BCU Bank
BCU Bank Banking Account Balances API

Banking Account Balance endpoints
Documentation GitHub OpenAPI
OpenAPI Specification

openapi: 3.0.3
info:
  title: CDR Banking Banking Account Balances 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 Account Balances
  x-shortName: Account Balances
  description: Banking Account Balance endpoints
paths:
  /banking/accounts/balances:
    get:
      tags:
      - Banking Account Balances
      summary: Get Bulk Balances
      description: 'Obtain balances for multiple, filtered accounts.


        Obsolete versions: [v1](includes/obsolete/get-bulk-balances-v1.html).'
      operationId: listBankingBalancesBulk
      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/ListBankingBalancesBulk200'
        '400':
          $ref: '#/components/responses/ListBankingBalancesBulk400'
        '406':
          $ref: '#/components/responses/ListBankingBalancesBulk406'
        '422':
          $ref: '#/components/responses/ListBankingBalancesBulk422'
      x-scopes:
      - bank:accounts.basic:read
      x-version: '2'
    post:
      tags:
      - Banking Account Balances
      summary: Get Balances For Specific Accounts
      description: Obtain balances for a specified list of accounts.
      operationId: listBankingBalancesSpecificAccounts
      parameters:
      - $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'
      requestBody:
        $ref: '#/components/requestBodies/RequestAccountIds'
      responses:
        '200':
          $ref: '#/components/responses/ListBankingBalancesSpecificAccounts200'
        '400':
          $ref: '#/components/responses/ListBankingBalancesSpecificAccounts400'
        '406':
          $ref: '#/components/responses/ListBankingBalancesSpecificAccounts406'
        '422':
          $ref: '#/components/responses/ListBankingBalancesSpecificAccounts422'
      x-scopes:
      - bank:accounts.basic:read
      x-version: '1'
  /banking/accounts/{accountId}/balance:
    get:
      tags:
      - Banking Account Balances
      summary: Get Account Balance
      description: Obtain the balance for a single specified account.
      operationId: getBankingBalance
      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/GetBankingBalance200'
        '400':
          $ref: '#/components/responses/GetBankingBalance400'
        '404':
          $ref: '#/components/responses/GetBankingBalance404'
        '406':
          $ref: '#/components/responses/GetBankingBalance406'
      x-scopes:
      - bank:accounts.basic:read
      x-version: '1'
components:
  responses:
    ListBankingBalancesSpecificAccounts200:
      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/ResponseBankingAccountsBalanceList'
    ListBankingBalancesSpecificAccounts400:
      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 Page Size](#error-400-field-invalid-page-size)</li></ul>
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    ListBankingBalancesBulk406:
      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>
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    GetBankingBalance400:
      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>
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    GetBankingBalance404:
      description: The following error codes **MUST** be supported:<br/><ul class="error-code-list"><li>[404 - Unavailable Banking Account](#error-404-authorisation-unavailable-banking-account)</li><li>[404 - Invalid Banking Account](#error-404-authorisation-invalid-banking-account)</li></ul>
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    GetBankingBalance406:
      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>
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    ListBankingBalancesSpecificAccounts422:
      description: The following error codes **MUST** be supported:<br/><ul class="error-code-list"><li>[422 - Invalid Page](#error-422-field-invalid-page)</li><li>[422 - Unavailable Banking Account](#error-422-authorisation-unavailable-banking-account)</li><li>[422 - Invalid Banking Account](#error-422-authorisation-invalid-banking-account)</li></ul>
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    ListBankingBalancesSpecificAccounts406:
      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>
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    ListBankingBalancesBulk422:
      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>
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    GetBankingBalance200:
      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/ResponseBankingAccountsBalanceById'
    ListBankingBalancesBulk400:
      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 Page Size](#error-400-field-invalid-page-size)</li></ul>
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    ListBankingBalancesBulk200:
      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/ResponseBankingAccountsBalanceList'
  parameters:
    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
    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
    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
    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
    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
    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'
    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
    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
    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
    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
    QueryPage:
      name: page
      in: query
      description: Page of results to request (standard pagination).
      schema:
        type: integer
        default: 1
      x-cds-type: PositiveInteger
  schemas:
    RequestAccountIdListV1:
      type: object
      required:
      - data
      properties:
        data:
          type: object
          required:
          - accountIds
          properties:
            accountIds:
              type: array
              description: Array of _accountId_ values to obtain data for.
              items:
                $ref: '#/components/schemas/BankingAccountId'
        meta:
          $ref: '#/components/schemas/Meta'
    Meta:
      type: object
    Links:
      required:
      - self
      type: object
      properties:
        self:
          type: string
          description: Fully qualified link that generated the current response document.
          x-cds-type: URIString
    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
    BankingBalance:
      required:
      - accountId
      - availableBalance
      - currentBalance
      type: object
      properties:
        accountId:
          description: Unique identifier for the account.
          allOf:
          - $ref: '#/components/schemas/BankingAccountId'
        currentBalance:
          type: string
          description: The balance of the account at this time. Should align to the balance available via other channels such as Internet Banking. Assumed to be negative if the customer has money owing.
          x-cds-type: AmountString
        availableBalance:
          type: string
          description: Balance representing the amount of funds available for transfer. Assumed to be zero or positive.
          x-cds-type: AmountString
        creditLimit:
          type: string
          description: Object representing the maximum amount of credit that is available for this account. Assumed to be zero if absent.
          default: '0.00'
          x-cds-type: AmountString
        amortisedLimit:
          type: string
          description: Object representing the available limit amortised according to payment schedule. Assumed to be zero if absent.
          default: '0.00'
          x-cds-type: AmountString
        currency:
          type: string
          description: The currency for the balance amounts. If absent assumed to be `AUD`.
          default: AUD
          x-cds-type: CurrencyString
        purses:
          type: array
          description: Optional array of balances for the account in other currencies. Included to support accounts that support multi-currency purses such as Travel Cards.
          items:
            $ref: '#/components/schemas/BankingBalancePurse'
    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.
    ResponseBankingAccountsBalanceList:
      required:
      - data
      - links
      - meta
      type: object
      properties:
        data:
          required:
          - balances
          type: object
          properties:
            balances:
              type: array
              description: The list of balances returned.
              items:
                $ref: '#/components/schemas/BankingBalance'
        links:
          $ref: '#/components/schemas/LinksPaginated'
        meta:
          $ref: '#/components/schemas/MetaPaginated'
    BankingAccountId:
      type: string
      description: A unique identifier for a Banking account, generated according to [CDR ID Permanence](#id-permanence) requirements.
      x-cds-type: ASCIIString
    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
    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
    BankingBalancePurse:
      required:
      - amount
      type: object
      properties:
        amount:
          type: string
          description: The balance available for this additional currency purse.
          x-cds-type: AmountString
        currency:
          type: string
          description: The currency for the purse.
          x-cds-type: CurrencyString
    ResponseErrorListV2:
      type: object
      required:
      - errors
      properties:
        errors:
          description: List of errors.
          type: array
          items:
            $ref: '#/components/schemas/ErrorV2'
    ResponseBankingAccountsBalanceById:
      required:
      - data
      - links
      type: object
      properties:
        data:
          $ref: '#/components/schemas/BankingBalance'
        links:
          $ref: '#/components/schemas/Links'
        meta:
          $ref: '#/components/schemas/Meta'
  headers:
    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
    XV:
      description: The [payload version](#response-headers) that the endpoint has responded with.
      required: true
      schema:
        type: string
  requestBodies:
    RequestAccountIds:
      description: Request payload containing a list of _accountId_ values to obtain data for.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/RequestAccountIdListV1'
      required: true
BCU Bank Banking Account Balances API

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