The Co-operative Bank · Authentication Profile

Co Operative Bank Authentication

Authentication

The Co-operative Bank secures its APIs with oauth2, openIdConnect, and mutualTLS across 3 declared security schemes, as derived from its OpenAPI definitions. OAuth 2.0 is offered via the authorizationCode flow(s).

Financial-ServicesBankingOpen BankingPSD2OBIEUnited KingdomPaymentsAccount InformationConfirmation of FundsFintech

Methods: oauth2, openIdConnect, mutualTLS Schemes: 3 OAuth flows: authorizationCode API key in:

Security Schemes

OpenBankingOAuth2 oauth2

OpenIDConnect openIdConnect

MutualTLS mutualTLS

Source

Authentication Profile

generated: '2026-07-23'
method: searched
source: >-
  https://www.developer.co-operativebank.co.uk/apis/general-specifications/ +
  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/
summary:
  model: FAPI-grade OAuth2 / OpenID Connect with mutual-TLS and PSD2 SCA (OBIE Read/Write 3.1)
  types: [oauth2, openIdConnect, mutualTLS]
  oauth2_flows: [authorizationCode]
  api_key_in: []
  transport_security: mutual-TLS (client certificates signed by the Open Banking Directory)
issuer: https://bank-retail.apis.co-operativebank.co.uk/apis/oauth/v1/
endpoints:
  authorization: https://bank-retail.apis.co-operativebank.co.uk/apis/oauth/v1/oauth2/auth
  token: https://bank-retail.apis.co-operativebank.co.uk/apis/oauth/v1/oauth2/token
  token_sandbox: https://sandbox-openbanking-retail.apis.co-operativebanktest.co.uk/apis/oauth/v1/oauth2/token
  token_production: https://openbanking-retail.apis.co-operativebank.co.uk/apis/oauth/v1/oauth2/token
schemes:
- name: OpenBankingOAuth2
  type: oauth2
  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
  pkce:
    required: true
    code_challenge_method: S256
  token_endpoint_auth_methods_supported: [client_secret_post, client_secret_basic, private_key_jwt, none]
  grant_types_supported: [authorization_code, implicit, client_credentials, refresh_token]
  response_types_supported: [code, code id_token, id_token, token id_token, token, token id_token code]
  access_token_ttl: 30 minutes
  refresh_token_ttl: 30 days
- name: OpenIDConnect
  type: openIdConnect
  openIdConnectUrl: https://openbanking-retail.apis.co-operativebank.co.uk/apis/oauth/v1/.well-known/openid-configuration
- name: MutualTLS
  type: mutualTLS
  description: >-
    All API calls require TLS mutual authentication with client transport
    certificates signed by the Open Banking Directory; certificates must have a
    minimum of 90 days until expiry (OBWAC/OBSEAL eIDAS certificates).
strong_customer_authentication:
  standard: PSD2 SCA
  step_up_2fa: >-
    Two-factor step-up is required in AIS journeys where sensitive data is
    requested (transactions over 90 days, standing orders, direct debits, or
    scheduled payments).
request_signing:
  standard: OBIE JWS detached signature (JAdES)
  evidence: >-
    Payment endpoints return UK.OBIE.Signature.Missing / .Malformed / .Invalid /
    .MissingClaim / .InvalidClaim errors, confirming JWS request-signature
    validation on PIS payment orders.
onboarding:
  model: manual TPP onboarding
  contact: tpp.onboarding@co-operativebank.co.uk
  requires: [FCA or Gibraltar FSC regulation, Open Banking Directory SSA (Software Statement Assertion), OB Directory transport + signing certificates]

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