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UK Open Banking Standard

Self-Assess
United Kingdom
vCMA Order 2017 (as varied 2019) Part 2; Open Banking Standard v4.0
2 domains
16 controls

UK open banking as it binds in 2026: the CMA's Retail Banking Market Investigation Order 2017 requires the CMA9 to fund Open Banking Limited, deliver the Roadmap (including variable recurring payments for sweeping, narrowed by the CMA in December 2025), obey the Trustee, publish open product, branch, ATM and service data, give free read and write API access to personal and SME current accounts and release loan pricing data; the Open Banking Standard (Read-Write API Profile v4.0 with FAPI 1.0 Advanced and ISO 20022, directory and certificates, customer experience parity, operational availability and reporting, access dashboards, counter-fraud practice) is mandatory for the CMA9 and voluntary for others, while all account providers remain bound by the Payment Services Regulations 2017 access rules. An FCA-led Future Entity is to succeed Open Banking Limited under Data (Use and Access) Act 2025 powers, not yet in force.

Verified

UK Open Banking Standard is a compliance framework from United Kingdom with 2 domains and 16 controls that map to 180 other frameworks. The largest domains are CMA Order duties of the CMA9 (Part 2 and article 32) – UK Open Banking Standard (9 controls), The Open Banking Standard (API, security, customer experience, operations) – UK Open Banking Standard (7 controls). Every control below carries what it requires and what an assessor expects to see.

Maintained by Gerard BlokdykVerified against the published standard Control text last updated

Framework summaries on this platform are interpretations grounded in the published source, for educational and compliance planning purposes. They do not reproduce or replace the official standards. Refer to the authoritative source for the definitive text. Framework names and trademarks belong to their respective organisations.

Framework Domains (2)

CMA Order duties of the CMA9 (Part 2 and article 32) – UK Open Banking Standard

9 controls
Controls in the CMA Order duties of the CMA9 (Part 2 and article 32) – UK Open Banking Standard domain of UK Open Banking Standard: 9 controls
CodeTitle
uk-open-banking-standard::O10.1Fund and support the Implementation Entity
uk-open-banking-standard::O10.2Standards with the content the Order requires
uk-open-banking-standard::O10.5Deliver the Roadmap and do not obstruct the Entity
uk-open-banking-standard::O10.5-VRPVariable recurring payments for sweeping
uk-open-banking-standard::O11Implementation Trustee: appointment, cooperation and directions
uk-open-banking-standard::O12Open data: product and reference information
uk-open-banking-standard::O13Open data: service quality indicators
uk-open-banking-standard::O14Read and write access to current account transaction data
uk-open-banking-standard::O32Loan and overdraft pricing data for intermediaries

The Open Banking Standard (API, security, customer experience, operations) – UK Open Banking Standard

7 controls
Controls in the The Open Banking Standard (API, security, customer experience, operations) – UK Open Banking Standard domain of UK Open Banking Standard: 7 controls
CodeTitle
uk-open-banking-standard::S1Mandatory, conditional and optional elements
uk-open-banking-standard::S2Read-Write API Profile v4.0: FAPI 1.0 Advanced and ISO 20022
uk-open-banking-standard::S3TPP identification, certificates and directory
uk-open-banking-standard::S4Customer experience parity and consent journeys
uk-open-banking-standard::S5Availability, performance and reporting of dedicated interfaces
uk-open-banking-standard::S6Access dashboards and consent revocation
uk-open-banking-standard::S7Security and counter-fraud good practice

Your Compliance Coverage

If you comply with UK Open Banking Standard, you already cover:

SSAE 18 - Attestation Standards (SOC Reporting)

20%

8 controls mapped

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O-RAN WG11 Security Specification

17%

7 controls mapped

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NIST Privacy Framework

17%

7 controls mapped

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+ 177 more: Singapore Government Instruction Manual on ICT&SS Management (IM8) (17%), NIST Cybersecurity Framework 2.0 (17%)

See all 180 mapped frameworks ↓

Maps to 180 other frameworks

41 total controls
SSAE 18 - Attestation Standards (SOC Reporting)
8 source controls mapped|7 target controls covered
20%
O-RAN WG11 Security Specification
7 source controls mapped|3 target controls covered
17%
NIST Privacy Framework
7 source controls mapped|6 target controls covered
17%
Singapore Government Instruction Manual on ICT&SS Management (IM8)
7 source controls mapped|7 target controls covered
17%
NIST Cybersecurity Framework 2.0
7 source controls mapped|10 target controls covered
17%
ASD Strategies to Mitigate Cyber Security Incidents
7 source controls mapped|5 target controls covered
17%
DAMA-DMBOK2 - Data Management Body of Knowledge (2nd Edition)
7 source controls mapped|5 target controls covered
17%
FTC GLBA Safeguards Rule (16 CFR Part 314)
7 source controls mapped|3 target controls covered
17%
South Korea ISMS-P
7 source controls mapped|6 target controls covered
17%
ISO/IEC 27400:2022
7 source controls mapped|6 target controls covered
17%
ITU-T X.805 - Security Architecture for End-to-End Communications
6 source controls mapped|3 target controls covered
15%
PSD2 SCA
6 source controls mapped|4 target controls covered
15%
OSFI B-13
6 source controls mapped|5 target controls covered
15%
Open Banking Security
6 source controls mapped|5 target controls covered
15%
FFIEC IT Examination Handbook
6 source controls mapped|8 target controls covered
15%
PCI PIN Security
6 source controls mapped|8 target controls covered
15%
PCI SSF
6 source controls mapped|8 target controls covered
15%
SOC for Cybersecurity - Cybersecurity Risk Management Examination
6 source controls mapped|4 target controls covered
15%
PCI P2PE
6 source controls mapped|8 target controls covered
15%
Oman National Cybersecurity Framework
6 source controls mapped|3 target controls covered
15%
NIST SP 800-124 Revision 2 - Guidelines for Managing the Security of Mobile Devices
6 source controls mapped|7 target controls covered
15%
NIST SP 800-190
6 source controls mapped|4 target controls covered
15%
TISAX - Trusted Information Security Assessment Exchange
6 source controls mapped|5 target controls covered
15%
Switzerland New Federal Act on Data Protection (nFADP/nDSG, 2023)
6 source controls mapped|12 target controls covered
15%
IEC 62351 - Power Systems Communication Security
5 source controls mapped|4 target controls covered
12%
SOC 2
5 source controls mapped|9 target controls covered
12%
Regional Comprehensive Economic Partnership (RCEP) - E-Commerce Chapter
5 source controls mapped|1 target controls covered
12%
SLSA
5 source controls mapped|2 target controls covered
12%
SIG (Shared Assessments)
5 source controls mapped|3 target controls covered
12%
PTES
5 source controls mapped|3 target controls covered
12%
PAS 1192-5:2015 - Security-Minded Approach to BIM and Digital Built Environments
5 source controls mapped|2 target controls covered
12%
OWASP SAMM
5 source controls mapped|2 target controls covered
12%
OpenSSF Scorecard
5 source controls mapped|3 target controls covered
12%
Florida Digital Bill of Rights (FDBR)
5 source controls mapped|4 target controls covered
12%
CISA Cross-Sector Cybersecurity Performance Goals (CPG) 2.0
5 source controls mapped|7 target controls covered
12%
NIST SP 800-53 Rev 5
5 source controls mapped|8 target controls covered
12%
ISO/IEC 29115:2013 - Entity Authentication Assurance Framework
5 source controls mapped|5 target controls covered
12%
ISO/IEC 27043:2015
5 source controls mapped|6 target controls covered
12%
BSI IT-Grundschutz
5 source controls mapped|5 target controls covered
12%
AWWA Cybersecurity Guidance for the Water Sector (American Water Works Association)
5 source controls mapped|4 target controls covered
12%
ISO/SAE 21434
5 source controls mapped|6 target controls covered
12%
ISO/IEC 23837:2023
5 source controls mapped|5 target controls covered
12%
UK Telecommunications (Security) Act 2021
5 source controls mapped|3 target controls covered
12%
Virginia CDPA
5 source controls mapped|3 target controls covered
12%
Vietnam PDPD
5 source controls mapped|2 target controls covered
12%
Uruguay DPL
5 source controls mapped|5 target controls covered
12%
Texas Data Privacy and Security Act (TDPSA)
5 source controls mapped|3 target controls covered
12%
Taiwan PDPA
5 source controls mapped|2 target controls covered
12%
Qatar DPL
5 source controls mapped|4 target controls covered
12%
POPIA
5 source controls mapped|3 target controls covered
12%
Peru DPL
5 source controls mapped|4 target controls covered
12%
PDPA Thailand
5 source controls mapped|3 target controls covered
12%
PDPA Singapore
5 source controls mapped|4 target controls covered
12%
Oregon Consumer Privacy Act
5 source controls mapped|4 target controls covered
12%
Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (UAE PDPL)
5 source controls mapped|4 target controls covered
12%
APPI
5 source controls mapped|7 target controls covered
12%
Bahrain PDPL
5 source controls mapped|7 target controls covered
12%
Saudi Arabia PDPL
5 source controls mapped|6 target controls covered
12%
ASIS SPC.1-2009 - Organizational Resilience Standard
4 source controls mapped|4 target controls covered
10%
WCAG 2.2
4 source controls mapped|1 target controls covered
10%
W3C Verifiable Credentials (VC) Data Model 2.0
4 source controls mapped|2 target controls covered
10%
TSA Pipeline Cybersecurity Directives
4 source controls mapped|1 target controls covered
10%
Sigstore - Software Artifact Signing and Verification
4 source controls mapped|3 target controls covered
10%
Secure by Design: A Guide for Manufacturers (CISA)
4 source controls mapped|2 target controls covered
10%
FIDO2 / WebAuthn
4 source controls mapped|1 target controls covered
10%
US Consumer Product Safety Act (CPSC) Manufacturer and Importer Duties
4 source controls mapped|2 target controls covered
10%
ISO 27799:2025
4 source controls mapped|3 target controls covered
10%
US Maritime Transportation Security Act (MTSA) and USCG Cybersecurity Requirements
4 source controls mapped|2 target controls covered
10%
Armenia Law on Protection of Personal Data (2015)
4 source controls mapped|4 target controls covered
10%
Illinois Biometric Information Privacy Act (BIPA)
4 source controls mapped|2 target controls covered
10%
3GPP 5G Security Architecture (TS 33.501)
4 source controls mapped|3 target controls covered
10%
UK GDPR (UK General Data Protection Regulation)
4 source controls mapped|3 target controls covered
10%
South Korea PIPA
4 source controls mapped|3 target controls covered
10%
Barbados Data Protection Act 2019
4 source controls mapped|5 target controls covered
10%
South Africa Promotion of Access to Information Act (PAIA)
3 source controls mapped|2 target controls covered
7%
UK AI Regulation Framework
3 source controls mapped|2 target controls covered
7%
SASB Standards
3 source controls mapped|5 target controls covered
7%
OECD AI Principles
3 source controls mapped|2 target controls covered
7%
COBIT 2019
3 source controls mapped|2 target controls covered
7%
ISO/IEC 27007:2020
3 source controls mapped|2 target controls covered
7%
APRA CPS 234
3 source controls mapped|4 target controls covered
7%
ISO/IEC 27031:2011
3 source controls mapped|3 target controls covered
7%
ISO/IEC 25012:2008 - Data Quality Model
3 source controls mapped|3 target controls covered
7%
ISO/IEC 20000-1:2018
3 source controls mapped|2 target controls covered
7%
ITIL 4
3 source controls mapped|2 target controls covered
7%
FFIEC Cybersecurity Assessment Tool (CAT)
3 source controls mapped|2 target controls covered
7%
Security of Critical Infrastructure Act 2018 (SOCI)
3 source controls mapped|5 target controls covered
7%
Bank Secrecy Act / Anti-Money Laundering (BSA/AML)
3 source controls mapped|1 target controls covered
7%
AML/CTF Act 2006 (Australia)
3 source controls mapped|1 target controls covered
7%
Trinidad and Tobago Data Protection Act 2011
3 source controls mapped|5 target controls covered
7%
Tanzania Personal Data Protection Act 2022
3 source controls mapped|4 target controls covered
7%
NATO STANAG 4774 (Confidentiality Metadata Labels) and STANAG 4778 (Metadata Binding)
3 source controls mapped|2 target controls covered
7%
ISO/IEC 27011:2024
3 source controls mapped|3 target controls covered
7%
FedRAMP Rev 5
3 source controls mapped|5 target controls covered
7%
AICPA Privacy Management Framework (PMF)
3 source controls mapped|6 target controls covered
7%
WHO Global Strategy on Digital Health 2020-2025
3 source controls mapped|4 target controls covered
7%
COSO Internal Control - Integrated Framework (2013)
3 source controls mapped|4 target controls covered
7%
ISO/IEC 27010:2015
3 source controls mapped|2 target controls covered
7%
UK FCA/PRA Operational Resilience Framework
2 source controls mapped|1 target controls covered
5%
US EPA Safe Drinking Water Act (SDWA) - Cybersecurity Requirements
2 source controls mapped|1 target controls covered
5%
BS 65000:2014 - Guidance on Organizational Resilience
2 source controls mapped|1 target controls covered
5%
UK Security and Emergency Measures Direction (SEMD) - Water Industry
2 source controls mapped|2 target controls covered
5%
UK Gambling Commission LCCP and Remote Technical Standards
2 source controls mapped|2 target controls covered
5%
ISO/IEC 27557:2022 - Organisational Privacy Risk Management
2 source controls mapped|4 target controls covered
5%
ISO/IEC 29134:2023
2 source controls mapped|3 target controls covered
5%
ISO 8000 - Data Quality
2 source controls mapped|3 target controls covered
5%
ISO/IEC 23894:2023
2 source controls mapped|4 target controls covered
5%
Austria Data Protection Act (Datenschutzgesetz, DSG, amended 2018)
2 source controls mapped|5 target controls covered
5%
Connecticut Data Privacy Act (CTDPA)
2 source controls mapped|1 target controls covered
5%
ISO 22320:2018
2 source controls mapped|6 target controls covered
5%
Azerbaijan Law on Personal Data (2010)
2 source controls mapped|4 target controls covered
5%
Albania Law No. 124/2024 on Personal Data Protection
2 source controls mapped|3 target controls covered
5%
ISO/IEC 30111:2019
2 source controls mapped|3 target controls covered
5%
ISO/IEC 29100:2024
2 source controls mapped|6 target controls covered
5%
Annex 11 to EU GMP - Computerised Systems
2 source controls mapped|4 target controls covered
5%
ISO 28001:2007 Supply Chain Security Management
2 source controls mapped|2 target controls covered
5%
SANS Incident Handler's Handbook and PICERL Methodology
2 source controls mapped|5 target controls covered
5%
Rhode Island Data Transparency and Privacy Protection Act (RIDTPPA)
2 source controls mapped|2 target controls covered
5%
NRC 10 CFR 73.54 - Nuclear Facility Cybersecurity
2 source controls mapped|4 target controls covered
5%
Sweden Data Protection Act (Dataskyddslag, 2018:218)
2 source controls mapped|3 target controls covered
5%
FBI CJIS Security Policy
2 source controls mapped|2 target controls covered
5%
US ITAR and EAR - Export Control and Data Security
2 source controls mapped|2 target controls covered
5%
NSA Guidance for Transition to Quantum-Resistant Cryptography
2 source controls mapped|3 target controls covered
5%
GDPR
2 source controls mapped|6 target controls covered
5%
Azure Security Benchmark
2 source controls mapped|1 target controls covered
5%
UK Age Appropriate Design Code (Children's Code)
2 source controls mapped|5 target controls covered
5%
UK Bribery Act 2010
1 source controls mapped|3 target controls covered
2%
PIC/S Guide to Good Manufacturing Practice for Medicinal Products
1 source controls mapped|3 target controls covered
2%
Philippines Cybercrime Prevention Act (RA 10175)
1 source controls mapped|1 target controls covered
2%
ICH Q10 - Pharmaceutical Quality System
1 source controls mapped|2 target controls covered
2%
IATA Operational Safety Audit (IOSA) Standards Manual
1 source controls mapped|1 target controls covered
2%
French Sapin II Law (Law No. 2016-1691)
1 source controls mapped|1 target controls covered
2%
DFARS 252.204-7012 - Safeguarding Covered Defense Information
1 source controls mapped|1 target controls covered
2%
IEC 60601-1 - Medical Electrical Equipment Safety
1 source controls mapped|2 target controls covered
2%
ISO/IEC 27014:2020
1 source controls mapped|2 target controls covered
2%
FedRAMP High
1 source controls mapped|1 target controls covered
2%
FedRAMP Moderate
1 source controls mapped|1 target controls covered
2%
ISO 15189:2022 - Medical Laboratories Requirements for Quality and Competence
1 source controls mapped|3 target controls covered
2%
ISO/IEC 27003:2017
1 source controls mapped|1 target controls covered
2%
ISO/IEC 29147:2018
1 source controls mapped|2 target controls covered
2%
ISO 41001:2018 - Facility Management Systems
1 source controls mapped|2 target controls covered
2%
Automotive SPICE (ASPICE) v4.1 - Process Assessment Model
1 source controls mapped|2 target controls covered
2%
US Foreign Corrupt Practices Act (FCPA)
1 source controls mapped|1 target controls covered
2%
IEC 62304:2015 Medical Device Software Lifecycle Processes
1 source controls mapped|3 target controls covered
2%
ISO/IEC 17025:2017 - General Requirements for Testing and Calibration
1 source controls mapped|2 target controls covered
2%
Science Based Targets Initiative (SBTi) - Net-Zero Standard
1 source controls mapped|2 target controls covered
2%
ISO 19650 - Organisation and Digitisation of Information about Buildings and Civil Engineering Works (BIM)
1 source controls mapped|3 target controls covered
2%
Kuwait National Cybersecurity Framework
1 source controls mapped|1 target controls covered
2%
ISO/IEC 27004:2016
1 source controls mapped|3 target controls covered
2%
ISO/IEC 27050-1:2019
1 source controls mapped|1 target controls covered
2%
PCI DSS 4.0
1 source controls mapped|1 target controls covered
2%
Nebraska Data Privacy Act
1 source controls mapped|2 target controls covered
2%
IAIS Insurance Core Principles (ICPs)
1 source controls mapped|1 target controls covered
2%
ISO 14064 - Greenhouse Gas Accounting and Verification (Parts 1-3)
1 source controls mapped|1 target controls covered
2%
ISO 20400:2017 - Sustainable Procurement
1 source controls mapped|2 target controls covered
2%
ISO 56002
1 source controls mapped|2 target controls covered
2%
ISO 26262:2018 - Functional Safety for Road Vehicles
1 source controls mapped|1 target controls covered
2%
US SEC Digital Assets and Crypto Regulatory Framework
1 source controls mapped|2 target controls covered
2%
Singapore Cybersecurity Act 2018
1 source controls mapped|1 target controls covered
2%
Papua New Guinea National Cybersecurity Policy & Cybercrime Act (2016)
1 source controls mapped|1 target controls covered
2%
Nevada Gaming Control Board Cybersecurity Requirements
1 source controls mapped|1 target controls covered
2%
API 1164
1 source controls mapped|3 target controls covered
2%
ISO/IEC 27019:2024
1 source controls mapped|3 target controls covered
2%
UK Defence Standard 05-138 - Cyber Security for Defence Suppliers
1 source controls mapped|2 target controls covered
2%
Canada ITSG-33 - IT Security Risk Management
1 source controls mapped|1 target controls covered
2%
NIST SP 1800-32
1 source controls mapped|3 target controls covered
2%
IEC 62443
1 source controls mapped|3 target controls covered
2%
EASA Part-IS - Information Security in Aviation
1 source controls mapped|3 target controls covered
2%
APRA CPS 230 Operational Risk Management
1 source controls mapped|1 target controls covered
2%
NFPA 1600 - Standard on Continuity, Emergency, and Crisis Management
1 source controls mapped|1 target controls covered
2%
Telecommunications Sector Security Reforms (TSSR)
1 source controls mapped|1 target controls covered
2%
UNICEF Policy Guidance on AI for Children (2021)
1 source controls mapped|1 target controls covered
2%
Student Privacy Pledge 2020
1 source controls mapped|1 target controls covered
2%
Australian Privacy Principles (APPs)
1 source controls mapped|3 target controls covered
2%
Estonia Personal Data Protection Act (Isikuandmete kaitse seadus, 2019)
1 source controls mapped|1 target controls covered
2%
UK Data Protection Act 2018
1 source controls mapped|3 target controls covered
2%
Uganda Data Protection and Privacy Act (2019)
1 source controls mapped|2 target controls covered
2%
Latvia Personal Data Processing Law (Fizisko personu datu apstrades likums, 2018)
1 source controls mapped|1 target controls covered
2%
Section 508 - ICT Accessibility (Revised)
1 source controls mapped|2 target controls covered
2%
Authorised Economic Operator (AEO) Programmes - Global Standards
1 source controls mapped|1 target controls covered
2%
Compare UK Open Banking Standard with SSAE 18 - Attestation Standards (SOC Reporting)

Coverage is not the same as your position

This page shows what UK Open Banking Standard overlaps with in general. Where your organisation actually stands, against the standard you are going for and the certifications you already hold, is a different question. Same graph and the same recorded refutations, scoped to you rather than to a pair.

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What is UK Open Banking Standard and who does it apply to?

UK Open Banking Standard is a compliance framework from United Kingdom with 2 domains and 16 controls. UK open banking as it binds in 2026: the CMA's Retail Banking Market Investigation Order 2017 requires the CMA9 to fund Open Banking Limited, deliver the Roadmap (including variable recurring payments for sweeping, narrowed by the CMA in December 2025), obey the Trustee, publish open product, branch, ATM and service data, give free read and write API access to personal and SME current accounts and release loan pricing data; the Open Banking Standard (Read-Write API Profile v4.0 with FAPI 1.0 Advanced and ISO 20022, directory and certificates, customer experience parity, operational availability and reporting, access dashboards, counter-fraud practice) is mandatory for the CMA9 and voluntary for others, while all account providers remain bound by the Payment Services Regulations 2017 access rules. An FCA-led Future Entity is to succeed Open Banking Limited under Data (Use and Access) Act 2025 powers, not yet in force. It is used by organisations to establish and maintain compliance with industry standards and regulatory requirements.

What does UK Open Banking Standard actually require?

UK Open Banking Standard has 16 controls organised across 2 domains. The largest domains are CMA Order duties of the CMA9 (Part 2 and article 32) – UK Open Banking Standard (9 controls), The Open Banking Standard (API, security, customer experience, operations) – UK Open Banking Standard (7 controls). Each control defines specific requirements that organisations must implement to achieve compliance.

If I already comply with another framework, how much of UK Open Banking Standard do I already cover?

UK Open Banking Standard maps to 180 other compliance frameworks. The top mapping partners are SSAE 18 - Attestation Standards (SOC Reporting) (20% coverage), O-RAN WG11 Security Specification (17% coverage), NIST Privacy Framework (17% coverage). Use our comparison tool to explore control-level mappings between frameworks.

How do I implement UK Open Banking Standard?

Start your UK Open Banking Standard compliance journey by running a self-assessment on our platform to identify your current compliance posture. Our AI advisory can answer specific questions about UK Open Banking Standard requirements, and cross-framework mapping helps you leverage existing controls from other frameworks you may already comply with. Create a free account to access all 16 controls and track your progress.

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