Open Banking Availability & Performance Statistics

As an FCA-authorised e-money institution, we're required to publish quarterly statistics on the availability and performance of our Open Banking services. This page sets out how our systems are performing, updated every quarter in line with FCA reporting requirements.

The statistics below cover two things. First, the availability, or uptime, of our platforms. Second, their performance, including response times and error rates. We report on two interfaces, our own PSU interface and our dedicated Open Banking interface, so you can see how each is performing independently.

Reports are published each quarter, with previous quarters available in our archive below.


What the statistics measure

  • PSU interface. The interface our clients use directly to access their multi-currency accounts and initiate payments, powered by ibanq.
  • Dedicated interface. Our Open Banking interface, which lets account information and payment initiation providers connect securely to IFX accounts on a client's behalf, powered by Tellmoney.

Dedicated interface

In Q2 2026 (April to June), our dedicated Open Banking interface was available 100.00% of the time, with an average response time of under 1ms.

In Q1 2026 (January to March), our dedicated Open Banking interface was available 100.00% of the time. Average response times for February are under review, see note below.

Dedicated interface statistics, current and previous quarter, by month
Metric Current quarter (Q2 2026) Previous quarter (Q1 2026)
April May June January February March
Availability 100.00%100.00%100.00% 100.00%100.00%100.00%
Unplanned downtime 0 hours0 hours0 hours 0 hours0 hours0 hours
Average account information response time 0ms1ms0ms 57ms83,107ms*4ms
Average payment initiation response time 0ms0ms0ms 147ms8,150ms*39ms
Error response rate 0.00%0.00%0.00% 0.00%0.00%0.00%

*February figures include a single-day response time significantly outside the normal range (26 February 2026), currently under review with our Product and Engineering team. This page will be updated once confirmed.


PSU interface

In Q2 2026 (April to June), our PSU interface was available 100.00% of the time, with an average response time of 236ms.

In Q1 2026 (January to March), our PSU interface was available 100.00% of the time, with an average response time of 213ms.

PSU interface statistics, current and previous quarter, by month
Metric Current quarter (Q2 2026) Previous quarter (Q1 2026)
April May June January February March
Availability 100.00%100.00%100.00% 100.00%100.00%100.00%
Unplanned downtime 0 hours0 hours0 hours 0 hours0 hours0 hours
Average response time 267ms260ms180ms 149ms234ms256ms