Page Comparison

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titleColor	Black
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title	OB Standards

This Section applies to ASPSPs that have implemented OB Standards

Page Properties

icon	false
id	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
Read/Write API - Which date are you planning to implement your latest version?	No update currently planned
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?	No update currently planned
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	Not applicable	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: not applicable [You can use this space to provide implementation details relevant to VRP]
PISP - Single Payment Limit	£	See product description page on website https://uk.virginmoney.com/
PISP - Daily Payment Limit	£	See product description page on website https://uk.virginmoney.com/
How many months of transaction do you provide?	For credit card accounts we provide 13 months transactions and for personal savings and current accounts and business accounts we provide up to a maximum of 1180 transactions.
Are Have you planning to implement implemented TRIs (Transactional Risk Indicator enhancements included in v3.1.10Indicators), if sonot, implementation date planned to Implement?	We have no plans to implement TRIs
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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Panel

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title	SCA-RTS 90-day reauth Implementation

Page Properties

id	SCA-RTS

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

27th October 2022

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

Long lived access token from 27th October 2022

AIS consents created after 27th October 2022 - TPPs will be issued with long-lived access tokens, which will be accessible for two-year (730 days), unless a shorter period is provided by the AISP. This will allow access for 2 years without requiring customer re-authentication.

Existing AIS consents will require a final re-authentication, when a long-lived access token will be issued, which will be valid for 2 years (730 days).

*No further authentication will be required during the two-year period, unless there is suspected fraud or unauthorised access or a PSU has revoked the access.

*We reserve the right to request re-authentication of AIS consents for reasons including, but not limited to, the above stated reasons.

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

1,051,200 minutes

Please specify the time period in minutes

SCA-RTS implementation status (updated by OBIE OBL PS team only)

Status

colour	Green
title	Implemented

Planned / In-progress / Implemented / TBC

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Panel

titleColor	Black
borderStyle	dashed
title	Security Profile

Page Properties

id	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)
Security Profile - Next Planned Version Implementation Date	FAPI compliant but no certification
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	N/A
Security Profile Certification date?	No certification currently planned
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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Panel

titleColor	Black
borderStyle	dashed
title	Customer Journey

Page Properties

id	TC-CJ

-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?	No update currently planned
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys	Additional product selection landing page

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Panel

titleColor	Black
borderStyle	dashed
title	PSD2

Page Properties

id	TC-PSD2

Are you enrolled to Dispute Management System?

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	No
Transaction IDs Supported	No	Yes	No
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	2 years (730 days) for AISP (as long as the customer has allowed access for at least that length of time)
Article 10 - Endpoints exempt of SCA	Accounts, Balances, Transactions, Beneficiaries, Direct Debits, Standing Orders, Offers, Scheduled Payments
Major Milestones	4 March 2020 – Release of Version 3.1.1 (Inc Other Products, API Updates, API Deprecations, etc)
Brand(s)	Virgin Money (stand-alone)

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Panel

titleColor	Black
borderStyle	dashed
title	ASPSP Dev Portal and Contact Details

Page Properties

id	TC-C

Location of Well Known Endpoints

Virgin Money (stand-alone)

https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production/.well-known/openid-configuration

Modified Customer Interface URL (if applicable)

n/a

Dev Portal URL

https://developer.virginmoney.com

Test Facility URL

https://sandbox.virginmoney.com/sandbox/openbanking/.well-known/openid-configuration

Brand Landing Pages URL

Brand logo for stand-alone Virgin Money APIs

[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)

OpenBankingResponse@cybgOpenBankingResponse@virginmoney.com

Support requests should be raised via our Service-Now Support Portal:
https://virginmoney.com/openbankingsupport

Or via the Open Banking Service Desk by choosing Clydesdale Bank as the ASPSP and stating the ticket relates to our stand-alone APIs.

ADDITIONAL ASPSP INFORMATION:

Which Payment Types do Virgin Money support?

We support Faster Payments, Balance Transfers & Money Transfers.

Enumeration types:

UK.OBIE.FPS
UK.OBIE.BalanceTransfer
UK.OBIE.MoneyTransfer

For Faster Payments we only support payments from a Savings Account to a customers’ nominated account.

In line with direct customer channels we do not support payments from a current account.

Balance Transfers and Money Transfers are supported on Credit Card Accounts.

What products are available under the Merged and Stand-Alone Virgin Money APIs?

A comprehensive list of products supported by each set of APIs is provided in this document

View file

name	Virgin Money Open Banking Available Accounts v3.1 20221021.pdf
height	250

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Versions Compared

Old Version 74

New Version Current

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