API Performance StatsSelect a month:October 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 October key performance metrics 99.64% Average API availability – unweighted 350ms Average API response time 99.54% Successful API calls (%) 99.83% Average API availability – weighted 1747.3m 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 October 2024 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Average API availability 99.64% Core hours (06:00-00:00) 99.83% Non core hours (00:00-06:00) 99.09% 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. October 2024 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 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 October. 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. October 2024 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 October. 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. October 2024 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 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 Cater Allen 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: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.2% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.2% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.2% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.2% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.8% Accounts 99.8% Balances 99.8% Beneficiaries 100.0% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 99.8% Products 99.8% Standing Orders – AIS 99.59% Standing Orders – PIS 99.8% Statements 99.8% Transactions 99.64% Bank of Scotland Availability by Endpoint Category: October 2024 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 99.98% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% Barclays Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.8% Accounts 99.8% Balances 99.8% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.8% Standing Orders – PIS 99.8% Statements 99.8% Transactions 99.8% Cater Allen Availability by Endpoint Category: October 2024 Account Requests – AIS 98.78% Account Requests – CoF 100.0% Accounts 98.78% Balances 98.78% Beneficiaries 98.78% Direct Debits 98.78% Payments – AIS 98.78% Payments – PIS 98.78% Products 98.78% Standing Orders – AIS 98.78% Standing Orders – PIS 98.78% Statements 98.78% Transactions 98.78% Danske Bank Availability by Endpoint Category: October 2024 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% Transactions 99.99% First Direct Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Halifax Availability by Endpoint Category: October 2024 Account Requests – AIS 99.98% 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 99.92% payments-VRP 99.98% Products 99.94% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Business Availability by Endpoint Category: October 2024 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 99.82% 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: October 2024 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 Personal Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Lloyds Availability by Endpoint Category: October 2024 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 99.99% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.92% payments-VRP 99.96% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% 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 99.99% Mettle Availability by Endpoint Category: October 2024 Account Requests – AIS 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: October 2024 Account Requests – AIS 100.0% Account Requests – CoF 99.25% Accounts 100.0% Balances 99.99% Beneficiaries 99.31% Direct Debits 99.62% Payments – AIS 99.82% Payments – CoF 99.98% Payments – PIS 99.16% payments-VRP 99.14% Products 99.49% Standing Orders – AIS 99.59% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.21% NWB Availability by Endpoint Category: October 2024 Account Requests – AIS 99.57% Account Requests – CoF 99.27% Accounts 99.57% Balances 99.57% Beneficiaries 99.57% Direct Debits 99.57% Payments – AIS 99.92% Payments – CoF 99.27% Payments – PIS 99.27% payments-VRP 99.27% Products 99.57% Standing Orders – AIS 99.57% Standing Orders – PIS 99.27% Statements 99.57% Transactions 99.57% RBS Availability by Endpoint Category: October 2024 Account Requests – AIS 99.5% Account Requests – CoF 99.22% Accounts 99.5% Balances 99.5% Beneficiaries 99.5% Direct Debits 99.5% Payments – AIS 99.5% Payments – CoF 99.22% Payments – PIS 99.22% payments-VRP 99.22% Products 99.5% Standing Orders – AIS 99.5% Standing Orders – PIS 99.22% Statements 99.5% Transactions 99.5% Santander UK plc Availability by Endpoint Category: October 2024 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: October 2024 Account Requests – AIS 99.44% Account Requests – CoF 99.17% Accounts 99.44% Balances 99.44% Beneficiaries 99.44% Direct Debits 99.78% Payments – AIS 99.82% Payments – CoF 99.17% Payments – PIS 99.17% payments-VRP 99.17% Products 99.44% Standing Orders – AIS 99.44% Standing Orders – PIS 99.17% Statements 99.51% Transactions 99.44% 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 October 2024 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Average weighted API availability 99.83% Core hours (06:00-00:00) 99.96% Non core hours (00:00-06:00) 99.47% October 2024 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 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 October. October 2024 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 October. October 2024 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 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 Cater Allen 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: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.21% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.22% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.21% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.22% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.8% Accounts 99.8% Balances 99.8% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 99.8% Products 99.8% Standing Orders – AIS 99.59% Standing Orders – PIS 99.8% Statements 99.8% Transactions 99.64% Bank of Scotland Availability by Endpoint Category: October 2024 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 99.99% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% Barclays Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.99% Accounts 99.8% Balances 99.8% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.8% Standing Orders – PIS 99.96% Statements 99.81% Transactions 99.8% Cater Allen Availability by Endpoint Category: October 2024 Account Requests – AIS 98.78% Accounts 98.78% Balances 98.78% Beneficiaries 98.78% Direct Debits 98.78% Payments – AIS 98.78% Payments – PIS 98.78% Products 98.78% Standing Orders – AIS 98.78% Standing Orders – PIS 98.78% Statements 98.78% Transactions 98.78% Danske Bank Availability by Endpoint Category: October 2024 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% Transactions 99.99% First Direct Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Halifax Availability by Endpoint Category: October 2024 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 99.97% payments-VRP 100.0% Products 99.94% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Business Availability by Endpoint Category: October 2024 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 99.99% 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: October 2024 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 Personal Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Lloyds Availability by Endpoint Category: October 2024 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 99.99% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 99.99% Mettle Availability by Endpoint Category: October 2024 Account Requests – AIS 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: October 2024 Account Requests – AIS 100.0% Account Requests – CoF 99.28% Accounts 100.0% Balances 99.99% Beneficiaries 99.32% Direct Debits 99.62% Payments – AIS 99.82% Payments – CoF 99.98% Payments – PIS 99.75% payments-VRP 99.43% Products 99.49% Standing Orders – AIS 99.59% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.21% NWB Availability by Endpoint Category: October 2024 Account Requests – AIS 99.57% Account Requests – CoF 99.27% Accounts 99.57% Balances 99.57% Beneficiaries 99.57% Direct Debits 99.57% Payments – AIS 99.92% Payments – CoF 99.27% Payments – PIS 99.27% payments-VRP 99.27% Products 99.57% Standing Orders – AIS 99.57% Standing Orders – PIS 99.28% Statements 99.57% Transactions 99.57% RBS Availability by Endpoint Category: October 2024 Account Requests – AIS 99.5% Account Requests – CoF 99.23% Accounts 99.5% Balances 99.5% Beneficiaries 99.5% Direct Debits 99.5% Payments – AIS 99.5% Payments – CoF 99.22% Payments – PIS 99.22% payments-VRP 99.22% Products 99.5% Standing Orders – AIS 99.5% Standing Orders – PIS 99.47% Statements 99.5% Transactions 99.5% Santander UK plc Availability by Endpoint Category: October 2024 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: October 2024 Account Requests – AIS 99.44% Account Requests – CoF 99.2% Accounts 99.44% Balances 99.44% Beneficiaries 99.44% Direct Debits 99.78% Payments – AIS 99.82% Payments – CoF 99.17% Payments – PIS 99.17% payments-VRP 99.19% Products 99.44% Standing Orders – AIS 99.44% Standing Orders – PIS 99.3% Statements 99.51% Transactions 99.44% Average API response times Average API response times by brand Response times by brand October 2024 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. Average API Response Time 350 milliseconds October 2024 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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): October 2024 Account Requests – AIS 138ms Accounts 90ms Balances 61ms Beneficiaries 532ms Direct Debits 875ms Payments – CoF 120ms Payments – PIS 95ms payments-VRP 88ms Products 84ms Standing Orders – AIS 252ms Standing Orders – PIS 364ms Transactions 70ms AIB Group (UK) p.l.c. Response times (milliseconds): October 2024 Account Requests – AIS 111ms Accounts 62ms Balances 36ms Beneficiaries 130ms Direct Debits 68ms Payments – CoF 90ms Payments – PIS 71ms Products 54ms Standing Orders – AIS 192ms Standing Orders – PIS 291ms Transactions 45ms Bank of Ireland UK Response times (milliseconds): October 2024 Account Requests – AIS 174ms Account Requests – CoF 566ms Accounts 340ms Balances 366ms Payments – AIS 437ms Payments – CoF 572ms Payments – PIS 799ms payments-VRP 2,108ms Products 513ms Standing Orders – AIS 535ms Standing Orders – PIS 613ms Statements 675ms Transactions 391ms Bank of Scotland Response times (milliseconds): October 2024 Account Requests – AIS 238ms Account Requests – CoF 290ms Accounts 155ms Balances 178ms Beneficiaries 275ms Direct Debits 235ms Payments – AIS 214ms Payments – CoF 242ms Payments – PIS 524ms payments-VRP 464ms Products 410ms Standing Orders – AIS 210ms Standing Orders – PIS 480ms Statements 381ms Transactions 254ms Barclays Response times (milliseconds): October 2024 Account Requests – AIS 135ms Account Requests – CoF 198ms Accounts 212ms Balances 260ms Beneficiaries 218ms Direct Debits 284ms Payments – AIS 455ms Payments – CoF 369ms Payments – PIS 277ms payments-VRP 538ms Products 439ms Standing Orders – AIS 292ms Standing Orders – PIS 248ms Statements 80ms Transactions 292ms Cater Allen Response times (milliseconds): October 2024 Account Requests – AIS 38ms Accounts 58ms Balances 55ms Beneficiaries 53ms Direct Debits 54ms Payments – AIS 54ms Payments – PIS 48ms Products 53ms Standing Orders – AIS 53ms Standing Orders – PIS 33ms Statements 46ms Transactions 52ms Danske Bank Response times (milliseconds): October 2024 Account Requests – AIS 50ms Account Requests – CoF 90ms Accounts 445ms Balances 221ms Beneficiaries 172ms Direct Debits 373ms Payments – AIS 359ms Payments – CoF 100ms Payments – PIS 76ms payments-VRP 139ms Products 148ms Standing Orders – AIS 411ms Standing Orders – PIS 94ms Transactions 517ms First Direct Response times (milliseconds): October 2024 Account Requests – AIS 134ms Account Requests – CoF 275ms Accounts 333ms Balances 392ms Beneficiaries 493ms Direct Debits 457ms Payments – AIS 724ms Payments – CoF 412ms Payments – PIS 277ms payments-VRP 319ms Products 803ms Standing Orders – AIS 674ms Standing Orders – PIS 252ms Statements 72ms Transactions 560ms Halifax Response times (milliseconds): October 2024 Account Requests – AIS 241ms Account Requests – CoF 290ms Accounts 155ms Balances 179ms Beneficiaries 274ms Direct Debits 235ms Payments – AIS 212ms Payments – CoF 241ms Payments – PIS 566ms payments-VRP 462ms Products 413ms Standing Orders – AIS 209ms Standing Orders – PIS 505ms Statements 373ms Transactions 268ms HSBC Business Response times (milliseconds): October 2024 Account Requests – AIS 171ms Account Requests – CoF 705ms Accounts 499ms Balances 494ms Beneficiaries 309ms Direct Debits 798ms Payments – AIS 382ms Payments – CoF 767ms Payments – PIS 423ms payments-VRP 393ms Products 835ms Standing Orders – AIS 497ms Standing Orders – PIS 301ms Statements 2,553ms Transactions 614ms HSBC Kinetic Response times (milliseconds): October 2024 Account Requests – AIS 132ms Account Requests – CoF 292ms Accounts 534ms Balances 522ms Beneficiaries 376ms Direct Debits 674ms Payments – AIS 658ms Payments – CoF 641ms Payments – PIS 289ms payments-VRP 347ms Products 774ms Standing Orders – AIS 331ms Standing Orders – PIS 180ms Statements 1,941ms Transactions 576ms HSBC Personal Response times (milliseconds): October 2024 Account Requests – AIS 137ms Account Requests – CoF 252ms Accounts 335ms Balances 395ms Beneficiaries 522ms Direct Debits 504ms Payments – AIS 739ms Payments – CoF 409ms Payments – PIS 288ms payments-VRP 302ms Products 777ms Standing Orders – AIS 736ms Standing Orders – PIS 249ms Statements 120ms Transactions 563ms Lloyds Response times (milliseconds): October 2024 Account Requests – AIS 241ms Account Requests – CoF 291ms Accounts 155ms Balances 176ms Beneficiaries 275ms Direct Debits 234ms Payments – AIS 212ms Payments – CoF 240ms Payments – PIS 596ms payments-VRP 460ms Products 410ms Standing Orders – AIS 209ms Standing Orders – PIS 520ms Statements 480ms Transactions 254ms MBNA Response times (milliseconds): October 2024 Account Requests – AIS 246ms Accounts 216ms Balances 272ms Beneficiaries 270ms Direct Debits 167ms Payments – AIS 169ms Products 167ms Standing Orders – AIS 169ms Statements 325ms Transactions 333ms Mettle Response times (milliseconds): October 2024 Account Requests – AIS 71ms Accounts 69ms Balances 59ms Beneficiaries 36ms Direct Debits 129ms Payments – AIS 45ms Payments – PIS 102ms payments-VRP 67ms Products 81ms Standing Orders – AIS 6ms Statements 74ms Transactions 91ms Nationwide Building Society Response times (milliseconds): October 2024 Account Requests – AIS 126ms Account Requests – CoF 228ms Accounts 199ms Balances 182ms Beneficiaries 465ms Direct Debits 609ms Payments – AIS 306ms Payments – CoF 224ms Payments – PIS 353ms payments-VRP 267ms Products 202ms Standing Orders – AIS 207ms Standing Orders – PIS 373ms Statements 3,221ms Transactions 233ms NWB Response times (milliseconds): October 2024 Account Requests – AIS 182ms Account Requests – CoF 446ms Accounts 444ms Balances 380ms Beneficiaries 759ms Direct Debits 289ms Payments – AIS 309ms Payments – CoF 249ms Payments – PIS 417ms payments-VRP 509ms Products 287ms Standing Orders – AIS 357ms Standing Orders – PIS 399ms Statements 202ms Transactions 512ms RBS Response times (milliseconds): October 2024 Account Requests – AIS 191ms Account Requests – CoF 494ms Accounts 447ms Balances 395ms Beneficiaries 805ms Direct Debits 312ms Payments – AIS 339ms Payments – CoF 267ms Payments – PIS 498ms payments-VRP 587ms Products 289ms Standing Orders – AIS 352ms Standing Orders – PIS 416ms Statements 208ms Transactions 502ms Santander UK plc Response times (milliseconds): October 2024 Account Requests – AIS 483ms Account Requests – CoF 597ms Accounts 652ms Balances 678ms Beneficiaries 891ms Direct Debits 763ms Payments – CoF 640ms Payments – PIS 646ms payments-VRP 438ms Products 593ms Standing Orders – AIS 736ms Standing Orders – PIS 738ms Statements 704ms Transactions 857ms UBN Response times (milliseconds): October 2024 Account Requests – AIS 196ms Account Requests – CoF 687ms Accounts 471ms Balances 402ms Beneficiaries 798ms Direct Debits 332ms Payments – AIS 334ms Payments – CoF 292ms Payments – PIS 592ms payments-VRP 733ms Products 294ms Standing Orders – AIS 344ms Standing Orders – PIS 424ms Statements 212ms Transactions 472ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand October 2024 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Successful API calls Total calls 1,747,304,243 % of overall total calls 99.54% AIS Total calls 1,441,843,844 % of overall total calls 82.14% PIS Total calls 91,504,399 % of overall total calls 5.21% October 2024 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand October 2024 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Failed API Calls Total calls 8,025,855 % of overall total calls 0.46% Business Total calls 5,279,507 % of overall total calls 0.30% Technical Total calls 2,746,348 % of overall total calls 0.16% 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. October 2024 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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 October 2024 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Rejected API Calls Total calls 2,148,507 % of overall total calls 0.122% HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs. October 2024 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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:October 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
October key performance metrics 99.64% Average API availability – unweighted 350ms Average API response time 99.54% Successful API calls (%) 99.83% Average API availability – weighted 1747.3m 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 October 2024 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Average API availability 99.64% Core hours (06:00-00:00) 99.83% Non core hours (00:00-06:00) 99.09% 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. October 2024 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 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 October. 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. October 2024 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 October. 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. October 2024 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 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 Cater Allen 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: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.2% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.2% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.2% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.2% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.8% Accounts 99.8% Balances 99.8% Beneficiaries 100.0% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 99.8% Products 99.8% Standing Orders – AIS 99.59% Standing Orders – PIS 99.8% Statements 99.8% Transactions 99.64% Bank of Scotland Availability by Endpoint Category: October 2024 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 99.98% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% Barclays Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.8% Accounts 99.8% Balances 99.8% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.8% Standing Orders – PIS 99.8% Statements 99.8% Transactions 99.8% Cater Allen Availability by Endpoint Category: October 2024 Account Requests – AIS 98.78% Account Requests – CoF 100.0% Accounts 98.78% Balances 98.78% Beneficiaries 98.78% Direct Debits 98.78% Payments – AIS 98.78% Payments – PIS 98.78% Products 98.78% Standing Orders – AIS 98.78% Standing Orders – PIS 98.78% Statements 98.78% Transactions 98.78% Danske Bank Availability by Endpoint Category: October 2024 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% Transactions 99.99% First Direct Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Halifax Availability by Endpoint Category: October 2024 Account Requests – AIS 99.98% 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 99.92% payments-VRP 99.98% Products 99.94% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Business Availability by Endpoint Category: October 2024 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 99.82% 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: October 2024 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 Personal Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Lloyds Availability by Endpoint Category: October 2024 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 99.99% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.92% payments-VRP 99.96% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% 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 99.99% Mettle Availability by Endpoint Category: October 2024 Account Requests – AIS 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: October 2024 Account Requests – AIS 100.0% Account Requests – CoF 99.25% Accounts 100.0% Balances 99.99% Beneficiaries 99.31% Direct Debits 99.62% Payments – AIS 99.82% Payments – CoF 99.98% Payments – PIS 99.16% payments-VRP 99.14% Products 99.49% Standing Orders – AIS 99.59% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.21% NWB Availability by Endpoint Category: October 2024 Account Requests – AIS 99.57% Account Requests – CoF 99.27% Accounts 99.57% Balances 99.57% Beneficiaries 99.57% Direct Debits 99.57% Payments – AIS 99.92% Payments – CoF 99.27% Payments – PIS 99.27% payments-VRP 99.27% Products 99.57% Standing Orders – AIS 99.57% Standing Orders – PIS 99.27% Statements 99.57% Transactions 99.57% RBS Availability by Endpoint Category: October 2024 Account Requests – AIS 99.5% Account Requests – CoF 99.22% Accounts 99.5% Balances 99.5% Beneficiaries 99.5% Direct Debits 99.5% Payments – AIS 99.5% Payments – CoF 99.22% Payments – PIS 99.22% payments-VRP 99.22% Products 99.5% Standing Orders – AIS 99.5% Standing Orders – PIS 99.22% Statements 99.5% Transactions 99.5% Santander UK plc Availability by Endpoint Category: October 2024 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: October 2024 Account Requests – AIS 99.44% Account Requests – CoF 99.17% Accounts 99.44% Balances 99.44% Beneficiaries 99.44% Direct Debits 99.78% Payments – AIS 99.82% Payments – CoF 99.17% Payments – PIS 99.17% payments-VRP 99.17% Products 99.44% Standing Orders – AIS 99.44% Standing Orders – PIS 99.17% Statements 99.51% Transactions 99.44% 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 October 2024 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Average weighted API availability 99.83% Core hours (06:00-00:00) 99.96% Non core hours (00:00-06:00) 99.47% October 2024 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 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 October. October 2024 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 October. October 2024 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 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 Cater Allen 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: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.21% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.22% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.21% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.22% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.8% Accounts 99.8% Balances 99.8% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 99.8% Products 99.8% Standing Orders – AIS 99.59% Standing Orders – PIS 99.8% Statements 99.8% Transactions 99.64% Bank of Scotland Availability by Endpoint Category: October 2024 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 99.99% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% Barclays Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.99% Accounts 99.8% Balances 99.8% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.8% Standing Orders – PIS 99.96% Statements 99.81% Transactions 99.8% Cater Allen Availability by Endpoint Category: October 2024 Account Requests – AIS 98.78% Accounts 98.78% Balances 98.78% Beneficiaries 98.78% Direct Debits 98.78% Payments – AIS 98.78% Payments – PIS 98.78% Products 98.78% Standing Orders – AIS 98.78% Standing Orders – PIS 98.78% Statements 98.78% Transactions 98.78% Danske Bank Availability by Endpoint Category: October 2024 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% Transactions 99.99% First Direct Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Halifax Availability by Endpoint Category: October 2024 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 99.97% payments-VRP 100.0% Products 99.94% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Business Availability by Endpoint Category: October 2024 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 99.99% 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: October 2024 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 Personal Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Lloyds Availability by Endpoint Category: October 2024 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 99.99% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 99.99% Mettle Availability by Endpoint Category: October 2024 Account Requests – AIS 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: October 2024 Account Requests – AIS 100.0% Account Requests – CoF 99.28% Accounts 100.0% Balances 99.99% Beneficiaries 99.32% Direct Debits 99.62% Payments – AIS 99.82% Payments – CoF 99.98% Payments – PIS 99.75% payments-VRP 99.43% Products 99.49% Standing Orders – AIS 99.59% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.21% NWB Availability by Endpoint Category: October 2024 Account Requests – AIS 99.57% Account Requests – CoF 99.27% Accounts 99.57% Balances 99.57% Beneficiaries 99.57% Direct Debits 99.57% Payments – AIS 99.92% Payments – CoF 99.27% Payments – PIS 99.27% payments-VRP 99.27% Products 99.57% Standing Orders – AIS 99.57% Standing Orders – PIS 99.28% Statements 99.57% Transactions 99.57% RBS Availability by Endpoint Category: October 2024 Account Requests – AIS 99.5% Account Requests – CoF 99.23% Accounts 99.5% Balances 99.5% Beneficiaries 99.5% Direct Debits 99.5% Payments – AIS 99.5% Payments – CoF 99.22% Payments – PIS 99.22% payments-VRP 99.22% Products 99.5% Standing Orders – AIS 99.5% Standing Orders – PIS 99.47% Statements 99.5% Transactions 99.5% Santander UK plc Availability by Endpoint Category: October 2024 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: October 2024 Account Requests – AIS 99.44% Account Requests – CoF 99.2% Accounts 99.44% Balances 99.44% Beneficiaries 99.44% Direct Debits 99.78% Payments – AIS 99.82% Payments – CoF 99.17% Payments – PIS 99.17% payments-VRP 99.19% Products 99.44% Standing Orders – AIS 99.44% Standing Orders – PIS 99.3% Statements 99.51% Transactions 99.44% Average API response times Average API response times by brand Response times by brand October 2024 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. Average API Response Time 350 milliseconds October 2024 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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): October 2024 Account Requests – AIS 138ms Accounts 90ms Balances 61ms Beneficiaries 532ms Direct Debits 875ms Payments – CoF 120ms Payments – PIS 95ms payments-VRP 88ms Products 84ms Standing Orders – AIS 252ms Standing Orders – PIS 364ms Transactions 70ms AIB Group (UK) p.l.c. Response times (milliseconds): October 2024 Account Requests – AIS 111ms Accounts 62ms Balances 36ms Beneficiaries 130ms Direct Debits 68ms Payments – CoF 90ms Payments – PIS 71ms Products 54ms Standing Orders – AIS 192ms Standing Orders – PIS 291ms Transactions 45ms Bank of Ireland UK Response times (milliseconds): October 2024 Account Requests – AIS 174ms Account Requests – CoF 566ms Accounts 340ms Balances 366ms Payments – AIS 437ms Payments – CoF 572ms Payments – PIS 799ms payments-VRP 2,108ms Products 513ms Standing Orders – AIS 535ms Standing Orders – PIS 613ms Statements 675ms Transactions 391ms Bank of Scotland Response times (milliseconds): October 2024 Account Requests – AIS 238ms Account Requests – CoF 290ms Accounts 155ms Balances 178ms Beneficiaries 275ms Direct Debits 235ms Payments – AIS 214ms Payments – CoF 242ms Payments – PIS 524ms payments-VRP 464ms Products 410ms Standing Orders – AIS 210ms Standing Orders – PIS 480ms Statements 381ms Transactions 254ms Barclays Response times (milliseconds): October 2024 Account Requests – AIS 135ms Account Requests – CoF 198ms Accounts 212ms Balances 260ms Beneficiaries 218ms Direct Debits 284ms Payments – AIS 455ms Payments – CoF 369ms Payments – PIS 277ms payments-VRP 538ms Products 439ms Standing Orders – AIS 292ms Standing Orders – PIS 248ms Statements 80ms Transactions 292ms Cater Allen Response times (milliseconds): October 2024 Account Requests – AIS 38ms Accounts 58ms Balances 55ms Beneficiaries 53ms Direct Debits 54ms Payments – AIS 54ms Payments – PIS 48ms Products 53ms Standing Orders – AIS 53ms Standing Orders – PIS 33ms Statements 46ms Transactions 52ms Danske Bank Response times (milliseconds): October 2024 Account Requests – AIS 50ms Account Requests – CoF 90ms Accounts 445ms Balances 221ms Beneficiaries 172ms Direct Debits 373ms Payments – AIS 359ms Payments – CoF 100ms Payments – PIS 76ms payments-VRP 139ms Products 148ms Standing Orders – AIS 411ms Standing Orders – PIS 94ms Transactions 517ms First Direct Response times (milliseconds): October 2024 Account Requests – AIS 134ms Account Requests – CoF 275ms Accounts 333ms Balances 392ms Beneficiaries 493ms Direct Debits 457ms Payments – AIS 724ms Payments – CoF 412ms Payments – PIS 277ms payments-VRP 319ms Products 803ms Standing Orders – AIS 674ms Standing Orders – PIS 252ms Statements 72ms Transactions 560ms Halifax Response times (milliseconds): October 2024 Account Requests – AIS 241ms Account Requests – CoF 290ms Accounts 155ms Balances 179ms Beneficiaries 274ms Direct Debits 235ms Payments – AIS 212ms Payments – CoF 241ms Payments – PIS 566ms payments-VRP 462ms Products 413ms Standing Orders – AIS 209ms Standing Orders – PIS 505ms Statements 373ms Transactions 268ms HSBC Business Response times (milliseconds): October 2024 Account Requests – AIS 171ms Account Requests – CoF 705ms Accounts 499ms Balances 494ms Beneficiaries 309ms Direct Debits 798ms Payments – AIS 382ms Payments – CoF 767ms Payments – PIS 423ms payments-VRP 393ms Products 835ms Standing Orders – AIS 497ms Standing Orders – PIS 301ms Statements 2,553ms Transactions 614ms HSBC Kinetic Response times (milliseconds): October 2024 Account Requests – AIS 132ms Account Requests – CoF 292ms Accounts 534ms Balances 522ms Beneficiaries 376ms Direct Debits 674ms Payments – AIS 658ms Payments – CoF 641ms Payments – PIS 289ms payments-VRP 347ms Products 774ms Standing Orders – AIS 331ms Standing Orders – PIS 180ms Statements 1,941ms Transactions 576ms HSBC Personal Response times (milliseconds): October 2024 Account Requests – AIS 137ms Account Requests – CoF 252ms Accounts 335ms Balances 395ms Beneficiaries 522ms Direct Debits 504ms Payments – AIS 739ms Payments – CoF 409ms Payments – PIS 288ms payments-VRP 302ms Products 777ms Standing Orders – AIS 736ms Standing Orders – PIS 249ms Statements 120ms Transactions 563ms Lloyds Response times (milliseconds): October 2024 Account Requests – AIS 241ms Account Requests – CoF 291ms Accounts 155ms Balances 176ms Beneficiaries 275ms Direct Debits 234ms Payments – AIS 212ms Payments – CoF 240ms Payments – PIS 596ms payments-VRP 460ms Products 410ms Standing Orders – AIS 209ms Standing Orders – PIS 520ms Statements 480ms Transactions 254ms MBNA Response times (milliseconds): October 2024 Account Requests – AIS 246ms Accounts 216ms Balances 272ms Beneficiaries 270ms Direct Debits 167ms Payments – AIS 169ms Products 167ms Standing Orders – AIS 169ms Statements 325ms Transactions 333ms Mettle Response times (milliseconds): October 2024 Account Requests – AIS 71ms Accounts 69ms Balances 59ms Beneficiaries 36ms Direct Debits 129ms Payments – AIS 45ms Payments – PIS 102ms payments-VRP 67ms Products 81ms Standing Orders – AIS 6ms Statements 74ms Transactions 91ms Nationwide Building Society Response times (milliseconds): October 2024 Account Requests – AIS 126ms Account Requests – CoF 228ms Accounts 199ms Balances 182ms Beneficiaries 465ms Direct Debits 609ms Payments – AIS 306ms Payments – CoF 224ms Payments – PIS 353ms payments-VRP 267ms Products 202ms Standing Orders – AIS 207ms Standing Orders – PIS 373ms Statements 3,221ms Transactions 233ms NWB Response times (milliseconds): October 2024 Account Requests – AIS 182ms Account Requests – CoF 446ms Accounts 444ms Balances 380ms Beneficiaries 759ms Direct Debits 289ms Payments – AIS 309ms Payments – CoF 249ms Payments – PIS 417ms payments-VRP 509ms Products 287ms Standing Orders – AIS 357ms Standing Orders – PIS 399ms Statements 202ms Transactions 512ms RBS Response times (milliseconds): October 2024 Account Requests – AIS 191ms Account Requests – CoF 494ms Accounts 447ms Balances 395ms Beneficiaries 805ms Direct Debits 312ms Payments – AIS 339ms Payments – CoF 267ms Payments – PIS 498ms payments-VRP 587ms Products 289ms Standing Orders – AIS 352ms Standing Orders – PIS 416ms Statements 208ms Transactions 502ms Santander UK plc Response times (milliseconds): October 2024 Account Requests – AIS 483ms Account Requests – CoF 597ms Accounts 652ms Balances 678ms Beneficiaries 891ms Direct Debits 763ms Payments – CoF 640ms Payments – PIS 646ms payments-VRP 438ms Products 593ms Standing Orders – AIS 736ms Standing Orders – PIS 738ms Statements 704ms Transactions 857ms UBN Response times (milliseconds): October 2024 Account Requests – AIS 196ms Account Requests – CoF 687ms Accounts 471ms Balances 402ms Beneficiaries 798ms Direct Debits 332ms Payments – AIS 334ms Payments – CoF 292ms Payments – PIS 592ms payments-VRP 733ms Products 294ms Standing Orders – AIS 344ms Standing Orders – PIS 424ms Statements 212ms Transactions 472ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand October 2024 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Successful API calls Total calls 1,747,304,243 % of overall total calls 99.54% AIS Total calls 1,441,843,844 % of overall total calls 82.14% PIS Total calls 91,504,399 % of overall total calls 5.21% October 2024 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand October 2024 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Failed API Calls Total calls 8,025,855 % of overall total calls 0.46% Business Total calls 5,279,507 % of overall total calls 0.30% Technical Total calls 2,746,348 % of overall total calls 0.16% 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. October 2024 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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 October 2024 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Rejected API Calls Total calls 2,148,507 % of overall total calls 0.122% HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs. October 2024 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October key performance metrics 99.64% Average API availability – unweighted 350ms Average API response time 99.54% Successful API calls (%) 99.83% Average API availability – weighted 1747.3m 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 October 2024 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Average API availability 99.64% Core hours (06:00-00:00) 99.83% Non core hours (00:00-06:00) 99.09% 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. October 2024 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 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 October. 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. October 2024 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 October. 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. October 2024 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 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 Cater Allen 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: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.2% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.2% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.2% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.2% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.8% Accounts 99.8% Balances 99.8% Beneficiaries 100.0% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 99.8% Products 99.8% Standing Orders – AIS 99.59% Standing Orders – PIS 99.8% Statements 99.8% Transactions 99.64% Bank of Scotland Availability by Endpoint Category: October 2024 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 99.98% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% Barclays Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.8% Accounts 99.8% Balances 99.8% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.8% Standing Orders – PIS 99.8% Statements 99.8% Transactions 99.8% Cater Allen Availability by Endpoint Category: October 2024 Account Requests – AIS 98.78% Account Requests – CoF 100.0% Accounts 98.78% Balances 98.78% Beneficiaries 98.78% Direct Debits 98.78% Payments – AIS 98.78% Payments – PIS 98.78% Products 98.78% Standing Orders – AIS 98.78% Standing Orders – PIS 98.78% Statements 98.78% Transactions 98.78% Danske Bank Availability by Endpoint Category: October 2024 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% Transactions 99.99% First Direct Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Halifax Availability by Endpoint Category: October 2024 Account Requests – AIS 99.98% 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 99.92% payments-VRP 99.98% Products 99.94% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Business Availability by Endpoint Category: October 2024 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 99.82% 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: October 2024 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 Personal Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Lloyds Availability by Endpoint Category: October 2024 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 99.99% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.92% payments-VRP 99.96% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% 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 99.99% Mettle Availability by Endpoint Category: October 2024 Account Requests – AIS 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: October 2024 Account Requests – AIS 100.0% Account Requests – CoF 99.25% Accounts 100.0% Balances 99.99% Beneficiaries 99.31% Direct Debits 99.62% Payments – AIS 99.82% Payments – CoF 99.98% Payments – PIS 99.16% payments-VRP 99.14% Products 99.49% Standing Orders – AIS 99.59% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.21% NWB Availability by Endpoint Category: October 2024 Account Requests – AIS 99.57% Account Requests – CoF 99.27% Accounts 99.57% Balances 99.57% Beneficiaries 99.57% Direct Debits 99.57% Payments – AIS 99.92% Payments – CoF 99.27% Payments – PIS 99.27% payments-VRP 99.27% Products 99.57% Standing Orders – AIS 99.57% Standing Orders – PIS 99.27% Statements 99.57% Transactions 99.57% RBS Availability by Endpoint Category: October 2024 Account Requests – AIS 99.5% Account Requests – CoF 99.22% Accounts 99.5% Balances 99.5% Beneficiaries 99.5% Direct Debits 99.5% Payments – AIS 99.5% Payments – CoF 99.22% Payments – PIS 99.22% payments-VRP 99.22% Products 99.5% Standing Orders – AIS 99.5% Standing Orders – PIS 99.22% Statements 99.5% Transactions 99.5% Santander UK plc Availability by Endpoint Category: October 2024 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: October 2024 Account Requests – AIS 99.44% Account Requests – CoF 99.17% Accounts 99.44% Balances 99.44% Beneficiaries 99.44% Direct Debits 99.78% Payments – AIS 99.82% Payments – CoF 99.17% Payments – PIS 99.17% payments-VRP 99.17% Products 99.44% Standing Orders – AIS 99.44% Standing Orders – PIS 99.17% Statements 99.51% Transactions 99.44%
October 2024 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Average API availability 99.64% Core hours (06:00-00:00) 99.83% Non core hours (00:00-06:00) 99.09% 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.
October 2024 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 2024 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 October. 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.
October 2024 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 October. 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.
October 2024 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 2024 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 2024 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 Cater Allen 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: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.2% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.2% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.2% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.2% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.8% Accounts 99.8% Balances 99.8% Beneficiaries 100.0% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 99.8% Products 99.8% Standing Orders – AIS 99.59% Standing Orders – PIS 99.8% Statements 99.8% Transactions 99.64% Bank of Scotland Availability by Endpoint Category: October 2024 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 99.98% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% Barclays Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.8% Accounts 99.8% Balances 99.8% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.8% Standing Orders – PIS 99.8% Statements 99.8% Transactions 99.8% Cater Allen Availability by Endpoint Category: October 2024 Account Requests – AIS 98.78% Account Requests – CoF 100.0% Accounts 98.78% Balances 98.78% Beneficiaries 98.78% Direct Debits 98.78% Payments – AIS 98.78% Payments – PIS 98.78% Products 98.78% Standing Orders – AIS 98.78% Standing Orders – PIS 98.78% Statements 98.78% Transactions 98.78% Danske Bank Availability by Endpoint Category: October 2024 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% Transactions 99.99% First Direct Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Halifax Availability by Endpoint Category: October 2024 Account Requests – AIS 99.98% 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 99.92% payments-VRP 99.98% Products 99.94% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Business Availability by Endpoint Category: October 2024 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 99.82% 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: October 2024 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 Personal Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Lloyds Availability by Endpoint Category: October 2024 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 99.99% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.92% payments-VRP 99.96% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% 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 99.99% Mettle Availability by Endpoint Category: October 2024 Account Requests – AIS 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: October 2024 Account Requests – AIS 100.0% Account Requests – CoF 99.25% Accounts 100.0% Balances 99.99% Beneficiaries 99.31% Direct Debits 99.62% Payments – AIS 99.82% Payments – CoF 99.98% Payments – PIS 99.16% payments-VRP 99.14% Products 99.49% Standing Orders – AIS 99.59% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.21% NWB Availability by Endpoint Category: October 2024 Account Requests – AIS 99.57% Account Requests – CoF 99.27% Accounts 99.57% Balances 99.57% Beneficiaries 99.57% Direct Debits 99.57% Payments – AIS 99.92% Payments – CoF 99.27% Payments – PIS 99.27% payments-VRP 99.27% Products 99.57% Standing Orders – AIS 99.57% Standing Orders – PIS 99.27% Statements 99.57% Transactions 99.57% RBS Availability by Endpoint Category: October 2024 Account Requests – AIS 99.5% Account Requests – CoF 99.22% Accounts 99.5% Balances 99.5% Beneficiaries 99.5% Direct Debits 99.5% Payments – AIS 99.5% Payments – CoF 99.22% Payments – PIS 99.22% payments-VRP 99.22% Products 99.5% Standing Orders – AIS 99.5% Standing Orders – PIS 99.22% Statements 99.5% Transactions 99.5% Santander UK plc Availability by Endpoint Category: October 2024 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: October 2024 Account Requests – AIS 99.44% Account Requests – CoF 99.17% Accounts 99.44% Balances 99.44% Beneficiaries 99.44% Direct Debits 99.78% Payments – AIS 99.82% Payments – CoF 99.17% Payments – PIS 99.17% payments-VRP 99.17% Products 99.44% Standing Orders – AIS 99.44% Standing Orders – PIS 99.17% Statements 99.51% Transactions 99.44%
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 October 2024 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Average weighted API availability 99.83% Core hours (06:00-00:00) 99.96% Non core hours (00:00-06:00) 99.47% October 2024 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 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 October. October 2024 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 October. October 2024 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 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 Cater Allen 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: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.21% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.22% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.21% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.22% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.8% Accounts 99.8% Balances 99.8% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 99.8% Products 99.8% Standing Orders – AIS 99.59% Standing Orders – PIS 99.8% Statements 99.8% Transactions 99.64% Bank of Scotland Availability by Endpoint Category: October 2024 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 99.99% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% Barclays Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.99% Accounts 99.8% Balances 99.8% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.8% Standing Orders – PIS 99.96% Statements 99.81% Transactions 99.8% Cater Allen Availability by Endpoint Category: October 2024 Account Requests – AIS 98.78% Accounts 98.78% Balances 98.78% Beneficiaries 98.78% Direct Debits 98.78% Payments – AIS 98.78% Payments – PIS 98.78% Products 98.78% Standing Orders – AIS 98.78% Standing Orders – PIS 98.78% Statements 98.78% Transactions 98.78% Danske Bank Availability by Endpoint Category: October 2024 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% Transactions 99.99% First Direct Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Halifax Availability by Endpoint Category: October 2024 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 99.97% payments-VRP 100.0% Products 99.94% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Business Availability by Endpoint Category: October 2024 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 99.99% 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: October 2024 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 Personal Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Lloyds Availability by Endpoint Category: October 2024 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 99.99% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 99.99% Mettle Availability by Endpoint Category: October 2024 Account Requests – AIS 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: October 2024 Account Requests – AIS 100.0% Account Requests – CoF 99.28% Accounts 100.0% Balances 99.99% Beneficiaries 99.32% Direct Debits 99.62% Payments – AIS 99.82% Payments – CoF 99.98% Payments – PIS 99.75% payments-VRP 99.43% Products 99.49% Standing Orders – AIS 99.59% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.21% NWB Availability by Endpoint Category: October 2024 Account Requests – AIS 99.57% Account Requests – CoF 99.27% Accounts 99.57% Balances 99.57% Beneficiaries 99.57% Direct Debits 99.57% Payments – AIS 99.92% Payments – CoF 99.27% Payments – PIS 99.27% payments-VRP 99.27% Products 99.57% Standing Orders – AIS 99.57% Standing Orders – PIS 99.28% Statements 99.57% Transactions 99.57% RBS Availability by Endpoint Category: October 2024 Account Requests – AIS 99.5% Account Requests – CoF 99.23% Accounts 99.5% Balances 99.5% Beneficiaries 99.5% Direct Debits 99.5% Payments – AIS 99.5% Payments – CoF 99.22% Payments – PIS 99.22% payments-VRP 99.22% Products 99.5% Standing Orders – AIS 99.5% Standing Orders – PIS 99.47% Statements 99.5% Transactions 99.5% Santander UK plc Availability by Endpoint Category: October 2024 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: October 2024 Account Requests – AIS 99.44% Account Requests – CoF 99.2% Accounts 99.44% Balances 99.44% Beneficiaries 99.44% Direct Debits 99.78% Payments – AIS 99.82% Payments – CoF 99.17% Payments – PIS 99.17% payments-VRP 99.19% Products 99.44% Standing Orders – AIS 99.44% Standing Orders – PIS 99.3% Statements 99.51% Transactions 99.44%
October 2024 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October. Average weighted API availability 99.83% Core hours (06:00-00:00) 99.96% Non core hours (00:00-06:00) 99.47%
October 2024 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October.
October 2024 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 October.
October 2024 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 October.
October 2024 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October.
October 2024 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in October.
October 2024 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 Cater Allen 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: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.21% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.22% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 99.21% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 99.22% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.8% Accounts 99.8% Balances 99.8% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 99.8% Products 99.8% Standing Orders – AIS 99.59% Standing Orders – PIS 99.8% Statements 99.8% Transactions 99.64% Bank of Scotland Availability by Endpoint Category: October 2024 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 99.99% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% Barclays Availability by Endpoint Category: October 2024 Account Requests – AIS 99.8% Account Requests – CoF 99.99% Accounts 99.8% Balances 99.8% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 99.8% Payments – CoF 100.0% Payments – PIS 99.8% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 99.8% Standing Orders – PIS 99.96% Statements 99.81% Transactions 99.8% Cater Allen Availability by Endpoint Category: October 2024 Account Requests – AIS 98.78% Accounts 98.78% Balances 98.78% Beneficiaries 98.78% Direct Debits 98.78% Payments – AIS 98.78% Payments – PIS 98.78% Products 98.78% Standing Orders – AIS 98.78% Standing Orders – PIS 98.78% Statements 98.78% Transactions 98.78% Danske Bank Availability by Endpoint Category: October 2024 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% Transactions 99.99% First Direct Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Halifax Availability by Endpoint Category: October 2024 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 99.97% payments-VRP 100.0% Products 99.94% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% HSBC Business Availability by Endpoint Category: October 2024 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 99.99% 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: October 2024 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 Personal Availability by Endpoint Category: October 2024 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 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.99% Lloyds Availability by Endpoint Category: October 2024 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 99.99% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.98% MBNA Availability by Endpoint Category: October 2024 Account Requests – AIS 100.0% Accounts 100.0% Balances 99.98% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 99.99% Mettle Availability by Endpoint Category: October 2024 Account Requests – AIS 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: October 2024 Account Requests – AIS 100.0% Account Requests – CoF 99.28% Accounts 100.0% Balances 99.99% Beneficiaries 99.32% Direct Debits 99.62% Payments – AIS 99.82% Payments – CoF 99.98% Payments – PIS 99.75% payments-VRP 99.43% Products 99.49% Standing Orders – AIS 99.59% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.21% NWB Availability by Endpoint Category: October 2024 Account Requests – AIS 99.57% Account Requests – CoF 99.27% Accounts 99.57% Balances 99.57% Beneficiaries 99.57% Direct Debits 99.57% Payments – AIS 99.92% Payments – CoF 99.27% Payments – PIS 99.27% payments-VRP 99.27% Products 99.57% Standing Orders – AIS 99.57% Standing Orders – PIS 99.28% Statements 99.57% Transactions 99.57% RBS Availability by Endpoint Category: October 2024 Account Requests – AIS 99.5% Account Requests – CoF 99.23% Accounts 99.5% Balances 99.5% Beneficiaries 99.5% Direct Debits 99.5% Payments – AIS 99.5% Payments – CoF 99.22% Payments – PIS 99.22% payments-VRP 99.22% Products 99.5% Standing Orders – AIS 99.5% Standing Orders – PIS 99.47% Statements 99.5% Transactions 99.5% Santander UK plc Availability by Endpoint Category: October 2024 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: October 2024 Account Requests – AIS 99.44% Account Requests – CoF 99.2% Accounts 99.44% Balances 99.44% Beneficiaries 99.44% Direct Debits 99.78% Payments – AIS 99.82% Payments – CoF 99.17% Payments – PIS 99.17% payments-VRP 99.19% Products 99.44% Standing Orders – AIS 99.44% Standing Orders – PIS 99.3% Statements 99.51% Transactions 99.44%
Average API response times Average API response times by brand Response times by brand October 2024 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. Average API Response Time 350 milliseconds October 2024 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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): October 2024 Account Requests – AIS 138ms Accounts 90ms Balances 61ms Beneficiaries 532ms Direct Debits 875ms Payments – CoF 120ms Payments – PIS 95ms payments-VRP 88ms Products 84ms Standing Orders – AIS 252ms Standing Orders – PIS 364ms Transactions 70ms AIB Group (UK) p.l.c. Response times (milliseconds): October 2024 Account Requests – AIS 111ms Accounts 62ms Balances 36ms Beneficiaries 130ms Direct Debits 68ms Payments – CoF 90ms Payments – PIS 71ms Products 54ms Standing Orders – AIS 192ms Standing Orders – PIS 291ms Transactions 45ms Bank of Ireland UK Response times (milliseconds): October 2024 Account Requests – AIS 174ms Account Requests – CoF 566ms Accounts 340ms Balances 366ms Payments – AIS 437ms Payments – CoF 572ms Payments – PIS 799ms payments-VRP 2,108ms Products 513ms Standing Orders – AIS 535ms Standing Orders – PIS 613ms Statements 675ms Transactions 391ms Bank of Scotland Response times (milliseconds): October 2024 Account Requests – AIS 238ms Account Requests – CoF 290ms Accounts 155ms Balances 178ms Beneficiaries 275ms Direct Debits 235ms Payments – AIS 214ms Payments – CoF 242ms Payments – PIS 524ms payments-VRP 464ms Products 410ms Standing Orders – AIS 210ms Standing Orders – PIS 480ms Statements 381ms Transactions 254ms Barclays Response times (milliseconds): October 2024 Account Requests – AIS 135ms Account Requests – CoF 198ms Accounts 212ms Balances 260ms Beneficiaries 218ms Direct Debits 284ms Payments – AIS 455ms Payments – CoF 369ms Payments – PIS 277ms payments-VRP 538ms Products 439ms Standing Orders – AIS 292ms Standing Orders – PIS 248ms Statements 80ms Transactions 292ms Cater Allen Response times (milliseconds): October 2024 Account Requests – AIS 38ms Accounts 58ms Balances 55ms Beneficiaries 53ms Direct Debits 54ms Payments – AIS 54ms Payments – PIS 48ms Products 53ms Standing Orders – AIS 53ms Standing Orders – PIS 33ms Statements 46ms Transactions 52ms Danske Bank Response times (milliseconds): October 2024 Account Requests – AIS 50ms Account Requests – CoF 90ms Accounts 445ms Balances 221ms Beneficiaries 172ms Direct Debits 373ms Payments – AIS 359ms Payments – CoF 100ms Payments – PIS 76ms payments-VRP 139ms Products 148ms Standing Orders – AIS 411ms Standing Orders – PIS 94ms Transactions 517ms First Direct Response times (milliseconds): October 2024 Account Requests – AIS 134ms Account Requests – CoF 275ms Accounts 333ms Balances 392ms Beneficiaries 493ms Direct Debits 457ms Payments – AIS 724ms Payments – CoF 412ms Payments – PIS 277ms payments-VRP 319ms Products 803ms Standing Orders – AIS 674ms Standing Orders – PIS 252ms Statements 72ms Transactions 560ms Halifax Response times (milliseconds): October 2024 Account Requests – AIS 241ms Account Requests – CoF 290ms Accounts 155ms Balances 179ms Beneficiaries 274ms Direct Debits 235ms Payments – AIS 212ms Payments – CoF 241ms Payments – PIS 566ms payments-VRP 462ms Products 413ms Standing Orders – AIS 209ms Standing Orders – PIS 505ms Statements 373ms Transactions 268ms HSBC Business Response times (milliseconds): October 2024 Account Requests – AIS 171ms Account Requests – CoF 705ms Accounts 499ms Balances 494ms Beneficiaries 309ms Direct Debits 798ms Payments – AIS 382ms Payments – CoF 767ms Payments – PIS 423ms payments-VRP 393ms Products 835ms Standing Orders – AIS 497ms Standing Orders – PIS 301ms Statements 2,553ms Transactions 614ms HSBC Kinetic Response times (milliseconds): October 2024 Account Requests – AIS 132ms Account Requests – CoF 292ms Accounts 534ms Balances 522ms Beneficiaries 376ms Direct Debits 674ms Payments – AIS 658ms Payments – CoF 641ms Payments – PIS 289ms payments-VRP 347ms Products 774ms Standing Orders – AIS 331ms Standing Orders – PIS 180ms Statements 1,941ms Transactions 576ms HSBC Personal Response times (milliseconds): October 2024 Account Requests – AIS 137ms Account Requests – CoF 252ms Accounts 335ms Balances 395ms Beneficiaries 522ms Direct Debits 504ms Payments – AIS 739ms Payments – CoF 409ms Payments – PIS 288ms payments-VRP 302ms Products 777ms Standing Orders – AIS 736ms Standing Orders – PIS 249ms Statements 120ms Transactions 563ms Lloyds Response times (milliseconds): October 2024 Account Requests – AIS 241ms Account Requests – CoF 291ms Accounts 155ms Balances 176ms Beneficiaries 275ms Direct Debits 234ms Payments – AIS 212ms Payments – CoF 240ms Payments – PIS 596ms payments-VRP 460ms Products 410ms Standing Orders – AIS 209ms Standing Orders – PIS 520ms Statements 480ms Transactions 254ms MBNA Response times (milliseconds): October 2024 Account Requests – AIS 246ms Accounts 216ms Balances 272ms Beneficiaries 270ms Direct Debits 167ms Payments – AIS 169ms Products 167ms Standing Orders – AIS 169ms Statements 325ms Transactions 333ms Mettle Response times (milliseconds): October 2024 Account Requests – AIS 71ms Accounts 69ms Balances 59ms Beneficiaries 36ms Direct Debits 129ms Payments – AIS 45ms Payments – PIS 102ms payments-VRP 67ms Products 81ms Standing Orders – AIS 6ms Statements 74ms Transactions 91ms Nationwide Building Society Response times (milliseconds): October 2024 Account Requests – AIS 126ms Account Requests – CoF 228ms Accounts 199ms Balances 182ms Beneficiaries 465ms Direct Debits 609ms Payments – AIS 306ms Payments – CoF 224ms Payments – PIS 353ms payments-VRP 267ms Products 202ms Standing Orders – AIS 207ms Standing Orders – PIS 373ms Statements 3,221ms Transactions 233ms NWB Response times (milliseconds): October 2024 Account Requests – AIS 182ms Account Requests – CoF 446ms Accounts 444ms Balances 380ms Beneficiaries 759ms Direct Debits 289ms Payments – AIS 309ms Payments – CoF 249ms Payments – PIS 417ms payments-VRP 509ms Products 287ms Standing Orders – AIS 357ms Standing Orders – PIS 399ms Statements 202ms Transactions 512ms RBS Response times (milliseconds): October 2024 Account Requests – AIS 191ms Account Requests – CoF 494ms Accounts 447ms Balances 395ms Beneficiaries 805ms Direct Debits 312ms Payments – AIS 339ms Payments – CoF 267ms Payments – PIS 498ms payments-VRP 587ms Products 289ms Standing Orders – AIS 352ms Standing Orders – PIS 416ms Statements 208ms Transactions 502ms Santander UK plc Response times (milliseconds): October 2024 Account Requests – AIS 483ms Account Requests – CoF 597ms Accounts 652ms Balances 678ms Beneficiaries 891ms Direct Debits 763ms Payments – CoF 640ms Payments – PIS 646ms payments-VRP 438ms Products 593ms Standing Orders – AIS 736ms Standing Orders – PIS 738ms Statements 704ms Transactions 857ms UBN Response times (milliseconds): October 2024 Account Requests – AIS 196ms Account Requests – CoF 687ms Accounts 471ms Balances 402ms Beneficiaries 798ms Direct Debits 332ms Payments – AIS 334ms Payments – CoF 292ms Payments – PIS 592ms payments-VRP 733ms Products 294ms Standing Orders – AIS 344ms Standing Orders – PIS 424ms Statements 212ms Transactions 472ms
October 2024 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October. Average API Response Time 350 milliseconds
October 2024 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in October.
October 2024 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays Cater Allen 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): October 2024 Account Requests – AIS 138ms Accounts 90ms Balances 61ms Beneficiaries 532ms Direct Debits 875ms Payments – CoF 120ms Payments – PIS 95ms payments-VRP 88ms Products 84ms Standing Orders – AIS 252ms Standing Orders – PIS 364ms Transactions 70ms AIB Group (UK) p.l.c. Response times (milliseconds): October 2024 Account Requests – AIS 111ms Accounts 62ms Balances 36ms Beneficiaries 130ms Direct Debits 68ms Payments – CoF 90ms Payments – PIS 71ms Products 54ms Standing Orders – AIS 192ms Standing Orders – PIS 291ms Transactions 45ms Bank of Ireland UK Response times (milliseconds): October 2024 Account Requests – AIS 174ms Account Requests – CoF 566ms Accounts 340ms Balances 366ms Payments – AIS 437ms Payments – CoF 572ms Payments – PIS 799ms payments-VRP 2,108ms Products 513ms Standing Orders – AIS 535ms Standing Orders – PIS 613ms Statements 675ms Transactions 391ms Bank of Scotland Response times (milliseconds): October 2024 Account Requests – AIS 238ms Account Requests – CoF 290ms Accounts 155ms Balances 178ms Beneficiaries 275ms Direct Debits 235ms Payments – AIS 214ms Payments – CoF 242ms Payments – PIS 524ms payments-VRP 464ms Products 410ms Standing Orders – AIS 210ms Standing Orders – PIS 480ms Statements 381ms Transactions 254ms Barclays Response times (milliseconds): October 2024 Account Requests – AIS 135ms Account Requests – CoF 198ms Accounts 212ms Balances 260ms Beneficiaries 218ms Direct Debits 284ms Payments – AIS 455ms Payments – CoF 369ms Payments – PIS 277ms payments-VRP 538ms Products 439ms Standing Orders – AIS 292ms Standing Orders – PIS 248ms Statements 80ms Transactions 292ms Cater Allen Response times (milliseconds): October 2024 Account Requests – AIS 38ms Accounts 58ms Balances 55ms Beneficiaries 53ms Direct Debits 54ms Payments – AIS 54ms Payments – PIS 48ms Products 53ms Standing Orders – AIS 53ms Standing Orders – PIS 33ms Statements 46ms Transactions 52ms Danske Bank Response times (milliseconds): October 2024 Account Requests – AIS 50ms Account Requests – CoF 90ms Accounts 445ms Balances 221ms Beneficiaries 172ms Direct Debits 373ms Payments – AIS 359ms Payments – CoF 100ms Payments – PIS 76ms payments-VRP 139ms Products 148ms Standing Orders – AIS 411ms Standing Orders – PIS 94ms Transactions 517ms First Direct Response times (milliseconds): October 2024 Account Requests – AIS 134ms Account Requests – CoF 275ms Accounts 333ms Balances 392ms Beneficiaries 493ms Direct Debits 457ms Payments – AIS 724ms Payments – CoF 412ms Payments – PIS 277ms payments-VRP 319ms Products 803ms Standing Orders – AIS 674ms Standing Orders – PIS 252ms Statements 72ms Transactions 560ms Halifax Response times (milliseconds): October 2024 Account Requests – AIS 241ms Account Requests – CoF 290ms Accounts 155ms Balances 179ms Beneficiaries 274ms Direct Debits 235ms Payments – AIS 212ms Payments – CoF 241ms Payments – PIS 566ms payments-VRP 462ms Products 413ms Standing Orders – AIS 209ms Standing Orders – PIS 505ms Statements 373ms Transactions 268ms HSBC Business Response times (milliseconds): October 2024 Account Requests – AIS 171ms Account Requests – CoF 705ms Accounts 499ms Balances 494ms Beneficiaries 309ms Direct Debits 798ms Payments – AIS 382ms Payments – CoF 767ms Payments – PIS 423ms payments-VRP 393ms Products 835ms Standing Orders – AIS 497ms Standing Orders – PIS 301ms Statements 2,553ms Transactions 614ms HSBC Kinetic Response times (milliseconds): October 2024 Account Requests – AIS 132ms Account Requests – CoF 292ms Accounts 534ms Balances 522ms Beneficiaries 376ms Direct Debits 674ms Payments – AIS 658ms Payments – CoF 641ms Payments – PIS 289ms payments-VRP 347ms Products 774ms Standing Orders – AIS 331ms Standing Orders – PIS 180ms Statements 1,941ms Transactions 576ms HSBC Personal Response times (milliseconds): October 2024 Account Requests – AIS 137ms Account Requests – CoF 252ms Accounts 335ms Balances 395ms Beneficiaries 522ms Direct Debits 504ms Payments – AIS 739ms Payments – CoF 409ms Payments – PIS 288ms payments-VRP 302ms Products 777ms Standing Orders – AIS 736ms Standing Orders – PIS 249ms Statements 120ms Transactions 563ms Lloyds Response times (milliseconds): October 2024 Account Requests – AIS 241ms Account Requests – CoF 291ms Accounts 155ms Balances 176ms Beneficiaries 275ms Direct Debits 234ms Payments – AIS 212ms Payments – CoF 240ms Payments – PIS 596ms payments-VRP 460ms Products 410ms Standing Orders – AIS 209ms Standing Orders – PIS 520ms Statements 480ms Transactions 254ms MBNA Response times (milliseconds): October 2024 Account Requests – AIS 246ms Accounts 216ms Balances 272ms Beneficiaries 270ms Direct Debits 167ms Payments – AIS 169ms Products 167ms Standing Orders – AIS 169ms Statements 325ms Transactions 333ms Mettle Response times (milliseconds): October 2024 Account Requests – AIS 71ms Accounts 69ms Balances 59ms Beneficiaries 36ms Direct Debits 129ms Payments – AIS 45ms Payments – PIS 102ms payments-VRP 67ms Products 81ms Standing Orders – AIS 6ms Statements 74ms Transactions 91ms Nationwide Building Society Response times (milliseconds): October 2024 Account Requests – AIS 126ms Account Requests – CoF 228ms Accounts 199ms Balances 182ms Beneficiaries 465ms Direct Debits 609ms Payments – AIS 306ms Payments – CoF 224ms Payments – PIS 353ms payments-VRP 267ms Products 202ms Standing Orders – AIS 207ms Standing Orders – PIS 373ms Statements 3,221ms Transactions 233ms NWB Response times (milliseconds): October 2024 Account Requests – AIS 182ms Account Requests – CoF 446ms Accounts 444ms Balances 380ms Beneficiaries 759ms Direct Debits 289ms Payments – AIS 309ms Payments – CoF 249ms Payments – PIS 417ms payments-VRP 509ms Products 287ms Standing Orders – AIS 357ms Standing Orders – PIS 399ms Statements 202ms Transactions 512ms RBS Response times (milliseconds): October 2024 Account Requests – AIS 191ms Account Requests – CoF 494ms Accounts 447ms Balances 395ms Beneficiaries 805ms Direct Debits 312ms Payments – AIS 339ms Payments – CoF 267ms Payments – PIS 498ms payments-VRP 587ms Products 289ms Standing Orders – AIS 352ms Standing Orders – PIS 416ms Statements 208ms Transactions 502ms Santander UK plc Response times (milliseconds): October 2024 Account Requests – AIS 483ms Account Requests – CoF 597ms Accounts 652ms Balances 678ms Beneficiaries 891ms Direct Debits 763ms Payments – CoF 640ms Payments – PIS 646ms payments-VRP 438ms Products 593ms Standing Orders – AIS 736ms Standing Orders – PIS 738ms Statements 704ms Transactions 857ms UBN Response times (milliseconds): October 2024 Account Requests – AIS 196ms Account Requests – CoF 687ms Accounts 471ms Balances 402ms Beneficiaries 798ms Direct Debits 332ms Payments – AIS 334ms Payments – CoF 292ms Payments – PIS 592ms payments-VRP 733ms Products 294ms Standing Orders – AIS 344ms Standing Orders – PIS 424ms Statements 212ms Transactions 472ms
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand October 2024 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Successful API calls Total calls 1,747,304,243 % of overall total calls 99.54% AIS Total calls 1,441,843,844 % of overall total calls 82.14% PIS Total calls 91,504,399 % of overall total calls 5.21% October 2024 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. October 2024 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October.
October 2024 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Successful API calls Total calls 1,747,304,243 % of overall total calls 99.54% AIS Total calls 1,441,843,844 % of overall total calls 82.14% PIS Total calls 91,504,399 % of overall total calls 5.21%
October 2024 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October.
October 2024 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October.
October 2024 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October.
October 2024 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in October.
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand October 2024 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Failed API Calls Total calls 8,025,855 % of overall total calls 0.46% Business Total calls 5,279,507 % of overall total calls 0.30% Technical Total calls 2,746,348 % of overall total calls 0.16% 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. October 2024 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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. October 2024 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 2024 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Failed API Calls Total calls 8,025,855 % of overall total calls 0.46% Business Total calls 5,279,507 % of overall total calls 0.30% Technical Total calls 2,746,348 % of overall total calls 0.16% 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.
October 2024 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 2024 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 2024 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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 October 2024 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Rejected API Calls Total calls 2,148,507 % of overall total calls 0.122% HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs. October 2024 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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.
October 2024 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. Rejected API Calls Total calls 2,148,507 % of overall total calls 0.122% HSBC are currently the only ASPSP including abandoned consent requests in rejected API call reporting and therefore show higher rejected call volumes than other ASPSPs.
October 2024 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in October. 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.