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:
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
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
BuildingNumber:
description: Number that identifies the position of a building on a street.
type: string
example: '11'
minLength: 1
maxLength: 16
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'
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
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
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
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
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
StreetName:
description: Name of a street or thoroughfare.
type: string
example: Bank Street
minLength: 1
maxLength: 140
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
Floor:
description: Number that identifies the level within a building
type: string
example: '11'
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
Meta:
title: MetaData
type: object
description: Meta Data relevant to the payload
properties:
TotalPages:
type: integer
format: int32
FirstAvailableDateTime:
$ref: '#/components/schemas/ISODateTime'
LastAvailableDateTime:
$ref: '#/components/schemas/ISODateTime'
additionalProperties: false
Nickname:
description: The nickname of the account, assigned by the account owner in order to provide an additional means of identification of the account.
type: string
minLength: 1
maxLength: 70
Room:
description: Information that locates and identifies a room to form part of an address
type: string
example: Basement 03
minLength: 1
maxLength: 70
OBInternalFinancialInstitutionIdentification4Code:
description: Name of the identification scheme, in a coded form as published in an external list.
For a full list of enumeration values refer to `OBInternalFinancialInstitutionIdentification4Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets)
type: string
example: UK.OBIE.BICFI
x-namespaced-enum:
- UK.OBIE.BICFI
ActiveOrHistoricCurrencyCode_0:
description: "Identification of the currency in which the account is held. \nUsage: Currency should only be used in case one and the same account number covers several currencies\nand the initiating party needs to identify which currency needs to be used for settlement on the account."
type: string
pattern: ^[A-Z]{3,3}$
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'
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
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
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
Description_0:
description: Specifies the description of the account type.
type: string
minLength: 1
maxLength: 35
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
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
Identification_1:
description: Unique and unambiguous identification of the servicing institution.
type: string
example: '80200112344562'
minLength: 1
maxLength: 35
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:
$ref: '#/components/schemas/OBBranchAndFinancialInstitutionIdentification5_0'
additionalProperties: false
DistrictName:
description: Number that of the regional area, known as a district, which forms part of an address
type: string
example: Greater London
minLength: 1
maxLength: 140
LEI:
description: Legal entity identification as an alternate identification for a party. Legal Entity Identifier is a code allocated to a party as described in ISO 17442 "Financial Services - Legal Entity Identifier (LEI)".
type: string
example: IZ9Q00LZEVUKWCQY6X15
minLength: 1
maxLength: 20
pattern: ^[A-Z0-9]{18,18}[0-9]{2,2}$
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
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
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
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
TownName:
description: Name of a built-up area, with defined boundaries, and a local government.
type: string
example: London
minLength: 1
maxLength: 140
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
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
UnitNumber:
description: Number that identifies the unit of a specific address .
type: string
example: A88
minLength: 1
maxLength: 16
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
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
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
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
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
BuildingName:
description: Name of a referenced building.
type: string
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
parameters:
Authorization:
in: header
name: Authorization
required: true
description: An Authorisation Token as per https://tools.ietf.org/html/rfc6750
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-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
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
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
AccountId:
name: AccountId
in: path
description: AccountId
required: true
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)$
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
responses:
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'
406Error:
description: Not Acceptable
headers:
x-fapi-interaction-id:
description: An RFC4122 UID used as a correlation id.
required: true
schema:
type: string
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'
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'
405Error:
description: Method Not Allowed
headers:
x-fapi-interaction-id:
description: An RFC4122 UID used as a correlation id.
required: true
schema:
type: string
401Error:
description: Unauthorized
headers:
x-fapi-interaction-id:
description: An RFC4122 UID used as a correlation id.
required: true
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'
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'
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
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