Content Comparison

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title	OB Standards

This Section applies to ASPSPs that have implemented OB Standards

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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?	23rd September 20217th Aug 2025 V4.0
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	May '23
Have you implemented Reverse Payments, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement	20th June 2020
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	May '23 (Personal) April '23 (Business)
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	Personal N/A, Business £250,000 per payment	Personal and Business - Payments made by a TPP using the Open Banking APIs are processed as Credit Transfers.
PISP - Daily Payment Limit	Personal £25,000 daily limit, N/A Business	Personal - these are the daily spending limits which apply in any 24 hour period as determined by us.
How many months of transaction do you provide?	25 months
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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title	SCA-RTS 90-day reauth Implementation

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id	SCA-RTS

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

August 23rd - Sandbox - complete on 23/8

September 22nd - Production

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

We will issue a long lived refresh token during one final SCA, with token rotation implemented.

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

colour	Green
title	Implemented

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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	13 Mar 2019
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?	December 2020	v3.1.6
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	29 Nov 2019
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)	eIDAS QWAC eIDAS QSealC OB legacy (obtransport, obsigning) OBWAC OBSeal Other (Please define)	after 30 June - when the OB legacy certificates (without FRN) should be stopped from support

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title	Customer Journey

Page Properties

id	TC-CJ

-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
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?	23 Sep 2021
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys

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title	PSD2

Page Properties

id	TC-PSD2

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	No
Transaction IDs Supported	Live - Option 1 Supported	ASPSPs provide a Unique, Immutable TransactionID from their core system
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	15 Minutes
Article 10 - Endpoints exempt of SCA	Balances and/or Transactions	Exemption will cover all AISP resources provided requests are received with 15 minutes of a request for Accounts, Balances and/or Transactions endpoint. Transactions period requested must be less than 90 days. Requests outside these parameters will require additional authorisation from the PSU.
Major Milestones	V3.1.1- 13 June 2019 - Live v3.1.4 - Planned 16 June 2020 v3.1.5 - Planned 24 September 2020 v3.1.6 - Planned December 2020 v3.1.7 - Planned 10 June 2021 v3.1.8 - Planned 23 September 2021 v3.1.10 - Planned 22nd September 2022 VRP - May 2023 (personal), April 2023 (business) Products Savings and Credit Cards - 13/06/2019
Brand(s)	Northern Bank Limited t/a Danske Bank	From 13 May 2020 Danske Bank A/S (London Branch) are out of scope, they should use PSD2

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Version	Old Version 90	New Version 91
Changes made by	Praveen Ponnumony	Leslie Swift
Saved on	Sep 06, 2024	Mar 19, 2025

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