availability by Endpoint Category: January 2026 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.92% Direct Debits 99.96% Payments – AIS 100.00% Payments – CoF 99.96% Payments – PIS 99.95% Payments – VRP 99.97% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.94% Statements 100.00% Transactions 99.95% Average API response times Average API response times by brand Response times by brand January 2026 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Average API Response Time 325 milliseconds January 2026 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): January 2026 Account Requests – AIS 192ms Accounts 145ms Balances 115ms Beneficiaries 4,399ms Direct Debits 1,166ms Payments – AIS 88ms Payments – CoF 160ms Payments – PIS 162ms Payments – VRP 145ms Products 468ms Standing Orders – AIS 314ms Standing Orders – PIS 242ms Transactions 126ms AIB Group (UK) p.l.c. Response times (milliseconds): January 2026 Account Requests – AIS 114ms Accounts 59ms Balances 38ms Payments – AIS 10ms Payments – CoF 120ms Payments – PIS 86ms Payments – VRP 148ms Products 510ms Standing Orders – AIS 116ms Standing Orders – PIS 74ms Transactions 46ms Bank of Ireland UK Response times (milliseconds): January 2026 Account Requests – AIS 168ms Account Requests – COF 139ms Accounts 288ms Balances 286ms Beneficiaries 903ms Payments – AIS 455ms Payments – CoF 495ms Payments – PIS 713ms Payments – VRP 861ms Products 771ms Standing Orders – AIS 656ms Standing Orders – PIS 580ms Statements 542ms Transactions 316ms Bank of Scotland Response times (milliseconds): January 2026 Account Requests – AIS 198ms Account Requests – COF 274ms Accounts 125ms Balances 140ms Beneficiaries 227ms Direct Debits 213ms Payments – AIS 238ms Payments – CoF 209ms Payments – PIS 353ms Payments – VRP 329ms Products 407ms Standing Orders – AIS 192ms Standing Orders – PIS 462ms Statements 365ms Transactions 233ms Barclays Response times (milliseconds): January 2026 Account Requests – AIS 128ms Account Requests – COF 202ms Accounts 218ms Balances 213ms Beneficiaries 251ms Direct Debits 212ms Payments – AIS 249ms Payments – CoF 273ms Payments – PIS 179ms Payments – VRP 263ms Products 345ms Standing Orders – AIS 218ms Standing Orders – PIS 157ms Statements 147ms Transactions 256ms Coutts Response times (milliseconds): January 2026 Account Requests – AIS 1,043ms Account Requests – COF 1,506ms Accounts 253ms Balances 263ms Beneficiaries 1,482ms Direct Debits 1,532ms Payments – CoF 367ms Payments – PIS 801ms Payments – VRP 1,532ms Products 253ms Standing Orders – AIS 232ms Standing Orders – PIS 687ms Statements 173ms Transactions 327ms Danske Bank Response times (milliseconds): January 2026 Account Requests – AIS 62ms Account Requests – COF 648ms Accounts 697ms Balances 212ms Beneficiaries 242ms Direct Debits 403ms Payments – AIS 309ms Payments – CoF 125ms Payments – PIS 105ms Payments – VRP 738ms Products 157ms Standing Orders – AIS 371ms Standing Orders – PIS 73ms Transactions 686ms First Direct Response times (milliseconds): January 2026 Account Requests – AIS 151ms Account Requests – COF 316ms Accounts 336ms Balances 358ms Beneficiaries 611ms Direct Debits 554ms Payments – AIS 824ms Payments – CoF 451ms Payments – PIS 296ms Payments – VRP 354ms Products 637ms Standing Orders – AIS 515ms Standing Orders – PIS 364ms Statements 226ms Transactions 536ms Halifax Response times (milliseconds): January 2026 Account Requests – AIS 206ms Account Requests – COF 252ms Accounts 125ms Balances 141ms Beneficiaries 226ms Direct Debits 213ms Payments – AIS 215ms Payments – CoF 209ms Payments – PIS 348ms Payments – VRP 327ms Products 406ms Standing Orders – AIS 192ms Standing Orders – PIS 530ms Statements 357ms Transactions 242ms HSBC Business Response times (milliseconds): January 2026 Account Requests – AIS 191ms Account Requests – COF 308ms Accounts 330ms Balances 316ms Beneficiaries 404ms Direct Debits 514ms Payments – AIS 182ms Payments – CoF 455ms Payments – PIS 487ms Payments – VRP 458ms Products 676ms Standing Orders – AIS 236ms Standing Orders – PIS 406ms Statements 1,135ms Transactions 399ms HSBC Kinetic Response times (milliseconds): January 2026 Account Requests – AIS 157ms Account Requests – COF 293ms Accounts 408ms Balances 402ms Beneficiaries 660ms Direct Debits 1,154ms Payments – AIS 1,156ms Payments – CoF 558ms Payments – PIS 343ms Payments – VRP 446ms Products 1,372ms Standing Orders – AIS 1,233ms Standing Orders – PIS 263ms Statements 2,568ms Transactions 609ms HSBC Personal Response times (milliseconds): January 2026 Account Requests – AIS 172ms Account Requests – COF 307ms Accounts 357ms Balances 382ms Beneficiaries 599ms Direct Debits 582ms Payments – AIS 902ms Payments – CoF 471ms Payments – PIS 292ms Payments – VRP 351ms Products 651ms Standing Orders – AIS 591ms Standing Orders – PIS 298ms Statements 83ms Transactions 571ms Lloyds Response times (milliseconds): January 2026 Account Requests – AIS 208ms Account Requests – COF 252ms Accounts 125ms Balances 139ms Beneficiaries 223ms Direct Debits 213ms Payments – AIS 223ms Payments – CoF 207ms Payments – PIS 347ms Payments – VRP 326ms Products 405ms Standing Orders – AIS 191ms Standing Orders – PIS 513ms Statements 355ms Transactions 227ms MBNA Response times (milliseconds): January 2026 Account Requests – AIS 211ms Accounts 124ms Balances 238ms Beneficiaries 224ms Direct Debits 143ms Payments – PIS 217ms Products 147ms Standing Orders – AIS 155ms Statements 312ms Transactions 440ms Mettle Response times (milliseconds): January 2026 Account Requests – AIS 76ms Accounts 97ms Balances 68ms Beneficiaries 51ms Direct Debits 128ms Payments – AIS 59ms Payments – PIS 161ms Payments – VRP 141ms Products 95ms Standing Orders – AIS 11ms Statements 708ms Transactions 88ms Nationwide Building Society Response times (milliseconds): January 2026 Account Requests – AIS 153ms Account Requests – COF 265ms Accounts 245ms Balances 203ms Beneficiaries 371ms Direct Debits 598ms Payments – AIS 209ms Payments – CoF 254ms Payments – PIS 320ms Payments – VRP 311ms Products 206ms Standing Orders – AIS 215ms Standing Orders – PIS 359ms Statements 393ms Transactions 229ms NWB Response times (milliseconds): January 2026 Account Requests – AIS 163ms Account Requests – COF 382ms Accounts 468ms Balances 444ms Beneficiaries 784ms Direct Debits 255ms Payments – AIS 246ms Payments – CoF 259ms Payments – PIS 351ms Payments – VRP 320ms Products 299ms Standing Orders – AIS 371ms Standing Orders – PIS 283ms Statements 205ms Transactions 538ms RBS Response times (milliseconds): January 2026 Account Requests – AIS 163ms Account Requests – COF 421ms Accounts 449ms Balances 434ms Beneficiaries 838ms Direct Debits 268ms Payments – AIS 282ms Payments – CoF 274ms Payments – PIS 410ms Payments – VRP 354ms Products 287ms Standing Orders – AIS 348ms Standing Orders – PIS 288ms Statements 199ms Transactions 489ms Santander UK plc Response times (milliseconds): January 2026 Account Requests – AIS 228ms Account Requests – COF 320ms Accounts 335ms Balances 382ms Beneficiaries 572ms Direct Debits 469ms Payments – CoF 347ms Payments – PIS 261ms Payments – VRP 235ms Products 335ms Standing Orders – AIS 459ms Standing Orders – PIS 260ms Statements 476ms Transactions 460ms UBN Response times (milliseconds): January 2026 Account Requests – AIS 169ms Account Requests – COF 547ms Accounts 437ms Balances 374ms Beneficiaries 916ms Direct Debits 287ms Payments – AIS 260ms Payments – CoF 291ms Payments – PIS 416ms Payments – VRP 402ms Products 301ms Standing Orders – AIS 316ms Standing Orders – PIS 220ms Statements 188ms Transactions 452ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand January 2026 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Successful API calls Total calls 2404347073 % of overall total calls 99.55% AIS Total calls 1920178433 % of overall total calls 99.48% PIS Total calls 157117066 % of overall total calls 99.79% January 2026 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand January 2026 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Failed API Calls Total calls 10,906,926 % of overall total calls 0.45% Business Total calls 9,287,640 % of overall total calls 0.38% Technical Total calls 1,619,286 % 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. January 2026 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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 January 2026 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Rejected API Calls Total calls 2,768,633 % of overall total calls 0.115% 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. January 2026 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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:January 2026December 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 User Connections All User Connections AIS User Connections PIS User Connections All User Connections 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 User Connections 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 User Connections 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 User Connections 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 User Connections 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 User Connections 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
January key performance metrics99.88%Average API Availability325msAverage API Response Time99.55%Successful API Calls (%)99.99%Average API availability – weighted2404.3mSuccessful API Calls Actual0.45%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 January 2026 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Average API availability 99.88% Core hours (06:00-00:00) 99.92% Non core hours (00:00-06:00) 99.75% 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. January 2026 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 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: January 2026 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: January 2026 Account Requests – AIS 99.33% Account Requests – COF 99.33% Accounts 99.33% Balances 99.33% Beneficiaries 99.33% Payments – AIS 99.33% Payments – CoF 99.33% Payments – PIS 99.33% Payments – VRP 99.33% Products 99.33% Standing Orders – AIS 99.33% Standing Orders – PIS 99.33% Statements 99.33% Transactions 99.33% Bank of Scotland Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – 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% Danske Bank Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.96% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.98% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.96% First Direct Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.91% 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% HSBC Business Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.20% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: January 2026 Account Requests – AIS 99.99% Account Requests – COF 100.00% Accounts 100.00% Balances 99.87% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% MBNA Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.67% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: January 2026 Account Requests – AIS 99.93% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.93% Payments – PIS 99.93% Payments – VRP 99.93% Products 99.93% Standing Orders – AIS 99.93% Statements 100.00% Transactions 99.93% Nationwide Building Society Availability by Endpoint Category: January 2026 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% NWB Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.98% Balances 99.98% Beneficiaries 99.98% Direct Debits 99.98% Payments – AIS 99.99% Payments – CoF 99.97% Payments – PIS 99.97% Payments – VRP 99.97% Products 99.98% Standing Orders – AIS 99.98% Standing Orders – PIS 99.97% Statements 99.98% Transactions 99.98% RBS Availability by Endpoint Category: January 2026 Account Requests – AIS 99.96% Account Requests – COF 100.00% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.96% Payments – PIS 99.96% Payments – VRP 99.96% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.97% Transactions 99.96% Santander UK plc Availability by Endpoint Category: January 2026 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 100.00% 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% UBN Availability by Endpoint Category: January 2026 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 100.00% Payments – CoF 99.94% Payments – PIS 99.94% Payments – VRP 99.94% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.94% Statements 100.00% Transactions 99.95% 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 January 2026 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Average weighted API availability 99.99% Core hours (06:00-00:00) 99.99% Non core hours (00:00-06:00) 99.98% January 2026 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 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: January 2026 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: January 2026 Account Requests – AIS 99.94% Account Requests – COF 85.29% Accounts 99.95% Balances 99.95% Beneficiaries 97.29% Payments – AIS 97.93% Payments – CoF 99.67% Payments – PIS 99.98% Payments – VRP 98.58% Products 99.49% Standing Orders – AIS 98.45% Standing Orders – PIS 99.96% Statements 97.80% Transactions 99.93% Bank of Scotland Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% 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 100.00% Barclays Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – 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% Danske Bank Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.97% Balances 99.97% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.99% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.97% First Direct Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.90% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.81% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.86% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 99.67% Beneficiaries 100.00% Direct Debits 100.00% Payments – PIS 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: January 2026 Account Requests – AIS 99.92% Accounts 99.92% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.96% Payments – AIS 99.92% Payments – PIS 99.91% Payments – VRP 99.93% Products 99.92% Standing Orders – AIS 99.98% Statements 100.00% Transactions 99.92% Nationwide Building Society Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% 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 100.00% NWB Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.98% Balances 99.98% Beneficiaries 99.97% 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 99.99% Transactions 99.98% RBS Availability by Endpoint Category: January 2026 Account Requests – AIS 99.96% Account Requests – COF 100.00% Accounts 99.96% Balances 99.96% Beneficiaries 99.95% Direct Debits 99.96% Payments – AIS 99.96% Payments – CoF 99.97% Payments – PIS 99.97% Payments – VRP 99.98% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.99% Transactions 99.96% Santander UK plc Availability by Endpoint Category: January 2026 Account Requests – AIS 99.99% Account Requests – COF 100.00% Accounts 100.00% Balances 99.99% Beneficiaries 100.00% Direct Debits 99.99% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.98% Standing Orders – AIS 99.99% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% UBN Availability by Endpoint Category: January 2026 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.92% Direct Debits 99.96% Payments – AIS 100.00% Payments – CoF 99.96% Payments – PIS 99.95% Payments – VRP 99.97% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.94% Statements 100.00% Transactions 99.95% Average API response times Average API response times by brand Response times by brand January 2026 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Average API Response Time 325 milliseconds January 2026 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): January 2026 Account Requests – AIS 192ms Accounts 145ms Balances 115ms Beneficiaries 4,399ms Direct Debits 1,166ms Payments – AIS 88ms Payments – CoF 160ms Payments – PIS 162ms Payments – VRP 145ms Products 468ms Standing Orders – AIS 314ms Standing Orders – PIS 242ms Transactions 126ms AIB Group (UK) p.l.c. Response times (milliseconds): January 2026 Account Requests – AIS 114ms Accounts 59ms Balances 38ms Payments – AIS 10ms Payments – CoF 120ms Payments – PIS 86ms Payments – VRP 148ms Products 510ms Standing Orders – AIS 116ms Standing Orders – PIS 74ms Transactions 46ms Bank of Ireland UK Response times (milliseconds): January 2026 Account Requests – AIS 168ms Account Requests – COF 139ms Accounts 288ms Balances 286ms Beneficiaries 903ms Payments – AIS 455ms Payments – CoF 495ms Payments – PIS 713ms Payments – VRP 861ms Products 771ms Standing Orders – AIS 656ms Standing Orders – PIS 580ms Statements 542ms Transactions 316ms Bank of Scotland Response times (milliseconds): January 2026 Account Requests – AIS 198ms Account Requests – COF 274ms Accounts 125ms Balances 140ms Beneficiaries 227ms Direct Debits 213ms Payments – AIS 238ms Payments – CoF 209ms Payments – PIS 353ms Payments – VRP 329ms Products 407ms Standing Orders – AIS 192ms Standing Orders – PIS 462ms Statements 365ms Transactions 233ms Barclays Response times (milliseconds): January 2026 Account Requests – AIS 128ms Account Requests – COF 202ms Accounts 218ms Balances 213ms Beneficiaries 251ms Direct Debits 212ms Payments – AIS 249ms Payments – CoF 273ms Payments – PIS 179ms Payments – VRP 263ms Products 345ms Standing Orders – AIS 218ms Standing Orders – PIS 157ms Statements 147ms Transactions 256ms Coutts Response times (milliseconds): January 2026 Account Requests – AIS 1,043ms Account Requests – COF 1,506ms Accounts 253ms Balances 263ms Beneficiaries 1,482ms Direct Debits 1,532ms Payments – CoF 367ms Payments – PIS 801ms Payments – VRP 1,532ms Products 253ms Standing Orders – AIS 232ms Standing Orders – PIS 687ms Statements 173ms Transactions 327ms Danske Bank Response times (milliseconds): January 2026 Account Requests – AIS 62ms Account Requests – COF 648ms Accounts 697ms Balances 212ms Beneficiaries 242ms Direct Debits 403ms Payments – AIS 309ms Payments – CoF 125ms Payments – PIS 105ms Payments – VRP 738ms Products 157ms Standing Orders – AIS 371ms Standing Orders – PIS 73ms Transactions 686ms First Direct Response times (milliseconds): January 2026 Account Requests – AIS 151ms Account Requests – COF 316ms Accounts 336ms Balances 358ms Beneficiaries 611ms Direct Debits 554ms Payments – AIS 824ms Payments – CoF 451ms Payments – PIS 296ms Payments – VRP 354ms Products 637ms Standing Orders – AIS 515ms Standing Orders – PIS 364ms Statements 226ms Transactions 536ms Halifax Response times (milliseconds): January 2026 Account Requests – AIS 206ms Account Requests – COF 252ms Accounts 125ms Balances 141ms Beneficiaries 226ms Direct Debits 213ms Payments – AIS 215ms Payments – CoF 209ms Payments – PIS 348ms Payments – VRP 327ms Products 406ms Standing Orders – AIS 192ms Standing Orders – PIS 530ms Statements 357ms Transactions 242ms HSBC Business Response times (milliseconds): January 2026 Account Requests – AIS 191ms Account Requests – COF 308ms Accounts 330ms Balances 316ms Beneficiaries 404ms Direct Debits 514ms Payments – AIS 182ms Payments – CoF 455ms Payments – PIS 487ms Payments – VRP 458ms Products 676ms Standing Orders – AIS 236ms Standing Orders – PIS 406ms Statements 1,135ms Transactions 399ms HSBC Kinetic Response times (milliseconds): January 2026 Account Requests – AIS 157ms Account Requests – COF 293ms Accounts 408ms Balances 402ms Beneficiaries 660ms Direct Debits 1,154ms Payments – AIS 1,156ms Payments – CoF 558ms Payments – PIS 343ms Payments – VRP 446ms Products 1,372ms Standing Orders – AIS 1,233ms Standing Orders – PIS 263ms Statements 2,568ms Transactions 609ms HSBC Personal Response times (milliseconds): January 2026 Account Requests – AIS 172ms Account Requests – COF 307ms Accounts 357ms Balances 382ms Beneficiaries 599ms Direct Debits 582ms Payments – AIS 902ms Payments – CoF 471ms Payments – PIS 292ms Payments – VRP 351ms Products 651ms Standing Orders – AIS 591ms Standing Orders – PIS 298ms Statements 83ms Transactions 571ms Lloyds Response times (milliseconds): January 2026 Account Requests – AIS 208ms Account Requests – COF 252ms Accounts 125ms Balances 139ms Beneficiaries 223ms Direct Debits 213ms Payments – AIS 223ms Payments – CoF 207ms Payments – PIS 347ms Payments – VRP 326ms Products 405ms Standing Orders – AIS 191ms Standing Orders – PIS 513ms Statements 355ms Transactions 227ms MBNA Response times (milliseconds): January 2026 Account Requests – AIS 211ms Accounts 124ms Balances 238ms Beneficiaries 224ms Direct Debits 143ms Payments – PIS 217ms Products 147ms Standing Orders – AIS 155ms Statements 312ms Transactions 440ms Mettle Response times (milliseconds): January 2026 Account Requests – AIS 76ms Accounts 97ms Balances 68ms Beneficiaries 51ms Direct Debits 128ms Payments – AIS 59ms Payments – PIS 161ms Payments – VRP 141ms Products 95ms Standing Orders – AIS 11ms Statements 708ms Transactions 88ms Nationwide Building Society Response times (milliseconds): January 2026 Account Requests – AIS 153ms Account Requests – COF 265ms Accounts 245ms Balances 203ms Beneficiaries 371ms Direct Debits 598ms Payments – AIS 209ms Payments – CoF 254ms Payments – PIS 320ms Payments – VRP 311ms Products 206ms Standing Orders – AIS 215ms Standing Orders – PIS 359ms Statements 393ms Transactions 229ms NWB Response times (milliseconds): January 2026 Account Requests – AIS 163ms Account Requests – COF 382ms Accounts 468ms Balances 444ms Beneficiaries 784ms Direct Debits 255ms Payments – AIS 246ms Payments – CoF 259ms Payments – PIS 351ms Payments – VRP 320ms Products 299ms Standing Orders – AIS 371ms Standing Orders – PIS 283ms Statements 205ms Transactions 538ms RBS Response times (milliseconds): January 2026 Account Requests – AIS 163ms Account Requests – COF 421ms Accounts 449ms Balances 434ms Beneficiaries 838ms Direct Debits 268ms Payments – AIS 282ms Payments – CoF 274ms Payments – PIS 410ms Payments – VRP 354ms Products 287ms Standing Orders – AIS 348ms Standing Orders – PIS 288ms Statements 199ms Transactions 489ms Santander UK plc Response times (milliseconds): January 2026 Account Requests – AIS 228ms Account Requests – COF 320ms Accounts 335ms Balances 382ms Beneficiaries 572ms Direct Debits 469ms Payments – CoF 347ms Payments – PIS 261ms Payments – VRP 235ms Products 335ms Standing Orders – AIS 459ms Standing Orders – PIS 260ms Statements 476ms Transactions 460ms UBN Response times (milliseconds): January 2026 Account Requests – AIS 169ms Account Requests – COF 547ms Accounts 437ms Balances 374ms Beneficiaries 916ms Direct Debits 287ms Payments – AIS 260ms Payments – CoF 291ms Payments – PIS 416ms Payments – VRP 402ms Products 301ms Standing Orders – AIS 316ms Standing Orders – PIS 220ms Statements 188ms Transactions 452ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand January 2026 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Successful API calls Total calls 2404347073 % of overall total calls 99.55% AIS Total calls 1920178433 % of overall total calls 99.48% PIS Total calls 157117066 % of overall total calls 99.79% January 2026 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand January 2026 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Failed API Calls Total calls 10,906,926 % of overall total calls 0.45% Business Total calls 9,287,640 % of overall total calls 0.38% Technical Total calls 1,619,286 % 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. January 2026 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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 January 2026 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Rejected API Calls Total calls 2,768,633 % of overall total calls 0.115% 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. January 2026 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted January 2026 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Average API availability 99.88% Core hours (06:00-00:00) 99.92% Non core hours (00:00-06:00) 99.75% 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. January 2026 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 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: January 2026 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: January 2026 Account Requests – AIS 99.33% Account Requests – COF 99.33% Accounts 99.33% Balances 99.33% Beneficiaries 99.33% Payments – AIS 99.33% Payments – CoF 99.33% Payments – PIS 99.33% Payments – VRP 99.33% Products 99.33% Standing Orders – AIS 99.33% Standing Orders – PIS 99.33% Statements 99.33% Transactions 99.33% Bank of Scotland Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – 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% Danske Bank Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.96% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.98% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.96% First Direct Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.91% 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% HSBC Business Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.20% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: January 2026 Account Requests – AIS 99.99% Account Requests – COF 100.00% Accounts 100.00% Balances 99.87% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% MBNA Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.67% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: January 2026 Account Requests – AIS 99.93% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.93% Payments – PIS 99.93% Payments – VRP 99.93% Products 99.93% Standing Orders – AIS 99.93% Statements 100.00% Transactions 99.93% Nationwide Building Society Availability by Endpoint Category: January 2026 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% NWB Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.98% Balances 99.98% Beneficiaries 99.98% Direct Debits 99.98% Payments – AIS 99.99% Payments – CoF 99.97% Payments – PIS 99.97% Payments – VRP 99.97% Products 99.98% Standing Orders – AIS 99.98% Standing Orders – PIS 99.97% Statements 99.98% Transactions 99.98% RBS Availability by Endpoint Category: January 2026 Account Requests – AIS 99.96% Account Requests – COF 100.00% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.96% Payments – PIS 99.96% Payments – VRP 99.96% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.97% Transactions 99.96% Santander UK plc Availability by Endpoint Category: January 2026 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 100.00% 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% UBN Availability by Endpoint Category: January 2026 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 100.00% Payments – CoF 99.94% Payments – PIS 99.94% Payments – VRP 99.94% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.94% Statements 100.00% Transactions 99.95%
January 2026 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Average API availability 99.88% Core hours (06:00-00:00) 99.92% Non core hours (00:00-06:00) 99.75% 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.
January 2026 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2026 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2026 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2026 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2026 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2026 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 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: January 2026 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: January 2026 Account Requests – AIS 99.33% Account Requests – COF 99.33% Accounts 99.33% Balances 99.33% Beneficiaries 99.33% Payments – AIS 99.33% Payments – CoF 99.33% Payments – PIS 99.33% Payments – VRP 99.33% Products 99.33% Standing Orders – AIS 99.33% Standing Orders – PIS 99.33% Statements 99.33% Transactions 99.33% Bank of Scotland Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.98% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – 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% Danske Bank Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.96% Balances 99.96% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.98% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.96% First Direct Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.91% 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% HSBC Business Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.20% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: January 2026 Account Requests – AIS 99.99% Account Requests – COF 100.00% Accounts 100.00% Balances 99.87% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% MBNA Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.67% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: January 2026 Account Requests – AIS 99.93% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.93% Payments – PIS 99.93% Payments – VRP 99.93% Products 99.93% Standing Orders – AIS 99.93% Statements 100.00% Transactions 99.93% Nationwide Building Society Availability by Endpoint Category: January 2026 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% NWB Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.98% Balances 99.98% Beneficiaries 99.98% Direct Debits 99.98% Payments – AIS 99.99% Payments – CoF 99.97% Payments – PIS 99.97% Payments – VRP 99.97% Products 99.98% Standing Orders – AIS 99.98% Standing Orders – PIS 99.97% Statements 99.98% Transactions 99.98% RBS Availability by Endpoint Category: January 2026 Account Requests – AIS 99.96% Account Requests – COF 100.00% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.96% Payments – PIS 99.96% Payments – VRP 99.96% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.97% Transactions 99.96% Santander UK plc Availability by Endpoint Category: January 2026 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 100.00% 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% UBN Availability by Endpoint Category: January 2026 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 100.00% Payments – CoF 99.94% Payments – PIS 99.94% Payments – VRP 99.94% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.94% Statements 100.00% Transactions 99.95%
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 January 2026 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Average weighted API availability 99.99% Core hours (06:00-00:00) 99.99% Non core hours (00:00-06:00) 99.98% January 2026 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 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: January 2026 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: January 2026 Account Requests – AIS 99.94% Account Requests – COF 85.29% Accounts 99.95% Balances 99.95% Beneficiaries 97.29% Payments – AIS 97.93% Payments – CoF 99.67% Payments – PIS 99.98% Payments – VRP 98.58% Products 99.49% Standing Orders – AIS 98.45% Standing Orders – PIS 99.96% Statements 97.80% Transactions 99.93% Bank of Scotland Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% 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 100.00% Barclays Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – 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% Danske Bank Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.97% Balances 99.97% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.99% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.97% First Direct Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.90% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.81% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.86% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 99.67% Beneficiaries 100.00% Direct Debits 100.00% Payments – PIS 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: January 2026 Account Requests – AIS 99.92% Accounts 99.92% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.96% Payments – AIS 99.92% Payments – PIS 99.91% Payments – VRP 99.93% Products 99.92% Standing Orders – AIS 99.98% Statements 100.00% Transactions 99.92% Nationwide Building Society Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% 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 100.00% NWB Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.98% Balances 99.98% Beneficiaries 99.97% 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 99.99% Transactions 99.98% RBS Availability by Endpoint Category: January 2026 Account Requests – AIS 99.96% Account Requests – COF 100.00% Accounts 99.96% Balances 99.96% Beneficiaries 99.95% Direct Debits 99.96% Payments – AIS 99.96% Payments – CoF 99.97% Payments – PIS 99.97% Payments – VRP 99.98% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.99% Transactions 99.96% Santander UK plc Availability by Endpoint Category: January 2026 Account Requests – AIS 99.99% Account Requests – COF 100.00% Accounts 100.00% Balances 99.99% Beneficiaries 100.00% Direct Debits 99.99% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.98% Standing Orders – AIS 99.99% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% UBN Availability by Endpoint Category: January 2026 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.92% Direct Debits 99.96% Payments – AIS 100.00% Payments – CoF 99.96% Payments – PIS 99.95% Payments – VRP 99.97% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.94% Statements 100.00% Transactions 99.95%
January 2026 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Average weighted API availability 99.99% Core hours (06:00-00:00) 99.99% Non core hours (00:00-06:00) 99.98%
January 2026 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart
January 2026 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart
January 2026 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart
January 2026 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart
January 2026 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart
January 2026 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 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: January 2026 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: January 2026 Account Requests – AIS 99.94% Account Requests – COF 85.29% Accounts 99.95% Balances 99.95% Beneficiaries 97.29% Payments – AIS 97.93% Payments – CoF 99.67% Payments – PIS 99.98% Payments – VRP 98.58% Products 99.49% Standing Orders – AIS 98.45% Standing Orders – PIS 99.96% Statements 97.80% Transactions 99.93% Bank of Scotland Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% 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 100.00% Barclays Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – 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% Danske Bank Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.97% Balances 99.97% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.99% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.97% First Direct Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Halifax Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.90% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.98% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.81% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Lloyds Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.86% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 99.67% Beneficiaries 100.00% Direct Debits 100.00% Payments – PIS 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: January 2026 Account Requests – AIS 99.92% Accounts 99.92% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.96% Payments – AIS 99.92% Payments – PIS 99.91% Payments – VRP 99.93% Products 99.92% Standing Orders – AIS 99.98% Statements 100.00% Transactions 99.92% Nationwide Building Society Availability by Endpoint Category: January 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% 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 100.00% NWB Availability by Endpoint Category: January 2026 Account Requests – AIS 99.98% Account Requests – COF 100.00% Accounts 99.98% Balances 99.98% Beneficiaries 99.97% 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 99.99% Transactions 99.98% RBS Availability by Endpoint Category: January 2026 Account Requests – AIS 99.96% Account Requests – COF 100.00% Accounts 99.96% Balances 99.96% Beneficiaries 99.95% Direct Debits 99.96% Payments – AIS 99.96% Payments – CoF 99.97% Payments – PIS 99.97% Payments – VRP 99.98% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.99% Transactions 99.96% Santander UK plc Availability by Endpoint Category: January 2026 Account Requests – AIS 99.99% Account Requests – COF 100.00% Accounts 100.00% Balances 99.99% Beneficiaries 100.00% Direct Debits 99.99% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 99.98% Standing Orders – AIS 99.99% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.99% UBN Availability by Endpoint Category: January 2026 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.92% Direct Debits 99.96% Payments – AIS 100.00% Payments – CoF 99.96% Payments – PIS 99.95% Payments – VRP 99.97% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.94% Statements 100.00% Transactions 99.95%
Average API response times Average API response times by brand Response times by brand January 2026 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Average API Response Time 325 milliseconds January 2026 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): January 2026 Account Requests – AIS 192ms Accounts 145ms Balances 115ms Beneficiaries 4,399ms Direct Debits 1,166ms Payments – AIS 88ms Payments – CoF 160ms Payments – PIS 162ms Payments – VRP 145ms Products 468ms Standing Orders – AIS 314ms Standing Orders – PIS 242ms Transactions 126ms AIB Group (UK) p.l.c. Response times (milliseconds): January 2026 Account Requests – AIS 114ms Accounts 59ms Balances 38ms Payments – AIS 10ms Payments – CoF 120ms Payments – PIS 86ms Payments – VRP 148ms Products 510ms Standing Orders – AIS 116ms Standing Orders – PIS 74ms Transactions 46ms Bank of Ireland UK Response times (milliseconds): January 2026 Account Requests – AIS 168ms Account Requests – COF 139ms Accounts 288ms Balances 286ms Beneficiaries 903ms Payments – AIS 455ms Payments – CoF 495ms Payments – PIS 713ms Payments – VRP 861ms Products 771ms Standing Orders – AIS 656ms Standing Orders – PIS 580ms Statements 542ms Transactions 316ms Bank of Scotland Response times (milliseconds): January 2026 Account Requests – AIS 198ms Account Requests – COF 274ms Accounts 125ms Balances 140ms Beneficiaries 227ms Direct Debits 213ms Payments – AIS 238ms Payments – CoF 209ms Payments – PIS 353ms Payments – VRP 329ms Products 407ms Standing Orders – AIS 192ms Standing Orders – PIS 462ms Statements 365ms Transactions 233ms Barclays Response times (milliseconds): January 2026 Account Requests – AIS 128ms Account Requests – COF 202ms Accounts 218ms Balances 213ms Beneficiaries 251ms Direct Debits 212ms Payments – AIS 249ms Payments – CoF 273ms Payments – PIS 179ms Payments – VRP 263ms Products 345ms Standing Orders – AIS 218ms Standing Orders – PIS 157ms Statements 147ms Transactions 256ms Coutts Response times (milliseconds): January 2026 Account Requests – AIS 1,043ms Account Requests – COF 1,506ms Accounts 253ms Balances 263ms Beneficiaries 1,482ms Direct Debits 1,532ms Payments – CoF 367ms Payments – PIS 801ms Payments – VRP 1,532ms Products 253ms Standing Orders – AIS 232ms Standing Orders – PIS 687ms Statements 173ms Transactions 327ms Danske Bank Response times (milliseconds): January 2026 Account Requests – AIS 62ms Account Requests – COF 648ms Accounts 697ms Balances 212ms Beneficiaries 242ms Direct Debits 403ms Payments – AIS 309ms Payments – CoF 125ms Payments – PIS 105ms Payments – VRP 738ms Products 157ms Standing Orders – AIS 371ms Standing Orders – PIS 73ms Transactions 686ms First Direct Response times (milliseconds): January 2026 Account Requests – AIS 151ms Account Requests – COF 316ms Accounts 336ms Balances 358ms Beneficiaries 611ms Direct Debits 554ms Payments – AIS 824ms Payments – CoF 451ms Payments – PIS 296ms Payments – VRP 354ms Products 637ms Standing Orders – AIS 515ms Standing Orders – PIS 364ms Statements 226ms Transactions 536ms Halifax Response times (milliseconds): January 2026 Account Requests – AIS 206ms Account Requests – COF 252ms Accounts 125ms Balances 141ms Beneficiaries 226ms Direct Debits 213ms Payments – AIS 215ms Payments – CoF 209ms Payments – PIS 348ms Payments – VRP 327ms Products 406ms Standing Orders – AIS 192ms Standing Orders – PIS 530ms Statements 357ms Transactions 242ms HSBC Business Response times (milliseconds): January 2026 Account Requests – AIS 191ms Account Requests – COF 308ms Accounts 330ms Balances 316ms Beneficiaries 404ms Direct Debits 514ms Payments – AIS 182ms Payments – CoF 455ms Payments – PIS 487ms Payments – VRP 458ms Products 676ms Standing Orders – AIS 236ms Standing Orders – PIS 406ms Statements 1,135ms Transactions 399ms HSBC Kinetic Response times (milliseconds): January 2026 Account Requests – AIS 157ms Account Requests – COF 293ms Accounts 408ms Balances 402ms Beneficiaries 660ms Direct Debits 1,154ms Payments – AIS 1,156ms Payments – CoF 558ms Payments – PIS 343ms Payments – VRP 446ms Products 1,372ms Standing Orders – AIS 1,233ms Standing Orders – PIS 263ms Statements 2,568ms Transactions 609ms HSBC Personal Response times (milliseconds): January 2026 Account Requests – AIS 172ms Account Requests – COF 307ms Accounts 357ms Balances 382ms Beneficiaries 599ms Direct Debits 582ms Payments – AIS 902ms Payments – CoF 471ms Payments – PIS 292ms Payments – VRP 351ms Products 651ms Standing Orders – AIS 591ms Standing Orders – PIS 298ms Statements 83ms Transactions 571ms Lloyds Response times (milliseconds): January 2026 Account Requests – AIS 208ms Account Requests – COF 252ms Accounts 125ms Balances 139ms Beneficiaries 223ms Direct Debits 213ms Payments – AIS 223ms Payments – CoF 207ms Payments – PIS 347ms Payments – VRP 326ms Products 405ms Standing Orders – AIS 191ms Standing Orders – PIS 513ms Statements 355ms Transactions 227ms MBNA Response times (milliseconds): January 2026 Account Requests – AIS 211ms Accounts 124ms Balances 238ms Beneficiaries 224ms Direct Debits 143ms Payments – PIS 217ms Products 147ms Standing Orders – AIS 155ms Statements 312ms Transactions 440ms Mettle Response times (milliseconds): January 2026 Account Requests – AIS 76ms Accounts 97ms Balances 68ms Beneficiaries 51ms Direct Debits 128ms Payments – AIS 59ms Payments – PIS 161ms Payments – VRP 141ms Products 95ms Standing Orders – AIS 11ms Statements 708ms Transactions 88ms Nationwide Building Society Response times (milliseconds): January 2026 Account Requests – AIS 153ms Account Requests – COF 265ms Accounts 245ms Balances 203ms Beneficiaries 371ms Direct Debits 598ms Payments – AIS 209ms Payments – CoF 254ms Payments – PIS 320ms Payments – VRP 311ms Products 206ms Standing Orders – AIS 215ms Standing Orders – PIS 359ms Statements 393ms Transactions 229ms NWB Response times (milliseconds): January 2026 Account Requests – AIS 163ms Account Requests – COF 382ms Accounts 468ms Balances 444ms Beneficiaries 784ms Direct Debits 255ms Payments – AIS 246ms Payments – CoF 259ms Payments – PIS 351ms Payments – VRP 320ms Products 299ms Standing Orders – AIS 371ms Standing Orders – PIS 283ms Statements 205ms Transactions 538ms RBS Response times (milliseconds): January 2026 Account Requests – AIS 163ms Account Requests – COF 421ms Accounts 449ms Balances 434ms Beneficiaries 838ms Direct Debits 268ms Payments – AIS 282ms Payments – CoF 274ms Payments – PIS 410ms Payments – VRP 354ms Products 287ms Standing Orders – AIS 348ms Standing Orders – PIS 288ms Statements 199ms Transactions 489ms Santander UK plc Response times (milliseconds): January 2026 Account Requests – AIS 228ms Account Requests – COF 320ms Accounts 335ms Balances 382ms Beneficiaries 572ms Direct Debits 469ms Payments – CoF 347ms Payments – PIS 261ms Payments – VRP 235ms Products 335ms Standing Orders – AIS 459ms Standing Orders – PIS 260ms Statements 476ms Transactions 460ms UBN Response times (milliseconds): January 2026 Account Requests – AIS 169ms Account Requests – COF 547ms Accounts 437ms Balances 374ms Beneficiaries 916ms Direct Debits 287ms Payments – AIS 260ms Payments – CoF 291ms Payments – PIS 416ms Payments – VRP 402ms Products 301ms Standing Orders – AIS 316ms Standing Orders – PIS 220ms Statements 188ms Transactions 452ms
January 2026 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Average API Response Time 325 milliseconds
January 2026 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. Download chart
January 2026 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): January 2026 Account Requests – AIS 192ms Accounts 145ms Balances 115ms Beneficiaries 4,399ms Direct Debits 1,166ms Payments – AIS 88ms Payments – CoF 160ms Payments – PIS 162ms Payments – VRP 145ms Products 468ms Standing Orders – AIS 314ms Standing Orders – PIS 242ms Transactions 126ms AIB Group (UK) p.l.c. Response times (milliseconds): January 2026 Account Requests – AIS 114ms Accounts 59ms Balances 38ms Payments – AIS 10ms Payments – CoF 120ms Payments – PIS 86ms Payments – VRP 148ms Products 510ms Standing Orders – AIS 116ms Standing Orders – PIS 74ms Transactions 46ms Bank of Ireland UK Response times (milliseconds): January 2026 Account Requests – AIS 168ms Account Requests – COF 139ms Accounts 288ms Balances 286ms Beneficiaries 903ms Payments – AIS 455ms Payments – CoF 495ms Payments – PIS 713ms Payments – VRP 861ms Products 771ms Standing Orders – AIS 656ms Standing Orders – PIS 580ms Statements 542ms Transactions 316ms Bank of Scotland Response times (milliseconds): January 2026 Account Requests – AIS 198ms Account Requests – COF 274ms Accounts 125ms Balances 140ms Beneficiaries 227ms Direct Debits 213ms Payments – AIS 238ms Payments – CoF 209ms Payments – PIS 353ms Payments – VRP 329ms Products 407ms Standing Orders – AIS 192ms Standing Orders – PIS 462ms Statements 365ms Transactions 233ms Barclays Response times (milliseconds): January 2026 Account Requests – AIS 128ms Account Requests – COF 202ms Accounts 218ms Balances 213ms Beneficiaries 251ms Direct Debits 212ms Payments – AIS 249ms Payments – CoF 273ms Payments – PIS 179ms Payments – VRP 263ms Products 345ms Standing Orders – AIS 218ms Standing Orders – PIS 157ms Statements 147ms Transactions 256ms Coutts Response times (milliseconds): January 2026 Account Requests – AIS 1,043ms Account Requests – COF 1,506ms Accounts 253ms Balances 263ms Beneficiaries 1,482ms Direct Debits 1,532ms Payments – CoF 367ms Payments – PIS 801ms Payments – VRP 1,532ms Products 253ms Standing Orders – AIS 232ms Standing Orders – PIS 687ms Statements 173ms Transactions 327ms Danske Bank Response times (milliseconds): January 2026 Account Requests – AIS 62ms Account Requests – COF 648ms Accounts 697ms Balances 212ms Beneficiaries 242ms Direct Debits 403ms Payments – AIS 309ms Payments – CoF 125ms Payments – PIS 105ms Payments – VRP 738ms Products 157ms Standing Orders – AIS 371ms Standing Orders – PIS 73ms Transactions 686ms First Direct Response times (milliseconds): January 2026 Account Requests – AIS 151ms Account Requests – COF 316ms Accounts 336ms Balances 358ms Beneficiaries 611ms Direct Debits 554ms Payments – AIS 824ms Payments – CoF 451ms Payments – PIS 296ms Payments – VRP 354ms Products 637ms Standing Orders – AIS 515ms Standing Orders – PIS 364ms Statements 226ms Transactions 536ms Halifax Response times (milliseconds): January 2026 Account Requests – AIS 206ms Account Requests – COF 252ms Accounts 125ms Balances 141ms Beneficiaries 226ms Direct Debits 213ms Payments – AIS 215ms Payments – CoF 209ms Payments – PIS 348ms Payments – VRP 327ms Products 406ms Standing Orders – AIS 192ms Standing Orders – PIS 530ms Statements 357ms Transactions 242ms HSBC Business Response times (milliseconds): January 2026 Account Requests – AIS 191ms Account Requests – COF 308ms Accounts 330ms Balances 316ms Beneficiaries 404ms Direct Debits 514ms Payments – AIS 182ms Payments – CoF 455ms Payments – PIS 487ms Payments – VRP 458ms Products 676ms Standing Orders – AIS 236ms Standing Orders – PIS 406ms Statements 1,135ms Transactions 399ms HSBC Kinetic Response times (milliseconds): January 2026 Account Requests – AIS 157ms Account Requests – COF 293ms Accounts 408ms Balances 402ms Beneficiaries 660ms Direct Debits 1,154ms Payments – AIS 1,156ms Payments – CoF 558ms Payments – PIS 343ms Payments – VRP 446ms Products 1,372ms Standing Orders – AIS 1,233ms Standing Orders – PIS 263ms Statements 2,568ms Transactions 609ms HSBC Personal Response times (milliseconds): January 2026 Account Requests – AIS 172ms Account Requests – COF 307ms Accounts 357ms Balances 382ms Beneficiaries 599ms Direct Debits 582ms Payments – AIS 902ms Payments – CoF 471ms Payments – PIS 292ms Payments – VRP 351ms Products 651ms Standing Orders – AIS 591ms Standing Orders – PIS 298ms Statements 83ms Transactions 571ms Lloyds Response times (milliseconds): January 2026 Account Requests – AIS 208ms Account Requests – COF 252ms Accounts 125ms Balances 139ms Beneficiaries 223ms Direct Debits 213ms Payments – AIS 223ms Payments – CoF 207ms Payments – PIS 347ms Payments – VRP 326ms Products 405ms Standing Orders – AIS 191ms Standing Orders – PIS 513ms Statements 355ms Transactions 227ms MBNA Response times (milliseconds): January 2026 Account Requests – AIS 211ms Accounts 124ms Balances 238ms Beneficiaries 224ms Direct Debits 143ms Payments – PIS 217ms Products 147ms Standing Orders – AIS 155ms Statements 312ms Transactions 440ms Mettle Response times (milliseconds): January 2026 Account Requests – AIS 76ms Accounts 97ms Balances 68ms Beneficiaries 51ms Direct Debits 128ms Payments – AIS 59ms Payments – PIS 161ms Payments – VRP 141ms Products 95ms Standing Orders – AIS 11ms Statements 708ms Transactions 88ms Nationwide Building Society Response times (milliseconds): January 2026 Account Requests – AIS 153ms Account Requests – COF 265ms Accounts 245ms Balances 203ms Beneficiaries 371ms Direct Debits 598ms Payments – AIS 209ms Payments – CoF 254ms Payments – PIS 320ms Payments – VRP 311ms Products 206ms Standing Orders – AIS 215ms Standing Orders – PIS 359ms Statements 393ms Transactions 229ms NWB Response times (milliseconds): January 2026 Account Requests – AIS 163ms Account Requests – COF 382ms Accounts 468ms Balances 444ms Beneficiaries 784ms Direct Debits 255ms Payments – AIS 246ms Payments – CoF 259ms Payments – PIS 351ms Payments – VRP 320ms Products 299ms Standing Orders – AIS 371ms Standing Orders – PIS 283ms Statements 205ms Transactions 538ms RBS Response times (milliseconds): January 2026 Account Requests – AIS 163ms Account Requests – COF 421ms Accounts 449ms Balances 434ms Beneficiaries 838ms Direct Debits 268ms Payments – AIS 282ms Payments – CoF 274ms Payments – PIS 410ms Payments – VRP 354ms Products 287ms Standing Orders – AIS 348ms Standing Orders – PIS 288ms Statements 199ms Transactions 489ms Santander UK plc Response times (milliseconds): January 2026 Account Requests – AIS 228ms Account Requests – COF 320ms Accounts 335ms Balances 382ms Beneficiaries 572ms Direct Debits 469ms Payments – CoF 347ms Payments – PIS 261ms Payments – VRP 235ms Products 335ms Standing Orders – AIS 459ms Standing Orders – PIS 260ms Statements 476ms Transactions 460ms UBN Response times (milliseconds): January 2026 Account Requests – AIS 169ms Account Requests – COF 547ms Accounts 437ms Balances 374ms Beneficiaries 916ms Direct Debits 287ms Payments – AIS 260ms Payments – CoF 291ms Payments – PIS 416ms Payments – VRP 402ms Products 301ms Standing Orders – AIS 316ms Standing Orders – PIS 220ms Statements 188ms Transactions 452ms
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand January 2026 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Successful API calls Total calls 2404347073 % of overall total calls 99.55% AIS Total calls 1920178433 % of overall total calls 99.48% PIS Total calls 157117066 % of overall total calls 99.79% January 2026 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart January 2026 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart
January 2026 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Successful API calls Total calls 2404347073 % of overall total calls 99.55% AIS Total calls 1920178433 % of overall total calls 99.48% PIS Total calls 157117066 % of overall total calls 99.79%
January 2026 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart
January 2026 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart
January 2026 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart
January 2026 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand January 2026 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Failed API Calls Total calls 10,906,926 % of overall total calls 0.45% Business Total calls 9,287,640 % of overall total calls 0.38% Technical Total calls 1,619,286 % 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. January 2026 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2026 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2026 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Failed API Calls Total calls 10,906,926 % of overall total calls 0.45% Business Total calls 9,287,640 % of overall total calls 0.38% Technical Total calls 1,619,286 % 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.
January 2026 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2026 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2026 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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 January 2026 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Rejected API Calls Total calls 2,768,633 % of overall total calls 0.115% 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. January 2026 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2026 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Download chart Rejected API Calls Total calls 2,768,633 % of overall total calls 0.115% 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.
January 2026 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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.