Clydesdale Bank Plc (Virgin Money stand-alone APIs)

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

Read/Write API - Which date are you planning to implement your latest version?No update currently planned

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?No update currently planned

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

Not applicable

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 

Have you implemented VRP non-Sweeping, if not date planned to Implement?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 

Contact: not applicable

[You can use this space to provide implementation details relevant to VRP]
PISP - Single Payment Limit£See product description page on website
https://uk.virginmoney.com/
PISP - Daily Payment Limit£See product description page on website
https://uk.virginmoney.com/
How many months of transaction do you provide?For credit card accounts we provide 13 months transactions and for personal savings and current accounts and business accounts we provide up to a maximum of 1180 transactions.
Are you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?We have no plans to implement TRIs
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?

27th October 2022

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

Long lived access token from 27th October 2022

AIS consents created after 27th October 2022 - TPPs will be issued with long-lived access tokens, which will be accessible for two-year (730 days), unless a shorter period is provided by the AISP. This will allow access for 2 years without requiring customer re-authentication.

Existing AIS consents will require a final re-authentication, when a long-lived access token will be issued, which will be valid for 2 years (730 days).

PLEASE NOTE: We are implementing a 2-year expiry as we are carrying out some work to upgrade our stand-alone API infrastructure, which we expect to be completed during this period.

Once that work is complete, we will be in a position to extend the expiry date beyond 2 years. Further communications will be issued once we have more specific details to share.

*No further authentication will be required during the two-year period, unless there is suspected fraud or unauthorised access or
• a PSU has revoked the access
*We reserve the right to request re-authentication of AIS consents for reasons including, but not limited to, the above stated reasons

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 authentication1,051,200 minutesPlease specify the time period in minutes
SCA-RTS implementation status (updated by OBIE PS team only)

IMPLEMENTED

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
  • Other (Please define) 

Security Profile - Next Planned Version Implementation DateFAPI compliant but no certification
CIBA Profile - Implemented or planning to implement

(Lowest version = Current, Highest version = Planned)

  • None
  • CIBA
  • CIBA FAPI Profile

CIBA Profile - Next Planned Version Implementation DateN/A
Security Profile Certification date?
No certification currently planned

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 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?No update currently planned
Redirection Model
  • App to App redirection
  • Decoupled authentication
  • Embedded Flow
  • Bespoke User Journeys
Additional product selection landing page
PSD2
-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
Transaction IDs SupportedNo

Are you enrolled to Dispute Management System?

  • Yes
  • No

Are you Seeking Fallback Exemption?

  • Yes
  • No


Article 10 - Maximum time period after authentication2 years (730 days) for AISP (as long as the customer has allowed access for at least that length of time)
Article 10 - Endpoints exempt of SCA

Accounts, Balances, Transactions, Beneficiaries, Direct Debits, Standing Orders, Offers, Scheduled Payments


Major Milestones

4 March 2020 – Release of Version 3.1.1

(Inc Other Products, API Updates, API Deprecations, etc)


Brand(s)Virgin Money (stand-alone)
ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints

Virgin Money (stand-alone)


https://api.prod.ob.virginmoney.com/vmpsd2-psd2prod/psd2-production/.well-known/openid-configuration

Modified Customer Interface URL (if applicable)

n/a
Dev Portal URLhttps://developer.virginmoney.com
Test Facility URLhttps://sandbox.virginmoney.com/sandbox/openbanking/.well-known/openid-configuration
Brand Landing Pages URL

 Brand logo for stand-alone Virgin Money APIs

[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) 

OpenBankingResponse@cybg.com

Support requests should be raised via our Service-Now Support Portal:
https://virginmoney.com/openbankingsupport

Or via the Open Banking Service Desk by choosing Clydesdale Bank as the ASPSP and stating the ticket relates to our stand-alone APIs.



ADDITIONAL ASPSP INFORMATION:

Which Payment Types do Virgin Money support?




We support Faster Payments, Balance Transfers & Money Transfers.

Enumeration types:

  • UK.OBIE.FPS
  • UK.OBIE.BalanceTransfer
  • UK.OBIE.MoneyTransfer

For Faster Payments we only support payments from a Savings Account to a customers’ nominated account.

In line with existing channels we do not support payments from a current account.


Balance Transfers and Money Transfers are supported on Credit Card Accounts
What products are available under the Merged and Stand-Alone Virgin Money APIs?

A comprehensive list of products supported by each set of APIs is provided in this document

Key Implementations

High Cost Credit