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.Play VideoScroll for moreClick to close modal Enables services personalised to your finances In control, manage your money with confidence Trusted by over 3 million UK users Every open banking provider is 100% regulated Visit our app storeSavings 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. Start your open banking journey Latest Insights View all insights Thought Leadership Finally, a new era in payments Sweeps in Read more Article Q&A: Simon Lyons, Head of Ecosystem Engagement, OBIE and Nick Down, Head of Payments, HMRC Read more Report The Open Banking Impact Report Download now Thought Leadership The OBIE Op-Ed: the role of digital identity in promoting access to financial services Read more Infographic May 2021 Highlights Read more 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 LimitedAllied Irish BankArbuthnot Latham & Co LimitedBank Of Baroda (UK) LimitedBank of Ireland UKBank of ScotlandBarclaysBFC BankC Hoare & CoCitibank UK LimitedClearBank LimitedClydesdale BankContisCoutts & CompanyCoventry Building SocietyCreation Financial ServicesCurrency Solutions LimitedCynergy BankDanskeFBN Bank (UK) LtdForeign Currency Direct PlcGhana International BankHalifaxHargreaves Lansdown SavingsHSBCICBC (London)Industrial and Commercial Bank of ChinaInvestecJordan International Bank PlcLloyds BankM&SMBNAMetro BankMizuho BankMonese LTDNationwideNatWestNewDayNorthern Bank LimitedOKEO LIMITEDPermanent TSBPrepay TechnologiesProject ImagineReliance Bank LtdRevolutRoyal Bank of Scotland International Limited, Luxembourg BranchSainsbury’s BankSantanderSG Kleinwort Hambros BankSpectrum Payment Services LimitedStarling BankTesco BankThe Access Bank UK LimitedThe Bank of New York MellonThe Co-operative BankThe Governor and Company of the Bank of IrelandThe Royal Bank of ScotlandThe Royal Bank of Scotland InternationalTide PlatformTSB BankTurkiye Is Bankasi AsUlster BankUlster Bank Ireland DACUnion Bank of IndiaVanquis BankVirgin MoneyWells Fargo Bank, National AssociationWirepayerWirex LimitedYorkshire 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. Find more answers Latest News View all news Consultation Variable Recurring Payments required for Sweeping 27 Jul 2021 Read more Journalist News The OBIE Highlights – June 2021 16 Jul 2021 Read more Press Releases The OBIE hires Francis McGee as its new Consumer Representative 28 Jun 2021 Read more Consumer insights OBIE publishes its first Open Banking Impact Report 18 Jun 2021 Read more New names, familiar faces
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.Play VideoScroll for moreClick to close modal
Enables services personalised to your finances In control, manage your money with confidence Trusted by over 3 million UK users Every open banking provider is 100% regulated
Visit our app storeSavings 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. Start your open banking journey
Latest Insights View all insights Thought Leadership Finally, a new era in payments Sweeps in Read more Article Q&A: Simon Lyons, Head of Ecosystem Engagement, OBIE and Nick Down, Head of Payments, HMRC Read more Report The Open Banking Impact Report Download now Thought Leadership The OBIE Op-Ed: the role of digital identity in promoting access to financial services Read more Infographic May 2021 Highlights Read more
Article Q&A: Simon Lyons, Head of Ecosystem Engagement, OBIE and Nick Down, Head of Payments, HMRC Read more
Thought Leadership The OBIE Op-Ed: the role of digital identity in promoting access to financial services Read more
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 LimitedAllied Irish BankArbuthnot Latham & Co LimitedBank Of Baroda (UK) LimitedBank of Ireland UKBank of ScotlandBarclaysBFC BankC Hoare & CoCitibank UK LimitedClearBank LimitedClydesdale BankContisCoutts & CompanyCoventry Building SocietyCreation Financial ServicesCurrency Solutions LimitedCynergy BankDanskeFBN Bank (UK) LtdForeign Currency Direct PlcGhana International BankHalifaxHargreaves Lansdown SavingsHSBCICBC (London)Industrial and Commercial Bank of ChinaInvestecJordan International Bank PlcLloyds BankM&SMBNAMetro BankMizuho BankMonese LTDNationwideNatWestNewDayNorthern Bank LimitedOKEO LIMITEDPermanent TSBPrepay TechnologiesProject ImagineReliance Bank LtdRevolutRoyal Bank of Scotland International Limited, Luxembourg BranchSainsbury’s BankSantanderSG Kleinwort Hambros BankSpectrum Payment Services LimitedStarling BankTesco BankThe Access Bank UK LimitedThe Bank of New York MellonThe Co-operative BankThe Governor and Company of the Bank of IrelandThe Royal Bank of ScotlandThe Royal Bank of Scotland InternationalTide PlatformTSB BankTurkiye Is Bankasi AsUlster BankUlster Bank Ireland DACUnion Bank of IndiaVanquis BankVirgin MoneyWells Fargo Bank, National AssociationWirepayerWirex LimitedYorkshire 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. Find more answers
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 LimitedAllied Irish BankArbuthnot Latham & Co LimitedBank Of Baroda (UK) LimitedBank of Ireland UKBank of ScotlandBarclaysBFC BankC Hoare & CoCitibank UK LimitedClearBank LimitedClydesdale BankContisCoutts & CompanyCoventry Building SocietyCreation Financial ServicesCurrency Solutions LimitedCynergy BankDanskeFBN Bank (UK) LtdForeign Currency Direct PlcGhana International BankHalifaxHargreaves Lansdown SavingsHSBCICBC (London)Industrial and Commercial Bank of ChinaInvestecJordan International Bank PlcLloyds BankM&SMBNAMetro BankMizuho BankMonese LTDNationwideNatWestNewDayNorthern Bank LimitedOKEO LIMITEDPermanent TSBPrepay TechnologiesProject ImagineReliance Bank LtdRevolutRoyal Bank of Scotland International Limited, Luxembourg BranchSainsbury’s BankSantanderSG Kleinwort Hambros BankSpectrum Payment Services LimitedStarling BankTesco BankThe Access Bank UK LimitedThe Bank of New York MellonThe Co-operative BankThe Governor and Company of the Bank of IrelandThe Royal Bank of ScotlandThe Royal Bank of Scotland InternationalTide PlatformTSB BankTurkiye Is Bankasi AsUlster BankUlster Bank Ireland DACUnion Bank of IndiaVanquis BankVirgin MoneyWells Fargo Bank, National AssociationWirepayerWirex LimitedYorkshire 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.
Latest News View all news Consultation Variable Recurring Payments required for Sweeping 27 Jul 2021 Read more Journalist News The OBIE Highlights – June 2021 16 Jul 2021 Read more Press Releases The OBIE hires Francis McGee as its new Consumer Representative 28 Jun 2021 Read more Consumer insights OBIE publishes its first Open Banking Impact Report 18 Jun 2021 Read more