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titleOB Standards

This Section applies to ASPSPs that have implemented OB Standards

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-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

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

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£
PISP - Daily Payment Limit£
How many months of transaction do you provide?No Limit

From the 11th of December 2023 our we are changing the way our /transaction API API  behaves:
  • It will return only up to three months/90 days worth of transactions if the related consent was created more than 90 days ago.
  • No limit if the related consent was created less than 90 days ago.

Are you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?

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?


Live, note that we have different limits depending on the user address:
  • For users having a UK address in their profile the upper SCA re-auth limit is 365 days. (used to be 90 days)
  • For users having a EU address in their profile the upper SCA re-auth limit is 180 days. (used to be 90 days)

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


We're going along the route of Option 1 outlined by OBIE https://www.openbanking.org.uk/wp-content/uploads/3.1.10-Consultation-Summary-Paper-20220222.pdf

Issue a long-lived refresh token during upcoming SCA check. The actual lifetime of this refresh token is 365/180 days max. 

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 OBIE PS team only)


Planned / In-progress / Implemented / TBC



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-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
Transaction IDs SupportedYesUnique and immutable transaction ids in the TransactionId field

Are you enrolled to Dispute Management System?

  •  Yes
  •  No

Are you Seeking Fallback Exemption?

  •  Yes
  •  No


Article 10 - Maximum time period after authentication90 days
Article 10 - Endpoints exempt of SCA

None at the moment. Up for re-evaluation. 


Major Milestones v3.1.1 AISP / CBPII
 v3.1.1 PISP
 eIDAS Support

Brand(s)




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titleASPSP Dev Portal and Contact Details


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Location of Well Known Endpoints

https://transferwise.com/openbanking/.well-known/openid-configuration

Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://api-docs.transferwise.com/guides/open-banking
Test Facility URL
The details about our test sandbox can be found at the url below:
https://api-docs.transferwise.com/guides/open-banking#sandbox-access
Brand Landing Pages URL
When showing the Wise logo feel free to use any of the following:
https://wise.com/public-resources/assets/brand/round_logo_medium.png
https://wise.com/public-resources/assets/brand/round_logo_large.png

ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

openbanking@transferwise.com



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