In the UK and in the EU/EEA, open banking is mandatory for in-scope banks. In the UK, the CMA order requires the nine largest banks and building societies to implement the UK Open Banking Standard; many others have joined voluntarily. In the EU, PSD2 requires banks to offer dedicated access to licensed AISPs and PISPs. In the US, there is no single PSD2-style mandate yet; many banks participate via data aggregators and standards like FDX voluntarily or under emerging rules.

The Open Banking Tracker lists which countries have open banking regulations and links to regulators and implementation bodies.