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UK Open Banking Standard

Self-Assess
United Kingdom
v2017 (JROC transition 2024+)
9 domains
25 controls

The UK Open Banking Standard, established by the Competition and Markets Authority (CMA) Open Banking Order 2017, requires the nine largest UK banks (CMA9) to share customer data securely with authorised third-party providers (TPPs) via standardised APIs. Managed by the Open Banking Implementation Entity (OBIE), it enables Account Information Services (AIS) and Payment Initiation Services (PIS). Transitioning to a long-term framework under the Joint Regulatory Oversight Committee (JROC).

Verified

UK Open Banking Standard is a compliance framework from United Kingdom with 9 domains and 25 controls that map to 192 other frameworks. The largest domains are Customer Experience and Consent (5 controls), API Specifications (4 controls), Directory and Participation (4 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 AI-assisted interpretations 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 (9)

API Specifications

4 controls

API Specifications

Controls in the API Specifications domain of UK Open Banking Standard — 4 controls
CodeTitle
OB-API.1Read/Write API Specification
OB-API.2Open Data API Specification
OB-API.3Dynamic Client Registration
OB-API.4MI Reporting Specification

Consent

1 controls
Controls in the Consent domain of UK Open Banking Standard — 1 controls
CodeTitle
UKOBS-3Consent Management and Data Sharing

Customer Experience and Consent

5 controls

Customer Experience and Consent

Controls in the Customer Experience and Consent domain of UK Open Banking Standard — 5 controls
CodeTitle
OB-CX.1Explicit Customer Consent
OB-CX.2Granular Consent Management
OB-CX.3Strong Customer Authentication
OB-CX.4Consent Dashboard
OB-CX.5Consent Revocation

Directory and Participation

4 controls

Directory and Participation

Controls in the Directory and Participation domain of UK Open Banking Standard — 4 controls
CodeTitle
OB-DIR.1Open Banking Directory
OB-DIR.2Participant Onboarding
OB-DIR.3Software Statement Assertions
OB-DIR.4Dispute Management

Operational Guidelines

4 controls

Operational Guidelines

Controls in the Operational Guidelines domain of UK Open Banking Standard — 4 controls
CodeTitle
OB-OPS.1API Availability Requirements
OB-OPS.2Performance Standards
OB-OPS.3CMA9 Conformance Monitoring
OB-OPS.4Incident Management

Scope

1 controls
Controls in the Scope domain of UK Open Banking Standard — 1 controls
CodeTitle
UKOBS-1Open Banking Scope and Participant Status

Security Profile

4 controls

Security Profile

Controls in the Security Profile domain of UK Open Banking Standard — 4 controls
CodeTitle
OB-SEC.1FAPI Security Profile Compliance
OB-SEC.2Transport Layer Security
OB-SEC.3OAuth 2.0 and OpenID Connect
OB-SEC.4Certificate Management

Technical

1 controls
Controls in the Technical domain of UK Open Banking Standard — 1 controls
CodeTitle
UKOBS-2FAPI 2.0 + SCA + API Specifications

VRP

1 controls
Controls in the VRP domain of UK Open Banking Standard — 1 controls
CodeTitle
UKOBS-4Variable Recurring Payments (VRPs) and Open Finance

Your Compliance Coverage

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

SSAE 18 - Attestation Standards (SOC Reporting)

32%

8 controls mapped

Compare →

O-RAN WG11 Security Specification

28%

7 controls mapped

Compare →

FTC GLBA Safeguards Rule (16 CFR Part 314)

28%

7 controls mapped

Compare →

+ 189 more: Singapore Government Instruction Manual on ICT&SS Management (IM8) (28%), South Korea ISMS-P (28%)

See all 192 mapped frameworks ↓

Maps to 192 other frameworks

25 total controls
SSAE 18 - Attestation Standards (SOC Reporting)
8 source controls mapped|7 target controls covered
32%
O-RAN WG11 Security Specification
7 source controls mapped|3 target controls covered
28%
FTC GLBA Safeguards Rule (16 CFR Part 314)
7 source controls mapped|3 target controls covered
28%
Singapore Government Instruction Manual on ICT&SS Management (IM8)
7 source controls mapped|7 target controls covered
28%
South Korea ISMS-P
7 source controls mapped|6 target controls covered
28%
ASD Strategies to Mitigate Cyber Security Incidents
7 source controls mapped|5 target controls covered
28%
NIST Privacy Framework
7 source controls mapped|6 target controls covered
28%
DAMA-DMBOK2 - Data Management Body of Knowledge (2nd Edition)
7 source controls mapped|5 target controls covered
28%
NIST Cybersecurity Framework 2.0
7 source controls mapped|10 target controls covered
28%
TISAX - Trusted Information Security Assessment Exchange
6 source controls mapped|5 target controls covered
24%
PSD2 SCA
6 source controls mapped|4 target controls covered
24%
OSFI B-13
6 source controls mapped|5 target controls covered
24%
Open Banking Security
6 source controls mapped|5 target controls covered
24%
Oman National Cybersecurity Framework
6 source controls mapped|3 target controls covered
24%
NIST SP 800-124 Revision 2 - Guidelines for Managing the Security of Mobile Devices
6 source controls mapped|7 target controls covered
24%
NIST SP 800-171A Rev 3 - Assessing CUI Security Requirements
6 source controls mapped|10 target controls covered
24%
FFIEC IT Examination Handbook
6 source controls mapped|8 target controls covered
24%
Switzerland New Federal Act on Data Protection (nFADP/nDSG, 2023)
6 source controls mapped|12 target controls covered
24%
ISO 27017
6 source controls mapped|4 target controls covered
24%
ISO 27018
6 source controls mapped|4 target controls covered
24%
ISO/IEC 27400:2022
6 source controls mapped|5 target controls covered
24%
NIST SP 800-190
6 source controls mapped|4 target controls covered
24%
PCI SSF
6 source controls mapped|8 target controls covered
24%
PCI P2PE
6 source controls mapped|8 target controls covered
24%
PCI PIN Security
6 source controls mapped|8 target controls covered
24%
SOC for Cybersecurity - Cybersecurity Risk Management Examination
6 source controls mapped|4 target controls covered
24%
ITU-T X.805 - Security Architecture for End-to-End Communications
6 source controls mapped|3 target controls covered
24%
Virginia CDPA
5 source controls mapped|3 target controls covered
20%
Vietnam PDPD
5 source controls mapped|2 target controls covered
20%
Uruguay DPL
5 source controls mapped|5 target controls covered
20%
Texas Data Privacy Act
5 source controls mapped|3 target controls covered
20%
Taiwan PDPA
5 source controls mapped|2 target controls covered
20%
SLSA
5 source controls mapped|2 target controls covered
20%
SIG (Shared Assessments)
5 source controls mapped|3 target controls covered
20%
PTES
5 source controls mapped|3 target controls covered
20%
Qatar DPL
5 source controls mapped|4 target controls covered
20%
POPIA
5 source controls mapped|3 target controls covered
20%
Peru DPL
5 source controls mapped|4 target controls covered
20%
PDPA Thailand
5 source controls mapped|3 target controls covered
20%
PDPA Singapore
5 source controls mapped|4 target controls covered
20%
PAS 1192-5:2015 - Security-Minded Approach to BIM and Digital Built Environments
5 source controls mapped|2 target controls covered
20%
OWASP SAMM
5 source controls mapped|2 target controls covered
20%
Oregon Consumer Privacy Act
5 source controls mapped|4 target controls covered
20%
OpenSSF Scorecard
5 source controls mapped|3 target controls covered
20%
Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (UAE PDPL)
5 source controls mapped|4 target controls covered
20%
ISO/SAE 21434
5 source controls mapped|6 target controls covered
20%
ISO 27043
5 source controls mapped|6 target controls covered
20%
IEC 62351 - Power Systems Communication Security
5 source controls mapped|4 target controls covered
20%
AWWA Cybersecurity Guidance for the Water Sector (American Water Works Association)
5 source controls mapped|4 target controls covered
20%
ISO 19011
5 source controls mapped|4 target controls covered
20%
ISO 15189:2022 - Medical Laboratories Requirements for Quality and Competence
5 source controls mapped|7 target controls covered
20%
NIST SP 800-53 Rev 5
5 source controls mapped|8 target controls covered
20%
CISA Cross-Sector Cybersecurity Performance Goals (CPG) 2.0
5 source controls mapped|7 target controls covered
20%
MARS-E - Minimum Acceptable Risk Standards for Exchanges
5 source controls mapped|3 target controls covered
20%
BSI IT-Grundschutz
5 source controls mapped|5 target controls covered
20%
APPI
5 source controls mapped|7 target controls covered
20%
Bahrain PDPL
5 source controls mapped|7 target controls covered
20%
ISO 20000-1
5 source controls mapped|3 target controls covered
20%
Saudi Arabia PDPL
5 source controls mapped|6 target controls covered
20%
Regional Comprehensive Economic Partnership (RCEP) - E-Commerce Chapter
5 source controls mapped|1 target controls covered
20%
Florida Digital Bill of Rights (FDBR)
5 source controls mapped|4 target controls covered
20%
UK Telecommunications (Security) Act 2021
5 source controls mapped|3 target controls covered
20%
SOC 2
5 source controls mapped|9 target controls covered
20%
Sigstore - Software Artifact Signing and Verification
4 source controls mapped|3 target controls covered
16%
Secure by Design: A Guide for Manufacturers (CISA)
4 source controls mapped|2 target controls covered
16%
FIDO2 / WebAuthn
4 source controls mapped|1 target controls covered
16%
ISO/IEC 23837 - Security Requirements for Quantum Key Distribution
4 source controls mapped|3 target controls covered
16%
ISO 13485
4 source controls mapped|4 target controls covered
16%
ISO 22739:2024 - Blockchain and Distributed Ledger Technologies Vocabulary
4 source controls mapped|4 target controls covered
16%
ISO 27799
4 source controls mapped|3 target controls covered
16%
ISO/IEC 29115:2023 - Entity Authentication Assurance Framework
4 source controls mapped|4 target controls covered
16%
W3C Verifiable Credentials (VC) Data Model 2.0
4 source controls mapped|2 target controls covered
16%
3GPP 5G Security Architecture (TS 33.501)
4 source controls mapped|3 target controls covered
16%
WCAG 2.2
4 source controls mapped|1 target controls covered
16%
TSA Pipeline Cybersecurity Directives
4 source controls mapped|1 target controls covered
16%
Illinois Biometric Information Privacy Act (BIPA)
4 source controls mapped|2 target controls covered
16%
US Consumer Product Safety Commission (CPSC) - Connected Product Safety
4 source controls mapped|2 target controls covered
16%
US Maritime Transportation Security Act (MTSA) and USCG Cybersecurity Requirements
4 source controls mapped|2 target controls covered
16%
Armenia Law on Protection of Personal Data (2015)
4 source controls mapped|4 target controls covered
16%
UK GDPR (UK General Data Protection Regulation)
4 source controls mapped|3 target controls covered
16%
South Korea PIPA
4 source controls mapped|3 target controls covered
16%
Barbados Data Protection Act 2019
4 source controls mapped|5 target controls covered
16%
ISO/IEC 38500:2024 - Governance of IT
4 source controls mapped|5 target controls covered
16%
ASIS SPC.1-2009 - Organizational Resilience Standard
4 source controls mapped|4 target controls covered
16%
NATO STANAG 4774 (Confidentiality Metadata Labels) and STANAG 4778 (Metadata Binding)
3 source controls mapped|2 target controls covered
12%
ISO/IEC 27010:2015
3 source controls mapped|2 target controls covered
12%
ISO 31000:2018
3 source controls mapped|2 target controls covered
12%
Bank Secrecy Act / Anti-Money Laundering (BSA/AML)
3 source controls mapped|1 target controls covered
12%
AML/CTF Act 2006 (Australia)
3 source controls mapped|1 target controls covered
12%
Trinidad and Tobago Data Protection Act 2011
3 source controls mapped|5 target controls covered
12%
Tanzania Personal Data Protection Act (Draft)
3 source controls mapped|4 target controls covered
12%
COBIT 2019
3 source controls mapped|2 target controls covered
12%
ISO/IEC 27031:2011
3 source controls mapped|3 target controls covered
12%
ISO/IEC 27007:2020
3 source controls mapped|2 target controls covered
12%
ISO/IEC 25012:2008 - Data Quality Model
3 source controls mapped|3 target controls covered
12%
AICPA Privacy Management Framework (PMF)
3 source controls mapped|6 target controls covered
12%
WHO Global Strategy on Digital Health 2020-2025
3 source controls mapped|4 target controls covered
12%
COSO Internal Control - Integrated Framework (2013)
3 source controls mapped|4 target controls covered
12%
APRA CPS 234
3 source controls mapped|4 target controls covered
12%
ITIL 4
3 source controls mapped|2 target controls covered
12%
FFIEC Cybersecurity Assessment Tool (CAT)
3 source controls mapped|2 target controls covered
12%
Security of Critical Infrastructure Act 2018 (SOCI)
3 source controls mapped|5 target controls covered
12%
South Africa Promotion of Access to Information Act (PAIA)
3 source controls mapped|2 target controls covered
12%
UK AI Regulation Framework
3 source controls mapped|2 target controls covered
12%
SASB Standards
3 source controls mapped|5 target controls covered
12%
OECD AI Principles
3 source controls mapped|2 target controls covered
12%
FBI CJIS Security Policy
2 source controls mapped|2 target controls covered
8%
ISO/IEC 27011:2024
2 source controls mapped|1 target controls covered
8%
AS9100D:2016 - Quality Management Systems for Aviation, Space, and Defence
2 source controls mapped|1 target controls covered
8%
ISO 27005
2 source controls mapped|1 target controls covered
8%
US ITAR and EAR - Export Control and Data Security
2 source controls mapped|2 target controls covered
8%
NSA Guidance for Transition to Quantum-Resistant Cryptography
2 source controls mapped|3 target controls covered
8%
UK Gambling Commission - Cyber Resilience Requirements
2 source controls mapped|2 target controls covered
8%
ISO/IEC 27557:2022 - Organisational Privacy Risk Management
2 source controls mapped|2 target controls covered
8%
ISO 8000 - Data Quality
2 source controls mapped|3 target controls covered
8%
ISO/IEC 23894:2023
2 source controls mapped|4 target controls covered
8%
Austria Data Protection Act (Datenschutzgesetz, DSG, amended 2018)
2 source controls mapped|5 target controls covered
8%
ISO 22320:2018
2 source controls mapped|6 target controls covered
8%
Azerbaijan Law on Personal Data (2010)
2 source controls mapped|4 target controls covered
8%
Albania Law on Protection of Personal Data (Law No. 9887, 2008, amended 2014)
2 source controls mapped|3 target controls covered
8%
ISO/IEC 30111:2019
2 source controls mapped|2 target controls covered
8%
ISO/IEC 29100:2024
2 source controls mapped|4 target controls covered
8%
Annex 11 to EU GMP - Computerised Systems
2 source controls mapped|4 target controls covered
8%
ISO 28001:2007 Supply Chain Security Management
2 source controls mapped|2 target controls covered
8%
SANS Incident Handler's Handbook and PICERL Methodology
2 source controls mapped|5 target controls covered
8%
Rhode Island Data Transparency and Privacy Protection Act (RIDTPPA)
2 source controls mapped|2 target controls covered
8%
NRC 10 CFR 73.54 - Nuclear Facility Cybersecurity
2 source controls mapped|4 target controls covered
8%
Sweden Data Protection Act (Dataskyddslag, 2018:218)
2 source controls mapped|3 target controls covered
8%
UK FCA/PRA Operational Resilience Framework
2 source controls mapped|1 target controls covered
8%
US EPA Safe Drinking Water Act (SDWA) - Cybersecurity Requirements
2 source controls mapped|1 target controls covered
8%
BS 65000:2014 - Guidance on Organizational Resilience
2 source controls mapped|1 target controls covered
8%
UK Security and Emergency Measures Direction (SEMD) - Water Industry
2 source controls mapped|2 target controls covered
8%
GDPR
2 source controls mapped|6 target controls covered
8%
Azure Security Benchmark
2 source controls mapped|1 target controls covered
8%
UK Age Appropriate Design Code (Children's Code)
2 source controls mapped|5 target controls covered
8%
UK Bribery Act 2010
1 source controls mapped|3 target controls covered
4%
PIC/S Guide to Good Manufacturing Practice for Medicinal Products
1 source controls mapped|3 target controls covered
4%
Philippines Cybercrime Prevention Act (RA 10175)
1 source controls mapped|1 target controls covered
4%
ICH Q10 - Pharmaceutical Quality System
1 source controls mapped|2 target controls covered
4%
IATA Operational Safety Audit (IOSA) Standards Manual
1 source controls mapped|1 target controls covered
4%
French Sapin II Law (Law No. 2016-1691)
1 source controls mapped|1 target controls covered
4%
IEC 60601-1 - Medical Electrical Equipment Safety
1 source controls mapped|2 target controls covered
4%
FedRAMP High
1 source controls mapped|1 target controls covered
4%
NIST SP 800-53 Revision 5.1 HIGH
1 source controls mapped|1 target controls covered
4%
FedRAMP Moderate
1 source controls mapped|1 target controls covered
4%
NIST SP 800-53 Rev 5 MODERATE
1 source controls mapped|1 target controls covered
4%
NIST SP 800-53 Rev 5 LOW
1 source controls mapped|1 target controls covered
4%
BRCGS Global Standard for Food Safety Issue 9
1 source controls mapped|3 target controls covered
4%
ISO/IEC 27003:2017
1 source controls mapped|1 target controls covered
4%
ISO/IEC 29147:2018
1 source controls mapped|1 target controls covered
4%
ISO 41001:2018 - Facility Management Systems
1 source controls mapped|2 target controls covered
4%
Automotive SPICE (ASPICE) v4.0 - Process Assessment Model
1 source controls mapped|2 target controls covered
4%
US Foreign Corrupt Practices Act (FCPA)
1 source controls mapped|1 target controls covered
4%
IEC 62304:2015 Medical Device Software Lifecycle Processes
1 source controls mapped|3 target controls covered
4%
ISO/IEC 17025:2017 - General Requirements for Testing and Calibration
1 source controls mapped|2 target controls covered
4%
Science Based Targets Initiative (SBTi) - Net-Zero Standard
1 source controls mapped|2 target controls covered
4%
ISO 19650 - Organisation and Digitisation of Information about Buildings and Civil Engineering Works (BIM)
1 source controls mapped|3 target controls covered
4%
Kuwait National Cybersecurity Framework
1 source controls mapped|1 target controls covered
4%
ISO 37000:2021 - Governance of Organizations
1 source controls mapped|3 target controls covered
4%
ISO/IEC 27004:2016
1 source controls mapped|2 target controls covered
4%
PCI DSS 4.0
1 source controls mapped|1 target controls covered
4%
Nebraska Data Privacy Act
1 source controls mapped|2 target controls covered
4%
IAIS Insurance Core Principles (ICPs)
1 source controls mapped|1 target controls covered
4%
ISO 14064 - Greenhouse Gas Accounting and Verification (Parts 1-3)
1 source controls mapped|1 target controls covered
4%
ISO 20400:2017 - Sustainable Procurement
1 source controls mapped|2 target controls covered
4%
ISO 56002
1 source controls mapped|2 target controls covered
4%
ISO 26262:2018 - Functional Safety for Road Vehicles
1 source controls mapped|1 target controls covered
4%
US SEC Digital Assets and Crypto Regulatory Framework
1 source controls mapped|2 target controls covered
4%
Singapore Cybersecurity Act 2018
1 source controls mapped|1 target controls covered
4%
Papua New Guinea National Cybersecurity Policy & Cybercrime Act (2016)
1 source controls mapped|1 target controls covered
4%
Nevada Gaming Control Board Cybersecurity Requirements
1 source controls mapped|1 target controls covered
4%
API 1164
1 source controls mapped|3 target controls covered
4%
ISO 27019
1 source controls mapped|3 target controls covered
4%
UK Defence Standard 05-138 - Cyber Security for Defence Suppliers
1 source controls mapped|2 target controls covered
4%
Canada ITSG-33 - IT Security Risk Management
1 source controls mapped|1 target controls covered
4%
NIST SP 1800-32
1 source controls mapped|3 target controls covered
4%
IEC 62443
1 source controls mapped|3 target controls covered
4%
NIST SP 800-171
1 source controls mapped|1 target controls covered
4%
EASA Part-IS - Information Security in Aviation
1 source controls mapped|3 target controls covered
4%
APRA CPS 230 Operational Risk Management
1 source controls mapped|1 target controls covered
4%
NFPA 1600 - Standard on Continuity, Emergency, and Crisis Management
1 source controls mapped|1 target controls covered
4%
Telecommunications Sector Security Reforms (TSSR)
1 source controls mapped|1 target controls covered
4%
UNICEF Policy Guidance on AI for Children (2021)
1 source controls mapped|1 target controls covered
4%
Student Privacy Pledge 2020
1 source controls mapped|1 target controls covered
4%
ISO/IEC 29134:2023
1 source controls mapped|1 target controls covered
4%
Australian Privacy Principles (APPs)
1 source controls mapped|3 target controls covered
4%
Estonia Personal Data Protection Act (Isikuandmete kaitse seadus, 2019)
1 source controls mapped|1 target controls covered
4%
UK Data Protection Act 2018
1 source controls mapped|3 target controls covered
4%
Uganda Data Protection and Privacy Act (2019)
1 source controls mapped|2 target controls covered
4%
Latvia Personal Data Processing Law (Fizisko personu datu apstrades likums, 2018)
1 source controls mapped|1 target controls covered
4%
Section 508 - ICT Accessibility (Revised)
1 source controls mapped|2 target controls covered
4%
Authorised Economic Operator (AEO) Programmes - Global Standards
1 source controls mapped|1 target controls covered
4%
Compare UK Open Banking Standard with SSAE 18 - Attestation Standards (SOC Reporting)

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

UK Open Banking Standard is a compliance framework from United Kingdom with 9 domains and 25 controls. The UK Open Banking Standard, established by the Competition and Markets Authority (CMA) Open Banking Order 2017, requires the nine largest UK banks (CMA9) to share customer data securely with authorised third-party providers (TPPs) via standardised APIs. Managed by the Open Banking Implementation Entity (OBIE), it enables Account Information Services (AIS) and Payment Initiation Services (PIS). Transitioning to a long-term framework under the Joint Regulatory Oversight Committee (JROC). 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 25 controls organised across 9 domains. The largest domains are Customer Experience and Consent (5 controls), API Specifications (4 controls), Directory and Participation (4 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 192 other compliance frameworks. The top mapping partners are SSAE 18 - Attestation Standards (SOC Reporting) (32% coverage), O-RAN WG11 Security Specification (28% coverage), FTC GLBA Safeguards Rule (16 CFR Part 314) (28% 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 25 controls and track your progress.

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