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titleOB Standards

This Section applies to ASPSPs that have 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

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 – 3.1.9

Highest Version – 3.1.10 (Dec 2022)


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

3.1.10 Functional Conformance – Dec 2022

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 V3.3

Already implemented compliance with 3.3

DCR - Which date are you planning to implement your latest version?
Already implemented in May 2022. No plans to update to higher version of v.3.3 yet.

Have you implemented Trusted beneficiaries, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 
Planning to Implement Q2, 2023

Have you implemented Reverse Payments, if not date planned to Implement?

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

Have you implemented ECA Standard?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 
Already Implemented our own Customer API

ECA Implementation details


Website: Customer API documentation - Bank of APIs

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 

VRP Sweeping MRO exited on 21st Sept, and now available to TPPs

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

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

VRP non-Sweeping Delivered – 10th Dec 2021

PISP - Single Payment LimitCurrently at £20k moving to £50kFAQs | Bank of APIs
PISP - Daily Payment LimitVariable £5k - £50k ( dependent on customer type i.e. Personal/Premier/Business) see BOAPI links for further informationFAQs | Bank of APIs
How many months of transaction do you provide?
  • Up to 7 years Personal customers
  • Up to 11 months Commercial customers
  • Up to 6 months for Credit Cards
Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?Planning to implementPlanning to implement Q2, 2023 - adopting most attributes as listed in TRI enhancements in V 3.1.10
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)  
Payment Context code, Contract Present Indicator, Beneficiary Payment details pre-populated indicator, Payee Account Name, Beneficiary Account Type, Merchant Customer Identification , Delivery Address , Merchant Category Code, Payment Purpose Code



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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?


Already Implemented - 8th September 2022

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

NatWest Group tokens are already long-lived and not linked to the 90-day re-auth. trigger. 

Example approach:
Issue a long-lived refresh token during one final SCA, with refresh token rotation implemented.

NatWest Group tokens are already long-lived and not linked to the 90-day re-auth. trigger. 

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)Already Implemented

 



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