The UK Open Banking Standard is the technical and operational framework that defines how banks and building societies in the UK expose account and payment APIs to licensed third-party providers. It was created under the CMA’s retail banking market order and developed and maintained by the Open Banking Implementation Entity (OBIE). It covers account information (AIS) and payment initiation (PIS), including security, consent, and customer experience requirements.

The standard ensures a consistent API design and security model across the largest UK account providers, so TPPs can integrate once and connect to multiple banks. It has been a major driver of open banking adoption in the UK. The Open Banking Tracker covers the UK under Open Banking Regulations and links to the official standard and directory.