Test Banks
# Mock Financial Institutions
Below you will find a list of mock financial institutions that can be used for testing purposes. They are divided in 2 sections:
- API/Open Banking
- Legacy/Screen Scraping
## API/Open Banking
This is the list of mock banks that can be used to test `api` connections that follow the same authentication flow as Open Banking.
***
### **Moneyhub Open Banking Mock**
Bank Id: `1ffe704d39629a929c8e293880fb449a`
This mock bank can be used for:
- Creating a new financial connection
- Making payments
**Credentials**
You can authenticate with the Mock Bank simply by clicking the "Log in as demo user" button. This will log in as our demo user, which has a selection of accounts and transactions set up for testing.
Credentials for test users with customised accounts and transactions may be available on request.
**Payments**
All payments are always successful unless using the following values for the payment reference:
- `INVALID REQUEST` : This will cause for the payment to fail on the initial request before redirecting to the bank for user consent.
- `INVALID SUBMISSION` : This will cause for the payment to fail on payment submission after being redirected back from the bank.
**Payment charges**
If you wish to try out a payment with charges applied, set the payment reference to `INCLUDE CHARGES`
#### Webhooks
This bank can be used to test the following webhooks:
- `newTransactions`: The initial connection will send this webhook with the new transactions that have just been added.
- `paymentCompleted`: This webhook is fired after a payment was successful.
- `paymentError`: This webhook is fired when the payment fails using the `INVALID SUBMISSION` reference.
- `reauthReminder`: The reauth reminder can be tested by following the steps below:
- Create a connection with Open Banking Mock
- Use the `PATCH /users/`{userId}`/connections/`{connectionId}` endpoint to update the `expiresAt` field to a date that is within 5 days. This can currently only be used if the client uses their own consent screens.
- An alternative to using the `PATCH /users/`{userId}`/connections/`{connectionId}` endpoint is using the `expirationDateTime` claim to set the expiry of the connection. This can be used by clients using Moneyhub consent screens. See [here](doc:ais-consents#consent-expiration-and-transactions) for more information about `expirationDateTime`. Please be advise using `expirationDateTime` claim will be mean tppConsent is always false. However the reauth process is still testable in this way.
- If the `expiresAt` value has been changed to be within the next 5 days then a `reauthReminder` webhook should be generated on the next scheduled connection sync i.e. within the next 4 hours.
***
### **Ozone Open Banking Mock**
Bank Id: `5233db2a04fe41dd01d3308ea92e8bd7`
This mock bank can be used for:
- Creating a new financial connection
- Making payments
**Credentials**
| Username | Password |
| :------- | :------- |
| rora | rora |
| mits | mits |
#### Webhooks
This bank can be used to test the following webhooks:
- `newTransactions`: The initial connection will send this webhook with the new transactions that have just been added
- `paymentCompleted`: This webhook is fired after a payment was successful
## Legacy/Screen Scraping
This is the list of mock banks that can be used to test `legacy` connections that follow the same authentication flow as Screen scraping connections.
> 📘 Legacy scope required
>
> This type of test connections require the legacy scope enabled for your API client, this scope is not enabled by default and you will need to contact us if you wish to test screen scrapping connections.
***
### DAG Legacy Mock
Bank Id: `06995ed5c6c6f25e323b34dc45968426`
Name: `Dag Site`
This bank returns different account types depending on credentials used.
This mock bank can be used for:
- Creating a new financial connection
- Refreshing an existing financial connection
| Username | Password | MFA Token | Account types |
| :--------------------------- | :------------- | :-------- | :------------------------------------- |
| `moneyhub.dag1.Loans4` | `Loans4` | n/a | mortgage, loans (student and personal) |
| `moneyhub.dag1.Investment11` | `Investment11` | n/a | Investments and pensions |
### DAG Multi Factor Authentication Legacy Mock
Bank Id: `c76bdfeb26e68aae528b0416a96975ba`
Name: `Dag Site Multilevel`
This bank can return cash, savings and credit cards.
MFA is always required when creating a connection. When refreshing a connection MFA is not required if it has been submitted already in the previous 15 minutes.
This mock bank can be used for:
- Creating a new financial connection
- Refreshing an existing financial connection
- Test Multi factor authentication
| Username | Password | MFA Token | Account types |
| :-------------------------- | :------------ | :-------- | :------------------------- |
| `moneyhub.dag2.site16442.3` | `site16442.3` | `123456` | cash, savings, credit card |
| `moneyhub.dag1.Multilevel1` | `Multilevel1` | `123456` | cash |
### DAG Site Security QA
Bank Id: `93a35913d9cd588bba5e48bef9e3fe6b`
Name: `Dag Site SecurityQA`
This bank returns different account types depending on the credentials used. This mock bank can be used for:
- Creating a new financial connection
- Refreshing an existing financial connection
- Test security
| Username | Password | MFA Token | Account types |
| :--------------------------- | :------------ | :-------- | :------------------ |
| `moneyhub.dag1.SecurityQA1` | `SecurityQA1` | 123456 | investment, pension |
| `mh.yodlee.dag2.site16486.1` | `site16486.1` | | cash, credit card |
**Security questions:**
- **What is the name of your state?:** `Texas`
- **What is the name of your first school?:** `w3schools`
### DAG Savings Legacy Mock
Bank Id: `1b3cd579899b5f5b666c15561a48c8b6`
Name: `Dag Site`
This bank returns savings accounts with transactions
- Creating a new financial connection
- Refreshing an existing financial connection
| Username | Password | MFA Token | Account types |
| :-------------------- | :------- | :-------- | :------------ |
| `moneyhub.dag1.bank2` | `bank2` | N/A | savings |Updated 13 days ago