API Performance Stats

Average API availability – unweighted

This chart shows the unweighted average availability of the account providers’ (ASPSPs)* Open Banking APIs.

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.

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

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’ chart

Since 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

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) 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 – 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) 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 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) 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

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

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

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.