UK Open Banking

name: UK Open Banking
description: UK Open Banking standard with REST APIs for account and transaction data, payment initiation, variable recurring payments, and confirmation of funds for regulated financial services. Governed by the Open Banking Implementation Entity (OBIE) and overseen by the FCA and PSR under PSD2 and the CMA Order.
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
url: https://raw.githubusercontent.com/api-evangelist/open-banking-uk/refs/heads/main/apis.yml
version: "0.19"
created: "2026-06-13"
modified: "2026-06-13"
specificationVersion: "0.19"

tags:
  - Open Banking
  - Financial Services
  - Payments
  - Account Information
  - PSD2
  - UK
  - Banking
  - Fintech
  - Regulated

apis:

  - name: UK Open Banking Read/Write API
    description: RESTful APIs enabling Third Party Providers (TPPs) to access customer account information and initiate payments on behalf of consumers and businesses, with customer consent, via Account Servicing Payment Service Providers (ASPSPs). Covers AISP, PISP, CBPII, and VRP roles under the UK Open Banking Standard v4.0.1.
    image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
    humanURL: https://openbankinguk.github.io/read-write-api-site3/v4.0.1/
    baseURL: https://{aspsp-host}/open-banking/v4.0
    tags:
      - Account Information
      - Payment Initiation
      - Variable Recurring Payments
      - Confirmation of Funds
      - Event Notifications
    properties:
      - type: Documentation
        url: https://openbankinguk.github.io/read-write-api-site3/v4.0.1/
      - type: OpenAPI
        url: https://raw.githubusercontent.com/OpenBankingUK/read-write-api-specs/master/dist/openapi/account-info-openapi.yaml
      - type: GitHubRepository
        url: https://github.com/OpenBankingUK/read-write-api-specs
      - type: Sandbox
        url: https://openbanking.atlassian.net/wiki/spaces/DZ/overview
      - type: ConformanceSuite
        url: https://github.com/OpenBankingUK/conformance-suite
      - type: Plans
        url: https://raw.githubusercontent.com/api-evangelist/open-banking-uk/refs/heads/main/plans/plans.yml
      - type: RateLimits
        url: https://raw.githubusercontent.com/api-evangelist/open-banking-uk/refs/heads/main/rate-limits/rate-limits.yml
    contact:
      - FN: Open Banking Implementation Entity
        url: https://www.openbanking.org.uk/
        email: [email protected]

  - name: UK Open Banking Open Data API
    description: Public-facing APIs enabling third-party developers to access standardized open data published by Account Servicing Payment Service Providers, including ATM locations, branch locations, personal current account products, business current account products, SME credit cards, and SME loans. No customer authentication required.
    image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
    humanURL: https://openbankinguk.github.io/opendata-api-docs-pub/
    baseURL: https://{aspsp-host}/open-banking/v2.4
    tags:
      - ATM Locator
      - Branch Locator
      - Product Data
      - Open Data
      - Public APIs
    properties:
      - type: Documentation
        url: https://openbankinguk.github.io/opendata-api-docs-pub/
      - type: GitHubRepository
        url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
      - type: Plans
        url: https://raw.githubusercontent.com/api-evangelist/open-banking-uk/refs/heads/main/plans/plans.yml
    contact:
      - FN: Open Banking Implementation Entity
        url: https://www.openbanking.org.uk/
        email: [email protected]

  - name: UK Open Banking Dynamic Client Registration API
    description: Allows TPPs to dynamically register as OAuth clients with ASPSPs by submitting Software Statement Assertions issued by the Open Banking Directory. Supports client creation, retrieval, update, and deletion, and enables automated TPP onboarding without manual bank-by-bank enrollment.
    image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
    humanURL: https://standards.openbanking.org.uk/api-specifications/
    baseURL: https://{aspsp-host}/open-banking/v3.3
    tags:
      - Dynamic Client Registration
      - OAuth
      - TPP Onboarding
      - Security
    properties:
      - type: Documentation
        url: https://openbanking.atlassian.net/wiki/spaces/DZ/pages/1150124033/
      - type: Plans
        url: https://raw.githubusercontent.com/api-evangelist/open-banking-uk/refs/heads/main/plans/plans.yml
    contact:
      - FN: Open Banking Implementation Entity
        url: https://www.openbanking.org.uk/
        email: [email protected]

  - name: UK Open Banking Directory API
    description: Technical API describing the Open Banking Directory, including participant registration, Software Statement management, and service discovery for TPPs and ASPSPs operating within the UK Open Banking ecosystem. Enables TPPs to obtain credentials required to access banking APIs.
    image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
    humanURL: https://directory.openbanking.org.uk/
    baseURL: https://directory.openbanking.org.uk/
    tags:
      - Directory
      - Participant Registration
      - Software Statements
      - Service Discovery
    properties:
      - type: Documentation
        url: https://openbanking.atlassian.net/wiki/spaces/DZ/pages/1150124033/
      - type: Sandbox
        url: https://directory.openbanking.org.uk/
      - type: Plans
        url: https://raw.githubusercontent.com/api-evangelist/open-banking-uk/refs/heads/main/plans/plans.yml
    contact:
      - FN: Open Banking Implementation Entity
        url: https://www.openbanking.org.uk/
        email: [email protected]

common:
  - type: Website
    url: https://www.openbanking.org.uk/
  - type: Standards
    url: https://standards.openbanking.org.uk/
  - type: DeveloperPortal
    url: https://openbanking.atlassian.net/wiki/spaces/DZ/overview
  - type: GitHubOrganization
    url: https://github.com/OpenBankingUK
  - type: APIPerformance
    url: https://www.openbanking.org.uk/api-performance/
  - type: Blog
    url: https://www.openbanking.org.uk/news/blog/
  - type: News
    url: https://www.openbanking.org.uk/news/
  - type: TermsOfService
    url: https://www.openbanking.org.uk/terms/
  - type: PrivacyPolicy
    url: https://www.openbanking.org.uk/privacy-policy/
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/open-banking-uk/refs/heads/main/plans/plans.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/open-banking-uk/refs/heads/main/rate-limits/rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/open-banking-uk/refs/heads/main/finops/finops.yml

maintainers:
  - FN: API Evangelist
    email: [email protected]
    url: https://apievangelist.com