Ozone APIvs
TrueLayer
TrueLayer: If you are a third party consuming bank APIs rather than a bank publishing them
Ozone API
Standards-compliant open banking API layer for banks and regulators
As of 1 September 2026, Ozone API's pricing is not published; the vendor quotes on request. Software that puts compliant open banking APIs in front of a bank core, built by people who wrote the UK open banking standard. Softwr lists it under APIs. Ozone API is made by Ozone API Ltd, available on Web, REST API, Linux.
Overview
What Ozone API does
Ozone API is a productised API layer that lets a bank, building society or other regulated institution publish account information and payment initiation APIs conforming to a given standard: UK Open Banking, Berlin Group, FDX, Consumer Data Right, Saudi and Bahraini standards and others. It handles consent management, strong customer authentication flows, dynamic client registration, directory integration, sandboxes, developer portals and the regulatory reporting that supervisors demand. The reason it exists is that compliance is a moving target. Standards revise, regulators audit availability and performance statistics, and a bank that hand-built its APIs finds itself maintaining specification changes forever. Ozone tracks the standards, and as open finance mandates spread beyond Europe, notably Canada under the Consumer Driven Banking Act and Colombia under Decree 0368 of 2026, the same platform covers new jurisdictions without a rebuild. Buyers are banks and financial institutions with a regulatory obligation, plus regulators and standards bodies building national infrastructure. The trade-off is that it solves the API surface, not the core: the bank still has to expose account and payment services from its own systems, and that integration is the real project.
What people use it for
- A building society facing an open banking compliance deadline with no API team of its own
- A bank operating in several jurisdictions that must satisfy different open banking standards at once
- A regulator or standards body building national open finance infrastructure
- A bank wanting to sell premium APIs beyond the regulatory minimum without building entitlement plumbing
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The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about Ozone API.
- It provides the API layer, not the core connectivity, so the bulk of the project is still integrating your own core banking systems and that cost is not in the licence.
- Value is driven by regulatory obligation, so an institution not under a mandate struggles to build a business case for the spend.
- It is a small UK vendor selling to large regulated institutions, which raises procurement and vendor viability questions during bank due diligence.
- Premium API monetisation is a genuine capability but few banks have found real demand, so revenue projections used to justify the purchase often do not materialise.
- Standards evolve continuously and each revision means a change programme in your own systems, even where Ozone absorbs the specification work at the API edge.
Cross-shopped
What people choose instead of Ozone API
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- Ozone APIvsSalt Edge
Salt Edge: If you want an aggregator that also offers compliance connectivity for banks
- Ozone APIvsEnable Banking
Enable Banking: If you need access to bank APIs across Europe rather than to publish your own
Pricing
What Ozone API costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Ozone API
On request
- Annual licence or managed service subscription, quoted
- Scaling by institution size, standards in scope and API call volume
- Implementation and core integration charged separately
- Additional cost for premium API monetisation modules
Capabilities
Features
Multi-standard support
UK Open Banking, Berlin Group, FDX, CDR and Gulf standards from one platform
Consent management
Consent capture, lifecycle, revocation and audit trail
Developer portal
Third-party onboarding, sandbox and dynamic client registration
Regulatory reporting
Availability and performance statistics in the format supervisors require
Premium API monetisation
Commercial APIs beyond the regulatory minimum, with entitlement control
Deployment flexibility
Managed service or deployment into the bank own cloud tenancy
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
Is this a competitor to Plaid or TrueLayer?
No, the opposite side. Ozone is bought by the bank exposing data; Plaid and TrueLayer consume it on behalf of third parties.
Does it connect to my core banking system?
It provides the standards-compliant API surface and adapters, but connecting your core is an integration project you scope separately.
Which standards does it support?
UK Open Banking, Berlin Group, FDX, Consumer Data Right and Gulf regional standards, among others, from one platform.
Keep looking
Where to go from Ozone API
- Ozone API alternativesEvery product people weigh against it
- Ozone API pricingPlans, floors and what the tiers exclude
- Ozone API badgesWhich rules it meets, and the figure behind each
- All APIs softwareThe full category
- Best APIs softwareThe shortlist, and how it was cut
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Compare Ozone API with
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- Salt Edge
- Enable Banking
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- Yodlee
- Swagger/OpenAPI
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Softwr does not host reviews and shows no star rating for Ozone API, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
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