canonical: https://jentic.com/apis/openbanking.org.uk/open-data-api # Openbanking Open Data API The UK Open Banking Open Data API publishes machine-readable directory information about UK bank branches, ATMs, personal current accounts, business current accounts, commercial credit cards, and unsecured SME loans across the nine CMA9 banks. The data covers product features, fees, eligibility criteria, and physical access points such as branch addresses and ATM locations. It is a public, unauthenticated dataset designed to power product comparison sites, branch finders, and accessibility tools without exposing customer data. Coverage spans HSBC, Barclays, Lloyds, NatWest, Santander, RBS, Bank of Ireland, Danske, and Nationwide. ## For AI agents Look up UK bank branch and ATM locations and retrieve published product details for personal accounts, business accounts, credit cards, and SME loans across the CMA9 banks. ## Scope Does not handle payment initiation, account information access, or customer authentication - use for published UK bank product, branch, and ATM directory data only. ## Capabilities - List all ATM locations published by a CMA9 bank including coordinates and accessibility features - Retrieve branch directory entries with opening hours, addresses, and disability access information - Look up personal current account product features including overdraft rates and switching incentives - Compare business current account fee structures and eligibility criteria across UK banks - Fetch commercial credit card terms including representative APR and fee schedules - Query unsecured SME loan products with rate ranges, term limits, and eligibility rules ## Use cases ### Branch and ATM Finder Build a branch and ATM locator that shows opening hours, accessibility features, and services available at each UK bank location. The /branches and /atms endpoints return geocoded directory entries published directly by the CMA9 banks, so map markers and disability access filters stay aligned with each bank's official record. Suitable for consumer comparison apps and accessibility tools. Example prompt: Call GET /atms for each CMA9 bank and return all ATMs within 1km of postcode SW1A 1AA that support cash deposits. ### Current Account Comparison Power a personal or business current account comparison site by pulling product features, fees, switching incentives, and overdraft terms directly from each bank's published Open Data feed. The /personal-current-accounts and /business-current-accounts endpoints provide the structured fields needed for side-by-side tables without scraping marketing pages. Example prompt: Fetch /personal-current-accounts from each CMA9 bank and surface the three accounts with the lowest authorised overdraft EAR for a customer with a 700 credit score. ### SME Loan and Credit Card Discovery Help small businesses identify unsecured SME loan and commercial credit card products that match their criteria. The /unsecured-sme-loans and /commercial-credit-cards endpoints expose representative APRs, term ranges, and eligibility rules in a consistent schema across providers, so a recommendation engine can rank products without navigating each bank's site. Example prompt: List all unsecured SME loans with a maximum amount of GBP 25000 or higher and term up to 60 months, sorted by representative APR ascending. ### AI Agent Product Research Through Jentic, an AI agent can answer customer questions about UK retail banking products without parsing scraped HTML. The agent searches for the right Open Data endpoint, loads its schema, and returns structured comparisons. Because the API is unauthenticated and rate-limit-friendly, agents can refresh data on demand for product research workflows. Example prompt: Through Jentic, search for 'list UK bank branches', load the /branches operation, and return all Barclays branches that are wheelchair accessible. ## Key endpoints | Method | Path | Description | | --- | --- | --- | | GET | /atms | List published ATMs with locations and capabilities | | GET | /branches | List bank branches with hours and accessibility data | | GET | /personal-current-accounts | Retrieve personal current account product data | | GET | /business-current-accounts | Retrieve business current account product data | | GET | /commercial-credit-cards | Retrieve commercial credit card products | | GET | /unsecured-sme-loans | Retrieve unsecured SME loan products | ## Key resources - **ATMs** — Locations and capabilities of cash machines operated by CMA9 banks - **Branches** — Bank branch directory with addresses, opening hours, and accessibility features - **Personal Current Accounts** — Published product details for UK personal current accounts - **Business Current Accounts** — Published product details for UK business current accounts - **Commercial Credit Cards** — Terms and rates for business credit card products - **Unsecured SME Loans** — Product details for unsecured loans aimed at small and medium enterprises ## Why Jentic - **Setup:** Wiring the Open Data API by hand means resolving the right CMA9 bank base URL for each request and shaping the branch, ATM, and product queries yourself, even though no credentials are involved. Through Jentic you install once, import the Open Data API from the API Directory, and your agent calls it directly. - **Permission scoping:** This is a read-only directory API with no credentials, so scope it by limiting the agent to the operations it needs, such as listing branches, ATMs, or published account and card products. You choose the operations it may call, and nothing beyond that set runs. - **Credential handling:** The Open Data API requires no credentials, so there is nothing to store; your Jentic One instance still routes the call through its execution layer. No secret ever enters the agent's prompt, logs, or context. - **Discovery method:** Agents search Jentic by intent such as 'find UK bank branches with disability access' or 'list published business current accounts', and Jentic returns the matching /branches or /atms operation with its response schema so the agent calls the right endpoint without browsing the OBIE specification. ## Related APIs - **Payment Initiation API** — PSD2 payment initiation for the same UK Open Banking ecosystem. - **Swiss NextGen Banking API-Framework** — Swiss equivalent based on Berlin Group NextGenPSD2 instead of UK Open Banking. - **Plaid API** — Aggregator-style account access used widely outside the UK Open Banking standard. ## FAQ ### What authentication does the Open Data API use? The Open Data API is fully public - there are no security schemes defined in the spec, so requests do not require an API key, OAuth token, or client certificate. Through Jentic, this means agents can call the six published endpoints with no credential setup, while your Jentic One instance stays unused for this API. ### Can I look up ATM locations for a specific bank with the Open Data API? Yes. Each CMA9 bank publishes its own /atms feed under its reference implementation host, so you call GET /atms against the bank's Open Data base URL to receive a directory of ATMs with coordinates, services, and accessibility flags. The response schema is consistent across banks, making cross-bank aggregation straightforward. ### What are the rate limits for the Open Data API? The Open Banking Implementation Entity does not publish hard rate limits for the Open Data endpoints, but each CMA9 bank operates its own reference implementation and may apply fair-use throttling. Cache product and directory responses where possible - the underlying data changes daily at most. ### How do I compare personal current accounts across banks through Jentic? Search Jentic for 'list personal current accounts', load the GET /personal-current-accounts operation, and execute it once per CMA9 bank base URL. Jentic returns the structured product feed so an agent can rank accounts by overdraft EAR, monthly fee, or switching incentive without scraping comparison sites. ### Is the Open Data API free? Yes. The Open Data feeds are mandated by the CMA Open Banking Order and are published free of charge by each CMA9 bank. There are no subscription tiers or usage fees - only the cost of running your own client and caching layer. ### Does the Open Data API return live customer account data? No. This API only exposes published product reference data and physical directory information such as branches and ATMs. To access live customer account data you need the Account Information API under PSD2, which requires TPP registration, eIDAS certificates, and customer consent. ### Can I limit what my agent is allowed to do with the Open Data API? Yes. Because you self-host Jentic One, your own rules decide which of the six read-only operations your agent may call, so you can allow only GET /branches and GET /atms for a branch finder while blocking the product feeds, or expose GET /personal-current-accounts, GET /business-current-accounts, GET /commercial-credit-cards, and GET /unsecured-sme-loans for a comparison agent. Nothing outside the operation set you approve ever runs. Since the API is unauthenticated, there are no credentials to grant, so scoping comes down to the exact endpoints you let the agent reach.