UK Open Banking — Developer Guide (2026)

ClickMasters Open Banking integration costs: (1) TrueLayer AISP integration (bank data — income verification, 3-month statements): £6,000–£12,000 (3–5 weeks). (2) TrueLayer PISP integration (payment initiation — account-to-account): £8,000–£16,000 (4–6 weeks). (3) CMA9 direct bank API integration (if own FCA licence): £15,000–£40,000 per bank (8–14 weeks per bank + FCA authorisation cost). For most UK FinTech: TrueLayer or Yapily aggregator integration is the right choice — 2–4 weeks vs 12–18 months for direct FCA authorisation. Own FCA AISP/PISP licence only makes commercial sense above ~50,000 monthly API calls.

If you use an aggregator (TrueLayer or Yapily): no FCA authorisation needed — you use their regulated infrastructure. If you want to access bank APIs directly (own FCA authorisation): (1) AISP (Account Information Service Provider) — FCA Part 4A permission for account information services. (2) PISP (Payment Initiation Service Provider) — FCA Part 4A permission for payment initiation services. FCA AISP authorisation: typically £10,000–£50,000 in legal and FCA fees, 12–18 months. FCA PISP: £15,000–£60,000, 12–18 months. ClickMasters builds the Open Banking technical architecture — we work with specialist FCA authorisation lawyers (Harrison Clark Rickerbys, Addleshaw Goddard FinTech team) for the regulatory application.