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OB Standards

This Section applies to ASPSPs that have impletemented 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

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£10k
PISP - Daily Payment Limit£10k
How many months of transaction do you provide?Infinite
Are you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?

SCA-RTS 90-day reauth Implementation

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

01/08/2022

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

https://docs.monzo.com/#sca-rts-ps21-19

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]

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

IMPLEMENTED


Security Profile


-Which Security profile have you Implemented or planning to implement?

(Lowest version = Current, Highest version = Planned)

  • OB Security Profile (Legacy)
  • FAPI
  • Other (Please define) 

Security Profile - Next Planned Version Implementation Date



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?
 

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

Unsupported


POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)
  • eIDAS QWAC
  • eIDAS QSealC
  • OB legacy (obtransport, obsigning)
  • OBWAC
  • OBSeal
  • Other (Please define) 


Customer Journey

-What is your approach to Implementing OBIE Customer Experience Guidelines (CEG)?

(tick all that apply)

  • Already Implemented
  • Planning to implement or upgrade
  • Not planning to implement CEG
Partial and Equivalent friction journeys due to Monzo customers having different authentication factors.

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

Which date are you planning to implement your latest CEG version?TBC
Redirection Model
  • App to App redirection
  • Decoupled authentication
  • Embedded Flow
  • Bespoke User Journeys

Options on 90 day re-authentication?

At log in after 90 days the customer will have to re-authenticate.
PSD2
-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?Yes
Transaction IDs SupportedYes

Are you enrolled to Dispute Management System?

  • Yes
  • No
TBC

Are you Seeking Fallback Exemption?

  • Yes
  • No


Article 10 - Maximum time period after authentication5 minutes
Article 10 - Endpoints exempt of SCA

Accounts, Balances and Transactions


Major Milestones

Brand(s)Monzo
ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints

Dev portal 

https://api.monzo.com/open-banking/.well-known/openid-configuration

https://docs.monzo.com/


Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://docs.monzo.com
Test Facility URLhttps://docs.monzo.com
Brand Landing Pages URLhttps://www.monzo.com[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) 

Email : openbanking@monzo.com

Website : https://docs.monzo.com


Key Implementations

High Cost Credit

TBC

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