Lloyds Banking Group PLC
Masud Hussain (Unlicensed)
Kevin A Floyd
Ian Weeks (Unlicensed)
This Section applies to ASPSPs that have implemented OB Standards
| -Have you Implemented OB Standards? |
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| Open Data - Which version have you Implemented? |
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Read/Write API Specification Implemented or planning to implement (Lowest version = Current, Highest version = Planned) |
| Current Implementation is v3.1.10 for all Endpoints LBG plans to implement v4.0 of the API standard for all endpoints by March 2025; further details on precise release timings will be communicated later Implementation development is in progress for all brands (Halifax, Lloyds and Bank of Scotland) We are currently evaluating dates for deprecation of v3.1.10, however as a minimum support will run through until Q3 2025 at the earliest LBG is evaluating to what extend optional error codes and payment status will be supported - details will be provided as part of TPP comms closer to implementation date |
| Read/Write API - Which date are you planning to implement your latest version? | By Mar 2025 | See above for detail |
Have you implemented v4.0 information flows, if not date planned to Implement? |
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Dynamic Client Registration - Which version have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned) |
| LBG went live with v3.2 of Dynamic Client Registration with effect from 14th March 2020. |
| DCR - Which date are you planning to implement your latest version? | N/A | |
Have you implemented Trusted beneficiaries, if not date planned to Implement? |
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Have you implemented Reverse Payments, if not date planned to Implement? |
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Have you implemented ECA Standard? |
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ECA Implementation details | ||
Have you implemented Bulk/File Payments? |
| 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? |
| VRP endpoints are Live and available for subscription |
Have you implemented VRP non-Sweeping, if not date planned 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? |
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Which date are you planning on implementing the SCA reauthentication exemption? | Implementation of SCA re-authentication exemption was on 28th Sept 2022. | |
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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 Implementation, 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 |
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| Article 10A - Endpoints not exempt of SCA-RTS |
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| 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 |
-Which Security profile have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned) |
| FAPI ID2 profile currently supported LBG implemented FAP1 Advanced profile on |
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| Security Profile - Next Planned Version Implementation Date | Cutover to FAPI Advanced profile will be undertaken by end of 2024 | |
| CIBA Profile - Implemented or planning to implement (Lowest version = Current, Highest version = Planned) |
| 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 |
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| 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) |
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-What is your approach to Implementing OBL Customer Experience Guidelines (CEG)? (tick all that apply) |
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Which version have you implemented or planning to implement? (Lowest version = Current, Highest version = Planned) |
| We have delivered to v3.1.10 covering CMA roadmap closure LBG are planning on supporting v4.0 changes by March 2025 |
| Which date are you planning to implement your latest CEG version? | Q3 2022 | |
| Redirection Model |
| Retail (Lloyds, Halifax, Bank of Scotland) 14/05/2019 Retail (MBNA) 13/09/2019 Business Lloyds and Bank of Scotland 24/06/2019 |
| -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; this covers Current and Savings accounts, including debit card transactions but not Credit Card transactions. LBG are planning on introducing Unique Transaction ID on Credit Cards by end of 2024; dates to be communicated in due course. |
Are you Seeking Fallback Exemption? |
| 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 :
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Location of Well Known Endpoints | ||
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Modified Customer Interface URL (if applicable) | ||
| Dev Portal URL | https://developer.lloydsbanking.com/prod01/lbg/home | 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 |
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 |
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