Saving changes FAQs | Help & Support | YBS
FAQs
Our answers to Frequently Asked Questions on the changes to your Savings Terms and Conditions
Third Party Providers (TPP)
What you you mean by a TPP that uses Open Banking?
A TPP is a third party provider. Every TPP that uses Open Banking to offer products or services must be regulated by the FCA or another relevant European regulator. A customer will be able to give consent to a TPP to allow them to access information on their payment accounts. An approved TPP can be found on the FCA register .
There are three types of TPP:
- Account Information Service Provider (AISP) - a third party to whom you grant consent to view your account(s) alongside your payment accounts from other banks and building societies.
- Card Based Payment Instrument Issuer (CBPII) - a third party to whom you grant consent to check if your account has available funds when making a payment.
- Payment Initiation Service Provider (PISP) - a third party to whom you may grant consent to make a payment on your behalf.
Registration Issues
I am not registered for online access to my payment account but would like to sign up to TPP services; can I do this?
Before you can sign up to TPP services you need to be registered to YBSG online services through our website.
Please visit https://www.ybs.co.uk/help/online to find out more.
Do I have to input my existing customer number / user name or will you provide a new username for accessing the account information service via a TPP?
Yes, you will need your existing customer number or username along with your password to authorise the TPP to access your payment account information.
Please visit https://www.ybs.co.uk/help/online/registration for help on logging in.
How do I find my customer number?
I have entered my login details and they are not working.
I have a temporary password, I require a new password.
Please visit our website and login using the temporary password; you will then be able to set up a new password.
Please visit https://www.ybs.co.uk/help/online/registration for help on logging in.
I tried resetting my password by logging in but it has not reset?
My account is locked. How do I unlock my account?
Please ensure you are entering your customer number and not your account number.
Please visit https://www.ybs.co.uk/help/online/registration for help on logging in.
Consent Issues
The system displays a message stating "No accounts available for this service". Why is this?
Can I extend the authorisation for accessing my information for a longer period?
Unfortunately, this is currently not possible for AISPs. All authorisations last for 90 days and require refresh after 90 days.
For CBPIIs, authorisation is not limited to a time period unless you state otherwise.
This does not apply to PISPs.
How do I cancel an authorisation once it’s been set up?
I did not authorise this TPP request. What do I do?
How do I know if a TPP is genuine?
Visit the FCA website and search for the approved TPP via the FCA register. Always ensure you use the genuine TPP’s website or app. Fraudsters often set up fake versions of websites in an attempt to obtain information.