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Natwest Group PLC (NatWest, RBS, Ulster Bank)

Natwest Group PLC (NatWest, RBS, Ulster Bank)

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
V4.0.1

Highest Version – 4.0



 

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

V 4.0

Currently on V 4.0

FAPI 1.0 advanced final has been implemented in Feb, 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
V3.4

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 Bulk/File Payments?

Already Implemented
Planning to implement
Not planning to implement 

[Please use this space to provide more details on bulk/file payments implementation]

(e.g. maximum value/volume of payments per file, maximum file size, requirement for payees to be existing trusted beneficiaries, etc)

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 Limit

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

FAQs | Bank of APIs

PISP - Daily Payment Limit

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

FAQs | 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


180

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) 

 FAPI 1 Advanced implemented in 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
V4.0.1

Currently on – 3.1.11 

Planning to implement V4.0 mandated standards by 30th June, 2025

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





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 authentication

N/A

RBSG 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 URL

https://www.bankofapis.com/



Test Facility URL

https://bankofapis.com/sandbox



Brand Landing Pages URL

https://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/1

Please visit help & updates page to raise a service desk ticket

Key Implementations

RBS - HCC.xlsx

RBS - HCC.xlsx

Delivered in 2020