API Performance StatsSelect a month:September 2025August 2025July 2025June 2025May 2025April 2025February 2025January 2025December 2024November 2024October 2024September 2024August 2024July 2024June 2024May 2024April 2024March 2024February 2024January 2024December 2023November 2023October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 2023December 2022November 2022October 2022September 2022August 2022July 2022June 2022May 2022Download historical data (last 12 months):Download dataHistoric Data Download- csv (CSV)Historic Data Download (PDF) Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.Notes on the data: Unweighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Weighted availability is calculated by applying a factor to the availability of each endpoint, each day, based on the proportion of total daily API calls to that endpoint.Notes on the data: Weighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Successful API calls This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Successful Payments This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Average API call response times This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Open Banking Users All Users AIS users PIS users All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. Download chart AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart September key performance metrics 99.53% Average API availability – unweighted 325ms Average API response time 99.43% Successful API calls (%) 99.96% Average API availability – weighted 1988.4m Successful API calls (actual) 0.57% Failed API calls Unweighted Weighted Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted September 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API availability 99.53% Core hours (06:00-00:00) 99.63% Non core hours (00:00-06:00) 99.25% Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 98.89% payments-VRP 98.89% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.89% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 98.89% payments-VRP 98.89% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.89% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: September 2025 Account Requests – AIS 99.31% Account Requests – CoF 99.44% Accounts 99.31% Balances 99.31% Beneficiaries 100.0% Payments – AIS 99.31% Payments – CoF 99.31% Payments – PIS 99.31% payments-VRP 99.31% Products 99.31% Standing Orders – AIS 99.31% Standing Orders – PIS 99.31% Statements 99.31% Transactions 99.31% Bank of Scotland Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Barclays Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: September 2025 Account Requests – AIS 97.15% Account Requests – CoF 100.0% Accounts 97.15% Balances 97.15% Beneficiaries 98.68% Direct Debits 99.35% Payments – CoF 97.99% Payments – PIS 97.15% Products 97.15% Standing Orders – AIS 97.15% Standing Orders – PIS 97.15% Transactions 97.15% Danske Bank Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.95% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.95% First Direct Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.73% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.73% Halifax Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% HSBC Business Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Kinetic Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.79% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.84% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.94% HSBC Personal Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.8% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.93% Products 99.99% Standing Orders – AIS 99.99% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.7% Lloyds Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 100.0% Products 99.97% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% MBNA Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.76% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Mettle Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 99.99% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 100.0% Beneficiaries 98.75% Direct Debits 99.73% Payments – AIS 99.82% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 99.78% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% NWB Availability by Endpoint Category: September 2025 Account Requests – AIS 99.89% Account Requests – CoF 100.0% Accounts 99.89% Balances 99.89% Beneficiaries 99.89% Direct Debits 99.89% Payments – AIS 99.9% Payments – CoF 99.86% Payments – PIS 99.86% payments-VRP 99.86% Products 99.89% Standing Orders – AIS 99.89% Standing Orders – PIS 99.86% Statements 99.89% Transactions 99.89% RBS Availability by Endpoint Category: September 2025 Account Requests – AIS 99.95% Account Requests – CoF 100.0% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.91% Payments – PIS 99.91% payments-VRP 99.91% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.91% Statements 99.95% Transactions 99.95% Santander UK plc Availability by Endpoint Category: September 2025 Account Requests – AIS 99.91% Account Requests – CoF 100.0% Accounts 99.71% Balances 99.71% Beneficiaries 99.91% Direct Debits 99.91% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.91% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.71% UBN Availability by Endpoint Category: September 2025 Account Requests – AIS 99.93% Account Requests – CoF 100.0% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.95% Payments – CoF 99.9% Payments – PIS 99.9% payments-VRP 99.9% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.9% Statements 99.97% Transactions 99.93% Average API availability – weighted Average API availability by brand – weighted Core hours by brand (06:00 – 0:00) – weighted Non core hours by brand (00:00 – 6:00) – weighted AIS availability by brand – weighted PIS availability by brand – weighted API availability by category – weighted September 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average weighted API availability 99.96% Core hours (06:00-00:00) 99.96% Non core hours (00:00-06:00) 99.95% September 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 99.95% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.98% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.93% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.98% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: September 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 99.98% Balances 99.98% Payments – AIS 99.99% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 99.91% Products 100.0% Standing Orders – AIS 99.99% Standing Orders – PIS 99.97% Statements 99.95% Transactions 99.98% Bank of Scotland Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Barclays Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: September 2025 Account Requests – AIS 99.9% Account Requests – CoF 100.0% Accounts 99.9% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.94% Payments – CoF 99.99% Payments – PIS 99.94% Products 99.91% Standing Orders – AIS 99.87% Standing Orders – PIS 99.91% Transactions 99.92% Danske Bank Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% First Direct Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Halifax Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Business Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Personal Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Lloyds Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% MBNA Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Mettle Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 99.96% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.99% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% NWB Availability by Endpoint Category: September 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.99% Balances 100.0% Beneficiaries 99.99% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 99.98% Standing Orders – AIS 99.99% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% RBS Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Santander UK plc Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Average API response times Average API response times by brand Response times by brand September 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API Response Time 325 milliseconds September 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): September 2025 Account Requests – AIS 160ms Accounts 115ms Balances 83ms Beneficiaries 4,460ms Direct Debits 989ms Payments – CoF 123ms Payments – PIS 111ms payments-VRP 114ms Products 471ms Standing Orders – AIS 226ms Standing Orders – PIS 106ms Transactions 94ms AIB Group (UK) p.l.c. Response times (milliseconds): September 2025 Account Requests – AIS 116ms Accounts 68ms Balances 38ms Direct Debits 1,120ms Payments – CoF 88ms Payments – PIS 64ms payments-VRP 114ms Products 720ms Standing Orders – AIS 170ms Standing Orders – PIS 68ms Transactions 47ms Bank of Ireland UK Response times (milliseconds): September 2025 Account Requests – AIS 169ms Account Requests – CoF 426ms Accounts 306ms Balances 305ms Payments – AIS 271ms Payments – CoF 508ms Payments – PIS 1,019ms payments-VRP 923ms Products 400ms Standing Orders – AIS 262ms Standing Orders – PIS 693ms Statements 811ms Transactions 336ms Bank of Scotland Response times (milliseconds): September 2025 Account Requests – AIS 219ms Account Requests – CoF 245ms Accounts 141ms Balances 152ms Beneficiaries 229ms Direct Debits 217ms Payments – AIS 200ms Payments – CoF 219ms Payments – PIS 437ms payments-VRP 331ms Products 416ms Standing Orders – AIS 199ms Standing Orders – PIS 434ms Statements 364ms Transactions 225ms Barclays Response times (milliseconds): September 2025 Account Requests – AIS 124ms Account Requests – CoF 172ms Accounts 219ms Balances 195ms Beneficiaries 248ms Direct Debits 200ms Payments – AIS 240ms Payments – CoF 258ms Payments – PIS 181ms payments-VRP 244ms Products 331ms Standing Orders – AIS 204ms Standing Orders – PIS 168ms Statements 99ms Transactions 248ms Coutts Response times (milliseconds): September 2025 Account Requests – AIS 965ms Account Requests – CoF 2,376ms Accounts 246ms Balances 268ms Beneficiaries 1,672ms Direct Debits 1,560ms Payments – CoF 362ms Payments – PIS 905ms Products 248ms Standing Orders – AIS 220ms Standing Orders – PIS 764ms Transactions 292ms Danske Bank Response times (milliseconds): September 2025 Account Requests – AIS 50ms Account Requests – CoF 315ms Accounts 500ms Balances 198ms Beneficiaries 201ms Direct Debits 325ms Payments – AIS 279ms Payments – CoF 96ms Payments – PIS 91ms payments-VRP 432ms Products 136ms Standing Orders – AIS 297ms Standing Orders – PIS 93ms Transactions 553ms First Direct Response times (milliseconds): September 2025 Account Requests – AIS 144ms Account Requests – CoF 288ms Accounts 283ms Balances 281ms Beneficiaries 388ms Direct Debits 315ms Payments – AIS 514ms Payments – CoF 384ms Payments – PIS 297ms payments-VRP 355ms Products 539ms Standing Orders – AIS 541ms Standing Orders – PIS 431ms Statements 175ms Transactions 506ms Halifax Response times (milliseconds): September 2025 Account Requests – AIS 221ms Account Requests – CoF 244ms Accounts 141ms Balances 153ms Beneficiaries 231ms Direct Debits 217ms Payments – AIS 199ms Payments – CoF 218ms Payments – PIS 472ms payments-VRP 330ms Products 410ms Standing Orders – AIS 198ms Standing Orders – PIS 510ms Statements 377ms Transactions 234ms HSBC Business Response times (milliseconds): September 2025 Account Requests – AIS 185ms Account Requests – CoF 307ms Accounts 393ms Balances 393ms Beneficiaries 302ms Direct Debits 570ms Payments – AIS 165ms Payments – CoF 589ms Payments – PIS 661ms payments-VRP 432ms Products 717ms Standing Orders – AIS 201ms Standing Orders – PIS 342ms Statements 2,444ms Transactions 477ms HSBC Kinetic Response times (milliseconds): September 2025 Account Requests – AIS 150ms Account Requests – CoF 286ms Accounts 395ms Balances 384ms Beneficiaries 743ms Direct Debits 942ms Payments – AIS 1,952ms Payments – CoF 557ms Payments – PIS 332ms payments-VRP 436ms Products 1,218ms Standing Orders – AIS 955ms Standing Orders – PIS 243ms Statements 1,672ms Transactions 555ms HSBC Personal Response times (milliseconds): September 2025 Account Requests – AIS 165ms Account Requests – CoF 265ms Accounts 294ms Balances 287ms Beneficiaries 397ms Direct Debits 323ms Payments – AIS 559ms Payments – CoF 392ms Payments – PIS 312ms payments-VRP 355ms Products 546ms Standing Orders – AIS 584ms Standing Orders – PIS 347ms Statements 449ms Transactions 511ms Lloyds Response times (milliseconds): September 2025 Account Requests – AIS 222ms Account Requests – CoF 238ms Accounts 141ms Balances 151ms Beneficiaries 229ms Direct Debits 216ms Payments – AIS 199ms Payments – CoF 217ms Payments – PIS 454ms payments-VRP 328ms Products 411ms Standing Orders – AIS 198ms Standing Orders – PIS 440ms Statements 383ms Transactions 224ms MBNA Response times (milliseconds): September 2025 Account Requests – AIS 224ms Accounts 202ms Balances 247ms Beneficiaries 224ms Direct Debits 154ms Payments – AIS 156ms Payments – PIS 217ms Products 153ms Standing Orders – AIS 157ms Statements 311ms Transactions 446ms Mettle Response times (milliseconds): September 2025 Account Requests – AIS 77ms Accounts 105ms Balances 83ms Beneficiaries 55ms Direct Debits 121ms Payments – AIS 65ms Payments – PIS 112ms payments-VRP 123ms Products 104ms Standing Orders – AIS 9ms Statements 384ms Transactions 88ms Nationwide Building Society Response times (milliseconds): September 2025 Account Requests – AIS 151ms Account Requests – CoF 240ms Accounts 227ms Balances 178ms Beneficiaries 600ms Direct Debits 568ms Payments – AIS 265ms Payments – CoF 239ms Payments – PIS 374ms payments-VRP 293ms Products 196ms Standing Orders – AIS 199ms Standing Orders – PIS 351ms Statements 397ms Transactions 223ms NWB Response times (milliseconds): September 2025 Account Requests – AIS 143ms Account Requests – CoF 338ms Accounts 401ms Balances 381ms Beneficiaries 702ms Direct Debits 230ms Payments – AIS 231ms Payments – CoF 203ms Payments – PIS 323ms payments-VRP 302ms Products 282ms Standing Orders – AIS 391ms Standing Orders – PIS 269ms Statements 204ms Transactions 472ms RBS Response times (milliseconds): September 2025 Account Requests – AIS 168ms Account Requests – CoF 409ms Accounts 447ms Balances 411ms Beneficiaries 841ms Direct Debits 246ms Payments – AIS 272ms Payments – CoF 276ms Payments – PIS 374ms payments-VRP 362ms Products 280ms Standing Orders – AIS 296ms Standing Orders – PIS 297ms Statements 282ms Transactions 459ms Santander UK plc Response times (milliseconds): September 2025 Account Requests – AIS 258ms Account Requests – CoF 339ms Accounts 372ms Balances 422ms Beneficiaries 605ms Direct Debits 481ms Payments – CoF 362ms Payments – PIS 304ms payments-VRP 289ms Products 362ms Standing Orders – AIS 471ms Standing Orders – PIS 272ms Statements 416ms Transactions 491ms UBN Response times (milliseconds): September 2025 Account Requests – AIS 169ms Account Requests – CoF 529ms Accounts 460ms Balances 384ms Beneficiaries 836ms Direct Debits 266ms Payments – AIS 295ms Payments – CoF 296ms Payments – PIS 386ms payments-VRP 435ms Products 294ms Standing Orders – AIS 268ms Standing Orders – PIS 234ms Statements 193ms Transactions 449ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand September 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Successful API calls Total calls 1988409813 % of overall total calls 99.43% AIS Total calls 1591570809 % of overall total calls 99.37% PIS Total calls 128882869 % of overall total calls 99.71% September 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand September 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed API Calls Total calls 11,386,077 % of overall total calls 0.57% Business Total calls 8,718,034 % of overall total calls 0.44% Technical Total calls 2,668,043 % of overall total calls 0.13% Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed Technical calls Failed Business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed business calls as % of total calls Volume of failed business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed technical calls as % of total calls Volume of failed technical calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. Rejected API calls Rejected API calls by brand September 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Rejected API Calls Total calls 2,605,702 % of overall total calls 0.130% HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs. September 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
API Performance StatsSelect a month:September 2025August 2025July 2025June 2025May 2025April 2025February 2025January 2025December 2024November 2024October 2024September 2024August 2024July 2024June 2024May 2024April 2024March 2024February 2024January 2024December 2023November 2023October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 2023December 2022November 2022October 2022September 2022August 2022July 2022June 2022May 2022Download historical data (last 12 months):Download dataHistoric Data Download- csv (CSV)Historic Data Download (PDF)
Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.Notes on the data: Unweighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Weighted availability is calculated by applying a factor to the availability of each endpoint, each day, based on the proportion of total daily API calls to that endpoint.Notes on the data: Weighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Successful API calls This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Successful Payments This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Average API call response times This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Open Banking Users All Users AIS users PIS users All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. Download chart AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart
All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. Download chart
AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart
PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart
September key performance metrics 99.53% Average API availability – unweighted 325ms Average API response time 99.43% Successful API calls (%) 99.96% Average API availability – weighted 1988.4m Successful API calls (actual) 0.57% Failed API calls Unweighted Weighted Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted September 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API availability 99.53% Core hours (06:00-00:00) 99.63% Non core hours (00:00-06:00) 99.25% Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 98.89% payments-VRP 98.89% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.89% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 98.89% payments-VRP 98.89% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.89% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: September 2025 Account Requests – AIS 99.31% Account Requests – CoF 99.44% Accounts 99.31% Balances 99.31% Beneficiaries 100.0% Payments – AIS 99.31% Payments – CoF 99.31% Payments – PIS 99.31% payments-VRP 99.31% Products 99.31% Standing Orders – AIS 99.31% Standing Orders – PIS 99.31% Statements 99.31% Transactions 99.31% Bank of Scotland Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Barclays Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: September 2025 Account Requests – AIS 97.15% Account Requests – CoF 100.0% Accounts 97.15% Balances 97.15% Beneficiaries 98.68% Direct Debits 99.35% Payments – CoF 97.99% Payments – PIS 97.15% Products 97.15% Standing Orders – AIS 97.15% Standing Orders – PIS 97.15% Transactions 97.15% Danske Bank Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.95% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.95% First Direct Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.73% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.73% Halifax Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% HSBC Business Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Kinetic Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.79% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.84% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.94% HSBC Personal Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.8% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.93% Products 99.99% Standing Orders – AIS 99.99% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.7% Lloyds Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 100.0% Products 99.97% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% MBNA Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.76% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Mettle Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 99.99% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 100.0% Beneficiaries 98.75% Direct Debits 99.73% Payments – AIS 99.82% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 99.78% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% NWB Availability by Endpoint Category: September 2025 Account Requests – AIS 99.89% Account Requests – CoF 100.0% Accounts 99.89% Balances 99.89% Beneficiaries 99.89% Direct Debits 99.89% Payments – AIS 99.9% Payments – CoF 99.86% Payments – PIS 99.86% payments-VRP 99.86% Products 99.89% Standing Orders – AIS 99.89% Standing Orders – PIS 99.86% Statements 99.89% Transactions 99.89% RBS Availability by Endpoint Category: September 2025 Account Requests – AIS 99.95% Account Requests – CoF 100.0% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.91% Payments – PIS 99.91% payments-VRP 99.91% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.91% Statements 99.95% Transactions 99.95% Santander UK plc Availability by Endpoint Category: September 2025 Account Requests – AIS 99.91% Account Requests – CoF 100.0% Accounts 99.71% Balances 99.71% Beneficiaries 99.91% Direct Debits 99.91% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.91% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.71% UBN Availability by Endpoint Category: September 2025 Account Requests – AIS 99.93% Account Requests – CoF 100.0% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.95% Payments – CoF 99.9% Payments – PIS 99.9% payments-VRP 99.9% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.9% Statements 99.97% Transactions 99.93% Average API availability – weighted Average API availability by brand – weighted Core hours by brand (06:00 – 0:00) – weighted Non core hours by brand (00:00 – 6:00) – weighted AIS availability by brand – weighted PIS availability by brand – weighted API availability by category – weighted September 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average weighted API availability 99.96% Core hours (06:00-00:00) 99.96% Non core hours (00:00-06:00) 99.95% September 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 99.95% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.98% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.93% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.98% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: September 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 99.98% Balances 99.98% Payments – AIS 99.99% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 99.91% Products 100.0% Standing Orders – AIS 99.99% Standing Orders – PIS 99.97% Statements 99.95% Transactions 99.98% Bank of Scotland Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Barclays Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: September 2025 Account Requests – AIS 99.9% Account Requests – CoF 100.0% Accounts 99.9% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.94% Payments – CoF 99.99% Payments – PIS 99.94% Products 99.91% Standing Orders – AIS 99.87% Standing Orders – PIS 99.91% Transactions 99.92% Danske Bank Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% First Direct Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Halifax Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Business Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Personal Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Lloyds Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% MBNA Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Mettle Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 99.96% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.99% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% NWB Availability by Endpoint Category: September 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.99% Balances 100.0% Beneficiaries 99.99% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 99.98% Standing Orders – AIS 99.99% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% RBS Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Santander UK plc Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Average API response times Average API response times by brand Response times by brand September 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API Response Time 325 milliseconds September 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): September 2025 Account Requests – AIS 160ms Accounts 115ms Balances 83ms Beneficiaries 4,460ms Direct Debits 989ms Payments – CoF 123ms Payments – PIS 111ms payments-VRP 114ms Products 471ms Standing Orders – AIS 226ms Standing Orders – PIS 106ms Transactions 94ms AIB Group (UK) p.l.c. Response times (milliseconds): September 2025 Account Requests – AIS 116ms Accounts 68ms Balances 38ms Direct Debits 1,120ms Payments – CoF 88ms Payments – PIS 64ms payments-VRP 114ms Products 720ms Standing Orders – AIS 170ms Standing Orders – PIS 68ms Transactions 47ms Bank of Ireland UK Response times (milliseconds): September 2025 Account Requests – AIS 169ms Account Requests – CoF 426ms Accounts 306ms Balances 305ms Payments – AIS 271ms Payments – CoF 508ms Payments – PIS 1,019ms payments-VRP 923ms Products 400ms Standing Orders – AIS 262ms Standing Orders – PIS 693ms Statements 811ms Transactions 336ms Bank of Scotland Response times (milliseconds): September 2025 Account Requests – AIS 219ms Account Requests – CoF 245ms Accounts 141ms Balances 152ms Beneficiaries 229ms Direct Debits 217ms Payments – AIS 200ms Payments – CoF 219ms Payments – PIS 437ms payments-VRP 331ms Products 416ms Standing Orders – AIS 199ms Standing Orders – PIS 434ms Statements 364ms Transactions 225ms Barclays Response times (milliseconds): September 2025 Account Requests – AIS 124ms Account Requests – CoF 172ms Accounts 219ms Balances 195ms Beneficiaries 248ms Direct Debits 200ms Payments – AIS 240ms Payments – CoF 258ms Payments – PIS 181ms payments-VRP 244ms Products 331ms Standing Orders – AIS 204ms Standing Orders – PIS 168ms Statements 99ms Transactions 248ms Coutts Response times (milliseconds): September 2025 Account Requests – AIS 965ms Account Requests – CoF 2,376ms Accounts 246ms Balances 268ms Beneficiaries 1,672ms Direct Debits 1,560ms Payments – CoF 362ms Payments – PIS 905ms Products 248ms Standing Orders – AIS 220ms Standing Orders – PIS 764ms Transactions 292ms Danske Bank Response times (milliseconds): September 2025 Account Requests – AIS 50ms Account Requests – CoF 315ms Accounts 500ms Balances 198ms Beneficiaries 201ms Direct Debits 325ms Payments – AIS 279ms Payments – CoF 96ms Payments – PIS 91ms payments-VRP 432ms Products 136ms Standing Orders – AIS 297ms Standing Orders – PIS 93ms Transactions 553ms First Direct Response times (milliseconds): September 2025 Account Requests – AIS 144ms Account Requests – CoF 288ms Accounts 283ms Balances 281ms Beneficiaries 388ms Direct Debits 315ms Payments – AIS 514ms Payments – CoF 384ms Payments – PIS 297ms payments-VRP 355ms Products 539ms Standing Orders – AIS 541ms Standing Orders – PIS 431ms Statements 175ms Transactions 506ms Halifax Response times (milliseconds): September 2025 Account Requests – AIS 221ms Account Requests – CoF 244ms Accounts 141ms Balances 153ms Beneficiaries 231ms Direct Debits 217ms Payments – AIS 199ms Payments – CoF 218ms Payments – PIS 472ms payments-VRP 330ms Products 410ms Standing Orders – AIS 198ms Standing Orders – PIS 510ms Statements 377ms Transactions 234ms HSBC Business Response times (milliseconds): September 2025 Account Requests – AIS 185ms Account Requests – CoF 307ms Accounts 393ms Balances 393ms Beneficiaries 302ms Direct Debits 570ms Payments – AIS 165ms Payments – CoF 589ms Payments – PIS 661ms payments-VRP 432ms Products 717ms Standing Orders – AIS 201ms Standing Orders – PIS 342ms Statements 2,444ms Transactions 477ms HSBC Kinetic Response times (milliseconds): September 2025 Account Requests – AIS 150ms Account Requests – CoF 286ms Accounts 395ms Balances 384ms Beneficiaries 743ms Direct Debits 942ms Payments – AIS 1,952ms Payments – CoF 557ms Payments – PIS 332ms payments-VRP 436ms Products 1,218ms Standing Orders – AIS 955ms Standing Orders – PIS 243ms Statements 1,672ms Transactions 555ms HSBC Personal Response times (milliseconds): September 2025 Account Requests – AIS 165ms Account Requests – CoF 265ms Accounts 294ms Balances 287ms Beneficiaries 397ms Direct Debits 323ms Payments – AIS 559ms Payments – CoF 392ms Payments – PIS 312ms payments-VRP 355ms Products 546ms Standing Orders – AIS 584ms Standing Orders – PIS 347ms Statements 449ms Transactions 511ms Lloyds Response times (milliseconds): September 2025 Account Requests – AIS 222ms Account Requests – CoF 238ms Accounts 141ms Balances 151ms Beneficiaries 229ms Direct Debits 216ms Payments – AIS 199ms Payments – CoF 217ms Payments – PIS 454ms payments-VRP 328ms Products 411ms Standing Orders – AIS 198ms Standing Orders – PIS 440ms Statements 383ms Transactions 224ms MBNA Response times (milliseconds): September 2025 Account Requests – AIS 224ms Accounts 202ms Balances 247ms Beneficiaries 224ms Direct Debits 154ms Payments – AIS 156ms Payments – PIS 217ms Products 153ms Standing Orders – AIS 157ms Statements 311ms Transactions 446ms Mettle Response times (milliseconds): September 2025 Account Requests – AIS 77ms Accounts 105ms Balances 83ms Beneficiaries 55ms Direct Debits 121ms Payments – AIS 65ms Payments – PIS 112ms payments-VRP 123ms Products 104ms Standing Orders – AIS 9ms Statements 384ms Transactions 88ms Nationwide Building Society Response times (milliseconds): September 2025 Account Requests – AIS 151ms Account Requests – CoF 240ms Accounts 227ms Balances 178ms Beneficiaries 600ms Direct Debits 568ms Payments – AIS 265ms Payments – CoF 239ms Payments – PIS 374ms payments-VRP 293ms Products 196ms Standing Orders – AIS 199ms Standing Orders – PIS 351ms Statements 397ms Transactions 223ms NWB Response times (milliseconds): September 2025 Account Requests – AIS 143ms Account Requests – CoF 338ms Accounts 401ms Balances 381ms Beneficiaries 702ms Direct Debits 230ms Payments – AIS 231ms Payments – CoF 203ms Payments – PIS 323ms payments-VRP 302ms Products 282ms Standing Orders – AIS 391ms Standing Orders – PIS 269ms Statements 204ms Transactions 472ms RBS Response times (milliseconds): September 2025 Account Requests – AIS 168ms Account Requests – CoF 409ms Accounts 447ms Balances 411ms Beneficiaries 841ms Direct Debits 246ms Payments – AIS 272ms Payments – CoF 276ms Payments – PIS 374ms payments-VRP 362ms Products 280ms Standing Orders – AIS 296ms Standing Orders – PIS 297ms Statements 282ms Transactions 459ms Santander UK plc Response times (milliseconds): September 2025 Account Requests – AIS 258ms Account Requests – CoF 339ms Accounts 372ms Balances 422ms Beneficiaries 605ms Direct Debits 481ms Payments – CoF 362ms Payments – PIS 304ms payments-VRP 289ms Products 362ms Standing Orders – AIS 471ms Standing Orders – PIS 272ms Statements 416ms Transactions 491ms UBN Response times (milliseconds): September 2025 Account Requests – AIS 169ms Account Requests – CoF 529ms Accounts 460ms Balances 384ms Beneficiaries 836ms Direct Debits 266ms Payments – AIS 295ms Payments – CoF 296ms Payments – PIS 386ms payments-VRP 435ms Products 294ms Standing Orders – AIS 268ms Standing Orders – PIS 234ms Statements 193ms Transactions 449ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand September 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Successful API calls Total calls 1988409813 % of overall total calls 99.43% AIS Total calls 1591570809 % of overall total calls 99.37% PIS Total calls 128882869 % of overall total calls 99.71% September 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand September 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed API Calls Total calls 11,386,077 % of overall total calls 0.57% Business Total calls 8,718,034 % of overall total calls 0.44% Technical Total calls 2,668,043 % of overall total calls 0.13% Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed Technical calls Failed Business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed business calls as % of total calls Volume of failed business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed technical calls as % of total calls Volume of failed technical calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. Rejected API calls Rejected API calls by brand September 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Rejected API Calls Total calls 2,605,702 % of overall total calls 0.130% HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs. September 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
September key performance metrics 99.53% Average API availability – unweighted 325ms Average API response time 99.43% Successful API calls (%) 99.96% Average API availability – weighted 1988.4m Successful API calls (actual) 0.57% Failed API calls
Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted September 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API availability 99.53% Core hours (06:00-00:00) 99.63% Non core hours (00:00-06:00) 99.25% Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received. September 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 98.89% payments-VRP 98.89% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.89% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 98.89% payments-VRP 98.89% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.89% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: September 2025 Account Requests – AIS 99.31% Account Requests – CoF 99.44% Accounts 99.31% Balances 99.31% Beneficiaries 100.0% Payments – AIS 99.31% Payments – CoF 99.31% Payments – PIS 99.31% payments-VRP 99.31% Products 99.31% Standing Orders – AIS 99.31% Standing Orders – PIS 99.31% Statements 99.31% Transactions 99.31% Bank of Scotland Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Barclays Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: September 2025 Account Requests – AIS 97.15% Account Requests – CoF 100.0% Accounts 97.15% Balances 97.15% Beneficiaries 98.68% Direct Debits 99.35% Payments – CoF 97.99% Payments – PIS 97.15% Products 97.15% Standing Orders – AIS 97.15% Standing Orders – PIS 97.15% Transactions 97.15% Danske Bank Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.95% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.95% First Direct Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.73% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.73% Halifax Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% HSBC Business Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Kinetic Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.79% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.84% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.94% HSBC Personal Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.8% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.93% Products 99.99% Standing Orders – AIS 99.99% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.7% Lloyds Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 100.0% Products 99.97% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% MBNA Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.76% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Mettle Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 99.99% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 100.0% Beneficiaries 98.75% Direct Debits 99.73% Payments – AIS 99.82% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 99.78% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% NWB Availability by Endpoint Category: September 2025 Account Requests – AIS 99.89% Account Requests – CoF 100.0% Accounts 99.89% Balances 99.89% Beneficiaries 99.89% Direct Debits 99.89% Payments – AIS 99.9% Payments – CoF 99.86% Payments – PIS 99.86% payments-VRP 99.86% Products 99.89% Standing Orders – AIS 99.89% Standing Orders – PIS 99.86% Statements 99.89% Transactions 99.89% RBS Availability by Endpoint Category: September 2025 Account Requests – AIS 99.95% Account Requests – CoF 100.0% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.91% Payments – PIS 99.91% payments-VRP 99.91% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.91% Statements 99.95% Transactions 99.95% Santander UK plc Availability by Endpoint Category: September 2025 Account Requests – AIS 99.91% Account Requests – CoF 100.0% Accounts 99.71% Balances 99.71% Beneficiaries 99.91% Direct Debits 99.91% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.91% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.71% UBN Availability by Endpoint Category: September 2025 Account Requests – AIS 99.93% Account Requests – CoF 100.0% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.95% Payments – CoF 99.9% Payments – PIS 99.9% payments-VRP 99.9% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.9% Statements 99.97% Transactions 99.93%
September 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API availability 99.53% Core hours (06:00-00:00) 99.63% Non core hours (00:00-06:00) 99.25% Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
September 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
September 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
September 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
September 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
September 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking. Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.
September 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 98.89% payments-VRP 98.89% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.89% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 98.89% payments-VRP 98.89% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.89% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: September 2025 Account Requests – AIS 99.31% Account Requests – CoF 99.44% Accounts 99.31% Balances 99.31% Beneficiaries 100.0% Payments – AIS 99.31% Payments – CoF 99.31% Payments – PIS 99.31% payments-VRP 99.31% Products 99.31% Standing Orders – AIS 99.31% Standing Orders – PIS 99.31% Statements 99.31% Transactions 99.31% Bank of Scotland Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Barclays Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: September 2025 Account Requests – AIS 97.15% Account Requests – CoF 100.0% Accounts 97.15% Balances 97.15% Beneficiaries 98.68% Direct Debits 99.35% Payments – CoF 97.99% Payments – PIS 97.15% Products 97.15% Standing Orders – AIS 97.15% Standing Orders – PIS 97.15% Transactions 97.15% Danske Bank Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.95% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.95% First Direct Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.73% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.73% Halifax Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% HSBC Business Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Kinetic Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.79% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.84% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.94% HSBC Personal Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.8% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.93% Products 99.99% Standing Orders – AIS 99.99% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.7% Lloyds Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 100.0% Products 99.97% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% MBNA Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.76% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Mettle Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 99.99% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 100.0% Beneficiaries 98.75% Direct Debits 99.73% Payments – AIS 99.82% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 99.78% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% NWB Availability by Endpoint Category: September 2025 Account Requests – AIS 99.89% Account Requests – CoF 100.0% Accounts 99.89% Balances 99.89% Beneficiaries 99.89% Direct Debits 99.89% Payments – AIS 99.9% Payments – CoF 99.86% Payments – PIS 99.86% payments-VRP 99.86% Products 99.89% Standing Orders – AIS 99.89% Standing Orders – PIS 99.86% Statements 99.89% Transactions 99.89% RBS Availability by Endpoint Category: September 2025 Account Requests – AIS 99.95% Account Requests – CoF 100.0% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.91% Payments – PIS 99.91% payments-VRP 99.91% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.91% Statements 99.95% Transactions 99.95% Santander UK plc Availability by Endpoint Category: September 2025 Account Requests – AIS 99.91% Account Requests – CoF 100.0% Accounts 99.71% Balances 99.71% Beneficiaries 99.91% Direct Debits 99.91% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.91% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.71% UBN Availability by Endpoint Category: September 2025 Account Requests – AIS 99.93% Account Requests – CoF 100.0% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.95% Payments – CoF 99.9% Payments – PIS 99.9% payments-VRP 99.9% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.9% Statements 99.97% Transactions 99.93%
Average API availability – weighted Average API availability by brand – weighted Core hours by brand (06:00 – 0:00) – weighted Non core hours by brand (00:00 – 6:00) – weighted AIS availability by brand – weighted PIS availability by brand – weighted API availability by category – weighted September 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average weighted API availability 99.96% Core hours (06:00-00:00) 99.96% Non core hours (00:00-06:00) 99.95% September 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 99.95% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.98% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.93% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.98% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: September 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 99.98% Balances 99.98% Payments – AIS 99.99% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 99.91% Products 100.0% Standing Orders – AIS 99.99% Standing Orders – PIS 99.97% Statements 99.95% Transactions 99.98% Bank of Scotland Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Barclays Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: September 2025 Account Requests – AIS 99.9% Account Requests – CoF 100.0% Accounts 99.9% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.94% Payments – CoF 99.99% Payments – PIS 99.94% Products 99.91% Standing Orders – AIS 99.87% Standing Orders – PIS 99.91% Transactions 99.92% Danske Bank Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% First Direct Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Halifax Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Business Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Personal Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Lloyds Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% MBNA Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Mettle Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 99.96% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.99% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% NWB Availability by Endpoint Category: September 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.99% Balances 100.0% Beneficiaries 99.99% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 99.98% Standing Orders – AIS 99.99% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% RBS Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Santander UK plc Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0%
September 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average weighted API availability 99.96% Core hours (06:00-00:00) 99.96% Non core hours (00:00-06:00) 99.95%
September 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 99.95% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.98% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.93% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.98% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: September 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 99.98% Balances 99.98% Payments – AIS 99.99% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 99.91% Products 100.0% Standing Orders – AIS 99.99% Standing Orders – PIS 99.97% Statements 99.95% Transactions 99.98% Bank of Scotland Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Barclays Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: September 2025 Account Requests – AIS 99.9% Account Requests – CoF 100.0% Accounts 99.9% Balances 99.92% Beneficiaries 99.92% Direct Debits 99.94% Payments – CoF 99.99% Payments – PIS 99.94% Products 99.91% Standing Orders – AIS 99.87% Standing Orders – PIS 99.91% Transactions 99.92% Danske Bank Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% First Direct Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Halifax Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Business Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Personal Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Lloyds Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% MBNA Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Mettle Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 99.96% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.99% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% NWB Availability by Endpoint Category: September 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.99% Balances 100.0% Beneficiaries 99.99% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.99% Products 99.98% Standing Orders – AIS 99.99% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% RBS Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Santander UK plc Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: September 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0%
Average API response times Average API response times by brand Response times by brand September 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API Response Time 325 milliseconds September 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): September 2025 Account Requests – AIS 160ms Accounts 115ms Balances 83ms Beneficiaries 4,460ms Direct Debits 989ms Payments – CoF 123ms Payments – PIS 111ms payments-VRP 114ms Products 471ms Standing Orders – AIS 226ms Standing Orders – PIS 106ms Transactions 94ms AIB Group (UK) p.l.c. Response times (milliseconds): September 2025 Account Requests – AIS 116ms Accounts 68ms Balances 38ms Direct Debits 1,120ms Payments – CoF 88ms Payments – PIS 64ms payments-VRP 114ms Products 720ms Standing Orders – AIS 170ms Standing Orders – PIS 68ms Transactions 47ms Bank of Ireland UK Response times (milliseconds): September 2025 Account Requests – AIS 169ms Account Requests – CoF 426ms Accounts 306ms Balances 305ms Payments – AIS 271ms Payments – CoF 508ms Payments – PIS 1,019ms payments-VRP 923ms Products 400ms Standing Orders – AIS 262ms Standing Orders – PIS 693ms Statements 811ms Transactions 336ms Bank of Scotland Response times (milliseconds): September 2025 Account Requests – AIS 219ms Account Requests – CoF 245ms Accounts 141ms Balances 152ms Beneficiaries 229ms Direct Debits 217ms Payments – AIS 200ms Payments – CoF 219ms Payments – PIS 437ms payments-VRP 331ms Products 416ms Standing Orders – AIS 199ms Standing Orders – PIS 434ms Statements 364ms Transactions 225ms Barclays Response times (milliseconds): September 2025 Account Requests – AIS 124ms Account Requests – CoF 172ms Accounts 219ms Balances 195ms Beneficiaries 248ms Direct Debits 200ms Payments – AIS 240ms Payments – CoF 258ms Payments – PIS 181ms payments-VRP 244ms Products 331ms Standing Orders – AIS 204ms Standing Orders – PIS 168ms Statements 99ms Transactions 248ms Coutts Response times (milliseconds): September 2025 Account Requests – AIS 965ms Account Requests – CoF 2,376ms Accounts 246ms Balances 268ms Beneficiaries 1,672ms Direct Debits 1,560ms Payments – CoF 362ms Payments – PIS 905ms Products 248ms Standing Orders – AIS 220ms Standing Orders – PIS 764ms Transactions 292ms Danske Bank Response times (milliseconds): September 2025 Account Requests – AIS 50ms Account Requests – CoF 315ms Accounts 500ms Balances 198ms Beneficiaries 201ms Direct Debits 325ms Payments – AIS 279ms Payments – CoF 96ms Payments – PIS 91ms payments-VRP 432ms Products 136ms Standing Orders – AIS 297ms Standing Orders – PIS 93ms Transactions 553ms First Direct Response times (milliseconds): September 2025 Account Requests – AIS 144ms Account Requests – CoF 288ms Accounts 283ms Balances 281ms Beneficiaries 388ms Direct Debits 315ms Payments – AIS 514ms Payments – CoF 384ms Payments – PIS 297ms payments-VRP 355ms Products 539ms Standing Orders – AIS 541ms Standing Orders – PIS 431ms Statements 175ms Transactions 506ms Halifax Response times (milliseconds): September 2025 Account Requests – AIS 221ms Account Requests – CoF 244ms Accounts 141ms Balances 153ms Beneficiaries 231ms Direct Debits 217ms Payments – AIS 199ms Payments – CoF 218ms Payments – PIS 472ms payments-VRP 330ms Products 410ms Standing Orders – AIS 198ms Standing Orders – PIS 510ms Statements 377ms Transactions 234ms HSBC Business Response times (milliseconds): September 2025 Account Requests – AIS 185ms Account Requests – CoF 307ms Accounts 393ms Balances 393ms Beneficiaries 302ms Direct Debits 570ms Payments – AIS 165ms Payments – CoF 589ms Payments – PIS 661ms payments-VRP 432ms Products 717ms Standing Orders – AIS 201ms Standing Orders – PIS 342ms Statements 2,444ms Transactions 477ms HSBC Kinetic Response times (milliseconds): September 2025 Account Requests – AIS 150ms Account Requests – CoF 286ms Accounts 395ms Balances 384ms Beneficiaries 743ms Direct Debits 942ms Payments – AIS 1,952ms Payments – CoF 557ms Payments – PIS 332ms payments-VRP 436ms Products 1,218ms Standing Orders – AIS 955ms Standing Orders – PIS 243ms Statements 1,672ms Transactions 555ms HSBC Personal Response times (milliseconds): September 2025 Account Requests – AIS 165ms Account Requests – CoF 265ms Accounts 294ms Balances 287ms Beneficiaries 397ms Direct Debits 323ms Payments – AIS 559ms Payments – CoF 392ms Payments – PIS 312ms payments-VRP 355ms Products 546ms Standing Orders – AIS 584ms Standing Orders – PIS 347ms Statements 449ms Transactions 511ms Lloyds Response times (milliseconds): September 2025 Account Requests – AIS 222ms Account Requests – CoF 238ms Accounts 141ms Balances 151ms Beneficiaries 229ms Direct Debits 216ms Payments – AIS 199ms Payments – CoF 217ms Payments – PIS 454ms payments-VRP 328ms Products 411ms Standing Orders – AIS 198ms Standing Orders – PIS 440ms Statements 383ms Transactions 224ms MBNA Response times (milliseconds): September 2025 Account Requests – AIS 224ms Accounts 202ms Balances 247ms Beneficiaries 224ms Direct Debits 154ms Payments – AIS 156ms Payments – PIS 217ms Products 153ms Standing Orders – AIS 157ms Statements 311ms Transactions 446ms Mettle Response times (milliseconds): September 2025 Account Requests – AIS 77ms Accounts 105ms Balances 83ms Beneficiaries 55ms Direct Debits 121ms Payments – AIS 65ms Payments – PIS 112ms payments-VRP 123ms Products 104ms Standing Orders – AIS 9ms Statements 384ms Transactions 88ms Nationwide Building Society Response times (milliseconds): September 2025 Account Requests – AIS 151ms Account Requests – CoF 240ms Accounts 227ms Balances 178ms Beneficiaries 600ms Direct Debits 568ms Payments – AIS 265ms Payments – CoF 239ms Payments – PIS 374ms payments-VRP 293ms Products 196ms Standing Orders – AIS 199ms Standing Orders – PIS 351ms Statements 397ms Transactions 223ms NWB Response times (milliseconds): September 2025 Account Requests – AIS 143ms Account Requests – CoF 338ms Accounts 401ms Balances 381ms Beneficiaries 702ms Direct Debits 230ms Payments – AIS 231ms Payments – CoF 203ms Payments – PIS 323ms payments-VRP 302ms Products 282ms Standing Orders – AIS 391ms Standing Orders – PIS 269ms Statements 204ms Transactions 472ms RBS Response times (milliseconds): September 2025 Account Requests – AIS 168ms Account Requests – CoF 409ms Accounts 447ms Balances 411ms Beneficiaries 841ms Direct Debits 246ms Payments – AIS 272ms Payments – CoF 276ms Payments – PIS 374ms payments-VRP 362ms Products 280ms Standing Orders – AIS 296ms Standing Orders – PIS 297ms Statements 282ms Transactions 459ms Santander UK plc Response times (milliseconds): September 2025 Account Requests – AIS 258ms Account Requests – CoF 339ms Accounts 372ms Balances 422ms Beneficiaries 605ms Direct Debits 481ms Payments – CoF 362ms Payments – PIS 304ms payments-VRP 289ms Products 362ms Standing Orders – AIS 471ms Standing Orders – PIS 272ms Statements 416ms Transactions 491ms UBN Response times (milliseconds): September 2025 Account Requests – AIS 169ms Account Requests – CoF 529ms Accounts 460ms Balances 384ms Beneficiaries 836ms Direct Debits 266ms Payments – AIS 295ms Payments – CoF 296ms Payments – PIS 386ms payments-VRP 435ms Products 294ms Standing Orders – AIS 268ms Standing Orders – PIS 234ms Statements 193ms Transactions 449ms
September 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Average API Response Time 325 milliseconds
September 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): September 2025 Account Requests – AIS 160ms Accounts 115ms Balances 83ms Beneficiaries 4,460ms Direct Debits 989ms Payments – CoF 123ms Payments – PIS 111ms payments-VRP 114ms Products 471ms Standing Orders – AIS 226ms Standing Orders – PIS 106ms Transactions 94ms AIB Group (UK) p.l.c. Response times (milliseconds): September 2025 Account Requests – AIS 116ms Accounts 68ms Balances 38ms Direct Debits 1,120ms Payments – CoF 88ms Payments – PIS 64ms payments-VRP 114ms Products 720ms Standing Orders – AIS 170ms Standing Orders – PIS 68ms Transactions 47ms Bank of Ireland UK Response times (milliseconds): September 2025 Account Requests – AIS 169ms Account Requests – CoF 426ms Accounts 306ms Balances 305ms Payments – AIS 271ms Payments – CoF 508ms Payments – PIS 1,019ms payments-VRP 923ms Products 400ms Standing Orders – AIS 262ms Standing Orders – PIS 693ms Statements 811ms Transactions 336ms Bank of Scotland Response times (milliseconds): September 2025 Account Requests – AIS 219ms Account Requests – CoF 245ms Accounts 141ms Balances 152ms Beneficiaries 229ms Direct Debits 217ms Payments – AIS 200ms Payments – CoF 219ms Payments – PIS 437ms payments-VRP 331ms Products 416ms Standing Orders – AIS 199ms Standing Orders – PIS 434ms Statements 364ms Transactions 225ms Barclays Response times (milliseconds): September 2025 Account Requests – AIS 124ms Account Requests – CoF 172ms Accounts 219ms Balances 195ms Beneficiaries 248ms Direct Debits 200ms Payments – AIS 240ms Payments – CoF 258ms Payments – PIS 181ms payments-VRP 244ms Products 331ms Standing Orders – AIS 204ms Standing Orders – PIS 168ms Statements 99ms Transactions 248ms Coutts Response times (milliseconds): September 2025 Account Requests – AIS 965ms Account Requests – CoF 2,376ms Accounts 246ms Balances 268ms Beneficiaries 1,672ms Direct Debits 1,560ms Payments – CoF 362ms Payments – PIS 905ms Products 248ms Standing Orders – AIS 220ms Standing Orders – PIS 764ms Transactions 292ms Danske Bank Response times (milliseconds): September 2025 Account Requests – AIS 50ms Account Requests – CoF 315ms Accounts 500ms Balances 198ms Beneficiaries 201ms Direct Debits 325ms Payments – AIS 279ms Payments – CoF 96ms Payments – PIS 91ms payments-VRP 432ms Products 136ms Standing Orders – AIS 297ms Standing Orders – PIS 93ms Transactions 553ms First Direct Response times (milliseconds): September 2025 Account Requests – AIS 144ms Account Requests – CoF 288ms Accounts 283ms Balances 281ms Beneficiaries 388ms Direct Debits 315ms Payments – AIS 514ms Payments – CoF 384ms Payments – PIS 297ms payments-VRP 355ms Products 539ms Standing Orders – AIS 541ms Standing Orders – PIS 431ms Statements 175ms Transactions 506ms Halifax Response times (milliseconds): September 2025 Account Requests – AIS 221ms Account Requests – CoF 244ms Accounts 141ms Balances 153ms Beneficiaries 231ms Direct Debits 217ms Payments – AIS 199ms Payments – CoF 218ms Payments – PIS 472ms payments-VRP 330ms Products 410ms Standing Orders – AIS 198ms Standing Orders – PIS 510ms Statements 377ms Transactions 234ms HSBC Business Response times (milliseconds): September 2025 Account Requests – AIS 185ms Account Requests – CoF 307ms Accounts 393ms Balances 393ms Beneficiaries 302ms Direct Debits 570ms Payments – AIS 165ms Payments – CoF 589ms Payments – PIS 661ms payments-VRP 432ms Products 717ms Standing Orders – AIS 201ms Standing Orders – PIS 342ms Statements 2,444ms Transactions 477ms HSBC Kinetic Response times (milliseconds): September 2025 Account Requests – AIS 150ms Account Requests – CoF 286ms Accounts 395ms Balances 384ms Beneficiaries 743ms Direct Debits 942ms Payments – AIS 1,952ms Payments – CoF 557ms Payments – PIS 332ms payments-VRP 436ms Products 1,218ms Standing Orders – AIS 955ms Standing Orders – PIS 243ms Statements 1,672ms Transactions 555ms HSBC Personal Response times (milliseconds): September 2025 Account Requests – AIS 165ms Account Requests – CoF 265ms Accounts 294ms Balances 287ms Beneficiaries 397ms Direct Debits 323ms Payments – AIS 559ms Payments – CoF 392ms Payments – PIS 312ms payments-VRP 355ms Products 546ms Standing Orders – AIS 584ms Standing Orders – PIS 347ms Statements 449ms Transactions 511ms Lloyds Response times (milliseconds): September 2025 Account Requests – AIS 222ms Account Requests – CoF 238ms Accounts 141ms Balances 151ms Beneficiaries 229ms Direct Debits 216ms Payments – AIS 199ms Payments – CoF 217ms Payments – PIS 454ms payments-VRP 328ms Products 411ms Standing Orders – AIS 198ms Standing Orders – PIS 440ms Statements 383ms Transactions 224ms MBNA Response times (milliseconds): September 2025 Account Requests – AIS 224ms Accounts 202ms Balances 247ms Beneficiaries 224ms Direct Debits 154ms Payments – AIS 156ms Payments – PIS 217ms Products 153ms Standing Orders – AIS 157ms Statements 311ms Transactions 446ms Mettle Response times (milliseconds): September 2025 Account Requests – AIS 77ms Accounts 105ms Balances 83ms Beneficiaries 55ms Direct Debits 121ms Payments – AIS 65ms Payments – PIS 112ms payments-VRP 123ms Products 104ms Standing Orders – AIS 9ms Statements 384ms Transactions 88ms Nationwide Building Society Response times (milliseconds): September 2025 Account Requests – AIS 151ms Account Requests – CoF 240ms Accounts 227ms Balances 178ms Beneficiaries 600ms Direct Debits 568ms Payments – AIS 265ms Payments – CoF 239ms Payments – PIS 374ms payments-VRP 293ms Products 196ms Standing Orders – AIS 199ms Standing Orders – PIS 351ms Statements 397ms Transactions 223ms NWB Response times (milliseconds): September 2025 Account Requests – AIS 143ms Account Requests – CoF 338ms Accounts 401ms Balances 381ms Beneficiaries 702ms Direct Debits 230ms Payments – AIS 231ms Payments – CoF 203ms Payments – PIS 323ms payments-VRP 302ms Products 282ms Standing Orders – AIS 391ms Standing Orders – PIS 269ms Statements 204ms Transactions 472ms RBS Response times (milliseconds): September 2025 Account Requests – AIS 168ms Account Requests – CoF 409ms Accounts 447ms Balances 411ms Beneficiaries 841ms Direct Debits 246ms Payments – AIS 272ms Payments – CoF 276ms Payments – PIS 374ms payments-VRP 362ms Products 280ms Standing Orders – AIS 296ms Standing Orders – PIS 297ms Statements 282ms Transactions 459ms Santander UK plc Response times (milliseconds): September 2025 Account Requests – AIS 258ms Account Requests – CoF 339ms Accounts 372ms Balances 422ms Beneficiaries 605ms Direct Debits 481ms Payments – CoF 362ms Payments – PIS 304ms payments-VRP 289ms Products 362ms Standing Orders – AIS 471ms Standing Orders – PIS 272ms Statements 416ms Transactions 491ms UBN Response times (milliseconds): September 2025 Account Requests – AIS 169ms Account Requests – CoF 529ms Accounts 460ms Balances 384ms Beneficiaries 836ms Direct Debits 266ms Payments – AIS 295ms Payments – CoF 296ms Payments – PIS 386ms payments-VRP 435ms Products 294ms Standing Orders – AIS 268ms Standing Orders – PIS 234ms Statements 193ms Transactions 449ms
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand September 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Successful API calls Total calls 1988409813 % of overall total calls 99.43% AIS Total calls 1591570809 % of overall total calls 99.37% PIS Total calls 128882869 % of overall total calls 99.71% September 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart September 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Successful API calls Total calls 1988409813 % of overall total calls 99.43% AIS Total calls 1591570809 % of overall total calls 99.37% PIS Total calls 128882869 % of overall total calls 99.71%
September 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
September 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand September 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed API Calls Total calls 11,386,077 % of overall total calls 0.57% Business Total calls 8,718,034 % of overall total calls 0.44% Technical Total calls 2,668,043 % of overall total calls 0.13% Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed Technical calls Failed Business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed business calls as % of total calls Volume of failed business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls. September 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed technical calls as % of total calls Volume of failed technical calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
September 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed API Calls Total calls 11,386,077 % of overall total calls 0.57% Business Total calls 8,718,034 % of overall total calls 0.44% Technical Total calls 2,668,043 % of overall total calls 0.13% Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
September 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed Technical calls Failed Business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
September 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed business calls as % of total calls Volume of failed business calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
September 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Failed technical calls as % of total calls Volume of failed technical calls Notes on the data: The data does not include abandoned authorisations. Business failures include 4xx http codes – e.g. if a third-party provider data request is incorrect such as incorrect data, incorrect data format, incorrect sequence of calls.
Rejected API calls Rejected API calls by brand September 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Rejected API Calls Total calls 2,605,702 % of overall total calls 0.130% HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs. September 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
September 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart Rejected API Calls Total calls 2,605,702 % of overall total calls 0.130% HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
September 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in September. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.