slug: bank-of-scotland provider: Bank of Scotland generated_by: planning/capability-mapping/scripts/classify_capabilities.py model: claude-opus-5 frame: - Banking & Capital Markets min_confidence: 0.7 capability_model: source: https://github.com/vincentmakes/turbo-ea-capabilities license: CC-BY-4.0 attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities, CC BY 4.0 notice: NOTICE edge_count: 24 edges: - tag: Domestic Payment Consents spec_file: bank-of-scotland-domestic-payment-consents-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.9 evidence: POST /domestic-payment-consents CreateDomesticPaymentConsents Create a Domestic Payment Consent; "Confirm availability of funds for a Domestic Payment" reason: Open Banking PISP consent creation and funds confirmation is payment instruction capture, validation and authorisation. - tag: Domestic Payments spec_file: bank-of-scotland-domestic-payments-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.9 evidence: POST /domestic-payments CreateDomesticPayments Initiate a Domestic Payment reason: Explicit domestic payment initiation and status retrieval — Payment Initiation Management. - tag: Domestic Scheduled Payments spec_file: bank-of-scotland-domestic-scheduled-payments-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.9 evidence: POST /domestic-scheduled-payments CreateDomesticScheduledPayments Initiate a Domestic Scheduled Payment reason: Initiation and retrieval of future-dated domestic payment instructions — Payment Initiation Management. - tag: International Payments spec_file: bank-of-scotland-international-payments-api-openapi.yml capability_id: BC-1340.40 capability_id_l1: BC-1340 capability_name: Cross-Border Payment Management confidence: 0.9 evidence: POST /international-payments "Initiate an International Payment" reason: Initiation and status retrieval of international (cross-border) payments. - tag: Domestic Scheduled Payment Consents spec_file: bank-of-scotland-domestic-scheduled-payment-consents-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.88 evidence: POST /domestic-scheduled-payment-consents CreateDomesticScheduledPaymentConsents Create a Domestic Scheduled Payment Consent reason: Consent capture and authorisation for a scheduled domestic payment instruction — payment initiation. - tag: Domestic Standing Orders spec_file: bank-of-scotland-domestic-standing-orders-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.88 evidence: POST /domestic-standing-orders CreateDomesticStandingOrders Submit a Domestic Standing Order reason: Submission and retrieval of recurring domestic payment instructions (standing orders) — payment instruction capture and authorisation. - tag: International Payment Consents spec_file: bank-of-scotland-international-payment-consents-api-openapi.yml capability_id: BC-1340.40 capability_id_l1: BC-1340 capability_name: Cross-Border Payment Management confidence: 0.88 evidence: POST /international-payment-consents "Create an International Payment Consent"; "Confirm Funds Availability for an International Payment" reason: Consent capture and authorisation for cross-border payment initiation. - tag: International Scheduled Payments spec_file: bank-of-scotland-international-scheduled-payments-api-openapi.yml capability_id: BC-1340.40 capability_id_l1: BC-1340 capability_name: Cross-Border Payment Management confidence: 0.88 evidence: POST /international-scheduled-payments "Initiate an International Scheduled Payment" reason: Initiation of future-dated cross-border payments. - tag: Domestic Standing Order Consents spec_file: bank-of-scotland-domestic-standing-order-consents-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.85 evidence: POST /domestic-standing-order-consents CreateDomesticStandingOrderConsents Create a Domestic Standing Order Consent reason: Consent/authorisation capture for a recurring standing order payment instruction, with frequency and mandate classification schemas — payment initiation. - tag: File Payment Consents spec_file: bank-of-scotland-file-payment-consents-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.85 evidence: POST /file-payment-consents — "Create a File Payment Consent"; "Upload a File for a ConsentId" (Payment Initiation API) reason: Open Banking payment-initiation consent capture and authorisation for bulk/batch file payments — payment instruction capture and authorisation. - tag: File Payments spec_file: bank-of-scotland-file-payments-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.85 evidence: POST /file-payments "Submit a File Payment"; "Get payment details for a File Payment" reason: Submission and status tracking of bulk file payment instructions under the Payment Initiation spec — payment initiation/instruction capture. - tag: International Scheduled Payments Consents spec_file: bank-of-scotland-international-scheduled-payments-consents-api-openapi.yml capability_id: BC-1340.40 capability_id_l1: BC-1340 capability_name: Cross-Border Payment Management confidence: 0.85 evidence: POST /international-scheduled-payment-consents "Create an International Scheduled Payment Consent" reason: Consent/authorisation capture for scheduled cross-border payment initiation. - tag: International Standing Orders spec_file: bank-of-scotland-international-standing-orders-api-openapi.yml capability_id: BC-1340.40 capability_id_l1: BC-1340 capability_name: Cross-Border Payment Management confidence: 0.85 evidence: POST /international-standing-orders "Submit an International Standing Order" reason: Recurring cross-border payment instruction submission and detail retrieval. - tag: International Standing Orders Consents spec_file: bank-of-scotland-international-standing-orders-consents-api-openapi.yml capability_id: BC-1340.40 capability_id_l1: BC-1340 capability_name: Cross-Border Payment Management confidence: 0.82 evidence: POST /international-standing-order-consents "Create an International Standing Order Consent" reason: Consent capture for recurring cross-border payment mandates. - tag: Branch spec_file: bank-of-scotland-branch-api-openapi.yml capability_id: BC-1300.50 capability_id_l1: BC-1300 capability_name: Banking Channels Management confidence: 0.8 evidence: GET /branches — "Open Data Branch API" reason: Open Data publication of branch locations/details, which is branch channel information — Banking Channels Management. - tag: Products spec_file: bank-of-scotland-products-api-openapi.yml capability_id: BC-1310.10 capability_id_l1: BC-1310 capability_name: Product Catalogue Management confidence: 0.78 evidence: GET /products GetProducts; schemas OBPCAData1, OB_FeeCategory1Code, OB_InterestRateType1Code_0, OB_InterestCalculationMethod1Code reason: Exposes the bank's product master for accounts, including fees, rates and interest calculation attributes — banking product catalogue data. Parameter detail is present but the surface is a catalogue read. - tag: BCA spec_file: bank-of-scotland-bca-api-openapi.yml capability_id: BC-1310.10 capability_id_l1: BC-1310 capability_name: Product Catalogue Management confidence: 0.75 evidence: GET /business-current-accounts — "Open Data BCA API" reason: Open Data product-information endpoint publishing the bank's business current account product range (features, rates, eligibility). That is a banking product catalogue disclosure, not an account-servicing operation. - tag: Balances spec_file: bank-of-scotland-balances-api-openapi.yml capability_id: BC-1330.10 capability_id_l1: BC-1330 capability_name: Deposit Account Management confidence: 0.75 evidence: GET /accounts/{AccountId}/balances GetAccountsAccountIdBalances Get Balances for an AccountId reason: Open Banking AISP balance retrieval for deposit/current accounts (OBReadBalance1, OBCreditDebitCode). Account information servicing of deposit accounts; could also be read as customer servicing but deposit account management is the closest fit. - tag: Parties spec_file: bank-of-scotland-parties-api-openapi.yml capability_id: BC-1300.40 capability_id_l1: BC-1300 capability_name: Customer Information Management confidence: 0.75 evidence: GET /accounts/{AccountId}/party Get Party for an AccountId; schemas EmailAddress, OBPostalAddress7, OBPartyRelationships1, PartyId reason: Open Banking Parties endpoints expose the account holder's identity, contact and relationship data — banking customer information/golden-record data rather than any technical object. - tag: Scheduled Payments spec_file: bank-of-scotland-scheduled-payments-api-openapi.yml capability_id: BC-1340 capability_id_l1: BC-1340 capability_name: Payments & Card Management confidence: 0.72 evidence: GET /accounts/{AccountId}/scheduled-payments Get Scheduled Payments for an AccountId; schemas OBScheduledPayment3, ScheduledPaymentDateTime, DebtorReference reason: Surfaces future-dated payment instructions held against an account — payments domain data. Read-only retrieval makes the specific sub-capability (initiation vs processing) ambiguous, so only the L1 is asserted. - tag: Standing Orders spec_file: bank-of-scotland-standing-orders-api-openapi.yml capability_id: BC-1340 capability_id_l1: BC-1340 capability_name: Payments & Card Management confidence: 0.72 evidence: GET /accounts/{AccountId}/standing-orders GetAccountsAccountIdStandingOrders; schemas OBFrequency6Code, LastPaymentDateTime, OBExternalMandateClassification1Code reason: Standing order mandates are recurring payment instructions on the account, clearly the payments capability; the read-only surface does not pin down a single sub-capability. - tag: Beneficiaries spec_file: bank-of-scotland-beneficiaries-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.7 evidence: GET /accounts/{AccountId}/beneficiaries GetAccountsAccountIdBeneficiaries Get Beneficiaries for an AccountId reason: Beneficiary (payee) records held against a payment account, with account identification and financial-institution identification schemas — payment instruction payee data supporting payment initiation. - tag: CCC spec_file: bank-of-scotland-ccc-api-openapi.yml capability_id: BC-1310.10 capability_id_l1: BC-1310 capability_name: Product Catalogue Management confidence: 0.7 evidence: GET /commercial-credit-cards — "Open Data CCC API" reason: Open Data product catalogue endpoint listing commercial credit card products and their terms; product-information disclosure rather than card issuance or transaction processing. - tag: Direct Debits spec_file: bank-of-scotland-direct-debits-api-openapi.yml capability_id: BC-1340.10 capability_id_l1: BC-1340 capability_name: Payment Initiation Management confidence: 0.7 evidence: GET /accounts/{AccountId}/direct-debits GetAccountsAccountIdDirectDebits Get Direct Debits for an AccountId reason: Retrieval of direct debit mandates on an account (OBMandateRelatedInformation1, ExternalMandateStatus1Code) — payment mandate/instruction information under payments management.