{"id":"openbanking-api","name":"Open Banking UK","af_score":71.9,"security_score":null,"reliability_score":null,"what_it_does":"UK Open Banking standard defining REST APIs that regulated banks must expose for Account Information (read account/transaction data) and Payment Initiation (trigger payments) with standardized OAuth2/FAPI authentication.","best_when":"You're a regulated financial services firm (AISP/PISP) in the UK and need direct, standardized access to bank account data or payment initiation across UK banks.","avoid_when":"You're not FCA-authorized as an AISP or PISP — retail use requires going through a regulated aggregator like TrueLayer or Plaid.","last_evaluated":"2026-03-01T09:50:06.031565+00:00"}