generated: '2026-07-20'
method: derived
source: openapi/pn-bank-cds-banking-products-openapi.yml
docs: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data-apis
root_entity: BankingProduct
id_field: productId
entities:
- name: BankingProduct
  schema: BankingProductV6
  summary: A banking product in P&N Bank's public catalogue (list view).
  key_fields: [productId, effectiveFrom, effectiveTo, lastUpdated, productCategory,
    name, description, brand, brandName, isTailored, additionalInformation, cardArt]
- name: BankingProductDetail
  schema: BankingProductDetailV7
  summary: Full product detail (BankingProductV6 plus the nested arrays below).
  relationships:
  - has_many: BankingProductBundle
    via: bundles
  - has_many: BankingProductFeatureV4
    via: features
  - has_many: BankingProductConstraintV3
    via: constraints
  - has_many: BankingProductEligibilityV2
    via: eligibility
  - has_many: BankingProductFeeV2
    via: fees
  - has_many: BankingProductDepositRateV2
    via: depositRates
  - has_many: BankingProductLendingRateV3
    via: lendingRates
- name: BankingProductFee
  schema: BankingProductFeeV2
  relationships:
  - has_many: BankingProductDiscountV2
    via: discounts
- name: BankingProductDiscount
  schema: BankingProductDiscountV2
  relationships:
  - has_many: BankingProductDiscountEligibility
    via: eligibility
- name: BankingProductDepositRate
  schema: BankingProductDepositRateV2
  relationships:
  - has_many: BankingProductRateTierV4
    via: tiers
- name: BankingProductLendingRate
  schema: BankingProductLendingRateV3
  relationships:
  - has_many: BankingProductRateTierV4
    via: tiers
- name: BankingProductRateTier
  schema: BankingProductRateTierV4
  relationships:
  - has_one: BankingProductRateConditionV2
    via: applicabilityConditions
- name: BankingProductBundle
  schema: BankingProductBundle
  summary: Bundle grouping; references other products by productId list.
  relationships:
  - references: BankingProduct
    via: productIds
notes: >-
  Product Reference Data is a single-aggregate model rooted at BankingProduct; the
  detail view composes fees, rates (with tiers/conditions), features, constraints,
  eligibility, and bundles. Bundles cross-reference sibling products by productId.