API Performance StatsSelect a month:March 2025February 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 March key performance metrics 99.48% Average API availability – unweighted 351ms Average API response time 99.37% Successful API calls (%) 99.55% Average API availability – weighted 1990.1m Successful API calls (actual) 0.63% 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 March 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. Average API availability 99.49% Core hours (06:00-00:00) 99.73% Non core hours (00:00-06:00) 98.74% 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. March 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 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 March. 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. March 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 March. 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. March 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 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 Coutts 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: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: March 2025 Account Requests – AIS 97.85% Account Requests – CoF 97.85% Accounts 97.85% Balances 97.85% Beneficiaries 100.0% Payments – AIS 97.85% Payments – CoF 97.85% Payments – PIS 97.85% payments-VRP 97.85% Products 97.85% Standing Orders – AIS 97.85% Standing Orders – PIS 97.85% Statements 97.85% Transactions 97.85% Bank of Scotland Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.72% Balances 99.71% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% Barclays Availability by Endpoint Category: March 2025 Account Requests – AIS 99.82% Account Requests – CoF 99.82% Accounts 99.82% Balances 99.82% Beneficiaries 99.82% Direct Debits 99.82% Payments – AIS 99.82% Payments – CoF 99.82% Payments – PIS 99.82% payments-VRP 99.82% Products 99.82% Standing Orders – AIS 99.82% Standing Orders – PIS 99.82% Statements 99.82% Transactions 99.82% Coutts Availability by Endpoint Category: March 2025 Account Requests – AIS 98.92% Account Requests – CoF 99.1% Accounts 98.12% Balances 98.12% Beneficiaries 98.79% Direct Debits 99.1% Payments – CoF 98.92% Payments – PIS 98.92% Products 98.92% Standing Orders – AIS 98.79% Standing Orders – PIS 98.92% Transactions 98.12% Danske Bank Availability by Endpoint Category: March 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% Transactions 100.0% First Direct Availability by Endpoint Category: March 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: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.7% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.71% payments-VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.7% HSBC Business Availability by Endpoint Category: March 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: March 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: March 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: March 2025 Account Requests – AIS 99.71% Account Requests – CoF 99.72% Accounts 99.67% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.71% payments-VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.68% MBNA Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 100.0% Accounts 99.72% Balances 99.57% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 100.0% Statements 99.72% Transactions 99.71% Mettle Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: March 2025 Account Requests – AIS 98.07% Account Requests – CoF 97.96% Accounts 97.32% Balances 98.07% Beneficiaries 98.07% Direct Debits 98.07% Payments – AIS 98.07% Payments – CoF 98.07% Payments – PIS 97.27% payments-VRP 97.3% Products 98.07% Standing Orders – AIS 98.07% Standing Orders – PIS 97.3% Statements 99.98% Transactions 97.82% NWB Availability by Endpoint Category: March 2025 Account Requests – AIS 99.64% Account Requests – CoF 99.64% Accounts 99.64% Balances 99.64% Beneficiaries 99.64% Direct Debits 99.64% Payments – AIS 99.94% Payments – CoF 99.64% Payments – PIS 99.64% payments-VRP 99.64% Products 99.64% Standing Orders – AIS 99.64% Standing Orders – PIS 99.64% Statements 99.64% Transactions 99.64% RBS Availability by Endpoint Category: March 2025 Account Requests – AIS 99.61% Account Requests – CoF 99.61% Accounts 99.61% Balances 99.61% Beneficiaries 99.61% Direct Debits 99.61% Payments – AIS 99.61% Payments – CoF 99.61% Payments – PIS 99.61% payments-VRP 99.61% Products 99.61% Standing Orders – AIS 99.61% Standing Orders – PIS 99.61% Statements 99.91% Transactions 99.61% Santander UK plc Availability by Endpoint Category: March 2025 Account Requests – AIS 99.39% Account Requests – CoF 99.39% Accounts 99.39% Balances 99.39% Beneficiaries 99.39% Direct Debits 99.39% Payments – AIS 100.0% Payments – CoF 99.39% Payments – PIS 99.39% payments-VRP 99.39% Products 99.39% Standing Orders – AIS 99.39% Standing Orders – PIS 99.39% Statements 99.39% Transactions 99.39% UBN Availability by Endpoint Category: March 2025 Account Requests – AIS 99.58% Account Requests – CoF 99.59% Accounts 99.58% Balances 99.58% Beneficiaries 99.58% Direct Debits 99.58% Payments – AIS 99.58% Payments – CoF 99.59% Payments – PIS 99.59% payments-VRP 99.59% Products 99.58% Standing Orders – AIS 99.58% Standing Orders – PIS 99.59% Statements 99.86% Transactions 99.58% Average API availability – weighted Average API availability by brand – weighted Core hours by brand (06:00 – 0:00) – weighted Non core hours by brand (00:00 – 6:00) – weighted AIS availability by brand – weighted PIS availability by brand – weighted API availability by category – weighted March 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. Average weighted API availability 99.55% Core hours (06:00-00:00) 99.80% Non core hours (00:00-06:00) 98.86% March 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. March 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 March. March 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 March. March 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. March 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. March 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 Coutts 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: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: March 2025 Account Requests – AIS 97.85% Account Requests – CoF 98.36% Accounts 97.85% Balances 97.85% Payments – AIS 97.85% Payments – CoF 97.85% Payments – PIS 97.85% payments-VRP 98.46% Products 97.85% Standing Orders – AIS 97.85% Standing Orders – PIS 97.85% Statements 97.87% Transactions 97.85% Bank of Scotland Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.72% Balances 99.71% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% Barclays Availability by Endpoint Category: March 2025 Account Requests – AIS 99.82% Account Requests – CoF 99.82% Accounts 99.82% Balances 99.82% Beneficiaries 99.82% Direct Debits 99.82% Payments – AIS 99.82% Payments – CoF 99.82% Payments – PIS 99.82% payments-VRP 99.82% Products 99.82% Standing Orders – AIS 99.82% Standing Orders – PIS 99.82% Statements 99.82% Transactions 99.82% Coutts Availability by Endpoint Category: March 2025 Account Requests – AIS 98.92% Account Requests – CoF 99.1% Accounts 98.12% Balances 98.12% Beneficiaries 98.79% Direct Debits 99.1% Payments – CoF 98.92% Payments – PIS 98.93% Products 98.92% Standing Orders – AIS 98.79% Standing Orders – PIS 98.93% Transactions 98.12% Danske Bank Availability by Endpoint Category: March 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% Transactions 100.0% First Direct Availability by Endpoint Category: March 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: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.71% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.7% HSBC Business Availability by Endpoint Category: March 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: March 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: March 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: March 2025 Account Requests – AIS 99.71% Account Requests – CoF 99.72% Accounts 99.68% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.68% MBNA Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Accounts 99.72% Balances 99.57% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Products 99.72% Standing Orders – AIS 99.72% Statements 99.72% Transactions 99.71% Mettle Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: March 2025 Account Requests – AIS 98.07% Account Requests – CoF 97.97% Accounts 97.32% Balances 98.07% Beneficiaries 98.07% Direct Debits 98.07% Payments – AIS 98.07% Payments – CoF 98.07% Payments – PIS 97.29% payments-VRP 97.3% Products 98.07% Standing Orders – AIS 98.07% Standing Orders – PIS 97.3% Statements 99.98% Transactions 97.82% NWB Availability by Endpoint Category: March 2025 Account Requests – AIS 99.64% Account Requests – CoF 99.64% Accounts 99.64% Balances 99.64% Beneficiaries 99.64% Direct Debits 99.64% Payments – AIS 99.94% Payments – CoF 99.64% Payments – PIS 99.64% payments-VRP 99.64% Products 99.64% Standing Orders – AIS 99.64% Standing Orders – PIS 99.75% Statements 99.64% Transactions 99.64% RBS Availability by Endpoint Category: March 2025 Account Requests – AIS 99.61% Account Requests – CoF 99.62% Accounts 99.61% Balances 99.61% Beneficiaries 99.61% Direct Debits 99.61% Payments – AIS 99.61% Payments – CoF 99.61% Payments – PIS 99.61% payments-VRP 99.61% Products 99.61% Standing Orders – AIS 99.61% Standing Orders – PIS 99.66% Statements 99.91% Transactions 99.61% Santander UK plc Availability by Endpoint Category: March 2025 Account Requests – AIS 99.39% Account Requests – CoF 99.39% Accounts 99.39% Balances 99.39% Beneficiaries 99.39% Direct Debits 99.39% Payments – CoF 99.39% Payments – PIS 99.39% payments-VRP 99.39% Products 99.39% Standing Orders – AIS 99.39% Standing Orders – PIS 99.39% Statements 99.39% Transactions 99.39% UBN Availability by Endpoint Category: March 2025 Account Requests – AIS 99.58% Account Requests – CoF 99.6% Accounts 99.58% Balances 99.58% Beneficiaries 99.58% Direct Debits 99.58% Payments – AIS 99.58% Payments – CoF 99.59% Payments – PIS 99.59% payments-VRP 99.62% Products 99.58% Standing Orders – AIS 99.58% Standing Orders – PIS 99.59% Statements 99.86% Transactions 99.58% Average API response times Average API response times by brand Response times by brand March 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in March. Average API Response Time 351 milliseconds March 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in March. March 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 Coutts 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): March 2025 Account Requests – AIS 135ms Accounts 88ms Balances 57ms Direct Debits 1,845ms Payments – CoF 195ms Payments – PIS 83ms payments-VRP 237ms Products 442ms Standing Orders – AIS 1,060ms Standing Orders – PIS 86ms Transactions 66ms AIB Group (UK) p.l.c. Response times (milliseconds): March 2025 Account Requests – AIS 115ms Accounts 66ms Balances 37ms Direct Debits 631ms Payments – CoF 161ms Payments – PIS 74ms payments-VRP 814ms Products 484ms Standing Orders – AIS 254ms Standing Orders – PIS 74ms Transactions 45ms Bank of Ireland UK Response times (milliseconds): March 2025 Account Requests – AIS 174ms Account Requests – CoF 1,530ms Accounts 333ms Balances 362ms Payments – AIS 630ms Payments – CoF 492ms Payments – PIS 820ms payments-VRP 1,315ms Products 660ms Standing Orders – AIS 748ms Standing Orders – PIS 604ms Statements 625ms Transactions 395ms Bank of Scotland Response times (milliseconds): March 2025 Account Requests – AIS 276ms Account Requests – CoF 267ms Accounts 175ms Balances 195ms Beneficiaries 305ms Direct Debits 255ms Payments – AIS 235ms Payments – CoF 251ms Payments – PIS 521ms payments-VRP 400ms Products 445ms Standing Orders – AIS 230ms Standing Orders – PIS 617ms Statements 409ms Transactions 271ms Barclays Response times (milliseconds): March 2025 Account Requests – AIS 106ms Account Requests – CoF 177ms Accounts 141ms Balances 203ms Beneficiaries 137ms Direct Debits 211ms Payments – AIS 292ms Payments – CoF 265ms Payments – PIS 214ms payments-VRP 270ms Products 353ms Standing Orders – AIS 224ms Standing Orders – PIS 165ms Statements 22ms Transactions 260ms Coutts Response times (milliseconds): March 2025 Account Requests – AIS 867ms Account Requests – CoF 717ms Accounts 253ms Balances 269ms Beneficiaries 2,086ms Direct Debits 1,007ms Payments – CoF 366ms Payments – PIS 852ms Products 263ms Standing Orders – AIS 269ms Standing Orders – PIS 790ms Transactions 299ms Danske Bank Response times (milliseconds): March 2025 Account Requests – AIS 44ms Account Requests – CoF 2,185ms Accounts 427ms Balances 179ms Beneficiaries 172ms Direct Debits 328ms Payments – AIS 264ms Payments – CoF 84ms Payments – PIS 64ms payments-VRP 111ms Products 121ms Standing Orders – AIS 309ms Standing Orders – PIS 76ms Transactions 562ms First Direct Response times (milliseconds): March 2025 Account Requests – AIS 138ms Account Requests – CoF 289ms Accounts 312ms Balances 360ms Beneficiaries 429ms Direct Debits 409ms Payments – AIS 596ms Payments – CoF 384ms Payments – PIS 302ms payments-VRP 297ms Products 680ms Standing Orders – AIS 595ms Standing Orders – PIS 326ms Statements 509ms Transactions 531ms Halifax Response times (milliseconds): March 2025 Account Requests – AIS 277ms Account Requests – CoF 265ms Accounts 175ms Balances 197ms Beneficiaries 286ms Direct Debits 254ms Payments – AIS 234ms Payments – CoF 251ms Payments – PIS 574ms payments-VRP 399ms Products 444ms Standing Orders – AIS 229ms Standing Orders – PIS 552ms Statements 402ms Transactions 281ms HSBC Business Response times (milliseconds): March 2025 Account Requests – AIS 171ms Account Requests – CoF 323ms Accounts 422ms Balances 395ms Beneficiaries 334ms Direct Debits 658ms Payments – AIS 147ms Payments – CoF 610ms Payments – PIS 490ms payments-VRP 377ms Products 742ms Standing Orders – AIS 163ms Standing Orders – PIS 333ms Statements 1,182ms Transactions 542ms HSBC Kinetic Response times (milliseconds): March 2025 Account Requests – AIS 138ms Account Requests – CoF 260ms Accounts 393ms Balances 412ms Beneficiaries 296ms Direct Debits 810ms Payments – AIS 405ms Payments – CoF 471ms Payments – PIS 282ms payments-VRP 351ms Products 1,113ms Standing Orders – AIS 704ms Standing Orders – PIS 220ms Statements 1,934ms Transactions 524ms HSBC Personal Response times (milliseconds): March 2025 Account Requests – AIS 140ms Account Requests – CoF 258ms Accounts 317ms Balances 364ms Beneficiaries 500ms Direct Debits 413ms Payments – AIS 629ms Payments – CoF 385ms Payments – PIS 262ms payments-VRP 297ms Products 676ms Standing Orders – AIS 658ms Standing Orders – PIS 309ms Statements 243ms Transactions 535ms Lloyds Response times (milliseconds): March 2025 Account Requests – AIS 277ms Account Requests – CoF 266ms Accounts 175ms Balances 194ms Beneficiaries 297ms Direct Debits 254ms Payments – AIS 235ms Payments – CoF 249ms Payments – PIS 575ms payments-VRP 397ms Products 443ms Standing Orders – AIS 229ms Standing Orders – PIS 520ms Statements 474ms Transactions 268ms MBNA Response times (milliseconds): March 2025 Account Requests – AIS 281ms Accounts 246ms Balances 307ms Beneficiaries 281ms Direct Debits 188ms Payments – AIS 192ms Products 189ms Standing Orders – AIS 188ms Statements 352ms Transactions 400ms Mettle Response times (milliseconds): March 2025 Account Requests – AIS 66ms Account Requests – CoF 136ms Accounts 75ms Balances 59ms Beneficiaries 43ms Direct Debits 102ms Payments – AIS 52ms Payments – PIS 97ms payments-VRP 142ms Products 86ms Standing Orders – AIS 6ms Statements 90ms Transactions 78ms Nationwide Building Society Response times (milliseconds): March 2025 Account Requests – AIS 134ms Account Requests – CoF 227ms Accounts 183ms Balances 219ms Beneficiaries 404ms Direct Debits 544ms Payments – AIS 258ms Payments – CoF 220ms Payments – PIS 354ms payments-VRP 261ms Products 183ms Standing Orders – AIS 182ms Standing Orders – PIS 333ms Statements 357ms Transactions 212ms NWB Response times (milliseconds): March 2025 Account Requests – AIS 158ms Account Requests – CoF 371ms Accounts 386ms Balances 328ms Beneficiaries 665ms Direct Debits 248ms Payments – AIS 253ms Payments – CoF 215ms Payments – PIS 350ms payments-VRP 424ms Products 267ms Standing Orders – AIS 340ms Standing Orders – PIS 296ms Statements 181ms Transactions 467ms RBS Response times (milliseconds): March 2025 Account Requests – AIS 171ms Account Requests – CoF 413ms Accounts 396ms Balances 343ms Beneficiaries 671ms Direct Debits 270ms Payments – AIS 298ms Payments – CoF 230ms Payments – PIS 392ms payments-VRP 481ms Products 267ms Standing Orders – AIS 384ms Standing Orders – PIS 338ms Statements 184ms Transactions 438ms Santander UK plc Response times (milliseconds): March 2025 Account Requests – AIS 459ms Account Requests – CoF 510ms Accounts 604ms Balances 612ms Beneficiaries 825ms Direct Debits 693ms Payments – CoF 572ms Payments – PIS 793ms payments-VRP 414ms Products 541ms Standing Orders – AIS 673ms Standing Orders – PIS 913ms Statements 600ms Transactions 697ms UBN Response times (milliseconds): March 2025 Account Requests – AIS 173ms Account Requests – CoF 503ms Accounts 423ms Balances 332ms Beneficiaries 601ms Direct Debits 292ms Payments – AIS 302ms Payments – CoF 256ms Payments – PIS 405ms payments-VRP 595ms Products 267ms Standing Orders – AIS 289ms Standing Orders – PIS 361ms Transactions 406ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand March 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. Successful API calls Total calls 1,990,052,545 % of overall total calls 99.37% AIS Total calls 1,614,205,269 % of overall total calls 80.60% PIS Total calls 112,394,467 % of overall total calls 5.61% March 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. March 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. March 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. March 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 March. Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand March 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. Failed API Calls Total calls 12,658,659 % of overall total calls 0.63% Business Total calls 8,067,056 % of overall total calls 0.40% Technical Total calls 4,591,603 % of overall total calls 0.23% 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. March 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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 March 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. Rejected API Calls Total calls 2,667,247 % of overall total calls 0.133% 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. March 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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:March 2025February 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
March key performance metrics 99.48% Average API availability – unweighted 351ms Average API response time 99.37% Successful API calls (%) 99.55% Average API availability – weighted 1990.1m Successful API calls (actual) 0.63% 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 March 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. Average API availability 99.49% Core hours (06:00-00:00) 99.73% Non core hours (00:00-06:00) 98.74% 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. March 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 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 March. 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. March 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 March. 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. March 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 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 Coutts 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: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: March 2025 Account Requests – AIS 97.85% Account Requests – CoF 97.85% Accounts 97.85% Balances 97.85% Beneficiaries 100.0% Payments – AIS 97.85% Payments – CoF 97.85% Payments – PIS 97.85% payments-VRP 97.85% Products 97.85% Standing Orders – AIS 97.85% Standing Orders – PIS 97.85% Statements 97.85% Transactions 97.85% Bank of Scotland Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.72% Balances 99.71% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% Barclays Availability by Endpoint Category: March 2025 Account Requests – AIS 99.82% Account Requests – CoF 99.82% Accounts 99.82% Balances 99.82% Beneficiaries 99.82% Direct Debits 99.82% Payments – AIS 99.82% Payments – CoF 99.82% Payments – PIS 99.82% payments-VRP 99.82% Products 99.82% Standing Orders – AIS 99.82% Standing Orders – PIS 99.82% Statements 99.82% Transactions 99.82% Coutts Availability by Endpoint Category: March 2025 Account Requests – AIS 98.92% Account Requests – CoF 99.1% Accounts 98.12% Balances 98.12% Beneficiaries 98.79% Direct Debits 99.1% Payments – CoF 98.92% Payments – PIS 98.92% Products 98.92% Standing Orders – AIS 98.79% Standing Orders – PIS 98.92% Transactions 98.12% Danske Bank Availability by Endpoint Category: March 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% Transactions 100.0% First Direct Availability by Endpoint Category: March 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: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.7% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.71% payments-VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.7% HSBC Business Availability by Endpoint Category: March 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: March 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: March 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: March 2025 Account Requests – AIS 99.71% Account Requests – CoF 99.72% Accounts 99.67% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.71% payments-VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.68% MBNA Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 100.0% Accounts 99.72% Balances 99.57% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 100.0% Statements 99.72% Transactions 99.71% Mettle Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: March 2025 Account Requests – AIS 98.07% Account Requests – CoF 97.96% Accounts 97.32% Balances 98.07% Beneficiaries 98.07% Direct Debits 98.07% Payments – AIS 98.07% Payments – CoF 98.07% Payments – PIS 97.27% payments-VRP 97.3% Products 98.07% Standing Orders – AIS 98.07% Standing Orders – PIS 97.3% Statements 99.98% Transactions 97.82% NWB Availability by Endpoint Category: March 2025 Account Requests – AIS 99.64% Account Requests – CoF 99.64% Accounts 99.64% Balances 99.64% Beneficiaries 99.64% Direct Debits 99.64% Payments – AIS 99.94% Payments – CoF 99.64% Payments – PIS 99.64% payments-VRP 99.64% Products 99.64% Standing Orders – AIS 99.64% Standing Orders – PIS 99.64% Statements 99.64% Transactions 99.64% RBS Availability by Endpoint Category: March 2025 Account Requests – AIS 99.61% Account Requests – CoF 99.61% Accounts 99.61% Balances 99.61% Beneficiaries 99.61% Direct Debits 99.61% Payments – AIS 99.61% Payments – CoF 99.61% Payments – PIS 99.61% payments-VRP 99.61% Products 99.61% Standing Orders – AIS 99.61% Standing Orders – PIS 99.61% Statements 99.91% Transactions 99.61% Santander UK plc Availability by Endpoint Category: March 2025 Account Requests – AIS 99.39% Account Requests – CoF 99.39% Accounts 99.39% Balances 99.39% Beneficiaries 99.39% Direct Debits 99.39% Payments – AIS 100.0% Payments – CoF 99.39% Payments – PIS 99.39% payments-VRP 99.39% Products 99.39% Standing Orders – AIS 99.39% Standing Orders – PIS 99.39% Statements 99.39% Transactions 99.39% UBN Availability by Endpoint Category: March 2025 Account Requests – AIS 99.58% Account Requests – CoF 99.59% Accounts 99.58% Balances 99.58% Beneficiaries 99.58% Direct Debits 99.58% Payments – AIS 99.58% Payments – CoF 99.59% Payments – PIS 99.59% payments-VRP 99.59% Products 99.58% Standing Orders – AIS 99.58% Standing Orders – PIS 99.59% Statements 99.86% Transactions 99.58% Average API availability – weighted Average API availability by brand – weighted Core hours by brand (06:00 – 0:00) – weighted Non core hours by brand (00:00 – 6:00) – weighted AIS availability by brand – weighted PIS availability by brand – weighted API availability by category – weighted March 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. Average weighted API availability 99.55% Core hours (06:00-00:00) 99.80% Non core hours (00:00-06:00) 98.86% March 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. March 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 March. March 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 March. March 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. March 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. March 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 Coutts 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: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: March 2025 Account Requests – AIS 97.85% Account Requests – CoF 98.36% Accounts 97.85% Balances 97.85% Payments – AIS 97.85% Payments – CoF 97.85% Payments – PIS 97.85% payments-VRP 98.46% Products 97.85% Standing Orders – AIS 97.85% Standing Orders – PIS 97.85% Statements 97.87% Transactions 97.85% Bank of Scotland Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.72% Balances 99.71% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% Barclays Availability by Endpoint Category: March 2025 Account Requests – AIS 99.82% Account Requests – CoF 99.82% Accounts 99.82% Balances 99.82% Beneficiaries 99.82% Direct Debits 99.82% Payments – AIS 99.82% Payments – CoF 99.82% Payments – PIS 99.82% payments-VRP 99.82% Products 99.82% Standing Orders – AIS 99.82% Standing Orders – PIS 99.82% Statements 99.82% Transactions 99.82% Coutts Availability by Endpoint Category: March 2025 Account Requests – AIS 98.92% Account Requests – CoF 99.1% Accounts 98.12% Balances 98.12% Beneficiaries 98.79% Direct Debits 99.1% Payments – CoF 98.92% Payments – PIS 98.93% Products 98.92% Standing Orders – AIS 98.79% Standing Orders – PIS 98.93% Transactions 98.12% Danske Bank Availability by Endpoint Category: March 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% Transactions 100.0% First Direct Availability by Endpoint Category: March 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: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.71% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.7% HSBC Business Availability by Endpoint Category: March 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: March 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: March 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: March 2025 Account Requests – AIS 99.71% Account Requests – CoF 99.72% Accounts 99.68% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.68% MBNA Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Accounts 99.72% Balances 99.57% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Products 99.72% Standing Orders – AIS 99.72% Statements 99.72% Transactions 99.71% Mettle Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: March 2025 Account Requests – AIS 98.07% Account Requests – CoF 97.97% Accounts 97.32% Balances 98.07% Beneficiaries 98.07% Direct Debits 98.07% Payments – AIS 98.07% Payments – CoF 98.07% Payments – PIS 97.29% payments-VRP 97.3% Products 98.07% Standing Orders – AIS 98.07% Standing Orders – PIS 97.3% Statements 99.98% Transactions 97.82% NWB Availability by Endpoint Category: March 2025 Account Requests – AIS 99.64% Account Requests – CoF 99.64% Accounts 99.64% Balances 99.64% Beneficiaries 99.64% Direct Debits 99.64% Payments – AIS 99.94% Payments – CoF 99.64% Payments – PIS 99.64% payments-VRP 99.64% Products 99.64% Standing Orders – AIS 99.64% Standing Orders – PIS 99.75% Statements 99.64% Transactions 99.64% RBS Availability by Endpoint Category: March 2025 Account Requests – AIS 99.61% Account Requests – CoF 99.62% Accounts 99.61% Balances 99.61% Beneficiaries 99.61% Direct Debits 99.61% Payments – AIS 99.61% Payments – CoF 99.61% Payments – PIS 99.61% payments-VRP 99.61% Products 99.61% Standing Orders – AIS 99.61% Standing Orders – PIS 99.66% Statements 99.91% Transactions 99.61% Santander UK plc Availability by Endpoint Category: March 2025 Account Requests – AIS 99.39% Account Requests – CoF 99.39% Accounts 99.39% Balances 99.39% Beneficiaries 99.39% Direct Debits 99.39% Payments – CoF 99.39% Payments – PIS 99.39% payments-VRP 99.39% Products 99.39% Standing Orders – AIS 99.39% Standing Orders – PIS 99.39% Statements 99.39% Transactions 99.39% UBN Availability by Endpoint Category: March 2025 Account Requests – AIS 99.58% Account Requests – CoF 99.6% Accounts 99.58% Balances 99.58% Beneficiaries 99.58% Direct Debits 99.58% Payments – AIS 99.58% Payments – CoF 99.59% Payments – PIS 99.59% payments-VRP 99.62% Products 99.58% Standing Orders – AIS 99.58% Standing Orders – PIS 99.59% Statements 99.86% Transactions 99.58% Average API response times Average API response times by brand Response times by brand March 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in March. Average API Response Time 351 milliseconds March 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in March. March 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 Coutts 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): March 2025 Account Requests – AIS 135ms Accounts 88ms Balances 57ms Direct Debits 1,845ms Payments – CoF 195ms Payments – PIS 83ms payments-VRP 237ms Products 442ms Standing Orders – AIS 1,060ms Standing Orders – PIS 86ms Transactions 66ms AIB Group (UK) p.l.c. Response times (milliseconds): March 2025 Account Requests – AIS 115ms Accounts 66ms Balances 37ms Direct Debits 631ms Payments – CoF 161ms Payments – PIS 74ms payments-VRP 814ms Products 484ms Standing Orders – AIS 254ms Standing Orders – PIS 74ms Transactions 45ms Bank of Ireland UK Response times (milliseconds): March 2025 Account Requests – AIS 174ms Account Requests – CoF 1,530ms Accounts 333ms Balances 362ms Payments – AIS 630ms Payments – CoF 492ms Payments – PIS 820ms payments-VRP 1,315ms Products 660ms Standing Orders – AIS 748ms Standing Orders – PIS 604ms Statements 625ms Transactions 395ms Bank of Scotland Response times (milliseconds): March 2025 Account Requests – AIS 276ms Account Requests – CoF 267ms Accounts 175ms Balances 195ms Beneficiaries 305ms Direct Debits 255ms Payments – AIS 235ms Payments – CoF 251ms Payments – PIS 521ms payments-VRP 400ms Products 445ms Standing Orders – AIS 230ms Standing Orders – PIS 617ms Statements 409ms Transactions 271ms Barclays Response times (milliseconds): March 2025 Account Requests – AIS 106ms Account Requests – CoF 177ms Accounts 141ms Balances 203ms Beneficiaries 137ms Direct Debits 211ms Payments – AIS 292ms Payments – CoF 265ms Payments – PIS 214ms payments-VRP 270ms Products 353ms Standing Orders – AIS 224ms Standing Orders – PIS 165ms Statements 22ms Transactions 260ms Coutts Response times (milliseconds): March 2025 Account Requests – AIS 867ms Account Requests – CoF 717ms Accounts 253ms Balances 269ms Beneficiaries 2,086ms Direct Debits 1,007ms Payments – CoF 366ms Payments – PIS 852ms Products 263ms Standing Orders – AIS 269ms Standing Orders – PIS 790ms Transactions 299ms Danske Bank Response times (milliseconds): March 2025 Account Requests – AIS 44ms Account Requests – CoF 2,185ms Accounts 427ms Balances 179ms Beneficiaries 172ms Direct Debits 328ms Payments – AIS 264ms Payments – CoF 84ms Payments – PIS 64ms payments-VRP 111ms Products 121ms Standing Orders – AIS 309ms Standing Orders – PIS 76ms Transactions 562ms First Direct Response times (milliseconds): March 2025 Account Requests – AIS 138ms Account Requests – CoF 289ms Accounts 312ms Balances 360ms Beneficiaries 429ms Direct Debits 409ms Payments – AIS 596ms Payments – CoF 384ms Payments – PIS 302ms payments-VRP 297ms Products 680ms Standing Orders – AIS 595ms Standing Orders – PIS 326ms Statements 509ms Transactions 531ms Halifax Response times (milliseconds): March 2025 Account Requests – AIS 277ms Account Requests – CoF 265ms Accounts 175ms Balances 197ms Beneficiaries 286ms Direct Debits 254ms Payments – AIS 234ms Payments – CoF 251ms Payments – PIS 574ms payments-VRP 399ms Products 444ms Standing Orders – AIS 229ms Standing Orders – PIS 552ms Statements 402ms Transactions 281ms HSBC Business Response times (milliseconds): March 2025 Account Requests – AIS 171ms Account Requests – CoF 323ms Accounts 422ms Balances 395ms Beneficiaries 334ms Direct Debits 658ms Payments – AIS 147ms Payments – CoF 610ms Payments – PIS 490ms payments-VRP 377ms Products 742ms Standing Orders – AIS 163ms Standing Orders – PIS 333ms Statements 1,182ms Transactions 542ms HSBC Kinetic Response times (milliseconds): March 2025 Account Requests – AIS 138ms Account Requests – CoF 260ms Accounts 393ms Balances 412ms Beneficiaries 296ms Direct Debits 810ms Payments – AIS 405ms Payments – CoF 471ms Payments – PIS 282ms payments-VRP 351ms Products 1,113ms Standing Orders – AIS 704ms Standing Orders – PIS 220ms Statements 1,934ms Transactions 524ms HSBC Personal Response times (milliseconds): March 2025 Account Requests – AIS 140ms Account Requests – CoF 258ms Accounts 317ms Balances 364ms Beneficiaries 500ms Direct Debits 413ms Payments – AIS 629ms Payments – CoF 385ms Payments – PIS 262ms payments-VRP 297ms Products 676ms Standing Orders – AIS 658ms Standing Orders – PIS 309ms Statements 243ms Transactions 535ms Lloyds Response times (milliseconds): March 2025 Account Requests – AIS 277ms Account Requests – CoF 266ms Accounts 175ms Balances 194ms Beneficiaries 297ms Direct Debits 254ms Payments – AIS 235ms Payments – CoF 249ms Payments – PIS 575ms payments-VRP 397ms Products 443ms Standing Orders – AIS 229ms Standing Orders – PIS 520ms Statements 474ms Transactions 268ms MBNA Response times (milliseconds): March 2025 Account Requests – AIS 281ms Accounts 246ms Balances 307ms Beneficiaries 281ms Direct Debits 188ms Payments – AIS 192ms Products 189ms Standing Orders – AIS 188ms Statements 352ms Transactions 400ms Mettle Response times (milliseconds): March 2025 Account Requests – AIS 66ms Account Requests – CoF 136ms Accounts 75ms Balances 59ms Beneficiaries 43ms Direct Debits 102ms Payments – AIS 52ms Payments – PIS 97ms payments-VRP 142ms Products 86ms Standing Orders – AIS 6ms Statements 90ms Transactions 78ms Nationwide Building Society Response times (milliseconds): March 2025 Account Requests – AIS 134ms Account Requests – CoF 227ms Accounts 183ms Balances 219ms Beneficiaries 404ms Direct Debits 544ms Payments – AIS 258ms Payments – CoF 220ms Payments – PIS 354ms payments-VRP 261ms Products 183ms Standing Orders – AIS 182ms Standing Orders – PIS 333ms Statements 357ms Transactions 212ms NWB Response times (milliseconds): March 2025 Account Requests – AIS 158ms Account Requests – CoF 371ms Accounts 386ms Balances 328ms Beneficiaries 665ms Direct Debits 248ms Payments – AIS 253ms Payments – CoF 215ms Payments – PIS 350ms payments-VRP 424ms Products 267ms Standing Orders – AIS 340ms Standing Orders – PIS 296ms Statements 181ms Transactions 467ms RBS Response times (milliseconds): March 2025 Account Requests – AIS 171ms Account Requests – CoF 413ms Accounts 396ms Balances 343ms Beneficiaries 671ms Direct Debits 270ms Payments – AIS 298ms Payments – CoF 230ms Payments – PIS 392ms payments-VRP 481ms Products 267ms Standing Orders – AIS 384ms Standing Orders – PIS 338ms Statements 184ms Transactions 438ms Santander UK plc Response times (milliseconds): March 2025 Account Requests – AIS 459ms Account Requests – CoF 510ms Accounts 604ms Balances 612ms Beneficiaries 825ms Direct Debits 693ms Payments – CoF 572ms Payments – PIS 793ms payments-VRP 414ms Products 541ms Standing Orders – AIS 673ms Standing Orders – PIS 913ms Statements 600ms Transactions 697ms UBN Response times (milliseconds): March 2025 Account Requests – AIS 173ms Account Requests – CoF 503ms Accounts 423ms Balances 332ms Beneficiaries 601ms Direct Debits 292ms Payments – AIS 302ms Payments – CoF 256ms Payments – PIS 405ms payments-VRP 595ms Products 267ms Standing Orders – AIS 289ms Standing Orders – PIS 361ms Transactions 406ms Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand March 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. Successful API calls Total calls 1,990,052,545 % of overall total calls 99.37% AIS Total calls 1,614,205,269 % of overall total calls 80.60% PIS Total calls 112,394,467 % of overall total calls 5.61% March 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. March 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. March 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. March 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 March. Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand March 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. Failed API Calls Total calls 12,658,659 % of overall total calls 0.63% Business Total calls 8,067,056 % of overall total calls 0.40% Technical Total calls 4,591,603 % of overall total calls 0.23% 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. March 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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 March 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. Rejected API Calls Total calls 2,667,247 % of overall total calls 0.133% 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. March 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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.
March key performance metrics 99.48% Average API availability – unweighted 351ms Average API response time 99.37% Successful API calls (%) 99.55% Average API availability – weighted 1990.1m Successful API calls (actual) 0.63% 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 March 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. Average API availability 99.49% Core hours (06:00-00:00) 99.73% Non core hours (00:00-06:00) 98.74% 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. March 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 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 March. 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. March 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 March. 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. March 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 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 Coutts 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: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: March 2025 Account Requests – AIS 97.85% Account Requests – CoF 97.85% Accounts 97.85% Balances 97.85% Beneficiaries 100.0% Payments – AIS 97.85% Payments – CoF 97.85% Payments – PIS 97.85% payments-VRP 97.85% Products 97.85% Standing Orders – AIS 97.85% Standing Orders – PIS 97.85% Statements 97.85% Transactions 97.85% Bank of Scotland Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.72% Balances 99.71% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% Barclays Availability by Endpoint Category: March 2025 Account Requests – AIS 99.82% Account Requests – CoF 99.82% Accounts 99.82% Balances 99.82% Beneficiaries 99.82% Direct Debits 99.82% Payments – AIS 99.82% Payments – CoF 99.82% Payments – PIS 99.82% payments-VRP 99.82% Products 99.82% Standing Orders – AIS 99.82% Standing Orders – PIS 99.82% Statements 99.82% Transactions 99.82% Coutts Availability by Endpoint Category: March 2025 Account Requests – AIS 98.92% Account Requests – CoF 99.1% Accounts 98.12% Balances 98.12% Beneficiaries 98.79% Direct Debits 99.1% Payments – CoF 98.92% Payments – PIS 98.92% Products 98.92% Standing Orders – AIS 98.79% Standing Orders – PIS 98.92% Transactions 98.12% Danske Bank Availability by Endpoint Category: March 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% Transactions 100.0% First Direct Availability by Endpoint Category: March 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: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.7% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.71% payments-VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.7% HSBC Business Availability by Endpoint Category: March 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: March 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: March 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: March 2025 Account Requests – AIS 99.71% Account Requests – CoF 99.72% Accounts 99.67% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.71% payments-VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.68% MBNA Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 100.0% Accounts 99.72% Balances 99.57% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 100.0% Statements 99.72% Transactions 99.71% Mettle Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: March 2025 Account Requests – AIS 98.07% Account Requests – CoF 97.96% Accounts 97.32% Balances 98.07% Beneficiaries 98.07% Direct Debits 98.07% Payments – AIS 98.07% Payments – CoF 98.07% Payments – PIS 97.27% payments-VRP 97.3% Products 98.07% Standing Orders – AIS 98.07% Standing Orders – PIS 97.3% Statements 99.98% Transactions 97.82% NWB Availability by Endpoint Category: March 2025 Account Requests – AIS 99.64% Account Requests – CoF 99.64% Accounts 99.64% Balances 99.64% Beneficiaries 99.64% Direct Debits 99.64% Payments – AIS 99.94% Payments – CoF 99.64% Payments – PIS 99.64% payments-VRP 99.64% Products 99.64% Standing Orders – AIS 99.64% Standing Orders – PIS 99.64% Statements 99.64% Transactions 99.64% RBS Availability by Endpoint Category: March 2025 Account Requests – AIS 99.61% Account Requests – CoF 99.61% Accounts 99.61% Balances 99.61% Beneficiaries 99.61% Direct Debits 99.61% Payments – AIS 99.61% Payments – CoF 99.61% Payments – PIS 99.61% payments-VRP 99.61% Products 99.61% Standing Orders – AIS 99.61% Standing Orders – PIS 99.61% Statements 99.91% Transactions 99.61% Santander UK plc Availability by Endpoint Category: March 2025 Account Requests – AIS 99.39% Account Requests – CoF 99.39% Accounts 99.39% Balances 99.39% Beneficiaries 99.39% Direct Debits 99.39% Payments – AIS 100.0% Payments – CoF 99.39% Payments – PIS 99.39% payments-VRP 99.39% Products 99.39% Standing Orders – AIS 99.39% Standing Orders – PIS 99.39% Statements 99.39% Transactions 99.39% UBN Availability by Endpoint Category: March 2025 Account Requests – AIS 99.58% Account Requests – CoF 99.59% Accounts 99.58% Balances 99.58% Beneficiaries 99.58% Direct Debits 99.58% Payments – AIS 99.58% Payments – CoF 99.59% Payments – PIS 99.59% payments-VRP 99.59% Products 99.58% Standing Orders – AIS 99.58% Standing Orders – PIS 99.59% Statements 99.86% Transactions 99.58%
March 2025 Average API availability – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. Average API availability 99.49% Core hours (06:00-00:00) 99.73% Non core hours (00:00-06:00) 98.74% 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.
March 2025 Average API availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. 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.
March 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 March. 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.
March 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 March. 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.
March 2025 AIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. 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.
March 2025 PIS availability by brand – unweighted This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. 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.
March 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 Coutts 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: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: March 2025 Account Requests – AIS 97.85% Account Requests – CoF 97.85% Accounts 97.85% Balances 97.85% Beneficiaries 100.0% Payments – AIS 97.85% Payments – CoF 97.85% Payments – PIS 97.85% payments-VRP 97.85% Products 97.85% Standing Orders – AIS 97.85% Standing Orders – PIS 97.85% Statements 97.85% Transactions 97.85% Bank of Scotland Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.72% Balances 99.71% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% Barclays Availability by Endpoint Category: March 2025 Account Requests – AIS 99.82% Account Requests – CoF 99.82% Accounts 99.82% Balances 99.82% Beneficiaries 99.82% Direct Debits 99.82% Payments – AIS 99.82% Payments – CoF 99.82% Payments – PIS 99.82% payments-VRP 99.82% Products 99.82% Standing Orders – AIS 99.82% Standing Orders – PIS 99.82% Statements 99.82% Transactions 99.82% Coutts Availability by Endpoint Category: March 2025 Account Requests – AIS 98.92% Account Requests – CoF 99.1% Accounts 98.12% Balances 98.12% Beneficiaries 98.79% Direct Debits 99.1% Payments – CoF 98.92% Payments – PIS 98.92% Products 98.92% Standing Orders – AIS 98.79% Standing Orders – PIS 98.92% Transactions 98.12% Danske Bank Availability by Endpoint Category: March 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% Transactions 100.0% First Direct Availability by Endpoint Category: March 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: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.7% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.71% payments-VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.7% HSBC Business Availability by Endpoint Category: March 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: March 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: March 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: March 2025 Account Requests – AIS 99.71% Account Requests – CoF 99.72% Accounts 99.67% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.71% payments-VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.68% MBNA Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 100.0% Accounts 99.72% Balances 99.57% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 100.0% Statements 99.72% Transactions 99.71% Mettle Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: March 2025 Account Requests – AIS 98.07% Account Requests – CoF 97.96% Accounts 97.32% Balances 98.07% Beneficiaries 98.07% Direct Debits 98.07% Payments – AIS 98.07% Payments – CoF 98.07% Payments – PIS 97.27% payments-VRP 97.3% Products 98.07% Standing Orders – AIS 98.07% Standing Orders – PIS 97.3% Statements 99.98% Transactions 97.82% NWB Availability by Endpoint Category: March 2025 Account Requests – AIS 99.64% Account Requests – CoF 99.64% Accounts 99.64% Balances 99.64% Beneficiaries 99.64% Direct Debits 99.64% Payments – AIS 99.94% Payments – CoF 99.64% Payments – PIS 99.64% payments-VRP 99.64% Products 99.64% Standing Orders – AIS 99.64% Standing Orders – PIS 99.64% Statements 99.64% Transactions 99.64% RBS Availability by Endpoint Category: March 2025 Account Requests – AIS 99.61% Account Requests – CoF 99.61% Accounts 99.61% Balances 99.61% Beneficiaries 99.61% Direct Debits 99.61% Payments – AIS 99.61% Payments – CoF 99.61% Payments – PIS 99.61% payments-VRP 99.61% Products 99.61% Standing Orders – AIS 99.61% Standing Orders – PIS 99.61% Statements 99.91% Transactions 99.61% Santander UK plc Availability by Endpoint Category: March 2025 Account Requests – AIS 99.39% Account Requests – CoF 99.39% Accounts 99.39% Balances 99.39% Beneficiaries 99.39% Direct Debits 99.39% Payments – AIS 100.0% Payments – CoF 99.39% Payments – PIS 99.39% payments-VRP 99.39% Products 99.39% Standing Orders – AIS 99.39% Standing Orders – PIS 99.39% Statements 99.39% Transactions 99.39% UBN Availability by Endpoint Category: March 2025 Account Requests – AIS 99.58% Account Requests – CoF 99.59% Accounts 99.58% Balances 99.58% Beneficiaries 99.58% Direct Debits 99.58% Payments – AIS 99.58% Payments – CoF 99.59% Payments – PIS 99.59% payments-VRP 99.59% Products 99.58% Standing Orders – AIS 99.58% Standing Orders – PIS 99.59% Statements 99.86% Transactions 99.58%
Average API availability – weighted Average API availability by brand – weighted Core hours by brand (06:00 – 0:00) – weighted Non core hours by brand (00:00 – 6:00) – weighted AIS availability by brand – weighted PIS availability by brand – weighted API availability by category – weighted March 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. Average weighted API availability 99.55% Core hours (06:00-00:00) 99.80% Non core hours (00:00-06:00) 98.86% March 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. March 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 March. March 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 March. March 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. March 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. March 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 Coutts 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: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: March 2025 Account Requests – AIS 97.85% Account Requests – CoF 98.36% Accounts 97.85% Balances 97.85% Payments – AIS 97.85% Payments – CoF 97.85% Payments – PIS 97.85% payments-VRP 98.46% Products 97.85% Standing Orders – AIS 97.85% Standing Orders – PIS 97.85% Statements 97.87% Transactions 97.85% Bank of Scotland Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.72% Balances 99.71% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% Barclays Availability by Endpoint Category: March 2025 Account Requests – AIS 99.82% Account Requests – CoF 99.82% Accounts 99.82% Balances 99.82% Beneficiaries 99.82% Direct Debits 99.82% Payments – AIS 99.82% Payments – CoF 99.82% Payments – PIS 99.82% payments-VRP 99.82% Products 99.82% Standing Orders – AIS 99.82% Standing Orders – PIS 99.82% Statements 99.82% Transactions 99.82% Coutts Availability by Endpoint Category: March 2025 Account Requests – AIS 98.92% Account Requests – CoF 99.1% Accounts 98.12% Balances 98.12% Beneficiaries 98.79% Direct Debits 99.1% Payments – CoF 98.92% Payments – PIS 98.93% Products 98.92% Standing Orders – AIS 98.79% Standing Orders – PIS 98.93% Transactions 98.12% Danske Bank Availability by Endpoint Category: March 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% Transactions 100.0% First Direct Availability by Endpoint Category: March 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: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.71% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.7% HSBC Business Availability by Endpoint Category: March 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: March 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: March 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: March 2025 Account Requests – AIS 99.71% Account Requests – CoF 99.72% Accounts 99.68% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.68% MBNA Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Accounts 99.72% Balances 99.57% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Products 99.72% Standing Orders – AIS 99.72% Statements 99.72% Transactions 99.71% Mettle Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: March 2025 Account Requests – AIS 98.07% Account Requests – CoF 97.97% Accounts 97.32% Balances 98.07% Beneficiaries 98.07% Direct Debits 98.07% Payments – AIS 98.07% Payments – CoF 98.07% Payments – PIS 97.29% payments-VRP 97.3% Products 98.07% Standing Orders – AIS 98.07% Standing Orders – PIS 97.3% Statements 99.98% Transactions 97.82% NWB Availability by Endpoint Category: March 2025 Account Requests – AIS 99.64% Account Requests – CoF 99.64% Accounts 99.64% Balances 99.64% Beneficiaries 99.64% Direct Debits 99.64% Payments – AIS 99.94% Payments – CoF 99.64% Payments – PIS 99.64% payments-VRP 99.64% Products 99.64% Standing Orders – AIS 99.64% Standing Orders – PIS 99.75% Statements 99.64% Transactions 99.64% RBS Availability by Endpoint Category: March 2025 Account Requests – AIS 99.61% Account Requests – CoF 99.62% Accounts 99.61% Balances 99.61% Beneficiaries 99.61% Direct Debits 99.61% Payments – AIS 99.61% Payments – CoF 99.61% Payments – PIS 99.61% payments-VRP 99.61% Products 99.61% Standing Orders – AIS 99.61% Standing Orders – PIS 99.66% Statements 99.91% Transactions 99.61% Santander UK plc Availability by Endpoint Category: March 2025 Account Requests – AIS 99.39% Account Requests – CoF 99.39% Accounts 99.39% Balances 99.39% Beneficiaries 99.39% Direct Debits 99.39% Payments – CoF 99.39% Payments – PIS 99.39% payments-VRP 99.39% Products 99.39% Standing Orders – AIS 99.39% Standing Orders – PIS 99.39% Statements 99.39% Transactions 99.39% UBN Availability by Endpoint Category: March 2025 Account Requests – AIS 99.58% Account Requests – CoF 99.6% Accounts 99.58% Balances 99.58% Beneficiaries 99.58% Direct Debits 99.58% Payments – AIS 99.58% Payments – CoF 99.59% Payments – PIS 99.59% payments-VRP 99.62% Products 99.58% Standing Orders – AIS 99.58% Standing Orders – PIS 99.59% Statements 99.86% Transactions 99.58%
March 2025 Average API availability – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March. Average weighted API availability 99.55% Core hours (06:00-00:00) 99.80% Non core hours (00:00-06:00) 98.86%
March 2025 Average API availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March.
March 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 March.
March 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 March.
March 2025 AIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March.
March 2025 PIS availability by brand – weighted This chart shows the weighted average availability of the account providers’ (ASPSPs)* Open Banking APIs in March.
March 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 Coutts 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: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% AIB Group (UK) p.l.c. Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Accounts 100.0% Balances 100.0% Direct Debits 100.0% Payments – CoF 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Standing Orders – PIS 100.0% Transactions 100.0% Bank of Ireland UK Availability by Endpoint Category: March 2025 Account Requests – AIS 97.85% Account Requests – CoF 98.36% Accounts 97.85% Balances 97.85% Payments – AIS 97.85% Payments – CoF 97.85% Payments – PIS 97.85% payments-VRP 98.46% Products 97.85% Standing Orders – AIS 97.85% Standing Orders – PIS 97.85% Statements 97.87% Transactions 97.85% Bank of Scotland Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.72% Balances 99.71% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.72% Barclays Availability by Endpoint Category: March 2025 Account Requests – AIS 99.82% Account Requests – CoF 99.82% Accounts 99.82% Balances 99.82% Beneficiaries 99.82% Direct Debits 99.82% Payments – AIS 99.82% Payments – CoF 99.82% Payments – PIS 99.82% payments-VRP 99.82% Products 99.82% Standing Orders – AIS 99.82% Standing Orders – PIS 99.82% Statements 99.82% Transactions 99.82% Coutts Availability by Endpoint Category: March 2025 Account Requests – AIS 98.92% Account Requests – CoF 99.1% Accounts 98.12% Balances 98.12% Beneficiaries 98.79% Direct Debits 99.1% Payments – CoF 98.92% Payments – PIS 98.93% Products 98.92% Standing Orders – AIS 98.79% Standing Orders – PIS 98.93% Transactions 98.12% Danske Bank Availability by Endpoint Category: March 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% Transactions 100.0% First Direct Availability by Endpoint Category: March 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: March 2025 Account Requests – AIS 99.72% Account Requests – CoF 99.72% Accounts 99.71% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.72% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.7% HSBC Business Availability by Endpoint Category: March 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: March 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: March 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: March 2025 Account Requests – AIS 99.71% Account Requests – CoF 99.72% Accounts 99.68% Balances 99.65% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Payments – CoF 99.72% Payments – PIS 99.72% payments-VRP 99.71% Products 99.72% Standing Orders – AIS 99.72% Standing Orders – PIS 99.72% Statements 99.72% Transactions 99.68% MBNA Availability by Endpoint Category: March 2025 Account Requests – AIS 99.72% Accounts 99.72% Balances 99.57% Beneficiaries 99.72% Direct Debits 99.72% Payments – AIS 99.72% Products 99.72% Standing Orders – AIS 99.72% Statements 99.72% Transactions 99.71% Mettle Availability by Endpoint Category: March 2025 Account Requests – AIS 100.0% Account Requests – CoF 100.0% Accounts 100.0% Balances 100.0% Beneficiaries 100.0% Direct Debits 100.0% Payments – AIS 100.0% Payments – PIS 100.0% payments-VRP 100.0% Products 100.0% Standing Orders – AIS 100.0% Statements 100.0% Transactions 100.0% Nationwide Building Society Availability by Endpoint Category: March 2025 Account Requests – AIS 98.07% Account Requests – CoF 97.97% Accounts 97.32% Balances 98.07% Beneficiaries 98.07% Direct Debits 98.07% Payments – AIS 98.07% Payments – CoF 98.07% Payments – PIS 97.29% payments-VRP 97.3% Products 98.07% Standing Orders – AIS 98.07% Standing Orders – PIS 97.3% Statements 99.98% Transactions 97.82% NWB Availability by Endpoint Category: March 2025 Account Requests – AIS 99.64% Account Requests – CoF 99.64% Accounts 99.64% Balances 99.64% Beneficiaries 99.64% Direct Debits 99.64% Payments – AIS 99.94% Payments – CoF 99.64% Payments – PIS 99.64% payments-VRP 99.64% Products 99.64% Standing Orders – AIS 99.64% Standing Orders – PIS 99.75% Statements 99.64% Transactions 99.64% RBS Availability by Endpoint Category: March 2025 Account Requests – AIS 99.61% Account Requests – CoF 99.62% Accounts 99.61% Balances 99.61% Beneficiaries 99.61% Direct Debits 99.61% Payments – AIS 99.61% Payments – CoF 99.61% Payments – PIS 99.61% payments-VRP 99.61% Products 99.61% Standing Orders – AIS 99.61% Standing Orders – PIS 99.66% Statements 99.91% Transactions 99.61% Santander UK plc Availability by Endpoint Category: March 2025 Account Requests – AIS 99.39% Account Requests – CoF 99.39% Accounts 99.39% Balances 99.39% Beneficiaries 99.39% Direct Debits 99.39% Payments – CoF 99.39% Payments – PIS 99.39% payments-VRP 99.39% Products 99.39% Standing Orders – AIS 99.39% Standing Orders – PIS 99.39% Statements 99.39% Transactions 99.39% UBN Availability by Endpoint Category: March 2025 Account Requests – AIS 99.58% Account Requests – CoF 99.6% Accounts 99.58% Balances 99.58% Beneficiaries 99.58% Direct Debits 99.58% Payments – AIS 99.58% Payments – CoF 99.59% Payments – PIS 99.59% payments-VRP 99.62% Products 99.58% Standing Orders – AIS 99.58% Standing Orders – PIS 99.59% Statements 99.86% Transactions 99.58%
Average API response times Average API response times by brand Response times by brand March 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in March. Average API Response Time 351 milliseconds March 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in March. March 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 Coutts 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): March 2025 Account Requests – AIS 135ms Accounts 88ms Balances 57ms Direct Debits 1,845ms Payments – CoF 195ms Payments – PIS 83ms payments-VRP 237ms Products 442ms Standing Orders – AIS 1,060ms Standing Orders – PIS 86ms Transactions 66ms AIB Group (UK) p.l.c. Response times (milliseconds): March 2025 Account Requests – AIS 115ms Accounts 66ms Balances 37ms Direct Debits 631ms Payments – CoF 161ms Payments – PIS 74ms payments-VRP 814ms Products 484ms Standing Orders – AIS 254ms Standing Orders – PIS 74ms Transactions 45ms Bank of Ireland UK Response times (milliseconds): March 2025 Account Requests – AIS 174ms Account Requests – CoF 1,530ms Accounts 333ms Balances 362ms Payments – AIS 630ms Payments – CoF 492ms Payments – PIS 820ms payments-VRP 1,315ms Products 660ms Standing Orders – AIS 748ms Standing Orders – PIS 604ms Statements 625ms Transactions 395ms Bank of Scotland Response times (milliseconds): March 2025 Account Requests – AIS 276ms Account Requests – CoF 267ms Accounts 175ms Balances 195ms Beneficiaries 305ms Direct Debits 255ms Payments – AIS 235ms Payments – CoF 251ms Payments – PIS 521ms payments-VRP 400ms Products 445ms Standing Orders – AIS 230ms Standing Orders – PIS 617ms Statements 409ms Transactions 271ms Barclays Response times (milliseconds): March 2025 Account Requests – AIS 106ms Account Requests – CoF 177ms Accounts 141ms Balances 203ms Beneficiaries 137ms Direct Debits 211ms Payments – AIS 292ms Payments – CoF 265ms Payments – PIS 214ms payments-VRP 270ms Products 353ms Standing Orders – AIS 224ms Standing Orders – PIS 165ms Statements 22ms Transactions 260ms Coutts Response times (milliseconds): March 2025 Account Requests – AIS 867ms Account Requests – CoF 717ms Accounts 253ms Balances 269ms Beneficiaries 2,086ms Direct Debits 1,007ms Payments – CoF 366ms Payments – PIS 852ms Products 263ms Standing Orders – AIS 269ms Standing Orders – PIS 790ms Transactions 299ms Danske Bank Response times (milliseconds): March 2025 Account Requests – AIS 44ms Account Requests – CoF 2,185ms Accounts 427ms Balances 179ms Beneficiaries 172ms Direct Debits 328ms Payments – AIS 264ms Payments – CoF 84ms Payments – PIS 64ms payments-VRP 111ms Products 121ms Standing Orders – AIS 309ms Standing Orders – PIS 76ms Transactions 562ms First Direct Response times (milliseconds): March 2025 Account Requests – AIS 138ms Account Requests – CoF 289ms Accounts 312ms Balances 360ms Beneficiaries 429ms Direct Debits 409ms Payments – AIS 596ms Payments – CoF 384ms Payments – PIS 302ms payments-VRP 297ms Products 680ms Standing Orders – AIS 595ms Standing Orders – PIS 326ms Statements 509ms Transactions 531ms Halifax Response times (milliseconds): March 2025 Account Requests – AIS 277ms Account Requests – CoF 265ms Accounts 175ms Balances 197ms Beneficiaries 286ms Direct Debits 254ms Payments – AIS 234ms Payments – CoF 251ms Payments – PIS 574ms payments-VRP 399ms Products 444ms Standing Orders – AIS 229ms Standing Orders – PIS 552ms Statements 402ms Transactions 281ms HSBC Business Response times (milliseconds): March 2025 Account Requests – AIS 171ms Account Requests – CoF 323ms Accounts 422ms Balances 395ms Beneficiaries 334ms Direct Debits 658ms Payments – AIS 147ms Payments – CoF 610ms Payments – PIS 490ms payments-VRP 377ms Products 742ms Standing Orders – AIS 163ms Standing Orders – PIS 333ms Statements 1,182ms Transactions 542ms HSBC Kinetic Response times (milliseconds): March 2025 Account Requests – AIS 138ms Account Requests – CoF 260ms Accounts 393ms Balances 412ms Beneficiaries 296ms Direct Debits 810ms Payments – AIS 405ms Payments – CoF 471ms Payments – PIS 282ms payments-VRP 351ms Products 1,113ms Standing Orders – AIS 704ms Standing Orders – PIS 220ms Statements 1,934ms Transactions 524ms HSBC Personal Response times (milliseconds): March 2025 Account Requests – AIS 140ms Account Requests – CoF 258ms Accounts 317ms Balances 364ms Beneficiaries 500ms Direct Debits 413ms Payments – AIS 629ms Payments – CoF 385ms Payments – PIS 262ms payments-VRP 297ms Products 676ms Standing Orders – AIS 658ms Standing Orders – PIS 309ms Statements 243ms Transactions 535ms Lloyds Response times (milliseconds): March 2025 Account Requests – AIS 277ms Account Requests – CoF 266ms Accounts 175ms Balances 194ms Beneficiaries 297ms Direct Debits 254ms Payments – AIS 235ms Payments – CoF 249ms Payments – PIS 575ms payments-VRP 397ms Products 443ms Standing Orders – AIS 229ms Standing Orders – PIS 520ms Statements 474ms Transactions 268ms MBNA Response times (milliseconds): March 2025 Account Requests – AIS 281ms Accounts 246ms Balances 307ms Beneficiaries 281ms Direct Debits 188ms Payments – AIS 192ms Products 189ms Standing Orders – AIS 188ms Statements 352ms Transactions 400ms Mettle Response times (milliseconds): March 2025 Account Requests – AIS 66ms Account Requests – CoF 136ms Accounts 75ms Balances 59ms Beneficiaries 43ms Direct Debits 102ms Payments – AIS 52ms Payments – PIS 97ms payments-VRP 142ms Products 86ms Standing Orders – AIS 6ms Statements 90ms Transactions 78ms Nationwide Building Society Response times (milliseconds): March 2025 Account Requests – AIS 134ms Account Requests – CoF 227ms Accounts 183ms Balances 219ms Beneficiaries 404ms Direct Debits 544ms Payments – AIS 258ms Payments – CoF 220ms Payments – PIS 354ms payments-VRP 261ms Products 183ms Standing Orders – AIS 182ms Standing Orders – PIS 333ms Statements 357ms Transactions 212ms NWB Response times (milliseconds): March 2025 Account Requests – AIS 158ms Account Requests – CoF 371ms Accounts 386ms Balances 328ms Beneficiaries 665ms Direct Debits 248ms Payments – AIS 253ms Payments – CoF 215ms Payments – PIS 350ms payments-VRP 424ms Products 267ms Standing Orders – AIS 340ms Standing Orders – PIS 296ms Statements 181ms Transactions 467ms RBS Response times (milliseconds): March 2025 Account Requests – AIS 171ms Account Requests – CoF 413ms Accounts 396ms Balances 343ms Beneficiaries 671ms Direct Debits 270ms Payments – AIS 298ms Payments – CoF 230ms Payments – PIS 392ms payments-VRP 481ms Products 267ms Standing Orders – AIS 384ms Standing Orders – PIS 338ms Statements 184ms Transactions 438ms Santander UK plc Response times (milliseconds): March 2025 Account Requests – AIS 459ms Account Requests – CoF 510ms Accounts 604ms Balances 612ms Beneficiaries 825ms Direct Debits 693ms Payments – CoF 572ms Payments – PIS 793ms payments-VRP 414ms Products 541ms Standing Orders – AIS 673ms Standing Orders – PIS 913ms Statements 600ms Transactions 697ms UBN Response times (milliseconds): March 2025 Account Requests – AIS 173ms Account Requests – CoF 503ms Accounts 423ms Balances 332ms Beneficiaries 601ms Direct Debits 292ms Payments – AIS 302ms Payments – CoF 256ms Payments – PIS 405ms payments-VRP 595ms Products 267ms Standing Orders – AIS 289ms Standing Orders – PIS 361ms Transactions 406ms
March 2025 Average API response times This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in March. Average API Response Time 351 milliseconds
March 2025 Average API response times by brand This chart shows the speed of the account providers’ (ASPSPs)* Open Banking APIs in March.
March 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 Coutts 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): March 2025 Account Requests – AIS 135ms Accounts 88ms Balances 57ms Direct Debits 1,845ms Payments – CoF 195ms Payments – PIS 83ms payments-VRP 237ms Products 442ms Standing Orders – AIS 1,060ms Standing Orders – PIS 86ms Transactions 66ms AIB Group (UK) p.l.c. Response times (milliseconds): March 2025 Account Requests – AIS 115ms Accounts 66ms Balances 37ms Direct Debits 631ms Payments – CoF 161ms Payments – PIS 74ms payments-VRP 814ms Products 484ms Standing Orders – AIS 254ms Standing Orders – PIS 74ms Transactions 45ms Bank of Ireland UK Response times (milliseconds): March 2025 Account Requests – AIS 174ms Account Requests – CoF 1,530ms Accounts 333ms Balances 362ms Payments – AIS 630ms Payments – CoF 492ms Payments – PIS 820ms payments-VRP 1,315ms Products 660ms Standing Orders – AIS 748ms Standing Orders – PIS 604ms Statements 625ms Transactions 395ms Bank of Scotland Response times (milliseconds): March 2025 Account Requests – AIS 276ms Account Requests – CoF 267ms Accounts 175ms Balances 195ms Beneficiaries 305ms Direct Debits 255ms Payments – AIS 235ms Payments – CoF 251ms Payments – PIS 521ms payments-VRP 400ms Products 445ms Standing Orders – AIS 230ms Standing Orders – PIS 617ms Statements 409ms Transactions 271ms Barclays Response times (milliseconds): March 2025 Account Requests – AIS 106ms Account Requests – CoF 177ms Accounts 141ms Balances 203ms Beneficiaries 137ms Direct Debits 211ms Payments – AIS 292ms Payments – CoF 265ms Payments – PIS 214ms payments-VRP 270ms Products 353ms Standing Orders – AIS 224ms Standing Orders – PIS 165ms Statements 22ms Transactions 260ms Coutts Response times (milliseconds): March 2025 Account Requests – AIS 867ms Account Requests – CoF 717ms Accounts 253ms Balances 269ms Beneficiaries 2,086ms Direct Debits 1,007ms Payments – CoF 366ms Payments – PIS 852ms Products 263ms Standing Orders – AIS 269ms Standing Orders – PIS 790ms Transactions 299ms Danske Bank Response times (milliseconds): March 2025 Account Requests – AIS 44ms Account Requests – CoF 2,185ms Accounts 427ms Balances 179ms Beneficiaries 172ms Direct Debits 328ms Payments – AIS 264ms Payments – CoF 84ms Payments – PIS 64ms payments-VRP 111ms Products 121ms Standing Orders – AIS 309ms Standing Orders – PIS 76ms Transactions 562ms First Direct Response times (milliseconds): March 2025 Account Requests – AIS 138ms Account Requests – CoF 289ms Accounts 312ms Balances 360ms Beneficiaries 429ms Direct Debits 409ms Payments – AIS 596ms Payments – CoF 384ms Payments – PIS 302ms payments-VRP 297ms Products 680ms Standing Orders – AIS 595ms Standing Orders – PIS 326ms Statements 509ms Transactions 531ms Halifax Response times (milliseconds): March 2025 Account Requests – AIS 277ms Account Requests – CoF 265ms Accounts 175ms Balances 197ms Beneficiaries 286ms Direct Debits 254ms Payments – AIS 234ms Payments – CoF 251ms Payments – PIS 574ms payments-VRP 399ms Products 444ms Standing Orders – AIS 229ms Standing Orders – PIS 552ms Statements 402ms Transactions 281ms HSBC Business Response times (milliseconds): March 2025 Account Requests – AIS 171ms Account Requests – CoF 323ms Accounts 422ms Balances 395ms Beneficiaries 334ms Direct Debits 658ms Payments – AIS 147ms Payments – CoF 610ms Payments – PIS 490ms payments-VRP 377ms Products 742ms Standing Orders – AIS 163ms Standing Orders – PIS 333ms Statements 1,182ms Transactions 542ms HSBC Kinetic Response times (milliseconds): March 2025 Account Requests – AIS 138ms Account Requests – CoF 260ms Accounts 393ms Balances 412ms Beneficiaries 296ms Direct Debits 810ms Payments – AIS 405ms Payments – CoF 471ms Payments – PIS 282ms payments-VRP 351ms Products 1,113ms Standing Orders – AIS 704ms Standing Orders – PIS 220ms Statements 1,934ms Transactions 524ms HSBC Personal Response times (milliseconds): March 2025 Account Requests – AIS 140ms Account Requests – CoF 258ms Accounts 317ms Balances 364ms Beneficiaries 500ms Direct Debits 413ms Payments – AIS 629ms Payments – CoF 385ms Payments – PIS 262ms payments-VRP 297ms Products 676ms Standing Orders – AIS 658ms Standing Orders – PIS 309ms Statements 243ms Transactions 535ms Lloyds Response times (milliseconds): March 2025 Account Requests – AIS 277ms Account Requests – CoF 266ms Accounts 175ms Balances 194ms Beneficiaries 297ms Direct Debits 254ms Payments – AIS 235ms Payments – CoF 249ms Payments – PIS 575ms payments-VRP 397ms Products 443ms Standing Orders – AIS 229ms Standing Orders – PIS 520ms Statements 474ms Transactions 268ms MBNA Response times (milliseconds): March 2025 Account Requests – AIS 281ms Accounts 246ms Balances 307ms Beneficiaries 281ms Direct Debits 188ms Payments – AIS 192ms Products 189ms Standing Orders – AIS 188ms Statements 352ms Transactions 400ms Mettle Response times (milliseconds): March 2025 Account Requests – AIS 66ms Account Requests – CoF 136ms Accounts 75ms Balances 59ms Beneficiaries 43ms Direct Debits 102ms Payments – AIS 52ms Payments – PIS 97ms payments-VRP 142ms Products 86ms Standing Orders – AIS 6ms Statements 90ms Transactions 78ms Nationwide Building Society Response times (milliseconds): March 2025 Account Requests – AIS 134ms Account Requests – CoF 227ms Accounts 183ms Balances 219ms Beneficiaries 404ms Direct Debits 544ms Payments – AIS 258ms Payments – CoF 220ms Payments – PIS 354ms payments-VRP 261ms Products 183ms Standing Orders – AIS 182ms Standing Orders – PIS 333ms Statements 357ms Transactions 212ms NWB Response times (milliseconds): March 2025 Account Requests – AIS 158ms Account Requests – CoF 371ms Accounts 386ms Balances 328ms Beneficiaries 665ms Direct Debits 248ms Payments – AIS 253ms Payments – CoF 215ms Payments – PIS 350ms payments-VRP 424ms Products 267ms Standing Orders – AIS 340ms Standing Orders – PIS 296ms Statements 181ms Transactions 467ms RBS Response times (milliseconds): March 2025 Account Requests – AIS 171ms Account Requests – CoF 413ms Accounts 396ms Balances 343ms Beneficiaries 671ms Direct Debits 270ms Payments – AIS 298ms Payments – CoF 230ms Payments – PIS 392ms payments-VRP 481ms Products 267ms Standing Orders – AIS 384ms Standing Orders – PIS 338ms Statements 184ms Transactions 438ms Santander UK plc Response times (milliseconds): March 2025 Account Requests – AIS 459ms Account Requests – CoF 510ms Accounts 604ms Balances 612ms Beneficiaries 825ms Direct Debits 693ms Payments – CoF 572ms Payments – PIS 793ms payments-VRP 414ms Products 541ms Standing Orders – AIS 673ms Standing Orders – PIS 913ms Statements 600ms Transactions 697ms UBN Response times (milliseconds): March 2025 Account Requests – AIS 173ms Account Requests – CoF 503ms Accounts 423ms Balances 332ms Beneficiaries 601ms Direct Debits 292ms Payments – AIS 302ms Payments – CoF 256ms Payments – PIS 405ms payments-VRP 595ms Products 267ms Standing Orders – AIS 289ms Standing Orders – PIS 361ms Transactions 406ms
Successful API calls Successful API calls by brand Successful AIS calls by brand Successful PIS calls by brand Successful payment initiation requests by brand March 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. Successful API calls Total calls 1,990,052,545 % of overall total calls 99.37% AIS Total calls 1,614,205,269 % of overall total calls 80.60% PIS Total calls 112,394,467 % of overall total calls 5.61% March 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. March 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. March 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. March 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 March.
March 2025 Successful API calls This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. Successful API calls Total calls 1,990,052,545 % of overall total calls 99.37% AIS Total calls 1,614,205,269 % of overall total calls 80.60% PIS Total calls 112,394,467 % of overall total calls 5.61%
March 2025 Successful API calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March.
March 2025 Successful AIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March.
March 2025 Successful PIS calls by brand This chart shows the number of successful API calls made to account providers’ (ASPSPs)* Open Banking APIs in March.
March 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 March.
Failed API calls Failed API calls by brand Failed business calls by brand Failed technical calls by brand March 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. Failed API Calls Total calls 12,658,659 % of overall total calls 0.63% Business Total calls 8,067,056 % of overall total calls 0.40% Technical Total calls 4,591,603 % of overall total calls 0.23% 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. March 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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. March 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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.
March 2025 Failed API calls This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. Failed API Calls Total calls 12,658,659 % of overall total calls 0.63% Business Total calls 8,067,056 % of overall total calls 0.40% Technical Total calls 4,591,603 % of overall total calls 0.23% 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.
March 2025 Failed API calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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.
March 2025 Failed business calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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.
March 2025 Failed technical calls by brand This chart shows the number of failed API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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 March 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. Rejected API Calls Total calls 2,667,247 % of overall total calls 0.133% 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. March 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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.
March 2025 Rejected API calls This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. Rejected API Calls Total calls 2,667,247 % of overall total calls 0.133% 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.
March 2025 Rejected API calls by brand This chart shows the number of rejected API calls made to account providers’ (ASPSPs)* Open Banking APIs in March. 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.