Coutts
This Section applies to ASPSPs that have implemented OB Standards
-Have you Implemented OB Standards? |
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|---|---|---|
Open Data - Which version have you Implemented? |
| Implemented April, 2024 |
Read/Write API Specification Implemented or planning to implement (Lowest version = Current, Highest version = Planned) |
| 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? |
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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 Bulk/File Payments? |
| [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? |
| Sweeping VRPs implemented in Q4 2025. |
Have you implemented VRP non-Sweeping, if not date planned to Implement? |
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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? |
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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 |
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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 OBL 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 OBL 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? | Coutts supporting API version V4.0 | |
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 | |
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? |
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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 | 2024 Q1 Open Data API 2025 Q2 V4.0 release 2025 Q4 Sweeping VRPs | |
Brand(s) | Coutts |
Location of Well Known Endpoints | OB Technical Directory | |
|---|---|---|
Modified Customer Interface URL (if applicable) | ||
Dev Portal URL | ||
Test Facility URL | ||
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 |