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titleOB Standards

This Section applies to ASPSPs that have implemented OB Standards

10th May 2020
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idTC-OB Standards-Production
Implement Open Data v2.2

N/A

Implement Read/Write API Specification v3.1

08 May 2019

Only account access/funds confirmation/domestic payments implemented

Implement Customer Experience Guidelines v1.1

08 May 2019

Journeys initiated by TPP are implemented. Consent management for Revolut users in both Revolut Mobile and Revolut Web apps is being implemented.

Implement Read/Write API Specification v3.1.1


-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
International Payments/Standing Orders/Scheduled Payments, Domestic Standing Orders//Scheduled Payments, File Payments (Revolut Business customers only), Account Access to Vaults implemented
Read/Write API - Which date are you planning to implement your latest version?
Implement App-to-App Redirection

Yes, March 2020

Implement OB Security Profile Implementer's Draft v1.1.2

12 Mar 2019

Implement FAPI Profile Implementers Draft 2

12 Mar 2019

Implement CIBA Profile Implementers Draft 1

No

Implement Dynamic Client Registration v1.1

N/A

Implement Dynamic Client Registration v3.1

12 Mar 2019

Decommission Read/Write API Specification v1.x/2.x

N/A

Decommission OB Security Profile Implementer's Draft v1.x

N/A

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titleMethod of Identification
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Commence support for eIDAS QWAC certificates

08 May 2019

We support listed eIDAS QTSPs: Bundesdruckerei, Buypass and CERTSIGN via Open Banking Directory

Commence support for eIDAS QSEAL certificates

08 May 2019

We support listed eIDAS QTSPs: Bundesdruckerei, Buypass and CERTSIGN via Open Banking Directory

Current State eIDAS certificates

June 2020

We support all eIDAS certificates

Commence support for OBIE QWAC-like certificates

08 May 2019

Commence support for OBIE QSEAL-like certificates

08 May 2019

Cease support for OBIE non eIDAS-like certificates for transport

12 Mar 2019

Cease support for OBIE non eIDAS-like certificates for signing

12 Mar 2019

Support for MTLS token endpoint authentication

12 Mar 2019

Support for private_key_jwt token endpoint authentication

12 Mar 2019

Cease support for client id and client secret token endpoint authentication

N/A

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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 TransitionTPP PSU Migration Outcomes Supported


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 
Only available to Business accounts

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

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?New

New date: 27.10.2022

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

  • Revolut will introduce a long-lived access token
  • Revolut will introduce a long-lived access token
  • After the rollout, any AIS consent for UK accounts will not require re-authentication every 90 days
  • Re-authentication every 180 days will be required for EU accounts

For any additional questions, please reach out to us at api-requests@revolut.com

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
  •  Accounts
  •  

    Transactions (more than 90days)

  •  

    Standing orders

  •  

    Direct debits

  •  

    Beneficiaries

  •  

    Products

  •  

    Offers

  •  

    Parties

  •  

    Scheduled Payments

  •  

    Statements


Article 10A - Maximum time period after authentication5Please specify the time period in minutes
SCA-RTS implementation status (updated by OBL PS team only)

Status
colourGreen
title
READY
Implemented

Ready - Accept eIDAS and OB Certs (OBWAC & OBSeal)
Planned / In-progress / Implemented / TBC




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titleImplementationSecurity Profile


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Directory?

Open Banking

Location of Well Known Endpoints?

OB Technical Directory

API Standard Implemented?

Open Banking

Name of Account Holder Implementation Date?

Date of Current eIDAS Implementation?

MTLS Token

Current Certificates used for Identification?Current Certificates used for Transport?Current Certificates used for Signing?Date 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

See below

Brand(s)

Security Profile?

Security Profile Certification?

CIBA

No

Using Open Banking as your eIDAS Trust Framework?

Yes

Are you caching the Directory?

No

Transaction IDs
Panel


-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

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) 




Support Embedded Flow?
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titleCustomer Journey


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Implementing Bespoke User Journeys?

-What is your approach to Implementing OBL Customer Experience Guidelines (CEG)?

Yes

Current CEG Version?Next CEG Version?Next Version Implementation Date

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

Authentication and consent creation journeys are implemented as it is described in Customer Experience Guidelines.

Implementing App to App?

Yes

App to App Implementation Date?

March 2020

Options on 90 day re-authentication?

We force re-authentication every 90 dyas

Yes -

currently all authentication is embedded in user's initiation environment (see below per moving to web-to-app)

Options on 90 day re-authentication?

We force re-authentication every 90 dyas




Please specify the location of the guidance that explains your strategy and plans for when your dedicated interface is unavailable.  This should be a URL to your dev portal or artefact that provides TPPs with the information they require
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Dispute Management System?

Service Desk Available - openbanking-support@revolut.com

FCA Adjustment Period - Maintaining Screen Scraping?

Never supported

-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
Transaction IDs Supported

Are you Seeking Fallback Exemption?

Yes

Adjusted or Fallback Interface?

N/A

Adjusted or Fallback URL?

N/A

Contact Email or Phone Number?

openbanking-support@revolut.com
020 3725 7583

Dev Portal URL?

https://developer.revolut.com/

Test Facility Implementation Date?

12 Mar 2019

Production Interface Implementation Date?Contingency Measures

N/A exempted by FCA

  •  Yes
  •  No


Article 10 - Maximum time period
after authentication?Please specify how long the AISP has from the time when they receive the access token (
after
PSU
authentication
).  This is the period the AISP must submit their first request before SCA will be re-applied to endpoints NOT exempt of SCA under Article 10.  ASPSPs should consider that this timeline is consistent with the time limit applied by the ASPSP in the existing online PSU interface (i.e. before the PSU is logged out)


Article 10 - Endpoints exempt of SCA

No endpoints exempted of SCA

Please specify which AIS endpoints will be exempt from SCA under Article 10. (delete as appropriate): Accounts, Balances, Transactions, Beneficiaries, Direct Debits, Standing Orders, Products, Offers, Parties, Scheduled Payments, Statements

Authentication Method - Open Banking Channel (Browser)?

Browser Password and OTP via SMS

Authentication Method - Open Banking Channel (APP)?

App Login (Password, Biometrics)

Authentication Method - Private Channel (Browser)?

Browser Password and 2FA via email or business-app

Authentication Method - Open Banking Channel (APP)?

App Login (Password, Biometrics)

Authentication Method Implementation Date (Open Banking Channel)?

Authentication Method Implementation Date (Private Channel)?

SCA Implementation Date?

12 Mar 2019

SCA Scope? (will it inhibit non PSD2 accounts)

Account,Payment,Funds Confirmation


Major Milestones

Brand(s)




-16th June
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titleKey ImplementationsASPSP Dev Portal and Contact Details


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idTC-HCC

High Cost Credit

TBC
View file
nameHCC.xlsx
pageABC INTERNATIONAL BANK PLC
height250

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idTC-W7

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

C


Location of Well Known Endpoints

OB Technical Directory

Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://developer.revolut.com/
Test Facility URL

Brand Landing Pages URL
[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) 

api-requests@revolut.com




Recent Milestones



App-to-app authentication

March 2020


Sandbox credentials generation

May 2020

TPPs can register for sandbox credentials through Revolut Developer Portal https://developer.revolut.com/portal/signup

Domestic Standing Orders//Scheduled Payments,

May 2020


File Payments (Revolut Business customers only)

May 2020


International Payments/Standing Orders/Scheduled Payments

May 2020


Vaults Release to Open Banking API - Web

May 2020


Waiver 007 Implementation End

16th June



Future Roadmap



Credit Cards Released to Open Banking API

Users will soon be able to grant access to Credit Cards to Open Banking API


Web-to-App Authentication

Revolut Business Users will soo be able to grant TPPs access on their App for requests initiated on Web



See below details for different certificates accepted against our Open Banking API for different time periods. Please note, Revolut maintains one API for both our EEA and UK based customers. Please see our public documentation for which certificates are accepted against user's from different entities here: https://developer.revolut.com/docs/build-banking-apps/#introduction-to-the-open-banking-api-global-customer-access-controls


PRE-BREXIT - Certificates Accepted (until 31st Dec 2020)

POST-BREXIT TRANSITION - Certificates Accepted (1st Jan 2021 - 30th Jun 2021)

POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)

eIDAS
(QWAC/QSealC)

OB legacy (obtransport, obsigning)

OB Certs
(OBWAC/OBSeal)

eIDAS
(QWAC/QSealC)

OB legacy (obtransport, obsigning)

OB Certs
(OBWAC/OBSeal)

eIDAS
(QWAC/QSealC)

OB legacy (obtransport, obsigning)

OB Certs
(OBWAC/OBSeal)

Yes 

Yes 

Yes 

Yes 

 Yes

Yes 

 Yes

No

Yes