简体中文
EnglishWho is part of the UK Open Banking ecosystem and how can providers join?
Updated
The UK Open Banking ecosystem is a collaborative community of banks and financial institutions, fintechs, and technical service providers working toward a common aim: delivering open banking-powered products and services to UK consumers and businesses. According to Open Banking Limited's (OBL) August ecosystem highlights, it currently comprises 326 regulated providers, including 88 account providers and 238 third party providers, with 140 regulated entities having at least one proposition live with customers. If you are an institution wondering whether you belong in this ecosystem or how to enter it, the short answer is: account providers connect to fintechs and other innovators to build new propositions from customer transaction data, and OBL points prospective participants to its Directory and FAQs as starting points.
Who makes up the ecosystem
OBL describes the ecosystem as a collaborative community with three broad participant types:
| Participant type | Role in the ecosystem | Scale (August highlights) |
|---|---|---|
| Account providers | Banks and financial institutions that hold online payment accounts; they connect to fintechs and innovators so new propositions can be built on customer transaction data | 88 |
| Third party providers | Fintechs and other regulated providers building products and services on top of open banking | 238 |
| Technical service providers | Organisations supplying the technical infrastructure that connects the above | Included within the 326 regulated providers |
Of the 326 regulated providers, 140 are regulated entities with at least one proposition live with customers — a useful distinction if you want to gauge how many participants have moved from registration to real-world services.
What account providers get from joining
OBL frames the value for account providers directly: if you offer online payment accounts, connecting gives you access to a busy community of fintechs and other innovators. Together, this community collaborates to deliver new propositions tailored to customers' needs via their transaction data. In other words, the ecosystem is not just a compliance framework — it is a distribution and product-development channel for institutions that hold accounts.
How providers can find out more or join
The website offers two named entry points for institutions exploring participation:
- Our solutions — information on what OBL offers to account providers and others.
- Join the Directory — the route for getting listed among ecosystem participants.
- FAQs — background answers for organisations finding out more.
If you are an account provider, the practical path suggested by the site is: review the solutions information, then use the Directory and FAQs to understand how to connect and be listed. If you are a fintech or technical service provider, the same Directory and FAQ resources are the stated way to learn how to take part.
Where to verify current numbers and developments
Ecosystem figures and priorities shift. OBL's site carries regularly updated material, including its August ecosystem highlights (the source of the 326/88/238/140 figures above), a report marking 1 billion payments and 100 billion API calls for UK open banking, the Open Banking Payments Fraud Monitor – June 2026 Edition (benchmarked against wider UK payments industry data and informed by account providers representing more than 60% of open banking payment volumes), and work on the Future Entity — the organisation expected to become the UK's future primary standard setter for open banking. For institutions deciding whether and how to join, these pages are the most current reference points on the site.