API Performance StatsSelect a month:February 2026January 2026December 2025November 2025October 2025September 2025August 2025July 2025June 2025May 2025April 2025February 2025January 2025December 2024November 2024October 2024September 2024August 2024July 2024June 2024May 2024April 2024March 2024February 2024January 2024December 2023November 2023October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 2023December 2022November 2022October 2022September 2022August 2022July 2022June 2022May 2022Download historical data (last 12 months):Download dataHistoric Data Download- csv (CSV)Historic Data Download (PDF) Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.Notes on the data: Unweighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Weighted availability is calculated by applying a factor to the availability of each endpoint, each day, based on the proportion of total daily API calls to that endpoint.Notes on the data: Weighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Successful API calls This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Successful Payments This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Average API call response times This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart Open Banking User Connections All User Connections AIS User Connections PIS User Connections All User Connections This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. Download chart AIS User Connections This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart PIS User Connections This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart February key performance metrics99.59%Average API Availability328msAverage API Response Time99.46%Successful API Calls (%)99.98%Average API availability – weighted2233.3mSuccessful API Calls Actual0.54%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 February 2026 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Average API availability 99.59% Core hours (06:00-00:00) 99.73% Non core hours (00:00-06:00) 99.18% 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. February 2026 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.24% Payments – VRP 99.24% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.24% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.24% Payments – VRP 99.40% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.24% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: February 2026 Account Requests – AIS 99.62% Account Requests – COF 99.62% Accounts 99.62% Balances 99.62% Beneficiaries 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.62% Payments – VRP 99.62% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.62% Bank of Scotland Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.68% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: February 2026 Account Requests – AIS 96.95% Account Requests – COF 100.00% Accounts 96.95% Balances 96.95% Beneficiaries 98.88% Direct Debits 100.00% Payments – CoF 98.44% Payments – PIS 96.95% Payments – VRP 100.00% Products 97.84% Standing Orders – AIS 98.88% Standing Orders – PIS 97.84% Transactions 96.95% Danske Bank Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.99% First Direct Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.90% Halifax Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.71% Payments – VRP 99.59% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.72% Products 100.00% Standing Orders – AIS 99.99% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.82% Lloyds Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.72% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.64% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 99.93% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 99.97% Accounts 99.88% Balances 99.95% Beneficiaries 99.99% Direct Debits 99.86% Payments – AIS 100.00% Payments – CoF 99.97% Payments – PIS 99.53% Payments – VRP 99.76% Products 100.00% Standing Orders – AIS 99.87% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.86% NWB Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: February 2026 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 100.00% Payments – CoF 99.95% Payments – PIS 99.95% Payments – VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.95% UBN Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% 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 February 2026 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Average weighted API availability 99.98% Core hours (06:00-00:00) 99.98% Non core hours (00:00-06:00) 99.95% February 2026 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.59% Payments – VRP 99.18% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.30% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.36% Payments – VRP 99.32% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.29% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: February 2026 Account Requests – AIS 99.84% Account Requests – COF 94.89% Accounts 99.83% Balances 99.84% Beneficiaries 99.33% Payments – AIS 99.46% Payments – CoF 100.00% Payments – PIS 99.94% Payments – VRP 99.51% Products 99.77% Standing Orders – AIS 99.47% Standing Orders – PIS 99.92% Statements 99.42% Transactions 99.86% Bank of Scotland Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.81% Payments – VRP 99.89% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: February 2026 Account Requests – AIS 96.98% Account Requests – COF 100.00% Accounts 97.68% Balances 97.98% Beneficiaries 97.91% Direct Debits 100.00% Payments – CoF 99.50% Payments – PIS 98.89% Payments – VRP 100.00% Products 97.91% Standing Orders – AIS 95.93% Standing Orders – PIS 97.91% Transactions 97.82% Danske Bank Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.99% First Direct Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.88% Halifax Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 99.99% Payments – CoF 100.00% Payments – PIS 99.86% Payments – VRP 99.94% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.93% Products 100.00% Standing Orders – AIS 99.99% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.79% Lloyds Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.87% Payments – VRP 99.95% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 99.87% Beneficiaries 100.00% Direct Debits 100.00% Payments – PIS 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 99.99% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 99.99% Accounts 99.95% Balances 99.97% Beneficiaries 99.99% Direct Debits 99.84% Payments – AIS 100.00% Payments – CoF 99.98% Payments – PIS 99.99% Payments – VRP 99.95% Products 100.00% Standing Orders – AIS 99.83% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.93% NWB Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Average API response times Average API response times by brand Response times by brand February 2026 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Average API Response Time 328 milliseconds February 2026 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): February 2026 Account Requests – AIS 206ms Accounts 145ms Balances 115ms Direct Debits 1,328ms Payments – AIS 87ms Payments – CoF 195ms Payments – PIS 176ms Payments – VRP 146ms Products 484ms Standing Orders – AIS 449ms Standing Orders – PIS 279ms Transactions 127ms AIB Group (UK) p.l.c. Response times (milliseconds): February 2026 Account Requests – AIS 115ms Accounts 53ms Balances 38ms Direct Debits 1,384ms Payments – AIS 9ms Payments – CoF 130ms Payments – PIS 99ms Payments – VRP 172ms Products 283ms Standing Orders – AIS 93ms Standing Orders – PIS 80ms Transactions 46ms Bank of Ireland UK Response times (milliseconds): February 2026 Account Requests – AIS 168ms Account Requests – COF 306ms Accounts 286ms Balances 287ms Beneficiaries 648ms Payments – AIS 429ms Payments – CoF 487ms Payments – PIS 685ms Payments – VRP 643ms Products 305ms Standing Orders – AIS 466ms Standing Orders – PIS 421ms Statements 479ms Transactions 317ms Bank of Scotland Response times (milliseconds): February 2026 Account Requests – AIS 198ms Account Requests – COF 255ms Accounts 127ms Balances 144ms Beneficiaries 231ms Direct Debits 214ms Payments – AIS 258ms Payments – CoF 211ms Payments – PIS 386ms Payments – VRP 329ms Products 406ms Standing Orders – AIS 194ms Standing Orders – PIS 442ms Statements 347ms Transactions 232ms Barclays Response times (milliseconds): February 2026 Account Requests – AIS 114ms Account Requests – COF 197ms Accounts 157ms Balances 210ms Beneficiaries 151ms Direct Debits 213ms Payments – AIS 288ms Payments – CoF 275ms Payments – PIS 211ms Payments – VRP 262ms Products 344ms Standing Orders – AIS 230ms Standing Orders – PIS 173ms Statements 69ms Transactions 254ms Coutts Response times (milliseconds): February 2026 Account Requests – AIS 1,189ms Account Requests – COF 1,435ms Accounts 329ms Balances 354ms Beneficiaries 1,507ms Direct Debits 1,891ms Payments – CoF 466ms Payments – PIS 779ms Payments – VRP 2,223ms Products 357ms Standing Orders – AIS 392ms Standing Orders – PIS 644ms Transactions 432ms Danske Bank Response times (milliseconds): February 2026 Account Requests – AIS 69ms Account Requests – COF 232ms Accounts 604ms Balances 204ms Beneficiaries 232ms Direct Debits 391ms Payments – AIS 213ms Payments – CoF 117ms Payments – PIS 103ms Payments – VRP 257ms Products 147ms Standing Orders – AIS 297ms Standing Orders – PIS 80ms Transactions 758ms First Direct Response times (milliseconds): February 2026 Account Requests – AIS 155ms Account Requests – COF 309ms Accounts 321ms Balances 343ms Beneficiaries 653ms Direct Debits 542ms Payments – AIS 811ms Payments – CoF 438ms Payments – PIS 280ms Payments – VRP 347ms Products 620ms Standing Orders – AIS 489ms Standing Orders – PIS 300ms Statements 108ms Transactions 517ms Halifax Response times (milliseconds): February 2026 Account Requests – AIS 207ms Account Requests – COF 255ms Accounts 127ms Balances 145ms Beneficiaries 230ms Direct Debits 214ms Payments – AIS 208ms Payments – CoF 211ms Payments – PIS 421ms Payments – VRP 326ms Products 408ms Standing Orders – AIS 193ms Standing Orders – PIS 514ms Statements 360ms Transactions 242ms HSBC Business Response times (milliseconds): February 2026 Account Requests – AIS 191ms Account Requests – COF 302ms Accounts 328ms Balances 314ms Beneficiaries 282ms Direct Debits 626ms Payments – AIS 230ms Payments – CoF 491ms Payments – PIS 493ms Payments – VRP 480ms Products 658ms Standing Orders – AIS 310ms Standing Orders – PIS 424ms Statements 519ms Transactions 402ms HSBC Kinetic Response times (milliseconds): February 2026 Account Requests – AIS 155ms Account Requests – COF 289ms Accounts 405ms Balances 399ms Beneficiaries 685ms Direct Debits 1,244ms Payments – AIS 1,193ms Payments – CoF 592ms Payments – PIS 383ms Payments – VRP 449ms Products 1,404ms Standing Orders – AIS 1,176ms Standing Orders – PIS 274ms Statements 2,658ms Transactions 598ms HSBC Personal Response times (milliseconds): February 2026 Account Requests – AIS 163ms Account Requests – COF 290ms Accounts 310ms Balances 334ms Beneficiaries 612ms Direct Debits 536ms Payments – AIS 858ms Payments – CoF 426ms Payments – PIS 276ms Payments – VRP 334ms Products 600ms Standing Orders – AIS 546ms Standing Orders – PIS 300ms Statements 308ms Transactions 517ms Lloyds Response times (milliseconds): February 2026 Account Requests – AIS 208ms Account Requests – COF 244ms Accounts 127ms Balances 143ms Beneficiaries 229ms Direct Debits 214ms Payments – AIS 227ms Payments – CoF 209ms Payments – PIS 411ms Payments – VRP 325ms Products 406ms Standing Orders – AIS 193ms Standing Orders – PIS 503ms Statements 353ms Transactions 224ms MBNA Response times (milliseconds): February 2026 Account Requests – AIS 211ms Accounts 127ms Balances 243ms Beneficiaries 230ms Direct Debits 340ms Payments – PIS 216ms Products 148ms Standing Orders – AIS 159ms Statements 320ms Transactions 442ms Mettle Response times (milliseconds): February 2026 Account Requests – AIS 77ms Accounts 94ms Balances 79ms Beneficiaries 57ms Direct Debits 126ms Payments – AIS 55ms Payments – PIS 167ms Payments – VRP 148ms Products 87ms Standing Orders – AIS 9ms Statements 555ms Transactions 86ms Nationwide Building Society Response times (milliseconds): February 2026 Account Requests – AIS 158ms Account Requests – COF 264ms Accounts 244ms Balances 208ms Beneficiaries 363ms Direct Debits 627ms Payments – AIS 168ms Payments – CoF 254ms Payments – PIS 353ms Payments – VRP 310ms Products 244ms Standing Orders – AIS 252ms Standing Orders – PIS 366ms Statements 401ms Transactions 230ms NWB Response times (milliseconds): February 2026 Account Requests – AIS 166ms Account Requests – COF 387ms Accounts 461ms Balances 433ms Beneficiaries 728ms Direct Debits 247ms Payments – AIS 267ms Payments – CoF 261ms Payments – PIS 369ms Payments – VRP 330ms Products 295ms Standing Orders – AIS 275ms Standing Orders – PIS 282ms Statements 190ms Transactions 525ms RBS Response times (milliseconds): February 2026 Account Requests – AIS 167ms Account Requests – COF 427ms Accounts 442ms Balances 427ms Beneficiaries 752ms Direct Debits 258ms Payments – AIS 277ms Payments – CoF 277ms Payments – PIS 404ms Payments – VRP 362ms Products 284ms Standing Orders – AIS 272ms Standing Orders – PIS 346ms Statements 223ms Transactions 480ms Santander UK plc Response times (milliseconds): February 2026 Account Requests – AIS 210ms Account Requests – COF 314ms Accounts 284ms Balances 350ms Beneficiaries 517ms Direct Debits 461ms Payments – CoF 331ms Payments – PIS 254ms Payments – VRP 229ms Products 326ms Standing Orders – AIS 445ms Standing Orders – PIS 301ms Statements 473ms Transactions 431ms UBN Response times (milliseconds): February 2026 Account Requests – AIS 171ms Account Requests – COF 571ms Accounts 438ms Balances 376ms Beneficiaries 992ms Direct Debits 279ms Payments – AIS 285ms Payments – CoF 293ms Payments – PIS 411ms Payments – VRP 409ms Products 297ms Standing Orders – AIS 286ms Standing Orders – PIS 289ms Statements 162ms Transactions 448ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand February 2026 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Successful API calls Total calls 2233344487 % of overall total calls 99.46% AIS Total calls 1795028695 % of overall total calls 99.48% PIS Total calls 137025067 % of overall total calls 98.67% February 2026 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand February 2026 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Failed API Calls Total calls 12,159,692 % of overall total calls 0.54% Business Total calls 9,988,210 % of overall total calls 0.44% Technical Total calls 2,171,482 % 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. February 2026 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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 February 2026 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Rejected API Calls Total calls 2,735,612 % of overall total calls 0.122% 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. February 2026 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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:February 2026January 2026December 2025November 2025October 2025September 2025August 2025July 2025June 2025May 2025April 2025February 2025January 2025December 2024November 2024October 2024September 2024August 2024July 2024June 2024May 2024April 2024March 2024February 2024January 2024December 2023November 2023October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 2023December 2022November 2022October 2022September 2022August 2022July 2022June 2022May 2022Download historical data (last 12 months):Download dataHistoric Data Download- csv (CSV)Historic Data Download (PDF)
Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.Notes on the data: Unweighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Weighted availability is calculated by applying a factor to the availability of each endpoint, each day, based on the proportion of total daily API calls to that endpoint.Notes on the data: Weighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Successful API calls This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Successful Payments This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Average API call response times This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Download chart
Open Banking User Connections All User Connections AIS User Connections PIS User Connections All User Connections This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. Download chart AIS User Connections This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart PIS User Connections This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart
All User Connections This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. Download chart
AIS User Connections This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart
PIS User Connections This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart Download chart
February key performance metrics99.59%Average API Availability328msAverage API Response Time99.46%Successful API Calls (%)99.98%Average API availability – weighted2233.3mSuccessful API Calls Actual0.54%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 February 2026 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Average API availability 99.59% Core hours (06:00-00:00) 99.73% Non core hours (00:00-06:00) 99.18% 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. February 2026 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.24% Payments – VRP 99.24% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.24% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.24% Payments – VRP 99.40% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.24% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: February 2026 Account Requests – AIS 99.62% Account Requests – COF 99.62% Accounts 99.62% Balances 99.62% Beneficiaries 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.62% Payments – VRP 99.62% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.62% Bank of Scotland Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.68% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: February 2026 Account Requests – AIS 96.95% Account Requests – COF 100.00% Accounts 96.95% Balances 96.95% Beneficiaries 98.88% Direct Debits 100.00% Payments – CoF 98.44% Payments – PIS 96.95% Payments – VRP 100.00% Products 97.84% Standing Orders – AIS 98.88% Standing Orders – PIS 97.84% Transactions 96.95% Danske Bank Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.99% First Direct Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.90% Halifax Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.71% Payments – VRP 99.59% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.72% Products 100.00% Standing Orders – AIS 99.99% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.82% Lloyds Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.72% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.64% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 99.93% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 99.97% Accounts 99.88% Balances 99.95% Beneficiaries 99.99% Direct Debits 99.86% Payments – AIS 100.00% Payments – CoF 99.97% Payments – PIS 99.53% Payments – VRP 99.76% Products 100.00% Standing Orders – AIS 99.87% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.86% NWB Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: February 2026 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 100.00% Payments – CoF 99.95% Payments – PIS 99.95% Payments – VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.95% UBN Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% 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 February 2026 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Average weighted API availability 99.98% Core hours (06:00-00:00) 99.98% Non core hours (00:00-06:00) 99.95% February 2026 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.59% Payments – VRP 99.18% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.30% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.36% Payments – VRP 99.32% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.29% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: February 2026 Account Requests – AIS 99.84% Account Requests – COF 94.89% Accounts 99.83% Balances 99.84% Beneficiaries 99.33% Payments – AIS 99.46% Payments – CoF 100.00% Payments – PIS 99.94% Payments – VRP 99.51% Products 99.77% Standing Orders – AIS 99.47% Standing Orders – PIS 99.92% Statements 99.42% Transactions 99.86% Bank of Scotland Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.81% Payments – VRP 99.89% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: February 2026 Account Requests – AIS 96.98% Account Requests – COF 100.00% Accounts 97.68% Balances 97.98% Beneficiaries 97.91% Direct Debits 100.00% Payments – CoF 99.50% Payments – PIS 98.89% Payments – VRP 100.00% Products 97.91% Standing Orders – AIS 95.93% Standing Orders – PIS 97.91% Transactions 97.82% Danske Bank Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.99% First Direct Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.88% Halifax Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 99.99% Payments – CoF 100.00% Payments – PIS 99.86% Payments – VRP 99.94% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.93% Products 100.00% Standing Orders – AIS 99.99% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.79% Lloyds Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.87% Payments – VRP 99.95% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 99.87% Beneficiaries 100.00% Direct Debits 100.00% Payments – PIS 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 99.99% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 99.99% Accounts 99.95% Balances 99.97% Beneficiaries 99.99% Direct Debits 99.84% Payments – AIS 100.00% Payments – CoF 99.98% Payments – PIS 99.99% Payments – VRP 99.95% Products 100.00% Standing Orders – AIS 99.83% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.93% NWB Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Average API response times Average API response times by brand Response times by brand February 2026 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Average API Response Time 328 milliseconds February 2026 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): February 2026 Account Requests – AIS 206ms Accounts 145ms Balances 115ms Direct Debits 1,328ms Payments – AIS 87ms Payments – CoF 195ms Payments – PIS 176ms Payments – VRP 146ms Products 484ms Standing Orders – AIS 449ms Standing Orders – PIS 279ms Transactions 127ms AIB Group (UK) p.l.c. Response times (milliseconds): February 2026 Account Requests – AIS 115ms Accounts 53ms Balances 38ms Direct Debits 1,384ms Payments – AIS 9ms Payments – CoF 130ms Payments – PIS 99ms Payments – VRP 172ms Products 283ms Standing Orders – AIS 93ms Standing Orders – PIS 80ms Transactions 46ms Bank of Ireland UK Response times (milliseconds): February 2026 Account Requests – AIS 168ms Account Requests – COF 306ms Accounts 286ms Balances 287ms Beneficiaries 648ms Payments – AIS 429ms Payments – CoF 487ms Payments – PIS 685ms Payments – VRP 643ms Products 305ms Standing Orders – AIS 466ms Standing Orders – PIS 421ms Statements 479ms Transactions 317ms Bank of Scotland Response times (milliseconds): February 2026 Account Requests – AIS 198ms Account Requests – COF 255ms Accounts 127ms Balances 144ms Beneficiaries 231ms Direct Debits 214ms Payments – AIS 258ms Payments – CoF 211ms Payments – PIS 386ms Payments – VRP 329ms Products 406ms Standing Orders – AIS 194ms Standing Orders – PIS 442ms Statements 347ms Transactions 232ms Barclays Response times (milliseconds): February 2026 Account Requests – AIS 114ms Account Requests – COF 197ms Accounts 157ms Balances 210ms Beneficiaries 151ms Direct Debits 213ms Payments – AIS 288ms Payments – CoF 275ms Payments – PIS 211ms Payments – VRP 262ms Products 344ms Standing Orders – AIS 230ms Standing Orders – PIS 173ms Statements 69ms Transactions 254ms Coutts Response times (milliseconds): February 2026 Account Requests – AIS 1,189ms Account Requests – COF 1,435ms Accounts 329ms Balances 354ms Beneficiaries 1,507ms Direct Debits 1,891ms Payments – CoF 466ms Payments – PIS 779ms Payments – VRP 2,223ms Products 357ms Standing Orders – AIS 392ms Standing Orders – PIS 644ms Transactions 432ms Danske Bank Response times (milliseconds): February 2026 Account Requests – AIS 69ms Account Requests – COF 232ms Accounts 604ms Balances 204ms Beneficiaries 232ms Direct Debits 391ms Payments – AIS 213ms Payments – CoF 117ms Payments – PIS 103ms Payments – VRP 257ms Products 147ms Standing Orders – AIS 297ms Standing Orders – PIS 80ms Transactions 758ms First Direct Response times (milliseconds): February 2026 Account Requests – AIS 155ms Account Requests – COF 309ms Accounts 321ms Balances 343ms Beneficiaries 653ms Direct Debits 542ms Payments – AIS 811ms Payments – CoF 438ms Payments – PIS 280ms Payments – VRP 347ms Products 620ms Standing Orders – AIS 489ms Standing Orders – PIS 300ms Statements 108ms Transactions 517ms Halifax Response times (milliseconds): February 2026 Account Requests – AIS 207ms Account Requests – COF 255ms Accounts 127ms Balances 145ms Beneficiaries 230ms Direct Debits 214ms Payments – AIS 208ms Payments – CoF 211ms Payments – PIS 421ms Payments – VRP 326ms Products 408ms Standing Orders – AIS 193ms Standing Orders – PIS 514ms Statements 360ms Transactions 242ms HSBC Business Response times (milliseconds): February 2026 Account Requests – AIS 191ms Account Requests – COF 302ms Accounts 328ms Balances 314ms Beneficiaries 282ms Direct Debits 626ms Payments – AIS 230ms Payments – CoF 491ms Payments – PIS 493ms Payments – VRP 480ms Products 658ms Standing Orders – AIS 310ms Standing Orders – PIS 424ms Statements 519ms Transactions 402ms HSBC Kinetic Response times (milliseconds): February 2026 Account Requests – AIS 155ms Account Requests – COF 289ms Accounts 405ms Balances 399ms Beneficiaries 685ms Direct Debits 1,244ms Payments – AIS 1,193ms Payments – CoF 592ms Payments – PIS 383ms Payments – VRP 449ms Products 1,404ms Standing Orders – AIS 1,176ms Standing Orders – PIS 274ms Statements 2,658ms Transactions 598ms HSBC Personal Response times (milliseconds): February 2026 Account Requests – AIS 163ms Account Requests – COF 290ms Accounts 310ms Balances 334ms Beneficiaries 612ms Direct Debits 536ms Payments – AIS 858ms Payments – CoF 426ms Payments – PIS 276ms Payments – VRP 334ms Products 600ms Standing Orders – AIS 546ms Standing Orders – PIS 300ms Statements 308ms Transactions 517ms Lloyds Response times (milliseconds): February 2026 Account Requests – AIS 208ms Account Requests – COF 244ms Accounts 127ms Balances 143ms Beneficiaries 229ms Direct Debits 214ms Payments – AIS 227ms Payments – CoF 209ms Payments – PIS 411ms Payments – VRP 325ms Products 406ms Standing Orders – AIS 193ms Standing Orders – PIS 503ms Statements 353ms Transactions 224ms MBNA Response times (milliseconds): February 2026 Account Requests – AIS 211ms Accounts 127ms Balances 243ms Beneficiaries 230ms Direct Debits 340ms Payments – PIS 216ms Products 148ms Standing Orders – AIS 159ms Statements 320ms Transactions 442ms Mettle Response times (milliseconds): February 2026 Account Requests – AIS 77ms Accounts 94ms Balances 79ms Beneficiaries 57ms Direct Debits 126ms Payments – AIS 55ms Payments – PIS 167ms Payments – VRP 148ms Products 87ms Standing Orders – AIS 9ms Statements 555ms Transactions 86ms Nationwide Building Society Response times (milliseconds): February 2026 Account Requests – AIS 158ms Account Requests – COF 264ms Accounts 244ms Balances 208ms Beneficiaries 363ms Direct Debits 627ms Payments – AIS 168ms Payments – CoF 254ms Payments – PIS 353ms Payments – VRP 310ms Products 244ms Standing Orders – AIS 252ms Standing Orders – PIS 366ms Statements 401ms Transactions 230ms NWB Response times (milliseconds): February 2026 Account Requests – AIS 166ms Account Requests – COF 387ms Accounts 461ms Balances 433ms Beneficiaries 728ms Direct Debits 247ms Payments – AIS 267ms Payments – CoF 261ms Payments – PIS 369ms Payments – VRP 330ms Products 295ms Standing Orders – AIS 275ms Standing Orders – PIS 282ms Statements 190ms Transactions 525ms RBS Response times (milliseconds): February 2026 Account Requests – AIS 167ms Account Requests – COF 427ms Accounts 442ms Balances 427ms Beneficiaries 752ms Direct Debits 258ms Payments – AIS 277ms Payments – CoF 277ms Payments – PIS 404ms Payments – VRP 362ms Products 284ms Standing Orders – AIS 272ms Standing Orders – PIS 346ms Statements 223ms Transactions 480ms Santander UK plc Response times (milliseconds): February 2026 Account Requests – AIS 210ms Account Requests – COF 314ms Accounts 284ms Balances 350ms Beneficiaries 517ms Direct Debits 461ms Payments – CoF 331ms Payments – PIS 254ms Payments – VRP 229ms Products 326ms Standing Orders – AIS 445ms Standing Orders – PIS 301ms Statements 473ms Transactions 431ms UBN Response times (milliseconds): February 2026 Account Requests – AIS 171ms Account Requests – COF 571ms Accounts 438ms Balances 376ms Beneficiaries 992ms Direct Debits 279ms Payments – AIS 285ms Payments – CoF 293ms Payments – PIS 411ms Payments – VRP 409ms Products 297ms Standing Orders – AIS 286ms Standing Orders – PIS 289ms Statements 162ms Transactions 448ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand February 2026 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Successful API calls Total calls 2233344487 % of overall total calls 99.46% AIS Total calls 1795028695 % of overall total calls 99.48% PIS Total calls 137025067 % of overall total calls 98.67% February 2026 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand February 2026 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Failed API Calls Total calls 12,159,692 % of overall total calls 0.54% Business Total calls 9,988,210 % of overall total calls 0.44% Technical Total calls 2,171,482 % 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. February 2026 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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 February 2026 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Rejected API Calls Total calls 2,735,612 % of overall total calls 0.122% 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. February 2026 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted February 2026 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Average API availability 99.59% Core hours (06:00-00:00) 99.73% Non core hours (00:00-06:00) 99.18% 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. February 2026 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.24% Payments – VRP 99.24% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.24% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.24% Payments – VRP 99.40% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.24% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: February 2026 Account Requests – AIS 99.62% Account Requests – COF 99.62% Accounts 99.62% Balances 99.62% Beneficiaries 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.62% Payments – VRP 99.62% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.62% Bank of Scotland Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.68% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: February 2026 Account Requests – AIS 96.95% Account Requests – COF 100.00% Accounts 96.95% Balances 96.95% Beneficiaries 98.88% Direct Debits 100.00% Payments – CoF 98.44% Payments – PIS 96.95% Payments – VRP 100.00% Products 97.84% Standing Orders – AIS 98.88% Standing Orders – PIS 97.84% Transactions 96.95% Danske Bank Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.99% First Direct Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.90% Halifax Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.71% Payments – VRP 99.59% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.72% Products 100.00% Standing Orders – AIS 99.99% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.82% Lloyds Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.72% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.64% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 99.93% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 99.97% Accounts 99.88% Balances 99.95% Beneficiaries 99.99% Direct Debits 99.86% Payments – AIS 100.00% Payments – CoF 99.97% Payments – PIS 99.53% Payments – VRP 99.76% Products 100.00% Standing Orders – AIS 99.87% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.86% NWB Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: February 2026 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 100.00% Payments – CoF 99.95% Payments – PIS 99.95% Payments – VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.95% UBN Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00%
February 2026 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Average API availability 99.59% Core hours (06:00-00:00) 99.73% Non core hours (00:00-06:00) 99.18% 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.
February 2026 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2026 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2026 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2026 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2026 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2026 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.24% Payments – VRP 99.24% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.24% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.24% Payments – VRP 99.40% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.24% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: February 2026 Account Requests – AIS 99.62% Account Requests – COF 99.62% Accounts 99.62% Balances 99.62% Beneficiaries 99.62% Payments – AIS 99.62% Payments – CoF 99.62% Payments – PIS 99.62% Payments – VRP 99.62% Products 99.62% Standing Orders – AIS 99.62% Standing Orders – PIS 99.62% Statements 99.62% Transactions 99.62% Bank of Scotland Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.68% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: February 2026 Account Requests – AIS 96.95% Account Requests – COF 100.00% Accounts 96.95% Balances 96.95% Beneficiaries 98.88% Direct Debits 100.00% Payments – CoF 98.44% Payments – PIS 96.95% Payments – VRP 100.00% Products 97.84% Standing Orders – AIS 98.88% Standing Orders – PIS 97.84% Transactions 96.95% Danske Bank Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.99% First Direct Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.90% Halifax Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.71% Payments – VRP 99.59% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.72% Products 100.00% Standing Orders – AIS 99.99% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.82% Lloyds Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.72% Payments – VRP 99.58% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 99.64% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 99.93% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 99.97% Accounts 99.88% Balances 99.95% Beneficiaries 99.99% Direct Debits 99.86% Payments – AIS 100.00% Payments – CoF 99.97% Payments – PIS 99.53% Payments – VRP 99.76% Products 100.00% Standing Orders – AIS 99.87% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.86% NWB Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: February 2026 Account Requests – AIS 99.95% Account Requests – COF 100.00% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 100.00% Payments – CoF 99.95% Payments – PIS 99.95% Payments – VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.95% UBN Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00%
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 February 2026 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Average weighted API availability 99.98% Core hours (06:00-00:00) 99.98% Non core hours (00:00-06:00) 99.95% February 2026 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.59% Payments – VRP 99.18% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.30% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.36% Payments – VRP 99.32% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.29% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: February 2026 Account Requests – AIS 99.84% Account Requests – COF 94.89% Accounts 99.83% Balances 99.84% Beneficiaries 99.33% Payments – AIS 99.46% Payments – CoF 100.00% Payments – PIS 99.94% Payments – VRP 99.51% Products 99.77% Standing Orders – AIS 99.47% Standing Orders – PIS 99.92% Statements 99.42% Transactions 99.86% Bank of Scotland Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.81% Payments – VRP 99.89% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: February 2026 Account Requests – AIS 96.98% Account Requests – COF 100.00% Accounts 97.68% Balances 97.98% Beneficiaries 97.91% Direct Debits 100.00% Payments – CoF 99.50% Payments – PIS 98.89% Payments – VRP 100.00% Products 97.91% Standing Orders – AIS 95.93% Standing Orders – PIS 97.91% Transactions 97.82% Danske Bank Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.99% First Direct Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.88% Halifax Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 99.99% Payments – CoF 100.00% Payments – PIS 99.86% Payments – VRP 99.94% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.93% Products 100.00% Standing Orders – AIS 99.99% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.79% Lloyds Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.87% Payments – VRP 99.95% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 99.87% Beneficiaries 100.00% Direct Debits 100.00% Payments – PIS 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 99.99% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 99.99% Accounts 99.95% Balances 99.97% Beneficiaries 99.99% Direct Debits 99.84% Payments – AIS 100.00% Payments – CoF 99.98% Payments – PIS 99.99% Payments – VRP 99.95% Products 100.00% Standing Orders – AIS 99.83% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.93% NWB Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00%
February 2026 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Average weighted API availability 99.98% Core hours (06:00-00:00) 99.98% Non core hours (00:00-06:00) 99.95%
February 2026 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart
February 2026 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart
February 2026 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart
February 2026 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart
February 2026 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart
February 2026 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.59% Payments – VRP 99.18% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.30% Transactions 100.00% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.36% Payments – VRP 99.32% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 99.29% Transactions 100.00% Bank of Ireland UK Availability by Endpoint Category: February 2026 Account Requests – AIS 99.84% Account Requests – COF 94.89% Accounts 99.83% Balances 99.84% Beneficiaries 99.33% Payments – AIS 99.46% Payments – CoF 100.00% Payments – PIS 99.94% Payments – VRP 99.51% Products 99.77% Standing Orders – AIS 99.47% Standing Orders – PIS 99.92% Statements 99.42% Transactions 99.86% Bank of Scotland Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.81% Payments – VRP 99.89% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Barclays Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Coutts Availability by Endpoint Category: February 2026 Account Requests – AIS 96.98% Account Requests – COF 100.00% Accounts 97.68% Balances 97.98% Beneficiaries 97.91% Direct Debits 100.00% Payments – CoF 99.50% Payments – PIS 98.89% Payments – VRP 100.00% Products 97.91% Standing Orders – AIS 95.93% Standing Orders – PIS 97.91% Transactions 97.82% Danske Bank Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.99% Balances 99.99% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Transactions 99.99% First Direct Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.88% Halifax Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 99.99% Payments – CoF 100.00% Payments – PIS 99.86% Payments – VRP 99.94% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Business Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Kinetic Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 99.96% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% HSBC Personal Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 99.93% Products 100.00% Standing Orders – AIS 99.99% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.79% Lloyds Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 99.87% Payments – VRP 99.95% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% MBNA Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 99.87% Beneficiaries 100.00% Direct Debits 100.00% Payments – PIS 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Mettle Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – PIS 99.99% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Statements 100.00% Transactions 100.00% Nationwide Building Society Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 99.99% Accounts 99.95% Balances 99.97% Beneficiaries 99.99% Direct Debits 99.84% Payments – AIS 100.00% Payments – CoF 99.98% Payments – PIS 99.99% Payments – VRP 99.95% Products 100.00% Standing Orders – AIS 99.83% Standing Orders – PIS 100.00% Statements 100.00% Transactions 99.93% NWB Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% RBS Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% Santander UK plc Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00% UBN Availability by Endpoint Category: February 2026 Account Requests – AIS 100.00% Account Requests – COF 100.00% Accounts 100.00% Balances 100.00% Beneficiaries 100.00% Direct Debits 100.00% Payments – AIS 100.00% Payments – CoF 100.00% Payments – PIS 100.00% Payments – VRP 100.00% Products 100.00% Standing Orders – AIS 100.00% Standing Orders – PIS 100.00% Statements 100.00% Transactions 100.00%
Average API response times Average API response times by brand Response times by brand February 2026 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Average API Response Time 328 milliseconds February 2026 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): February 2026 Account Requests – AIS 206ms Accounts 145ms Balances 115ms Direct Debits 1,328ms Payments – AIS 87ms Payments – CoF 195ms Payments – PIS 176ms Payments – VRP 146ms Products 484ms Standing Orders – AIS 449ms Standing Orders – PIS 279ms Transactions 127ms AIB Group (UK) p.l.c. Response times (milliseconds): February 2026 Account Requests – AIS 115ms Accounts 53ms Balances 38ms Direct Debits 1,384ms Payments – AIS 9ms Payments – CoF 130ms Payments – PIS 99ms Payments – VRP 172ms Products 283ms Standing Orders – AIS 93ms Standing Orders – PIS 80ms Transactions 46ms Bank of Ireland UK Response times (milliseconds): February 2026 Account Requests – AIS 168ms Account Requests – COF 306ms Accounts 286ms Balances 287ms Beneficiaries 648ms Payments – AIS 429ms Payments – CoF 487ms Payments – PIS 685ms Payments – VRP 643ms Products 305ms Standing Orders – AIS 466ms Standing Orders – PIS 421ms Statements 479ms Transactions 317ms Bank of Scotland Response times (milliseconds): February 2026 Account Requests – AIS 198ms Account Requests – COF 255ms Accounts 127ms Balances 144ms Beneficiaries 231ms Direct Debits 214ms Payments – AIS 258ms Payments – CoF 211ms Payments – PIS 386ms Payments – VRP 329ms Products 406ms Standing Orders – AIS 194ms Standing Orders – PIS 442ms Statements 347ms Transactions 232ms Barclays Response times (milliseconds): February 2026 Account Requests – AIS 114ms Account Requests – COF 197ms Accounts 157ms Balances 210ms Beneficiaries 151ms Direct Debits 213ms Payments – AIS 288ms Payments – CoF 275ms Payments – PIS 211ms Payments – VRP 262ms Products 344ms Standing Orders – AIS 230ms Standing Orders – PIS 173ms Statements 69ms Transactions 254ms Coutts Response times (milliseconds): February 2026 Account Requests – AIS 1,189ms Account Requests – COF 1,435ms Accounts 329ms Balances 354ms Beneficiaries 1,507ms Direct Debits 1,891ms Payments – CoF 466ms Payments – PIS 779ms Payments – VRP 2,223ms Products 357ms Standing Orders – AIS 392ms Standing Orders – PIS 644ms Transactions 432ms Danske Bank Response times (milliseconds): February 2026 Account Requests – AIS 69ms Account Requests – COF 232ms Accounts 604ms Balances 204ms Beneficiaries 232ms Direct Debits 391ms Payments – AIS 213ms Payments – CoF 117ms Payments – PIS 103ms Payments – VRP 257ms Products 147ms Standing Orders – AIS 297ms Standing Orders – PIS 80ms Transactions 758ms First Direct Response times (milliseconds): February 2026 Account Requests – AIS 155ms Account Requests – COF 309ms Accounts 321ms Balances 343ms Beneficiaries 653ms Direct Debits 542ms Payments – AIS 811ms Payments – CoF 438ms Payments – PIS 280ms Payments – VRP 347ms Products 620ms Standing Orders – AIS 489ms Standing Orders – PIS 300ms Statements 108ms Transactions 517ms Halifax Response times (milliseconds): February 2026 Account Requests – AIS 207ms Account Requests – COF 255ms Accounts 127ms Balances 145ms Beneficiaries 230ms Direct Debits 214ms Payments – AIS 208ms Payments – CoF 211ms Payments – PIS 421ms Payments – VRP 326ms Products 408ms Standing Orders – AIS 193ms Standing Orders – PIS 514ms Statements 360ms Transactions 242ms HSBC Business Response times (milliseconds): February 2026 Account Requests – AIS 191ms Account Requests – COF 302ms Accounts 328ms Balances 314ms Beneficiaries 282ms Direct Debits 626ms Payments – AIS 230ms Payments – CoF 491ms Payments – PIS 493ms Payments – VRP 480ms Products 658ms Standing Orders – AIS 310ms Standing Orders – PIS 424ms Statements 519ms Transactions 402ms HSBC Kinetic Response times (milliseconds): February 2026 Account Requests – AIS 155ms Account Requests – COF 289ms Accounts 405ms Balances 399ms Beneficiaries 685ms Direct Debits 1,244ms Payments – AIS 1,193ms Payments – CoF 592ms Payments – PIS 383ms Payments – VRP 449ms Products 1,404ms Standing Orders – AIS 1,176ms Standing Orders – PIS 274ms Statements 2,658ms Transactions 598ms HSBC Personal Response times (milliseconds): February 2026 Account Requests – AIS 163ms Account Requests – COF 290ms Accounts 310ms Balances 334ms Beneficiaries 612ms Direct Debits 536ms Payments – AIS 858ms Payments – CoF 426ms Payments – PIS 276ms Payments – VRP 334ms Products 600ms Standing Orders – AIS 546ms Standing Orders – PIS 300ms Statements 308ms Transactions 517ms Lloyds Response times (milliseconds): February 2026 Account Requests – AIS 208ms Account Requests – COF 244ms Accounts 127ms Balances 143ms Beneficiaries 229ms Direct Debits 214ms Payments – AIS 227ms Payments – CoF 209ms Payments – PIS 411ms Payments – VRP 325ms Products 406ms Standing Orders – AIS 193ms Standing Orders – PIS 503ms Statements 353ms Transactions 224ms MBNA Response times (milliseconds): February 2026 Account Requests – AIS 211ms Accounts 127ms Balances 243ms Beneficiaries 230ms Direct Debits 340ms Payments – PIS 216ms Products 148ms Standing Orders – AIS 159ms Statements 320ms Transactions 442ms Mettle Response times (milliseconds): February 2026 Account Requests – AIS 77ms Accounts 94ms Balances 79ms Beneficiaries 57ms Direct Debits 126ms Payments – AIS 55ms Payments – PIS 167ms Payments – VRP 148ms Products 87ms Standing Orders – AIS 9ms Statements 555ms Transactions 86ms Nationwide Building Society Response times (milliseconds): February 2026 Account Requests – AIS 158ms Account Requests – COF 264ms Accounts 244ms Balances 208ms Beneficiaries 363ms Direct Debits 627ms Payments – AIS 168ms Payments – CoF 254ms Payments – PIS 353ms Payments – VRP 310ms Products 244ms Standing Orders – AIS 252ms Standing Orders – PIS 366ms Statements 401ms Transactions 230ms NWB Response times (milliseconds): February 2026 Account Requests – AIS 166ms Account Requests – COF 387ms Accounts 461ms Balances 433ms Beneficiaries 728ms Direct Debits 247ms Payments – AIS 267ms Payments – CoF 261ms Payments – PIS 369ms Payments – VRP 330ms Products 295ms Standing Orders – AIS 275ms Standing Orders – PIS 282ms Statements 190ms Transactions 525ms RBS Response times (milliseconds): February 2026 Account Requests – AIS 167ms Account Requests – COF 427ms Accounts 442ms Balances 427ms Beneficiaries 752ms Direct Debits 258ms Payments – AIS 277ms Payments – CoF 277ms Payments – PIS 404ms Payments – VRP 362ms Products 284ms Standing Orders – AIS 272ms Standing Orders – PIS 346ms Statements 223ms Transactions 480ms Santander UK plc Response times (milliseconds): February 2026 Account Requests – AIS 210ms Account Requests – COF 314ms Accounts 284ms Balances 350ms Beneficiaries 517ms Direct Debits 461ms Payments – CoF 331ms Payments – PIS 254ms Payments – VRP 229ms Products 326ms Standing Orders – AIS 445ms Standing Orders – PIS 301ms Statements 473ms Transactions 431ms UBN Response times (milliseconds): February 2026 Account Requests – AIS 171ms Account Requests – COF 571ms Accounts 438ms Balances 376ms Beneficiaries 992ms Direct Debits 279ms Payments – AIS 285ms Payments – CoF 293ms Payments – PIS 411ms Payments – VRP 409ms Products 297ms Standing Orders – AIS 286ms Standing Orders – PIS 289ms Statements 162ms Transactions 448ms
February 2026 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Average API Response Time 328 milliseconds
February 2026 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. Download chart
February 2026 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): February 2026 Account Requests – AIS 206ms Accounts 145ms Balances 115ms Direct Debits 1,328ms Payments – AIS 87ms Payments – CoF 195ms Payments – PIS 176ms Payments – VRP 146ms Products 484ms Standing Orders – AIS 449ms Standing Orders – PIS 279ms Transactions 127ms AIB Group (UK) p.l.c. Response times (milliseconds): February 2026 Account Requests – AIS 115ms Accounts 53ms Balances 38ms Direct Debits 1,384ms Payments – AIS 9ms Payments – CoF 130ms Payments – PIS 99ms Payments – VRP 172ms Products 283ms Standing Orders – AIS 93ms Standing Orders – PIS 80ms Transactions 46ms Bank of Ireland UK Response times (milliseconds): February 2026 Account Requests – AIS 168ms Account Requests – COF 306ms Accounts 286ms Balances 287ms Beneficiaries 648ms Payments – AIS 429ms Payments – CoF 487ms Payments – PIS 685ms Payments – VRP 643ms Products 305ms Standing Orders – AIS 466ms Standing Orders – PIS 421ms Statements 479ms Transactions 317ms Bank of Scotland Response times (milliseconds): February 2026 Account Requests – AIS 198ms Account Requests – COF 255ms Accounts 127ms Balances 144ms Beneficiaries 231ms Direct Debits 214ms Payments – AIS 258ms Payments – CoF 211ms Payments – PIS 386ms Payments – VRP 329ms Products 406ms Standing Orders – AIS 194ms Standing Orders – PIS 442ms Statements 347ms Transactions 232ms Barclays Response times (milliseconds): February 2026 Account Requests – AIS 114ms Account Requests – COF 197ms Accounts 157ms Balances 210ms Beneficiaries 151ms Direct Debits 213ms Payments – AIS 288ms Payments – CoF 275ms Payments – PIS 211ms Payments – VRP 262ms Products 344ms Standing Orders – AIS 230ms Standing Orders – PIS 173ms Statements 69ms Transactions 254ms Coutts Response times (milliseconds): February 2026 Account Requests – AIS 1,189ms Account Requests – COF 1,435ms Accounts 329ms Balances 354ms Beneficiaries 1,507ms Direct Debits 1,891ms Payments – CoF 466ms Payments – PIS 779ms Payments – VRP 2,223ms Products 357ms Standing Orders – AIS 392ms Standing Orders – PIS 644ms Transactions 432ms Danske Bank Response times (milliseconds): February 2026 Account Requests – AIS 69ms Account Requests – COF 232ms Accounts 604ms Balances 204ms Beneficiaries 232ms Direct Debits 391ms Payments – AIS 213ms Payments – CoF 117ms Payments – PIS 103ms Payments – VRP 257ms Products 147ms Standing Orders – AIS 297ms Standing Orders – PIS 80ms Transactions 758ms First Direct Response times (milliseconds): February 2026 Account Requests – AIS 155ms Account Requests – COF 309ms Accounts 321ms Balances 343ms Beneficiaries 653ms Direct Debits 542ms Payments – AIS 811ms Payments – CoF 438ms Payments – PIS 280ms Payments – VRP 347ms Products 620ms Standing Orders – AIS 489ms Standing Orders – PIS 300ms Statements 108ms Transactions 517ms Halifax Response times (milliseconds): February 2026 Account Requests – AIS 207ms Account Requests – COF 255ms Accounts 127ms Balances 145ms Beneficiaries 230ms Direct Debits 214ms Payments – AIS 208ms Payments – CoF 211ms Payments – PIS 421ms Payments – VRP 326ms Products 408ms Standing Orders – AIS 193ms Standing Orders – PIS 514ms Statements 360ms Transactions 242ms HSBC Business Response times (milliseconds): February 2026 Account Requests – AIS 191ms Account Requests – COF 302ms Accounts 328ms Balances 314ms Beneficiaries 282ms Direct Debits 626ms Payments – AIS 230ms Payments – CoF 491ms Payments – PIS 493ms Payments – VRP 480ms Products 658ms Standing Orders – AIS 310ms Standing Orders – PIS 424ms Statements 519ms Transactions 402ms HSBC Kinetic Response times (milliseconds): February 2026 Account Requests – AIS 155ms Account Requests – COF 289ms Accounts 405ms Balances 399ms Beneficiaries 685ms Direct Debits 1,244ms Payments – AIS 1,193ms Payments – CoF 592ms Payments – PIS 383ms Payments – VRP 449ms Products 1,404ms Standing Orders – AIS 1,176ms Standing Orders – PIS 274ms Statements 2,658ms Transactions 598ms HSBC Personal Response times (milliseconds): February 2026 Account Requests – AIS 163ms Account Requests – COF 290ms Accounts 310ms Balances 334ms Beneficiaries 612ms Direct Debits 536ms Payments – AIS 858ms Payments – CoF 426ms Payments – PIS 276ms Payments – VRP 334ms Products 600ms Standing Orders – AIS 546ms Standing Orders – PIS 300ms Statements 308ms Transactions 517ms Lloyds Response times (milliseconds): February 2026 Account Requests – AIS 208ms Account Requests – COF 244ms Accounts 127ms Balances 143ms Beneficiaries 229ms Direct Debits 214ms Payments – AIS 227ms Payments – CoF 209ms Payments – PIS 411ms Payments – VRP 325ms Products 406ms Standing Orders – AIS 193ms Standing Orders – PIS 503ms Statements 353ms Transactions 224ms MBNA Response times (milliseconds): February 2026 Account Requests – AIS 211ms Accounts 127ms Balances 243ms Beneficiaries 230ms Direct Debits 340ms Payments – PIS 216ms Products 148ms Standing Orders – AIS 159ms Statements 320ms Transactions 442ms Mettle Response times (milliseconds): February 2026 Account Requests – AIS 77ms Accounts 94ms Balances 79ms Beneficiaries 57ms Direct Debits 126ms Payments – AIS 55ms Payments – PIS 167ms Payments – VRP 148ms Products 87ms Standing Orders – AIS 9ms Statements 555ms Transactions 86ms Nationwide Building Society Response times (milliseconds): February 2026 Account Requests – AIS 158ms Account Requests – COF 264ms Accounts 244ms Balances 208ms Beneficiaries 363ms Direct Debits 627ms Payments – AIS 168ms Payments – CoF 254ms Payments – PIS 353ms Payments – VRP 310ms Products 244ms Standing Orders – AIS 252ms Standing Orders – PIS 366ms Statements 401ms Transactions 230ms NWB Response times (milliseconds): February 2026 Account Requests – AIS 166ms Account Requests – COF 387ms Accounts 461ms Balances 433ms Beneficiaries 728ms Direct Debits 247ms Payments – AIS 267ms Payments – CoF 261ms Payments – PIS 369ms Payments – VRP 330ms Products 295ms Standing Orders – AIS 275ms Standing Orders – PIS 282ms Statements 190ms Transactions 525ms RBS Response times (milliseconds): February 2026 Account Requests – AIS 167ms Account Requests – COF 427ms Accounts 442ms Balances 427ms Beneficiaries 752ms Direct Debits 258ms Payments – AIS 277ms Payments – CoF 277ms Payments – PIS 404ms Payments – VRP 362ms Products 284ms Standing Orders – AIS 272ms Standing Orders – PIS 346ms Statements 223ms Transactions 480ms Santander UK plc Response times (milliseconds): February 2026 Account Requests – AIS 210ms Account Requests – COF 314ms Accounts 284ms Balances 350ms Beneficiaries 517ms Direct Debits 461ms Payments – CoF 331ms Payments – PIS 254ms Payments – VRP 229ms Products 326ms Standing Orders – AIS 445ms Standing Orders – PIS 301ms Statements 473ms Transactions 431ms UBN Response times (milliseconds): February 2026 Account Requests – AIS 171ms Account Requests – COF 571ms Accounts 438ms Balances 376ms Beneficiaries 992ms Direct Debits 279ms Payments – AIS 285ms Payments – CoF 293ms Payments – PIS 411ms Payments – VRP 409ms Products 297ms Standing Orders – AIS 286ms Standing Orders – PIS 289ms Statements 162ms Transactions 448ms
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand February 2026 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Successful API calls Total calls 2233344487 % of overall total calls 99.46% AIS Total calls 1795028695 % of overall total calls 99.48% PIS Total calls 137025067 % of overall total calls 98.67% February 2026 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart February 2026 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart
February 2026 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Successful API calls Total calls 2233344487 % of overall total calls 99.46% AIS Total calls 1795028695 % of overall total calls 99.48% PIS Total calls 137025067 % of overall total calls 98.67%
February 2026 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart
February 2026 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart
February 2026 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart
February 2026 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand February 2026 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Failed API Calls Total calls 12,159,692 % of overall total calls 0.54% Business Total calls 9,988,210 % of overall total calls 0.44% Technical Total calls 2,171,482 % 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. February 2026 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2026 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2026 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Failed API Calls Total calls 12,159,692 % of overall total calls 0.54% Business Total calls 9,988,210 % of overall total calls 0.44% Technical Total calls 2,171,482 % 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.
February 2026 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2026 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2026 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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 February 2026 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Rejected API Calls Total calls 2,735,612 % of overall total calls 0.122% 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. February 2026 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2026 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Download chart Rejected API Calls Total calls 2,735,612 % of overall total calls 0.122% 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.
February 2026 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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.