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: >-
  OBIE Read/Write standard scopes for the FAPI-secured AIS/PIS/CBPII APIs.
  Not derivable from the captured Open Data swagger (which is public and
  declares no oauth2 securityScheme); sourced from the OBIE Read/Write standard
  and the Lloyds Banking Group Developer Portal. The Open Data APIs require no
  scopes.
schemes:
  - name: OAuth2
    flows:
      - flow: clientCredentials
        tokenUrl: https://authorise.<gated>/token
        note: Token URL is provisioned per-TPP via the Lloyds Developer Portal / OB Directory; not publicly published.
      - flow: authorizationCode
        note: Authorization + token endpoints discovered per-brand via OIDC; onboarding-gated.
scopes:
  - scope: openid
    description: OpenID Connect authentication of the payment service user (PSU).
    flows: [authorizationCode]
  - scope: accounts
    description: >-
      Account and Transaction Information (AIS). Read account, balance,
      transaction, beneficiary, standing-order, direct-debit, product, offer,
      party, scheduled-payment and statement data under an account-access-consent.
    flows: [clientCredentials, authorizationCode]
    apis: [halifax-account-transaction-information-api]
  - scope: payments
    description: >-
      Payment Initiation (PIS). Set up and submit domestic, international,
      scheduled, standing-order and (where supported) variable-recurring
      payments under a payment consent. Refresh tokens supported for VRP.
    flows: [clientCredentials, authorizationCode]
    apis: [halifax-payment-initiation-api]
  - scope: fundsconfirmation
    description: >-
      Confirmation of Funds (CBPII). Confirm whether funds are available for a
      specified amount on a PSU account under a funds-confirmation-consent.
    flows: [clientCredentials, authorizationCode]
    apis: [halifax-confirmation-of-funds-api]
refresh_tokens_supported: [accounts, payments, fundsconfirmation]