Account and Transaction API Specification
Account and Transaction API Specification
UK Open Banking Account Information API (AIS) lets authenticated third parties read user bank account balance, transactions, and metadata with user consent.
Standardized (consistent schema across banks)
90-day mandatory user reauthorization (CMA rule)
Institution registers as AISP with FCA → registers app on bank developer portal → user OAuth consent → GET /open-banking/v3.1/aisp/accounts and related endpoints read accounts.
Uptime · 30-day window
About this API
AIS (Account Information Service) is the "read" side of Open Banking. It replaces traditional "screen scraping" (user provides app with password, app simulates bank web login to scrape — non-compliant and unreliable) with "user gives OAuth consent on bank page → app gets token, calls standardized API to read data". All major UK banks must implement the unified schema (CMA9 standard): account lists, balances, transactions (90-day lookback), standing orders, direct debits, etc. AISP-type third-party institutions all use this — Money Dashboard for personal finance, Truelayer/Plaid for data aggregation middleware, Xero/QuickBooks for accounting transaction auto-import, lenders for income verification. 90-day reauthorization is CMA-mandated user protection — avoids "users unknowingly read long-term".
What you can build
- 1Spending analysis apps (Money Dashboard, Cleo, etc.)
- 2Account aggregation display
- 3Accounting SaaS auto-import transactions
- 4Loan underwriting auto-verification
Strengths & limitations
Strengths
- Standardized (consistent schema across banks)
- Strict user authorization (SCA + 90-day reconsent)
- More reliable and compliant than screen scraping
Limitations
- 90-day mandatory user reauthorization (CMA rule)
- Read-only — cannot modify user account info
Example request
curl https://openbanking.org.uk/<endpoint>Getting started
Institution registers as AISP with FCA → registers app on bank developer portal → user OAuth consent → GET /open-banking/v3.1/aisp/accounts and related endpoints read accounts.
FAQ
Can I access transactions from years ago?+
After each authorization, API returns the last 90 days. To keep older data, store it yourself.
Technical details
- Auth type
- unknown
- Pricing
- unknown
- Protocols
- REST
- SDKs
- python, javascript, go, java
- Response time
- 1143 ms
- Last health check
- 5/12/2026, 7:38:01 AM
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