generated: '2026-07-23'
method: searched
source: https://developer.lloydsbanking.com/prod01/lbg/read-write
docs: https://openbankinguk.github.io/read-write-api-site3/v3.1.11/profiles/read-write-data-api-profile.html
note: >-
  Two distinct auth postures. The OBIE Open Data APIs (ATM/branch/product
  reference data) are PUBLIC and unauthenticated. The OBIE Read/Write APIs
  (AIS/PIS/CBPII) are FAPI-secured and onboarded through the shared Lloyds
  Banking Group Developer Portal. No OpenAPI securitySchemes were present in the
  captured Open Data swagger, so this profile is sourced from the Lloyds portal
  and the OBIE Read/Write standard rather than derived from a spec.
summary:
  types: [none, oauth2, mutualTLS]
  api_key_in: []
  oauth2_flows: [authorizationCode, clientCredentials]
surfaces:
  - name: OBIE Open Data APIs
    apis:
      - halifax-open-data-atm-locator-api
      - halifax-open-data-branch-locator-api
      - halifax-open-data-personal-current-accounts-api
      - halifax-open-data-business-current-accounts-api
      - halifax-open-data-unsecured-sme-loans-api
      - halifax-open-data-commercial-credit-cards-api
    auth: none
    detail: Public, unauthenticated; TLS 1.2+ only. No credentials required.
  - name: OBIE Read/Write APIs
    apis:
      - halifax-account-transaction-information-api
      - halifax-payment-initiation-api
      - halifax-confirmation-of-funds-api
    auth: fapi
    detail: >-
      FAPI 1.0 Advanced. OAuth2/OIDC over mutual-TLS. TPPs onboard via the
      Open Banking Directory and the Lloyds Banking Group Developer Portal
      using OBIE/eIDAS (QWAC + QSeal) certificates.
schemes:
  - name: OAuth2 (client_credentials)
    type: oauth2
    flow: clientCredentials
    used_for: Creating account-access-consent / payment-consent / funds-confirmation-consent resources.
    scopes: [accounts, payments, fundsconfirmation]
    sources: [OBIE Read/Write standard, developer.lloydsbanking.com]
  - name: OAuth2 (authorization_code)
    type: oauth2
    flow: authorizationCode
    used_for: PSU authorises the consent; grants access + refresh token for data access / payment submission.
    scopes: [openid, accounts, payments, fundsconfirmation]
    refresh_tokens: true
    ciba_decoupled: true
    sources: [OBIE Read/Write standard, developer.lloydsbanking.com]
  - name: Mutual TLS
    type: mutualTLS
    detail: >-
      All Read/Write connections require mutual-TLS with an OBIE/eIDAS transport
      (QWAC) certificate. Lloyds supports tls_client_auth (mTLS client
      authentication) as an alternative to private_key_jwt client assertion.
    sources: [developer.lloydsbanking.com]
  - name: private_key_jwt
    type: oauth2-client-auth
    detail: Supported client authentication method (JWS client assertion) alongside tls_client_auth.
request_signing:
  header: x-jws-signature
  detail: Detached JWS signature over the request/response body for payment and consent messages (OBIE message signing).
required_headers:
  - x-fapi-interaction-id
  - x-fapi-auth-date
  - x-fapi-customer-ip-address
  - x-idempotency-key