Why am I seeing different displayNames for accounts after a while?

Due to SCA regulation and the Bank's implementation of the accounts endpoint, information about the product name of the account is only retrievable during the first hour after consent.

Using Nationwide as an example, this means that if an end-user connects an account and you make a request for accounts immediately after that, you will see the account displayName as FlexDirect Account or FlexAccount or FlexPlus etc.

After one hour, if you request the list of accounts for this user again, you may see the displayName formatted as 123456 XXXX5678. These numbers are the sort code and masked account number, as provided by Nationwide.

Solution

Call /accounts and save the user’s information right after successful authentication.

More

 Check out more about SCA and its effects here.