API Performance StatsSelect a month:July 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 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 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 July 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. 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. 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. 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. 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. 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. July 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. 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. July 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. 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. July 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: 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% 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 July 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. Download chart 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. Download chart 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. Download chart July 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart July 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart July 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: 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% Average API response times Average API response times by brand Response times by brand July 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. Download chart July 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): 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 Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand July 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. Download chart 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. Download chart 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. Download chart 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. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand July 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. 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. 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. 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. 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. 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 July 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. 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:July 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
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 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 July 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. 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. 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. 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. 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. 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. July 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. 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. July 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. 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. July 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: 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% 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 July 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. Download chart 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. Download chart 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. Download chart July 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart July 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart July 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: 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% Average API response times Average API response times by brand Response times by brand July 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. Download chart July 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): 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 Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand July 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. Download chart 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. Download chart 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. Download chart 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. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand July 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. 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. 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. 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. 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. 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 July 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. 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.
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
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 July 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. 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. 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. 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. 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. 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. July 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. 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. July 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. 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. July 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: 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 – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. 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.
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. 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.
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. 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.
July 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. 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.
July 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. 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.
July 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: 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%
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 July 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. Download chart 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. Download chart 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. Download chart July 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart July 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart July 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: 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 availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. Download chart
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. Download chart
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. Download chart
July 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart
July 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart
July 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: 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%
Average API response times Average API response times by brand Response times by brand July 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. Download chart July 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): 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 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. Download chart
July 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): 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
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand July 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. Download chart 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. Download chart 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. Download chart 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. Download chart
July 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. Download chart
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. Download chart
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. Download chart
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. Download chart
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand July 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. 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. 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. 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. 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. 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.
July 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. 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.
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. 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.
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. 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 July 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. 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.
July 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in July. Download chart 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. 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.