Northern Bank Limited t/a Danske 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
  • V3.1.11

Read/Write API - Which date are you planning to implement your latest version?23rd September 2021

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 
May '23

Have you implemented Reverse Payments, if not date planned to Implement?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 
20th June 2020

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 
May '23 (Personal) April '23 (Business)

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 Personal N/A, Business £250,000 per payment

Personal and Business - Payments made by a TPP using the Open Banking APIs are processed as Credit Transfers.

PISP - Daily Payment Limit Personal £25,000 daily limit, N/A BusinessPersonal - these are the daily spending limits which apply in any 24 hour period as determined by us. 
How many months of transaction do you provide?25 months
Are you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?

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?

August 23rd - Sandbox - complete on 23/8


September 22nd - Production 


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

We will issue a long lived refresh token during one final SCA, with token rotation implemented. 

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?
 December 2020
v3.1.6
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) 
after 30 June - when the OB legacy certificates (without FRN) should be stopped from support


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

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

PSD2
-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
Transaction IDs SupportedLive - Option 1 Supported
  1. ASPSPs provide a Unique, Immutable TransactionID from their core system

Are you enrolled to Dispute Management System?

  • Yes
  • No

Are you Seeking Fallback Exemption?

  • Yes
  • No


Article 10 - Maximum time period after authentication15 Minutes
Article 10 - Endpoints exempt of SCA

Balances and/or Transactions

Exemption will cover all AISP resources provided requests are received with 15 minutes of a request for Accounts, Balances and/or Transactions endpoint. Transactions period requested must be less than 90 days. Requests outside these parameters will require additional authorisation from the PSU.
Major Milestones

V3.1.1- 13 June 2019 - Live

v3.1.4 - Planned 16 June 2020

v3.1.5 - Planned 24 September 2020

v3.1.6 - Planned December 2020

v3.1.7 - Planned 10 June 2021

v3.1.8 - Planned 23 September 2021

v3.1.10 - Planned 22nd September 2022 

VRP - May 2023 (personal), April 2023 (business)

Products

Savings and Credit Cards - 13/06/2019


Brand(s)
Northern Bank Limited t/a Danske Bank
From 13 May 2020 Danske Bank A/S (London Branch) are out of scope, they should use PSD2
ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints



Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://developers.danskebank.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) 

open.banking@danskebank.co.uk
Key Implementations

High Cost Credit

Danske - HCC.xlsx

Error Codes

Error Codes - Consent Journey

Error codes Consent Journey.xlsx