Lloyds Banking Group PLC

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 V4.0	Current Implementation is v3.1.10 for all Endpoints
Read/Write API - Which date are you planning to implement your latest version?	By Sep 2022	See above for detail
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	LBG went live with v3.2 of Dynamic Client Registration with effect from 14^th March 2020. LBG Dynamic Client Registration endpoint: https://secure-api-eidas.lloydsbank.com/prod01/lbg/dcr-api/v1.0/register
DCR - Which date are you planning to implement your latest version?	N/A
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
Have you implemented Bulk/File Payments?	Already Implemented Planning to implement Not planning to implement	Bulk/File payments option exists in Open Banking Service for Business Customers, but not Retail or Commercial. Limitations of file size, beneficiary selection is identical to the LBG Online For Business (O4B) channel; up to 25 payments can be included in a submission. Clients using the bulk/batch payments option must have the correct permissions set on their LBG mandate (on O4B)
Have you implemented VRP – Sweeping, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement	VRP endpoints are Live and available for subscription
Have you implemented VRP non-Sweeping, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement	Currently we are reviewing VRP functionality as a Premium API service; we do not have a planned or scheduled implementation timeline.
PISP - Single Payment Limit	Immediate DOMESTIC payments (PCC set to Pay Person/Contact) Retail - £25,000 Private Banking - £99,999 Retail Under 19s - £500 Business - £100,000 Immediate Payments DOMESTIC (PCC is set to eCommerce Goods, eCommerce Services or Other) Retail - £25,000 Private Banking - £99,999 Retail Under 19s - £500 Business - £100,000 Transfer between own accounts Retail (all sectors) - £1,000,000 Business - £250,000 INTERNATIONAL Payments (PCC set to Pay Person/Contact) All Sectors (Retail/Business) - £25,000 INTERNATIONAL Payments (PCC set to eCommerce Goods, eCommerce Services or Other) All Sectors (Retail/Business) - £25,000	We have harmonised the single and daily payment limits of all Payment Context Codes (PCCs) to provide our customers with a better user experience, by using a single payment limit across all PCCs. Therefore, as part of this change the single and daily payment limits for all eCommerce related PCCs have increased from 28th June 2024.
PISP - Daily Payment Limit	DOMESTIC Payments - (PCC set to Pay Person/Contact) Retail £25,000 Private Banking - £99,999 Retail under 19s - £500 Business - £250,000 DOMESTIC Payments - (PCC set to eCommerce Goods, eCommerce Services or Other) Retail £25,000 Private Banking - £99,999 Retail under 19s - £500 Business - £250,000 INTERNATIONAL Payments Retail - £100,000 Business - £99,999 Retail (eCommerce) £100,000 Business (eCommerce) £99,999	We have harmonised the single and daily payment limits of all Payment Context Codes (PCCs) to provide our customers with a better user experience, by using a single payment limit across all PCCs. Therefore, as part of this change the single and daily payment limits for all eCommerce related PCCs have increased from 28th June 2024.
How many months of transaction do you provide?	Where available on accounting platforms, we provide upto 7 years transaction data online
Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?	We intend to support in the longer term, but currently have no planned or scheduled implementation timelines	Payment instructions sent with TRIs will be not be used on PIS API endpoint versions.
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?	Implementation of SCA re-authentication exemption was on 28th Sept 2022.
What is your approach to token management to enable application of the reauthentication exemption? (see link to FCA guidance)	LBG has introduced a long lived refresh token of 365 days	LBG has introduced a long lived refresh token of 365 days As part of v3.1.10 Implemenation, LBG will be supporting refresh tokens to support long lived consents. The TTL will be set to 365 days. AIS consents created after implementation of v3.1.10 will no longer require re-authentication every 90 days; the new rules in place will ask for customer reconfirmation with the AISP.
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		45 minutes. After this expiry period, if the token has not been presented the AISP has to request a new authenticated token. Refresh Tokens are valid for 365 days
SCA-RTS implementation status (updated by OBL 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 (ID2) FAPI 1 Advanced Other (Please define)	FAPI profile supported
Security Profile - Next Planned Version Implementation Date		Migration to Full FAPI profile took place in Q1 2022
CIBA Profile - Implemented or planning to implement (Lowest version = Current, Highest version = Planned)	None CIBA CIBA FAPI Profile	Delivering decoupled flows are not currently in plan
CIBA Profile - Next Planned Version Implementation Date
Security Profile Certification date?	2021
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		LBG is not planning 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 QSeal 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	We have delivered to v3.1.10 covering CMA roadmap closure
Which date are you planning to implement your latest CEG version?	Q3 2022
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys	Retail (Lloyds, Halifax, Bank of Scotland) 14/05/2019 Retail (MBNA) 13/09/2019 Business Lloyds and Bank of Scotland 24/06/2019

PSD2

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	Yes
Transaction IDs Supported	February 2021	ASPSPs provide a Unique, Immutable Transaction ID from their core system
Are you Seeking Fallback Exemption?	Yes No	LBG has successfully applied for an exemption from having to provide a contingency mechanism on its major core brands (Lloyds, Halifax, Bank of Scotland and MBNA) for it's Retail & Business channels.
Article 10 - Maximum time period after authentication	On provision of initial consent, a TPP has 45 minutes to present initial token. Subsequent requests for accounts and balances and for up to 90 days of transaction information will be provided for up to 90 days following initial authentication. Other request types e.g. fetch SOs, beneficiary lists, etc., will require application of SCA
Article 10 - Endpoints exempt of SCA	Once initial authentication has been completed , the PSU will be able to access the following account information endpoints without further SCA : GET /Accounts GET /accounts/{AccountId} GET /accounts/{AccountId}/balances GET /accounts/{AccountId}/transactions
Major Milestones
Brand(s)	Core Brands : Lloyds Bank Bank of Scotland Halifax MBNA

ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints
Modified Customer Interface URL (if applicable)
Dev Portal URL	https://developer.lloydsbanking.com/prod01/lbg/home	13 Sep 2024 Developer portal home has been updated
Test Facility URL
Brand Landing Pages URL
ASPSP Support Desk Email or Phone Number (including queries about consent success rates)	OBResponseteam@lloydsbanking.com

Key Implementations

Information on Error Codes

Information on Error Codes can also be found on our Developer Portal support site : https://developer.lloydsbanking.com/prod01/lbg/home

Service Protection API Limits

To ensure consistent availability and performance for all of our TPPs, we will apply rate limits that control how often our APIs are accessed. This is to protect our systems from unexpected surges in requests.
These limits should not affect the normal usage of interactive clients.
When a service protection API limit is exceeded, our platforms will return an error with the standard 429 status code.

High Cost Credit	V6.5 Sandbox Lloyds Banking Group PLC