HSBC Group developer portal > Open Banking APIs > Terms and conditions
Terms and conditions

Before using this site, you should read these terms & conditions carefully. provides documentation and a sandbox for the Open Banking APIs provided by members of the HSBC Group. The data provided through the associated APIs relates to the UK only, and is prepared to the Open API, data format and security standards as maintained by the Open Banking Implementation Entity (OBIE).

This document sets out the terms and conditions ('Terms') of (the 'Site'), governing your use of this Site together with the provision and use of any data obtained through APIs hosted on or accessed via this Site, to the extent allowed by law. By accessing this Site, you agree to be bound by the Terms and so, before using this Site, you should read the Terms carefully as well as the privacy notice. We may change the content or services found on this Site at any time without notice, and consequently our Terms may change at any time in the future. You agree to revisit this page regularly and your continued access to or use of the Site will mean that you agree to the changes. In the event of any conflict between these Terms and the provisions of any applicable licence to use the APIs under the Open Banking framework, then those licence terms take priority.

This Site is operated by HSBC Holdings plc. HSBC Holdings plc is a public limited company registered in England and Wales under Company Register Number 617987 and with its registered office at 8, Canada Square, London, England E14 5HQ.

  • References to the 'HSBC Group' mean HSBC Holdings plc, its subsidiaries and affiliated companies.
  • References to 'Local Sites' mean other HSBC pages and web sites or pages and web sites issued by other entities within the HSBC Group.
  • References to 'Site' mean and its associated APIs.
  • References to ‘Terms’ mean these terms and conditions.
  • References to 'we', 'us' and 'our' mean HSBC Holdings plc
  • References to 'you', 'your' and 'yours' mean the person(s) accessing the Site or any Local Site or using the APIs.

This Site gives you information about the open banking APIs provided by us and the other companies in our group. The Site is an information source and sandbox to inform software developers how to access our Open Banking APIs. You cannot purchase products or services from directly.

The Site is currently intended for those who access it from within the United Kingdom. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation, or is appropriate for use, in other places.

The provision of financial services or products

HSBC Holdings plc does not offer financial services or products and HSBC Holdings plc's operation of the Site, the APIs, or the sandbox, does not constitute an offer of any products or services provided by any of the HSBC Group members.


We do not use cookies on this website.

Web beacons and spotlight tags

This website may contain electronic images, known as web beacons or spotlight tags. These enable us to count users who have visited certain pages on the website. Web beacons and spotlight tags are simply tools used to obtain generic information about the web pages visited. They are not used to obtain information about specific users.

No offer

Information or opinions provided by us or through a third party on the Site should not be relied upon in connection with any financial decision and should not be used for investment advice, and do not constitute an offer to sell or solicitation of an offer to buy any product, service, securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. When making a decision about your investments, you should seek the advice of a professional financial adviser.

No warranties and limitation of liability

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or the rules of the FCA for the conduct of business.

The information contained on this Site is for information purposes only. HSBC Holdings plc does not hold itself out as providing legal, financial or other advice via the Site.

The contents of the Site are distributed to you without any warranty of any kind. We and the third party content providers disclaim any and all warranties. Information on the Site is provided on an "as is", "as available" basis and to the fullest extent permitted by law we do not give or make any warranty or representation of any kind, whether express or implied in respect of such information whether in respect of the Site. Your use of the Site is at your sole risk.

Whilst the data provided through this Site’s APIs is as accurate, comprehensive and up-to-date as reasonably practicable, no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. We do not warrant the accuracy, adequacy, completeness or timeliness of the information, material, products and services or the error-free use of the Site.

To the extent permissible by law and subject to the requirements of the Open Banking framework:

  • we do not represent or warrant that the Site will be constantly available or that it will meet your requirements, that access will be uninterrupted, or that there will be no delays, failures, errors or omissions or loss of transmitted information,
  • we make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site, and
  • we shall not be liable for any damages, losses or liabilities including without limitation, direct or indirect, special, incidental, consequential damages, losses or liabilities, in connection with your use of the Site or your reliance on or use or inability to use the information, materials, products and services on the Site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, or line or system failure, even if you advise us of the possibility of such damages, losses or expenses.

Links to third party Sites or content

Your use of hyperlinks on the Site is at your own risk. We provide hyperlinks to other locations on the Internet for information and convenience purposes only. No endorsement of third party web sites or content is implied. We are not responsible for the content of any other web sites or pages linked to or from the Site or any local Site. We have not verified the content of any such web sites, or pages. It is recommended that you view the linked website's terms or privacy notice pages to understand how use of that website may affect you.

We are not responsible for the accuracy, timeliness or the continued availability or the existence of content, hyperlinks, or third party web sites or pages linked to the Site. When you access or link to any other website, please read the terms and privacy notice issued by such other website to determine the policies that apply to information or data maintained by that website. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

The Site may offer access to news services, market analysis, financial planning tools or other information provided by third parties on the Site. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on the Site. We do not control, cannot guarantee, and are not responsible for the accuracy, timeliness or even the continued availability or existence of such content.

Internet e-mail

Do not use ordinary e-mail to communicate personal or confidential information to us. Use the secure server available at your Local Site. Ordinary e-mail messages sent over the Internet may be intercepted, lost or altered. We are not responsible for them and will not be liable to you or anyone else for any damages in connection with any messages sent by you to us using ordinary e-mail.

Trademarks and copyright

Use of any data obtained via the Site’s APIs is governed by the licensing framework of Open Banking.

Copyright in the pages, screens, information, and all material in their arrangement, included in the Site or any Local site is owned by or licensed to us or the HSBC Group unless otherwise noted. You may imprint, copy, download or temporarily store extracts from the Site or any Local site for your personal information or when you use any products and services of any Local Site. You may not alter or otherwise make any changes to any material that you print or download from the Site or any Local Site, including, without limitation, removing any identifying marks or legends from such material. You may not distribute these materials to others. Any other use is prohibited unless you first request and obtain our written permission. In particular, no one may use a part of the Site or any Local site on any other website, or link any other website to the Site or any Local Site, without our prior written permission or the consent of the relevant HSBC Group member.

Content from a third party provider available on or through the Site or any Local Site may not be duplicated, distributed, published, transferred, transmitted, copied, altered, sold, used to create derivative works or otherwise misused. You must comply with all terms disclosed to you as required from time to time by any third party supplier of data or services to the Site or any Local Site, including but not limited to, where necessary, entering into a direct agreement with such third party in respect of your use of their data.

You may not use the Site or any Local site for any purpose which is unlawful, abusive, libelous, obscene or threatening.

HSBC and HSBC UK are trade marks of HSBC Group Management Services plc and all rights in and to HSBC and HSBC UK vest in HSBC Group Management Services plc. Other than as provided above you may not use or reproduce the HSBC and HSBC UK trade marks, logos or brand names.

M&S Bank is a trading name of Marks & Spencer Financial Services plc and all rights in and to M&S Bank vest in Marks & Spencer Financial Services plc. Other than as provided above you may not use or reproduce the M&S Bank logo or brand name.

first direct is a trading name and trade mark of HSBC UK Bank plc and all rights in and to first direct vest in HSBC UK Bank plc. Other than as provided above you may not use or reproduce the first direct trade mark, logo or brand name.

Not intended for children

The Site is not intended for use by minors.

Governing law

The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have exclusive jurisdiction in respect of any dispute, which may arise.

Data Treasury Corporation (DTC) Licence

HSBC is licensed by DTC under U.S. Patent Nos. 5,910,988; 6,032,137; 6,594,647; 6,341,272; 5,974,146.

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