Openbanking Open Data API

Name: Open Data API
Brand: Open Data API
Availability: InStock

✓ Official Vendor SpecFinanceBankingnone6 EndpointsREST

Install Jentic One Beta

Connect the Open Data API to your agent

Jentic One is a self-hosted execution layer for AI agents. It lets your agent call the Open Data API, or any other public or private API you need. You set the rules, the agent never sees your credentials, and every call is logged.

Two steps, two machines. Install the instance in a safe environment, then register your agent from wherever it runs.

Step 1: Jentic One Host machine

# On the machine that will host your Jentic One instance:
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh

Step 2: Agent machine

# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh
jentic register       # connects your agent to your Jentic One instance

Jentic One is in public beta. The setup above keeps your agent separate from the instance, which is what you want before using real credentials: an agent running as the same OS user as Jentic One can read its stored keys directly. Just evaluating? A single local install is fine to start. See the secure deployment guide for the tiers.

Capabilities

What an agent can do with Open Data API.

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

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Start building with Open Data API

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View OpenAPI Document

For 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.

Use for: Find all ATMs operated by a specific UK bank, List branches with disabled access in a given postcode area, Compare personal current account overdraft rates across CMA9 banks, Retrieve published business current account fees for a given bank

Not supported: Does not handle payment initiation, account information access, or customer authentication - use for published UK bank product, branch, and ATM directory data only.

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.

Use Cases

Patterns agents use Open Data API for, with concrete tasks.

★ 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.

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.

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.

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.

Through Jentic, search for 'list UK bank branches', load the /branches operation, and return all Barclays branches that are wheelchair accessible.

Key Endpoints

6 endpoints — 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.

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

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

Why Jentic?

Three things that make agents converge on Jentic-routed access.

Credential isolation

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.

Intent-based discovery

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.

Time to first call

FAQs

Specific to using Open Data API through Jentic.

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.