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titleOB Standards

This Section applies to ASPSPs that have impletemented 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

Coutts and Adam & Co are not a CMA9 bank so have only implemented SME Unsecured Lending products for Open Data.

Aiming to implement H1 2024

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

Lowest Version – 3.1.1

Highest Version – 3.1.8 (July 2022)

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

There is plan to upgrade the API version 3.1.11 by end of 2023 (excluding Sweeping and VRP - this is planned for 2025)

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 V3.2


Already implemented compliance with 3.2

DCR - Which date are you planning to implement your latest version?Already Implemented

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 
Not Applicable

ECA Implementation details


Not applicable

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 
Planning to implement in 2025

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

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

VRP implementation is in progress and planning to release in 2025.

PISP - Single Payment Limit

First time pay £25000

There is no limit after that


PISP - Daily Payment Limit

First time pay £25000

There is no limit after that

How many months of transaction do you provide?By default 3 months, no limit on historic data

By default, API returns the three months of transaction details. There is no limit on historical transaction. API request can be customized with “to” and “from” dates to retrieve the historical transaction.




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?



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


90 Day Re-Authentication changes related to Article 10 were implemented on September 2022.

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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titlePSD2


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-Which Directory are you using as your Trust Framework?The Open Banking Directory
Are you caching the Directory?NoAnalysis is underway and will be implemented Q4 2019
Transaction IDs SupportedYesTransaction id's are provided against each booked transaction that are returned on the transactions endpoint

Are you enrolled to Dispute Management System?

  •  Yes
  •  No
Not looking to enroll as DMS will be superseded in due course.

Are you Seeking Fallback Exemption?

  •  Yes
  •  No


Article 10 - Maximum time period after authenticationN/ACoutts and Co are adopting Article 10 Exemption for 90 day reauthentication, no further restrictions are being applied under Article 10
Article 10 - Endpoints exempt of SCA

N/A

Coutts and co are adopting Article 10 Exemption for 90 day reauthentication, no further restrictions are being applied under Article 10
Major Milestones

2019 Q4 eIDAS support



2020 Q1 Bulk and batch

2023 Q3 Architecture change to Apigee (aligning with NWG)


Brand(s)Coutts




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titleASPSP Dev Portal and Contact Details


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Location of Well Known Endpoints

OB Technical Directoryhttps://secure1.coutts.com/.well-known/openid-configuration

Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://www.bankofapis.com/
Test Facility URL

https://bankofapis.com/sandbox


Brand Landing Pages URL

ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

https://wwwrbsgroupapiservicedesk.bankofapis.com/contact-usspectrumhosting.net/plugins/servlet/desk/portal/1




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titleKey Implementations


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High Cost Credit

TBC

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