This Section applies to ASPSPs that have implemented OB Standards
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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
Current Implementation is v3.1.10 for all Endpoints
LBG plans to implement v4.0 of the API standard for all endpoints by March 2025; further details on precise release timings will be communicated later
Implementation development is in progress for all brands (Halifax, Lloyds and Bank of Scotland)
We are currently evaluating dates for deprecation of v3.1.10, however as a minimum support will run through until Q3 2025 at the earliest
LBG is evaluating to what extend optional error codes and payment status will be supported - details will be provided as part of TPP comms closer to implementation date
Read/Write API - Which date are you planning to implement your latest version?
By Sep 2022Mar 2025
See above for detail
Have you implemented v4.0 information flows, if not date planned to Implement?
Already Implemented
Planning to implement
Not planning to implement
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
LBG went live with v3.2 of Dynamic Client Registration with effect from 14thMarch 2020.
DCR - Which date are you planning to implement your latest version?
N/A
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
Bulk/File payments option exists in Open Banking Service for Business Customers, but not Retail or Commercial. Limitations of file size, beneficiary selection is identical to the LBG Online For Business (O4B) channel; up to 25 payments can be included in a submission. Clients using the bulk/batch payments option must have the correct permissions set on their LBG mandate (on O4B)
Have you implemented VRP – Sweeping, if not date planned to Implement?
Already Implemented
Planning to implement
Not planning to implement
VRP endpoints are Live and available for subscription
Have you implemented VRP non-Sweeping, if not date planned to Implement?
Already Implemented
Planning to implement
Not planning to implement
Currently we are reviewing VRP functionality as a Premium API service; we do not have a planned or scheduled implementation timeline.
PISP - Single Payment Limit
Immediate DOMESTIC payments (PCC set to Pay Person/Contact)
Retail - £25,000
Private Banking - £99,999
Retail Under 19s - £500
Business - £100,000
Immediate Payments DOMESTIC (PCC is set to eCommerce Goods, eCommerce Services or Other)
Retail - £25,000
Private Banking - £99,999
Retail Under 19s - £500
Business - £100,000
Transfer between own accounts
Retail (all sectors) - £1,000,000
Business - £250,000
INTERNATIONAL Payments (PCC set to Pay Person/Contact)
All Sectors (Retail/Business) - £25,000
INTERNATIONAL Payments (PCC set to eCommerce Goods, eCommerce Services or Other)
All Sectors (Retail/Business) - £25,000
We have harmonised the single and daily payment limits of all Payment Context Codes (PCCs) to provide our customers with a better user experience, by using a single payment limit across all PCCs.
Therefore, as part of this change the single and daily payment limits for all eCommerce related PCCs have increased from 28th June 2024.
PISP - Daily Payment Limit
DOMESTIC Payments - (PCC set to Pay Person/Contact)
Retail £25,000
Private Banking - £99,999
Retail under 19s - £500
Business - £250,000
DOMESTIC Payments - (PCC set to eCommerce Goods, eCommerce Services or Other)
Retail £25,000
Private Banking - £99,999
Retail under 19s - £500
Business - £250,000
INTERNATIONAL Payments
Retail - £100,000
Business - £99,999
Retail (eCommerce) £100,000
Business (eCommerce) £99,999
We have harmonised the single and daily payment limits of all Payment Context Codes (PCCs) to provide our customers with a better user experience, by using a single payment limit across all PCCs.
Therefore, as part of this change the single and daily payment limits for all eCommerce related PCCs have increased from 28th June 2024.
How many months of transaction do you provide?
Where available on accounting platforms, we provide upto 7 years transaction data online
Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?
We intend to support in the longer term, but currently have no planned or scheduled implementation timelines
Payment instructions sent with TRIs will be not be used on PIS API endpoint versions.
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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SCA-RTS 90-day reauth Implementation
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SCA-RTS
Which date are you planning on implementing the SCA reauthentication exemption?
Implementation of SCA re-authentication exemption was on 28th Sept 2022.
What is your approach to token management to enable application of the reauthentication exemption?(see link to FCA guidance)
LBG has introduced a long lived refresh token of 365 days
LBG has introduced a long lived refresh token of 365 days
As part of v3.1.10 ImplemenationImplementation, LBG will be supporting refresh tokens to support long lived consents. The TTL will be set to 365 days.
AIS consents created after implementation of v3.1.10 will no longer require re-authentication every 90 days; the new rules in place will ask for customer reconfirmation with the AISP.
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
45 minutes. After this expiry period, if the token has not been presented the AISP has to request a new authenticated token.
Refresh Tokens are valid for 365 days
SCA-RTS implementation status(updated by OBL PS team only)
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Implemented
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Security Profile
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ID-Production
-Which Security profile have you Implemented or planning to implement?
(Lowest version = Current, Highest version = Planned)
OB Security Profile (Legacy)
FAPI (ID2)
FAPI 1 Advanced
Other (Please define)
FAPI
profile supported
ID2 profile currently supported
LBG implemented FAP1 Advanced profile on
Security Profile - Next Planned Version Implementation Date
Migration Cutover to Full FAPI profile took place in Q1 2022Advanced profile will be undertaken by end of 2024
CIBA Profile - Implemented or planning to implement
(Lowest version = Current, Highest version = Planned)
None
CIBA
CIBA FAPI Profile
Delivering decoupled flows are not currently in plan
CIBA Profile - Next Planned Version Implementation Date
Security Profile Certification date?
2021
Token Endpoint Authentication Methods Supported
client_secret_post
client_secret_basic
client_secret_jwt
tls_client_auth
Private_key_jwt
Planned date to Cease support for client id and client secret token endpoint authentication
LBG is not planning to cease support for client ID and client secret token endpoint authentication
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)
eIDAS QWAC
eIDAS QSeal
OB legacy (obtransport, obsigning)
OBWAC
OBSeal
Other (Please define)
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Customer Journey
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TC-CJ
-What is your approach to Implementing OBL Customer Experience Guidelines (CEG)?
(tick all that apply)
Already Implemented
Planning to implement or upgrade
Not planning to implement CEG
Which version have you implemented or planning to implement?
(Lowest version = Current, Highest version = Planned)
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 have delivered to v3.1.10 covering CMA roadmap closure
LBG are planning on supporting v4.0 changes by March 2025
Which date are you planning to implement your latest CEG version?
Q3 2022
Redirection Model
App to App redirection
Decoupled authentication
Embedded Flow
Bespoke User Journeys
Retail (Lloyds, Halifax, Bank of Scotland) 14/05/2019
Retail (MBNA) 13/09/2019
Business Lloyds and Bank of Scotland 24/06/2019
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PSD2
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TC-PSD2
-Which Directory are you using as your Trust Framework?
Open Banking
Are you caching the Directory?
Yes
Transaction IDs Supported
February 2021
ASPSPs provide a Unique, Immutable Transaction ID from their core system; this covers Current and Savings accounts, including debit card transactions but not Credit Card transactions. LBG are planning on introducing Unique Transaction ID on Credit Cards by end of 2024; dates to be communicated in due course.
Are you Seeking Fallback Exemption?
Yes
No
LBG has successfully applied for an exemption from having to provide a contingency mechanism on its major core brands (Lloyds, Halifax, Bank of Scotland and MBNA) for it's Retail & Business channels.
Article 10 - Maximum time period after authentication
On provision of initial consent, a TPP has 45 minutes to present initial token. Subsequent requests for accounts and balances and for up to 90 days of transaction information will be provided for up to 90 days following initial authentication. Other request types e.g. fetch SOs, beneficiary lists, etc., will require application of SCA
Article 10 - Endpoints exempt of SCA
Once initial authentication has been completed , the PSU will be able to access the following account information endpoints without further SCA :
To ensure consistent availability and performance for all of our TPPs, we will apply rate limits that control how often our APIs are accessed. This is to protect our systems from unexpected surges in requests.
These limits should not affect the normal usage of interactive clients.
When a service protection API limit is exceeded, our platforms will return an error with the standard 429 status code.
