Investec Bank PLC
Adam Pretlove (Unlicensed)
Mike Wallace
Anneline Pierlet
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) |
| Business Accounts are written against 3.1.10 specification Private Client Accounts are written against the 3.1 specification. We are aim to complete our private client upgrade by mid 2025. All consumers will be required update there subscriptions to include our new API products. This can be done by logging into the developer portal or by updating your App if you registered via DCR. |
| Read/Write API - Which date are you planning to implement your latest version? | Business Accounts completed June 2023 We'll look to migrate Private Client Accounts in mid 2024 | |
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) |
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| DCR - Which date are you planning to implement your latest version? | ||
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 | 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? |
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Have you implemented VRP – Sweeping, if not date planned to Implement? |
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Have you implemented VRP non-Sweeping, if not date planned 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 | £20k for High Income clients £1m for High Net worth clients | We perform checks on payments for security reasons and may call clients to verify information. |
| PISP - Daily Payment Limit | £20k for High Income clients £1m for High Net worth clients | We perform checks on payments for security reasons and may call clients to verify information. |
| How many months of transaction do you provide? | 2 Years | |
| Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement? | Yes | June 2024 |
| What is your approach to Implementing TRIs? |
| From June 2024 we will accept all TRI fields but will only process 'PaymentPurposeCode'. |
Which date are you planning on implementing the SCA reauthentication exemption? | Mid 2023 | |
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What is your approach to token management to enable application of the reauthentication exemption? (see link to FCA guidance) |
| Example approach:
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| 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 | Please specify the time period in minutes | |
| SCA-RTS implementation status (updated by OBL PS team only) | Planned / In-progress / Implemented / TBC |
-Which Security profile have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned) |
| From end of November 2024 Investec Bank Plc will support FAPI (ID2) claims in our /token and /authorization. These endpoints will now validate the exp and nbf claims provided they are supplied in the requests independently and in isolation. From February 2025 we will make nbf and exp claims mandatory and validate the 60 min TTL Currently our live implementation is as follows
New implementation from Nov 2024
Final implementation from Feb 2025
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| Security Profile - Next Planned Version Implementation Date | ||
| CIBA Profile - Implemented or planning to implement (Lowest version = Current, Highest version = Planned) |
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| CIBA Profile - Next Planned Version Implementation Date | ||
| Security Profile Certification date? | ||
| Token Endpoint Authentication Methods Supported |
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| Planned date to Cease support for client id and client secret token endpoint authentication | TBC | |
| 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) |
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| Which date are you planning to implement your latest CEG version? | TBC | |
| Redirection Model |
| TBC depending on client usage of OB channel |
| -Which Directory are you using as your Trust Framework? | Open Banking | |
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| Are you caching the Directory? | No | |
| Transaction IDs Supported | No | Transaction ID's are a new field according to 3.2 specifications. We are currently still supporting 3.1 |
Are you Seeking Fallback Exemption? |
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| Article 10 - Maximum time period after authentication | The access token is valid for 10 minutes. | AISPs will be able to access Account information endpoints without SCA for a 90 day period. |
| Article 10 - Endpoints exempt of SCA | None | TPPs will be able to access Account information endpoints without SCA for a 90 day period. |
| Major Milestones | Business account offering in development using version 3.1.10 | |
| Brand(s) |
Location of Well Known Endpoints | https://developer.investec.com/uk/home Developer Portal | |
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Modified Customer Interface URL (if applicable) | ||
| Dev Portal URL | https://developer.investec.com/uk/home | |
| 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) | openapi@investec.co.uk |
High Cost Credit | Investec - HCC.xlsx |
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