BCU Bank Banking Account Transactions API

openapi: 3.0.3
info:
  title: CDR Banking Banking Account Balances Banking Account Transactions 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 Transactions
  x-shortName: Transactions
  description: Banking Account Transaction endpoints
paths:
  /banking/accounts/{accountId}/transactions:
    get:
      tags:
      - Banking Account Transactions
      summary: Get Transactions For Account
      description: 'Obtain transactions for a specific account.


        Some general notes that apply to all endpoints that retrieve transactions:<ul><li>Where multiple transactions are returned, transactions should be ordered according to effective date in descending order<li>As the date and time for a transaction can alter depending on status and transaction type two separate date/times are included in the payload. There are still some scenarios where neither of these time stamps is available. For the purpose of filtering and ordering it is expected that the data holder will use the "effective" date/time which will be defined as:<ul><li>Posted date/time if available, then<li>Execution date/time if available, then<li>A reasonable date/time nominated by the data holder using internal data structures</ul><li>For transaction amounts it should be assumed that a negative value indicates a reduction of the available balance on the account while a positive value indicates an increase in the available balance on the account<li>For aggregated transactions (i.e. groups of sub transactions reported as a single entry for the account) only the aggregated information, with as much consistent information across the subsidiary transactions as possible, is required to be shared.</ul>


        Obsolete versions: [v1](includes/obsolete/get-transactions-for-account-v1.html).'
      operationId: listBankingTransactions
      parameters:
      - $ref: '#/components/parameters/PathAccountId'
      - $ref: '#/components/parameters/QueryOldestTime'
      - $ref: '#/components/parameters/QueryNewestTime'
      - $ref: '#/components/parameters/QueryMinAmount'
      - $ref: '#/components/parameters/QueryMaxAmount'
      - $ref: '#/components/parameters/QueryBankingTransactionText'
      - $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/ListBankingTransactions200'
        '400':
          $ref: '#/components/responses/ListBankingTransactions400'
        '404':
          $ref: '#/components/responses/ListBankingTransactions404'
        '406':
          $ref: '#/components/responses/ListBankingTransactions406'
        '422':
          $ref: '#/components/responses/ListBankingTransactions422'
      x-scopes:
      - bank:transactions:read
      x-version: '2'
  /banking/accounts/{accountId}/transactions/{transactionId}:
    get:
      tags:
      - Banking Account Transactions
      summary: Get Transaction Detail
      description: 'Obtain detailed information on a transaction for a specific account.


        Obsolete versions: [v1](includes/obsolete/get-transaction-detail-v1.html), [v2](includes/obsolete/get-transaction-detail-v2.html).'
      operationId: getBankingTransactionDetail
      parameters:
      - $ref: '#/components/parameters/PathAccountId'
      - name: transactionId
        in: path
        description: The _transactionId_ to obtain data for. _transactionId_ values are returned by transaction list endpoints.
        required: true
        schema:
          $ref: '#/components/schemas/BankingTransactionId'
      - $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/GetBankingTransactionDetail200'
        '400':
          $ref: '#/components/responses/GetBankingTransactionDetail400'
        '404':
          $ref: '#/components/responses/GetBankingTransactionDetail404'
        '406':
          $ref: '#/components/responses/GetBankingTransactionDetail406'
      x-scopes:
      - bank:transactions:read
      x-version: '3'
components:
  schemas:
    MetaPaginatedTransaction:
      allOf:
      - $ref: '#/components/schemas/MetaPaginated'
      - type: object
        properties:
          isQueryParamUnsupported:
            type: boolean
            description: '`true` if _text_ query parameter is not supported.'
            default: false
    NppPaymentService:
      type: string
      description: Identifier of the applicable overlay service. The _service_ is used in conjunction with the _serviceVersion_. See [here](#npp-services) for more details.
      enum:
      - X2P1
      - IFTI
      - BSCT
      - CATSCT
      example: X2P1
    ResponseBankingTransactionListV2:
      required:
      - data
      - links
      - meta
      type: object
      properties:
        data:
          required:
          - transactions
          type: object
          properties:
            transactions:
              type: array
              items:
                $ref: '#/components/schemas/BankingTransactionV2'
        links:
          $ref: '#/components/schemas/LinksPaginated'
        meta:
          $ref: '#/components/schemas/MetaPaginatedTransaction'
    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
    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.
    BankingAccountId:
      type: string
      description: A unique identifier for a Banking account, generated according to [CDR ID Permanence](#id-permanence) requirements.
      x-cds-type: ASCIIString
    BankingTransactionDetailV3:
      allOf:
      - $ref: '#/components/schemas/BankingTransactionV2'
      - required:
        - extendedData
        type: object
        properties:
          extendedData:
            type: object
            properties:
              payer:
                type: string
                description: Label of the originating payer. Mandatory for inbound payment.
              payee:
                type: string
                description: Label of the target PayID. Mandatory for an outbound payment. The name assigned to the BSB/Account Number or PayID (by the owner of the PayID).
              extensionUType:
                type: string
                description: Optional extended data specific to transactions. Currently extended data is supported for NPP service overlays.
                enum:
                - nppPayload
              nppPayload:
                type: object
                description: Mandatory if the _extensionUType_ value is `nppPayload`.
                required:
                - service
                - serviceVersion
                x-conditional:
                - extendedDescription
                properties:
                  extendedDescription:
                    type: string
                    description: An extended string description. Mandatory if the _extensionUType_ value is `nppPayload`.
                  endToEndId:
                    type: string
                    description: An end to end ID for the payment created at initiation.
                  purposeCode:
                    type: string
                    x-cds-type: ExternalRef
                    description: Purpose of the payment. Format is defined by the NPP standards for the NPP overlay services including Osko (X2P1).
                  service:
                    $ref: '#/components/schemas/NppPaymentService'
                  serviceVersion:
                    type: string
                    x-cds-type: ExternalRef
                    description: Two-digit NPP service overlay version with leading zero.
                    example: '03'
            x-conditional:
            - payer
            - payee
            - nppPayload
    ResponseBankingTransactionByIdV3:
      required:
      - data
      - links
      type: object
      properties:
        data:
          $ref: '#/components/schemas/BankingTransactionDetailV3'
        links:
          $ref: '#/components/schemas/Links'
        meta:
          $ref: '#/components/schemas/Meta'
    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
    BankingTransactionId:
      type: string
      description: A unique identifier for a Banking transaction, generated according to [CDR ID Permanence](#id-permanence) requirements.
      x-cds-type: ASCIIString
    BankingInstalmentPlanId:
      type: string
      description: A unique identifier for a Banking instalment plan, generated according to [CDR ID Permanence](#id-permanence) requirements.
      x-cds-type: ASCIIString
    ResponseErrorListV2:
      type: object
      required:
      - errors
      properties:
        errors:
          description: List of errors.
          type: array
          items:
            $ref: '#/components/schemas/ErrorV2'
    BankingTransactionV2:
      required:
      - accountId
      - amount
      - description
      - isDetailAvailable
      - reference
      - status
      - type
      type: object
      properties:
        accountId:
          description: Unique identifier for the account.
          allOf:
          - $ref: '#/components/schemas/BankingAccountId'
        transactionId:
          description: Unique identifier for the transaction. This is mandatory (through hashing if necessary) unless there are specific and justifiable technical reasons why a transaction cannot be uniquely identified for a particular account type. Mandatory if the _isDetailAvailable_ value is `true`.
          allOf:
          - $ref: '#/components/schemas/BankingTransactionId'
        isDetailAvailable:
          type: boolean
          description: '`true` if extended information is available using the transaction detail endpoint. `false` if extended data is not available.'
        type:
          type: string
          description: The type of the transaction.
          enum:
          - DIRECT_DEBIT
          - FEE
          - INTEREST_CHARGED
          - INTEREST_PAID
          - OTHER
          - PAYMENT
          - TRANSFER_INCOMING
          - TRANSFER_OUTGOING
        status:
          type: string
          description: Status of the transaction whether pending or posted. Note that there is currently no provision in the standards to guarantee the ability to correlate a pending transaction with an associated posted transaction.
          enum:
          - PENDING
          - POSTED
        description:
          type: string
          description: The transaction description as applied by the financial institution.
        postingDateTime:
          type: string
          description: The time the transaction was posted. This field is Mandatory if the transaction has status `POSTED`. This is the time that appears on a standard statement.
          x-cds-type: DateTimeString
        valueDateTime:
          type: string
          description: Date and time at which assets become available to the account owner in case of a credit entry, or cease to be available to the account owner in case of a debit transaction entry.
          x-cds-type: DateTimeString
        executionDateTime:
          type: string
          description: The time the transaction was executed by the originating customer, if available.
          x-cds-type: DateTimeString
        amount:
          type: string
          description: The value of the transaction. Negative values mean money was outgoing from the account.
          x-cds-type: AmountString
        currency:
          type: string
          description: The currency for the transaction amount. `AUD` assumed if not present.
          default: AUD
          x-cds-type: CurrencyString
        reference:
          type: string
          description: The reference for the transaction provided by the originating institution. Empty string if no data provided.
        merchantName:
          type: string
          description: Name of the merchant for an outgoing payment to a merchant.
        merchantCategoryCode:
          type: string
          description: The merchant category code (or MCC) for an outgoing payment to a merchant.
        instalmentPlanId:
          description: If the transaction is associated with an instalment plan, the corresponding _planId_ value. It should be noted that if the transaction is for a fee associated with a plan, or any amount of repayment, the _amount_ of the transaction may not match a scheduled instalment amount.
          allOf:
          - $ref: '#/components/schemas/BankingInstalmentPlanId'
        billerCode:
          type: string
          description: BPAY Biller Code for the transaction (if available).
        billerName:
          type: string
          description: Name of the BPAY biller for the transaction (if available).
        crn:
          type: string
          description: BPAY CRN for the transaction (if available).<br/>Where the CRN contains sensitive information, it should be masked in line with how the Data Holder currently displays account identifiers in their existing online banking channels. If the contents of the CRN match the format of a Credit Card PAN they should be masked according to the rules applicable for [MaskedPANString](#common-field-types). If the contents are otherwise sensitive, then it should be masked using the rules applicable for the [MaskedAccountString](#common-field-types) common type.
        apcaNumber:
          type: string
          description: 6 Digit APCA number for the initiating institution. The field is fixed-width and padded with leading zeros if applicable.
      x-conditional:
      - transactionId
      - postingDateTime
      - crn
  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
    QueryOldestTime:
      name: oldest-time
      in: query
      description: Constrain the transaction history request to transactions with effective time at or after this date/time. If absent defaults to _newest-time_ minus 90 days. Format is aligned to [DateTimeString](#common-field-types) common type.
      schema:
        type: string
      x-cds-type: DateTimeString
    QueryNewestTime:
      name: newest-time
      in: query
      description: Constrain the transaction history request to transactions with effective time at or before this date/time. If absent defaults to today. Format is aligned to [DateTimeString](#common-field-types) common type.
      schema:
        type: string
      x-cds-type: DateTimeString
    QueryBankingTransactionText:
      name: text
      in: query
      description: Filter transactions to only transactions where this string value is found as a substring of either the _reference_ or _description_ fields. Format is arbitrary ASCII string. This parameter is optionally implemented by data holders. If it is not implemented then a response should be provided as normal without text filtering applied and an additional boolean field named _isQueryParamUnsupported_ should be included in the meta object and set to `true` (whether the text parameter is supplied or not).
      schema:
        type: string
    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'
    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
    QueryMaxAmount:
      name: max-amount
      in: query
      description: Filter transactions to only transactions with amounts less than or equal to this amount.
      schema:
        type: string
      x-cds-type: AmountString
    QueryMinAmount:
      name: min-amount
      in: query
      description: Filter transactions to only transactions with amounts higher than or equal to this amount.
      schema:
        type: string
      x-cds-type: AmountString
    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
  responses:
    GetBankingTransactionDetail200:
      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/ResponseBankingTransactionByIdV3'
    ListBankingTransactions404:
      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'
    ListBankingTransactions200:
      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/ResponseBankingTransactionListV2'
    ListBankingTransactions406:
      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'
    GetBankingTransactionDetail400:
      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></ul>
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    ListBankingTransactions400:
      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><li>[400 - Invalid Date](#error-400-field-invalid-date-time)</li></ul>
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    GetBankingTransactionDetail406:
      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'
    GetBankingTransactionDetail404:
      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><li>[404 - Unavailable Resource](#error-404-resource-unavailable)</li><li>[404 - Invalid Resource](#error-404-resource-invalid)</li></ul>
      headers:
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    ListBankingTransactions422:
      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'
  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