What is Open Banking?

Open banking helps you move, manage and make more of your money. Opt-in to a world of secure apps and services for more clarity and control over your finances.

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Every open banking provider is 100% regulated

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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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Questions about open banking 

The most common questions, answered. Without the technical jargon.

Does my bank or building society offer open banking?

The number of banks and building societies that offer open banking is growing. At the moment, only the UK’s nine largest banks and building societies are required to make your data available through open banking. Other smaller banks and building societies can choose to take part in open banking.

The banks and building societies who currently offer Open Banking are:

Advanced Payment Solutions Limited

Allied Irish Bank

Arbuthnot Latham & Co Limited

Bank Of Baroda (UK) Limited

Bank of Ireland UK

Bank of Scotland

Barclays

BFC Bank

C Hoare & Co

Citibank UK Limited

ClearBank Limited

Clydesdale Bank

Contis

Coutts & Company

Coventry Building Society

Creation Financial Services

Currency Solutions Limited

Cynergy Bank

Danske

FBN Bank (UK) Ltd

Foreign Currency Direct Plc

Ghana International Bank

Halifax

Hargreaves Lansdown Savings

HSBC

ICBC (London)

Industrial and Commercial Bank of China

Investec

Jordan International Bank Plc

Lloyds Bank

M&S

MBNA

Metro Bank

Mizuho Bank

Monese LTD

Nationwide

NatWest

NewDay

Northern Bank Limited

OKEO LIMITED

Permanent TSB

Prepay Technologies

Project Imagine

Reliance Bank Ltd

Revolut

Royal Bank of Scotland International Limited, Luxembourg Branch

Sainsbury’s Bank

Santander

SG Kleinwort Hambros Bank

Spectrum Payment Services Limited

Starling Bank

Tesco Bank

The Access Bank UK Limited

The Bank of New York Mellon

The Co-operative Bank

The Governor and Company of the Bank of Ireland

The Royal Bank of Scotland

The Royal Bank of Scotland International

Tide Platform

TSB Bank

Turkiye Is Bankasi As

Ulster Bank

Ulster Bank Ireland DAC

Union Bank of India

Vanquis Bank

Virgin Money

Wells Fargo Bank, National Association

Wirepayer

Wirex Limited

Yorkshire Building Society

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 or password to anyone other than your own bank or building society.

It’s regulated – only apps and websites regulated by the FCA or European equivalent can enrol in the open banking Directory.

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

Extra protection – your bank or building society will pay your money back if fraudulent payments are made. You’re also protected by data protection laws and the Financial Ombudsman Service

Am I automatically opted in to open banking? 

No. You’ll only use open banking if you give your explicit consent to a regulated app or website. It’s always your choice.

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.

New names, familiar faces