> For the complete documentation index, see [llms.txt](https://doc.api.tieto.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://doc.api.tieto.com/api-references/obl-standard.md).

# OBL Standard

The UK did not adopt the Berlin Group standard. It has its own — the Open Banking Standard, maintained by Open Banking Limited — and UK third parties are built against it. If your tenants serve UK customers, this is the interface those third parties expect to find.

The platform publishes three OBL APIs at **v4.0.1** from the same installation that serves Berlin Group markets, so an operator with tenants on both sides of the Channel runs one platform rather than two, with each market's rules applied per API product. UK onboarding is also more automated than the EU equivalent: third parties register themselves through the Open Banking Directory instead of exchanging certificates by hand, which shortens the path from a provider's first interest to their first live call — once for your whole tenant base, not once per bank.

|                                                                                            |                                                                |
| ------------------------------------------------------------------------------------------ | -------------------------------------------------------------- |
| [Account and Transaction API](/api-references/obl-standard/account-and-transaction-api.md) | Accounts, balances, transactions and standing data             |
| [Payment Initiation API](/api-references/obl-standard/payment-initiation-api.md)           | Domestic, scheduled, standing order and international payments |
| [Confirmation of Funds API](/api-references/obl-standard/confirmation-of-funds-api.md)     | A yes or no funds check, with no balance disclosed             |

The regulatory picture — how the UK profile differs and what the CMA and FCA require to be reported — is covered under [UK Open Banking Standard (OBL)](/standards-and-compliance/uk-open-banking-obl.md).


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