Resources
Explainers, written plainly.
Short guides to the ideas behind the product. Full documents will appear here as they are published.
Guide
Developer overview
How the console, consent flow and sandbox fit together. API reference and SDK documentation are not yet published.
Explainer
Consent and strong customer authentication
How a customer authorises access at their own bank, and what the consent record keeps.
Explainer
Maker and checker approvals
Why a second person approves payments above a threshold, and how the console enforces it.
Explainer
How payment screening works
Warn, hold and block thresholds, the 24 hour hold and call-back release.
Explainer
The UK open banking regime in one page
Who regulates what: FCA, Open Banking Limited, PSR, Bank of England, ICO, HM Treasury and Companies House.
UK regime
Who does what
A one-page conceptual map of the UK bodies involved in open banking and payments.
Financial Conduct Authority (FCA)
Authorises and supervises payment and account information firms; keeps the Financial Services Register.
Official websiteOpen Banking Limited
Maintains the Open Banking standards, directory and ecosystem reporting.
Official websitePayment Systems Regulator (PSR)
Economic regulator for payment systems in the UK.
Official websiteBank of England
Oversees systemic payment systems and the financial stability framework.
Official websiteInformation Commissioner's Office (ICO)
Regulates UK GDPR and the Data Protection Act 2018, including PECR rules on cookies.
Official websiteHM Treasury
Sets financial services policy and sponsors legislation.
Official websiteCompanies House
Registers UK companies and holds their public filings.
Official website
Sources
Where our UK figures come from
- 1 billion+ open banking payments: Cumulative payments since inception, as reported by Open Banking Limited. The source does not define 'payment' further. Passed in June 2026. Open Banking Limited, article dated 21 September 2026, retrieved 2026-11-05.
- 100 billion+ open banking api calls: Cumulative API calls since inception, as reported by Open Banking Limited. Passed in June 2026. Open Banking Limited, article dated 21 September 2026, retrieved 2026-11-05.
- 40 million+ payments in a single month: Monthly payments exceeded 40 million for the first time. May 2026. Open Banking Limited, article dated 21 September 2026, retrieved 2026-11-05.
- 2.94 billion api calls in a single month: Record monthly API traffic reported for July 2026. July 2026. Open Banking Limited, article dated 21 September 2026, retrieved 2026-11-05.
- About 80% share of api traffic from account information: Share of API traffic attributed to Account Information Services, as stated in the article. As stated in the 21 September 2026 article. Open Banking Limited, retrieved 2026-11-05.
Institution links: Financial Conduct Authority, Open Banking Limited, Payment Systems Regulator, Bank of England, Information Commissioner's Office, HM Treasury, Companies House. See news.