openapi: 3.2.0 info: title: Account and Transaction API Specification Accounts API description: 'Swagger for Account and Transaction API Specification. **Please Note**: There are no optional fields, if a field is not marked as “Required” it is a Conditional field. ' termsOfService: https://www.openbanking.org.uk/terms contact: name: Service Desk email: ServiceDesk@openbanking.org.uk license: name: open-licence url: https://www.openbanking.org.uk/open-licence version: 4.0.1 servers: - url: /open-banking/v4.0/aisp tags: - name: Accounts paths: /accounts: get: tags: - Accounts summary: Get Accounts description: Enables an AISP to retrieve a list of a PSU's accounts and information about those account(s) that the PSU has consented to. operationId: GetAccounts parameters: - $ref: '#/components/parameters/x-fapi-auth-date' - $ref: '#/components/parameters/x-fapi-customer-ip-address' - $ref: '#/components/parameters/x-fapi-interaction-id' - $ref: '#/components/parameters/Authorization' - $ref: '#/components/parameters/x-customer-user-agent' - $ref: '#/components/parameters/x-client-id' responses: '200': $ref: '#/components/responses/200AccountsRead' '400': $ref: '#/components/responses/400Error' '401': $ref: '#/components/responses/401Error' '403': $ref: '#/components/responses/403Error' '405': $ref: '#/components/responses/405Error' '406': $ref: '#/components/responses/406Error' '429': $ref: '#/components/responses/429Error' '500': $ref: '#/components/responses/500Error' security: - PSUOAuth2Security: - accounts /accounts/{AccountId}: get: tags: - Accounts summary: Get an Account by AccountId description: Enables an AISP to retrieve information about a specific PSU account. operationId: GetAccountsAccountId parameters: - $ref: '#/components/parameters/AccountId' - $ref: '#/components/parameters/x-fapi-auth-date' - $ref: '#/components/parameters/x-fapi-customer-ip-address' - $ref: '#/components/parameters/x-fapi-interaction-id' - $ref: '#/components/parameters/Authorization' - $ref: '#/components/parameters/x-customer-user-agent' - $ref: '#/components/parameters/x-client-id' responses: '200': $ref: '#/components/responses/200AccountsAccountIdRead' '400': $ref: '#/components/responses/400Error' '401': $ref: '#/components/responses/401Error' '403': $ref: '#/components/responses/403Error' '405': $ref: '#/components/responses/405Error' '406': $ref: '#/components/responses/406Error' '429': $ref: '#/components/responses/429Error' '500': $ref: '#/components/responses/500Error' security: - PSUOAuth2Security: - accounts components: schemas: PostCode: description: Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. type: string example: EC2N 4AG minLength: 1 maxLength: 16 OBAddressType2Code: description: Identifies the nature of the postal address.
For a full set of codes see `OBAddressType2Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets). type: string example: BIZZ enum: - BIZZ - DLVY - MLTO - PBOX - ADDR - HOME - CORR - STAT Name_1: description: Name by which an agent is known and which is usually used to identify that agent. type: string example: Agent Name minLength: 1 maxLength: 140 TownName: description: Name of a built-up area, with defined boundaries, and a local government. type: string example: London minLength: 1 maxLength: 140 ISODateTime: description: "All dates in the JSON payloads are represented in ISO 8601 date-time format. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00" type: string format: date-time OBFileFormat: description: For a full list of enumeration values refer to `ExternalDocumentFormat1Code` in *ISO_External_CodeSet* [here](https://github.com/OpenBankingUK/External_internal_CodeSets) type: string enum: - DPDF - DXML - SDSH - WORD - XSLT - DCSV Room: description: Information that locates and identifies a room to form part of an address type: string example: Basement 03 minLength: 1 maxLength: 70 OBBranchAndFinancialInstitutionIdentification5_0: type: object required: - SchemeName - Identification description: Party that manages the account on behalf of the account owner, that is manages the registration and booking of entries on the account, calculates balances on the account and provides information about the account. properties: SchemeName: $ref: '#/components/schemas/OBInternalFinancialInstitutionIdentification4Code' Identification: $ref: '#/components/schemas/Identification_1' Name: $ref: '#/components/schemas/Name_1' UnitNumber: description: Number that identifies the unit of a specific address . type: string example: A88 minLength: 1 maxLength: 16 Description_0: description: Specifies the description of the account type. type: string minLength: 1 maxLength: 35 StatusUpdateDateTime: description: "Date and time at which the resource status was updated. All dates in the JSON payloads are represented in ISO 8601 date-time format. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00" type: string format: date-time OBReadAccount6: type: object required: - Data properties: Data: type: object properties: Account: type: array items: $ref: '#/components/schemas/OBAccount6' Links: $ref: '#/components/schemas/Links' Meta: $ref: '#/components/schemas/Meta' additionalProperties: false Nickname: description: The nickname of the account, assigned by the account owner in order to provide an additional means of identification of the account. type: string minLength: 1 maxLength: 70 OBFrequency2: description: For a full list of enumeration values refer to `OBFrequency2Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_internal_CodeSets) type: string enum: - YEAR - DAIL - INDA - MNTH - QURT - MIAN - TEND - MOVE - WEEK - NONE - SLCT OpeningDate: description: "Date on which the account and related basic services are effectively operational for the account owner. All dates in the JSON payloads are represented in ISO 8601 date-time format. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00" type: string format: date-time OBInternalSwitchStatusCode: description: Specifies the switch status for the account, in a coded form.
For a full list of enumeration values refer to `OBInternalSwitchStatusCode` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets) type: string x-namespaced-enum: - UK.CASS.NotSwitched - UK.CASS.SwitchCompleted OBCommunicationMethod: description: 'For a full list of enumeration values see `OBExternalCommunicationMethod2Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_internal_CodeSets) ' type: string enum: - EMAL - FAXI - FILE - ONLI - POST AccountId: description: A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner. type: string example: '22289' minLength: 1 maxLength: 40 OBError1: type: object properties: ErrorCode: $ref: '#/components/schemas/OBExternalStatusReason1Code' Message: description: 'A description of the error that occurred. e.g., ''A mandatory field isn''t supplied'' or ''RequestedExecutionDateTime must be in future'' OBL doesn''t standardise this field' type: string minLength: 1 maxLength: 500 Path: description: Recommended but optional reference to the JSON Path of the field with error, e.g., Data.Initiation.InstructedAmount.Currency type: string minLength: 1 maxLength: 500 Url: description: URL to help remediate the problem, or provide more information, or to API Reference, or help etc type: string required: - ErrorCode additionalProperties: false minProperties: 1 OBInternalAccountStatus1Code: description: 'Specifies the status of account resource in code form.
For a full list of enumeration values refer to `OBInternalAccountStatus1Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets)' type: string example: Enabled enum: - Deleted - Disabled - Enabled - Pending - ProForma SecondaryIdentification: description: "This is secondary identification of the account, as assigned by the account servicing institution. \nThis can be used by building societies to additionally identify accounts with a roll number (in addition to a sort code and account number combination)." type: string example: '87562298675897' minLength: 1 maxLength: 34 OBErrorResponse1: description: An array of detail error codes, and messages, and URLs to documentation to help remediation. type: object properties: Id: description: A unique reference for the error instance, for audit purposes, in case of unknown/unclassified errors. type: string minLength: 1 maxLength: 40 Code: description: Deprecated
High level textual error code, to help categorise the errors. type: string minLength: 1 example: 400 BadRequest maxLength: 40 Message: description: Deprecated
Brief Error message type: string minLength: 1 example: There is something wrong with the request parameters provided maxLength: 500 Errors: items: $ref: '#/components/schemas/OBError1' type: array minItems: 1 required: - Errors additionalProperties: false DistrictName: description: Number that of the regional area, known as a district, which forms part of an address type: string example: Greater London minLength: 1 maxLength: 140 OBInternalAccountType1Code: description: Specifies the type of account (personal or business).
For a full list of enumeration values refer to 'OBInternalAccountType1Code' in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets) type: string enum: - Business - Personal OBExternalStatusReason1Code: description: Low level textual error code, for all enum values see `OBExternalStatusReason1Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets) type: string minLength: 4 maxLength: 4 example: U001 PostBox: description: Information that locates and identifies a box in a post office assigned to a person or organization, where letters for them are kept until called for. type: string example: PO Box 123456 minLength: 1 maxLength: 16 BuildingName: description: Name of a referenced building. type: string minLength: 1 maxLength: 140 OBAccount6: type: object description: "Unambiguous identification of the account to which credit and debit entries are made. The following fields are optional only for accounts that are switched:\n\n * Data.Currency \n * Data.AccountCategory \n * Data.AccountTypeCode\n\nFor all other accounts, the fields must be populated by the ASPSP." required: - AccountId properties: AccountId: $ref: '#/components/schemas/AccountId' Status: $ref: '#/components/schemas/OBInternalAccountStatus1Code' StatusUpdateDateTime: $ref: '#/components/schemas/StatusUpdateDateTime' Currency: $ref: '#/components/schemas/ActiveOrHistoricCurrencyCode_0' AccountCategory: $ref: '#/components/schemas/OBInternalAccountType1Code' AccountTypeCode: $ref: '#/components/schemas/OBExternalAccountSubType1Code' Description: $ref: '#/components/schemas/Description_0' Nickname: $ref: '#/components/schemas/Nickname' OpeningDate: $ref: '#/components/schemas/OpeningDate' MaturityDate: $ref: '#/components/schemas/MaturityDate' SwitchStatus: $ref: '#/components/schemas/OBInternalSwitchStatusCode' Account: type: array items: type: object description: Provides the details to identify an account. required: - SchemeName - Identification properties: SchemeName: $ref: '#/components/schemas/OBInternalAccountIdentification4Code' Identification: $ref: '#/components/schemas/Identification_0' Name: $ref: '#/components/schemas/Name_0' LEI: $ref: '#/components/schemas/LEI' SecondaryIdentification: $ref: '#/components/schemas/SecondaryIdentification' StatementFrequencyAndFormat: $ref: '#/components/schemas/StatementFrequencyAndFormat' Servicer: $ref: '#/components/schemas/OBBranchAndFinancialInstitutionIdentification5_0' additionalProperties: false OBInternalFinancialInstitutionIdentification4Code: description: Name of the identification scheme, in a coded form as published in an external list.
For a full list of enumeration values refer to `OBInternalFinancialInstitutionIdentification4Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets) type: string example: UK.OBIE.BICFI x-namespaced-enum: - UK.OBIE.BICFI ActiveOrHistoricCurrencyCode_0: description: "Identification of the currency in which the account is held. \nUsage: Currency should only be used in case one and the same account number covers several currencies\nand the initiating party needs to identify which currency needs to be used for settlement on the account." type: string pattern: ^[A-Z]{3,3}$ StreetName: description: Name of a street or thoroughfare. type: string example: Bank Street minLength: 1 maxLength: 140 Floor: description: Number that identifies the level within a building type: string example: '11' minLength: 1 maxLength: 70 MaturityDate: description: "Maturity date of the account. All dates in the JSON payloads are represented in ISO 8601 date-time format. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00" type: string format: date-time Links: type: object description: Links relevant to the payload properties: Self: type: string format: uri First: type: string format: uri Prev: type: string format: uri Next: type: string format: uri Last: type: string format: uri additionalProperties: false required: - Self Identification_1: description: Unique and unambiguous identification of the servicing institution. type: string example: '80200112344562' minLength: 1 maxLength: 35 OBInternalAccountIdentification4Code: description: Name of the identification scheme, in a coded form as published in an external list.
For a full list of enumeration values refer to `OBInternalAccountIdentification4Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets) type: string x-namespaced-enum: - UK.OBIE.BBAN - UK.OBIE.IBAN - UK.OBIE.PAN - UK.OBIE.Paym - UK.OBIE.SortCodeAccountNumber - UK.OBIE.Wallet Identification_0: description: Identification assigned by an institution to identify an account. This identification is known by the account owner. type: string example: '80200112344562' minLength: 1 maxLength: 256 OBPostalAddress7: type: object description: Information that locates and identifies a specific address, as defined by postal services. properties: AddressType: $ref: '#/components/schemas/OBAddressType2Code' Department: description: Identification of a division of a large organisation or building. example: Finance type: string minLength: 1 maxLength: 70 SubDepartment: description: Identification of a sub-division of a large organisation or building. example: Payroll type: string minLength: 1 maxLength: 70 StreetName: $ref: '#/components/schemas/StreetName' BuildingNumber: $ref: '#/components/schemas/BuildingNumber' BuildingName: $ref: '#/components/schemas/BuildingName' Floor: $ref: '#/components/schemas/Floor' UnitNumber: $ref: '#/components/schemas/UnitNumber' Room: $ref: '#/components/schemas/Room' PostBox: $ref: '#/components/schemas/PostBox' TownLocationName: $ref: '#/components/schemas/TownName' DistrictName: $ref: '#/components/schemas/DistrictName' CareOf: $ref: '#/components/schemas/CareOf' PostCode: $ref: '#/components/schemas/PostCode' TownName: $ref: '#/components/schemas/TownName' CountrySubDivision: description: Identifies a subdivision of a country such as state, region, county. type: string minLength: 1 maxLength: 35 Country: description: Nation with its own government. type: string pattern: ^[A-Z]{2,2}$ AddressLine: type: array items: description: Information that locates and identifies a specific address, as defined by postal services, presented in free format text. type: string minLength: 1 maxLength: 70 minItems: 0 maxItems: 7 Name_0: description: 'The account name is the name or names of the account owner(s) represented at an account level, as displayed by the ASPSP''s online channels. Note, the account name is not the product name or the nickname of the account.' type: string example: Jane Smith minLength: 1 maxLength: 350 LEI: description: Legal entity identification as an alternate identification for a party. Legal Entity Identifier is a code allocated to a party as described in ISO 17442 "Financial Services - Legal Entity Identifier (LEI)". type: string example: IZ9Q00LZEVUKWCQY6X15 minLength: 1 maxLength: 20 pattern: ^[A-Z0-9]{18,18}[0-9]{2,2}$ BuildingNumber: description: Number that identifies the position of a building on a street. type: string example: '11' minLength: 1 maxLength: 16 Meta: title: MetaData type: object description: Meta Data relevant to the payload properties: TotalPages: type: integer format: int32 FirstAvailableDateTime: $ref: '#/components/schemas/ISODateTime' LastAvailableDateTime: $ref: '#/components/schemas/ISODateTime' additionalProperties: false CareOf: description: The 'care of' address is used whenever sending mail to a person or organisation who does not actually live or work at the address. They will receive the mail for the individual. type: string example: Jane Smith minLength: 1 maxLength: 140 OBExternalAccountSubType1Code: description: Specifies the sub type of account (product family group)
For a full list of enumeration values refer to `OBExternalCashAccountType1Code` *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets) type: string enum: - CACC - CARD - CASH - CHAR - CISH - COMM - CPAC - LLSV - LOAN - MGLD - MOMA - NREX - ODFT - ONDP - OTHR - SACC - SLRY - SVGS - TAXE - TRAN - TRAS - VACC - NFCA - MORT - WALT StatementFrequencyAndFormat: type: array items: type: object description: Frequency and format of statements for an account properties: Frequency: $ref: '#/components/schemas/OBFrequency2' CommunicationMethod: $ref: '#/components/schemas/OBCommunicationMethod' Format: $ref: '#/components/schemas/OBFileFormat' DeliveryAddress: $ref: '#/components/schemas/OBPostalAddress7' parameters: AccountId: name: AccountId in: path description: AccountId required: true schema: type: string x-fapi-interaction-id: in: header name: x-fapi-interaction-id required: false description: An RFC4122 UID used as a correlation id. schema: type: string x-customer-user-agent: in: header name: x-customer-user-agent description: Indicates the user-agent that the PSU is using. required: false schema: type: string x-fapi-customer-ip-address: in: header name: x-fapi-customer-ip-address required: false description: The PSU's IP address if the PSU is currently logged in with the TPP. schema: type: string Authorization: in: header name: Authorization required: true description: An Authorisation Token as per https://tools.ietf.org/html/rfc6750 schema: type: string x-fapi-auth-date: in: header name: x-fapi-auth-date required: false description: "The time when the PSU last logged in with the TPP. \nAll dates in the HTTP headers are represented as RFC 7231 Full Dates. An example is below: \nSun, 10 Sep 2017 19:43:31 UTC" schema: type: string pattern: ^(Mon|Tue|Wed|Thu|Fri|Sat|Sun), \d{2} (Jan|Feb|Mar|Apr|May|Jun|Jul|Aug|Sep|Oct|Nov|Dec) \d{4} \d{2}:\d{2}:\d{2} (GMT|UTC)$ x-client-id: in: header name: x-client-id required: false description: "Only used if an ASPSP requires the client ID in order to return rate limit headers. \n\nTPPs __must__ refer to ASPSP developer portals for further information on any rate limit policies, if the headers are supported and any additional requirements.\n\nThis header __must not__ be used for client authentication\n" schema: type: string responses: 200AccountsRead: description: Accounts Read headers: x-fapi-interaction-id: description: An RFC4122 UID used as a correlation id. required: true schema: type: string RateLimit-Policy: $ref: '#/components/headers/RateLimit-Policy' RateLimit: $ref: '#/components/headers/RateLimit' content: application/json; charset=utf-8: schema: $ref: '#/components/schemas/OBReadAccount6' application/json: schema: $ref: '#/components/schemas/OBReadAccount6' application/jose+jwe: schema: $ref: '#/components/schemas/OBReadAccount6' 403Error: description: Forbidden headers: x-fapi-interaction-id: description: An RFC4122 UID used as a correlation id. required: true schema: type: string content: application/json; charset=utf-8: schema: $ref: '#/components/schemas/OBErrorResponse1' application/json: schema: $ref: '#/components/schemas/OBErrorResponse1' application/jose+jwe: schema: $ref: '#/components/schemas/OBErrorResponse1' 406Error: description: Not Acceptable headers: x-fapi-interaction-id: description: An RFC4122 UID used as a correlation id. required: true schema: type: string 405Error: description: Method Not Allowed headers: x-fapi-interaction-id: description: An RFC4122 UID used as a correlation id. required: true schema: type: string 200AccountsAccountIdRead: description: Accounts Read headers: x-fapi-interaction-id: description: An RFC4122 UID used as a correlation id. required: true schema: type: string RateLimit-Policy: $ref: '#/components/headers/RateLimit-Policy' RateLimit: $ref: '#/components/headers/RateLimit' content: application/json; charset=utf-8: schema: $ref: '#/components/schemas/OBReadAccount6' application/json: schema: $ref: '#/components/schemas/OBReadAccount6' application/jose+jwe: schema: $ref: '#/components/schemas/OBReadAccount6' 500Error: description: Internal Server Error headers: x-fapi-interaction-id: description: An RFC4122 UID used as a correlation id. required: true schema: type: string content: application/json; charset=utf-8: schema: $ref: '#/components/schemas/OBErrorResponse1' application/json: schema: $ref: '#/components/schemas/OBErrorResponse1' application/jose+jwe: schema: $ref: '#/components/schemas/OBErrorResponse1' 401Error: description: Unauthorized headers: x-fapi-interaction-id: description: An RFC4122 UID used as a correlation id. required: true schema: type: string 429Error: description: Too Many Requests headers: Retry-After: description: Number in seconds to wait schema: type: integer x-fapi-interaction-id: description: An RFC4122 UID used as a correlation id. schema: type: string 400Error: description: Bad request headers: x-fapi-interaction-id: description: An RFC4122 UID used as a correlation id. required: true schema: type: string content: application/json; charset=utf-8: schema: $ref: '#/components/schemas/OBErrorResponse1' application/json: schema: $ref: '#/components/schemas/OBErrorResponse1' application/jose+jwe: schema: $ref: '#/components/schemas/OBErrorResponse1' headers: RateLimit: required: false description: 'TPPs __must__ refer to ASPSP developer portals for further information on any rate limit policies, if the headers are supported and any additional requirements. A server uses the "RateLimit" response header field to communicate the current service limit for a quota policy for a particular partition key. Example: `RateLimit: "default";r=50;t=30` The **REQUIRED** "r" parameter value conveys the remaining quota units for the identified policy. The **OPTIONAL** "t" parameter value conveys the time window reset time for the identified policy. ' schema: type: string RateLimit-Policy: required: false description: 'TPPs __must__ refer to ASPSP developer portals for further information on any rate limit policies, if the headers are supported and any additional requirements. A non-empty list of Quota Policy Items. The Item value __MUST__ be a String. Example: `RateLimit-Policy: "default";q=100;w=10` The **REQUIRED** "q" parameter indicates the quota allocated by this policy measured in quota units. The **OPTIONAL** "w" parameter value conveys a time window. ' schema: type: string securitySchemes: TPPOAuth2Security: type: oauth2 description: TPP client credential authorisation flow with the ASPSP flows: clientCredentials: tokenUrl: https://authserver.example/token scopes: accounts: Ability to read Accounts information PSUOAuth2Security: type: oauth2 description: OAuth flow, it is required when the PSU needs to perform SCA with the ASPSP when a TPP wants to access an ASPSP resource owned by the PSU flows: authorizationCode: authorizationUrl: https://authserver.example/authorization tokenUrl: https://authserver.example/token scopes: accounts: Ability to read Accounts information