generated: '2026-07-23'
method: searched
source: https://openbanking-retail.apis.co-operativebank.co.uk/apis/oauth/v1/.well-known/openid-configuration
docs: https://www.developer.co-operativebank.co.uk/apis/general-specifications/
schemes:
- name: OpenBankingOAuth2
  flows:
  - flow: authorizationCode
    authorizationUrl: https://bank-retail.apis.co-operativebank.co.uk/apis/oauth/v1/oauth2/auth
    tokenUrl: https://bank-retail.apis.co-operativebank.co.uk/apis/oauth/v1/oauth2/token
scopes:
- scope: openid
  description: OpenID Connect authentication; required to obtain an id_token for the PSU.
  flows: [authorizationCode]
  source: openid-configuration scopes_supported
- scope: offline_access
  description: Request a refresh token so the TPP can obtain new access tokens without re-authenticating the PSU (within the consent window).
  flows: [authorizationCode]
  source: openid-configuration scopes_supported
- scope: offline
  description: Offline access variant advertised by the authorization server.
  flows: [authorizationCode]
  source: openid-configuration scopes_supported
- scope: accounts
  description: >-
    OBIE Read/Write account-information (AIS) scope requested at the token
    endpoint alongside a signed account-access-consent, gating accounts,
    balances, transactions, direct debits, standing orders and scheduled
    payments. (OBIE Read/Write standard scope; not enumerated in the OIDC
    discovery document but required by the AISP flow.)
  flows: [authorizationCode]
  source: OBIE Read/Write 3.1 standard
- scope: payments
  description: >-
    OBIE Read/Write payment-initiation (PIS) scope requested alongside a signed
    payment-order consent for domestic payments, scheduled payments and standing
    orders. (OBIE Read/Write standard scope.)
  flows: [authorizationCode]
  source: OBIE Read/Write 3.1 standard
- scope: fundsconfirmation
  description: >-
    OBIE Read/Write confirmation-of-funds (CBPII) scope requested alongside a
    funds-confirmation consent. (OBIE Read/Write standard scope.)
  flows: [authorizationCode]
  source: OBIE Read/Write 3.1 standard
note: >-
  The bank's authorization server advertises only openid/offline_access/offline
  in its OIDC discovery document; the accounts/payments/fundsconfirmation scopes
  are the OBIE Read/Write 3.1 standard scopes that gate the corresponding
  consent + resource endpoints and are documented as OBIE standard, not verified
  in the discovery document.