Australia and New Zealand Banking Group (ANZ) Banking Products API

openapi: 3.0.3
info:
  contact:
    email: contact@dsb.gov.au
    name: Data Standards Body
    url: https://dsb.gov.au/
  description: Specifications for resource endpoints applicable to data holders in the Banking sector.
  license:
    name: MIT License
    url: https://opensource.org/licenses/MIT
  title: CDR Banking Banking Account Balances Banking Products API
  version: 1.36.0
servers:
- description: MTLS
  url: https://mtls.dh.example.com/cds-au/v1
tags:
- description: Banking Product endpoints
  name: Banking Products
  x-shortName: Products
paths:
  /banking/products:
    get:
      description: 'Obtain a list of products that are currently openly offered to the market.


        Note that the results returned by this endpoint are expected to be ordered in descending order according to _lastUpdated_.


        ### Conventions

        In the product reference payloads there are a number of recurring conventions that are explained below.


        #### Arrays Of Features


        In the product detail payload there are a number of arrays articulating generic features, constraints, prices, etc. The intent of these arrays is as follows:


        - Each element in an array has the same structure so that clients can reliably interpret the payloads

        - Each element as a type element that is an enumeration of the specific aspect of a product being described, such as types of fees.

        - Each element has a field named [_additionalValue_](#productfeaturetypedoc). This is a generic field with contents that will vary based on the type of object being described. The contents of this field for the `ADDITIONAL_CARDS` feature is the number of cards allowed while the contents of this field for the `MAX_LIMIT` constraint would be the maximum credit limit allowed for the product.

        - An element in these arrays of the same type may appear more than once. For instance, a product may offer two separate loyalty programs that the customer can select from. A fixed term mortgage may have different rates for different term lengths.

        - An element in these arrays may contain an _additionalInfo_ and _additionalInfoUri_ field. The _additionalInfo_ field is used to provide displayable text clarifying the purpose of the element in some way when the product is presented to a customer. The _additionalInfoUri_ provides a link to externally hosted information specifically relevant to that feature of the product.

        - Depending on the type of data being represented there may be additional specific fields.


        #### URIs To More Information


        As the complexities and nuances of a financial product can not easily be fully expressed in a data structure without a high degree of complexity it is necessary to provide additional reference information that a potential customer can access so that they are fully informed of the features and implications of the product. The payloads for product reference therefore contain numerous fields that are provided to allow the product holder to describe the product more fully using a web page hosted on their online channels.


        These URIs do not need to all link to different pages. If desired, they can all link to a single hosted page and use different HTML anchors to focus on a specific topic such as eligibility or fees.


        #### Linkage To Accounts

        From the moment that a customer applies for a product and an account is created the account and the product that spawned it will diverge. Rates and features of the product may change and a discount may be negotiated for the account.


        For this reason, while _productCategory_ is a common field between accounts and products, there is no specific ID that can be used to link an account to a product within the regime.


        Similarly, many of the fields and objects in the product payload will appear in the account detail payload but the structures and semantics are not identical as one refers to a product that can potentially be originated and one refers to an account that actually has been instantiated and created along with the associated decisions inherent in that process.


        #### Dates

        It is expected that data consumers needing this data will call relatively frequently to ensure the data they have is representative of the current offering from a bank. To minimise the volume and frequency of these calls the ability to set a _lastUpdated_ field with the date and time of the last update to this product is included. A call for a list of products can then be filtered to only return products that have been updated since the last time that data was obtained using the _updated-since_ query parameter.


        In addition, the concept of effective date and time has also been included. This allows for a product to be marked for obsolescence, or introduction, from a certain time without the need for an update to show that a product has been changed. The inclusion of these dates also removes the need to represent deleted products in the payload. Products that are no longer offered can be marked not effective for a few weeks before they are then removed from the product set as an option entirely.


        Obsolete versions: [v1](includes/obsolete/get-products-v1.html), [v2](includes/obsolete/get-products-v2.html), [v3](includes/obsolete/get-products-v3.html), [v4](includes/obsolete/get-products-v4.html).'
      operationId: listBankingProducts
      parameters:
      - description: Allows for the filtering of products based on whether the current time is within the period of time defined as effective by the _effectiveFrom_ and _effectiveTo_ fields. Valid values are `CURRENT`, `FUTURE` and `ALL`. If absent defaults to `CURRENT`.
        explode: true
        in: query
        name: effective
        required: false
        schema:
          default: CURRENT
          enum:
          - ALL
          - CURRENT
          - FUTURE
          type: string
        style: form
      - description: Only include products that have been updated after the specified date and time. If absent defaults to include all products.
        explode: true
        in: query
        name: updated-since
        required: false
        schema:
          type: string
        style: form
        x-cds-type: DateTimeString
      - description: Filter results based on a specific brand.
        explode: true
        in: query
        name: brand
        required: false
        schema:
          type: string
        style: form
      - 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.
        explode: true
        in: query
        name: product-category
        required: false
        schema:
          $ref: '#/components/schemas/BankingProductCategoryV2'
        style: form
      - description: Page of results to request (standard pagination).
        explode: true
        in: query
        name: page
        required: false
        schema:
          default: 1
          type: integer
        style: form
        x-cds-type: PositiveInteger
      - description: Page size to request. Default is 25 (standard pagination).
        explode: true
        in: query
        name: page-size
        required: false
        schema:
          default: 25
          type: integer
        style: form
        x-cds-type: PositiveInteger
      - 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).
        explode: false
        in: header
        name: x-v
        required: true
        schema:
          type: string
        style: simple
      - 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`.
        explode: false
        in: header
        name: x-min-v
        required: false
        schema:
          type: string
        style: simple
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseBankingProductListV4'
          description: Successful response
          headers:
            x-v:
              $ref: '#/components/headers/XV'
        '400':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseErrorListV2'
          description: The following error codes **MUST** be supported:<br/><ul class="error-code-list"><li>[400 - Invalid Field](#error-400-field-invalid)</li><li>[400 - Missing Required Field](#error-400-field-missing)</li><li>[400 - Missing Required Header](#error-400-header-missing)</li><li>[400 - Invalid Version](#error-400-header-invalid-version)</li><li>[400 - Invalid Date](#error-400-field-invalid-date-time)</li><li>[400 - Invalid Page Size](#error-400-field-invalid-page-size)</li></ul>
        '406':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseErrorListV2'
          description: The following error codes **MUST** be supported:<br/><ul class="error-code-list"><li>[406 - Unsupported Version](#error-406-header-unsupported-version)</li></ul>
        '422':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseErrorListV2'
          description: The following error codes **MUST** be supported:<br/><ul class="error-code-list"><li>[422 - Invalid Page](#error-422-field-invalid-page)</li></ul>
      servers:
      - description: TLS
        url: https://tls.dh.example.com/cds-au/v1
      summary: Get Products
      tags:
      - Banking Products
      x-version: '5'
  /banking/products/{productId}:
    get:
      description: 'Obtain detailed information on a single product offered openly to the market.


        Obsolete versions: [v1](includes/obsolete/get-product-detail-v1.html), [v2](includes/obsolete/get-product-detail-v2.html), [v3](includes/obsolete/get-product-detail-v3.html), [v4](includes/obsolete/get-product-detail-v4.html), [v5](includes/obsolete/get-product-detail-v5.html), [v6](includes/obsolete/get-product-detail-v6.html).'
      operationId: getBankingProductDetail
      parameters:
      - description: The _productId_ to obtain data for. _productId_ values are returned by product list endpoints.
        explode: false
        in: path
        name: productId
        required: true
        schema:
          $ref: '#/components/schemas/BankingProductId'
        style: simple
        x-cds-type: ASCIIString
      - 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).
        explode: false
        in: header
        name: x-v
        required: true
        schema:
          type: string
        style: simple
      - 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`.
        explode: false
        in: header
        name: x-min-v
        required: false
        schema:
          type: string
        style: simple
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseBankingProductByIdV7'
          description: Successful response
          headers:
            x-v:
              $ref: '#/components/headers/XV'
        '400':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseErrorListV2'
          description: The following error codes **MUST** be supported:<br/><ul class="error-code-list"><li>[400 - Invalid Field](#error-400-field-invalid)</li><li>[400 - Missing Required Field](#error-400-field-missing)</li><li>[400 - Missing Required Header](#error-400-header-missing)</li><li>[400 - Invalid Version](#error-400-header-invalid-version)</li></ul>
        '404':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseErrorListV2'
          description: The following error codes **MUST** be supported:<br/><ul class="error-code-list"><li>[404 - Unavailable Resource](#error-404-resource-unavailable)</li><li>[404 - Invalid Resource](#error-404-resource-invalid)</li></ul>
        '406':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseErrorListV2'
          description: The following error codes **MUST** be supported:<br/><ul class="error-code-list"><li>[406 - Unsupported Version](#error-406-header-unsupported-version)</li></ul>
      servers:
      - description: TLS
        url: https://tls.dh.example.com/cds-au/v1
      summary: Get Product Detail
      tags:
      - Banking Products
      x-version: '7'
components:
  schemas:
    BankingProductConstraintV3:
      properties:
        constraintType:
          description: The type of constraint described. For further details, refer to [Product Constraint Types](#tocSproductconstrainttypedoc).
          enum:
          - MAX_BALANCE
          - MAX_LIMIT
          - MAX_LVR
          - MIN_BALANCE
          - MIN_LIMIT
          - MIN_LVR
          - OPENING_BALANCE
          - OTHER
          type: string
        additionalValue:
          description: Generic field containing additional information relevant to the [_constraintType_](#tocSproductconstrainttypedoc) specified. Whether mandatory or not is dependent on the value of [_constraintType_](#tocSproductconstrainttypedoc).
          type: string
        additionalInfo:
          description: Display text providing more information on the constraint. Mandatory if the [_constraintType_](#tocSproductconstrainttypedoc) value is `OTHER`.
          type: string
        additionalInfoUri:
          description: Link to a web page with more information on the constraint.
          type: string
          x-cds-type: URIString
      required:
      - constraintType
      type: object
      x-conditional:
      - additionalValue
      - additionalInfo
    BankingProductId:
      description: A data holder-specific unique identifier for a Banking product. This identifier must be unique to a product but does not otherwise need to adhere to ID permanence guidelines.
      type: string
      x-cds-type: ASCIIString
    Meta:
      type: object
    BankingProductAdditionalInformationV2:
      description: Object that contains links to additional information on specific topics.
      properties:
        overviewUri:
          description: General overview of the product. Mandatory if _additionalOverviewUris_ includes one or more supporting documents.
          type: string
          x-cds-type: URIString
        termsUri:
          description: Terms and conditions for the product. Mandatory if _additionalTermsUris_ includes one or more supporting documents.
          type: string
          x-cds-type: URIString
        eligibilityUri:
          description: Eligibility rules and criteria for the product. Mandatory if _additionalEligibilityUris_ includes one or more supporting documents.
          type: string
          x-cds-type: URIString
        feesAndPricingUri:
          description: Description of fees, pricing, discounts, exemptions and bonuses for the product. Mandatory if _additionalFeesAndPricingUris_ includes one or more supporting documents.
          type: string
          x-cds-type: URIString
        bundleUri:
          description: Description of a bundle that this product can be part of. Mandatory if _additionalBundleUris_ includes one or more supporting documents.
          type: string
          x-cds-type: URIString
        additionalOverviewUris:
          description: An array of additional general overviews for the product or features of the product, if applicable. To be treated as secondary documents to the _overviewUri_. Only to be used if there is a primary _overviewUri_.
          items:
            $ref: '#/components/schemas/BankingProductAdditionalInformationV2_additionalInformationUris'
          type: array
        additionalTermsUris:
          description: An array of additional terms and conditions for the product, if applicable. To be treated as secondary documents to the _termsUri_. Only to be used if there is a primary _termsUri_.
          items:
            $ref: '#/components/schemas/BankingProductAdditionalInformationV2_additionalInformationUris'
          type: array
        additionalEligibilityUris:
          description: An array of additional eligibility rules and criteria for the product, if applicable. To be treated as secondary documents to the _eligibilityUri_. Only to be used if there is a primary _eligibilityUri_.
          items:
            $ref: '#/components/schemas/BankingProductAdditionalInformationV2_additionalInformationUris'
          type: array
        additionalFeesAndPricingUris:
          description: An array of additional fees, pricing, discounts, exemptions and bonuses for the product, if applicable. To be treated as secondary documents to the _feesAndPricingUri_. Only to be used if there is a primary _feesAndPricingUri_.
          items:
            $ref: '#/components/schemas/BankingProductAdditionalInformationV2_additionalInformationUris'
          type: array
        additionalBundleUris:
          description: An array of additional bundles for the product, if applicable. To be treated as secondary documents to the _bundleUri_. Only to be used if there is a primary _bundleUri_.
          items:
            $ref: '#/components/schemas/BankingProductAdditionalInformationV2_additionalInformationUris'
          type: array
      type: object
      x-conditional:
      - overviewUri
      - termsUri
      - eligibilityUri
      - feesAndPricingUri
      - bundleUri
    ErrorV2:
      properties:
        code:
          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.
          type: string
        title:
          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.
          type: string
        detail:
          description: A human-readable explanation specific to this occurrence of the problem.
          type: string
        meta:
          $ref: '#/components/schemas/ErrorV2_meta'
      required:
      - code
      - detail
      - title
      type: object
      x-conditional:
      - meta
    LinksPaginated:
      properties:
        self:
          description: Fully qualified link that generated the current response document.
          type: string
          x-cds-type: URIString
        first:
          description: URI to the first page of this set. Mandatory if this response is not the first page.
          type: string
          x-cds-type: URIString
        prev:
          description: URI to the previous page of this set. Mandatory if this response is not the first page.
          type: string
          x-cds-type: URIString
        next:
          description: URI to the next page of this set. Mandatory if this response is not the last page.
          type: string
          x-cds-type: URIString
        last:
          description: URI to the last page of this set. Mandatory if this response is not the last page.
          type: string
          x-cds-type: URIString
      required:
      - self
      type: object
      x-conditional:
      - prev
      - next
      - first
      - last
    BankingFeeDiscountRate:
      properties:
        rateType:
          description: Type of fee rate discount calculation.<ul><li>`BALANCE` A fee rate discount based on a balance</li><li>`FEE` A fee rate discount based on the fee to which the discount is attached</li><li>`INTEREST_ACCRUED` A fee rate discount based on interest accrued</li><li>`TRANSACTION` A fee rate discount based on a transaction.</li></ul>
          enum:
          - BALANCE
          - FEE
          - INTEREST_ACCRUED
          - TRANSACTION
          type: string
        rate:
          description: The fee rate discount calculated according to the _rateType_.
          type: string
          x-cds-type: RateString
        amountRange:
          $ref: '#/components/schemas/BankingFeeDiscountRange'
      required:
      - rate
      - rateType
      type: object
    BankingProductLendingRateV3:
      properties:
        lendingRateType:
          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
          type: string
        rate:
          description: The rate to be applied.
          type: string
          x-cds-type: RateString
        comparisonRate:
          description: A comparison rate equivalent for this rate.
          type: string
          x-cds-type: RateString
        calculationFrequency:
          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).
          type: string
          x-cds-type: ExternalRef
        applicationType:
          description: The type of approach used to apply the rate to the account.
          enum:
          - MATURITY
          - PERIODIC
          - UPFRONT
          example: PERIODIC
          type: string
        applicationFrequency:
          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`.
          type: string
          x-cds-type: ExternalRef
        interestPaymentDue:
          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
          type: string
        repaymentType:
          description: Option in place for repayments.
          enum:
          - INTEREST_ONLY
          - OTHER
          - PRINCIPAL_AND_INTEREST
          - UNCONSTRAINED
          type: string
        loanPurpose:
          description: The reason for taking out the loan.
          enum:
          - INVESTMENT
          - OTHER
          - OWNER_OCCUPIED
          - UNCONSTRAINED
          type: string
        tiers:
          description: Qualifying criteria or conditions relevant to the associated rate.
          items:
            $ref: '#/components/schemas/BankingProductRateTierV4'
          type: array
        applicabilityConditions:
          description: Applicability conditions for the rate.
          items:
            $ref: '#/components/schemas/BankingProductRateConditionV2'
          type: array
        additionalValue:
          description: Generic field containing additional information relevant to the [_lendingRateType_](#tocSproductlendingratetypedoc) specified. Whether mandatory or not is dependent on the value of [_lendingRateType_](#tocSproductlendingratetypedoc).
          type: string
        additionalInfo:
          description: Display text providing more information on the rate.
          type: string
        additionalInfoUri:
          description: Link to a web page with more information on this rate.
          type: string
          x-cds-type: URIString
      required:
      - applicationType
      - lendingRateType
      - loanPurpose
      - rate
      - repaymentType
      type: object
      x-conditional:
      - additionalValue
      - applicationFrequency
    ErrorV2_meta:
      description: Additional data for customised error codes.
      properties:
        urn:
          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.
          type: string
      type: object
      x-conditional:
      - urn
    BankingProductFeatureV4:
      properties:
        featureType:
          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
          type: string
        additionalValue:
          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).
          type: string
        additionalInfo:
          description: Display text providing more information on the feature. Mandatory if the [_featureType_](#tocSproductfeaturetypedoc) value is `OTHER`.
          type: string
        additionalInfoUri:
          description: Link to a web page with more information on this feature.
          type: string
          x-cds-type: URIString
      required:
      - featureType
      type: object
      x-conditional:
      - additionalValue
      - additionalInfo
    BankingProductInstalments:
      description: Details of instalment features on the account.
      properties:
        maximumConcurrentPlans:
          description: Maximum number of concurrent active instalment plans that may be created on the account. If `null`, there is no predetermined maximum number.
          type: integer
          x-cds-type: NaturalNumber
        instalmentsLimit:
          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.
          type: string
          x-cds-type: AmountString
        minimumPlanValue:
          description: Minimum value that can be opened as an instalment plan.
          type: string
          x-cds-type: AmountString
        maximumPlanValue:
          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.
          type: string
          x-cds-type: AmountString
        minimumSplit:
          description: Minimum number of instalment payments a plan can be created with.
          example: 4
          type: integer
          x-cds-type: PositiveInteger
        maximumSplit:
          description: Maximum number of instalment payments a plan can be created with.
          example: 4
          type: integer
          x-cds-type: PositiveInteger
      required:
      - maximumSplit
      - minimumSplit
      type: object
    BankingProductRateConditionV2:
      description: Defines a condition for the applicability of a rate.
      properties:
        rateApplicabilityType:
          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
          type: string
        additionalValue:
          description: Generic field containing additional information relevant to the _rateApplicabilityType_ specified. Whether mandatory or not is dependent on the value of [_rateApplicabilityType_](#tocSbankingproductrateconditiondoc).
          type: string
        additionalInfo:
          description: Display text providing more information on the condition. Mandatory if the [_rateApplicabilityType_](#tocSbankingproductrateconditiondoc) value is `OTHER`.
          type: string
        additionalInfoUri:
          description: Link to a web page with more information on this condition.
          type: string
          x-cds-type: URIString
      required:
      - rateApplicabilityType
      type: object
      x-conditional:
      - additionalValue
      - additionalInfo
    BankingProductDetailV7_allOf:
      properties:
        bundles:
          description: An array of bundles that this product participates in. Each bundle is described by free form information but also by a list of _productID_ values of the other products that are included in the bundle. It is assumed that the current product is included in the bundle also.
          items:
            $ref: '#/components/schemas/BankingProductBundle'
          type: array
        features:
          description: Array of features and limitations of the product.
          items:
            $ref: '#/components/schemas/BankingProductFeatureV4'
          type: array
        constraints:
          description: Constraints on the application for the product such as minimum balances or limit thresholds.
          items:
            $ref: '#/components/schemas/BankingProductConstraintV3'
          type: array
        eligibility:
          description: Eligibility criteria for the product.
          items:
            $ref: '#/components/schemas/BankingProductEligibilityV2'
          type: array
        fees:
          description: Fees applicable to the product.
          items:
            $ref: '#/components/schemas/BankingProductFeeV2'
          t

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# Full source: https://raw.githubusercontent.com/api-evangelist/anz/refs/heads/main/openapi/anz-banking-products-api-openapi.yml