Our performance and availability

Our numbers below let you see how we’re doing with performance and availability around account information and making payments. 

All UK banks have been asked by the regulator to show you this information for Online Banking, Mobile Banking and for Open Banking. Open Banking is the name used by the financial industry to describe new services which let account holders share their financial information and give permission for banks and other authorised organisations to make payments from certain accounts. 
Open Banking was introduced by the UK’s Competition and Markets Authority (CMA) to bring more competition and innovation to the financial services industry. It works using a secure system to let you register with other banks or authorised organisations (known as third party providers, or TPPs) and tell your bank to let them see and use your payment account details. For more information you may want to visit the Open Banking website.

Where we show you times in milliseconds, it’s reflecting the extreme speed at which our systems work. Anything less than 1000 MS takes less than a second to happen. 

We’ll update this information every quarter. This set of numbers shows performance from 1 April – 31 June. Our next update, for Jul – Sep 2026, will be in Nov 2026.

Average availability of all our Channels99.99%
Average Payments Performance across all Channels     651
Average Accounts Performance across all Channels      306

Banking Channels Service Availability – The table below shows the average availability of our 3 customer channels.

AvailabilityAprilMayJune
Online Banking Channel100.00%100.00%100.00%
Mobile Banking Channel100.00%100.00%100.00%
Open Banking Channel99.95%100.00%100.00%
Open Banking Benchmark99.5%99.5%99.5%

View information as a graph 


Payment Information – The table below shows the average time taken (in milliseconds) for us to process a payment for you.

Payment informationAprilMayJune
Online Banking Channel787772777
Mobile Banking Channel1,003974984
Open Banking Channel165173221
Open Banking Benchmark750750750

View information as a graph


Account Information – The table below shows the average time (in milliseconds) for us to provide you with customer information.

Account informationAprilMayJune
Online Banking Channel526563557
Mobile Banking Channel240239246
Open Banking Channel128125127
Open Banking Benchmark750750750

View information as a graph


Confirmation of funds – The table below shows the average time taken (in milliseconds) for us to provide you with confirmation that funds are available before initiating a payment.

Confirmation of fundsAprilMayJune
Open Banking Channel145171172
Open Banking Benchmark300300300

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Error rate – The table below shows the number of error messages we received from 3rd party providers, divided by the total number of successful requests we received for the day.

Error rateAprilMayJune
Open Banking channel0.26%0.08%0.02%
Open Banking Benchmark0.50%0.50%0.50%

View information as a graph


Performance and availability as graphs

Banking channels service availability – This graph shows the average availability of our 3 customer channels.

Line chart showing availability from 1 April to 30 June 2026. Open Banking, Online channel, and Mobile channel remain at approximately 100% throughout the period, with only a very slight dip in Open Banking in early April. All three services stay above the 99.5% OBIE benchmark.

Payment information – This graph shows the average time taken (in milliseconds) for us to process a payment for you.

Graph shows daily response times from 1 April to 30 June 2026. Open Banking is consistently fastest at roughly 150–300 milliseconds, Online channel remains around 700–800 milliseconds, and Mobile channel is generally around 900–1,000 milliseconds, with a sharp temporary drop in early May.

Account information –This graph shows the average time (in milliseconds) for us to provide you with customer information.

showing daily response times from 1 April to 30 June 2026. Open Banking remains lowest at roughly 100–180 milliseconds, Mobile channel stays around 200–250 milliseconds, and Online channel ranges mostly between 450 and 650 milliseconds. All three channels remain below the 750-millisecond Open Banking benchmark throughout the period.

Confirmation of funds – This graph shows the average time taken (in milliseconds) for us to provide you with confirmation that funds are available before initiating a payment.

showing daily Open Banking response times from 1 April to 30 June 2026. Response times remain well below the 300-millisecond benchmark throughout, generally ranging from about 100 to 200 milliseconds, with brief spikes in early May and late June.

Error rate – This graph shows the number of error messages we received from 3rd party providers, divided by the total number of successful requests we received for the day.

showing Open Banking error rates from 1 April to 30 June 2026. The error rate is close to 0% for most of the period, with one sharp spike to just under 5% in early April and a few minor increases later. The rate remains below the 0.5% benchmark except during the early-April spike.

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