Coutts
This Section applies to ASPSPs that have impletemented OB Standards
-Have you Implemented OB Standards? |
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| Open Data - Which version have you Implemented? |
| Coutts and Adam & Co are not a CMA9 bank so have only implemented SME Unsecured Lending products for Open Data. Aiming to implement H1 2024 |
Read/Write API Specification Implemented or planning to implement (Lowest version = Current, Highest version = Planned) |
| Lowest Version – 3.1.1 Highest Version – 3.1.8 (July 2022) |
| Read/Write API - Which date are you planning to implement your latest version? | There is plan to upgrade the API version 3.1.11 by end of 2023 (excluding Sweeping and VRP - this is planned for 2025) | |
Dynamic Client Registration - Which version have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned) |
| 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? |
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Have you implemented Reverse Payments, if not date planned to Implement? |
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Have you implemented ECA Standard? |
| Not Applicable |
ECA Implementation details | Not applicable | |
Have you implemented Bulk/File Payments? |
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Have you implemented VRP – Sweeping, if not date planned to Implement? |
| Planning to implement in 2025 |
Have you implemented VRP non-Sweeping, if not date planned to Implement? |
| VRP implementation is in progress and planning to release in 2025. |
| 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. There is no limit on historical transaction. API request can be customized with “to” and “from” dates to retrieve the historical transaction. |
| What is your approach to Implementing TRIs? |
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Which date are you planning on implementing the SCA reauthentication exemption? | ||
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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 |
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| Article 10A - Endpoints not exempt of SCA-RTS |
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| Article 10A - Maximum time period after authentication | Please specify the time period in minutes | |
| SCA-RTS implementation status (updated by OBIE PS team only) | Planned / In-progress / Implemented / TBC |
-Which Security profile have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned) |
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|---|---|---|
| Security Profile - Next Planned Version Implementation Date | N/A | |
| CIBA Profile - Implemented or planning to implement (Lowest version = Current, Highest version = Planned) |
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| CIBA Profile - Next Planned Version Implementation Date | N/A | |
| Security Profile Certification date? | N/A | |
| Token Endpoint Authentication Methods Supported |
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| 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) |
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-What is your approach to Implementing OBIE Customer Experience Guidelines (CEG)? (tick all that apply) |
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|---|---|---|
Which version have you implemented or planning to implement? (Lowest version = Current, Highest version = Planned) |
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| Which date are you planning to implement your latest CEG version? | Planning to implement V3.1.11 by end of 2023 | |
| Redirection Model |
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| -Which Directory are you using as your Trust Framework? | The Open Banking Directory | |
|---|---|---|
| Are you caching the Directory? | No | Analysis is underway and will be implemented Q4 2019 |
| Transaction IDs Supported | Yes | Transaction id's are provided against each booked transaction that are returned on the transactions endpoint |
Are you enrolled to Dispute Management System? |
| Not looking to enroll as DMS will be superseded in due course. |
Are you Seeking Fallback Exemption? |
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| 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 | 2019 Q4 eIDAS support 2023 Q3 Architecture change to Apigee (aligning with NWG) | |
| Brand(s) | Coutts |
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 | ||
| Brand Landing Pages URL |
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ASPSP Support Desk Email or Phone Number (including queries about consent success rates) | https://rbsgroupapiservicedesk.spectrumhosting.net/plugins/servlet/desk/portal/1 |
High Cost Credit | TBC |
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