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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

Implemented April, 2024

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

Lowest Version – 3.1.1

Highest Version – 3.1.11 (October 2023)

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

Coutts API supporting latest API version 3.1.11 excluding Sweeping and VRP - this is planned for 2025.

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 V3.2


Already implemented compliance with 3.2

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 
Not Applicable

ECA Implementation details


Not applicable

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 
Planning to implement in 2025

Have you implemented VRP non-Sweeping, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

VRP implementation is in progress and planning to release in 2025.

PISP - Single Payment Limit

First time pay £25000

There is no limit after that


PISP - Daily Payment Limit

First time pay £25000

There is no limit after that
How many months of transaction do you provide?By default 3 months, no limit on historic data

By default, API returns the three months of transaction details. There is no limit on historical transaction. API request can be customized with “to” and “from” dates to retrieve the historical transaction.

Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?

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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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)


90 Day Re-Authentication changes related to Article 10 were implemented on September 2022.

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)


Planned / In-progress / Implemented / TBC



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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?
N/A

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) 



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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

Which date are you planning to implement your latest CEG version?
Coutts supporting API version V3.1.11
Redirection Model
  •  App to App redirection
  •  Decoupled authentication
  •  Embedded Flow
  •  Bespoke User Journeys
  • App to App redirection
  • Browser Redirection



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-Which Directory are you using as your Trust Framework?The Open Banking Directory
Are you caching the Directory?No
Transaction IDs SupportedYesTransaction id's are provided against each booked transaction that are returned on the transactions endpoint

Are you enrolled to Dispute Management System?

  •  Yes
  •  No
Not looking to enroll as DMS will be superseded in due course.

Are you Seeking Fallback Exemption?

  •  Yes
  •  No


Article 10 - Maximum time period after authenticationN/ACoutts and Co are 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

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

2023 Q3 Event Notification API






2023 Q3 Architecture change to Apigee 

2024 Q1 Open Data API 


Brand(s)Coutts




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titleASPSP Dev Portal and Contact Details


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Location of Well Known Endpoints

OB Technical Directoryhttps://secure1.coutts.com/.well-known/openid-configuration

Modified Customer Interface URL (if applicable)



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

https://bankofapis.com/sandbox


Brand Landing Pages URL

ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

https://rbsgroupapiservicedesk.spectrumhosting.net/plugins/servlet/desk/portal/1



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