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titleOB Standards

This Section applies to ASPSPs that have impletemented implemented OB Standards


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idTC-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

Highest Version – 3.1.10 (Dec 2022)

Read/Write API - Which date are you planning to implement your latest version?

3.1.10 Functional Conformance – Dec 2022

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

BoA V3.3


Already implemented compliance with 3.3

DCR - Which date are you planning to implement your latest version?

Already implemented

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

Contact: [enter contact details for the relevant person(s) at your organisation]

[You can use this space to provide your status with respect to the Standard]n/a


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 
Contact: [enter contact details for the relevant person(s) at your organisation][You can use this space to provide implementation details relevant to VRP]


PISP - Single Payment Limit£

Currently at £20k for Personal customers

(moved to £50k for Premier customers only in Jan 2023)

FAQs | Bank of APIs

PISP - Daily Payment Limit£Variable (£5k - £20k ( dependent on customer) see BOAPI links for further information

FAQs | Bank of APIs

How many months of transaction do you provide?Are you planning to implement
  • Up to 7 years Personal
  • Up to 11 months Commercial
  • Currently 6m Credit Cards
Have you implemented TRIs (Transactional Risk Indicator enhancements included in v3.1.10Indicators), if sonot, implementation date planned to Implement?YesTRIs implemented for RBSI in July 2023
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)  
Payment Context code, Contract Present Indicator, Beneficiary Payment details pre-populated indicator, Payee Account Name, Beneficiary Account Type, Merchant Customer Identification , Delivery Address , Merchant Category Code, Payment Purpose Code




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titleSCA-RTS 90-day reauth Implementation


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



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


Example approach:
Issue a long-lived refresh token during one final SCA, with refresh token rotation implemented.

[Please use this space to provide more details on your approach]


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 OBIE OBL PS team only)

Status
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titleImplemented




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titleSecurity Profile


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-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) 

Security Profile - Next Planned Version Implementation Daten/a
CIBA Profile - Implemented or planning to implement

(Lowest version = Current, Highest version = Planned)

  •  None
  •  CIBA
  •  CIBA FAPI Profile

CIBA Profile - Next Planned Version Implementation Daten/a
Security Profile Certification date?


Originally Certified  - Oct 2020

Re-Certification -  31st Jan 2023
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

n/a


POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 
eIDAS QWAC and QSEAL accepted from EU TPP’s only




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titleCustomer Journey


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-What is your approach to Implementing OBIE 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

Current - 3.1.10 (Sept 2022)

Which date are you planning to implement your latest CEG version?
TBCAlready implemented V3.1.10
Redirection Model
  •  App to App redirection
  •  Decoupled authentication
  •  Embedded Flow
  •  Bespoke User Journeys
  • App to App redirection
  • Browser Redirection




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titlePSD2


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  •  Yes
  •  No
-Which Directory are you using as your Trust Framework?Open BankingThe Open Banking Directory
Are you caching the Directory?NoDirectory Caching will be delivered by 24 February2020 as part of PSD2 onboardingThe static data such as client IDs are cashed, but not certificates and keys
Transaction IDs SupportedAugust 2019

Transaction

id's are provided against each booked transaction that are returned on the transactions endpoint

Are you enrolled to Dispute Management System?

IDs are supported, please refer to:

3.1.6 Transaction Endpoint Documentation - Bank of APIs

Are you Seeking Fallback Exemption?

  •  Yes
  •  No

No, already received exemption

Article 10 - Maximum time period after authenticationN/ARBSG are

RBSI is adopting Article 10 Exemption for 90-day reauthentication, no further restrictions are being applied under Article 10.

Article 10 - Endpoints exempt of SCA

N/A

RBSG are adopting Article 10 Exemption for 90 day reauthentication, no further restrictions are being applied under Article 10Major Milestones

V1.1 deprecation 

V3.1 roadmap

International Payments for Commercial Banking Customers - Q1 2020

SEPA MTS Bulk / Batch Payments - Q1 2020

P2 Two Way Notice of Revocation - Q1 2020

P8 SCA Exemptions - Q1 2020

API specification v3.1.4 & CEG v3.1.4 - Q1 2020

Uplift to PS256 encryption standard - Q2 2020

P15 Access Dashboards - Q2 2020

Options to implement the FCA guidance on “exception circumstances” SCA are currently being evaluated.

Major Milestones



Brand(s)RBSI, NWI




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titleASPSP Dev Portal and Contact Details


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Location of Well Known Endpoints

OB Technical DirectoryOB directory/dev portal and OB DevZOne pagesConsent Confirmation Support – Authorisation Servers Explained – Bank of APIs

Modified Customer Interface URL (if applicable)

n/a
Dev Portal URLhttps://www.bankofapis.com/
Test Facility URL

https://bankofapis.com/sandbox


Brand Landing Pages URL
[You can use this space to explain your guidance on using Brand logos]

Logos


NWI - Image Added


RBSI - Image Added

ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

~APIServiceDesk@rbs.comhttps://rbsgroupapiservicedesk.spectrumhosting.net/plugins/servlet/desk/portal/1Please visit help & updates page to raise a service desk ticket




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titleKey Implementations


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High Cost Credit

RBSI Corporate - HCC.xlsx

View file
nameRBSI Corporate - HCC.xlsx
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