POST /obp/v7.0.0/banks/BANK_ID/my/consents/IMPLICIT

This endpoint starts the process of creating a Consent.

The Consent is created in an INITIATED state.

A One Time Password (OTP) (AKA security challenge) is sent Out of Band (OOB) to the User via the transport defined in SCA_METHOD SCA_METHOD is typically "SMS","EMAIL" or "IMPLICIT". "EMAIL" is used for testing purposes. OBP mapped mode "IMPLICIT" is "EMAIL". Other mode, bank can decide it in the connector method 'getConsentImplicitSCA'.

When the Consent is created, OBP (or a backend system) stores the challenge so it can be checked later against the value supplied by the User with the Answer Consent Challenge endpoint.

An OBP Consent allows the holder of the Consent to call one or more endpoints.

Consents must be created and authorised using SCA (Strong Customer Authentication).

That is, Consents can be created by an authorised User via the OBP REST API but they must be confirmed via an out of band (OOB) mechanism such as a code sent to a mobile phone.

Each Consent has one of the following states: INITIATED, ACCEPTED, REJECTED, rejected, REVOKED, EXPIRED, received, valid, revokedByPsu, expired, terminatedByTpp, AUTHORISED, AWAITINGAUTHORISATION.

Each Consent is pinned to one Consumer, and only that Consumer can present the resulting Consent JWT -- any other gets ConsentNotFound. Set consumer_id in the body when the Consent is for a different application than the caller, for example a portal creating a Consent for an agent to use. Omit it when the Consent is for the caller. A Consent that names no Consumer is refused.

User Authentication is Required. The User must be logged in. The Application must also be authenticated.

Example 1: { "everything": true, "views": [], "entitlements": [], "consumer_id": "7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh", }

Please note that consumer_id is optional field Example 2: { "everything": true, "views": [], "entitlements": [], }

Please note if everything=false you need to explicitly specify views and entitlements Example 3: { "everything": false, "views": [ { "bank_id": "GENODEM1GLS", "account_id": "8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0", "view_id": "owner" } ], "entitlements": [ { "bank_id": "GENODEM1GLS", "role_name": "CanGetCustomersAtOneBank" } ], "consumer_id": "7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh", }

URL Parameters:

BANK_ID: gh.29.uk

IMPLICIT: IMPLICIT

{ "everything": false, "views": [ { "bank_id": "gh.29.uk", "account_id": "8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0", "view_id": "owner" } ], "entitlements": [ { "bank_id": "gh.29.uk", "role_name": "CanGetCustomersAtOneBank" } ], "consumer_id": "7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh", "valid_from": "2026-10-21T01:45:41Z", "time_to_live": 3600 }

{ "consent_id": "9d429899-24f5-42c8-8565-943ffa6a7945", "jwt": "eyJhbGciOiJIUzI1NiJ9.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.8cc7cBEf2NyQvJoukBCmDLT7LXYcuzTcSYLqSpbxLp4", "status": "INITIATED" }