Basiq Accounts API

openapi: 3.0.3
info:
  title: Basiq Accounts API
  description: The Basiq API is an open banking and financial data platform providing unified access to Australian and New Zealand bank account data. It enables financial applications to retrieve account balances, transactions, income verification, and expense categorization via consumer-consented bank connections using CDR (Consumer Data Right) and third-party open banking standards.
  version: 3.0.0
  contact:
    name: Basiq Support
    url: https://basiq.io/contact
  termsOfService: https://basiq.io/legal/terms-of-use/
servers:
- url: https://au-api.basiq.io
  description: Basiq API (Australia)
security:
- BearerAuth: []
tags:
- name: Accounts
paths:
  /users/{userId}/accounts:
    get:
      operationId: listAccounts
      summary: List Accounts
      description: List all bank accounts for a user across all connections.
      tags:
      - Accounts
      parameters:
      - $ref: '#/components/parameters/UserId'
      responses:
        '200':
          description: List of accounts
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountListResponse'
        '404':
          $ref: '#/components/responses/NotFound'
  /users/{userId}/accounts/{accountId}:
    get:
      operationId: getAccount
      summary: Get Account
      description: Retrieve a specific bank account with balance information.
      tags:
      - Accounts
      parameters:
      - $ref: '#/components/parameters/UserId'
      - $ref: '#/components/parameters/AccountId'
      responses:
        '200':
          description: Account record
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Account'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  schemas:
    AccountListResponse:
      type: object
      properties:
        type:
          type: string
          default: list
        data:
          type: array
          items:
            $ref: '#/components/schemas/Account'
        size:
          type: integer
    ErrorResponse:
      type: object
      properties:
        type:
          type: string
        title:
          type: string
        code:
          type: string
        detail:
          type: string
        source:
          type: object
    Account:
      type: object
      properties:
        id:
          type: string
        name:
          type: string
          description: Account name
        accountNo:
          type: string
          description: Masked account number
        currency:
          type: string
          description: ISO 4217 currency code
        balance:
          type: number
          format: double
          description: Current balance
        availableFunds:
          type: number
          format: double
          description: Available funds
        accountType:
          type: string
          enum:
          - transaction
          - savings
          - credit-card
          - mortgage
          - loan
          - investment
        status:
          type: string
          enum:
          - available
          - unavailable
  responses:
    NotFound:
      description: Resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
  parameters:
    UserId:
      name: userId
      in: path
      required: true
      description: Basiq user ID
      schema:
        type: string
    AccountId:
      name: accountId
      in: path
      required: true
      description: Basiq account ID
      schema:
        type: string
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT