TSB Bank PLC

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

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

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 

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


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: [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 Customer:

Single Immediate payment - £25,000

Forward Dated payment: £25,000

Standing Order: £10,000

Inter Account Transfer: £1,000,000

Personal customer Under 19s:

Single Immediate payment: £2,500

Forward Dated payment: £2,500

Standing Order: £2,500

Inter Account Transfer: £1,000,000

Business Customers:

Single Immediate payment - £50,000

Forward Dated payment: £50,000

Standing Order: £99,999

Inter Account Transfer: £250,000


PISP - Daily Payment Limit

Personal Customer:

Single Immediate payment - £25,000

Forward Dated payment: £25,000

Standing Order: £10,000

Inter Account Transfer: £1,000,000

Personal customer Under 19s:

Single Immediate payment: £2,500

Forward Dated payment: £2,500

Standing Order: £2,500

Inter Account Transfer: £1,000,000

Business Customers:

Single Immediate payment - £100,000

Forward Dated payment: £100,000

Standing Order: £100,000

Inter Account Transfer: £1,000,000


How many months of transaction do you provide?

Are you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?Not yet 
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?

Q1 2023

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

Re-consent again

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)

In progress

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 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?
Oct 2019

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) 


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

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

Redirection Model
  • App to App redirection
  • Decoupled authentication
  • Embedded Flow
  • Bespoke User Journeys
Production Only
PSD2
-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?

Transaction IDs SupportedDate TBD - Option 4: ASPSPs provide neither a TransactionID nor the method by which TPPs can generate one

Are you enrolled to Dispute Management System?

  • Yes
  • No

Are you Seeking Fallback Exemption?

  • Yes
  • No


Article 10 - Maximum time period after authentication10 minutesAccess token expires after 10 minutes. 
Article 10 - Endpoints exempt of SCA



Major Milestones

v3.1 Sandbox - March 14 2019

v3.1 Production - July 23 2019 - AIS

v3.1 Production - October 14 2019 - PIS: SIP/SOP/FDP

v3.1 Production - January 11 2020 - PIS: International Payments

v3.1 Production - October 14 2019 - CBPII


Brand(s)

ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints

Production: https://apis.tsb.co.uk/apis/open-banking/v3.1/.well-known/openid-configuration

Sandbox: https://apis.tsb.co.uk/apis/sandbox/open-banking/v3.1/.well-known/openid-configuration


Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://apis.developer.tsb.co.uk
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) 

obtppsupport@tsb.co.uk
Key Implementations

High Cost Credit

TSB Bank - HCC.xlsx