Page Comparison

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title	OB Standards

This Section applies to ASPSPs that have implemented OB Standards

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id	TC-OB Standards

-Have you Implemented OB Standards?	Yes No
Open Data - Which version have you Implemented?	None V2.2 V2.3 V2.4
Read/Write API Specification Implemented or planning to implement (Lowest version = Current, Highest version = Planned)	V3.0 V3.1 V3.1.1 V3.1.2 V3.1.3 V3.1.4 V3.1.5 V3.1.6 V3.1.7 V3.1.8 V3.1.9 V3.1.10 V3.1.11 V4.0	We are on 3.1.11 and currently working on uplifting to 4.0
Read/Write API - Which date are you planning to implement your latest version?
Have you implemented v4.0 information flows, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement Currently targeting March 2025	We continue to evaluate the non-mandatory changes relating to information flows. Details of any changes made as part of our V4 uplift will be provided via our developer portal once confirmed
Dynamic Client Registration - Which version have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	None V3.1 V3.2 V3.3
DCR - Which date are you planning to implement your latest version?
Have you implemented Trusted beneficiaries, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented Reverse Payments, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented ECA Standard?	Already Implemented Planning to implement Not planning to implement
ECA Implementation details
Have you implemented Bulk/File Payments?	Already Implemented Planning to implement Not planning to implement
Have you implemented VRP – Sweeping, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented VRP non-Sweeping, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement	Reviewing potential to offer non-sweeping VRP Contact: nationwideopenbanking@nationwide.co.uk
PISP - Single Payment Limit	New Payee - £25,000 Existing Payee - £25,000 Established Payee - £100,000 Low Risk - £100,000 High Risk (i.e Crypto) - £5,000
PISP - Daily Payment Limit	New Payee - £25,000 Existing Payee - £100,000 Established Payee - £100,000 Low Risk - £100,000 High Risk (i.e Crypto) - £5,000 There is an aggregate payment limit of £100,000 per day from a single account
How many months of transaction do you provide?	15months at initial authorisation, after that it is 90 days with additional data available via our statements API	CC data is limited to 90 days.
Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?	We have plans to but no date confirmed just yet
What is your approach to Implementing TRIs?	Accept payload with TRI fields – Process all fields Accept payload with TRI fields – Ignore all fields Reject payload with TRI fields – Error back to TPP Accept payload with TRI fields – Process few fields (Provide list of accepted fields)

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title	SCA-RTS 90-day reauth Implementation

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id	SCA-RTS

Which date are you planning on implementing the SCA reauthentication exemption?

20th September 2022

What is your approach to token management to enable application of the reauthentication exemption? (see link to FCA guidance)

AIS consents created after the implementation of the changes will remain valid until the Consent Expiry Date, if set. They will not normally need to be reauthenticated.

Existing AIS consents will require a final reauthentication, at which point they will remain valid until the Consent Expiry Date, if set. No further reauthentication will normally be required.

There are scenarios where a reauthentication may be necessary, including but not limited to:

Suspected fraud or unauthorised access
Where a Nationwide Member has revoked the access via our digital and/or mediated channels

Article 10A - Endpoints exempt of SCA-RTS

Accounts
Transactions (90days)
Balances
Standing orders
Direct debits
Beneficiaries
Products
Offers
Parties
Scheduled Payments
Statements

Article 10A - Endpoints not exempt of SCA-RTS

Transactions (more than 90days)
Standing orders
Direct debits
Beneficiaries
Products
Offers
Parties
Scheduled Payments
Statements

Article 10A - Maximum time period after authentication

Please specify the time period in minutes

SCA-RTS implementation status (updated by OBL PS team only)

Status

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title	Implemented

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title	PSD2

Page Properties

id	TC-PSD2

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	Yes, 24hrs
Transaction IDs Supported	March 2019 - Option 1 Supported	ASPSPs provide a Unique, Immutable TransactionID from their core system
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	1 Hour	When Strong Customer Authentication (SCA) is completed, you will be able to access all account information the customer has agreed they can access during the initial session (1 hour duration). For subsequent requests we will support requests for accounts, balances and for up to 90 days history of transactions data for 90 days following the authentication (provided the customer has allowed access for this period to the TPP)
Article 10 - Endpoints exempt of SCA	14th September 2019 GET /Accounts GET /accounts/{AccountId} GET /accounts/{AccountId}/balances GET /accounts/{AccountId}/transactions Access to accounts endpoints allows retrieval of the AccountId to call balance and transaction endpoints	Once initial SCA has been completed you will be able to access the following account information endpoints without SCA (provided the customer has allowed access on an enduring basis to the TPP) GET /Accounts GET /accounts/{AccountId} GET /accounts/{AccountId}/balances GET /accounts/{AccountId}/transactions Access to accounts endpoints allows retrieval of the AccountId to call balance and transaction endpoints
Major Milestones
Brand(s)

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