API Performance StatsSelect a month:February 2025January 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 February key performance metrics 99.69% Average API availability – unweighted 337ms Average API response time 99.54% Successful API calls (%) 99.94% Average API availability – weighted 1780.8m Successful API calls (actual) 0.46% Failed API calls Unweighted Weighted Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted February 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Average API availability 99.69% Core hours (06:00-00:00) 99.69% Non core hours (00:00-06:00) 99.69% 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. February 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 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 February. 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. February 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 February. 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. February 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 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: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 97.95% payments-VRP 99.74% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.95% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 100.0% Payments – PIS 97.95% payments-VRP 98.96% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.95% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 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 99.63% Bank of Scotland Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% Barclays Availability by Endpoint Category: February 2025 Account Requests – AIS 99.68% Account Requests – CoF 99.68% Accounts 99.68% Balances 99.68% Beneficiaries 99.68% Direct Debits 99.68% Payments – AIS 99.68% Payments – CoF 99.68% Payments – PIS 99.68% payments-VRP 99.68% Products 99.68% Standing Orders – AIS 99.68% Standing Orders – PIS 99.68% Statements 99.68% Transactions 99.68% Cater Allen Availability by Endpoint Category: February 2025 Account Requests – AIS 99.94% Account Requests – CoF 100.0% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – PIS 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Statements 99.94% Transactions 99.94% Danske Bank Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.78% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.78% First Direct Availability by Endpoint Category: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.91% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% HSBC Business Availability by Endpoint Category: February 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: February 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: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.98% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% MBNA Availability by Endpoint Category: February 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.77% 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 99.93% Mettle Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: February 2025 Account Requests – AIS 99.59% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 99.94% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.59% payments-VRP 99.93% Products 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.91% NWB Availability by Endpoint Category: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 99.91% Accounts 99.97% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.97% Payments – AIS 100.0% Payments – CoF 99.91% Payments – PIS 99.91% payments-VRP 99.91% Products 99.97% Standing Orders – AIS 99.97% Standing Orders – PIS 99.91% Statements 99.97% Transactions 99.97% RBS Availability by Endpoint Category: February 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.89% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.96% Payments – CoF 99.89% Payments – PIS 99.89% payments-VRP 99.89% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.89% Statements 99.96% Transactions 99.96% Santander UK plc Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 99.98% Accounts 99.98% Balances 99.98% Beneficiaries 99.98% Direct Debits 99.98% Payments – AIS 100.0% Payments – CoF 99.98% Payments – PIS 99.98% payments-VRP 99.98% Products 99.98% Standing Orders – AIS 99.98% Standing Orders – PIS 99.98% Statements 99.98% Transactions 99.98% UBN Availability by Endpoint Category: February 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 100.0% Transactions 99.95% 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 February 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Average weighted API availability 99.94% Core hours (06:00-00:00) 99.96% Non core hours (00:00-06:00) 99.92% February 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. February 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 February. February 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 February. February 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. February 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. February 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: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 98.03% payments-VRP 99.74% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.95% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 100.0% Payments – PIS 98.01% payments-VRP 98.96% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.96% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 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 99.63% Bank of Scotland Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% Barclays Availability by Endpoint Category: February 2025 Account Requests – AIS 99.68% Account Requests – CoF 99.68% Accounts 99.68% Balances 99.68% Beneficiaries 99.68% Direct Debits 99.68% Payments – AIS 99.68% Payments – CoF 99.68% Payments – PIS 99.68% payments-VRP 99.68% Products 99.68% Standing Orders – AIS 99.68% Standing Orders – PIS 99.68% Statements 99.68% Transactions 99.68% Cater Allen Availability by Endpoint Category: February 2025 Account Requests – AIS 99.94% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – PIS 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Statements 99.94% Transactions 99.94% Danske Bank Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.78% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.78% First Direct Availability by Endpoint Category: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.91% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% HSBC Business Availability by Endpoint Category: February 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: February 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: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.98% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% MBNA Availability by Endpoint Category: February 2025 Account Requests – AIS 99.99% Accounts 100.0% Balances 99.77% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 99.93% Mettle Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: February 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 99.94% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.87% payments-VRP 100.0% Products 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.91% NWB Availability by Endpoint Category: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 99.91% Accounts 99.97% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.97% Payments – AIS 100.0% Payments – CoF 99.91% Payments – PIS 99.91% payments-VRP 99.91% Products 99.97% Standing Orders – AIS 99.97% Standing Orders – PIS 99.92% Statements 99.97% Transactions 99.97% RBS Availability by Endpoint Category: February 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.89% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.96% Payments – CoF 99.89% Payments – PIS 99.89% payments-VRP 99.89% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.9% Statements 99.96% Transactions 99.96% Santander UK plc Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 99.98% Accounts 99.98% Balances 99.98% Beneficiaries 99.98% Direct Debits 99.98% Payments – CoF 99.98% Payments – PIS 99.98% payments-VRP 99.98% Products 99.98% Standing Orders – AIS 99.98% Standing Orders – PIS 99.99% Statements 99.98% Transactions 99.98% UBN Availability by Endpoint Category: February 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 100.0% Transactions 99.95% Average API response times Average API response times by brand Response times by brand February 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. Average API Response Time 337 milliseconds February 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. February 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): February 2025 Account Requests – AIS 137ms Accounts 88ms Balances 56ms Direct Debits 2,058ms Payments – CoF 167ms Payments – PIS 80ms payments-VRP 87ms Products 412ms Standing Orders – AIS 1,485ms Standing Orders – PIS 87ms Transactions 64ms AIB Group (UK) p.l.c. Response times (milliseconds): February 2025 Account Requests – AIS 119ms Accounts 69ms Balances 38ms Payments – CoF 265ms Payments – PIS 70ms Products 195ms Standing Orders – PIS 78ms Transactions 47ms Bank of Ireland UK Response times (milliseconds): February 2025 Account Requests – AIS 170ms Account Requests – CoF 404ms Accounts 336ms Balances 364ms Payments – AIS 542ms Payments – CoF 450ms Payments – PIS 848ms payments-VRP 1,042ms Products 425ms Standing Orders – AIS 552ms Standing Orders – PIS 591ms Statements 745ms Transactions 399ms Bank of Scotland Response times (milliseconds): February 2025 Account Requests – AIS 279ms Account Requests – CoF 282ms Accounts 176ms Balances 196ms Beneficiaries 290ms Direct Debits 258ms Payments – AIS 239ms Payments – CoF 260ms Payments – PIS 545ms payments-VRP 494ms Products 441ms Standing Orders – AIS 233ms Standing Orders – PIS 524ms Statements 405ms Transactions 291ms Barclays Response times (milliseconds): February 2025 Account Requests – AIS 112ms Account Requests – CoF 183ms Accounts 154ms Balances 220ms Beneficiaries 140ms Direct Debits 221ms Payments – AIS 387ms Payments – CoF 295ms Payments – PIS 239ms payments-VRP 493ms Products 377ms Standing Orders – AIS 247ms Standing Orders – PIS 184ms Statements 21ms Transactions 272ms Cater Allen Response times (milliseconds): February 2025 Account Requests – AIS 81ms Accounts 62ms Balances 65ms Beneficiaries 55ms Direct Debits 55ms Payments – AIS 56ms Payments – PIS 72ms Products 55ms Standing Orders – AIS 55ms Standing Orders – PIS 41ms Statements 60ms Transactions 60ms Danske Bank Response times (milliseconds): February 2025 Account Requests – AIS 45ms Account Requests – CoF 2,304ms Accounts 436ms Balances 185ms Beneficiaries 172ms Direct Debits 320ms Payments – AIS 311ms Payments – CoF 86ms Payments – PIS 68ms payments-VRP 127ms Products 133ms Standing Orders – AIS 349ms Standing Orders – PIS 77ms Transactions 643ms First Direct Response times (milliseconds): February 2025 Account Requests – AIS 145ms Account Requests – CoF 303ms Accounts 319ms Balances 368ms Beneficiaries 427ms Direct Debits 385ms Payments – AIS 609ms Payments – CoF 392ms Payments – PIS 261ms payments-VRP 300ms Products 685ms Standing Orders – AIS 597ms Standing Orders – PIS 283ms Statements 274ms Transactions 539ms Halifax Response times (milliseconds): February 2025 Account Requests – AIS 281ms Account Requests – CoF 275ms Accounts 177ms Balances 198ms Beneficiaries 288ms Direct Debits 258ms Payments – AIS 238ms Payments – CoF 259ms Payments – PIS 575ms payments-VRP 492ms Products 440ms Standing Orders – AIS 233ms Standing Orders – PIS 567ms Statements 401ms Transactions 301ms HSBC Business Response times (milliseconds): February 2025 Account Requests – AIS 177ms Account Requests – CoF 452ms Accounts 463ms Balances 444ms Beneficiaries 368ms Direct Debits 837ms Payments – AIS 298ms Payments – CoF 595ms Payments – PIS 496ms payments-VRP 387ms Products 762ms Standing Orders – AIS 414ms Standing Orders – PIS 294ms Statements 2,301ms Transactions 588ms HSBC Kinetic Response times (milliseconds): February 2025 Account Requests – AIS 137ms Account Requests – CoF 255ms Accounts 392ms Balances 414ms Beneficiaries 372ms Direct Debits 843ms Payments – AIS 791ms Payments – CoF 482ms Payments – PIS 315ms payments-VRP 362ms Products 870ms Standing Orders – AIS 881ms Standing Orders – PIS 302ms Statements 1,968ms Transactions 538ms HSBC Personal Response times (milliseconds): February 2025 Account Requests – AIS 147ms Account Requests – CoF 270ms Accounts 317ms Balances 371ms Beneficiaries 483ms Direct Debits 416ms Payments – AIS 633ms Payments – CoF 392ms Payments – PIS 260ms payments-VRP 300ms Products 680ms Standing Orders – AIS 665ms Standing Orders – PIS 253ms Statements 150ms Transactions 542ms Lloyds Response times (milliseconds): February 2025 Account Requests – AIS 280ms Account Requests – CoF 274ms Accounts 177ms Balances 195ms Beneficiaries 291ms Direct Debits 257ms Payments – AIS 237ms Payments – CoF 257ms Payments – PIS 593ms payments-VRP 491ms Products 439ms Standing Orders – AIS 233ms Standing Orders – PIS 523ms Statements 530ms Transactions 283ms MBNA Response times (milliseconds): February 2025 Account Requests – AIS 285ms Accounts 245ms Balances 302ms Beneficiaries 285ms Direct Debits 192ms Payments – AIS 196ms Products 191ms Standing Orders – AIS 194ms Statements 354ms Transactions 382ms Mettle Response times (milliseconds): February 2025 Account Requests – AIS 69ms Accounts 70ms Balances 60ms Beneficiaries 37ms Direct Debits 107ms Payments – AIS 47ms Payments – PIS 97ms payments-VRP 70ms Products 83ms Standing Orders – AIS 6ms Standing Orders – PIS 67ms Statements 75ms Transactions 83ms Nationwide Building Society Response times (milliseconds): February 2025 Account Requests – AIS 137ms Account Requests – CoF 230ms Accounts 195ms Balances 231ms Beneficiaries 453ms Direct Debits 565ms Payments – AIS 268ms Payments – CoF 225ms Payments – PIS 315ms payments-VRP 258ms Products 189ms Standing Orders – AIS 187ms Standing Orders – PIS 343ms Statements 808ms Transactions 216ms NWB Response times (milliseconds): February 2025 Account Requests – AIS 153ms Account Requests – CoF 376ms Accounts 386ms Balances 317ms Beneficiaries 680ms Direct Debits 246ms Payments – AIS 265ms Payments – CoF 218ms Payments – PIS 339ms payments-VRP 420ms Products 257ms Standing Orders – AIS 293ms Standing Orders – PIS 274ms Statements 181ms Transactions 471ms RBS Response times (milliseconds): February 2025 Account Requests – AIS 167ms Account Requests – CoF 442ms Accounts 391ms Balances 335ms Beneficiaries 638ms Direct Debits 267ms Payments – AIS 301ms Payments – CoF 234ms Payments – PIS 379ms payments-VRP 487ms Products 260ms Standing Orders – AIS 308ms Standing Orders – PIS 278ms Statements 195ms Transactions 441ms Santander UK plc Response times (milliseconds): February 2025 Account Requests – AIS 466ms Account Requests – CoF 528ms Accounts 618ms Balances 630ms Beneficiaries 846ms Direct Debits 727ms Payments – CoF 597ms Payments – PIS 779ms payments-VRP 417ms Products 550ms Standing Orders – AIS 713ms Standing Orders – PIS 892ms Statements 620ms Transactions 725ms UBN Response times (milliseconds): February 2025 Account Requests – AIS 169ms Account Requests – CoF 492ms Accounts 411ms Balances 300ms Beneficiaries 668ms Direct Debits 287ms Payments – AIS 289ms Payments – CoF 255ms Payments – PIS 402ms payments-VRP 574ms Products 229ms Standing Orders – AIS 288ms Standing Orders – PIS 259ms Statements 296ms Transactions 385ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand February 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Successful API calls Total calls 1,780,842,248 % of overall total calls 99.54% AIS Total calls 1,452,734,336 % of overall total calls 81.20% PIS Total calls 95,703,994 % of overall total calls 5.35% February 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. February 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. February 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. February 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 February. Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand February 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Failed API Calls Total calls 8,171,786 % of overall total calls 0.46% Business Total calls 6,005,449 % of overall total calls 0.34% Technical Total calls 2,166,337 % of overall total calls 0.12% 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. February 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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 February 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Rejected API Calls Total calls 2,261,641 % of overall total calls 0.126% 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. February 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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:February 2025January 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
February key performance metrics 99.69% Average API availability – unweighted 337ms Average API response time 99.54% Successful API calls (%) 99.94% Average API availability – weighted 1780.8m Successful API calls (actual) 0.46% Failed API calls Unweighted Weighted Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted February 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Average API availability 99.69% Core hours (06:00-00:00) 99.69% Non core hours (00:00-06:00) 99.69% 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. February 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 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 February. 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. February 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 February. 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. February 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 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: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 97.95% payments-VRP 99.74% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.95% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 100.0% Payments – PIS 97.95% payments-VRP 98.96% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.95% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 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 99.63% Bank of Scotland Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% Barclays Availability by Endpoint Category: February 2025 Account Requests – AIS 99.68% Account Requests – CoF 99.68% Accounts 99.68% Balances 99.68% Beneficiaries 99.68% Direct Debits 99.68% Payments – AIS 99.68% Payments – CoF 99.68% Payments – PIS 99.68% payments-VRP 99.68% Products 99.68% Standing Orders – AIS 99.68% Standing Orders – PIS 99.68% Statements 99.68% Transactions 99.68% Cater Allen Availability by Endpoint Category: February 2025 Account Requests – AIS 99.94% Account Requests – CoF 100.0% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – PIS 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Statements 99.94% Transactions 99.94% Danske Bank Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.78% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.78% First Direct Availability by Endpoint Category: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.91% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% HSBC Business Availability by Endpoint Category: February 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: February 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: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.98% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% MBNA Availability by Endpoint Category: February 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.77% 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 99.93% Mettle Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: February 2025 Account Requests – AIS 99.59% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 99.94% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.59% payments-VRP 99.93% Products 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.91% NWB Availability by Endpoint Category: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 99.91% Accounts 99.97% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.97% Payments – AIS 100.0% Payments – CoF 99.91% Payments – PIS 99.91% payments-VRP 99.91% Products 99.97% Standing Orders – AIS 99.97% Standing Orders – PIS 99.91% Statements 99.97% Transactions 99.97% RBS Availability by Endpoint Category: February 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.89% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.96% Payments – CoF 99.89% Payments – PIS 99.89% payments-VRP 99.89% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.89% Statements 99.96% Transactions 99.96% Santander UK plc Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 99.98% Accounts 99.98% Balances 99.98% Beneficiaries 99.98% Direct Debits 99.98% Payments – AIS 100.0% Payments – CoF 99.98% Payments – PIS 99.98% payments-VRP 99.98% Products 99.98% Standing Orders – AIS 99.98% Standing Orders – PIS 99.98% Statements 99.98% Transactions 99.98% UBN Availability by Endpoint Category: February 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 100.0% Transactions 99.95% 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 February 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Average weighted API availability 99.94% Core hours (06:00-00:00) 99.96% Non core hours (00:00-06:00) 99.92% February 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. February 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 February. February 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 February. February 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. February 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. February 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: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 98.03% payments-VRP 99.74% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.95% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 100.0% Payments – PIS 98.01% payments-VRP 98.96% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.96% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 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 99.63% Bank of Scotland Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% Barclays Availability by Endpoint Category: February 2025 Account Requests – AIS 99.68% Account Requests – CoF 99.68% Accounts 99.68% Balances 99.68% Beneficiaries 99.68% Direct Debits 99.68% Payments – AIS 99.68% Payments – CoF 99.68% Payments – PIS 99.68% payments-VRP 99.68% Products 99.68% Standing Orders – AIS 99.68% Standing Orders – PIS 99.68% Statements 99.68% Transactions 99.68% Cater Allen Availability by Endpoint Category: February 2025 Account Requests – AIS 99.94% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – PIS 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Statements 99.94% Transactions 99.94% Danske Bank Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.78% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.78% First Direct Availability by Endpoint Category: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.91% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% HSBC Business Availability by Endpoint Category: February 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: February 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: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.98% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% MBNA Availability by Endpoint Category: February 2025 Account Requests – AIS 99.99% Accounts 100.0% Balances 99.77% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 99.93% Mettle Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: February 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 99.94% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.87% payments-VRP 100.0% Products 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.91% NWB Availability by Endpoint Category: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 99.91% Accounts 99.97% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.97% Payments – AIS 100.0% Payments – CoF 99.91% Payments – PIS 99.91% payments-VRP 99.91% Products 99.97% Standing Orders – AIS 99.97% Standing Orders – PIS 99.92% Statements 99.97% Transactions 99.97% RBS Availability by Endpoint Category: February 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.89% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.96% Payments – CoF 99.89% Payments – PIS 99.89% payments-VRP 99.89% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.9% Statements 99.96% Transactions 99.96% Santander UK plc Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 99.98% Accounts 99.98% Balances 99.98% Beneficiaries 99.98% Direct Debits 99.98% Payments – CoF 99.98% Payments – PIS 99.98% payments-VRP 99.98% Products 99.98% Standing Orders – AIS 99.98% Standing Orders – PIS 99.99% Statements 99.98% Transactions 99.98% UBN Availability by Endpoint Category: February 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 100.0% Transactions 99.95% Average API response times Average API response times by brand Response times by brand February 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. Average API Response Time 337 milliseconds February 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. February 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): February 2025 Account Requests – AIS 137ms Accounts 88ms Balances 56ms Direct Debits 2,058ms Payments – CoF 167ms Payments – PIS 80ms payments-VRP 87ms Products 412ms Standing Orders – AIS 1,485ms Standing Orders – PIS 87ms Transactions 64ms AIB Group (UK) p.l.c. Response times (milliseconds): February 2025 Account Requests – AIS 119ms Accounts 69ms Balances 38ms Payments – CoF 265ms Payments – PIS 70ms Products 195ms Standing Orders – PIS 78ms Transactions 47ms Bank of Ireland UK Response times (milliseconds): February 2025 Account Requests – AIS 170ms Account Requests – CoF 404ms Accounts 336ms Balances 364ms Payments – AIS 542ms Payments – CoF 450ms Payments – PIS 848ms payments-VRP 1,042ms Products 425ms Standing Orders – AIS 552ms Standing Orders – PIS 591ms Statements 745ms Transactions 399ms Bank of Scotland Response times (milliseconds): February 2025 Account Requests – AIS 279ms Account Requests – CoF 282ms Accounts 176ms Balances 196ms Beneficiaries 290ms Direct Debits 258ms Payments – AIS 239ms Payments – CoF 260ms Payments – PIS 545ms payments-VRP 494ms Products 441ms Standing Orders – AIS 233ms Standing Orders – PIS 524ms Statements 405ms Transactions 291ms Barclays Response times (milliseconds): February 2025 Account Requests – AIS 112ms Account Requests – CoF 183ms Accounts 154ms Balances 220ms Beneficiaries 140ms Direct Debits 221ms Payments – AIS 387ms Payments – CoF 295ms Payments – PIS 239ms payments-VRP 493ms Products 377ms Standing Orders – AIS 247ms Standing Orders – PIS 184ms Statements 21ms Transactions 272ms Cater Allen Response times (milliseconds): February 2025 Account Requests – AIS 81ms Accounts 62ms Balances 65ms Beneficiaries 55ms Direct Debits 55ms Payments – AIS 56ms Payments – PIS 72ms Products 55ms Standing Orders – AIS 55ms Standing Orders – PIS 41ms Statements 60ms Transactions 60ms Danske Bank Response times (milliseconds): February 2025 Account Requests – AIS 45ms Account Requests – CoF 2,304ms Accounts 436ms Balances 185ms Beneficiaries 172ms Direct Debits 320ms Payments – AIS 311ms Payments – CoF 86ms Payments – PIS 68ms payments-VRP 127ms Products 133ms Standing Orders – AIS 349ms Standing Orders – PIS 77ms Transactions 643ms First Direct Response times (milliseconds): February 2025 Account Requests – AIS 145ms Account Requests – CoF 303ms Accounts 319ms Balances 368ms Beneficiaries 427ms Direct Debits 385ms Payments – AIS 609ms Payments – CoF 392ms Payments – PIS 261ms payments-VRP 300ms Products 685ms Standing Orders – AIS 597ms Standing Orders – PIS 283ms Statements 274ms Transactions 539ms Halifax Response times (milliseconds): February 2025 Account Requests – AIS 281ms Account Requests – CoF 275ms Accounts 177ms Balances 198ms Beneficiaries 288ms Direct Debits 258ms Payments – AIS 238ms Payments – CoF 259ms Payments – PIS 575ms payments-VRP 492ms Products 440ms Standing Orders – AIS 233ms Standing Orders – PIS 567ms Statements 401ms Transactions 301ms HSBC Business Response times (milliseconds): February 2025 Account Requests – AIS 177ms Account Requests – CoF 452ms Accounts 463ms Balances 444ms Beneficiaries 368ms Direct Debits 837ms Payments – AIS 298ms Payments – CoF 595ms Payments – PIS 496ms payments-VRP 387ms Products 762ms Standing Orders – AIS 414ms Standing Orders – PIS 294ms Statements 2,301ms Transactions 588ms HSBC Kinetic Response times (milliseconds): February 2025 Account Requests – AIS 137ms Account Requests – CoF 255ms Accounts 392ms Balances 414ms Beneficiaries 372ms Direct Debits 843ms Payments – AIS 791ms Payments – CoF 482ms Payments – PIS 315ms payments-VRP 362ms Products 870ms Standing Orders – AIS 881ms Standing Orders – PIS 302ms Statements 1,968ms Transactions 538ms HSBC Personal Response times (milliseconds): February 2025 Account Requests – AIS 147ms Account Requests – CoF 270ms Accounts 317ms Balances 371ms Beneficiaries 483ms Direct Debits 416ms Payments – AIS 633ms Payments – CoF 392ms Payments – PIS 260ms payments-VRP 300ms Products 680ms Standing Orders – AIS 665ms Standing Orders – PIS 253ms Statements 150ms Transactions 542ms Lloyds Response times (milliseconds): February 2025 Account Requests – AIS 280ms Account Requests – CoF 274ms Accounts 177ms Balances 195ms Beneficiaries 291ms Direct Debits 257ms Payments – AIS 237ms Payments – CoF 257ms Payments – PIS 593ms payments-VRP 491ms Products 439ms Standing Orders – AIS 233ms Standing Orders – PIS 523ms Statements 530ms Transactions 283ms MBNA Response times (milliseconds): February 2025 Account Requests – AIS 285ms Accounts 245ms Balances 302ms Beneficiaries 285ms Direct Debits 192ms Payments – AIS 196ms Products 191ms Standing Orders – AIS 194ms Statements 354ms Transactions 382ms Mettle Response times (milliseconds): February 2025 Account Requests – AIS 69ms Accounts 70ms Balances 60ms Beneficiaries 37ms Direct Debits 107ms Payments – AIS 47ms Payments – PIS 97ms payments-VRP 70ms Products 83ms Standing Orders – AIS 6ms Standing Orders – PIS 67ms Statements 75ms Transactions 83ms Nationwide Building Society Response times (milliseconds): February 2025 Account Requests – AIS 137ms Account Requests – CoF 230ms Accounts 195ms Balances 231ms Beneficiaries 453ms Direct Debits 565ms Payments – AIS 268ms Payments – CoF 225ms Payments – PIS 315ms payments-VRP 258ms Products 189ms Standing Orders – AIS 187ms Standing Orders – PIS 343ms Statements 808ms Transactions 216ms NWB Response times (milliseconds): February 2025 Account Requests – AIS 153ms Account Requests – CoF 376ms Accounts 386ms Balances 317ms Beneficiaries 680ms Direct Debits 246ms Payments – AIS 265ms Payments – CoF 218ms Payments – PIS 339ms payments-VRP 420ms Products 257ms Standing Orders – AIS 293ms Standing Orders – PIS 274ms Statements 181ms Transactions 471ms RBS Response times (milliseconds): February 2025 Account Requests – AIS 167ms Account Requests – CoF 442ms Accounts 391ms Balances 335ms Beneficiaries 638ms Direct Debits 267ms Payments – AIS 301ms Payments – CoF 234ms Payments – PIS 379ms payments-VRP 487ms Products 260ms Standing Orders – AIS 308ms Standing Orders – PIS 278ms Statements 195ms Transactions 441ms Santander UK plc Response times (milliseconds): February 2025 Account Requests – AIS 466ms Account Requests – CoF 528ms Accounts 618ms Balances 630ms Beneficiaries 846ms Direct Debits 727ms Payments – CoF 597ms Payments – PIS 779ms payments-VRP 417ms Products 550ms Standing Orders – AIS 713ms Standing Orders – PIS 892ms Statements 620ms Transactions 725ms UBN Response times (milliseconds): February 2025 Account Requests – AIS 169ms Account Requests – CoF 492ms Accounts 411ms Balances 300ms Beneficiaries 668ms Direct Debits 287ms Payments – AIS 289ms Payments – CoF 255ms Payments – PIS 402ms payments-VRP 574ms Products 229ms Standing Orders – AIS 288ms Standing Orders – PIS 259ms Statements 296ms Transactions 385ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand February 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Successful API calls Total calls 1,780,842,248 % of overall total calls 99.54% AIS Total calls 1,452,734,336 % of overall total calls 81.20% PIS Total calls 95,703,994 % of overall total calls 5.35% February 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. February 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. February 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. February 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 February. Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand February 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Failed API Calls Total calls 8,171,786 % of overall total calls 0.46% Business Total calls 6,005,449 % of overall total calls 0.34% Technical Total calls 2,166,337 % of overall total calls 0.12% 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. February 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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 February 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Rejected API Calls Total calls 2,261,641 % of overall total calls 0.126% 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. February 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February key performance metrics 99.69% Average API availability – unweighted 337ms Average API response time 99.54% Successful API calls (%) 99.94% Average API availability – weighted 1780.8m Successful API calls (actual) 0.46% Failed API calls
Average API availability – unweighted Average API availability by brand – unweighted Core hours by brand (06:00 – 0:00) – unweighted Non core hours by brand (00:00 – 6:00) – unweighted AIS availability by brand – unweighted PIS availability by brand – unweighted API availability by category – unweighted February 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Average API availability 99.69% Core hours (06:00-00:00) 99.69% Non core hours (00:00-06:00) 99.69% 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. February 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 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 February. 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. February 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 February. 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. February 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 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: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 97.95% payments-VRP 99.74% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.95% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 100.0% Payments – PIS 97.95% payments-VRP 98.96% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.95% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 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 99.63% Bank of Scotland Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% Barclays Availability by Endpoint Category: February 2025 Account Requests – AIS 99.68% Account Requests – CoF 99.68% Accounts 99.68% Balances 99.68% Beneficiaries 99.68% Direct Debits 99.68% Payments – AIS 99.68% Payments – CoF 99.68% Payments – PIS 99.68% payments-VRP 99.68% Products 99.68% Standing Orders – AIS 99.68% Standing Orders – PIS 99.68% Statements 99.68% Transactions 99.68% Cater Allen Availability by Endpoint Category: February 2025 Account Requests – AIS 99.94% Account Requests – CoF 100.0% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – PIS 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Statements 99.94% Transactions 99.94% Danske Bank Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.78% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.78% First Direct Availability by Endpoint Category: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.91% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% HSBC Business Availability by Endpoint Category: February 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: February 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: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.98% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% MBNA Availability by Endpoint Category: February 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.77% 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 99.93% Mettle Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: February 2025 Account Requests – AIS 99.59% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 99.94% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.59% payments-VRP 99.93% Products 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.91% NWB Availability by Endpoint Category: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 99.91% Accounts 99.97% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.97% Payments – AIS 100.0% Payments – CoF 99.91% Payments – PIS 99.91% payments-VRP 99.91% Products 99.97% Standing Orders – AIS 99.97% Standing Orders – PIS 99.91% Statements 99.97% Transactions 99.97% RBS Availability by Endpoint Category: February 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.89% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.96% Payments – CoF 99.89% Payments – PIS 99.89% payments-VRP 99.89% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.89% Statements 99.96% Transactions 99.96% Santander UK plc Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 99.98% Accounts 99.98% Balances 99.98% Beneficiaries 99.98% Direct Debits 99.98% Payments – AIS 100.0% Payments – CoF 99.98% Payments – PIS 99.98% payments-VRP 99.98% Products 99.98% Standing Orders – AIS 99.98% Standing Orders – PIS 99.98% Statements 99.98% Transactions 99.98% UBN Availability by Endpoint Category: February 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 100.0% Transactions 99.95%
February 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Average API availability 99.69% Core hours (06:00-00:00) 99.69% Non core hours (00:00-06:00) 99.69% 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.
February 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 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 February. 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.
February 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 February. 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.
February 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 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: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 97.95% payments-VRP 99.74% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.95% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 100.0% Payments – PIS 97.95% payments-VRP 98.96% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.95% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 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 99.63% Bank of Scotland Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% Barclays Availability by Endpoint Category: February 2025 Account Requests – AIS 99.68% Account Requests – CoF 99.68% Accounts 99.68% Balances 99.68% Beneficiaries 99.68% Direct Debits 99.68% Payments – AIS 99.68% Payments – CoF 99.68% Payments – PIS 99.68% payments-VRP 99.68% Products 99.68% Standing Orders – AIS 99.68% Standing Orders – PIS 99.68% Statements 99.68% Transactions 99.68% Cater Allen Availability by Endpoint Category: February 2025 Account Requests – AIS 99.94% Account Requests – CoF 100.0% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – PIS 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Statements 99.94% Transactions 99.94% Danske Bank Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.78% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.78% First Direct Availability by Endpoint Category: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.91% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% HSBC Business Availability by Endpoint Category: February 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: February 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: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.98% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.97% payments-VRP 99.99% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% MBNA Availability by Endpoint Category: February 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 99.77% 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 99.93% Mettle Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: February 2025 Account Requests – AIS 99.59% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 99.94% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.59% payments-VRP 99.93% Products 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.91% NWB Availability by Endpoint Category: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 99.91% Accounts 99.97% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.97% Payments – AIS 100.0% Payments – CoF 99.91% Payments – PIS 99.91% payments-VRP 99.91% Products 99.97% Standing Orders – AIS 99.97% Standing Orders – PIS 99.91% Statements 99.97% Transactions 99.97% RBS Availability by Endpoint Category: February 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.89% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.96% Payments – CoF 99.89% Payments – PIS 99.89% payments-VRP 99.89% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.89% Statements 99.96% Transactions 99.96% Santander UK plc Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 99.98% Accounts 99.98% Balances 99.98% Beneficiaries 99.98% Direct Debits 99.98% Payments – AIS 100.0% Payments – CoF 99.98% Payments – PIS 99.98% payments-VRP 99.98% Products 99.98% Standing Orders – AIS 99.98% Standing Orders – PIS 99.98% Statements 99.98% Transactions 99.98% UBN Availability by Endpoint Category: February 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 100.0% Transactions 99.95%
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 February 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Average weighted API availability 99.94% Core hours (06:00-00:00) 99.96% Non core hours (00:00-06:00) 99.92% February 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. February 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 February. February 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 February. February 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. February 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. February 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: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 98.03% payments-VRP 99.74% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.95% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 100.0% Payments – PIS 98.01% payments-VRP 98.96% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.96% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 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 99.63% Bank of Scotland Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% Barclays Availability by Endpoint Category: February 2025 Account Requests – AIS 99.68% Account Requests – CoF 99.68% Accounts 99.68% Balances 99.68% Beneficiaries 99.68% Direct Debits 99.68% Payments – AIS 99.68% Payments – CoF 99.68% Payments – PIS 99.68% payments-VRP 99.68% Products 99.68% Standing Orders – AIS 99.68% Standing Orders – PIS 99.68% Statements 99.68% Transactions 99.68% Cater Allen Availability by Endpoint Category: February 2025 Account Requests – AIS 99.94% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – PIS 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Statements 99.94% Transactions 99.94% Danske Bank Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.78% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.78% First Direct Availability by Endpoint Category: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.91% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% HSBC Business Availability by Endpoint Category: February 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: February 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: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.98% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% MBNA Availability by Endpoint Category: February 2025 Account Requests – AIS 99.99% Accounts 100.0% Balances 99.77% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 99.93% Mettle Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: February 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 99.94% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.87% payments-VRP 100.0% Products 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.91% NWB Availability by Endpoint Category: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 99.91% Accounts 99.97% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.97% Payments – AIS 100.0% Payments – CoF 99.91% Payments – PIS 99.91% payments-VRP 99.91% Products 99.97% Standing Orders – AIS 99.97% Standing Orders – PIS 99.92% Statements 99.97% Transactions 99.97% RBS Availability by Endpoint Category: February 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.89% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.96% Payments – CoF 99.89% Payments – PIS 99.89% payments-VRP 99.89% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.9% Statements 99.96% Transactions 99.96% Santander UK plc Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 99.98% Accounts 99.98% Balances 99.98% Beneficiaries 99.98% Direct Debits 99.98% Payments – CoF 99.98% Payments – PIS 99.98% payments-VRP 99.98% Products 99.98% Standing Orders – AIS 99.98% Standing Orders – PIS 99.99% Statements 99.98% Transactions 99.98% UBN Availability by Endpoint Category: February 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 100.0% Transactions 99.95%
February 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February. Average weighted API availability 99.94% Core hours (06:00-00:00) 99.96% Non core hours (00:00-06:00) 99.92%
February 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February.
February 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 February.
February 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 February.
February 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February.
February 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in February.
February 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: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 98.03% payments-VRP 99.74% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.95% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Payments – CoF 100.0% Payments – PIS 98.01% payments-VRP 98.96% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 97.96% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 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 99.63% Bank of Scotland Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.97% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.99% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% Barclays Availability by Endpoint Category: February 2025 Account Requests – AIS 99.68% Account Requests – CoF 99.68% Accounts 99.68% Balances 99.68% Beneficiaries 99.68% Direct Debits 99.68% Payments – AIS 99.68% Payments – CoF 99.68% Payments – PIS 99.68% payments-VRP 99.68% Products 99.68% Standing Orders – AIS 99.68% Standing Orders – PIS 99.68% Statements 99.68% Transactions 99.68% Cater Allen Availability by Endpoint Category: February 2025 Account Requests – AIS 99.94% Accounts 99.94% Balances 99.94% Beneficiaries 99.94% Direct Debits 99.94% Payments – AIS 99.94% Payments – PIS 99.94% Products 99.94% Standing Orders – AIS 99.94% Standing Orders – PIS 99.94% Statements 99.94% Transactions 99.94% Danske Bank Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 99.78% Balances 99.78% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 99.78% First Direct Availability by Endpoint Category: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.99% Balances 99.91% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.96% HSBC Business Availability by Endpoint Category: February 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: February 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: February 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: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 100.0% Accounts 99.98% Balances 99.94% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.98% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.97% MBNA Availability by Endpoint Category: February 2025 Account Requests – AIS 99.99% Accounts 100.0% Balances 99.77% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 99.93% Mettle Availability by Endpoint Category: February 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: February 2025 Account Requests – AIS 99.99% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 99.94% Payments – AIS 100.0% Payments – CoF 100.0% Payments – PIS 99.87% payments-VRP 100.0% Products 99.99% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Statements 100.0% Transactions 99.91% NWB Availability by Endpoint Category: February 2025 Account Requests – AIS 99.97% Account Requests – CoF 99.91% Accounts 99.97% Balances 99.97% Beneficiaries 99.97% Direct Debits 99.97% Payments – AIS 100.0% Payments – CoF 99.91% Payments – PIS 99.91% payments-VRP 99.91% Products 99.97% Standing Orders – AIS 99.97% Standing Orders – PIS 99.92% Statements 99.97% Transactions 99.97% RBS Availability by Endpoint Category: February 2025 Account Requests – AIS 99.96% Account Requests – CoF 99.89% Accounts 99.96% Balances 99.96% Beneficiaries 99.96% Direct Debits 99.96% Payments – AIS 99.96% Payments – CoF 99.89% Payments – PIS 99.89% payments-VRP 99.89% Products 99.96% Standing Orders – AIS 99.96% Standing Orders – PIS 99.9% Statements 99.96% Transactions 99.96% Santander UK plc Availability by Endpoint Category: February 2025 Account Requests – AIS 99.98% Account Requests – CoF 99.98% Accounts 99.98% Balances 99.98% Beneficiaries 99.98% Direct Debits 99.98% Payments – CoF 99.98% Payments – PIS 99.98% payments-VRP 99.98% Products 99.98% Standing Orders – AIS 99.98% Standing Orders – PIS 99.99% Statements 99.98% Transactions 99.98% UBN Availability by Endpoint Category: February 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 100.0% Transactions 99.95%
Average API response times Average API response times by brand Response times by brand February 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. Average API Response Time 337 milliseconds February 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. February 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): February 2025 Account Requests – AIS 137ms Accounts 88ms Balances 56ms Direct Debits 2,058ms Payments – CoF 167ms Payments – PIS 80ms payments-VRP 87ms Products 412ms Standing Orders – AIS 1,485ms Standing Orders – PIS 87ms Transactions 64ms AIB Group (UK) p.l.c. Response times (milliseconds): February 2025 Account Requests – AIS 119ms Accounts 69ms Balances 38ms Payments – CoF 265ms Payments – PIS 70ms Products 195ms Standing Orders – PIS 78ms Transactions 47ms Bank of Ireland UK Response times (milliseconds): February 2025 Account Requests – AIS 170ms Account Requests – CoF 404ms Accounts 336ms Balances 364ms Payments – AIS 542ms Payments – CoF 450ms Payments – PIS 848ms payments-VRP 1,042ms Products 425ms Standing Orders – AIS 552ms Standing Orders – PIS 591ms Statements 745ms Transactions 399ms Bank of Scotland Response times (milliseconds): February 2025 Account Requests – AIS 279ms Account Requests – CoF 282ms Accounts 176ms Balances 196ms Beneficiaries 290ms Direct Debits 258ms Payments – AIS 239ms Payments – CoF 260ms Payments – PIS 545ms payments-VRP 494ms Products 441ms Standing Orders – AIS 233ms Standing Orders – PIS 524ms Statements 405ms Transactions 291ms Barclays Response times (milliseconds): February 2025 Account Requests – AIS 112ms Account Requests – CoF 183ms Accounts 154ms Balances 220ms Beneficiaries 140ms Direct Debits 221ms Payments – AIS 387ms Payments – CoF 295ms Payments – PIS 239ms payments-VRP 493ms Products 377ms Standing Orders – AIS 247ms Standing Orders – PIS 184ms Statements 21ms Transactions 272ms Cater Allen Response times (milliseconds): February 2025 Account Requests – AIS 81ms Accounts 62ms Balances 65ms Beneficiaries 55ms Direct Debits 55ms Payments – AIS 56ms Payments – PIS 72ms Products 55ms Standing Orders – AIS 55ms Standing Orders – PIS 41ms Statements 60ms Transactions 60ms Danske Bank Response times (milliseconds): February 2025 Account Requests – AIS 45ms Account Requests – CoF 2,304ms Accounts 436ms Balances 185ms Beneficiaries 172ms Direct Debits 320ms Payments – AIS 311ms Payments – CoF 86ms Payments – PIS 68ms payments-VRP 127ms Products 133ms Standing Orders – AIS 349ms Standing Orders – PIS 77ms Transactions 643ms First Direct Response times (milliseconds): February 2025 Account Requests – AIS 145ms Account Requests – CoF 303ms Accounts 319ms Balances 368ms Beneficiaries 427ms Direct Debits 385ms Payments – AIS 609ms Payments – CoF 392ms Payments – PIS 261ms payments-VRP 300ms Products 685ms Standing Orders – AIS 597ms Standing Orders – PIS 283ms Statements 274ms Transactions 539ms Halifax Response times (milliseconds): February 2025 Account Requests – AIS 281ms Account Requests – CoF 275ms Accounts 177ms Balances 198ms Beneficiaries 288ms Direct Debits 258ms Payments – AIS 238ms Payments – CoF 259ms Payments – PIS 575ms payments-VRP 492ms Products 440ms Standing Orders – AIS 233ms Standing Orders – PIS 567ms Statements 401ms Transactions 301ms HSBC Business Response times (milliseconds): February 2025 Account Requests – AIS 177ms Account Requests – CoF 452ms Accounts 463ms Balances 444ms Beneficiaries 368ms Direct Debits 837ms Payments – AIS 298ms Payments – CoF 595ms Payments – PIS 496ms payments-VRP 387ms Products 762ms Standing Orders – AIS 414ms Standing Orders – PIS 294ms Statements 2,301ms Transactions 588ms HSBC Kinetic Response times (milliseconds): February 2025 Account Requests – AIS 137ms Account Requests – CoF 255ms Accounts 392ms Balances 414ms Beneficiaries 372ms Direct Debits 843ms Payments – AIS 791ms Payments – CoF 482ms Payments – PIS 315ms payments-VRP 362ms Products 870ms Standing Orders – AIS 881ms Standing Orders – PIS 302ms Statements 1,968ms Transactions 538ms HSBC Personal Response times (milliseconds): February 2025 Account Requests – AIS 147ms Account Requests – CoF 270ms Accounts 317ms Balances 371ms Beneficiaries 483ms Direct Debits 416ms Payments – AIS 633ms Payments – CoF 392ms Payments – PIS 260ms payments-VRP 300ms Products 680ms Standing Orders – AIS 665ms Standing Orders – PIS 253ms Statements 150ms Transactions 542ms Lloyds Response times (milliseconds): February 2025 Account Requests – AIS 280ms Account Requests – CoF 274ms Accounts 177ms Balances 195ms Beneficiaries 291ms Direct Debits 257ms Payments – AIS 237ms Payments – CoF 257ms Payments – PIS 593ms payments-VRP 491ms Products 439ms Standing Orders – AIS 233ms Standing Orders – PIS 523ms Statements 530ms Transactions 283ms MBNA Response times (milliseconds): February 2025 Account Requests – AIS 285ms Accounts 245ms Balances 302ms Beneficiaries 285ms Direct Debits 192ms Payments – AIS 196ms Products 191ms Standing Orders – AIS 194ms Statements 354ms Transactions 382ms Mettle Response times (milliseconds): February 2025 Account Requests – AIS 69ms Accounts 70ms Balances 60ms Beneficiaries 37ms Direct Debits 107ms Payments – AIS 47ms Payments – PIS 97ms payments-VRP 70ms Products 83ms Standing Orders – AIS 6ms Standing Orders – PIS 67ms Statements 75ms Transactions 83ms Nationwide Building Society Response times (milliseconds): February 2025 Account Requests – AIS 137ms Account Requests – CoF 230ms Accounts 195ms Balances 231ms Beneficiaries 453ms Direct Debits 565ms Payments – AIS 268ms Payments – CoF 225ms Payments – PIS 315ms payments-VRP 258ms Products 189ms Standing Orders – AIS 187ms Standing Orders – PIS 343ms Statements 808ms Transactions 216ms NWB Response times (milliseconds): February 2025 Account Requests – AIS 153ms Account Requests – CoF 376ms Accounts 386ms Balances 317ms Beneficiaries 680ms Direct Debits 246ms Payments – AIS 265ms Payments – CoF 218ms Payments – PIS 339ms payments-VRP 420ms Products 257ms Standing Orders – AIS 293ms Standing Orders – PIS 274ms Statements 181ms Transactions 471ms RBS Response times (milliseconds): February 2025 Account Requests – AIS 167ms Account Requests – CoF 442ms Accounts 391ms Balances 335ms Beneficiaries 638ms Direct Debits 267ms Payments – AIS 301ms Payments – CoF 234ms Payments – PIS 379ms payments-VRP 487ms Products 260ms Standing Orders – AIS 308ms Standing Orders – PIS 278ms Statements 195ms Transactions 441ms Santander UK plc Response times (milliseconds): February 2025 Account Requests – AIS 466ms Account Requests – CoF 528ms Accounts 618ms Balances 630ms Beneficiaries 846ms Direct Debits 727ms Payments – CoF 597ms Payments – PIS 779ms payments-VRP 417ms Products 550ms Standing Orders – AIS 713ms Standing Orders – PIS 892ms Statements 620ms Transactions 725ms UBN Response times (milliseconds): February 2025 Account Requests – AIS 169ms Account Requests – CoF 492ms Accounts 411ms Balances 300ms Beneficiaries 668ms Direct Debits 287ms Payments – AIS 289ms Payments – CoF 255ms Payments – PIS 402ms payments-VRP 574ms Products 229ms Standing Orders – AIS 288ms Standing Orders – PIS 259ms Statements 296ms Transactions 385ms
February 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February. Average API Response Time 337 milliseconds
February 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in February.
February 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): February 2025 Account Requests – AIS 137ms Accounts 88ms Balances 56ms Direct Debits 2,058ms Payments – CoF 167ms Payments – PIS 80ms payments-VRP 87ms Products 412ms Standing Orders – AIS 1,485ms Standing Orders – PIS 87ms Transactions 64ms AIB Group (UK) p.l.c. Response times (milliseconds): February 2025 Account Requests – AIS 119ms Accounts 69ms Balances 38ms Payments – CoF 265ms Payments – PIS 70ms Products 195ms Standing Orders – PIS 78ms Transactions 47ms Bank of Ireland UK Response times (milliseconds): February 2025 Account Requests – AIS 170ms Account Requests – CoF 404ms Accounts 336ms Balances 364ms Payments – AIS 542ms Payments – CoF 450ms Payments – PIS 848ms payments-VRP 1,042ms Products 425ms Standing Orders – AIS 552ms Standing Orders – PIS 591ms Statements 745ms Transactions 399ms Bank of Scotland Response times (milliseconds): February 2025 Account Requests – AIS 279ms Account Requests – CoF 282ms Accounts 176ms Balances 196ms Beneficiaries 290ms Direct Debits 258ms Payments – AIS 239ms Payments – CoF 260ms Payments – PIS 545ms payments-VRP 494ms Products 441ms Standing Orders – AIS 233ms Standing Orders – PIS 524ms Statements 405ms Transactions 291ms Barclays Response times (milliseconds): February 2025 Account Requests – AIS 112ms Account Requests – CoF 183ms Accounts 154ms Balances 220ms Beneficiaries 140ms Direct Debits 221ms Payments – AIS 387ms Payments – CoF 295ms Payments – PIS 239ms payments-VRP 493ms Products 377ms Standing Orders – AIS 247ms Standing Orders – PIS 184ms Statements 21ms Transactions 272ms Cater Allen Response times (milliseconds): February 2025 Account Requests – AIS 81ms Accounts 62ms Balances 65ms Beneficiaries 55ms Direct Debits 55ms Payments – AIS 56ms Payments – PIS 72ms Products 55ms Standing Orders – AIS 55ms Standing Orders – PIS 41ms Statements 60ms Transactions 60ms Danske Bank Response times (milliseconds): February 2025 Account Requests – AIS 45ms Account Requests – CoF 2,304ms Accounts 436ms Balances 185ms Beneficiaries 172ms Direct Debits 320ms Payments – AIS 311ms Payments – CoF 86ms Payments – PIS 68ms payments-VRP 127ms Products 133ms Standing Orders – AIS 349ms Standing Orders – PIS 77ms Transactions 643ms First Direct Response times (milliseconds): February 2025 Account Requests – AIS 145ms Account Requests – CoF 303ms Accounts 319ms Balances 368ms Beneficiaries 427ms Direct Debits 385ms Payments – AIS 609ms Payments – CoF 392ms Payments – PIS 261ms payments-VRP 300ms Products 685ms Standing Orders – AIS 597ms Standing Orders – PIS 283ms Statements 274ms Transactions 539ms Halifax Response times (milliseconds): February 2025 Account Requests – AIS 281ms Account Requests – CoF 275ms Accounts 177ms Balances 198ms Beneficiaries 288ms Direct Debits 258ms Payments – AIS 238ms Payments – CoF 259ms Payments – PIS 575ms payments-VRP 492ms Products 440ms Standing Orders – AIS 233ms Standing Orders – PIS 567ms Statements 401ms Transactions 301ms HSBC Business Response times (milliseconds): February 2025 Account Requests – AIS 177ms Account Requests – CoF 452ms Accounts 463ms Balances 444ms Beneficiaries 368ms Direct Debits 837ms Payments – AIS 298ms Payments – CoF 595ms Payments – PIS 496ms payments-VRP 387ms Products 762ms Standing Orders – AIS 414ms Standing Orders – PIS 294ms Statements 2,301ms Transactions 588ms HSBC Kinetic Response times (milliseconds): February 2025 Account Requests – AIS 137ms Account Requests – CoF 255ms Accounts 392ms Balances 414ms Beneficiaries 372ms Direct Debits 843ms Payments – AIS 791ms Payments – CoF 482ms Payments – PIS 315ms payments-VRP 362ms Products 870ms Standing Orders – AIS 881ms Standing Orders – PIS 302ms Statements 1,968ms Transactions 538ms HSBC Personal Response times (milliseconds): February 2025 Account Requests – AIS 147ms Account Requests – CoF 270ms Accounts 317ms Balances 371ms Beneficiaries 483ms Direct Debits 416ms Payments – AIS 633ms Payments – CoF 392ms Payments – PIS 260ms payments-VRP 300ms Products 680ms Standing Orders – AIS 665ms Standing Orders – PIS 253ms Statements 150ms Transactions 542ms Lloyds Response times (milliseconds): February 2025 Account Requests – AIS 280ms Account Requests – CoF 274ms Accounts 177ms Balances 195ms Beneficiaries 291ms Direct Debits 257ms Payments – AIS 237ms Payments – CoF 257ms Payments – PIS 593ms payments-VRP 491ms Products 439ms Standing Orders – AIS 233ms Standing Orders – PIS 523ms Statements 530ms Transactions 283ms MBNA Response times (milliseconds): February 2025 Account Requests – AIS 285ms Accounts 245ms Balances 302ms Beneficiaries 285ms Direct Debits 192ms Payments – AIS 196ms Products 191ms Standing Orders – AIS 194ms Statements 354ms Transactions 382ms Mettle Response times (milliseconds): February 2025 Account Requests – AIS 69ms Accounts 70ms Balances 60ms Beneficiaries 37ms Direct Debits 107ms Payments – AIS 47ms Payments – PIS 97ms payments-VRP 70ms Products 83ms Standing Orders – AIS 6ms Standing Orders – PIS 67ms Statements 75ms Transactions 83ms Nationwide Building Society Response times (milliseconds): February 2025 Account Requests – AIS 137ms Account Requests – CoF 230ms Accounts 195ms Balances 231ms Beneficiaries 453ms Direct Debits 565ms Payments – AIS 268ms Payments – CoF 225ms Payments – PIS 315ms payments-VRP 258ms Products 189ms Standing Orders – AIS 187ms Standing Orders – PIS 343ms Statements 808ms Transactions 216ms NWB Response times (milliseconds): February 2025 Account Requests – AIS 153ms Account Requests – CoF 376ms Accounts 386ms Balances 317ms Beneficiaries 680ms Direct Debits 246ms Payments – AIS 265ms Payments – CoF 218ms Payments – PIS 339ms payments-VRP 420ms Products 257ms Standing Orders – AIS 293ms Standing Orders – PIS 274ms Statements 181ms Transactions 471ms RBS Response times (milliseconds): February 2025 Account Requests – AIS 167ms Account Requests – CoF 442ms Accounts 391ms Balances 335ms Beneficiaries 638ms Direct Debits 267ms Payments – AIS 301ms Payments – CoF 234ms Payments – PIS 379ms payments-VRP 487ms Products 260ms Standing Orders – AIS 308ms Standing Orders – PIS 278ms Statements 195ms Transactions 441ms Santander UK plc Response times (milliseconds): February 2025 Account Requests – AIS 466ms Account Requests – CoF 528ms Accounts 618ms Balances 630ms Beneficiaries 846ms Direct Debits 727ms Payments – CoF 597ms Payments – PIS 779ms payments-VRP 417ms Products 550ms Standing Orders – AIS 713ms Standing Orders – PIS 892ms Statements 620ms Transactions 725ms UBN Response times (milliseconds): February 2025 Account Requests – AIS 169ms Account Requests – CoF 492ms Accounts 411ms Balances 300ms Beneficiaries 668ms Direct Debits 287ms Payments – AIS 289ms Payments – CoF 255ms Payments – PIS 402ms payments-VRP 574ms Products 229ms Standing Orders – AIS 288ms Standing Orders – PIS 259ms Statements 296ms Transactions 385ms
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand February 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Successful API calls Total calls 1,780,842,248 % of overall total calls 99.54% AIS Total calls 1,452,734,336 % of overall total calls 81.20% PIS Total calls 95,703,994 % of overall total calls 5.35% February 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. February 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. February 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. February 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 February.
February 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Successful API calls Total calls 1,780,842,248 % of overall total calls 99.54% AIS Total calls 1,452,734,336 % of overall total calls 81.20% PIS Total calls 95,703,994 % of overall total calls 5.35%
February 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February.
February 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February.
February 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in February.
February 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 February.
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand February 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Failed API Calls Total calls 8,171,786 % of overall total calls 0.46% Business Total calls 6,005,449 % of overall total calls 0.34% Technical Total calls 2,166,337 % of overall total calls 0.12% 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. February 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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. February 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Failed API Calls Total calls 8,171,786 % of overall total calls 0.46% Business Total calls 6,005,449 % of overall total calls 0.34% Technical Total calls 2,166,337 % of overall total calls 0.12% 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.
February 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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 February 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Rejected API Calls Total calls 2,261,641 % of overall total calls 0.126% 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. February 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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.
February 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. Rejected API Calls Total calls 2,261,641 % of overall total calls 0.126% 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.
February 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in February. 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.