Coutts

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	Implemented April, 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 V4.0	Lowest Version – 3.1.1 Highest Version – 3.1.11 (October 2023)
Read/Write API - Which date are you planning to implement your latest version?		Coutts supporting latest API version 3.1.11 excluding Sweeping and VRP - this is planned for 2025.
Have you implemented v4.0 information flows, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
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.
Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?
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)

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)		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 OBL PS team only)		Planned / In-progress / Implemented / TBC

Security Profile

-Which Security profile have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	OB Security Profile (Legacy) FAPI (ID2) FAPI 1 Advanced 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?	N/A
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 OBL 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 V4.0
Which date are you planning to implement your latest CEG version?		Coutts supporting API version V3.1.11
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?	The Open Banking Directory
Are you caching the Directory?	No
Transaction IDs Supported	Yes	Transaction id's are provided against each booked transaction that are returned on the transactions endpoint
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	N/A	Coutts 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	2023 Q3 Event Notification API 2023 Q3 Architecture change to Apigee 2024 Q1 Open Data API
Brand(s)	Coutts

ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints	OB Technical Directory	https://secure1.coutts.com/.well-known/openid-configuration
Modified Customer Interface URL (if applicable)
Dev Portal URL	https://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://rbsgroupapiservicedesk.spectrumhosting.net/plugins/servlet/desk/portal/1

Key Implementations

High Cost Credit	TBC