The Open Banking Standard

Enabling customers and SMEs to share their current account information securely with third party providers, promoting innovation and inclusion in a new financial ecosystem.

This Standard has activated a fintech renaissance in the UK, and inspired similar iniatives all over the world. It opens secure connections between apps and banks to enable innovation across financial services and ecommerce. Customers have gained control of their transaction data, and benefit from low friction, high security, financial interactions.

Open Banking Specification

API Specifications

Technical documentation, swagger files and usage for:

  • Read/write API
  • Open Data API
  • Directory
  • Dynamic Client Registration
  • MI Reporting

Security Profiles

These profiles have been developed together with the Open ID Foundation and cover third party onboarding, redirect and decoupled flows.

Open Banking Guidelines

Customer Experience Guidelines

Bringing together regulatory requirements and extensive customer research to help third party providers and account providers deliver a consistent customer experience and avoid unnecessary friction as required under PSD2.

Operational Guidelines

Supporting account providers to implement high-performance interfaces and assist them in their regulatory obligations, design and testing, problem resolution, and management information.


The certification service can be used by account providers as evidence of conformance to the Standard when they request an exemption from the contingency mechanism with their competent authority.

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Get started with the open banking standards

This guidance explains the categorisation of requirements for account providers and third party providers implementing any part of the Standard. This guidance should be read before referencing the Standards documents.

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