API Performance StatsSelect a month:May 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. 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. Successful API calls This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Successful Payments This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Average API call response times This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Open Banking Users All Users AIS users PIS users All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart May key performance metrics 99.88% Average API availability – unweighted 362ms Average API response time 99.54% Successful API calls (%) 99.9% Average API availability – weighted 1998.6m Successful API calls (actual) 0.46% 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 May 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. Average API availability 99.88% Core hours (06:00-00:00) 99.97% Non core hours (00:00-06:00) 99.60% 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. May 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: May 2025 Account Requests – AIS 98.89% Account Requests – CoF 98.89% Accounts 98.89% Balances 98.89% Beneficiaries 100.0% Payments – AIS 98.89% Payments – CoF 98.89% Payments – PIS 98.89% payments-VRP 98.89% Products 98.89% Standing Orders – AIS 98.89% Standing Orders – PIS 98.89% Statements 98.89% Transactions 98.89% Bank of Scotland Availability by Endpoint Category: May 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Barclays Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: May 2025 Account Requests – AIS 99.46% Account Requests – CoF 100.0% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Transactions 99.46% Danske Bank Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.61% Balances 99.61% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.62% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.61% First Direct Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Halifax Availability by Endpoint Category: May 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% HSBC Business Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.94% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Personal Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Lloyds Availability by Endpoint Category: May 2025 Account Requests – AIS 99.94% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.96% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Mettle Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% NWB Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% RBS Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Santander UK plc Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: May 2025 Account Requests – AIS 99.93% Account Requests – CoF 99.93% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.93% Payments – CoF 99.93% Payments – PIS 99.93% payments-VRP 99.93% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.93% Statements 99.93% Transactions 99.93% Average API availability – weighted Average API availability by brand – weighted Core hours by brand (06:00 – 0:00) – weighted Non core hours by brand (00:00 – 6:00) – weighted AIS availability by brand – weighted PIS availability by brand – weighted API availability by category – weighted May 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. Average weighted API availability 99.90% Core hours (06:00-00:00) 99.97% Non core hours (00:00-06:00) 99.69% May 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: May 2025 Account Requests – AIS 98.89% Account Requests – CoF 98.89% Accounts 98.89% Balances 98.89% Payments – AIS 98.89% Payments – CoF 98.89% Payments – PIS 98.9% payments-VRP 99.53% Products 98.89% Standing Orders – AIS 98.89% Standing Orders – PIS 98.89% Statements 98.9% Transactions 98.89% Bank of Scotland Availability by Endpoint Category: May 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Barclays Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: May 2025 Account Requests – AIS 99.46% Account Requests – CoF 100.0% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.58% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.5% Transactions 99.46% Danske Bank Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.61% Balances 99.61% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.79% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.61% First Direct Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Halifax Availability by Endpoint Category: May 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% HSBC Business Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Personal Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Lloyds Availability by Endpoint Category: May 2025 Account Requests – AIS 99.94% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.96% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Mettle Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% NWB Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% RBS Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Santander UK plc Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: May 2025 Account Requests – AIS 99.93% Account Requests – CoF 99.93% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.93% Payments – CoF 99.93% Payments – PIS 99.93% payments-VRP 99.93% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.93% Statements 99.93% Transactions 99.93% Average API response times Average API response times by brand Response times by brand May 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in May. Average API Response Time 362 milliseconds May 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): May 2025 Account Requests – AIS 139ms Accounts 92ms Balances 62ms Beneficiaries 409ms Direct Debits 882ms Payments – CoF 233ms Payments – PIS 86ms payments-VRP 91ms Products 350ms Standing Orders – AIS 203ms Standing Orders – PIS 87ms Transactions 72ms AIB Group (UK) p.l.c. Response times (milliseconds): May 2025 Account Requests – AIS 115ms Accounts 52ms Balances 37ms Beneficiaries 3,135ms Direct Debits 364ms Payments – CoF 278ms Payments – PIS 82ms payments-VRP 187ms Products 158ms Standing Orders – AIS 298ms Standing Orders – PIS 71ms Transactions 47ms Bank of Ireland UK Response times (milliseconds): May 2025 Account Requests – AIS 170ms Account Requests – CoF 867ms Accounts 329ms Balances 359ms Payments – AIS 651ms Payments – CoF 485ms Payments – PIS 1,044ms payments-VRP 1,003ms Products 432ms Standing Orders – AIS 609ms Standing Orders – PIS 598ms Statements 717ms Transactions 390ms Bank of Scotland Response times (milliseconds): May 2025 Account Requests – AIS 272ms Account Requests – CoF 263ms Accounts 169ms Balances 189ms Beneficiaries 279ms Direct Debits 246ms Payments – AIS 228ms Payments – CoF 246ms Payments – PIS 529ms payments-VRP 384ms Products 455ms Standing Orders – AIS 225ms Standing Orders – PIS 552ms Statements 409ms Transactions 284ms Barclays Response times (milliseconds): May 2025 Account Requests – AIS 116ms Account Requests – CoF 170ms Accounts 201ms Balances 205ms Beneficiaries 242ms Direct Debits 209ms Payments – AIS 246ms Payments – CoF 266ms Payments – PIS 187ms payments-VRP 238ms Products 348ms Standing Orders – AIS 210ms Standing Orders – PIS 169ms Statements 92ms Transactions 254ms Coutts Response times (milliseconds): May 2025 Account Requests – AIS 838ms Account Requests – CoF 1,426ms Accounts 265ms Balances 266ms Beneficiaries 1,614ms Direct Debits 1,732ms Payments – CoF 363ms Payments – PIS 894ms Products 255ms Standing Orders – AIS 242ms Standing Orders – PIS 550ms Transactions 281ms Danske Bank Response times (milliseconds): May 2025 Account Requests – AIS 44ms Account Requests – CoF 647ms Accounts 445ms Balances 182ms Beneficiaries 202ms Direct Debits 329ms Payments – AIS 263ms Payments – CoF 84ms Payments – PIS 70ms payments-VRP 256ms Products 126ms Standing Orders – AIS 311ms Standing Orders – PIS 60ms Transactions 516ms First Direct Response times (milliseconds): May 2025 Account Requests – AIS 140ms Account Requests – CoF 271ms Accounts 277ms Balances 301ms Beneficiaries 375ms Direct Debits 324ms Payments – AIS 544ms Payments – CoF 320ms Payments – PIS 279ms payments-VRP 295ms Products 559ms Standing Orders – AIS 526ms Standing Orders – PIS 330ms Statements 565ms Transactions 473ms Halifax Response times (milliseconds): May 2025 Account Requests – AIS 274ms Account Requests – CoF 261ms Accounts 170ms Balances 191ms Beneficiaries 277ms Direct Debits 246ms Payments – AIS 228ms Payments – CoF 245ms Payments – PIS 571ms payments-VRP 382ms Products 455ms Standing Orders – AIS 225ms Standing Orders – PIS 562ms Statements 401ms Transactions 292ms HSBC Business Response times (milliseconds): May 2025 Account Requests – AIS 172ms Account Requests – CoF 288ms Accounts 354ms Balances 356ms Beneficiaries 307ms Direct Debits 649ms Payments – AIS 137ms Payments – CoF 500ms Payments – PIS 586ms payments-VRP 377ms Products 712ms Standing Orders – AIS 197ms Standing Orders – PIS 453ms Statements 892ms Transactions 454ms HSBC Kinetic Response times (milliseconds): May 2025 Account Requests – AIS 140ms Account Requests – CoF 256ms Accounts 387ms Balances 403ms Beneficiaries 342ms Direct Debits 828ms Payments – AIS 406ms Payments – CoF 490ms Payments – PIS 316ms payments-VRP 471ms Products 902ms Standing Orders – AIS 689ms Standing Orders – PIS 230ms Transactions 524ms HSBC Personal Response times (milliseconds): May 2025 Account Requests – AIS 143ms Account Requests – CoF 231ms Accounts 279ms Balances 301ms Beneficiaries 408ms Direct Debits 333ms Payments – AIS 566ms Payments – CoF 319ms Payments – PIS 329ms payments-VRP 294ms Products 557ms Standing Orders – AIS 597ms Standing Orders – PIS 364ms Statements 528ms Transactions 472ms Lloyds Response times (milliseconds): May 2025 Account Requests – AIS 273ms Account Requests – CoF 260ms Accounts 169ms Balances 188ms Beneficiaries 280ms Direct Debits 245ms Payments – AIS 228ms Payments – CoF 244ms Payments – PIS 565ms payments-VRP 380ms Products 453ms Standing Orders – AIS 225ms Standing Orders – PIS 555ms Statements 464ms Transactions 272ms MBNA Response times (milliseconds): May 2025 Account Requests – AIS 275ms Accounts 240ms Balances 303ms Beneficiaries 274ms Direct Debits 185ms Payments – AIS 185ms Payments – PIS 984ms Products 182ms Standing Orders – AIS 185ms Statements 347ms Transactions 504ms Mettle Response times (milliseconds): May 2025 Account Requests – AIS 70ms Account Requests – CoF 251ms Accounts 91ms Balances 63ms Beneficiaries 50ms Direct Debits 112ms Payments – AIS 63ms Payments – PIS 106ms payments-VRP 138ms Products 97ms Standing Orders – AIS 7ms Statements 106ms Transactions 80ms Nationwide Building Society Response times (milliseconds): May 2025 Account Requests – AIS 137ms Account Requests – CoF 231ms Accounts 186ms Balances 180ms Beneficiaries 349ms Direct Debits 558ms Payments – AIS 235ms Payments – CoF 224ms Payments – PIS 323ms payments-VRP 265ms Products 184ms Standing Orders – AIS 187ms Standing Orders – PIS 323ms Statements 513ms Transactions 222ms NWB Response times (milliseconds): May 2025 Account Requests – AIS 157ms Account Requests – CoF 363ms Accounts 391ms Balances 359ms Beneficiaries 716ms Direct Debits 243ms Payments – AIS 248ms Payments – CoF 213ms Payments – PIS 338ms payments-VRP 418ms Products 279ms Standing Orders – AIS 349ms Standing Orders – PIS 277ms Statements 170ms Transactions 477ms RBS Response times (milliseconds): May 2025 Account Requests – AIS 169ms Account Requests – CoF 398ms Accounts 394ms Balances 369ms Beneficiaries 561ms Direct Debits 267ms Payments – AIS 299ms Payments – CoF 227ms Payments – PIS 386ms payments-VRP 465ms Products 282ms Standing Orders – AIS 422ms Standing Orders – PIS 301ms Statements 181ms Transactions 447ms Santander UK plc Response times (milliseconds): May 2025 Account Requests – AIS 425ms Account Requests – CoF 489ms Accounts 583ms Balances 597ms Beneficiaries 809ms Direct Debits 676ms Payments – CoF 553ms Payments – PIS 1,906ms payments-VRP 404ms Products 528ms Standing Orders – AIS 672ms Standing Orders – PIS 961ms Statements 585ms Transactions 683ms UBN Response times (milliseconds): May 2025 Account Requests – AIS 173ms Account Requests – CoF 486ms Accounts 428ms Balances 379ms Beneficiaries 706ms Direct Debits 282ms Payments – AIS 288ms Payments – CoF 264ms Payments – PIS 399ms payments-VRP 503ms Products 305ms Standing Orders – AIS 277ms Standing Orders – PIS 283ms Statements 183ms Transactions 431ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand May 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Successful API calls Total calls 1,998,622,502 % of overall total calls 99.54% AIS Total calls 1,620,816,055 % of overall total calls 80.72% PIS Total calls 114,552,845 % of overall total calls 5.71% May 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand May 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Failed API Calls Total calls 9,279,122 % of overall total calls 0.46% Business Total calls 7,672,646 % of overall total calls 0.38% Technical Total calls 1,606,476 % of overall total calls 0.08% 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. May 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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 May 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Rejected API Calls Total calls 2,620,335 % of overall total calls 0.131% 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. May 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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:May 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.
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.
Successful API calls This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data.
Successful Payments This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data.
Average API call response times This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data.
Open Banking Users All Users AIS users PIS users All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart
All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data.
AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart
PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart
May key performance metrics 99.88% Average API availability – unweighted 362ms Average API response time 99.54% Successful API calls (%) 99.9% Average API availability – weighted 1998.6m Successful API calls (actual) 0.46% 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 May 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. Average API availability 99.88% Core hours (06:00-00:00) 99.97% Non core hours (00:00-06:00) 99.60% 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. May 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: May 2025 Account Requests – AIS 98.89% Account Requests – CoF 98.89% Accounts 98.89% Balances 98.89% Beneficiaries 100.0% Payments – AIS 98.89% Payments – CoF 98.89% Payments – PIS 98.89% payments-VRP 98.89% Products 98.89% Standing Orders – AIS 98.89% Standing Orders – PIS 98.89% Statements 98.89% Transactions 98.89% Bank of Scotland Availability by Endpoint Category: May 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Barclays Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: May 2025 Account Requests – AIS 99.46% Account Requests – CoF 100.0% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Transactions 99.46% Danske Bank Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.61% Balances 99.61% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.62% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.61% First Direct Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Halifax Availability by Endpoint Category: May 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% HSBC Business Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.94% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Personal Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Lloyds Availability by Endpoint Category: May 2025 Account Requests – AIS 99.94% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.96% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Mettle Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% NWB Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% RBS Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Santander UK plc Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: May 2025 Account Requests – AIS 99.93% Account Requests – CoF 99.93% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.93% Payments – CoF 99.93% Payments – PIS 99.93% payments-VRP 99.93% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.93% Statements 99.93% Transactions 99.93% Average API availability – weighted Average API availability by brand – weighted Core hours by brand (06:00 – 0:00) – weighted Non core hours by brand (00:00 – 6:00) – weighted AIS availability by brand – weighted PIS availability by brand – weighted API availability by category – weighted May 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. Average weighted API availability 99.90% Core hours (06:00-00:00) 99.97% Non core hours (00:00-06:00) 99.69% May 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: May 2025 Account Requests – AIS 98.89% Account Requests – CoF 98.89% Accounts 98.89% Balances 98.89% Payments – AIS 98.89% Payments – CoF 98.89% Payments – PIS 98.9% payments-VRP 99.53% Products 98.89% Standing Orders – AIS 98.89% Standing Orders – PIS 98.89% Statements 98.9% Transactions 98.89% Bank of Scotland Availability by Endpoint Category: May 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Barclays Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: May 2025 Account Requests – AIS 99.46% Account Requests – CoF 100.0% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.58% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.5% Transactions 99.46% Danske Bank Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.61% Balances 99.61% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.79% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.61% First Direct Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Halifax Availability by Endpoint Category: May 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% HSBC Business Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Personal Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Lloyds Availability by Endpoint Category: May 2025 Account Requests – AIS 99.94% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.96% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Mettle Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% NWB Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% RBS Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Santander UK plc Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: May 2025 Account Requests – AIS 99.93% Account Requests – CoF 99.93% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.93% Payments – CoF 99.93% Payments – PIS 99.93% payments-VRP 99.93% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.93% Statements 99.93% Transactions 99.93% Average API response times Average API response times by brand Response times by brand May 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in May. Average API Response Time 362 milliseconds May 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): May 2025 Account Requests – AIS 139ms Accounts 92ms Balances 62ms Beneficiaries 409ms Direct Debits 882ms Payments – CoF 233ms Payments – PIS 86ms payments-VRP 91ms Products 350ms Standing Orders – AIS 203ms Standing Orders – PIS 87ms Transactions 72ms AIB Group (UK) p.l.c. Response times (milliseconds): May 2025 Account Requests – AIS 115ms Accounts 52ms Balances 37ms Beneficiaries 3,135ms Direct Debits 364ms Payments – CoF 278ms Payments – PIS 82ms payments-VRP 187ms Products 158ms Standing Orders – AIS 298ms Standing Orders – PIS 71ms Transactions 47ms Bank of Ireland UK Response times (milliseconds): May 2025 Account Requests – AIS 170ms Account Requests – CoF 867ms Accounts 329ms Balances 359ms Payments – AIS 651ms Payments – CoF 485ms Payments – PIS 1,044ms payments-VRP 1,003ms Products 432ms Standing Orders – AIS 609ms Standing Orders – PIS 598ms Statements 717ms Transactions 390ms Bank of Scotland Response times (milliseconds): May 2025 Account Requests – AIS 272ms Account Requests – CoF 263ms Accounts 169ms Balances 189ms Beneficiaries 279ms Direct Debits 246ms Payments – AIS 228ms Payments – CoF 246ms Payments – PIS 529ms payments-VRP 384ms Products 455ms Standing Orders – AIS 225ms Standing Orders – PIS 552ms Statements 409ms Transactions 284ms Barclays Response times (milliseconds): May 2025 Account Requests – AIS 116ms Account Requests – CoF 170ms Accounts 201ms Balances 205ms Beneficiaries 242ms Direct Debits 209ms Payments – AIS 246ms Payments – CoF 266ms Payments – PIS 187ms payments-VRP 238ms Products 348ms Standing Orders – AIS 210ms Standing Orders – PIS 169ms Statements 92ms Transactions 254ms Coutts Response times (milliseconds): May 2025 Account Requests – AIS 838ms Account Requests – CoF 1,426ms Accounts 265ms Balances 266ms Beneficiaries 1,614ms Direct Debits 1,732ms Payments – CoF 363ms Payments – PIS 894ms Products 255ms Standing Orders – AIS 242ms Standing Orders – PIS 550ms Transactions 281ms Danske Bank Response times (milliseconds): May 2025 Account Requests – AIS 44ms Account Requests – CoF 647ms Accounts 445ms Balances 182ms Beneficiaries 202ms Direct Debits 329ms Payments – AIS 263ms Payments – CoF 84ms Payments – PIS 70ms payments-VRP 256ms Products 126ms Standing Orders – AIS 311ms Standing Orders – PIS 60ms Transactions 516ms First Direct Response times (milliseconds): May 2025 Account Requests – AIS 140ms Account Requests – CoF 271ms Accounts 277ms Balances 301ms Beneficiaries 375ms Direct Debits 324ms Payments – AIS 544ms Payments – CoF 320ms Payments – PIS 279ms payments-VRP 295ms Products 559ms Standing Orders – AIS 526ms Standing Orders – PIS 330ms Statements 565ms Transactions 473ms Halifax Response times (milliseconds): May 2025 Account Requests – AIS 274ms Account Requests – CoF 261ms Accounts 170ms Balances 191ms Beneficiaries 277ms Direct Debits 246ms Payments – AIS 228ms Payments – CoF 245ms Payments – PIS 571ms payments-VRP 382ms Products 455ms Standing Orders – AIS 225ms Standing Orders – PIS 562ms Statements 401ms Transactions 292ms HSBC Business Response times (milliseconds): May 2025 Account Requests – AIS 172ms Account Requests – CoF 288ms Accounts 354ms Balances 356ms Beneficiaries 307ms Direct Debits 649ms Payments – AIS 137ms Payments – CoF 500ms Payments – PIS 586ms payments-VRP 377ms Products 712ms Standing Orders – AIS 197ms Standing Orders – PIS 453ms Statements 892ms Transactions 454ms HSBC Kinetic Response times (milliseconds): May 2025 Account Requests – AIS 140ms Account Requests – CoF 256ms Accounts 387ms Balances 403ms Beneficiaries 342ms Direct Debits 828ms Payments – AIS 406ms Payments – CoF 490ms Payments – PIS 316ms payments-VRP 471ms Products 902ms Standing Orders – AIS 689ms Standing Orders – PIS 230ms Transactions 524ms HSBC Personal Response times (milliseconds): May 2025 Account Requests – AIS 143ms Account Requests – CoF 231ms Accounts 279ms Balances 301ms Beneficiaries 408ms Direct Debits 333ms Payments – AIS 566ms Payments – CoF 319ms Payments – PIS 329ms payments-VRP 294ms Products 557ms Standing Orders – AIS 597ms Standing Orders – PIS 364ms Statements 528ms Transactions 472ms Lloyds Response times (milliseconds): May 2025 Account Requests – AIS 273ms Account Requests – CoF 260ms Accounts 169ms Balances 188ms Beneficiaries 280ms Direct Debits 245ms Payments – AIS 228ms Payments – CoF 244ms Payments – PIS 565ms payments-VRP 380ms Products 453ms Standing Orders – AIS 225ms Standing Orders – PIS 555ms Statements 464ms Transactions 272ms MBNA Response times (milliseconds): May 2025 Account Requests – AIS 275ms Accounts 240ms Balances 303ms Beneficiaries 274ms Direct Debits 185ms Payments – AIS 185ms Payments – PIS 984ms Products 182ms Standing Orders – AIS 185ms Statements 347ms Transactions 504ms Mettle Response times (milliseconds): May 2025 Account Requests – AIS 70ms Account Requests – CoF 251ms Accounts 91ms Balances 63ms Beneficiaries 50ms Direct Debits 112ms Payments – AIS 63ms Payments – PIS 106ms payments-VRP 138ms Products 97ms Standing Orders – AIS 7ms Statements 106ms Transactions 80ms Nationwide Building Society Response times (milliseconds): May 2025 Account Requests – AIS 137ms Account Requests – CoF 231ms Accounts 186ms Balances 180ms Beneficiaries 349ms Direct Debits 558ms Payments – AIS 235ms Payments – CoF 224ms Payments – PIS 323ms payments-VRP 265ms Products 184ms Standing Orders – AIS 187ms Standing Orders – PIS 323ms Statements 513ms Transactions 222ms NWB Response times (milliseconds): May 2025 Account Requests – AIS 157ms Account Requests – CoF 363ms Accounts 391ms Balances 359ms Beneficiaries 716ms Direct Debits 243ms Payments – AIS 248ms Payments – CoF 213ms Payments – PIS 338ms payments-VRP 418ms Products 279ms Standing Orders – AIS 349ms Standing Orders – PIS 277ms Statements 170ms Transactions 477ms RBS Response times (milliseconds): May 2025 Account Requests – AIS 169ms Account Requests – CoF 398ms Accounts 394ms Balances 369ms Beneficiaries 561ms Direct Debits 267ms Payments – AIS 299ms Payments – CoF 227ms Payments – PIS 386ms payments-VRP 465ms Products 282ms Standing Orders – AIS 422ms Standing Orders – PIS 301ms Statements 181ms Transactions 447ms Santander UK plc Response times (milliseconds): May 2025 Account Requests – AIS 425ms Account Requests – CoF 489ms Accounts 583ms Balances 597ms Beneficiaries 809ms Direct Debits 676ms Payments – CoF 553ms Payments – PIS 1,906ms payments-VRP 404ms Products 528ms Standing Orders – AIS 672ms Standing Orders – PIS 961ms Statements 585ms Transactions 683ms UBN Response times (milliseconds): May 2025 Account Requests – AIS 173ms Account Requests – CoF 486ms Accounts 428ms Balances 379ms Beneficiaries 706ms Direct Debits 282ms Payments – AIS 288ms Payments – CoF 264ms Payments – PIS 399ms payments-VRP 503ms Products 305ms Standing Orders – AIS 277ms Standing Orders – PIS 283ms Statements 183ms Transactions 431ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand May 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Successful API calls Total calls 1,998,622,502 % of overall total calls 99.54% AIS Total calls 1,620,816,055 % of overall total calls 80.72% PIS Total calls 114,552,845 % of overall total calls 5.71% May 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand May 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Failed API Calls Total calls 9,279,122 % of overall total calls 0.46% Business Total calls 7,672,646 % of overall total calls 0.38% Technical Total calls 1,606,476 % of overall total calls 0.08% 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. May 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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 May 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Rejected API Calls Total calls 2,620,335 % of overall total calls 0.131% 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. May 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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.
May key performance metrics 99.88% Average API availability – unweighted 362ms Average API response time 99.54% Successful API calls (%) 99.9% Average API availability – weighted 1998.6m Successful API calls (actual) 0.46% Failed API calls
Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted May 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. Average API availability 99.88% Core hours (06:00-00:00) 99.97% Non core hours (00:00-06:00) 99.60% 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. May 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: May 2025 Account Requests – AIS 98.89% Account Requests – CoF 98.89% Accounts 98.89% Balances 98.89% Beneficiaries 100.0% Payments – AIS 98.89% Payments – CoF 98.89% Payments – PIS 98.89% payments-VRP 98.89% Products 98.89% Standing Orders – AIS 98.89% Standing Orders – PIS 98.89% Statements 98.89% Transactions 98.89% Bank of Scotland Availability by Endpoint Category: May 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Barclays Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: May 2025 Account Requests – AIS 99.46% Account Requests – CoF 100.0% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Transactions 99.46% Danske Bank Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.61% Balances 99.61% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.62% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.61% First Direct Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Halifax Availability by Endpoint Category: May 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% HSBC Business Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.94% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Personal Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Lloyds Availability by Endpoint Category: May 2025 Account Requests – AIS 99.94% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.96% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Mettle Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% NWB Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% RBS Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Santander UK plc Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: May 2025 Account Requests – AIS 99.93% Account Requests – CoF 99.93% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.93% Payments – CoF 99.93% Payments – PIS 99.93% payments-VRP 99.93% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.93% Statements 99.93% Transactions 99.93%
May 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. Average API availability 99.88% Core hours (06:00-00:00) 99.97% Non core hours (00:00-06:00) 99.60% 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.
May 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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.
May 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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.
May 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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.
May 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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.
May 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. 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.
May 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: May 2025 Account Requests – AIS 98.89% Account Requests – CoF 98.89% Accounts 98.89% Balances 98.89% Beneficiaries 100.0% Payments – AIS 98.89% Payments – CoF 98.89% Payments – PIS 98.89% payments-VRP 98.89% Products 98.89% Standing Orders – AIS 98.89% Standing Orders – PIS 98.89% Statements 98.89% Transactions 98.89% Bank of Scotland Availability by Endpoint Category: May 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Barclays Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: May 2025 Account Requests – AIS 99.46% Account Requests – CoF 100.0% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.46% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.46% Transactions 99.46% Danske Bank Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.61% Balances 99.61% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.62% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.61% First Direct Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Halifax Availability by Endpoint Category: May 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% HSBC Business Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.94% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Personal Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Lloyds Availability by Endpoint Category: May 2025 Account Requests – AIS 99.94% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.96% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Mettle Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% NWB Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% RBS Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Santander UK plc Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: May 2025 Account Requests – AIS 99.93% Account Requests – CoF 99.93% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.93% Payments – CoF 99.93% Payments – PIS 99.93% payments-VRP 99.93% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.93% Statements 99.93% Transactions 99.93%
Average API availability – weighted Average API availability by brand – weighted Core hours by brand (06:00 – 0:00) – weighted Non core hours by brand (00:00 – 6:00) – weighted AIS availability by brand – weighted PIS availability by brand – weighted API availability by category – weighted May 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. Average weighted API availability 99.90% Core hours (06:00-00:00) 99.97% Non core hours (00:00-06:00) 99.69% May 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: May 2025 Account Requests – AIS 98.89% Account Requests – CoF 98.89% Accounts 98.89% Balances 98.89% Payments – AIS 98.89% Payments – CoF 98.89% Payments – PIS 98.9% payments-VRP 99.53% Products 98.89% Standing Orders – AIS 98.89% Standing Orders – PIS 98.89% Statements 98.9% Transactions 98.89% Bank of Scotland Availability by Endpoint Category: May 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Barclays Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: May 2025 Account Requests – AIS 99.46% Account Requests – CoF 100.0% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.58% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.5% Transactions 99.46% Danske Bank Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.61% Balances 99.61% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.79% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.61% First Direct Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Halifax Availability by Endpoint Category: May 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% HSBC Business Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Personal Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Lloyds Availability by Endpoint Category: May 2025 Account Requests – AIS 99.94% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.96% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Mettle Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% NWB Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% RBS Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Santander UK plc Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: May 2025 Account Requests – AIS 99.93% Account Requests – CoF 99.93% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.93% Payments – CoF 99.93% Payments – PIS 99.93% payments-VRP 99.93% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.93% Statements 99.93% Transactions 99.93%
May 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May. Average weighted API availability 99.90% Core hours (06:00-00:00) 99.97% Non core hours (00:00-06:00) 99.69%
May 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May.
May 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May.
May 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May.
May 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May.
May 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in May.
May 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: May 2025 Account Requests – AIS 98.89% Account Requests – CoF 98.89% Accounts 98.89% Balances 98.89% Payments – AIS 98.89% Payments – CoF 98.89% Payments – PIS 98.9% payments-VRP 99.53% Products 98.89% Standing Orders – AIS 98.89% Standing Orders – PIS 98.89% Statements 98.9% Transactions 98.89% Bank of Scotland Availability by Endpoint Category: May 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Barclays Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Coutts Availability by Endpoint Category: May 2025 Account Requests – AIS 99.46% Account Requests – CoF 100.0% Accounts 99.46% Balances 99.46% Beneficiaries 99.46% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.58% Products 99.46% Standing Orders – AIS 99.46% Standing Orders – PIS 99.5% Transactions 99.46% Danske Bank Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.61% Balances 99.61% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.79% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.61% First Direct Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.99% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Halifax Availability by Endpoint Category: May 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% HSBC Business Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Personal Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Lloyds Availability by Endpoint Category: May 2025 Account Requests – AIS 99.94% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.96% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: May 2025 Account Requests – AIS 99.99% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Mettle Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% NWB Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% RBS Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Santander UK plc Availability by Endpoint Category: May 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: May 2025 Account Requests – AIS 99.93% Account Requests – CoF 99.93% Accounts 99.93% Balances 99.93% Beneficiaries 99.93% Direct Debits 99.93% Payments – AIS 99.93% Payments – CoF 99.93% Payments – PIS 99.93% payments-VRP 99.93% Products 99.93% Standing Orders – AIS 99.93% Standing Orders – PIS 99.93% Statements 99.93% Transactions 99.93%
Average API response times Average API response times by brand Response times by brand May 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in May. Average API Response Time 362 milliseconds May 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): May 2025 Account Requests – AIS 139ms Accounts 92ms Balances 62ms Beneficiaries 409ms Direct Debits 882ms Payments – CoF 233ms Payments – PIS 86ms payments-VRP 91ms Products 350ms Standing Orders – AIS 203ms Standing Orders – PIS 87ms Transactions 72ms AIB Group (UK) p.l.c. Response times (milliseconds): May 2025 Account Requests – AIS 115ms Accounts 52ms Balances 37ms Beneficiaries 3,135ms Direct Debits 364ms Payments – CoF 278ms Payments – PIS 82ms payments-VRP 187ms Products 158ms Standing Orders – AIS 298ms Standing Orders – PIS 71ms Transactions 47ms Bank of Ireland UK Response times (milliseconds): May 2025 Account Requests – AIS 170ms Account Requests – CoF 867ms Accounts 329ms Balances 359ms Payments – AIS 651ms Payments – CoF 485ms Payments – PIS 1,044ms payments-VRP 1,003ms Products 432ms Standing Orders – AIS 609ms Standing Orders – PIS 598ms Statements 717ms Transactions 390ms Bank of Scotland Response times (milliseconds): May 2025 Account Requests – AIS 272ms Account Requests – CoF 263ms Accounts 169ms Balances 189ms Beneficiaries 279ms Direct Debits 246ms Payments – AIS 228ms Payments – CoF 246ms Payments – PIS 529ms payments-VRP 384ms Products 455ms Standing Orders – AIS 225ms Standing Orders – PIS 552ms Statements 409ms Transactions 284ms Barclays Response times (milliseconds): May 2025 Account Requests – AIS 116ms Account Requests – CoF 170ms Accounts 201ms Balances 205ms Beneficiaries 242ms Direct Debits 209ms Payments – AIS 246ms Payments – CoF 266ms Payments – PIS 187ms payments-VRP 238ms Products 348ms Standing Orders – AIS 210ms Standing Orders – PIS 169ms Statements 92ms Transactions 254ms Coutts Response times (milliseconds): May 2025 Account Requests – AIS 838ms Account Requests – CoF 1,426ms Accounts 265ms Balances 266ms Beneficiaries 1,614ms Direct Debits 1,732ms Payments – CoF 363ms Payments – PIS 894ms Products 255ms Standing Orders – AIS 242ms Standing Orders – PIS 550ms Transactions 281ms Danske Bank Response times (milliseconds): May 2025 Account Requests – AIS 44ms Account Requests – CoF 647ms Accounts 445ms Balances 182ms Beneficiaries 202ms Direct Debits 329ms Payments – AIS 263ms Payments – CoF 84ms Payments – PIS 70ms payments-VRP 256ms Products 126ms Standing Orders – AIS 311ms Standing Orders – PIS 60ms Transactions 516ms First Direct Response times (milliseconds): May 2025 Account Requests – AIS 140ms Account Requests – CoF 271ms Accounts 277ms Balances 301ms Beneficiaries 375ms Direct Debits 324ms Payments – AIS 544ms Payments – CoF 320ms Payments – PIS 279ms payments-VRP 295ms Products 559ms Standing Orders – AIS 526ms Standing Orders – PIS 330ms Statements 565ms Transactions 473ms Halifax Response times (milliseconds): May 2025 Account Requests – AIS 274ms Account Requests – CoF 261ms Accounts 170ms Balances 191ms Beneficiaries 277ms Direct Debits 246ms Payments – AIS 228ms Payments – CoF 245ms Payments – PIS 571ms payments-VRP 382ms Products 455ms Standing Orders – AIS 225ms Standing Orders – PIS 562ms Statements 401ms Transactions 292ms HSBC Business Response times (milliseconds): May 2025 Account Requests – AIS 172ms Account Requests – CoF 288ms Accounts 354ms Balances 356ms Beneficiaries 307ms Direct Debits 649ms Payments – AIS 137ms Payments – CoF 500ms Payments – PIS 586ms payments-VRP 377ms Products 712ms Standing Orders – AIS 197ms Standing Orders – PIS 453ms Statements 892ms Transactions 454ms HSBC Kinetic Response times (milliseconds): May 2025 Account Requests – AIS 140ms Account Requests – CoF 256ms Accounts 387ms Balances 403ms Beneficiaries 342ms Direct Debits 828ms Payments – AIS 406ms Payments – CoF 490ms Payments – PIS 316ms payments-VRP 471ms Products 902ms Standing Orders – AIS 689ms Standing Orders – PIS 230ms Transactions 524ms HSBC Personal Response times (milliseconds): May 2025 Account Requests – AIS 143ms Account Requests – CoF 231ms Accounts 279ms Balances 301ms Beneficiaries 408ms Direct Debits 333ms Payments – AIS 566ms Payments – CoF 319ms Payments – PIS 329ms payments-VRP 294ms Products 557ms Standing Orders – AIS 597ms Standing Orders – PIS 364ms Statements 528ms Transactions 472ms Lloyds Response times (milliseconds): May 2025 Account Requests – AIS 273ms Account Requests – CoF 260ms Accounts 169ms Balances 188ms Beneficiaries 280ms Direct Debits 245ms Payments – AIS 228ms Payments – CoF 244ms Payments – PIS 565ms payments-VRP 380ms Products 453ms Standing Orders – AIS 225ms Standing Orders – PIS 555ms Statements 464ms Transactions 272ms MBNA Response times (milliseconds): May 2025 Account Requests – AIS 275ms Accounts 240ms Balances 303ms Beneficiaries 274ms Direct Debits 185ms Payments – AIS 185ms Payments – PIS 984ms Products 182ms Standing Orders – AIS 185ms Statements 347ms Transactions 504ms Mettle Response times (milliseconds): May 2025 Account Requests – AIS 70ms Account Requests – CoF 251ms Accounts 91ms Balances 63ms Beneficiaries 50ms Direct Debits 112ms Payments – AIS 63ms Payments – PIS 106ms payments-VRP 138ms Products 97ms Standing Orders – AIS 7ms Statements 106ms Transactions 80ms Nationwide Building Society Response times (milliseconds): May 2025 Account Requests – AIS 137ms Account Requests – CoF 231ms Accounts 186ms Balances 180ms Beneficiaries 349ms Direct Debits 558ms Payments – AIS 235ms Payments – CoF 224ms Payments – PIS 323ms payments-VRP 265ms Products 184ms Standing Orders – AIS 187ms Standing Orders – PIS 323ms Statements 513ms Transactions 222ms NWB Response times (milliseconds): May 2025 Account Requests – AIS 157ms Account Requests – CoF 363ms Accounts 391ms Balances 359ms Beneficiaries 716ms Direct Debits 243ms Payments – AIS 248ms Payments – CoF 213ms Payments – PIS 338ms payments-VRP 418ms Products 279ms Standing Orders – AIS 349ms Standing Orders – PIS 277ms Statements 170ms Transactions 477ms RBS Response times (milliseconds): May 2025 Account Requests – AIS 169ms Account Requests – CoF 398ms Accounts 394ms Balances 369ms Beneficiaries 561ms Direct Debits 267ms Payments – AIS 299ms Payments – CoF 227ms Payments – PIS 386ms payments-VRP 465ms Products 282ms Standing Orders – AIS 422ms Standing Orders – PIS 301ms Statements 181ms Transactions 447ms Santander UK plc Response times (milliseconds): May 2025 Account Requests – AIS 425ms Account Requests – CoF 489ms Accounts 583ms Balances 597ms Beneficiaries 809ms Direct Debits 676ms Payments – CoF 553ms Payments – PIS 1,906ms payments-VRP 404ms Products 528ms Standing Orders – AIS 672ms Standing Orders – PIS 961ms Statements 585ms Transactions 683ms UBN Response times (milliseconds): May 2025 Account Requests – AIS 173ms Account Requests – CoF 486ms Accounts 428ms Balances 379ms Beneficiaries 706ms Direct Debits 282ms Payments – AIS 288ms Payments – CoF 264ms Payments – PIS 399ms payments-VRP 503ms Products 305ms Standing Orders – AIS 277ms Standing Orders – PIS 283ms Statements 183ms Transactions 431ms
May 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in May. Average API Response Time 362 milliseconds
May 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in May.
May 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Coutts Danske Bank First Direct Halifax HSBC Business HSBC Kinetic HSBC Personal Lloyds MBNA Mettle Nationwide Building Society NWB RBS Santander UK plc UBN AIB (NI) Response times (milliseconds): May 2025 Account Requests – AIS 139ms Accounts 92ms Balances 62ms Beneficiaries 409ms Direct Debits 882ms Payments – CoF 233ms Payments – PIS 86ms payments-VRP 91ms Products 350ms Standing Orders – AIS 203ms Standing Orders – PIS 87ms Transactions 72ms AIB Group (UK) p.l.c. Response times (milliseconds): May 2025 Account Requests – AIS 115ms Accounts 52ms Balances 37ms Beneficiaries 3,135ms Direct Debits 364ms Payments – CoF 278ms Payments – PIS 82ms payments-VRP 187ms Products 158ms Standing Orders – AIS 298ms Standing Orders – PIS 71ms Transactions 47ms Bank of Ireland UK Response times (milliseconds): May 2025 Account Requests – AIS 170ms Account Requests – CoF 867ms Accounts 329ms Balances 359ms Payments – AIS 651ms Payments – CoF 485ms Payments – PIS 1,044ms payments-VRP 1,003ms Products 432ms Standing Orders – AIS 609ms Standing Orders – PIS 598ms Statements 717ms Transactions 390ms Bank of Scotland Response times (milliseconds): May 2025 Account Requests – AIS 272ms Account Requests – CoF 263ms Accounts 169ms Balances 189ms Beneficiaries 279ms Direct Debits 246ms Payments – AIS 228ms Payments – CoF 246ms Payments – PIS 529ms payments-VRP 384ms Products 455ms Standing Orders – AIS 225ms Standing Orders – PIS 552ms Statements 409ms Transactions 284ms Barclays Response times (milliseconds): May 2025 Account Requests – AIS 116ms Account Requests – CoF 170ms Accounts 201ms Balances 205ms Beneficiaries 242ms Direct Debits 209ms Payments – AIS 246ms Payments – CoF 266ms Payments – PIS 187ms payments-VRP 238ms Products 348ms Standing Orders – AIS 210ms Standing Orders – PIS 169ms Statements 92ms Transactions 254ms Coutts Response times (milliseconds): May 2025 Account Requests – AIS 838ms Account Requests – CoF 1,426ms Accounts 265ms Balances 266ms Beneficiaries 1,614ms Direct Debits 1,732ms Payments – CoF 363ms Payments – PIS 894ms Products 255ms Standing Orders – AIS 242ms Standing Orders – PIS 550ms Transactions 281ms Danske Bank Response times (milliseconds): May 2025 Account Requests – AIS 44ms Account Requests – CoF 647ms Accounts 445ms Balances 182ms Beneficiaries 202ms Direct Debits 329ms Payments – AIS 263ms Payments – CoF 84ms Payments – PIS 70ms payments-VRP 256ms Products 126ms Standing Orders – AIS 311ms Standing Orders – PIS 60ms Transactions 516ms First Direct Response times (milliseconds): May 2025 Account Requests – AIS 140ms Account Requests – CoF 271ms Accounts 277ms Balances 301ms Beneficiaries 375ms Direct Debits 324ms Payments – AIS 544ms Payments – CoF 320ms Payments – PIS 279ms payments-VRP 295ms Products 559ms Standing Orders – AIS 526ms Standing Orders – PIS 330ms Statements 565ms Transactions 473ms Halifax Response times (milliseconds): May 2025 Account Requests – AIS 274ms Account Requests – CoF 261ms Accounts 170ms Balances 191ms Beneficiaries 277ms Direct Debits 246ms Payments – AIS 228ms Payments – CoF 245ms Payments – PIS 571ms payments-VRP 382ms Products 455ms Standing Orders – AIS 225ms Standing Orders – PIS 562ms Statements 401ms Transactions 292ms HSBC Business Response times (milliseconds): May 2025 Account Requests – AIS 172ms Account Requests – CoF 288ms Accounts 354ms Balances 356ms Beneficiaries 307ms Direct Debits 649ms Payments – AIS 137ms Payments – CoF 500ms Payments – PIS 586ms payments-VRP 377ms Products 712ms Standing Orders – AIS 197ms Standing Orders – PIS 453ms Statements 892ms Transactions 454ms HSBC Kinetic Response times (milliseconds): May 2025 Account Requests – AIS 140ms Account Requests – CoF 256ms Accounts 387ms Balances 403ms Beneficiaries 342ms Direct Debits 828ms Payments – AIS 406ms Payments – CoF 490ms Payments – PIS 316ms payments-VRP 471ms Products 902ms Standing Orders – AIS 689ms Standing Orders – PIS 230ms Transactions 524ms HSBC Personal Response times (milliseconds): May 2025 Account Requests – AIS 143ms Account Requests – CoF 231ms Accounts 279ms Balances 301ms Beneficiaries 408ms Direct Debits 333ms Payments – AIS 566ms Payments – CoF 319ms Payments – PIS 329ms payments-VRP 294ms Products 557ms Standing Orders – AIS 597ms Standing Orders – PIS 364ms Statements 528ms Transactions 472ms Lloyds Response times (milliseconds): May 2025 Account Requests – AIS 273ms Account Requests – CoF 260ms Accounts 169ms Balances 188ms Beneficiaries 280ms Direct Debits 245ms Payments – AIS 228ms Payments – CoF 244ms Payments – PIS 565ms payments-VRP 380ms Products 453ms Standing Orders – AIS 225ms Standing Orders – PIS 555ms Statements 464ms Transactions 272ms MBNA Response times (milliseconds): May 2025 Account Requests – AIS 275ms Accounts 240ms Balances 303ms Beneficiaries 274ms Direct Debits 185ms Payments – AIS 185ms Payments – PIS 984ms Products 182ms Standing Orders – AIS 185ms Statements 347ms Transactions 504ms Mettle Response times (milliseconds): May 2025 Account Requests – AIS 70ms Account Requests – CoF 251ms Accounts 91ms Balances 63ms Beneficiaries 50ms Direct Debits 112ms Payments – AIS 63ms Payments – PIS 106ms payments-VRP 138ms Products 97ms Standing Orders – AIS 7ms Statements 106ms Transactions 80ms Nationwide Building Society Response times (milliseconds): May 2025 Account Requests – AIS 137ms Account Requests – CoF 231ms Accounts 186ms Balances 180ms Beneficiaries 349ms Direct Debits 558ms Payments – AIS 235ms Payments – CoF 224ms Payments – PIS 323ms payments-VRP 265ms Products 184ms Standing Orders – AIS 187ms Standing Orders – PIS 323ms Statements 513ms Transactions 222ms NWB Response times (milliseconds): May 2025 Account Requests – AIS 157ms Account Requests – CoF 363ms Accounts 391ms Balances 359ms Beneficiaries 716ms Direct Debits 243ms Payments – AIS 248ms Payments – CoF 213ms Payments – PIS 338ms payments-VRP 418ms Products 279ms Standing Orders – AIS 349ms Standing Orders – PIS 277ms Statements 170ms Transactions 477ms RBS Response times (milliseconds): May 2025 Account Requests – AIS 169ms Account Requests – CoF 398ms Accounts 394ms Balances 369ms Beneficiaries 561ms Direct Debits 267ms Payments – AIS 299ms Payments – CoF 227ms Payments – PIS 386ms payments-VRP 465ms Products 282ms Standing Orders – AIS 422ms Standing Orders – PIS 301ms Statements 181ms Transactions 447ms Santander UK plc Response times (milliseconds): May 2025 Account Requests – AIS 425ms Account Requests – CoF 489ms Accounts 583ms Balances 597ms Beneficiaries 809ms Direct Debits 676ms Payments – CoF 553ms Payments – PIS 1,906ms payments-VRP 404ms Products 528ms Standing Orders – AIS 672ms Standing Orders – PIS 961ms Statements 585ms Transactions 683ms UBN Response times (milliseconds): May 2025 Account Requests – AIS 173ms Account Requests – CoF 486ms Accounts 428ms Balances 379ms Beneficiaries 706ms Direct Debits 282ms Payments – AIS 288ms Payments – CoF 264ms Payments – PIS 399ms payments-VRP 503ms Products 305ms Standing Orders – AIS 277ms Standing Orders – PIS 283ms Statements 183ms Transactions 431ms
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand May 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Successful API calls Total calls 1,998,622,502 % of overall total calls 99.54% AIS Total calls 1,620,816,055 % of overall total calls 80.72% PIS Total calls 114,552,845 % of overall total calls 5.71% May 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. May 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May.
May 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Successful API calls Total calls 1,998,622,502 % of overall total calls 99.54% AIS Total calls 1,620,816,055 % of overall total calls 80.72% PIS Total calls 114,552,845 % of overall total calls 5.71%
May 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May.
May 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May.
May 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May.
May 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in May.
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand May 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Failed API Calls Total calls 9,279,122 % of overall total calls 0.46% Business Total calls 7,672,646 % of overall total calls 0.38% Technical Total calls 1,606,476 % of overall total calls 0.08% 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. May 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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. May 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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.
May 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Failed API Calls Total calls 9,279,122 % of overall total calls 0.46% Business Total calls 7,672,646 % of overall total calls 0.38% Technical Total calls 1,606,476 % of overall total calls 0.08% 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.
May 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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.
May 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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.
May 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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 May 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Rejected API Calls Total calls 2,620,335 % of overall total calls 0.131% 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. May 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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.
May 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. Rejected API Calls Total calls 2,620,335 % of overall total calls 0.131% 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.
May 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in May. 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.