Plans
Access model for the UK Open Banking APIs. The core Read/Write, Open Data, and Dynamic Client Registration APIs are mandated under the UK Open Banking Standard and PSD2 Regulatory Technical Standards (RTS). Regulated ASPSPs must provide these APIs at no charge to licensed TPPs. Premium APIs (such as commercial VRP beyond sweeping mandates) may carry fees governed by JROC commercial pricing principles.
Plans is the machine-readable pricing-plan profile for UK Open Banking on the APIs.io network, conforming to the API Commons Plans specification.
It defines 3 plans, covering regulatory, commercial, and developer tiers, with named plans including Regulated (Mandatory) Access, Premium / Commercial API Access, Sandbox / Testing Access.
Tagged areas include Open Banking, Financial Services, Payments, Account Information, and PSD2.
Plans
All CMA9 banks and participating ASPSPs are legally required to provide the core Open Banking APIs (AISP, PISP, CoF, Open Data, DCR) free of charge to TPPs holding valid FCA authorisation and registered on the Open Banking Directory. No subscription or API fees apply for regulated use cases under PSD2 / CMA Order obligations.
Premium APIs including commercial Variable Recurring Payments (non-sweeping VRPs) and enhanced data services may be subject to commercial agreements and fees between individual ASPSPs and TPPs. Fees must comply with JROC commercial pricing principles — broadly reflecting long-run costs, treating TPPs fairly, and being transparent. No industry-wide fee schedule exists; terms are negotiated bilaterally.
The Open Banking Directory Sandbox provides a test environment with synthetic data for TPPs to develop and validate integrations before going live. Access is available free of charge to organisations exploring Open Banking participation, prior to full FCA authorisation.