API Performance StatsSelect a month:January 2025December 2024November 2024October 2024September 2024August 2024July 2024June 2024May 2024April 2024March 2024February 2024January 2024December 2023November 2023October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 2023December 2022November 2022October 2022September 2022August 2022July 2022June 2022May 2022Download historical data (last 12 months):Download dataHistoric Data Download- csv (CSV)Historic Data Download (PDF) Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.Notes on the data: Unweighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Weighted availability is calculated by applying a factor to the availability of each endpoint, each day, based on the proportion of total daily API calls to that endpoint.Notes on the data: Weighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Successful API calls This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Successful Payments This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Average API call response times This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data. Open Banking Users All Users AIS users PIS users All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart January key performance metrics 99.52% Average API availability – unweighted 331ms Average API response time 99.58% Successful API calls (%) 99.80% Average API availability – weighted 1909.2m Successful API calls (actual) 0.42% 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 January 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Average API availability 99.53% Core hours (06:00-00:00) 99.72% Non core hours (00:00-06:00) 98.95% 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. January 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays 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: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 99.26% Payments – PIS 98.72% payments-VRP 98.92% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.72% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 99.87% Payments – PIS 98.72% payments-VRP 98.92% Standing Orders – AIS 100.0% Standing Orders – PIS 98.72% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: January 2025 Account Requests – AIS 98.64% Account Requests – CoF 99.45% Accounts 99.45% Balances 99.45% Beneficiaries 100.0% Payments – AIS 99.45% Payments – CoF 99.45% Payments – PIS 98.64% payments-VRP 99.45% Products 99.45% Standing Orders – AIS 99.45% Standing Orders – PIS 98.64% Statements 99.45% Transactions 99.36% Bank of Scotland Availability by Endpoint Category: January 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 99.98% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Barclays Availability by Endpoint Category: January 2025 Account Requests – AIS 98.1% Account Requests – CoF 98.1% Accounts 98.1% Balances 98.1% Beneficiaries 98.1% Direct Debits 98.1% Payments – AIS 98.1% Payments – CoF 98.1% Payments – PIS 98.1% payments-VRP 98.1% Products 98.1% Standing Orders – AIS 98.1% Standing Orders – PIS 98.1% Statements 98.1% Transactions 98.1% Cater Allen Availability by Endpoint Category: January 2025 Account Requests – AIS 99.43% Account Requests – CoF 100.0% Accounts 99.43% Balances 99.43% Beneficiaries 99.43% Direct Debits 99.43% Payments – AIS 99.43% Payments – PIS 99.43% Products 99.43% Standing Orders – AIS 99.43% Standing Orders – PIS 99.43% Statements 99.43% Transactions 99.43% Danske Bank Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.83% Balances 99.83% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.95% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.83% First Direct Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Halifax Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.77% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 99.49% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.78% HSBC Business Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Personal Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Lloyds Availability by Endpoint Category: January 2025 Account Requests – AIS 99.93% Account Requests – CoF 100.0% Accounts 99.91% Balances 99.83% Beneficiaries 100.0% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 99.99% Payments – PIS 99.96% payments-VRP 99.08% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.81% MBNA Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.95% 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: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 99.94% 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: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 99.9% Accounts 99.89% Balances 99.91% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.91% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.9% NWB Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.96% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.96% Payments – PIS 99.96% payments-VRP 99.96% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.96% Transactions 99.96% RBS Availability by Endpoint Category: January 2025 Account Requests – AIS 99.95% Account Requests – CoF 99.95% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.95% Payments – PIS 99.95% payments-VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.95% Statements 99.95% Transactions 99.82% Santander UK plc Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: January 2025 Account Requests – AIS 99.94% Account Requests – CoF 99.94% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – CoF 99.94% Payments – PIS 99.94% payments-VRP 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Transactions 99.58% 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 January 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Average weighted API availability 99.80% Core hours (06:00-00:00) 99.85% Non core hours (00:00-06:00) 99.66% January 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays 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: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 99.26% Payments – PIS 98.73% payments-VRP 98.92% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.72% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 99.87% Payments – PIS 98.73% payments-VRP 99.07% Standing Orders – AIS 100.0% Standing Orders – PIS 98.73% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: January 2025 Account Requests – AIS 98.64% Account Requests – CoF 99.53% Accounts 99.45% Balances 99.45% Payments – AIS 99.45% Payments – CoF 99.45% Payments – PIS 99.27% payments-VRP 99.45% Products 99.45% Standing Orders – AIS 99.45% Standing Orders – PIS 98.64% Statements 99.45% Transactions 99.36% Bank of Scotland Availability by Endpoint Category: January 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Barclays Availability by Endpoint Category: January 2025 Account Requests – AIS 98.1% Account Requests – CoF 98.1% Accounts 98.1% Balances 98.1% Beneficiaries 98.1% Direct Debits 98.1% Payments – AIS 98.1% Payments – CoF 98.1% Payments – PIS 98.1% payments-VRP 98.1% Products 98.1% Standing Orders – AIS 98.1% Standing Orders – PIS 98.1% Statements 98.1% Transactions 98.1% Cater Allen Availability by Endpoint Category: January 2025 Account Requests – AIS 99.43% Accounts 99.43% Balances 99.43% Beneficiaries 99.43% Direct Debits 99.43% Payments – AIS 99.43% Payments – PIS 99.43% Products 99.43% Standing Orders – AIS 99.43% Standing Orders – PIS 99.43% Statements 99.43% Transactions 99.43% Danske Bank Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.83% Balances 99.83% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.96% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.83% First Direct Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Halifax Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.83% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.78% HSBC Business Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Personal Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Lloyds Availability by Endpoint Category: January 2025 Account Requests – AIS 99.93% Account Requests – CoF 100.0% Accounts 99.91% Balances 99.83% Beneficiaries 100.0% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 99.99% Payments – PIS 99.99% payments-VRP 99.98% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.81% MBNA Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 99.99% Mettle Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 99.96% 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: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 99.91% Accounts 99.89% Balances 99.91% 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 99.9% NWB Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.96% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.96% Payments – PIS 99.96% payments-VRP 99.96% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.97% Statements 99.96% Transactions 99.96% RBS Availability by Endpoint Category: January 2025 Account Requests – AIS 99.95% Account Requests – CoF 99.95% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.95% Payments – PIS 99.95% payments-VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.95% Statements 99.95% Transactions 99.82% Santander UK plc Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: January 2025 Account Requests – AIS 99.94% Account Requests – CoF 99.94% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – CoF 99.94% Payments – PIS 99.94% payments-VRP 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Transactions 99.58% Average API response times Average API response times by brand Response times by brand January 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. Average API Response Time 331 milliseconds January 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays 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): January 2025 Account Requests – AIS 132ms Accounts 85ms Balances 52ms Direct Debits 1,339ms Payments – CoF 148ms Payments – PIS 80ms payments-VRP 73ms Products 348ms Standing Orders – AIS 362ms Standing Orders – PIS 85ms Transactions 60ms AIB Group (UK) p.l.c. Response times (milliseconds): January 2025 Account Requests – AIS 122ms Accounts 68ms Balances 38ms Payments – CoF 177ms Payments – PIS 72ms payments-VRP 723ms Standing Orders – AIS 283ms Standing Orders – PIS 80ms Transactions 46ms Bank of Ireland UK Response times (milliseconds): January 2025 Account Requests – AIS 170ms Account Requests – CoF 889ms Accounts 339ms Balances 367ms Payments – AIS 412ms Payments – CoF 282ms Payments – PIS 844ms payments-VRP 1,294ms Products 582ms Standing Orders – AIS 438ms Standing Orders – PIS 674ms Statements 654ms Transactions 405ms Bank of Scotland Response times (milliseconds): January 2025 Account Requests – AIS 282ms Account Requests – CoF 300ms Accounts 170ms Balances 190ms Beneficiaries 284ms Direct Debits 252ms Payments – AIS 232ms Payments – CoF 259ms Payments – PIS 416ms payments-VRP 503ms Products 432ms Standing Orders – AIS 226ms Standing Orders – PIS 604ms Statements 395ms Transactions 273ms Barclays Response times (milliseconds): January 2025 Account Requests – AIS 120ms Account Requests – CoF 282ms Accounts 215ms Balances 228ms Beneficiaries 247ms Direct Debits 414ms Payments – AIS 364ms Payments – CoF 311ms Payments – PIS 258ms payments-VRP 494ms Products 382ms Standing Orders – AIS 263ms Standing Orders – PIS 195ms Statements 80ms Transactions 273ms Cater Allen Response times (milliseconds): January 2025 Account Requests – AIS 66ms Accounts 78ms Balances 67ms Beneficiaries 89ms Direct Debits 89ms Payments – AIS 90ms Payments – PIS 70ms Products 90ms Standing Orders – AIS 89ms Standing Orders – PIS 32ms Statements 75ms Transactions 55ms Danske Bank Response times (milliseconds): January 2025 Account Requests – AIS 46ms Account Requests – CoF 364ms Accounts 430ms Balances 190ms Beneficiaries 195ms Direct Debits 329ms Payments – AIS 325ms Payments – CoF 92ms Payments – PIS 67ms payments-VRP 112ms Products 133ms Standing Orders – AIS 378ms Standing Orders – PIS 78ms Transactions 632ms First Direct Response times (milliseconds): January 2025 Account Requests – AIS 142ms Account Requests – CoF 283ms Accounts 311ms Balances 361ms Beneficiaries 440ms Direct Debits 406ms Payments – AIS 594ms Payments – CoF 386ms Payments – PIS 254ms payments-VRP 301ms Products 672ms Standing Orders – AIS 607ms Standing Orders – PIS 271ms Statements 512ms Transactions 531ms Halifax Response times (milliseconds): January 2025 Account Requests – AIS 284ms Account Requests – CoF 286ms Accounts 170ms Balances 193ms Beneficiaries 286ms Direct Debits 252ms Payments – AIS 230ms Payments – CoF 259ms Payments – PIS 423ms payments-VRP 500ms Products 431ms Standing Orders – AIS 226ms Standing Orders – PIS 578ms Statements 394ms Transactions 286ms HSBC Business Response times (milliseconds): January 2025 Account Requests – AIS 181ms Account Requests – CoF 755ms Accounts 465ms Balances 458ms Beneficiaries 303ms Direct Debits 752ms Payments – AIS 341ms Payments – CoF 794ms Payments – PIS 433ms payments-VRP 372ms Products 792ms Standing Orders – AIS 447ms Standing Orders – PIS 295ms Statements 2,372ms Transactions 597ms HSBC Kinetic Response times (milliseconds): January 2025 Account Requests – AIS 138ms Account Requests – CoF 247ms Accounts 388ms Balances 409ms Beneficiaries 280ms Direct Debits 685ms Payments – AIS 526ms Payments – CoF 453ms Payments – PIS 290ms payments-VRP 356ms Products 550ms Standing Orders – AIS 715ms Standing Orders – PIS 189ms Statements 1,178ms Transactions 526ms HSBC Personal Response times (milliseconds): January 2025 Account Requests – AIS 146ms Account Requests – CoF 251ms Accounts 320ms Balances 363ms Beneficiaries 485ms Direct Debits 408ms Payments – AIS 638ms Payments – CoF 384ms Payments – PIS 251ms payments-VRP 300ms Products 665ms Standing Orders – AIS 658ms Standing Orders – PIS 326ms Statements 231ms Transactions 533ms Lloyds Response times (milliseconds): January 2025 Account Requests – AIS 284ms Account Requests – CoF 279ms Accounts 170ms Balances 189ms Beneficiaries 285ms Direct Debits 251ms Payments – AIS 230ms Payments – CoF 257ms Payments – PIS 430ms payments-VRP 499ms Products 429ms Standing Orders – AIS 226ms Standing Orders – PIS 560ms Statements 532ms Transactions 272ms MBNA Response times (milliseconds): January 2025 Account Requests – AIS 288ms Account Requests – CoF 300ms Accounts 233ms Balances 289ms Beneficiaries 282ms Direct Debits 187ms Payments – AIS 187ms Products 184ms Standing Orders – AIS 187ms Statements 343ms Transactions 361ms Mettle Response times (milliseconds): January 2025 Account Requests – AIS 74ms Account Requests – CoF 206ms Accounts 73ms Balances 61ms Beneficiaries 38ms Direct Debits 184ms Payments – AIS 46ms Payments – PIS 102ms payments-VRP 87ms Products 83ms Standing Orders – AIS 7ms Statements 74ms Transactions 95ms Nationwide Building Society Response times (milliseconds): January 2025 Account Requests – AIS 136ms Account Requests – CoF 220ms Accounts 198ms Balances 169ms Beneficiaries 446ms Direct Debits 572ms Payments – AIS 254ms Payments – CoF 204ms Payments – PIS 275ms payments-VRP 252ms Products 186ms Standing Orders – AIS 190ms Standing Orders – PIS 313ms Statements 1,307ms Transactions 212ms NWB Response times (milliseconds): January 2025 Account Requests – AIS 161ms Account Requests – CoF 391ms Accounts 395ms Balances 321ms Beneficiaries 693ms Direct Debits 252ms Payments – AIS 261ms Payments – CoF 218ms Payments – PIS 368ms payments-VRP 455ms Products 258ms Standing Orders – AIS 317ms Standing Orders – PIS 306ms Statements 179ms Transactions 476ms RBS Response times (milliseconds): January 2025 Account Requests – AIS 173ms Account Requests – CoF 444ms Accounts 401ms Balances 347ms Beneficiaries 709ms Direct Debits 277ms Payments – AIS 300ms Payments – CoF 233ms Payments – PIS 421ms payments-VRP 530ms Products 268ms Standing Orders – AIS 310ms Standing Orders – PIS 345ms Statements 186ms Transactions 451ms Santander UK plc Response times (milliseconds): January 2025 Account Requests – AIS 473ms Account Requests – CoF 549ms Accounts 632ms Balances 643ms Beneficiaries 850ms Direct Debits 729ms Payments – CoF 609ms Payments – PIS 733ms payments-VRP 424ms Products 560ms Standing Orders – AIS 712ms Standing Orders – PIS 878ms Statements 636ms Transactions 756ms UBN Response times (milliseconds): January 2025 Account Requests – AIS 174ms Account Requests – CoF 622ms Accounts 421ms Balances 322ms Beneficiaries 673ms Direct Debits 298ms Payments – AIS 292ms Payments – CoF 256ms Payments – PIS 453ms payments-VRP 635ms Products 234ms Standing Orders – AIS 303ms Standing Orders – PIS 287ms Transactions 403ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand January 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Successful API calls Total calls 1,909,174,998 % of overall total calls 99.58% AIS Total calls 1,533,540,636 % of overall total calls 79.99% PIS Total calls 109,535,541 % of overall total calls 5.71% January 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand January 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Failed API Calls Total calls 8,086,193 % of overall total calls 0.42% Business Total calls 6,165,599 % of overall total calls 0.32% Technical Total calls 1,920,594 % of overall total calls 0.10% 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. January 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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 January 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Rejected API Calls Total calls 2,768,553 % of overall total calls 0.144% 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. January 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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:January 2025December 2024November 2024October 2024September 2024August 2024July 2024June 2024May 2024April 2024March 2024February 2024January 2024December 2023November 2023October 2023September 2023August 2023July 2023June 2023May 2023April 2023March 2023February 2023January 2023December 2022November 2022October 2022September 2022August 2022July 2022June 2022May 2022Download historical data (last 12 months):Download dataHistoric Data Download- csv (CSV)Historic Data Download (PDF)
Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Unweighted availability is calculated using the endpoint with the highest downtime for each bank, each day, regardless of the number of API calls each endpoint received.Notes on the data: Unweighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data.
Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs. Unweighted Weighted Weighted availability is calculated by applying a factor to the availability of each endpoint, each day, based on the proportion of total daily API calls to that endpoint.Notes on the data: Weighted average API availability is based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data.
Successful API calls This chart shows the number of successful API calls made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful API calls are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data.
Successful Payments This chart shows the number of successful single domestic payment and variable recurring payment initiations made by third party providers using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Successful payment initiations are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data.
Average API call response times This chart shows the average response time for API calls made using account providers’ (ASPSPs)* Open Banking APIs. Notes on the data: Average API call response times are based on data submitted by account providers (ASPSPs) to Open Banking for the last two years. Since November 2022 there have been 9 Providers and 20 brands providing data.
Open Banking Users All Users AIS users PIS users All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data. AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart
All Users This chart shows the total and number of new users consuming Open Banking services each month Notes on the data:All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chartSince November 2022 there have been 9 Providers and 20 brands providing data.
AIS users This chart shows the total and number of AIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart
PIS Users This chart shows the total and number of PIS users consuming Open Banking services each month Notes on the data: All users have consumed AIS and/or PIS services in the reporting period. Total users as reported includes the volume of new users.Open Banking are unable to identify individuals consuming services through more than one brand. Reporting therefore represents the number of user connections with the brands providing reporting, rather than individual users.New users have consumed AIS and/or PIS services for the first time during the reporting period. Users consuming both services for the first time in different reporting periods, will be reported as a new user in each period in the ‘All Users’ chart
January key performance metrics 99.52% Average API availability – unweighted 331ms Average API response time 99.58% Successful API calls (%) 99.80% Average API availability – weighted 1909.2m Successful API calls (actual) 0.42% 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 January 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Average API availability 99.53% Core hours (06:00-00:00) 99.72% Non core hours (00:00-06:00) 98.95% 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. January 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays 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: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 99.26% Payments – PIS 98.72% payments-VRP 98.92% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.72% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 99.87% Payments – PIS 98.72% payments-VRP 98.92% Standing Orders – AIS 100.0% Standing Orders – PIS 98.72% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: January 2025 Account Requests – AIS 98.64% Account Requests – CoF 99.45% Accounts 99.45% Balances 99.45% Beneficiaries 100.0% Payments – AIS 99.45% Payments – CoF 99.45% Payments – PIS 98.64% payments-VRP 99.45% Products 99.45% Standing Orders – AIS 99.45% Standing Orders – PIS 98.64% Statements 99.45% Transactions 99.36% Bank of Scotland Availability by Endpoint Category: January 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 99.98% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Barclays Availability by Endpoint Category: January 2025 Account Requests – AIS 98.1% Account Requests – CoF 98.1% Accounts 98.1% Balances 98.1% Beneficiaries 98.1% Direct Debits 98.1% Payments – AIS 98.1% Payments – CoF 98.1% Payments – PIS 98.1% payments-VRP 98.1% Products 98.1% Standing Orders – AIS 98.1% Standing Orders – PIS 98.1% Statements 98.1% Transactions 98.1% Cater Allen Availability by Endpoint Category: January 2025 Account Requests – AIS 99.43% Account Requests – CoF 100.0% Accounts 99.43% Balances 99.43% Beneficiaries 99.43% Direct Debits 99.43% Payments – AIS 99.43% Payments – PIS 99.43% Products 99.43% Standing Orders – AIS 99.43% Standing Orders – PIS 99.43% Statements 99.43% Transactions 99.43% Danske Bank Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.83% Balances 99.83% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.95% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.83% First Direct Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Halifax Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.77% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 99.49% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.78% HSBC Business Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Personal Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Lloyds Availability by Endpoint Category: January 2025 Account Requests – AIS 99.93% Account Requests – CoF 100.0% Accounts 99.91% Balances 99.83% Beneficiaries 100.0% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 99.99% Payments – PIS 99.96% payments-VRP 99.08% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.81% MBNA Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.95% 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: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 99.94% 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: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 99.9% Accounts 99.89% Balances 99.91% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.91% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.9% NWB Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.96% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.96% Payments – PIS 99.96% payments-VRP 99.96% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.96% Transactions 99.96% RBS Availability by Endpoint Category: January 2025 Account Requests – AIS 99.95% Account Requests – CoF 99.95% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.95% Payments – PIS 99.95% payments-VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.95% Statements 99.95% Transactions 99.82% Santander UK plc Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: January 2025 Account Requests – AIS 99.94% Account Requests – CoF 99.94% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – CoF 99.94% Payments – PIS 99.94% payments-VRP 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Transactions 99.58% 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 January 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Average weighted API availability 99.80% Core hours (06:00-00:00) 99.85% Non core hours (00:00-06:00) 99.66% January 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays 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: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 99.26% Payments – PIS 98.73% payments-VRP 98.92% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.72% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 99.87% Payments – PIS 98.73% payments-VRP 99.07% Standing Orders – AIS 100.0% Standing Orders – PIS 98.73% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: January 2025 Account Requests – AIS 98.64% Account Requests – CoF 99.53% Accounts 99.45% Balances 99.45% Payments – AIS 99.45% Payments – CoF 99.45% Payments – PIS 99.27% payments-VRP 99.45% Products 99.45% Standing Orders – AIS 99.45% Standing Orders – PIS 98.64% Statements 99.45% Transactions 99.36% Bank of Scotland Availability by Endpoint Category: January 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Barclays Availability by Endpoint Category: January 2025 Account Requests – AIS 98.1% Account Requests – CoF 98.1% Accounts 98.1% Balances 98.1% Beneficiaries 98.1% Direct Debits 98.1% Payments – AIS 98.1% Payments – CoF 98.1% Payments – PIS 98.1% payments-VRP 98.1% Products 98.1% Standing Orders – AIS 98.1% Standing Orders – PIS 98.1% Statements 98.1% Transactions 98.1% Cater Allen Availability by Endpoint Category: January 2025 Account Requests – AIS 99.43% Accounts 99.43% Balances 99.43% Beneficiaries 99.43% Direct Debits 99.43% Payments – AIS 99.43% Payments – PIS 99.43% Products 99.43% Standing Orders – AIS 99.43% Standing Orders – PIS 99.43% Statements 99.43% Transactions 99.43% Danske Bank Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.83% Balances 99.83% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.96% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.83% First Direct Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Halifax Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.83% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.78% HSBC Business Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Personal Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Lloyds Availability by Endpoint Category: January 2025 Account Requests – AIS 99.93% Account Requests – CoF 100.0% Accounts 99.91% Balances 99.83% Beneficiaries 100.0% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 99.99% Payments – PIS 99.99% payments-VRP 99.98% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.81% MBNA Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 99.99% Mettle Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 99.96% 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: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 99.91% Accounts 99.89% Balances 99.91% 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 99.9% NWB Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.96% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.96% Payments – PIS 99.96% payments-VRP 99.96% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.97% Statements 99.96% Transactions 99.96% RBS Availability by Endpoint Category: January 2025 Account Requests – AIS 99.95% Account Requests – CoF 99.95% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.95% Payments – PIS 99.95% payments-VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.95% Statements 99.95% Transactions 99.82% Santander UK plc Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: January 2025 Account Requests – AIS 99.94% Account Requests – CoF 99.94% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – CoF 99.94% Payments – PIS 99.94% payments-VRP 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Transactions 99.58% Average API response times Average API response times by brand Response times by brand January 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. Average API Response Time 331 milliseconds January 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays 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): January 2025 Account Requests – AIS 132ms Accounts 85ms Balances 52ms Direct Debits 1,339ms Payments – CoF 148ms Payments – PIS 80ms payments-VRP 73ms Products 348ms Standing Orders – AIS 362ms Standing Orders – PIS 85ms Transactions 60ms AIB Group (UK) p.l.c. Response times (milliseconds): January 2025 Account Requests – AIS 122ms Accounts 68ms Balances 38ms Payments – CoF 177ms Payments – PIS 72ms payments-VRP 723ms Standing Orders – AIS 283ms Standing Orders – PIS 80ms Transactions 46ms Bank of Ireland UK Response times (milliseconds): January 2025 Account Requests – AIS 170ms Account Requests – CoF 889ms Accounts 339ms Balances 367ms Payments – AIS 412ms Payments – CoF 282ms Payments – PIS 844ms payments-VRP 1,294ms Products 582ms Standing Orders – AIS 438ms Standing Orders – PIS 674ms Statements 654ms Transactions 405ms Bank of Scotland Response times (milliseconds): January 2025 Account Requests – AIS 282ms Account Requests – CoF 300ms Accounts 170ms Balances 190ms Beneficiaries 284ms Direct Debits 252ms Payments – AIS 232ms Payments – CoF 259ms Payments – PIS 416ms payments-VRP 503ms Products 432ms Standing Orders – AIS 226ms Standing Orders – PIS 604ms Statements 395ms Transactions 273ms Barclays Response times (milliseconds): January 2025 Account Requests – AIS 120ms Account Requests – CoF 282ms Accounts 215ms Balances 228ms Beneficiaries 247ms Direct Debits 414ms Payments – AIS 364ms Payments – CoF 311ms Payments – PIS 258ms payments-VRP 494ms Products 382ms Standing Orders – AIS 263ms Standing Orders – PIS 195ms Statements 80ms Transactions 273ms Cater Allen Response times (milliseconds): January 2025 Account Requests – AIS 66ms Accounts 78ms Balances 67ms Beneficiaries 89ms Direct Debits 89ms Payments – AIS 90ms Payments – PIS 70ms Products 90ms Standing Orders – AIS 89ms Standing Orders – PIS 32ms Statements 75ms Transactions 55ms Danske Bank Response times (milliseconds): January 2025 Account Requests – AIS 46ms Account Requests – CoF 364ms Accounts 430ms Balances 190ms Beneficiaries 195ms Direct Debits 329ms Payments – AIS 325ms Payments – CoF 92ms Payments – PIS 67ms payments-VRP 112ms Products 133ms Standing Orders – AIS 378ms Standing Orders – PIS 78ms Transactions 632ms First Direct Response times (milliseconds): January 2025 Account Requests – AIS 142ms Account Requests – CoF 283ms Accounts 311ms Balances 361ms Beneficiaries 440ms Direct Debits 406ms Payments – AIS 594ms Payments – CoF 386ms Payments – PIS 254ms payments-VRP 301ms Products 672ms Standing Orders – AIS 607ms Standing Orders – PIS 271ms Statements 512ms Transactions 531ms Halifax Response times (milliseconds): January 2025 Account Requests – AIS 284ms Account Requests – CoF 286ms Accounts 170ms Balances 193ms Beneficiaries 286ms Direct Debits 252ms Payments – AIS 230ms Payments – CoF 259ms Payments – PIS 423ms payments-VRP 500ms Products 431ms Standing Orders – AIS 226ms Standing Orders – PIS 578ms Statements 394ms Transactions 286ms HSBC Business Response times (milliseconds): January 2025 Account Requests – AIS 181ms Account Requests – CoF 755ms Accounts 465ms Balances 458ms Beneficiaries 303ms Direct Debits 752ms Payments – AIS 341ms Payments – CoF 794ms Payments – PIS 433ms payments-VRP 372ms Products 792ms Standing Orders – AIS 447ms Standing Orders – PIS 295ms Statements 2,372ms Transactions 597ms HSBC Kinetic Response times (milliseconds): January 2025 Account Requests – AIS 138ms Account Requests – CoF 247ms Accounts 388ms Balances 409ms Beneficiaries 280ms Direct Debits 685ms Payments – AIS 526ms Payments – CoF 453ms Payments – PIS 290ms payments-VRP 356ms Products 550ms Standing Orders – AIS 715ms Standing Orders – PIS 189ms Statements 1,178ms Transactions 526ms HSBC Personal Response times (milliseconds): January 2025 Account Requests – AIS 146ms Account Requests – CoF 251ms Accounts 320ms Balances 363ms Beneficiaries 485ms Direct Debits 408ms Payments – AIS 638ms Payments – CoF 384ms Payments – PIS 251ms payments-VRP 300ms Products 665ms Standing Orders – AIS 658ms Standing Orders – PIS 326ms Statements 231ms Transactions 533ms Lloyds Response times (milliseconds): January 2025 Account Requests – AIS 284ms Account Requests – CoF 279ms Accounts 170ms Balances 189ms Beneficiaries 285ms Direct Debits 251ms Payments – AIS 230ms Payments – CoF 257ms Payments – PIS 430ms payments-VRP 499ms Products 429ms Standing Orders – AIS 226ms Standing Orders – PIS 560ms Statements 532ms Transactions 272ms MBNA Response times (milliseconds): January 2025 Account Requests – AIS 288ms Account Requests – CoF 300ms Accounts 233ms Balances 289ms Beneficiaries 282ms Direct Debits 187ms Payments – AIS 187ms Products 184ms Standing Orders – AIS 187ms Statements 343ms Transactions 361ms Mettle Response times (milliseconds): January 2025 Account Requests – AIS 74ms Account Requests – CoF 206ms Accounts 73ms Balances 61ms Beneficiaries 38ms Direct Debits 184ms Payments – AIS 46ms Payments – PIS 102ms payments-VRP 87ms Products 83ms Standing Orders – AIS 7ms Statements 74ms Transactions 95ms Nationwide Building Society Response times (milliseconds): January 2025 Account Requests – AIS 136ms Account Requests – CoF 220ms Accounts 198ms Balances 169ms Beneficiaries 446ms Direct Debits 572ms Payments – AIS 254ms Payments – CoF 204ms Payments – PIS 275ms payments-VRP 252ms Products 186ms Standing Orders – AIS 190ms Standing Orders – PIS 313ms Statements 1,307ms Transactions 212ms NWB Response times (milliseconds): January 2025 Account Requests – AIS 161ms Account Requests – CoF 391ms Accounts 395ms Balances 321ms Beneficiaries 693ms Direct Debits 252ms Payments – AIS 261ms Payments – CoF 218ms Payments – PIS 368ms payments-VRP 455ms Products 258ms Standing Orders – AIS 317ms Standing Orders – PIS 306ms Statements 179ms Transactions 476ms RBS Response times (milliseconds): January 2025 Account Requests – AIS 173ms Account Requests – CoF 444ms Accounts 401ms Balances 347ms Beneficiaries 709ms Direct Debits 277ms Payments – AIS 300ms Payments – CoF 233ms Payments – PIS 421ms payments-VRP 530ms Products 268ms Standing Orders – AIS 310ms Standing Orders – PIS 345ms Statements 186ms Transactions 451ms Santander UK plc Response times (milliseconds): January 2025 Account Requests – AIS 473ms Account Requests – CoF 549ms Accounts 632ms Balances 643ms Beneficiaries 850ms Direct Debits 729ms Payments – CoF 609ms Payments – PIS 733ms payments-VRP 424ms Products 560ms Standing Orders – AIS 712ms Standing Orders – PIS 878ms Statements 636ms Transactions 756ms UBN Response times (milliseconds): January 2025 Account Requests – AIS 174ms Account Requests – CoF 622ms Accounts 421ms Balances 322ms Beneficiaries 673ms Direct Debits 298ms Payments – AIS 292ms Payments – CoF 256ms Payments – PIS 453ms payments-VRP 635ms Products 234ms Standing Orders – AIS 303ms Standing Orders – PIS 287ms Transactions 403ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand January 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Successful API calls Total calls 1,909,174,998 % of overall total calls 99.58% AIS Total calls 1,533,540,636 % of overall total calls 79.99% PIS Total calls 109,535,541 % of overall total calls 5.71% January 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand January 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Failed API Calls Total calls 8,086,193 % of overall total calls 0.42% Business Total calls 6,165,599 % of overall total calls 0.32% Technical Total calls 1,920,594 % of overall total calls 0.10% 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. January 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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 January 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Rejected API Calls Total calls 2,768,553 % of overall total calls 0.144% 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. January 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January key performance metrics 99.52% Average API availability – unweighted 331ms Average API response time 99.58% Successful API calls (%) 99.80% Average API availability – weighted 1909.2m Successful API calls (actual) 0.42% 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 January 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Average API availability 99.53% Core hours (06:00-00:00) 99.72% Non core hours (00:00-06:00) 98.95% 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. January 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays 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: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 99.26% Payments – PIS 98.72% payments-VRP 98.92% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.72% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 99.87% Payments – PIS 98.72% payments-VRP 98.92% Standing Orders – AIS 100.0% Standing Orders – PIS 98.72% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: January 2025 Account Requests – AIS 98.64% Account Requests – CoF 99.45% Accounts 99.45% Balances 99.45% Beneficiaries 100.0% Payments – AIS 99.45% Payments – CoF 99.45% Payments – PIS 98.64% payments-VRP 99.45% Products 99.45% Standing Orders – AIS 99.45% Standing Orders – PIS 98.64% Statements 99.45% Transactions 99.36% Bank of Scotland Availability by Endpoint Category: January 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 99.98% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Barclays Availability by Endpoint Category: January 2025 Account Requests – AIS 98.1% Account Requests – CoF 98.1% Accounts 98.1% Balances 98.1% Beneficiaries 98.1% Direct Debits 98.1% Payments – AIS 98.1% Payments – CoF 98.1% Payments – PIS 98.1% payments-VRP 98.1% Products 98.1% Standing Orders – AIS 98.1% Standing Orders – PIS 98.1% Statements 98.1% Transactions 98.1% Cater Allen Availability by Endpoint Category: January 2025 Account Requests – AIS 99.43% Account Requests – CoF 100.0% Accounts 99.43% Balances 99.43% Beneficiaries 99.43% Direct Debits 99.43% Payments – AIS 99.43% Payments – PIS 99.43% Products 99.43% Standing Orders – AIS 99.43% Standing Orders – PIS 99.43% Statements 99.43% Transactions 99.43% Danske Bank Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.83% Balances 99.83% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.95% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.83% First Direct Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Halifax Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.77% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 99.49% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.78% HSBC Business Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Personal Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Lloyds Availability by Endpoint Category: January 2025 Account Requests – AIS 99.93% Account Requests – CoF 100.0% Accounts 99.91% Balances 99.83% Beneficiaries 100.0% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 99.99% Payments – PIS 99.96% payments-VRP 99.08% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.81% MBNA Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.95% 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: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 99.94% 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: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 99.9% Accounts 99.89% Balances 99.91% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.91% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.9% NWB Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.96% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.96% Payments – PIS 99.96% payments-VRP 99.96% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.96% Transactions 99.96% RBS Availability by Endpoint Category: January 2025 Account Requests – AIS 99.95% Account Requests – CoF 99.95% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.95% Payments – PIS 99.95% payments-VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.95% Statements 99.95% Transactions 99.82% Santander UK plc Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: January 2025 Account Requests – AIS 99.94% Account Requests – CoF 99.94% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – CoF 99.94% Payments – PIS 99.94% payments-VRP 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Transactions 99.58%
January 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Average API availability 99.53% Core hours (06:00-00:00) 99.72% Non core hours (00:00-06:00) 98.95% 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.
January 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2025 Core hours by brand (06:00 – 0:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2025 Non core hours by brand (00:00 – 6:00) – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2025 API availability by category – unweighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays 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: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 99.26% Payments – PIS 98.72% payments-VRP 98.92% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.72% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 99.87% Payments – PIS 98.72% payments-VRP 98.92% Standing Orders – AIS 100.0% Standing Orders – PIS 98.72% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: January 2025 Account Requests – AIS 98.64% Account Requests – CoF 99.45% Accounts 99.45% Balances 99.45% Beneficiaries 100.0% Payments – AIS 99.45% Payments – CoF 99.45% Payments – PIS 98.64% payments-VRP 99.45% Products 99.45% Standing Orders – AIS 99.45% Standing Orders – PIS 98.64% Statements 99.45% Transactions 99.36% Bank of Scotland Availability by Endpoint Category: January 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 99.98% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Barclays Availability by Endpoint Category: January 2025 Account Requests – AIS 98.1% Account Requests – CoF 98.1% Accounts 98.1% Balances 98.1% Beneficiaries 98.1% Direct Debits 98.1% Payments – AIS 98.1% Payments – CoF 98.1% Payments – PIS 98.1% payments-VRP 98.1% Products 98.1% Standing Orders – AIS 98.1% Standing Orders – PIS 98.1% Statements 98.1% Transactions 98.1% Cater Allen Availability by Endpoint Category: January 2025 Account Requests – AIS 99.43% Account Requests – CoF 100.0% Accounts 99.43% Balances 99.43% Beneficiaries 99.43% Direct Debits 99.43% Payments – AIS 99.43% Payments – PIS 99.43% Products 99.43% Standing Orders – AIS 99.43% Standing Orders – PIS 99.43% Statements 99.43% Transactions 99.43% Danske Bank Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.83% Balances 99.83% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.95% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.83% First Direct Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Halifax Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.77% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 99.49% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.78% HSBC Business Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Personal Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Lloyds Availability by Endpoint Category: January 2025 Account Requests – AIS 99.93% Account Requests – CoF 100.0% Accounts 99.91% Balances 99.83% Beneficiaries 100.0% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 99.99% Payments – PIS 99.96% payments-VRP 99.08% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.81% MBNA Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.95% 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: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 99.94% 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: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 99.9% Accounts 99.89% Balances 99.91% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 99.91% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.9% NWB Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.96% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.96% Payments – PIS 99.96% payments-VRP 99.96% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.96% Statements 99.96% Transactions 99.96% RBS Availability by Endpoint Category: January 2025 Account Requests – AIS 99.95% Account Requests – CoF 99.95% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.95% Payments – PIS 99.95% payments-VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.95% Statements 99.95% Transactions 99.82% Santander UK plc Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: January 2025 Account Requests – AIS 99.94% Account Requests – CoF 99.94% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – CoF 99.94% Payments – PIS 99.94% payments-VRP 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Transactions 99.58%
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 January 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Average weighted API availability 99.80% Core hours (06:00-00:00) 99.85% Non core hours (00:00-06:00) 99.66% January 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays 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: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 99.26% Payments – PIS 98.73% payments-VRP 98.92% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.72% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 99.87% Payments – PIS 98.73% payments-VRP 99.07% Standing Orders – AIS 100.0% Standing Orders – PIS 98.73% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: January 2025 Account Requests – AIS 98.64% Account Requests – CoF 99.53% Accounts 99.45% Balances 99.45% Payments – AIS 99.45% Payments – CoF 99.45% Payments – PIS 99.27% payments-VRP 99.45% Products 99.45% Standing Orders – AIS 99.45% Standing Orders – PIS 98.64% Statements 99.45% Transactions 99.36% Bank of Scotland Availability by Endpoint Category: January 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Barclays Availability by Endpoint Category: January 2025 Account Requests – AIS 98.1% Account Requests – CoF 98.1% Accounts 98.1% Balances 98.1% Beneficiaries 98.1% Direct Debits 98.1% Payments – AIS 98.1% Payments – CoF 98.1% Payments – PIS 98.1% payments-VRP 98.1% Products 98.1% Standing Orders – AIS 98.1% Standing Orders – PIS 98.1% Statements 98.1% Transactions 98.1% Cater Allen Availability by Endpoint Category: January 2025 Account Requests – AIS 99.43% Accounts 99.43% Balances 99.43% Beneficiaries 99.43% Direct Debits 99.43% Payments – AIS 99.43% Payments – PIS 99.43% Products 99.43% Standing Orders – AIS 99.43% Standing Orders – PIS 99.43% Statements 99.43% Transactions 99.43% Danske Bank Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.83% Balances 99.83% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.96% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.83% First Direct Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Halifax Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.83% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.78% HSBC Business Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Personal Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Lloyds Availability by Endpoint Category: January 2025 Account Requests – AIS 99.93% Account Requests – CoF 100.0% Accounts 99.91% Balances 99.83% Beneficiaries 100.0% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 99.99% Payments – PIS 99.99% payments-VRP 99.98% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.81% MBNA Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 99.99% Mettle Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 99.96% 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: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 99.91% Accounts 99.89% Balances 99.91% 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 99.9% NWB Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.96% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.96% Payments – PIS 99.96% payments-VRP 99.96% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.97% Statements 99.96% Transactions 99.96% RBS Availability by Endpoint Category: January 2025 Account Requests – AIS 99.95% Account Requests – CoF 99.95% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.95% Payments – PIS 99.95% payments-VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.95% Statements 99.95% Transactions 99.82% Santander UK plc Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: January 2025 Account Requests – AIS 99.94% Account Requests – CoF 99.94% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – CoF 99.94% Payments – PIS 99.94% payments-VRP 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Transactions 99.58%
January 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January. Average weighted API availability 99.80% Core hours (06:00-00:00) 99.85% Non core hours (00:00-06:00) 99.66%
January 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January.
January 2025 Core hours by brand (06:00 – 0:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January.
January 2025 Non core hours by brand (00:00 – 6:00) – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January.
January 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January.
January 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in January.
January 2025 API availability by category – weighted Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays 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: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 99.26% Payments – PIS 98.73% payments-VRP 98.92% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 98.72% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 99.87% Payments – PIS 98.73% payments-VRP 99.07% Standing Orders – AIS 100.0% Standing Orders – PIS 98.73% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: January 2025 Account Requests – AIS 98.64% Account Requests – CoF 99.53% Accounts 99.45% Balances 99.45% Payments – AIS 99.45% Payments – CoF 99.45% Payments – PIS 99.27% payments-VRP 99.45% Products 99.45% Standing Orders – AIS 99.45% Standing Orders – PIS 98.64% Statements 99.45% Transactions 99.36% Bank of Scotland Availability by Endpoint Category: January 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% Barclays Availability by Endpoint Category: January 2025 Account Requests – AIS 98.1% Account Requests – CoF 98.1% Accounts 98.1% Balances 98.1% Beneficiaries 98.1% Direct Debits 98.1% Payments – AIS 98.1% Payments – CoF 98.1% Payments – PIS 98.1% payments-VRP 98.1% Products 98.1% Standing Orders – AIS 98.1% Standing Orders – PIS 98.1% Statements 98.1% Transactions 98.1% Cater Allen Availability by Endpoint Category: January 2025 Account Requests – AIS 99.43% Accounts 99.43% Balances 99.43% Beneficiaries 99.43% Direct Debits 99.43% Payments – AIS 99.43% Payments – PIS 99.43% Products 99.43% Standing Orders – AIS 99.43% Standing Orders – PIS 99.43% Statements 99.43% Transactions 99.43% Danske Bank Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.83% Balances 99.83% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.96% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.83% First Direct Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Halifax Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 100.0% Accounts 99.83% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.78% HSBC Business Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Kinetic Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% HSBC Personal Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Lloyds Availability by Endpoint Category: January 2025 Account Requests – AIS 99.93% Account Requests – CoF 100.0% Accounts 99.91% Balances 99.83% Beneficiaries 100.0% Direct Debits 99.99% Payments – AIS 100.0% Payments – CoF 99.99% Payments – PIS 99.99% payments-VRP 99.98% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.81% MBNA Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.95% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 99.99% Mettle Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 99.96% 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: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 99.91% Accounts 99.89% Balances 99.91% 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 99.9% NWB Availability by Endpoint Category: January 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.96% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.97% Payments – CoF 99.96% Payments – PIS 99.96% payments-VRP 99.96% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.97% Statements 99.96% Transactions 99.96% RBS Availability by Endpoint Category: January 2025 Account Requests – AIS 99.95% Account Requests – CoF 99.95% Accounts 99.95% Balances 99.95% Beneficiaries 99.95% Direct Debits 99.95% Payments – AIS 99.95% Payments – CoF 99.95% Payments – PIS 99.95% payments-VRP 99.95% Products 99.95% Standing Orders – AIS 99.95% Standing Orders – PIS 99.95% Statements 99.95% Transactions 99.82% Santander UK plc Availability by Endpoint Category: January 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% UBN Availability by Endpoint Category: January 2025 Account Requests – AIS 99.94% Account Requests – CoF 99.94% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – CoF 99.94% Payments – PIS 99.94% payments-VRP 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Transactions 99.58%
Average API response times Average API response times by brand Response times by brand January 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. Average API Response Time 331 milliseconds January 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays 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): January 2025 Account Requests – AIS 132ms Accounts 85ms Balances 52ms Direct Debits 1,339ms Payments – CoF 148ms Payments – PIS 80ms payments-VRP 73ms Products 348ms Standing Orders – AIS 362ms Standing Orders – PIS 85ms Transactions 60ms AIB Group (UK) p.l.c. Response times (milliseconds): January 2025 Account Requests – AIS 122ms Accounts 68ms Balances 38ms Payments – CoF 177ms Payments – PIS 72ms payments-VRP 723ms Standing Orders – AIS 283ms Standing Orders – PIS 80ms Transactions 46ms Bank of Ireland UK Response times (milliseconds): January 2025 Account Requests – AIS 170ms Account Requests – CoF 889ms Accounts 339ms Balances 367ms Payments – AIS 412ms Payments – CoF 282ms Payments – PIS 844ms payments-VRP 1,294ms Products 582ms Standing Orders – AIS 438ms Standing Orders – PIS 674ms Statements 654ms Transactions 405ms Bank of Scotland Response times (milliseconds): January 2025 Account Requests – AIS 282ms Account Requests – CoF 300ms Accounts 170ms Balances 190ms Beneficiaries 284ms Direct Debits 252ms Payments – AIS 232ms Payments – CoF 259ms Payments – PIS 416ms payments-VRP 503ms Products 432ms Standing Orders – AIS 226ms Standing Orders – PIS 604ms Statements 395ms Transactions 273ms Barclays Response times (milliseconds): January 2025 Account Requests – AIS 120ms Account Requests – CoF 282ms Accounts 215ms Balances 228ms Beneficiaries 247ms Direct Debits 414ms Payments – AIS 364ms Payments – CoF 311ms Payments – PIS 258ms payments-VRP 494ms Products 382ms Standing Orders – AIS 263ms Standing Orders – PIS 195ms Statements 80ms Transactions 273ms Cater Allen Response times (milliseconds): January 2025 Account Requests – AIS 66ms Accounts 78ms Balances 67ms Beneficiaries 89ms Direct Debits 89ms Payments – AIS 90ms Payments – PIS 70ms Products 90ms Standing Orders – AIS 89ms Standing Orders – PIS 32ms Statements 75ms Transactions 55ms Danske Bank Response times (milliseconds): January 2025 Account Requests – AIS 46ms Account Requests – CoF 364ms Accounts 430ms Balances 190ms Beneficiaries 195ms Direct Debits 329ms Payments – AIS 325ms Payments – CoF 92ms Payments – PIS 67ms payments-VRP 112ms Products 133ms Standing Orders – AIS 378ms Standing Orders – PIS 78ms Transactions 632ms First Direct Response times (milliseconds): January 2025 Account Requests – AIS 142ms Account Requests – CoF 283ms Accounts 311ms Balances 361ms Beneficiaries 440ms Direct Debits 406ms Payments – AIS 594ms Payments – CoF 386ms Payments – PIS 254ms payments-VRP 301ms Products 672ms Standing Orders – AIS 607ms Standing Orders – PIS 271ms Statements 512ms Transactions 531ms Halifax Response times (milliseconds): January 2025 Account Requests – AIS 284ms Account Requests – CoF 286ms Accounts 170ms Balances 193ms Beneficiaries 286ms Direct Debits 252ms Payments – AIS 230ms Payments – CoF 259ms Payments – PIS 423ms payments-VRP 500ms Products 431ms Standing Orders – AIS 226ms Standing Orders – PIS 578ms Statements 394ms Transactions 286ms HSBC Business Response times (milliseconds): January 2025 Account Requests – AIS 181ms Account Requests – CoF 755ms Accounts 465ms Balances 458ms Beneficiaries 303ms Direct Debits 752ms Payments – AIS 341ms Payments – CoF 794ms Payments – PIS 433ms payments-VRP 372ms Products 792ms Standing Orders – AIS 447ms Standing Orders – PIS 295ms Statements 2,372ms Transactions 597ms HSBC Kinetic Response times (milliseconds): January 2025 Account Requests – AIS 138ms Account Requests – CoF 247ms Accounts 388ms Balances 409ms Beneficiaries 280ms Direct Debits 685ms Payments – AIS 526ms Payments – CoF 453ms Payments – PIS 290ms payments-VRP 356ms Products 550ms Standing Orders – AIS 715ms Standing Orders – PIS 189ms Statements 1,178ms Transactions 526ms HSBC Personal Response times (milliseconds): January 2025 Account Requests – AIS 146ms Account Requests – CoF 251ms Accounts 320ms Balances 363ms Beneficiaries 485ms Direct Debits 408ms Payments – AIS 638ms Payments – CoF 384ms Payments – PIS 251ms payments-VRP 300ms Products 665ms Standing Orders – AIS 658ms Standing Orders – PIS 326ms Statements 231ms Transactions 533ms Lloyds Response times (milliseconds): January 2025 Account Requests – AIS 284ms Account Requests – CoF 279ms Accounts 170ms Balances 189ms Beneficiaries 285ms Direct Debits 251ms Payments – AIS 230ms Payments – CoF 257ms Payments – PIS 430ms payments-VRP 499ms Products 429ms Standing Orders – AIS 226ms Standing Orders – PIS 560ms Statements 532ms Transactions 272ms MBNA Response times (milliseconds): January 2025 Account Requests – AIS 288ms Account Requests – CoF 300ms Accounts 233ms Balances 289ms Beneficiaries 282ms Direct Debits 187ms Payments – AIS 187ms Products 184ms Standing Orders – AIS 187ms Statements 343ms Transactions 361ms Mettle Response times (milliseconds): January 2025 Account Requests – AIS 74ms Account Requests – CoF 206ms Accounts 73ms Balances 61ms Beneficiaries 38ms Direct Debits 184ms Payments – AIS 46ms Payments – PIS 102ms payments-VRP 87ms Products 83ms Standing Orders – AIS 7ms Statements 74ms Transactions 95ms Nationwide Building Society Response times (milliseconds): January 2025 Account Requests – AIS 136ms Account Requests – CoF 220ms Accounts 198ms Balances 169ms Beneficiaries 446ms Direct Debits 572ms Payments – AIS 254ms Payments – CoF 204ms Payments – PIS 275ms payments-VRP 252ms Products 186ms Standing Orders – AIS 190ms Standing Orders – PIS 313ms Statements 1,307ms Transactions 212ms NWB Response times (milliseconds): January 2025 Account Requests – AIS 161ms Account Requests – CoF 391ms Accounts 395ms Balances 321ms Beneficiaries 693ms Direct Debits 252ms Payments – AIS 261ms Payments – CoF 218ms Payments – PIS 368ms payments-VRP 455ms Products 258ms Standing Orders – AIS 317ms Standing Orders – PIS 306ms Statements 179ms Transactions 476ms RBS Response times (milliseconds): January 2025 Account Requests – AIS 173ms Account Requests – CoF 444ms Accounts 401ms Balances 347ms Beneficiaries 709ms Direct Debits 277ms Payments – AIS 300ms Payments – CoF 233ms Payments – PIS 421ms payments-VRP 530ms Products 268ms Standing Orders – AIS 310ms Standing Orders – PIS 345ms Statements 186ms Transactions 451ms Santander UK plc Response times (milliseconds): January 2025 Account Requests – AIS 473ms Account Requests – CoF 549ms Accounts 632ms Balances 643ms Beneficiaries 850ms Direct Debits 729ms Payments – CoF 609ms Payments – PIS 733ms payments-VRP 424ms Products 560ms Standing Orders – AIS 712ms Standing Orders – PIS 878ms Statements 636ms Transactions 756ms UBN Response times (milliseconds): January 2025 Account Requests – AIS 174ms Account Requests – CoF 622ms Accounts 421ms Balances 322ms Beneficiaries 673ms Direct Debits 298ms Payments – AIS 292ms Payments – CoF 256ms Payments – PIS 453ms payments-VRP 635ms Products 234ms Standing Orders – AIS 303ms Standing Orders – PIS 287ms Transactions 403ms
January 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January. Average API Response Time 331 milliseconds
January 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in January.
January 2025 Response times by brand Select an account provider AIB (NI) AIB Group (UK) p.l.c. Bank of Ireland UK Bank of Scotland Barclays 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): January 2025 Account Requests – AIS 132ms Accounts 85ms Balances 52ms Direct Debits 1,339ms Payments – CoF 148ms Payments – PIS 80ms payments-VRP 73ms Products 348ms Standing Orders – AIS 362ms Standing Orders – PIS 85ms Transactions 60ms AIB Group (UK) p.l.c. Response times (milliseconds): January 2025 Account Requests – AIS 122ms Accounts 68ms Balances 38ms Payments – CoF 177ms Payments – PIS 72ms payments-VRP 723ms Standing Orders – AIS 283ms Standing Orders – PIS 80ms Transactions 46ms Bank of Ireland UK Response times (milliseconds): January 2025 Account Requests – AIS 170ms Account Requests – CoF 889ms Accounts 339ms Balances 367ms Payments – AIS 412ms Payments – CoF 282ms Payments – PIS 844ms payments-VRP 1,294ms Products 582ms Standing Orders – AIS 438ms Standing Orders – PIS 674ms Statements 654ms Transactions 405ms Bank of Scotland Response times (milliseconds): January 2025 Account Requests – AIS 282ms Account Requests – CoF 300ms Accounts 170ms Balances 190ms Beneficiaries 284ms Direct Debits 252ms Payments – AIS 232ms Payments – CoF 259ms Payments – PIS 416ms payments-VRP 503ms Products 432ms Standing Orders – AIS 226ms Standing Orders – PIS 604ms Statements 395ms Transactions 273ms Barclays Response times (milliseconds): January 2025 Account Requests – AIS 120ms Account Requests – CoF 282ms Accounts 215ms Balances 228ms Beneficiaries 247ms Direct Debits 414ms Payments – AIS 364ms Payments – CoF 311ms Payments – PIS 258ms payments-VRP 494ms Products 382ms Standing Orders – AIS 263ms Standing Orders – PIS 195ms Statements 80ms Transactions 273ms Cater Allen Response times (milliseconds): January 2025 Account Requests – AIS 66ms Accounts 78ms Balances 67ms Beneficiaries 89ms Direct Debits 89ms Payments – AIS 90ms Payments – PIS 70ms Products 90ms Standing Orders – AIS 89ms Standing Orders – PIS 32ms Statements 75ms Transactions 55ms Danske Bank Response times (milliseconds): January 2025 Account Requests – AIS 46ms Account Requests – CoF 364ms Accounts 430ms Balances 190ms Beneficiaries 195ms Direct Debits 329ms Payments – AIS 325ms Payments – CoF 92ms Payments – PIS 67ms payments-VRP 112ms Products 133ms Standing Orders – AIS 378ms Standing Orders – PIS 78ms Transactions 632ms First Direct Response times (milliseconds): January 2025 Account Requests – AIS 142ms Account Requests – CoF 283ms Accounts 311ms Balances 361ms Beneficiaries 440ms Direct Debits 406ms Payments – AIS 594ms Payments – CoF 386ms Payments – PIS 254ms payments-VRP 301ms Products 672ms Standing Orders – AIS 607ms Standing Orders – PIS 271ms Statements 512ms Transactions 531ms Halifax Response times (milliseconds): January 2025 Account Requests – AIS 284ms Account Requests – CoF 286ms Accounts 170ms Balances 193ms Beneficiaries 286ms Direct Debits 252ms Payments – AIS 230ms Payments – CoF 259ms Payments – PIS 423ms payments-VRP 500ms Products 431ms Standing Orders – AIS 226ms Standing Orders – PIS 578ms Statements 394ms Transactions 286ms HSBC Business Response times (milliseconds): January 2025 Account Requests – AIS 181ms Account Requests – CoF 755ms Accounts 465ms Balances 458ms Beneficiaries 303ms Direct Debits 752ms Payments – AIS 341ms Payments – CoF 794ms Payments – PIS 433ms payments-VRP 372ms Products 792ms Standing Orders – AIS 447ms Standing Orders – PIS 295ms Statements 2,372ms Transactions 597ms HSBC Kinetic Response times (milliseconds): January 2025 Account Requests – AIS 138ms Account Requests – CoF 247ms Accounts 388ms Balances 409ms Beneficiaries 280ms Direct Debits 685ms Payments – AIS 526ms Payments – CoF 453ms Payments – PIS 290ms payments-VRP 356ms Products 550ms Standing Orders – AIS 715ms Standing Orders – PIS 189ms Statements 1,178ms Transactions 526ms HSBC Personal Response times (milliseconds): January 2025 Account Requests – AIS 146ms Account Requests – CoF 251ms Accounts 320ms Balances 363ms Beneficiaries 485ms Direct Debits 408ms Payments – AIS 638ms Payments – CoF 384ms Payments – PIS 251ms payments-VRP 300ms Products 665ms Standing Orders – AIS 658ms Standing Orders – PIS 326ms Statements 231ms Transactions 533ms Lloyds Response times (milliseconds): January 2025 Account Requests – AIS 284ms Account Requests – CoF 279ms Accounts 170ms Balances 189ms Beneficiaries 285ms Direct Debits 251ms Payments – AIS 230ms Payments – CoF 257ms Payments – PIS 430ms payments-VRP 499ms Products 429ms Standing Orders – AIS 226ms Standing Orders – PIS 560ms Statements 532ms Transactions 272ms MBNA Response times (milliseconds): January 2025 Account Requests – AIS 288ms Account Requests – CoF 300ms Accounts 233ms Balances 289ms Beneficiaries 282ms Direct Debits 187ms Payments – AIS 187ms Products 184ms Standing Orders – AIS 187ms Statements 343ms Transactions 361ms Mettle Response times (milliseconds): January 2025 Account Requests – AIS 74ms Account Requests – CoF 206ms Accounts 73ms Balances 61ms Beneficiaries 38ms Direct Debits 184ms Payments – AIS 46ms Payments – PIS 102ms payments-VRP 87ms Products 83ms Standing Orders – AIS 7ms Statements 74ms Transactions 95ms Nationwide Building Society Response times (milliseconds): January 2025 Account Requests – AIS 136ms Account Requests – CoF 220ms Accounts 198ms Balances 169ms Beneficiaries 446ms Direct Debits 572ms Payments – AIS 254ms Payments – CoF 204ms Payments – PIS 275ms payments-VRP 252ms Products 186ms Standing Orders – AIS 190ms Standing Orders – PIS 313ms Statements 1,307ms Transactions 212ms NWB Response times (milliseconds): January 2025 Account Requests – AIS 161ms Account Requests – CoF 391ms Accounts 395ms Balances 321ms Beneficiaries 693ms Direct Debits 252ms Payments – AIS 261ms Payments – CoF 218ms Payments – PIS 368ms payments-VRP 455ms Products 258ms Standing Orders – AIS 317ms Standing Orders – PIS 306ms Statements 179ms Transactions 476ms RBS Response times (milliseconds): January 2025 Account Requests – AIS 173ms Account Requests – CoF 444ms Accounts 401ms Balances 347ms Beneficiaries 709ms Direct Debits 277ms Payments – AIS 300ms Payments – CoF 233ms Payments – PIS 421ms payments-VRP 530ms Products 268ms Standing Orders – AIS 310ms Standing Orders – PIS 345ms Statements 186ms Transactions 451ms Santander UK plc Response times (milliseconds): January 2025 Account Requests – AIS 473ms Account Requests – CoF 549ms Accounts 632ms Balances 643ms Beneficiaries 850ms Direct Debits 729ms Payments – CoF 609ms Payments – PIS 733ms payments-VRP 424ms Products 560ms Standing Orders – AIS 712ms Standing Orders – PIS 878ms Statements 636ms Transactions 756ms UBN Response times (milliseconds): January 2025 Account Requests – AIS 174ms Account Requests – CoF 622ms Accounts 421ms Balances 322ms Beneficiaries 673ms Direct Debits 298ms Payments – AIS 292ms Payments – CoF 256ms Payments – PIS 453ms payments-VRP 635ms Products 234ms Standing Orders – AIS 303ms Standing Orders – PIS 287ms Transactions 403ms
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand January 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Successful API calls Total calls 1,909,174,998 % of overall total calls 99.58% AIS Total calls 1,533,540,636 % of overall total calls 79.99% PIS Total calls 109,535,541 % of overall total calls 5.71% January 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. January 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January.
January 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Successful API calls Total calls 1,909,174,998 % of overall total calls 99.58% AIS Total calls 1,533,540,636 % of overall total calls 79.99% PIS Total calls 109,535,541 % of overall total calls 5.71%
January 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January.
January 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January.
January 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January.
January 2025 Successful payment initiation requests by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in January.
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand January 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Failed API Calls Total calls 8,086,193 % of overall total calls 0.42% Business Total calls 6,165,599 % of overall total calls 0.32% Technical Total calls 1,920,594 % of overall total calls 0.10% 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. January 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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. January 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Failed API Calls Total calls 8,086,193 % of overall total calls 0.42% Business Total calls 6,165,599 % of overall total calls 0.32% Technical Total calls 1,920,594 % of overall total calls 0.10% 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.
January 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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 January 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Rejected API Calls Total calls 2,768,553 % of overall total calls 0.144% 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. January 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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.
January 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. Rejected API Calls Total calls 2,768,553 % of overall total calls 0.144% 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.
January 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in January. 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.