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issue 1 of 1311

Lloyds Group Instant access savings accounts unsupported

Description

Thread below, Lloyds interpretation is that Instant Access Savings are not required to be provided to Open Banking consumers. Xero customers want to share these accounts and are very unhappy.

Would like advice from OBIE on if Lloyds interpretation is correct.

Also, Open Banking is meant to improve things for consumers not make it worse than it currently is, so if the interpretation is correct this a complete fail of Open Banking as you are removing consumer rights to share their data and go about their business as they need to. Is Xero free to forward all complaints to OBIE or the OTT?

Aimee Ferguson aimee.ferguson@xero.com
Sent: 04 November 2019 00:09
To: $OB Response team <OBResponseteam@lloydsbanking.com>
Subject: Customer unable to consent 

Hi Lloyds 

One of our mutual business banking customers when providing consent to Xero is not able to connect their savings account. They are able to successfully connect their current account and credit card but the savings account does not show for selection,  The customer has said their account is a 'Business Banking Instant Access" savings account which falls under PSD2 from my understanding.  

The account number ends in 9768 and they login to Business banking online with the following company id 975968254. 

Any assistance you can provide on this matter would be appreciated. 

Thanks 
Aimee

On Wed, Nov 6, 2019 at 4:46 AM $OB Response team <OBResponseteam@lloydsbanking.com> wrote:Classification: Public 
Hi Aimee, 
Thanks for bringing this to our attention. We’ve got a bug raised to investigate the reason for this issue and will keep you updated on progress. 
Many thanks,  
Amy

On Wed, Nov 13, 2019 at 11:00 AM Aimee Ferguson <aimee.ferguson@xero.com> wrote:
Hi Amy
Is there any update you can provide on this please? 
Thanks 
Aimee  

Tue, 19 Nov 2019 at 21:36, Aimee Ferguson <aimee.ferguson@xero.com> wrote:
Hi Lloyds 
Is there an update on this please?
Has been several weeks.
In addition, we have another customer with similar sounding issue Username: ***, account ending 1260 with an instant deposit account. 

Thanks 
Aimee  

From: Sinitta Rathod bankingteam@xero.com
Sent: 03 December 2019 22:05
To: $OB Response team <OBResponseteam@lloydsbanking.com>
Cc: Aimee Ferguson <aimee.ferguson@xero.com>
Subject: Re: Customer unable to consent 

Hi Lloyds 
Has there been any progress with this?
We have another customer who is having the same issue, this appears to be affecting Business Instant Access Account's. 
Username: ***, account ending 0360 with a Business Instant Access Account. 
Cheers 
Sinitta Rathod

On Thu, Dec 5, 2019 at 4:36 AM $OB Response team <OBResponseteam@lloydsbanking.com> wrote:Classification: Public 

Hi Aimee, Sintta, 

Apologies for the delayed response on this matter. For all examples you’ve sent to us we’ve identified the same issue which is that these particular accounts are not in scope for Open Banking.

Certain account types do not have any protections under the PSRs (Payment Systems Regulator) and as such the ASPSPs are not obligated to provide access to these accounts to authorised third parties.  

Any losses attributable to an AISP’s interaction with or a PISP’s instruction from these account types would not be recoverable by Lloyds Banking Group under the PSRs. Lloyds Banking Group has taken the decision to exclude these account types from Open Banking. 

We are undertaking work to provide TPPs with further information on the account types that are out of scope and therefore would not be presented to customers on the Open Banking consent journey. 

Many thanks,  
Amy 

From: Aimee Ferguson aimee.ferguson@xero.com
Sent: 04 December 2019 20:32
To: $OB Response team <OBResponseteam@lloydsbanking.com>; Open Banking Service Desk <ServiceDesk@openbanking.org.uk>
Cc: bankingteam@xero.com
Subject: Re: Customer unable to consent 

Hi Amy 

Why has it taken a full month to provide this information? 

My understanding of PSD2 is that savings account that are instant access like this are well within scope of PSD2 and the CMA order. 
@Open Banking Service Desk are you able to provide opinion on this matter? 

Thanks 

Aimee  

On Thu, Dec 5, 2019 at 9:30 PM $OB Response team <OBResponseteam@lloydsbanking.com> wrote:
Classification: Public 

Good morning Amy, 

I believe LBGs interpretation of the legislation has been clearly articulated below.
As to the delay in our response to this query, that was at my request as I wanted to  double check with our in-house legal counsel that our technical implementation matched the legal advice that we had been given. We are satisfied that it does. 

I would welcome the views of the OBIE, but rather than sending an email to the Service desk I would recommend raising an OBSD ticket to cover the matter. I would also suggest that the FCA are perhaps better placed to opine on the matter.
I will also raise the matter with them at our next bi-lateral. 

Regards, 
Nicholas Krizanac

Technical Impact

-

Workaround

None

Resolution Notes

None

Impact Assessment

-

Status

Assignee

Unassigned

Reporter

Service Desk

Reference

None

Service Desk Reference

OBSD-12543

ASPSP

Query Type

None

Created (Original)

Dec 05, 2019, 9:17 AM

TPP Impact

None

TPP

Issue Summary

Lloyds Group Instant access savings accounts unsupported

OB Environment

None

Business Impact Severity

Level 1

Share

Yes
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