What do you need in order to use Open Banking?

If you want to use an Open Banking app or service, at a minimum you must:

  • Have a bank account at one of the participating banks, listed here.
  • Be able to complete an online consent form that confirms that you allow access to your banking data.

For most Open Banking apps and services you will also need:

  • Access to a smartphone, preferably your own. Some services are available through a browser and can be used on a computer or tablet, but not the majority.
  • An email address.
  • Enough digital literacy to use a smartphone app.
  • Enough English language literacy to interact with the app.

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