openapi: 3.0.3 info: title: CDR Banking Banking Account Balances Banking Accounts API version: 1.36.0 description: Specifications for resource endpoints applicable to data holders in the Banking sector. license: name: MIT License url: https://opensource.org/licenses/MIT contact: name: Data Standards Body email: contact@dsb.gov.au url: https://dsb.gov.au/ servers: - description: MTLS url: https://mtls.dh.example.com/cds-au/v1 tags: - name: Banking Accounts x-shortName: Accounts description: Banking Account endpoints paths: /banking/accounts: get: tags: - Banking Accounts summary: Get Accounts description: 'Obtain a list of accounts. Obsolete versions: [v1](includes/obsolete/get-accounts-v1.html), [v2](includes/obsolete/get-accounts-v2.html).' operationId: listBankingAccounts parameters: - $ref: '#/components/parameters/QueryBankingProductCategory' - $ref: '#/components/parameters/QueryBankingAccountOpenStatus' - $ref: '#/components/parameters/QueryBankingAccountIsOwned' - $ref: '#/components/parameters/QueryPage' - $ref: '#/components/parameters/QueryPageSize' - $ref: '#/components/parameters/HeaderXV' - $ref: '#/components/parameters/HeaderXMinV' - $ref: '#/components/parameters/HeaderXFAPIInteractionId' - $ref: '#/components/parameters/HeaderXFAPIAuthDate' - $ref: '#/components/parameters/HeaderXFAPICustomerIPAddress' - $ref: '#/components/parameters/HeaderXCDSClientHeaders' responses: '200': $ref: '#/components/responses/ListBankingAccounts200' '400': $ref: '#/components/responses/ListBankingAccounts400' '406': $ref: '#/components/responses/ListBankingAccounts406' '422': $ref: '#/components/responses/ListBankingAccounts422' x-scopes: - bank:accounts.basic:read x-version: '3' /banking/accounts/{accountId}: get: tags: - Banking Accounts summary: Get Account Detail description: 'Obtain detailed information on a single account. Obsolete versions: [v1](includes/obsolete/get-account-detail-v1.html), [v2](includes/obsolete/get-account-detail-v2.html), [v3](includes/obsolete/get-account-detail-v3.html), [v4](includes/obsolete/get-account-detail-v4.html).' operationId: getBankingAccountDetail parameters: - $ref: '#/components/parameters/PathAccountId' - $ref: '#/components/parameters/HeaderXV' - $ref: '#/components/parameters/HeaderXMinV' - $ref: '#/components/parameters/HeaderXFAPIInteractionId' - $ref: '#/components/parameters/HeaderXFAPIAuthDate' - $ref: '#/components/parameters/HeaderXFAPICustomerIPAddress' - $ref: '#/components/parameters/HeaderXCDSClientHeaders' responses: '200': $ref: '#/components/responses/GetBankingAccountDetail200' '400': $ref: '#/components/responses/GetBankingAccountDetail400' '404': $ref: '#/components/responses/GetBankingAccountDetail404' '406': $ref: '#/components/responses/GetBankingAccountDetail406' x-scopes: - bank:accounts.detail:read x-version: '5' components: responses: GetBankingAccountDetail400: description: The following error codes **MUST** be supported:
headers: x-fapi-interaction-id: $ref: '#/components/headers/XFAPIInteractionId' content: application/json: schema: $ref: '#/components/schemas/ResponseErrorListV2' ListBankingAccounts406: description: The following error codes **MUST** be supported:
headers: x-fapi-interaction-id: $ref: '#/components/headers/XFAPIInteractionId' content: application/json: schema: $ref: '#/components/schemas/ResponseErrorListV2' ListBankingAccounts422: description: The following error codes **MUST** be supported:
headers: x-fapi-interaction-id: $ref: '#/components/headers/XFAPIInteractionId' content: application/json: schema: $ref: '#/components/schemas/ResponseErrorListV2' ListBankingAccounts400: description: The following error codes **MUST** be supported:
headers: x-fapi-interaction-id: $ref: '#/components/headers/XFAPIInteractionId' content: application/json: schema: $ref: '#/components/schemas/ResponseErrorListV2' GetBankingAccountDetail406: description: The following error codes **MUST** be supported:
headers: x-fapi-interaction-id: $ref: '#/components/headers/XFAPIInteractionId' content: application/json: schema: $ref: '#/components/schemas/ResponseErrorListV2' ListBankingAccounts200: description: Successful response headers: x-v: $ref: '#/components/headers/XV' x-fapi-interaction-id: $ref: '#/components/headers/XFAPIInteractionId' content: application/json: schema: $ref: '#/components/schemas/ResponseBankingAccountListV3' GetBankingAccountDetail200: description: Successful response headers: x-v: $ref: '#/components/headers/XV' x-fapi-interaction-id: $ref: '#/components/headers/XFAPIInteractionId' content: application/json: schema: $ref: '#/components/schemas/ResponseBankingAccountByIdV5' GetBankingAccountDetail404: description: The following error codes **MUST** be supported:
headers: x-fapi-interaction-id: $ref: '#/components/headers/XFAPIInteractionId' content: application/json: schema: $ref: '#/components/schemas/ResponseErrorListV2' schemas: BankingFeeDiscountAmount: type: object required: - amount properties: amount: type: string description: The specific amount discounted from the fee each time it is incurred. x-cds-type: AmountString Meta: type: object BankingFeeAmount: type: object required: - amount properties: amount: type: string description: The specific amount charged for the fee each time it is incurred. x-cds-type: AmountString BankingAccountId: type: string description: A unique identifier for a Banking account, generated according to [CDR ID Permanence](#id-permanence) requirements. x-cds-type: ASCIIString CommonPhysicalAddress: required: - addressUType type: object properties: addressUType: type: string description: The type of address object present. enum: - paf - simple simple: $ref: '#/components/schemas/CommonSimpleAddress' paf: $ref: '#/components/schemas/CommonPAFAddress' x-conditional: - simple - paf ErrorV2: type: object required: - code - title - detail x-conditional: - meta properties: code: type: string description: The code of the error encountered. Where the error is specific to the respondent, an application-specific error code, expressed as a string value. If the error is application-specific, the URN code that the specific error extends must be provided in the _meta_ object. Otherwise, the value is the error code URN. title: type: string description: A short, human-readable summary of the problem that **MUST NOT** change from occurrence to occurrence of the problem represented by the error code. detail: type: string description: A human-readable explanation specific to this occurrence of the problem. meta: type: object x-conditional: - urn description: Additional data for customised error codes. properties: urn: type: string description: The CDR error code URN which the application-specific error code extends. Mandatory if the error _code_ is an application-specific error rather than a standardised error code. LinksPaginated: required: - self type: object properties: self: type: string description: Fully qualified link that generated the current response document. x-cds-type: URIString first: type: string description: URI to the first page of this set. Mandatory if this response is not the first page. x-cds-type: URIString prev: type: string description: URI to the previous page of this set. Mandatory if this response is not the first page. x-cds-type: URIString next: type: string description: URI to the next page of this set. Mandatory if this response is not the last page. x-cds-type: URIString last: type: string description: URI to the last page of this set. Mandatory if this response is not the last page. x-cds-type: URIString x-conditional: - prev - next - first - last BankingProductDiscountV2: description: Note that the currency of the fee discount is expected to be the same as the currency of the fee itself. required: - description - discountType - discountMethodUType type: object properties: description: type: string description: Description of the discount. discountType: type: string description: The type of discount. For further details, refer to [Product Discount Types](#tocSproductdiscounttypedoc). enum: - BALANCE - DEPOSITS - ELIGIBILITY_ONLY - FEE_CAP - PAYMENTS discountMethodUType: type: string description: Reference to the applicable fee discount method structure. enum: - fixedAmount - rateBased fixedAmount: description: Mandatory if the _discountMethodUType_ value is `fixedAmount`. Where the discount is a specific amount. allOf: - $ref: '#/components/schemas/BankingFeeDiscountAmount' rateBased: description: Mandatory if the _discountMethodUType_ value is `rateBased`. Where the discount is based on a type of rate. Unless noted in _additionalInfo_, assumes the application and calculation frequency are the same as the corresponding fee. allOf: - $ref: '#/components/schemas/BankingFeeDiscountRate' additionalValue: type: string description: Generic field containing additional information relevant to the [_discountType_](#tocSproductdiscounttypedoc) specified. Whether mandatory or not is dependent on the value of [_discountType_](#tocSproductdiscounttypedoc). additionalInfo: type: string description: Display text providing more information on the discount. additionalInfoUri: type: string description: Link to a web page with more information on this discount. x-cds-type: URIString eligibility: type: array description: Eligibility constraints that apply to this discount. Mandatory if the [_discountType_](#tocSproductdiscounttypedoc) value is `ELIGIBILITY_ONLY`. items: $ref: '#/components/schemas/BankingProductDiscountEligibility' x-conditional: - fixedAmount - rateBased - additionalValue - eligibility ResponseBankingAccountListV3: required: - data - links - meta type: object properties: data: required: - accounts type: object properties: accounts: type: array description: The list of accounts returned. If the filter results in an empty set then this array may have no records. items: $ref: '#/components/schemas/BankingAccountV3' links: $ref: '#/components/schemas/LinksPaginated' meta: $ref: '#/components/schemas/MetaPaginated' BankingCreditCardAccount: required: - minPaymentAmount - paymentDueAmount - paymentDueDate type: object properties: minPaymentAmount: type: string description: The minimum payment amount due for the next card payment. x-cds-type: AmountString paymentDueAmount: type: string description: The amount due for the next card payment. x-cds-type: AmountString paymentCurrency: type: string description: If absent assumes `AUD`. default: AUD x-cds-type: CurrencyString paymentDueDate: type: string description: Date that the next payment for the card is due. x-cds-type: DateString CommonSimpleAddress: description: Mandatory if the _addressUType_ value is `simple`. required: - addressLine1 - city - state type: object properties: mailingName: type: string description: Name of the individual or business formatted for inclusion in an address used for physical mail. addressLine1: type: string description: First line of the standard address object. addressLine2: type: string description: Second line of the standard address object. addressLine3: type: string description: Third line of the standard address object. postcode: type: string description: Mandatory for Australian addresses. city: type: string description: Name of the city or locality. state: type: string description: Free text if the country is not Australia. If country is Australia then must be one of the values defined by the [State Type Abbreviation](https://auspost.com.au/content/dam/auspost_corp/media/documents/australia-post-data-guide.pdf) in the PAF file format. `NSW`, `QLD`, `VIC`, `NT`, `WA`, `SA`, `TAS`, `ACT`, `AAT`. country: type: string description: A valid [ISO 3166 Alpha-3](https://www.iso.org/iso-3166-country-codes.html) country code. Australia (`AUS`) is assumed if country is not present. default: AUS x-cds-type: ExternalRef x-conditional: - postcode BankingProductLendingRateV3: required: - lendingRateType - rate - applicationType - repaymentType - loanPurpose type: object properties: lendingRateType: type: string description: The type of rate (`FIXED`, `VARIABLE`, etc.) For further details, refer to [Product Lending Rate Types](#tocSproductlendingratetypedoc). enum: - BALANCE_TRANSFER - BUNDLE_DISCOUNT_FIXED - BUNDLE_DISCOUNT_VARIABLE - CASH_ADVANCE - DISCOUNT - FIXED - FLOATING - INTRODUCTORY - MARKET_LINKED - PENALTY - PURCHASE - VARIABLE example: FIXED rate: type: string description: The rate to be applied. x-cds-type: RateString comparisonRate: type: string description: A comparison rate equivalent for this rate. x-cds-type: RateString calculationFrequency: type: string description: The period after which the rate is applied to the balance to calculate the amount due for the period. Calculation of the amount is often daily (as balances may change) but accumulated until the total amount is 'applied' to the account (see _applicationFrequency_). Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax). x-cds-type: ExternalRef applicationType: type: string description: The type of approach used to apply the rate to the account. enum: - MATURITY - PERIODIC - UPFRONT example: PERIODIC applicationFrequency: type: string description: The period after which the calculated amount(s) (see _calculationFrequency_) are 'applied' (i.e. debited or credited) to the account. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax). Mandatory if the _applicationType_ value is `PERIODIC`. x-cds-type: ExternalRef interestPaymentDue: type: string description: When loan payments are due to be paid within each period. The investment benefit of earlier payments affect the rate that can be offered. enum: - IN_ADVANCE - IN_ARREARS repaymentType: type: string description: Option in place for repayments. enum: - INTEREST_ONLY - OTHER - PRINCIPAL_AND_INTEREST - UNCONSTRAINED loanPurpose: type: string description: The reason for taking out the loan. enum: - INVESTMENT - OTHER - OWNER_OCCUPIED - UNCONSTRAINED tiers: type: array description: Qualifying criteria or conditions relevant to the associated rate. items: $ref: '#/components/schemas/BankingProductRateTierV4' applicabilityConditions: type: array description: Applicability conditions for the rate. items: $ref: '#/components/schemas/BankingProductRateConditionV2' additionalValue: type: string description: Generic field containing additional information relevant to the [_lendingRateType_](#tocSproductlendingratetypedoc) specified. Whether mandatory or not is dependent on the value of [_lendingRateType_](#tocSproductlendingratetypedoc). additionalInfo: type: string description: Display text providing more information on the rate. additionalInfoUri: type: string description: Link to a web page with more information on this rate. x-cds-type: URIString x-conditional: - additionalValue - applicationFrequency BankingProductDiscountEligibility: required: - discountEligibilityType type: object properties: discountEligibilityType: type: string description: The type of the specific eligibility constraint for a discount. For further details, refer to [Product Discount Eligibility Types](#tocSproductdiscounteligibilitydoc). enum: - BUSINESS - EMPLOYMENT_STATUS - INTRODUCTORY - MAX_AGE - MIN_AGE - MIN_INCOME - MIN_TURNOVER - NATURAL_PERSON - OTHER - PENSION_RECIPIENT - RESIDENCY_STATUS - STAFF - STUDENT additionalValue: type: string description: Generic field containing additional information relevant to the [_discountEligibilityType_](#tocSproductdiscounteligibilitydoc) specified. Whether mandatory or not is dependent on the value of [_discountEligibilityType_](#tocSproductdiscounteligibilitydoc). additionalInfo: type: string description: Display text providing more information on this eligibility constraint. Mandatory if the [_discountEligibilityType_](#tocSproductdiscounteligibilitydoc) value is `OTHER`. additionalInfoUri: type: string description: Link to a web page with more information on this eligibility constraint. x-cds-type: URIString x-conditional: - additionalInfo - additionalValue BankingProductDepositRateV2: required: - depositRateType - rate - applicationType type: object properties: depositRateType: type: string description: The type of rate (`FIXED`, `VARIABLE`, `BONUS`, etc.) For further details, refer to [Product Deposit Rate Types](#tocSproductdepositratetypedoc). enum: - BONUS - BUNDLE_BONUS - FIXED - FLOATING - INTRODUCTORY - MARKET_LINKED - VARIABLE example: VARIABLE rate: type: string description: The rate to be applied. x-cds-type: RateString calculationFrequency: type: string description: The period after which the rate is applied to the balance to calculate the amount due for the period. Calculation of the amount is often daily (as balances may change) but accumulated until the total amount is 'applied' to the account (see _applicationFrequency_). Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax). x-cds-type: ExternalRef applicationType: type: string description: The type of approach used to apply the rate to the account. enum: - MATURITY - PERIODIC - UPFRONT example: PERIODIC applicationFrequency: type: string description: The period after which the calculated amount(s) (see _calculationFrequency_) are 'applied' (i.e. debited or credited) to the account. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax). Mandatory if the _applicationType_ value is `PERIODIC`. x-cds-type: ExternalRef tiers: type: array description: Qualifying criteria or conditions relevant to the associated rate. items: $ref: '#/components/schemas/BankingProductRateTierV4' applicabilityConditions: type: array description: Applicability conditions for the rate. items: $ref: '#/components/schemas/BankingProductRateConditionV2' additionalValue: type: string description: Generic field containing additional information relevant to the [_depositRateType_](#tocSproductdepositratetypedoc) specified. Whether mandatory or not is dependent on the value of [_depositRateType_](#tocSproductdepositratetypedoc). additionalInfo: type: string description: Display text providing more information on the rate. additionalInfoUri: type: string description: Link to a web page with more information on this rate. x-cds-type: URIString x-conditional: - additionalValue - applicationFrequency BankingFeeDiscountRate: type: object required: - rateType - rate properties: rateType: type: string description: Type of fee rate discount calculation. enum: - BALANCE - FEE - INTEREST_ACCRUED - TRANSACTION rate: type: string x-cds-type: RateString description: The fee rate discount calculated according to the _rateType_. amountRange: $ref: '#/components/schemas/BankingFeeDiscountRange' BankingFeeRange: type: object description: A minimum or maximum fee amount where a specific fixed amount is not known until the fee is incurred. properties: feeMinimum: type: string description: The minimum fee that will be charged per occurrence. x-cds-type: AmountString feeMaximum: type: string description: The maximum fee that will be charged per occurrence. x-cds-type: AmountString Links: required: - self type: object properties: self: type: string description: Fully qualified link that generated the current response document. x-cds-type: URIString ResponseErrorListV2: type: object required: - errors properties: errors: description: List of errors. type: array items: $ref: '#/components/schemas/ErrorV2' MetaPaginated: required: - totalPages - totalRecords type: object properties: totalRecords: type: integer description: The total number of records in the full set. See [pagination](#pagination). x-cds-type: NaturalNumber totalPages: type: integer description: The total number of pages in the full set. See [pagination](#pagination). x-cds-type: NaturalNumber BankingAccountV3: required: - accountId - displayName - accountOwnership - maskedNumber - productCategory - productName type: object properties: accountId: description: Unique identifier for the account. allOf: - $ref: '#/components/schemas/BankingAccountId' creationDate: type: string description: Date that the account was created (if known). x-cds-type: DateString displayName: type: string description: The display name of the account as defined by the bank. This should not incorporate account numbers or PANs. If it does the values should be masked according to the rules of the [MaskedAccountString](#common-field-types) common type. nickname: type: string description: A customer supplied nickname for the account. openStatus: type: string description: Open or closed status for the account. If not present then `OPEN` is assumed. default: OPEN enum: - CLOSED - OPEN isOwned: type: boolean description: Flag indicating that the customer associated with the authorisation is an owner of the account. Does not indicate sole ownership, however. If not present then `true` is assumed. default: true accountOwnership: type: string description: Value indicating the number of customers that have ownership of the account, according to the data holder's definition of account ownership. Does not indicate that all account owners are eligible consumers. enum: - UNKNOWN - ONE_PARTY - TWO_PARTY - MANY_PARTY - OTHER maskedNumber: type: string description: A masked version of the account. Whether BSB/Account Number, Credit Card PAN or another number. x-cds-type: MaskedAccountString productCategory: $ref: '#/components/schemas/BankingProductCategoryV2' productName: type: string description: The unique identifier of the account as defined by the data holder (akin to model number for the account). isInstalmentDetailAvailable: type: boolean default: false description: '`true` if any active or inactive instalment plans are available in the Get Instalment Plans endpoints. `false` if instalment plans are not applicable to the account.' BankingFeeDiscountRange: type: object description: A minimum or maximum fee discount amount where a specific fixed amount is not known until the fee is incurred. properties: discountMinimum: type: string description: The minimum fee discount that will be applied per occurrence. x-cds-type: AmountString discountMaximum: type: string description: The maximum fee discount that will be applied per occurrence. x-cds-type: AmountString BankingLoanAccountV3: required: - repaymentType type: object properties: originalStartDate: type: string description: Optional original start date for the loan. x-cds-type: DateString originalLoanAmount: type: string description: Optional original loan value. x-cds-type: AmountString originalLoanCurrency: type: string description: If absent assumes `AUD`. default: AUD x-cds-type: CurrencyString loanEndDate: type: string description: Date that the loan is due to be repaid in full. x-cds-type: DateString nextInstalmentDate: type: string description: Next date that an instalment is required. x-cds-type: DateString minInstalmentAmount: type: string description: Minimum amount of next instalment. x-cds-type: AmountString minInstalmentCurrency: type: string description: If absent assumes `AUD`. default: AUD x-cds-type: CurrencyString maxRedraw: type: string description: Maximum amount of funds that can be redrawn. If not present redraw is not available even if the feature exists for the account. x-cds-type: AmountString maxRedrawCurrency: type: string description: If absent assumes `AUD`. default: AUD x-cds-type: CurrencyString minRedraw: type: string description: Minimum redraw amount. x-cds-type: AmountString minRedrawCurrency: type: string description: If absent assumes `AUD`. default: AUD x-cds-type: CurrencyString offsetAccountEnabled: type: boolean description: Set to `true` if one or more offset accounts are configured for this loan account. offsetAccountIds: type: array description: The _accountId_ values of the configured offset accounts attached to this loan. Only offset accounts that can be accessed under the current authorisation should be included. It is expected behaviour that _offsetAccountEnabled_ is set to `true` but the _offsetAccountIds_ field is absent or empty. This represents a situation where an offset account exists but details can not be accessed under the current authorisation. items: $ref: '#/components/schemas/BankingAccountId' repaymentType: type: string description: Option in place for repayments. enum: - INTEREST_ONLY - OTHER - PRINCIPAL_AND_INTEREST - UNCONSTRAINED repaymentFrequency: type: string description: The expected or required repayment frequency. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax). x-cds-type: ExternalRef BankingTermDepositAccount: required: - lodgementDate - maturityDate - maturityInstructions type: object properties: lodgementDate: type: string description: The lodgement date of the original deposit. x-cds-type: DateString maturityDate: type: string description: Maturity date for the term deposit. x-cds-type: DateString maturityAmount: type: string description: Amount to be paid upon maturity. If absent it implies the amount to paid is variable and cannot currently be calculated. x-cds-type: AmountString maturityCurrency: type: string description: If absent assumes `AUD`. default: AUD x-cds-type: CurrencyString maturityInstructions: type: string description: Current instructions on action to be taken at maturity. This includes default actions that may be specified in the terms and conditions for the product e.g., roll-over to the same term and frequency of interest payments. enum: - HOLD_ON_MATURITY - PAID_OUT_AT_MATURITY - ROLLED_OVER BankingProductCategoryV2: type: string description: The category to which a product or account belongs. See [here](#product-categories) for more details. enum: - BUSINESS_LOANS - BUY_NOW_PAY_LATER - CRED_AND_CHRG_CARDS - LEASES - MARGIN_LOANS - OVERDRAFTS - PERS_LOANS - REGULATED_TRUST_ACCOUNTS - RESIDENTIAL_MORTGAGES - TERM_DEPOSITS - TRADE_FINANCE - TRANS_AND_SAVINGS_ACCOUNTS - TRAVEL_CARDS BankingAccountDetailV5: allOf: - $ref: '#/components/schemas/BankingAccountV3' - type: object properties: bsb: type: string description: The unmasked BSB for the account. Is expected to be formatted as digits only with leading zeros included and no punctuation or spaces. accountNumber: type: string description: The unmasked account number for the account. Should not be supplied if the account number is a PAN requiring PCI compliance. Is expected to be formatted as digits only with leading zeros included and no punctuation or spaces. bundleName: type: string description: Optional field to indicate if this account is part of a bundle that is providing additional benefit to the customer. instalments: $ref: '#/components/schemas/BankingProductInstalments' specificAccountUType: type: string description: The type of structure to present account specific fields. enum: - creditCard - loan - termDeposit termDeposit: type: array description: Mandatory if the _specificAccountUType_ value is `termDeposit`. items: $ref: '#/components/schemas/BankingTermDepositAccount' creditCard: description: Mandatory if the _specificAccountUType_ value is `creditCard`. allOf: - $ref: '#/components/schemas/BankingCreditCardAccount' loan: description: Mandatory if the _specificAccountUType_ value is `loan`. allOf: - $ref: '#/components/schemas/BankingLoanAccountV3' depositRate: type: string description: Current rate to calculate interest earned being applied to deposit balances as it stands at the time of the API call. x-cds-type: RateString lendingRate: type: string description: The current rate to calculate interest payable being applied to lending balances as it stands at the time of the API call. x-cds-type: RateString depositRates: type: array description: Fully described deposit rates for this account based on the equivalent structure in Product Reference. items: $ref: '#/components/schemas/BankingProductDepositRateV2' lendingRates: type: array description: Fully described lending rates for this account based on the equivalent structure in Product Reference. items: $ref: '#/components/schemas/BankingProductLendingRateV3' features: type: array description: Array of features of the account based on the equivalent structure in Product Reference with the following additional field. items: type: object allOf: - $ref: '#/components/schemas/BankingProductFeatureV4' - type: object properties: isActivated: type: string description: **Note:** This is an additional field appended to the feature structure defined in the Product Reference payload. enum: - ACTIVATED - NOT_ACTIVATED - UNKNOWN default: UNKNOWN fees: type: array description: Fees and charges applicable to the account based on the equivalent structure in Product Reference. items: $ref: '#/components/schemas/BankingProductFeeV2' addresses: type: array description: The addresses for the account to be used for correspondence. items: $ref: '#/components/schemas/CommonPhysicalAddress' x-conditional: - termDeposit - creditCard - loan BankingProductFeeV2: required: - name - feeType - feeMethodUType type: object properties: name: type: string description: Name of the fee. feeType: type: string description: The type of fee. For further details, refer to [Product Fee Types](#tocSproductfeetypedoc). enum: - CASH_ADVANCE - DEPOSIT - DISHONOUR - ENQUIRY - EVENT - EXIT - LATE_PAYMENT - OTHER - PAYMENT - PERIODIC - PURCHASE - REPLACEMENT - TRANSACTION - UPFRONT - UPFRONT_PER_PLAN - VARIATION - WITHDRAWAL example: CASH_ADVANCE feeMethodUType: type: string description: Reference to the applicable fee charging method structure. enum: - fixedAmount - rateBased - variable fixedAmount: description: Mandatory if the _feeMethodUType_ value is `fixedAmount`. Where the fee is a specific amount. allOf: - $ref: '#/components/schemas/BankingFeeAmount' rateBased: description: Mandatory if the _feeMethodUType_ value is `rateBased`. Where the fee is based on a type of rate. allOf: - $ref: '#/components/schemas/BankingFeeRate' variable: description: Mandatory if the _feeMethodUType_ value is `variable`. Where the amount or rate may not be known until the fee is incurred. allOf: - $ref: '#/components/schemas/BankingFeeRange' feeCap: type: string description: The cap amount if multiple occurrences of the fee are capped to a limit. x-cds-type: AmountString feeCapPeriod: type: string description: Specifies a duration over which multiple occurrences of the fee will be capped. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax). x-cds-type: ExternalRef currency: type: string description: The currency the fee will be charged in. Assumes `AUD` if absent. default: AUD x-cds-type: CurrencyString additionalValue: type: string description: Generic field containing additional information relevant to the [_feeType_](#tocSproductfeetypedoc) specified. Whether mandatory or not is dependent on the value of [_feeType_](#tocSproductfeetypedoc). additionalInfo: type: string description: Display text providing more information on the fee. Mandatory if the [_feeType_](#tocSproductfeetypedoc) value is `OTHER`. additionalInfoUri: type: string description: Link to a web page with more information on this fee. x-cds-type: URIString discounts: type: array description: An optional list of discounts to this fee that may be available. items: $ref: '#/components/schemas/BankingProductDiscountV2' x-conditional: - fixedAmount - rateBased - variable - additionalValue - additionalInfo BankingProductRateTierV4: required: - minimumValue - name - unitOfMeasure type: object properties: name: type: string description: A display name for the tier. unitOfMeasure: type: string description: The unit of measure that applies to the _minimumValue_ and _maximumValue_ values, e.g., enum: - DAY - DOLLAR - MONTH - PERCENT minimumValue: type: string description: The number of _unitOfMeasure_ units that form the lower bound of the tier. The tier should be inclusive of this value. maximumValue: type: string description: 'The number of _unitOfMeasure_ units that form the upper bound of the tier or band. For a tier with a discrete value (as opposed to a range of values e.g., 1 month) this must be the same as _minimumValue_. Where this is the same as the _minimumValue_ value of the next-higher tier the referenced tier should be exclusive of this value. For example a term deposit of 2 months falls into the upper tier of the following tiers: (1 – 2 months, 2 – 3 months). If absent the tier''s range has no upper bound.' rateApplicationMethod: type: string description: The method used to calculate the amount to be applied using one or more tiers. A single rate may be applied to the entire balance or each applicable tier rate is applied to the portion of the balance that falls into that tier (referred to as 'bands' or 'steps'). enum: - PER_TIER - WHOLE_BALANCE applicabilityConditions: type: array description: Applicability conditions for the rate tier. items: $ref: '#/components/schemas/BankingProductRateConditionV2' additionalInfo: type: string description: Display text providing more information on the rate tier. additionalInfoUri: type: string description: Link to a web page with more information on this rate tier. x-cds-type: URIString description: Defines the criteria and conditions for which a rate applies. BankingFeeRate: type: object required: - rateType - rate properties: rateType: type: string description: Type of fee rate calculation. enum: - BALANCE - INTEREST_ACCRUED - TRANSACTION rate: type: string x-cds-type: RateString description: The fee rate calculated according to the _rateType_. accrualFrequency: type: string description: The indicative frequency with which the fee is calculated on the account if applicable. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax). x-cds-type: ExternalRef amountRange: $ref: '#/components/schemas/BankingFeeRange' x-conditional: - balanceRate - transactionRate - accruedRate BankingProductRateConditionV2: type: object description: Defines a condition for the applicability of a rate. properties: rateApplicabilityType: type: string description: Category of applicability condition associated with the rate. For more information refer to [Rate and Tier Applicability Types](#tocSbankingproductrateconditiondoc). enum: - MIN_DEPOSITS - MIN_DEPOSIT_AMOUNT - DEPOSIT_BALANCE_INCREASED - EXISTING_CUST - NEW_ACCOUNTS - NEW_CUSTOMER - NEW_CUSTOMER_TO_GROUP - ONLINE_ONLY - OTHER - MIN_PURCHASES - MAX_WITHDRAWALS - MAX_WITHDRAWAL_AMOUNT example: NEW_CUSTOMER additionalValue: type: string description: Generic field containing additional information relevant to the _rateApplicabilityType_ specified. Whether mandatory or not is dependent on the value of [_rateApplicabilityType_](#tocSbankingproductrateconditiondoc). additionalInfo: type: string description: Display text providing more information on the condition. Mandatory if the [_rateApplicabilityType_](#tocSbankingproductrateconditiondoc) value is `OTHER`. additionalInfoUri: type: string description: Link to a web page with more information on this condition. x-cds-type: URIString required: - rateApplicabilityType x-conditional: - additionalValue - additionalInfo CommonPAFAddress: required: - localityName - postcode - state type: object properties: dpid: type: string description: Unique identifier for an address as defined by Australia Post. Also known as Delivery Point Identifier. thoroughfareNumber1: type: integer description: Thoroughfare number for a property (first number in a property ranged address). x-cds-type: PositiveInteger thoroughfareNumber1Suffix: type: string description: Suffix for the thoroughfare number. Only relevant if _thoroughfareNumber1_ is populated. thoroughfareNumber2: type: integer description: Second thoroughfare number (only used if the property has a ranged address, e.g., 23-25). x-cds-type: PositiveInteger thoroughfareNumber2Suffix: type: string description: Suffix for the second thoroughfare number. Only relevant if _thoroughfareNumber2_ is populated. flatUnitType: type: string description: Type of flat or unit for the address. flatUnitNumber: type: string description: Unit number (including suffix, if applicable). floorLevelType: type: string description: Type of floor or level for the address. floorLevelNumber: type: string description: Floor or level number (including alpha characters). lotNumber: type: string description: Allotment number for the address. buildingName1: type: string description: Building/Property name 1. buildingName2: type: string description: Building/Property name 2. streetName: type: string description: The name of the street. streetType: type: string description: The street type. Valid enumeration defined by Australia Post PAF code file. streetSuffix: type: string description: The street type suffix. Valid enumeration defined by Australia Post PAF code file. postalDeliveryType: type: string description: Postal delivery type. (e.g., PO BOX). Valid enumeration defined by Australia Post PAF code file. postalDeliveryNumber: type: integer description: Postal delivery number if the address is a postal delivery type. x-cds-type: PositiveInteger postalDeliveryNumberPrefix: type: string description: Postal delivery number prefix related to the postal delivery number. postalDeliveryNumberSuffix: type: string description: Postal delivery number suffix related to the postal delivery number. localityName: type: string description: Full name of locality. postcode: type: string description: Postcode for the locality. state: type: string description: State in which the address belongs. Valid enumeration defined by Australia Post PAF code file [State Type Abbreviation](https://auspost.com.au/content/dam/auspost_corp/media/documents/australia-post-data-guide.pdf). `NSW`, `QLD`, `VIC`, `NT`, `WA`, `SA`, `TAS`, `ACT`, `AAT`. description: Australian address formatted according to the file format defined by the [PAF file format](https://auspost.com.au/content/dam/auspost_corp/media/documents/australia-post-data-guide.pdf). Mandatory if the _addressUType_ value is `paf`. ResponseBankingAccountByIdV5: required: - data - links type: object properties: data: $ref: '#/components/schemas/BankingAccountDetailV5' links: $ref: '#/components/schemas/Links' meta: $ref: '#/components/schemas/Meta' BankingProductFeatureV4: required: - featureType type: object properties: featureType: type: string description: The type of feature described. For further details, refer to [Product Feature Types](#tocSproductfeaturetypedoc). enum: - ADDITIONAL_CARDS - BALANCE_TRANSFERS - BILL_PAYMENT - BONUS_REWARDS - CARD_ACCESS - CASHBACK_OFFER - COMPLEMENTARY_PRODUCT_DISCOUNTS - EXTRA_DOWN_PAYMENT - DIGITAL_BANKING - DIGITAL_WALLET - DONATE_INTEREST - EXTRA_REPAYMENTS - FRAUD_PROTECTION - FREE_TXNS - FREE_TXNS_ALLOWANCE - FUNDS_AVAILABLE_AFTER - GUARANTOR - INSTALMENT_PLAN - INSURANCE - INTEREST_FREE - INTEREST_FREE_TRANSFERS - LOYALTY_PROGRAM - NOTIFICATIONS - NPP_ENABLED - NPP_PAYID - OFFSET - OTHER - OVERDRAFT - REDRAW - RELATIONSHIP_MANAGEMENT - UNLIMITED_TXNS additionalValue: type: string description: Generic field containing additional information relevant to the [_featureType_](#tocSproductfeaturetypedoc) specified. Whether mandatory or not is dependent on the value of the [_featureType_](#tocSproductfeaturetypedoc). additionalInfo: type: string description: Display text providing more information on the feature. Mandatory if the [_featureType_](#tocSproductfeaturetypedoc) value is `OTHER`. additionalInfoUri: type: string description: Link to a web page with more information on this feature. x-cds-type: URIString x-conditional: - additionalValue - additionalInfo BankingProductInstalments: description: Details of instalment features on the account. required: - minimumSplit - maximumSplit type: object properties: maximumConcurrentPlans: type: integer description: Maximum number of concurrent active instalment plans that may be created on the account. If `null`, there is no predetermined maximum number. x-cds-type: NaturalNumber instalmentsLimit: type: string description: Maximum combined limit of all instalment plans that may be created on the account. If `null` or not present, an opened account balance _creditLimit_ may be assumed to provide a maximum limit for instalments. x-cds-type: AmountString minimumPlanValue: type: string description: Minimum value that can be opened as an instalment plan. x-cds-type: AmountString maximumPlanValue: type: string description: Maximum value that can be opened as an instalment plan. If `null` or not present, _instalmentsLimit_ is assumed to be the maximum individual plan value. x-cds-type: AmountString minimumSplit: type: integer description: Minimum number of instalment payments a plan can be created with. x-cds-type: PositiveInteger example: 4 maximumSplit: type: integer description: Maximum number of instalment payments a plan can be created with. x-cds-type: PositiveInteger example: 4 parameters: HeaderXV: name: x-v in: header description: Version of the API endpoint requested by the client. Must be set to a positive integer. The endpoint should respond with the highest supported version between [_x-min-v_](#request-headers) and [_x-v_](#request-headers). If the value of [_x-min-v_](#request-headers) is equal to or higher than the value of [_x-v_](#request-headers) then the [_x-min-v_](#request-headers) header should be treated as absent. If all versions requested are not supported then the endpoint **MUST** respond with a `406 Not Acceptable`. See [HTTP Headers](#request-headers). required: true schema: type: string HeaderXFAPIInteractionId: name: x-fapi-interaction-id in: header description: An **[[RFC4122]](#nref-RFC4122)** UUID used as a correlation id. If provided, the data holder **MUST** play back this value in the _x-fapi-interaction-id_ response header. If not provided a **[[RFC4122]](#nref-RFC4122)** UUID value is required to be provided in the response header to track the interaction. schema: type: string QueryPageSize: name: page-size in: query description: Page size to request. Default is 25 (standard pagination). schema: type: integer default: 25 x-cds-type: PositiveInteger QueryBankingAccountIsOwned: name: is-owned in: query description: Filters accounts based on whether they are owned by the authorised customer. `true` for owned accounts, `false` for unowned accounts and absent for all accounts. schema: type: boolean HeaderXFAPIAuthDate: name: x-fapi-auth-date in: header description: The time when the customer last logged in to the Data Recipient Software Product as described in **[[FAPI-1.0-Baseline]](#nref-FAPI-1-0-Baseline)**. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls. schema: type: string x-conditional: true QueryBankingProductCategory: name: product-category in: query description: Used to filter results on the _productCategory_ field applicable to accounts. Any one of the valid values for this field can be supplied. If absent then all accounts returned. schema: $ref: '#/components/schemas/BankingProductCategoryV2' QueryPage: name: page in: query description: Page of results to request (standard pagination). schema: type: integer default: 1 x-cds-type: PositiveInteger PathAccountId: name: accountId in: path description: The _accountId_ to obtain data for. _accountId_ values are returned by account list endpoints. required: true schema: $ref: '#/components/schemas/BankingAccountId' QueryBankingAccountOpenStatus: name: open-status in: query description: Used to filter results according to open/closed status. Values can be `OPEN`, `CLOSED` or `ALL`. If absent then `ALL` is assumed. schema: type: string default: ALL enum: - ALL - CLOSED - OPEN HeaderXCDSClientHeaders: name: x-cds-client-headers in: header description: The customer's original standard http headers [Base64](#common-field-types) encoded, including the original User-Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls. schema: type: string x-conditional: true x-cds-type: Base64 HeaderXFAPICustomerIPAddress: name: x-fapi-customer-ip-address in: header description: The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls. schema: type: string HeaderXMinV: name: x-min-v in: header description: Minimum version of the API endpoint requested by the client. Must be set to a positive integer if provided. The endpoint should respond with the highest supported version between [_x-min-v_](#request-headers) and [_x-v_](#request-headers). If all versions requested are not supported then the endpoint **MUST** respond with a `406 Not Acceptable`. schema: type: string headers: XV: description: The [payload version](#response-headers) that the endpoint has responded with. required: true schema: type: string XFAPIInteractionId: description: An **[[RFC4122]](#nref-RFC4122)** UUID used as a correlation id. If provided, the data holder **MUST** play back this value in the _x-fapi-interaction-id_ response header. If not provided a **[[RFC4122]](#nref-RFC4122)** UUID value is required to be provided in the response header to track the interaction. required: true schema: type: string