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Coutts

Coutts

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

Implemented April, 2024

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

Implemented v4.0 in June 2025

 

Deprecated v3.1.11 12th January 2026

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



Coutts support the latest API version V4.0

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 V3.2



Already implemented compliance with 3.2

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 



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 

Sweeping VRPs implemented in Q4 2025.

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

Already Implemented
Planning to implement
Not planning to implement 



PISP - Single Payment Limit

First time pay £25000

There is no limit after that



PISP - Daily Payment Limit

First time pay £25000

There is no limit after that



How many months of transaction do you provide?

By default 3 months, no limit on historic data

By default, API returns the three months of transaction details. API requests can be customized with “to” and “from” dates to retrieve the historical transaction.

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





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?





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



90 Day Re-Authentication changes related to Article 10 were implemented on September 2022.

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)



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) 



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?

N/A



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
V4.0.1



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



Coutts supporting API version V4.0

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?

No



Transaction IDs Supported

Yes

Transaction id's are provided against each booked transaction that are returned on the transactions endpoint

Are you Seeking Fallback Exemption?

Yes
No



Article 10 - Maximum time period after authentication

N/A

Coutts and Co 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

Coutts and co are adopting Article 10 Exemption for 90 day reauthentication, no further restrictions are being applied under Article 10

Major Milestones

2024 Q1 Open Data API 

2025 Q2 V4.0 release 

2025 Q4 Sweeping VRPs



Brand(s)

Coutts



ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints

OB Technical Directory

https://secure1.coutts.com/.well-known/openid-configuration

Modified Customer Interface URL (if applicable)





Dev Portal URL

https://www.bankofapis.com/



Test Facility URL

https://bankofapis.com/sandbox



Brand Landing Pages URL



ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

https://natwest-bankofapi-servicemanagement.atlassian.net/jira/dashboards



Key Implementations

High Cost Credit

TBC



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