Natwest Group PLC (NatWest, RBS, Ulster Bank)

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	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	3.1.10 Functional Conformance – Dec 2022
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
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
Have you implemented ECA Standard?	Already Implemented Planning to implement Not planning to implement	Already Implemented our own customer API
ECA Implementation details		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 21^st 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 – 10^th Dec 2021
PISP - Single Payment Limit	Currently at £20k moving to £50k	FAQs \| Bank of APIs
PISP - Daily Payment Limit	Variable £5k - £50k ( dependent on customer type i.e. Personal/Premier/Business) see BOAPI links for further information	FAQs \| Bank of APIs
How many months of transaction do you provide?		Up to 7 years Personal Up to 11 months Commercial Currently 6m Credit Cards
Are you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?		Planning 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

SCA-RTS 90-day reauth Implementation

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)		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 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
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)	eIDAS QWAC eIDAS QSealC OB legacy (obtransport, obsigning) OBWAC OBSeal Other (Please define)	eIDAS QWAC and QSEAL accepted from EU TPP’s only

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
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	NWI Personal (Gibraltar) - 08 Nov 2019

PSD2

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	No	Directory Caching will be delivered by 24 February2020 as part of PSD2 onboarding
Transaction IDs Supported	August 2019	Transaction id's are provided against each booked transaction that are returned on the transactions endpoint
Are you enrolled to Dispute Management System?	Yes No
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	N/A	RBSG 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	RBSG are adopting Article 10 Exemption for 90 day reauthentication, no further restrictions are being applied under Article 10
Major Milestones	V1.1 deprecation 13 Nov 2019 V3.1 roadmap SEPA MTS Bulk / Batch Payments - Q1 2020 Bulk / Batch Payments: SEPA MTS Q1 2020 Bulk / Batch Payments (All payment types) Q1 2020 P2 Two Way Notice of Revocation - Q1 2020 P8 SCA Exemptions - Q1 2020 API specification v3.1.4 & CEG v3.1.4 - Q1 2020 Uplift to PS256 encryption standard - Q2 2020 P15 Access Dashboards - Q2 2020
Brand(s)

ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints	OB Technical Directory	OB directory/dev portal and OB DevZOne pages
Modified Customer Interface URL (if applicable)
Dev Portal URL	https://www.bankofapis.com/
Test Facility URL
Brand Landing Pages URL		[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)	~APIServiceDesk@rbs.com

Key Implementations

High Cost Credit	RBSI Personal - HCC.xlsx