Secure by Design

Built on security and transparency, open banking puts you in control every step of the way.

Consumer security

Join over 6 million users

More than 6 million people already use open banking services in the UK. Opt in to a world of secure apps and services for more clarity and control over your finances – all built around secure transactions.

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Savings or investments. Budgeting or donating. Loans or payments. Open banking powers new ways to access a wide range of financial services – all built on secure systems from regulated providers.

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Bank level security

Apps and services are regulated

Opt-in only

Personalised services

Built on existing secure systems

linked to bank

It’s linked to your bank

Access open banking services in the same way as your online banking and other online services and apps. New ways to manage your money, with reliable security and counter-fraud controls.

api well established

APIs are well-established

APIs are commonly used to share information between services. Logging in to a website via Facebook? That’s done via APIs. Uber pinpointing location on a map? That’s Google Maps’ API at work.

api well established

Less data. More security.

Forget handing over reams of sensitive financial information to apply for accounts. With open banking, you share minimal data necessary for the service through a secure digital process.

less data


Some commonly asked open banking related security questions

How do I know open banking is safe? 

Open banking has been designed with security at its heart – here’s how:

Bank-level security – open banking uses rigorously tested software and security systems. You’ll never be asked to give access to your bank login details, PINs or passwords to anyone other than your own bank or building society.

It’s regulated – only apps and websites regulated by the FCA or a European National Competent Authority can enrol in the Open Banking Directory.

You’re in charge – you choose when, with whom, and for how long you give access to your data.

Extra protection – your bank or building society should pay your money back if a payment is made which is unauthorised. You’re also protected by data protection laws and the Financial Ombudsman Service.

How can I stay safe online?

Open banking uses secure technology. Here are a few more steps you can take to stay extra safe online:

Check if it’s regulated – see if the app or website is listed on our regulated providers page, check the FCA register, or a European National Competent Authority.

Read the small print – always read the terms and conditions before you agree to give a regulated app or website access to your data.

Check your bank account – if you see something that doesn’t look right, contact your bank or building society straight away.

Find out more – the FCA website has tips on protecting yourself online, as do the Take 5 Campaign and Action Fraud website.

How do I control who has access to my information? 

You choose which regulated apps and websites you want to use – so you’re always in charge. You decide what information they can access, and for how long. No one gets access unless you say so.