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Clydesdale Bank Plc (Virgin Money stand-alone APIs)

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
  • V4.0


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

No update planned


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


DCR - Which date are you planning to implement your latest version?

No update planned


Have you implemented Trusted beneficiaries, if not date planned to Implement?

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


Not available in PSU channels

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 


Not available in PSU channel

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.


Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?

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).

*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 authentication

1,051,200 minutes

Please specify the time period in minutes

SCA-RTS implementation status (updated by OBL 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 (ID2)
  • FAPI 1 Advanced
  • Other (Please define) 


FAPI (ID2) compliant but no certification

Security Profile - Next Planned Version Implementation Date

No update planned


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

N/A


Security Profile Certification date?

No certification 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 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


Which date are you planning to implement your latest CEG version?

No update 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 Supported

No


Are you Seeking Fallback Exemption?

  • Yes
  • No


Article 10 - Maximum time period after authentication

2 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 URL

https://developer.virginmoney.com


Test Facility URL

https://sandbox.virginmoney.com/sandbox/openbanking/.well-known/openid-configuration


Brand Landing Pages URL

Brand logo for stand-alone Virgin Money APIs

ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

OpenBankingResponse@virginmoney.com

Support requests should be raised 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 direct customer 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