Pay directly from
your bank account.
No card details, no fraud risk, no remembered passwords. Open banking payments use your bank's own security to authenticate you. Fast, simple, and designed around your rights.
Learn more →Safer than card. Faster than transfer.
No card details shared
Your card number, expiry, and CVV never leave your bank. Authentication happens directly at your bank — you stay in control.
Instant confirmation
Bank-to-bank transfers clear in seconds on UK Faster Payments. No 3DS friction, no one-time SMS codes to hunt down.
Fraud-resistant by design
A2A payments require biometric or PIN SCA at your own bank. No CNP fraud vector. No stored credentials to be stolen.
Smart recurring payments
Set up variable recurring mandates with spending caps and frequency limits. Cancel permission instantly — any time.
Full payment history
See every open banking payment you've made across any bopen merchant, all in one place.
Self-service disputes
Something wrong? Raise a dispute directly. The merchant is notified immediately and must respond within 5 business days.
Variable Recurring Payments — you stay in control
VRP lets you authorise a merchant to collect regular payments — gym membership, subscription, utility bill — within hard spending limits you define.
Grant permission
Authorise a merchant at your bank — you set the max amount per payment and a monthly cap.
Payments execute
The merchant initiates payments within your limits. Each one requires no action from you.
Full visibility
See every payment in your bopen Payer Hub. Spending caps enforced by the platform — not just trust.
Cancel any time
One tap revokes the mandate — instantly, with no need to contact the merchant.
Gym Nationwide
ACTIVE- Monthly cap
- £40.00
- Expires
- 31 Dec 2026
- Type
- Variable Recurring
The Payer Hub
A lightweight, passwordless dashboard for every consumer who has made a bopen payment. Access via a secure magic link — no account registration needed.
Magic-link access
No password required. Enter your email or phone, receive a one-time secure link, done. Session lasts 15 minutes.
Active mandate overview
See every recurring payment permission you've granted — merchant name, spending cap, expiry, frequency.
Instant mandate revocation
A single prominent 'Cancel Permission' button revokes access immediately, both on the platform and at your bank.
Payment receipts
Full receipt for every payment: amount, merchant, end-to-end reference, date. Downloadable and auditable.
Dispute self-service
Select a reason (item not received, duplicate, incorrect amount) and describe the issue. The merchant is notified within seconds.
OBL CEG compliant
All consumer-facing features meet Open Banking Limited Customer Experience Guidelines — your rights are protected by regulation.
Your rights, built into the platform
bopen is designed to meet the Open Banking Limited Customer Experience Guidelines (OBL CEG) and FCA regulations for Payment Initiation Service Providers. Your ability to revoke payment mandates is a regulatory right — not a feature we can switch off.