Revolut Ltd

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
International Payments/Standing Orders/Scheduled Payments, Domestic Standing Orders//Scheduled Payments, File Payments (Revolut Business customers only), Account Access to Vaults implemented
Read/Write API - Which date are you planning to implement your latest version?

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

DCR - Which date are you planning to implement your latest version?

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 ECA Standard?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 

ECA Implementation details


Contact: [enter contact details for the relevant person(s) at your organisation]

[You can use this space to provide your status with respect to the Standard]

Have you implemented Bulk/File Payments?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 
Only available to Business accounts

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

  • Already Implemented
  • Planning to implement
  • Not planning to implement 

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

  • Already Implemented
  • Planning to implement
  • Not planning to implement 

Contact: [enter contact details for the relevant person(s) at your organisation]

[You can use this space to provide implementation details relevant to VRP]
PISP - Single Payment Limit£
PISP - Daily Payment Limit£
How many months of transaction do you provide?

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?New

New date: 27.10.2022

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

  • Revolut will introduce a long-lived access token
  • Revolut will introduce a long-lived access token
  • After the rollout, any AIS consent for UK accounts will not require re-authentication every 90 days
  • Re-authentication every 180 days will be required for EU accounts

For any additional questions, please reach out to us at api-requests@revolut.com

Article 10A - Endpoints exempt of SCA-RTS
  • Accounts

  • Transactions (90days)

  • Balances

  • Standing orders

  • Direct debits

  • Beneficiaries

  • Products

  • Offers

  • Parties

  • Scheduled Payments

  • Statements

As of 15.09.2024 exemption will only apply to balances and transactions (max 90 days) endpoints
Article 10A - Endpoints not exempt of SCA-RTS
  • Transactions (more than 90days)

  • Standing orders

  • Direct debits

  • Beneficiaries

  • Products

  • Offers

  • Parties

  • Scheduled Payments

  • Statements

As of 15.09.2024 exemption will only apply to balances and transactions (max 90 days) endpoints
Article 10A - Maximum time period after authentication5Please specify the time period in minutes
SCA-RTS implementation status (updated by OBL PS team only)

IMPLEMENTED

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

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

Security Profile Certification date?
 

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

Which date are you planning to implement your latest CEG version?TBC
Redirection Model
  • App to App redirection
  • Decoupled authentication
  • Embedded Flow
  • Bespoke User Journeys

Authentication and consent creation journeys are implemented as it is described in Customer Experience Guidelines.

currently all authentication is embedded in user's initiation environment (see below per moving to web-to-app)

Options on 90 day re-authentication?

We force re-authentication every 90 dyas
PSD2
-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
Transaction IDs Supported

Are you Seeking Fallback Exemption?

  • Yes
  • No


Article 10 - Maximum time period after authentication

Article 10 - Endpoints exempt of SCA

No endpoints exempted of SCA


Major Milestones

Brand(s)

ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints

OB Technical Directory

Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://developer.revolut.com/
Test Facility URL

Brand Landing Pages URL
[You can use this space to explain your guidance on using Brand logos]

ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

api-requests@revolut.com

Recent Milestones



App-to-app authentication

March 2020


Sandbox credentials generation

May 2020

TPPs can register for sandbox credentials through Revolut Developer Portal https://developer.revolut.com/portal/signup

Domestic Standing Orders//Scheduled Payments,

May 2020


File Payments (Revolut Business customers only)

May 2020


International Payments/Standing Orders/Scheduled Payments

May 2020


Vaults Release to Open Banking API - Web

May 2020


Waiver 007 Implementation End

16th June


Future Roadmap



Credit Cards Released to Open Banking API

Users will soon be able to grant access to Credit Cards to Open Banking API


Web-to-App Authentication

Revolut Business Users will soo be able to grant TPPs access on their App for requests initiated on Web


See below details for different certificates accepted against our Open Banking API for different time periods. Please note, Revolut maintains one API for both our EEA and UK based customers. Please see our public documentation for which certificates are accepted against user's from different entities here: https://developer.revolut.com/docs/build-banking-apps/#introduction-to-the-open-banking-api-global-customer-access-controls

PRE-BREXIT - Certificates Accepted (until 31st Dec 2020)

POST-BREXIT TRANSITION - Certificates Accepted (1st Jan 2021 - 30th Jun 2021)

POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)

eIDAS
(QWAC/QSealC)

OB legacy (obtransport, obsigning)

OB Certs
(OBWAC/OBSeal)

eIDAS
(QWAC/QSealC)

OB legacy (obtransport, obsigning)

OB Certs
(OBWAC/OBSeal)

eIDAS
(QWAC/QSealC)

OB legacy (obtransport, obsigning)

OB Certs
(OBWAC/OBSeal)

Yes 

Yes 

Yes 

Yes 

 Yes

Yes 

 Yes

No

Yes