API Performance Stats

Average API availability – unweighted

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

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

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

Average API availability – weighted

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

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

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

Successful API calls

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

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

Successful Payments

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

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

Average API call response times

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

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

Open Banking Users

All Users

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

Notes on the data:

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

Total users as reported includes the volume of new users.

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

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

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

AIS users

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

Notes on the data: 

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

Total users as reported includes the volume of new users.

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

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

PIS Users

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

Notes on the data: 

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

Total users as reported includes the volume of new users.

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

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

July key performance metrics

99.62%

Average API availability – unweighted

342ms

Average API response time

99.46%

Successful API calls (%)

99.73%

Average API availability – weighted

2040.3m

Successful API calls (actual)

0.54%

Failed API calls

July 2025

Average API availability – unweighted

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

Average API availability

99.62%

Core hours (06:00-00:00)

99.72%

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

99.30%

Notes on the data: Unweighted API availability is based on data submitted by account providers (ASPSPs) to Open Banking. Core and non-core hours are based on planned and unplanned API downtime reported to / recorded by Open Banking.

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

July 2025

Average API availability by brand – unweighted

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

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.

July 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 July.

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.

July 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 July.

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.

July 2025

AIS availability by brand – unweighted

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

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.

July 2025

PIS availability by brand – unweighted

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

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.

July 2025

API availability by category – unweighted

Select an account provider

AIB (NI) Availability by Endpoint Category:

July 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

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

100.0%

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

July 2025
Account Requests – AIS

100.0%

Accounts

100.0%

Balances

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%

Transactions

100.0%

Bank of Ireland UK Availability by Endpoint Category:

July 2025
Account Requests – AIS

97.45%

Account Requests – CoF

97.45%

Accounts

97.45%

Balances

97.45%

Beneficiaries

97.72%

Payments – AIS

97.45%

Payments – CoF

97.45%

Payments – PIS

97.45%

payments-VRP

97.45%

Products

97.45%

Standing Orders – AIS

97.45%

Standing Orders – PIS

97.45%

Statements

97.45%

Transactions

97.45%

Bank of Scotland Availability by Endpoint Category:

July 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.99%

Barclays Availability by Endpoint Category:

July 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:

July 2025
Account Requests – AIS

96.91%

Account Requests – CoF

98.66%

Accounts

97.72%

Balances

97.72%

Beneficiaries

97.72%

Direct Debits

98.03%

Payments – AIS

98.66%

Payments – CoF

98.52%

Payments – PIS

97.72%

Products

97.72%

Standing Orders – AIS

97.72%

Standing Orders – PIS

98.52%

Transactions

97.72%

Danske Bank Availability by Endpoint Category:

July 2025
Account Requests – AIS

99.95%

Account Requests – CoF

100.0%

Accounts

99.94%

Balances

99.94%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.95%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

99.94%

First Direct Availability by Endpoint Category:

July 2025
Account Requests – AIS

100.0%

Account Requests – CoF

99.99%

Accounts

99.97%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.96%

Halifax Availability by Endpoint Category:

July 2025
Account Requests – AIS

99.99%

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

99.99%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.96%

HSBC Business Availability by Endpoint Category:

July 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:

July 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 Personal Availability by Endpoint Category:

July 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

99.99%

Balances

99.98%

Beneficiaries

99.99%

Direct Debits

100.0%

Payments – AIS

98.64%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

99.96%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.96%

Lloyds Availability by Endpoint Category:

July 2025
Account Requests – AIS

99.98%

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

99.99%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.93%

MBNA Availability by Endpoint Category:

July 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.65%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.97%

Mettle Availability by Endpoint Category:

July 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:

July 2025
Account Requests – AIS

99.83%

Account Requests – CoF

99.83%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.83%

payments-VRP

99.81%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

99.83%

Statements

100.0%

Transactions

99.99%

NWB Availability by Endpoint Category:

July 2025
Account Requests – AIS

99.84%

Account Requests – CoF

99.84%

Accounts

99.84%

Balances

99.84%

Beneficiaries

99.84%

Direct Debits

99.84%

Payments – AIS

99.98%

Payments – CoF

99.84%

Payments – PIS

99.84%

payments-VRP

99.84%

Products

99.84%

Standing Orders – AIS

99.84%

Standing Orders – PIS

99.84%

Statements

99.84%

Transactions

99.84%

RBS Availability by Endpoint Category:

July 2025
Account Requests – AIS

99.82%

Account Requests – CoF

99.81%

Accounts

99.82%

Balances

99.82%

Beneficiaries

99.82%

Direct Debits

99.82%

Payments – AIS

99.82%

Payments – CoF

99.81%

Payments – PIS

99.81%

payments-VRP

99.81%

Products

99.82%

Standing Orders – AIS

99.82%

Standing Orders – PIS

99.81%

Statements

99.82%

Transactions

99.82%

Santander UK plc Availability by Endpoint Category:

July 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%

UBN Availability by Endpoint Category:

July 2025
Account Requests – AIS

99.8%

Account Requests – CoF

99.79%

Accounts

99.8%

Balances

99.8%

Beneficiaries

99.8%

Direct Debits

99.8%

Payments – AIS

99.92%

Payments – CoF

99.79%

Payments – PIS

99.79%

payments-VRP

99.79%

Products

99.8%

Standing Orders – AIS

99.8%

Standing Orders – PIS

99.79%

Statements

99.86%

Transactions

99.8%

July 2025

Average API availability – weighted

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

Average weighted API availability

99.73%

Core hours (06:00-00:00)

99.84%

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

99.40%
July 2025

Average API availability by brand – weighted

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

July 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 July.

July 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 July.

July 2025

AIS availability by brand – weighted

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

July 2025

PIS availability by brand – weighted

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

July 2025

API availability by category – weighted

Select an account provider

AIB (NI) Availability by Endpoint Category:

July 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

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

100.0%

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

July 2025
Account Requests – AIS

100.0%

Accounts

100.0%

Balances

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%

Transactions

100.0%

Bank of Ireland UK Availability by Endpoint Category:

July 2025
Account Requests – AIS

97.45%

Account Requests – CoF

97.5%

Accounts

97.45%

Balances

97.45%

Beneficiaries

97.72%

Payments – AIS

97.45%

Payments – CoF

97.45%

Payments – PIS

97.45%

payments-VRP

97.5%

Products

97.45%

Standing Orders – AIS

97.45%

Standing Orders – PIS

97.45%

Statements

97.69%

Transactions

97.45%

Bank of Scotland Availability by Endpoint Category:

July 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.99%

Barclays Availability by Endpoint Category:

July 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:

July 2025
Account Requests – AIS

96.95%

Account Requests – CoF

98.66%

Accounts

97.72%

Balances

97.72%

Beneficiaries

97.72%

Direct Debits

98.03%

Payments – AIS

98.66%

Payments – CoF

98.52%

Payments – PIS

97.76%

Products

97.72%

Standing Orders – AIS

97.72%

Standing Orders – PIS

98.48%

Transactions

97.72%

Danske Bank Availability by Endpoint Category:

July 2025
Account Requests – AIS

99.95%

Account Requests – CoF

100.0%

Accounts

99.94%

Balances

99.94%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.96%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Transactions

99.94%

First Direct Availability by Endpoint Category:

July 2025
Account Requests – AIS

100.0%

Account Requests – CoF

99.99%

Accounts

99.98%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.96%

Halifax Availability by Endpoint Category:

July 2025
Account Requests – AIS

99.99%

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

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.96%

HSBC Business Availability by Endpoint Category:

July 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:

July 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 Personal Availability by Endpoint Category:

July 2025
Account Requests – AIS

100.0%

Account Requests – CoF

100.0%

Accounts

100.0%

Balances

99.98%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

98.64%

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

99.96%

Lloyds Availability by Endpoint Category:

July 2025
Account Requests – AIS

99.98%

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

100.0%

payments-VRP

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

100.0%

Statements

100.0%

Transactions

99.93%

MBNA Availability by Endpoint Category:

July 2025
Account Requests – AIS

100.0%

Accounts

100.0%

Balances

99.65%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – PIS

100.0%

Products

100.0%

Standing Orders – AIS

100.0%

Statements

100.0%

Transactions

99.97%

Mettle Availability by Endpoint Category:

July 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:

July 2025
Account Requests – AIS

99.99%

Account Requests – CoF

99.99%

Accounts

100.0%

Balances

100.0%

Beneficiaries

100.0%

Direct Debits

100.0%

Payments – AIS

100.0%

Payments – CoF

100.0%

Payments – PIS

99.95%

payments-VRP

99.99%

Products

100.0%

Standing Orders – AIS

100.0%

Standing Orders – PIS

99.93%

Statements

100.0%

Transactions

99.99%

NWB Availability by Endpoint Category:

July 2025
Account Requests – AIS

99.84%

Account Requests – CoF

99.84%

Accounts

99.84%

Balances

99.84%

Beneficiaries

99.84%

Direct Debits

99.84%

Payments – AIS

99.98%

Payments – CoF

99.84%

Payments – PIS

99.84%

payments-VRP

99.84%

Products

99.84%

Standing Orders – AIS

99.84%

Standing Orders – PIS

99.89%

Statements

99.84%

Transactions

99.84%

RBS Availability by Endpoint Category:

July 2025
Account Requests – AIS

99.82%

Account Requests – CoF

99.81%

Accounts

99.82%

Balances

99.82%

Beneficiaries

99.82%

Direct Debits

99.82%

Payments – AIS

99.82%

Payments – CoF

99.81%

Payments – PIS

99.81%

payments-VRP

99.81%

Products

99.82%

Standing Orders – AIS

99.82%

Standing Orders – PIS

99.83%

Statements

99.82%

Transactions

99.82%

Santander UK plc Availability by Endpoint Category:

July 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:

July 2025
Account Requests – AIS

99.8%

Account Requests – CoF

99.79%

Accounts

99.8%

Balances

99.8%

Beneficiaries

99.8%

Direct Debits

99.8%

Payments – AIS

99.92%

Payments – CoF

99.79%

Payments – PIS

99.79%

payments-VRP

99.79%

Products

99.8%

Standing Orders – AIS

99.8%

Standing Orders – PIS

99.79%

Statements

99.86%

Transactions

99.8%

July 2025

Average API response times

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

Average API Response Time

342 milliseconds
July 2025

Average API response times by brand

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

July 2025

Response times by brand

Select an account provider

AIB (NI) Response times (milliseconds):

July 2025
Account Requests – AIS

126ms

Accounts

82ms

Balances

52ms

Beneficiaries

6,244ms

Direct Debits

1,199ms

Payments – CoF

122ms

Payments – PIS

74ms

payments-VRP

84ms

Products

445ms

Standing Orders – AIS

158ms

Standing Orders – PIS

74ms

Transactions

63ms

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

July 2025
Account Requests – AIS

111ms

Accounts

56ms

Balances

37ms

Direct Debits

2,935ms

Payments – CoF

263ms

Payments – PIS

61ms

payments-VRP

146ms

Products

352ms

Standing Orders – AIS

156ms

Standing Orders – PIS

65ms

Transactions

45ms

Bank of Ireland UK Response times (milliseconds):

July 2025
Account Requests – AIS

169ms

Account Requests – CoF

444ms

Accounts

285ms

Balances

290ms

Beneficiaries

2,586ms

Payments – AIS

340ms

Payments – CoF

482ms

Payments – PIS

983ms

payments-VRP

1,325ms

Products

382ms

Standing Orders – AIS

469ms

Standing Orders – PIS

658ms

Statements

1,396ms

Transactions

312ms

Bank of Scotland Response times (milliseconds):

July 2025
Account Requests – AIS

267ms

Account Requests – CoF

291ms

Accounts

154ms

Balances

171ms

Beneficiaries

254ms

Direct Debits

240ms

Payments – AIS

222ms

Payments – CoF

246ms

Payments – PIS

465ms

payments-VRP

376ms

Products

441ms

Standing Orders – AIS

219ms

Standing Orders – PIS

480ms

Statements

403ms

Transactions

240ms

Barclays Response times (milliseconds):

July 2025
Account Requests – AIS

131ms

Account Requests – CoF

171ms

Accounts

298ms

Balances

209ms

Beneficiaries

269ms

Direct Debits

212ms

Payments – AIS

261ms

Payments – CoF

268ms

Payments – PIS

189ms

payments-VRP

253ms

Products

359ms

Standing Orders – AIS

215ms

Standing Orders – PIS

167ms

Statements

105ms

Transactions

264ms

Coutts Response times (milliseconds):

July 2025
Account Requests – AIS

910ms

Account Requests – CoF

990ms

Accounts

241ms

Balances

261ms

Beneficiaries

1,551ms

Direct Debits

1,398ms

Payments – AIS

130ms

Payments – CoF

337ms

Payments – PIS

895ms

Products

242ms

Standing Orders – AIS

209ms

Standing Orders – PIS

535ms

Transactions

298ms

Danske Bank Response times (milliseconds):

July 2025
Account Requests – AIS

49ms

Account Requests – CoF

477ms

Accounts

490ms

Balances

210ms

Beneficiaries

245ms

Direct Debits

347ms

Payments – AIS

286ms

Payments – CoF

103ms

Payments – PIS

99ms

payments-VRP

408ms

Products

148ms

Standing Orders – AIS

307ms

Standing Orders – PIS

100ms

Transactions

548ms

First Direct Response times (milliseconds):

July 2025
Account Requests – AIS

140ms

Account Requests – CoF

268ms

Accounts

287ms

Balances

288ms

Beneficiaries

377ms

Direct Debits

311ms

Payments – AIS

514ms

Payments – CoF

340ms

Payments – PIS

305ms

payments-VRP

347ms

Products

556ms

Standing Orders – AIS

536ms

Standing Orders – PIS

351ms

Statements

80ms

Transactions

452ms

Halifax Response times (milliseconds):

July 2025
Account Requests – AIS

269ms

Account Requests – CoF

271ms

Accounts

154ms

Balances

173ms

Beneficiaries

258ms

Direct Debits

239ms

Payments – AIS

221ms

Payments – CoF

246ms

Payments – PIS

461ms

payments-VRP

375ms

Products

442ms

Standing Orders – AIS

219ms

Standing Orders – PIS

566ms

Statements

401ms

Transactions

252ms

HSBC Business Response times (milliseconds):

July 2025
Account Requests – AIS

184ms

Account Requests – CoF

293ms

Accounts

351ms

Balances

341ms

Beneficiaries

235ms

Direct Debits

636ms

Payments – AIS

198ms

Payments – CoF

476ms

Payments – PIS

544ms

payments-VRP

380ms

Products

662ms

Standing Orders – AIS

222ms

Standing Orders – PIS

329ms

Statements

3,736ms

Transactions

418ms

HSBC Kinetic Response times (milliseconds):

July 2025
Account Requests – AIS

153ms

Account Requests – CoF

276ms

Accounts

392ms

Balances

377ms

Beneficiaries

628ms

Direct Debits

935ms

Payments – AIS

1,250ms

Payments – CoF

552ms

Payments – PIS

512ms

payments-VRP

423ms

Products

1,093ms

Standing Orders – AIS

1,140ms

Standing Orders – PIS

239ms

Transactions

553ms

HSBC Personal Response times (milliseconds):

July 2025
Account Requests – AIS

154ms

Account Requests – CoF

227ms

Accounts

283ms

Balances

275ms

Beneficiaries

379ms

Direct Debits

301ms

Payments – AIS

539ms

Payments – CoF

322ms

Payments – PIS

295ms

payments-VRP

340ms

Products

543ms

Standing Orders – AIS

565ms

Standing Orders – PIS

291ms

Statements

172ms

Transactions

438ms

Lloyds Response times (milliseconds):

July 2025
Account Requests – AIS

268ms

Account Requests – CoF

272ms

Accounts

154ms

Balances

171ms

Beneficiaries

258ms

Direct Debits

239ms

Payments – AIS

221ms

Payments – CoF

244ms

Payments – PIS

455ms

payments-VRP

373ms

Products

442ms

Standing Orders – AIS

219ms

Standing Orders – PIS

500ms

Statements

377ms

Transactions

240ms

MBNA Response times (milliseconds):

July 2025
Account Requests – AIS

271ms

Accounts

223ms

Balances

273ms

Beneficiaries

250ms

Direct Debits

172ms

Payments – AIS

170ms

Products

170ms

Standing Orders – AIS

171ms

Statements

343ms

Transactions

484ms

Mettle Response times (milliseconds):

July 2025
Account Requests – AIS

66ms

Accounts

92ms

Balances

77ms

Beneficiaries

46ms

Direct Debits

112ms

Payments – AIS

63ms

Payments – PIS

98ms

payments-VRP

61ms

Products

95ms

Standing Orders – AIS

7ms

Statements

468ms

Transactions

82ms

Nationwide Building Society Response times (milliseconds):

July 2025
Account Requests – AIS

128ms

Account Requests – CoF

228ms

Accounts

193ms

Balances

173ms

Beneficiaries

439ms

Direct Debits

519ms

Payments – AIS

252ms

Payments – CoF

225ms

Payments – PIS

291ms

payments-VRP

274ms

Products

183ms

Standing Orders – AIS

182ms

Standing Orders – PIS

323ms

Statements

606ms

Transactions

222ms

NWB Response times (milliseconds):

July 2025
Account Requests – AIS

147ms

Account Requests – CoF

339ms

Accounts

367ms

Balances

345ms

Beneficiaries

662ms

Direct Debits

226ms

Payments – AIS

240ms

Payments – CoF

199ms

Payments – PIS

333ms

payments-VRP

408ms

Products

276ms

Standing Orders – AIS

286ms

Standing Orders – PIS

293ms

Statements

164ms

Transactions

450ms

RBS Response times (milliseconds):

July 2025
Account Requests – AIS

160ms

Account Requests – CoF

368ms

Accounts

365ms

Balances

348ms

Beneficiaries

663ms

Direct Debits

243ms

Payments – AIS

280ms

Payments – CoF

211ms

Payments – PIS

359ms

payments-VRP

461ms

Products

274ms

Standing Orders – AIS

291ms

Standing Orders – PIS

313ms

Statements

207ms

Transactions

418ms

Santander UK plc Response times (milliseconds):

July 2025
Account Requests – AIS

376ms

Account Requests – CoF

446ms

Accounts

497ms

Balances

546ms

Beneficiaries

748ms

Direct Debits

605ms

Payments – CoF

507ms

Payments – PIS

598ms

payments-VRP

350ms

Products

483ms

Standing Orders – AIS

597ms

Standing Orders – PIS

1,045ms

Statements

543ms

Transactions

625ms

UBN Response times (milliseconds):

July 2025
Account Requests – AIS

176ms

Account Requests – CoF

524ms

Accounts

461ms

Balances

369ms

Beneficiaries

739ms

Direct Debits

260ms

Payments – AIS

275ms

Payments – CoF

299ms

Payments – PIS

408ms

payments-VRP

579ms

Products

296ms

Standing Orders – AIS

262ms

Standing Orders – PIS

345ms

Statements

156ms

Transactions

433ms

July 2025

Successful API calls

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

Successful API calls

Total calls 2,040,281,702 % of overall total calls 99.46%

AIS

Total calls 1639258546 % of overall total calls 79.91%

PIS

Total calls 130,234,360 % of overall total calls 6.35%
July 2025

Successful API calls by brand

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

July 2025

Successful AIS calls by brand

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

July 2025

Successful PIS calls by brand

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

July 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 July.

July 2025

Failed API calls

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

Failed API Calls

Total calls 11,052,438 % of overall total calls 0.54%

Business

Total calls 9,051,261 % of overall total calls 0.44%

Technical

Total calls 2,001,177 % of overall total calls 0.10%

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.

July 2025

Failed API calls by brand

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

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.

July 2025

Failed business calls by brand

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

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.

July 2025

Failed technical calls by brand

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

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.

July 2025

Rejected API calls

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

Rejected API Calls

Total calls 2,769,775 % of overall total calls 0.135%

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.

July 2025

Rejected API calls by brand

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

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.