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titleOB Standards

This Section applies to ASPSPs that have implemented OB Standards

Implement
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idTC-OB Standards-Production
Implement Open Data v2.2


-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

v3.1
CompleteImplement Customer Experience Guidelines v1.1Implement App-to-App RedirectionCompleteImplement OB Security Profile Implementer's Draft v1.1.2CompleteImplement FAPI Profile Implementers Draft 2CompleteImplement CIBA Profile Implementers Draft 1Implement Dynamic Client Registration v1.1Implement Dynamic Client Registration v3.1CompleteDecommission Read/Write API Specification v1.x/2.xDecommission OB Security Profile Implementer's Draft v1.xArticle 10 SCA Exemption (for 90 days)Accounts, Balances, Transactions (last 90 days), Pots (non-standard endpoint), Direct Debits (executed within the last 90 days), Standing Orders (executed within the last 90 days), Scheduled Payments
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titleMethod of Identification
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Commence support for eIDAS QWAC certificates Commence support for eIDAS QSEAL certificates
 

Commence support for OBIE QWAC-like certificates

 Commence support for OBIE QSEAL-like certificates Cease support for OBIE non eIDAS-like certificates for transport Cease support for OBIE non eIDAS-like certificates for signing Support for MTLS token endpoint authenticationYesSupport for private_key_jwt token endpoint authenticationNoCease support for client id and client secret token endpoint authenticationUnsupported
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titlePost Brexit Certificate Implementation
POST-BREXIT Certificate Implementation Status (updated by OBIE IES team
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PRE-BREXIT - Certificates Accepted (until 31st Dec 2020)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 
POST-BREXIT TRANSITION - Certificates Accepted (1st Jan 2021 - 30th Jun 2021)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 
Planned Implementation Date to Satisfy FCA's Post Transition

 

TPP PSU Migration Options Supported

Yes, any certificate on the software JWKS can be used interchangeably to authenticate any client for that software

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

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 

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


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]

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£10k
PISP - Daily Payment Limit£10k
How many months of transaction do you provide?Infinite
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?

01/08/2022

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

https://docs.monzo.com/#sca-rts-ps21-19

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 OBL PS team only)

Status
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READY
  • Ready – ASPSP accept eIDAS certs and OB Certs(OBWAC/OBSeal)

Implemented





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titleImplementationSecurity Profile


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Directory?

Open Banking

Location of Well Known Endpoints?

Dev Portal (see Notes)

https://api.monzo.com/open-banking/.well-known/openid-configuration

https://docs.monzo.com/

API Standard Implemented?

Open Banking v3.1.2 AIS, PIS, CBPII

Name of Account Holder Implementation Date?

Legal and preferred names of authenticated user available through the Parties endpoint

Date of Current eIDAS Implementation?Mutual TLSCurrent Certificates used for Identification?Current Certificates used for Transport?OB TransportCurrent Certificates used for Signing?OB SigningDate of Future eIDAS Implementation?No future update currently planned.Future Certificates used for Identification?Future Certificates used for Transport?Future Certificates used for Signing?

Major Milestones

Version 3.1.2 AISP, PISP, CBPII

Brand(s)MonzoSecurity Profile?Yes (certification pending)Security Profile Certification?

CIBA

TBCUsing Open Banking as your eIDAS Trust Framework?Are you caching the Directory?YesTransaction IDsYes
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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) 

Security Profile - Next Planned Version Implementation Date



CIBA Profile - Implemented or planning to implement

(Lowest version = Current, Highest version = Planned)

  •  None
  •  CIBA
  •  CIBA FAPI Profile

CIBA Profile - Next Planned Version Implementation Date

Security Profile Certification date?
 

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

Unsupported


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


No
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-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
Partial and Equivalent friction journeys due to Monzo customers having different authentication factors.
Current CEG Version?Next CEG Version?Next Version Implementation Date

Implementing Bespoke User Journeys?

Yes

Implementing App to App?

YesApp to App Implementation Date? 

Options on 90 day re-authentication?

No

Support Embedded Flow?

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?TBC
Redirection Model
  •  App to App redirection
  •  Decoupled authentication
  •  Embedded Flow
  •  Bespoke User Journeys




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Email : openbanking@monzo.com

Website : 
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Dispute Management System?

TBCFCA Adjustment Period - Maintaining Screen Scraping?Maintaining legacy AIS API (for existing AISPs) without SCA for the adjustment period. New AISPs will onboard directly onto the Monzo Open Banking API

Seeking Fallback Exemption?

Exemption Granted -  

Adjusted or Fallback Interface?

NoAdjusted or Fallback URL?N/AContact Email or Phone Number?
-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?Yes
Transaction IDs SupportedYes

Are you Seeking Fallback Exemption?

  •  Yes
  •  No


Article 10 - Maximum time period after authentication5 minutes
Article 10 - Endpoints exempt of SCA

Accounts, Balances and Transactions


Major Milestones

Brand(s)Monzo




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titleASPSP Dev Portal and Contact Details


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Location of Well Known Endpoints

Dev portal 

https://api.monzo.com/open-banking/.well-known/openid-configuration

https://docs.monzo.com/


Modified Customer Interface URL (if applicable)



Dev Portal URL
?
 
https://docs.monzo.com
Test Facility
Implementation Date?
 Production Interface Implementation Date? Contingency MeasuresArticle 10 - Maximum time period after authentication?Article 10 - Endpoints exempt of SCAAccounts, Balances and Transactions

Authentication Method - Open Banking Channel (Browser)?

Hybrid redirect with authentication happening on customers device.

Authentication Method - Open Banking Channel (APP)?

App to App available in Monzo v2.63

Authentication Method - Private Channel (Browser)?

None

Authentication Method - Private Channel (APP)?

None

Authentication Method Implementation Date (Open Banking Channel)?

Authentication Method Implementation Date (Private Channel)?

SCA Implementation Date?

 

SCA Scope? (will it inhibit non PSD2 accounts)

URLhttps://docs.monzo.com
Brand Landing Pages URLhttps://www.monzo.com[You can use this space to explain your guidance on using Brand logos]

ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

Email : openbanking@monzo.com

Website : https://docs.monzo.com





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titleKey Implementations


TBC

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High Cost Credit

TBC

View file
nameHCC.xlsx
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After Waiver 7 Expiry (16/06/20) option supported: Option 1 - The parameter b64 being set to FALSE OR Option 2 - The b64 claim not being in the header