generated: '2026-07-23'
method: searched
source: https://developer.nationwide.co.uk/open-banking
standard: OBIE Read/Write API Standard (UK Open Banking)
docs: https://openbankinguk.github.io/read-write-api-site3/
notes: >-
  OAuth 2.0 scopes in UK Open Banking are coarse-grained and fixed at client
  registration. Fine-grained permissions are expressed through OBIE consent
  "intents" (account-access-consent, payment-order consents,
  funds-confirmation-consent) that the PSU authorises, not through additional
  scopes. Only the four canonical OBIE scopes below apply to Nationwide's
  Read/Write surface. The Open Data APIs use no scopes (public).
schemes:
- name: OAuth2
  flows:
  - flow: authorizationCode
  - flow: clientCredentials
scopes:
- scope: openid
  description: OpenID Connect authentication; returns an id_token binding the PSU authorisation to the consent intent.
  flows: [authorizationCode]
- scope: accounts
  description: >-
    Access to the Account and Transaction Information (AIS) APIs — accounts,
    balances, transactions, beneficiaries, standing orders, direct debits,
    scheduled payments, statements, parties and products, subject to an
    authorised account-access-consent.
  flows: [authorizationCode, clientCredentials]
  apis: [Nationwide Account and Transaction Information API (AIS)]
- scope: payments
  description: >-
    Access to the Payment Initiation (PIS) and Variable Recurring Payments (VRP)
    APIs — create and authorise domestic/international payment-order consents and
    VRP consents, then submit payment orders.
  flows: [authorizationCode, clientCredentials]
  apis:
  - Nationwide Payment Initiation API (PIS)
  - Nationwide Variable Recurring Payments API (VRP)
- scope: fundsconfirmations
  description: >-
    Access to the Confirmation of Funds (CBPII) API — create a
    funds-confirmation-consent and check whether funds are available on an account.
  flows: [authorizationCode, clientCredentials]
  apis: [Nationwide Confirmation of Funds API (CBPII)]