generated: '2026-07-21'
method: derived
source: openapi/bank-australia-cds-banking-openapi.json
description: >-
  Entity-relationship graph derived from the shared DSB Consumer Data Standards
  Banking OpenAPI (v1.36.0) that Bank Australia serves. Entities and relationships
  are read from schema $ref links and id-reference fields (accountId, payeeId,
  transactionId, productId, scheduledPaymentId, instalmentPlanId). The public
  Product Reference Data surface exposes only the Product entity; all other
  entities require consumer-authorized CDR access.
entities:
- name: Product
  schema: BankingProductV6 / BankingProductDetailV7
  id_field: productId
  surface: public-prd
  description: >-
    A publicly listed banking product (deposit, credit card, lending) with
    embedded fees, rates, features, eligibility, constraints, and bundles.
- name: Account
  schema: BankingAccountV3 / BankingAccountDetailV5
  id_field: accountId
  surface: consumer-authorized
  description: A customer's authorized account.
- name: Balance
  schema: BankingBalance
  id_field: accountId
  surface: consumer-authorized
  description: Current/available balance, credit limit, and multi-currency purses for an account.
- name: Transaction
  schema: BankingTransactionV2 / BankingTransactionDetailV3
  id_field: transactionId
  surface: consumer-authorized
  description: A transaction on an account, with optional extended NPP payload detail.
- name: DirectDebit
  schema: BankingDirectDebit
  surface: consumer-authorized
  description: A direct-debit authorisation against an account.
- name: ScheduledPayment
  schema: BankingScheduledPaymentV2
  id_field: scheduledPaymentId
  surface: consumer-authorized
  description: A scheduled payment from an account to one or more payee targets, with recurrence.
- name: InstalmentPlan
  schema: BankingProductInstalments (payments/plans)
  id_field: instalmentPlanId
  surface: consumer-authorized
  description: An instalment payment plan associated with an account.
- name: Payee
  schema: BankingPayeeV2 / BankingPayeeDetailV2
  id_field: payeeId
  surface: consumer-authorized
  description: A saved payee (domestic, biller, or international) belonging to the customer.
relationships:
- from: Account
  to: Balance
  type: has_one
  via: accountId
- from: Account
  to: Transaction
  type: has_many
  via: accountId
- from: Account
  to: DirectDebit
  type: has_many
  via: accountId
- from: Account
  to: ScheduledPayment
  type: has_many
  via: accountId
- from: Account
  to: InstalmentPlan
  type: has_many
  via: accountId
- from: Transaction
  belongs_to: Account
  type: belongs_to
  via: accountId
- from: Transaction
  to: InstalmentPlan
  type: has_one
  via: instalmentPlanId
- from: ScheduledPayment
  to: Payee
  type: has_one
  via: to.payeeId
- from: ScheduledPayment
  to: Account
  type: belongs_to
  via: from.accountId
notes: >-
  ids in this data holder are opaque ASCII tokens (no cross-holder-stable
  prefixes); CDR requires accountId/transactionId/payeeId to be non-guessable
  and unique within the data holder. Product ids are public and resolvable via
  GET /banking/products/{productId}.