Natwest Group PLC (NatWest, RBS, Ulster Bank)

Owned by Adam Pretlove (Unlicensed)
Last updated: about 4 hours ago by Sriram Tumuluri
5 min read
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

Lowest Version – 3.1.10


Highest Version – 3.1.11


Planning to implement V4.0 mandated standards by end of Q1 2025

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

3.1.11 Functional Conformance 

3.1.11 Functional Conformance , 4.0 in development (may be FAPI & ISO20022 compliance)

Planning to implement V4.0 mandated standards by end of Q1 2025

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

BoA V3.3


Already implemented compliance with 3.3
DCR - Which date are you planning to implement your latest version?
Already Implemented

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

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

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 
Already Implemented our own customer API

ECA Implementation details


Customer API documentation - Bank of APIs

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 
VRP Sweeping MRO exited on 21st Sept, and now available to TPPs

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

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

VRP non-Sweeping Delivered – 10th Dec 2021

PISP - Single Payment LimitVariable £5k - £50k ( dependent on customer type i.e. Personal/Premier/Business) see BOAPI links for further information

FAQs | Bank of APIs

PISP - Daily Payment LimitVariable £5k - £50k ( dependent on customer type i.e. Personal/Premier/Business) see BOAPI links for further informationFAQs | Bank of APIs
How many months of transaction do you provide?
  • Up to 7 years Personal
  • Up to 11 months Commercial
  • Currently 6m Credit Cards
Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?Already implemented

Implemented Q2,2023


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)  
Payment Context code, Contract Present Indicator, Beneficiary Payment details pre-populated indicator, Payee Account Name, Beneficiary Account Type, Merchant Customer Identification , Delivery Address , Merchant Category Code, Payment Purpose Code
SCA-RTS 90-day reauth Implementation

Which date are you planning on implementing the SCA reauthentication exemption?


Already Implemented - 8th September 2022

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

NatWest Group tokens are already long-lived and not linked to the 90-day re-auth. trigger. 

Example approach:
Issue a long-lived refresh token during one final SCA, with refresh token rotation implemented.

NatWest Group tokens are already long-lived and not linked to the 90-day re-auth. trigger

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 OBL PS team only)

IMPLEMENTED

12/08/2022
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) 
Planning to implement FAPI 1 Advanced by end of Feb, 2025
Security Profile - Next Planned Version Implementation Date
N/A
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?


Originally Certified  - Oct 2020

Re-Certification -  31st Jan 2022
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

Already implemented 3.1.11

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

Lowest – 3.1.9

Highest – 3.1.11 

Planning to implement V4.0 mandated standards by end of Q1 2025

Which date are you planning to implement your latest CEG version?September 2022 (v3.1.10)
Redirection Model
  • App to App redirection
  • Decoupled authentication
  • Embedded Flow
  • Bespoke User Journeys


  • App to App redirection
  • Browser Redirection
PSD2
-Which Directory are you using as your Trust Framework?The Open Banking Directory
Are you caching the Directory?The static data such as client IDs are cashed, but not certificates and keys.
Transaction IDs Supported

Transaction IDs are supported, please refer to:

3.1.6 Transaction Endpoint Documentation - Bank of APIs

Are you Seeking Fallback Exemption?

  • Yes
  • No

No, already received exemption.

Article 10 - Maximum time period after authenticationN/ARBSG are adopting Article 10 Exemption for 90 day reauthentication, no further restrictions are being applied under Article 10
Article 10 - Endpoints exempt of SCA

N/A

Options to implement the FCA guidance on “exception circumstances” SCA are currently being evaluated.e 10
Major Milestones

Exited MRO 21st Sept 2022


Brand(s)NatWest, Ulster Bank Northern Ireland, RBS
ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints

Consent Confirmation Support – Authorisation Servers Explained – Bank of APIs

Modified Customer Interface URL (if applicable)

n/a
Dev Portal URLhttps://www.bankofapis.com/
Test Facility URLhttps://bankofapis.com/sandbox
Brand Landing Pages URLhttps://www.bankofapis.com/ -Bottom of the page for the logos. Images attached here for ease

Logos


  • Natwest - , 


  • RBS -  , 


  • UBN - , 


ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

https://rbsgroupapiservicedesk.spectrumhosting.net/plugins/servlet/desk/portal/1Please visit help & updates page to raise a service desk ticket
Key Implementations
RBS - HCC.xlsxRBS - HCC.xlsxDelivered in 2020