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	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 21^st 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 – 10^th 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		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 - 31^st 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 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