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
Article 10A - Endpoints not exempt of SCA-RTS	Accounts Transactions (more than 90days) Standing orders Direct debits Beneficiaries Products Offers Parties Scheduled Payments Statements
Article 10A - Maximum time period after authentication	5	Please 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 URL	https://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