Clydesdale Bank Plc (Virgin Money merged APIs)

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
Read/Write API - Which date are you planning to implement your latest version?	No update currently planned
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?	No update currently planned
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	Not applicable	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
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: not applicable [You can use this space to provide implementation details relevant to VRP]
PISP - Single Payment Limit	£	See product description page on website https://uk.virginmoney.com/
PISP - Daily Payment Limit	£	See product description page on website https://uk.virginmoney.com/
How many months of transaction do you provide?	For 5 minutes, the API will return transaction details for any period that the customer provides consent for. If ‘fromBookingDateTime’ is not specified, we will default to 90 days. After 5 minutes, transaction details will only be returned for a 90 day period.
Are you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?	We currently have no plans to implement the additional TRIs
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?	22nd September 2022
What is your approach to token management to enable application of the reauthentication exemption? (see link to FCA guidance)	Long-lived refresh token from 22nd September 2022	AIS consents created after 22nd September 2022 - TPPs will be issued with long-lived refresh tokens, which will have a ten-year (3,650 days) expiry date, unless a shorter expiry date is provided by the AISP. This will allow them to refresh Access Tokens for a period of 10 years without requiring customer re-authentication. Existing AIS consents will require a final re-authentication, where TPPs will present a valid short-lived refresh token (90 days) at which point they will be issued with a long-lived token, which will have a ten-year expiry date, unless a shorter expiry date is provided by the AISP. No further authentication will be required during the ten-year period, unless • there is suspected fraud or unauthorised access or • a PSU has revoked the access We reserve the right to request re-authentication of AIS consents for reasons including, but not limited to, the above stated reasons
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	5,256,000 minutes	Please specify the time period in minutes
SCA-RTS implementation status (updated by OBIE 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 Other (Please define)
Security Profile - Next Planned Version Implementation Date	No update currently planned
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?	No certification currently planned
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 OBIE 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
Which date are you planning to implement your latest CEG version?	No update currently planned
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys

PSD2

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	Yes
Transaction IDs Supported	Option 1
Are you enrolled to Dispute Management System?	Yes No
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	10 years (3650 days) for AISP (as long as the customer has allowed access for at least that length of time)
Article 10 - Endpoints exempt of SCA	Balances, transactions, standing orders and direct debits
Major Milestones	January 2023: B, Clydesdale and Yorkshire Bank branded open banking services decommissioning following completion of our rebranding programme. These accounts can now be accessed via the Virgin Money (merged) API services. July 2020: Virgin Money APIs launched Domestic Immediate and Domestic Scheduled now includes Bacs and CHAPS. March 2020: QWAC/QSEAL eIDAS support September 2019: AISP endpoint APIs uplift to v3.1.2 Domestic Immediate Payments PISP uplift to v3.1.2 App to App redirect August 2019: Confirmation of Funds (PISP) API
Brand(s)	Virgin Money (merged)

ASPSP Dev Portal and Contact Details

ADDITIONAL ASPSP INFORMATION
Location of Well Known Endpoints	Virgin Money (merged): https://api.openbanking.virginmoney.com/open-banking/v3.0/.well-known/openid-configuration
Modified Customer Interface URL (if applicable)	n/a
Dev Portal URL	https://developer.virginmoney.com
Test Facility URL	https://cb.sandbox-api-nc.cybservices.co.uk/open-banking/v3.0/.well-known/openid-configuration
Brand Landing Pages URL	Brand logo for merged Virgin Money APIs	[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)	OpenBankingResponse@cybg.com Support requests should be raised via our Service-Now Support Portal: https://virginmoney.com/openbankingsupport Or via the Open Banking Service Desk by choosing Clydesdale Bank as the ASPSP and stating the ticket relates to our merged APIs.
What products are available under the Merged and Stand-Alone Virgin Money APIs?	A comprehensive list of products supported by each set of APIs is provided in this document

Key Implementations

High Cost Credit