Royal Bank of Scotland International & NatWest International

OB Standards

This Section applies to ASPSPs that have implemented 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	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
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
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	n/a
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
PISP - Single Payment Limit	Currently at £20k for Personal customers (moved to £50k for Premier customers only in Jan 2023)	FAQs \| Bank of APIs
PISP - Daily Payment Limit	Variable (£5k - £20k ( dependent on customer) 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?	Yes	TRIs implemented for RBSI in July 2023
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.
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	n/a
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	n/a
Security Profile Certification date?		Originally Certified - Oct 2020 Re-Certification - 31^st Jan 2023
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	n/a
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
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 V3.1.11	Current - 3.1.10 (Sept 2022)
Which date are you planning to implement your latest CEG version?		Already implemented V3.1.10
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys	App to App redirection Browser Redirection

PSD2

-Which Directory are you using as your Trust Framework?	Open Banking	The Open Banking Directory
Are you caching the Directory?	No	The static data such as client IDs are cashed, but not certificates and keys
Transaction IDs Supported	August 2019	Transaction IDs are supported, please refer to: 3.1.6 Transaction Endpoint Documentation - Bank of APIs
Are you enrolled to Dispute Management System?	Yes No	V2.0
Are you Seeking Fallback Exemption?	Yes No	No, already received exemption
Article 10 - Maximum time period after authentication	N/A	RBSI is 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	Options to implement the FCA guidance on “exception circumstances” SCA are currently being evaluated.
Major Milestones
Brand(s)	RBSI, NWI

ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints	OB Technical Directory	Consent Confirmation Support – Authorisation Servers Explained – Bank of APIs
Modified Customer Interface URL (if applicable)	n/a
Dev Portal URL	https://www.bankofapis.com/
Test Facility URL	https://bankofapis.com/sandbox
Brand Landing Pages URL		Logos NWI - RBSI -
ASPSP Support Desk Email or Phone Number (including queries about consent success rates)	https://rbsgroupapiservicedesk.spectrumhosting.net/plugins/servlet/desk/portal/1	Please visit help & updates page to raise a service desk ticket

Key Implementations

High Cost Credit	RBSI Corporate - HCC.xlsx