BCU Bank Banking Accounts API

openapi: 3.2.0
info:
  title: CDR Banking Banking Account Balances Banking Accounts 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 Accounts
  x-shortName: Accounts
  description: Banking Account endpoints
paths:
  /banking/accounts:
    get:
      tags:
      - Banking Accounts
      summary: Get Accounts
      description: 'Obtain a list of accounts.


        Obsolete versions: [v1](includes/obsolete/get-accounts-v1.html), [v2](includes/obsolete/get-accounts-v2.html).'
      operationId: listBankingAccounts
      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/ListBankingAccounts200'
        '400':
          $ref: '#/components/responses/ListBankingAccounts400'
        '406':
          $ref: '#/components/responses/ListBankingAccounts406'
        '422':
          $ref: '#/components/responses/ListBankingAccounts422'
      x-scopes:
      - bank:accounts.basic:read
      x-version: '3'
  /banking/accounts/{accountId}:
    get:
      tags:
      - Banking Accounts
      summary: Get Account Detail
      description: 'Obtain detailed information on a single account.


        Obsolete versions: [v1](includes/obsolete/get-account-detail-v1.html), [v2](includes/obsolete/get-account-detail-v2.html), [v3](includes/obsolete/get-account-detail-v3.html), [v4](includes/obsolete/get-account-detail-v4.html).'
      operationId: getBankingAccountDetail
      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/GetBankingAccountDetail200'
        '400':
          $ref: '#/components/responses/GetBankingAccountDetail400'
        '404':
          $ref: '#/components/responses/GetBankingAccountDetail404'
        '406':
          $ref: '#/components/responses/GetBankingAccountDetail406'
      x-scopes:
      - bank:accounts.detail:read
      x-version: '5'
components:
  schemas:
    BankingProductRateTierV4:
      required:
      - minimumValue
      - name
      - unitOfMeasure
      type: object
      properties:
        name:
          type: string
          description: A display name for the tier.
        unitOfMeasure:
          type: string
          description: The unit of measure that applies to the _minimumValue_ and _maximumValue_ values, e.g.,<ul><li>`DOLLAR` for a dollar amount (with values in AmountString format)<li>`PERCENT` for Loan-to-Value Ratio or LVR (with values in RateString format)<li>`MONTH` or `DAY` for a period representing a discrete number of months or days for a fixed-term deposit or loan (with values as a string containing a positive integer).</ul>
          enum:
          - DAY
          - DOLLAR
          - MONTH
          - PERCENT
        minimumValue:
          type: string
          description: The number of _unitOfMeasure_ units that form the lower bound of the tier. The tier should be inclusive of this value.
        maximumValue:
          type: string
          description: 'The number of _unitOfMeasure_ units that form the upper bound of the tier or band. For a tier with a discrete value (as opposed to a range of values e.g., 1 month) this must be the same as _minimumValue_. Where this is the same as the _minimumValue_ value of the next-higher tier the referenced tier should be exclusive of this value. For example a term deposit of 2 months falls into the upper tier of the following tiers: (1 – 2 months, 2 – 3 months). If absent the tier''s range has no upper bound.'
        rateApplicationMethod:
          type: string
          description: The method used to calculate the amount to be applied using one or more tiers. A single rate may be applied to the entire balance or each applicable tier rate is applied to the portion of the balance that falls into that tier (referred to as 'bands' or 'steps').
          enum:
          - PER_TIER
          - WHOLE_BALANCE
        applicabilityConditions:
          type: array
          description: Applicability conditions for the rate tier.
          items:
            $ref: '#/components/schemas/BankingProductRateConditionV2'
        additionalInfo:
          type: string
          description: Display text providing more information on the rate tier.
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this rate tier.
          x-cds-type: URIString
      description: Defines the criteria and conditions for which a rate applies.
    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
    BankingAccountV3:
      required:
      - accountId
      - displayName
      - accountOwnership
      - maskedNumber
      - productCategory
      - productName
      type: object
      properties:
        accountId:
          description: Unique identifier for the account.
          allOf:
          - $ref: '#/components/schemas/BankingAccountId'
        creationDate:
          type: string
          description: Date that the account was created (if known).
          x-cds-type: DateString
        displayName:
          type: string
          description: The display name of the account as defined by the bank. This should not incorporate account numbers or PANs. If it does the values should be masked according to the rules of the [MaskedAccountString](#common-field-types) common type.
        nickname:
          type: string
          description: A customer supplied nickname for the account.
        openStatus:
          type: string
          description: Open or closed status for the account. If not present then `OPEN` is assumed.
          default: OPEN
          enum:
          - CLOSED
          - OPEN
        isOwned:
          type: boolean
          description: Flag indicating that the customer associated with the authorisation is an owner of the account. Does not indicate sole ownership, however. If not present then `true` is assumed.
          default: true
        accountOwnership:
          type: string
          description: Value indicating the number of customers that have ownership of the account, according to the data holder's definition of account ownership. Does not indicate that all account owners are eligible consumers.
          enum:
          - UNKNOWN
          - ONE_PARTY
          - TWO_PARTY
          - MANY_PARTY
          - OTHER
        maskedNumber:
          type: string
          description: A masked version of the account. Whether BSB/Account Number, Credit Card PAN or another number.
          x-cds-type: MaskedAccountString
        productCategory:
          $ref: '#/components/schemas/BankingProductCategoryV2'
        productName:
          type: string
          description: The unique identifier of the account as defined by the data holder (akin to model number for the account).
        isInstalmentDetailAvailable:
          type: boolean
          default: false
          description: '`true` if any active or inactive instalment plans are available in the Get Instalment Plans endpoints. `false` if instalment plans are not applicable to the account.'
    BankingProductDepositRateV2:
      required:
      - depositRateType
      - rate
      - applicationType
      type: object
      properties:
        depositRateType:
          type: string
          description: The type of rate (`FIXED`, `VARIABLE`, `BONUS`, etc.) For further details, refer to [Product Deposit Rate Types](#tocSproductdepositratetypedoc).
          enum:
          - BONUS
          - BUNDLE_BONUS
          - FIXED
          - FLOATING
          - INTRODUCTORY
          - MARKET_LINKED
          - VARIABLE
          example: VARIABLE
        rate:
          type: string
          description: The rate to be applied.
          x-cds-type: RateString
        calculationFrequency:
          type: string
          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).
          x-cds-type: ExternalRef
        applicationType:
          type: string
          description: The type of approach used to apply the rate to the account.
          enum:
          - MATURITY
          - PERIODIC
          - UPFRONT
          example: PERIODIC
        applicationFrequency:
          type: string
          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`.
          x-cds-type: ExternalRef
        tiers:
          type: array
          description: Qualifying criteria or conditions relevant to the associated rate.
          items:
            $ref: '#/components/schemas/BankingProductRateTierV4'
        applicabilityConditions:
          type: array
          description: Applicability conditions for the rate.
          items:
            $ref: '#/components/schemas/BankingProductRateConditionV2'
        additionalValue:
          type: string
          description: Generic field containing additional information relevant to the [_depositRateType_](#tocSproductdepositratetypedoc) specified. Whether mandatory or not is dependent on the value of [_depositRateType_](#tocSproductdepositratetypedoc).
        additionalInfo:
          type: string
          description: Display text providing more information on the rate.
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this rate.
          x-cds-type: URIString
      x-conditional:
      - additionalValue
      - applicationFrequency
    BankingFeeRate:
      type: object
      required:
      - rateType
      - rate
      properties:
        rateType:
          type: string
          description: Type of fee rate calculation.<ul><li>`BALANCE` A fee rate based on a balance</li><li>`INTEREST_ACCRUED` A fee rate based on interest accrued</li><li>`TRANSACTION` A fee rate based on a transaction.</li></ul>
          enum:
          - BALANCE
          - INTEREST_ACCRUED
          - TRANSACTION
        rate:
          type: string
          x-cds-type: RateString
          description: The fee rate calculated according to the _rateType_.
        accrualFrequency:
          type: string
          description: The indicative frequency with which the fee is calculated on the account if applicable. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).
          x-cds-type: ExternalRef
        amountRange:
          $ref: '#/components/schemas/BankingFeeRange'
      x-conditional:
      - balanceRate
      - transactionRate
      - accruedRate
    BankingAccountId:
      type: string
      description: A unique identifier for a Banking account, generated according to [CDR ID Permanence](#id-permanence) requirements.
      x-cds-type: ASCIIString
    BankingFeeDiscountRange:
      type: object
      description: A minimum or maximum fee discount amount where a specific fixed amount is not known until the fee is incurred.
      properties:
        discountMinimum:
          type: string
          description: The minimum fee discount that will be applied per occurrence.
          x-cds-type: AmountString
        discountMaximum:
          type: string
          description: The maximum fee discount that will be applied per occurrence.
          x-cds-type: AmountString
    CommonPAFAddress:
      required:
      - localityName
      - postcode
      - state
      type: object
      properties:
        dpid:
          type: string
          description: Unique identifier for an address as defined by Australia Post. Also known as Delivery Point Identifier.
        thoroughfareNumber1:
          type: integer
          description: Thoroughfare number for a property (first number in a property ranged address).
          x-cds-type: PositiveInteger
        thoroughfareNumber1Suffix:
          type: string
          description: Suffix for the thoroughfare number. Only relevant if _thoroughfareNumber1_ is populated.
        thoroughfareNumber2:
          type: integer
          description: Second thoroughfare number (only used if the property has a ranged address, e.g., 23-25).
          x-cds-type: PositiveInteger
        thoroughfareNumber2Suffix:
          type: string
          description: Suffix for the second thoroughfare number. Only relevant if _thoroughfareNumber2_ is populated.
        flatUnitType:
          type: string
          description: Type of flat or unit for the address.
        flatUnitNumber:
          type: string
          description: Unit number (including suffix, if applicable).
        floorLevelType:
          type: string
          description: Type of floor or level for the address.
        floorLevelNumber:
          type: string
          description: Floor or level number (including alpha characters).
        lotNumber:
          type: string
          description: Allotment number for the address.
        buildingName1:
          type: string
          description: Building/Property name 1.
        buildingName2:
          type: string
          description: Building/Property name 2.
        streetName:
          type: string
          description: The name of the street.
        streetType:
          type: string
          description: The street type. Valid enumeration defined by Australia Post PAF code file.
        streetSuffix:
          type: string
          description: The street type suffix. Valid enumeration defined by Australia Post PAF code file.
        postalDeliveryType:
          type: string
          description: Postal delivery type. (e.g., PO BOX). Valid enumeration defined by Australia Post PAF code file.
        postalDeliveryNumber:
          type: integer
          description: Postal delivery number if the address is a postal delivery type.
          x-cds-type: PositiveInteger
        postalDeliveryNumberPrefix:
          type: string
          description: Postal delivery number prefix related to the postal delivery number.
        postalDeliveryNumberSuffix:
          type: string
          description: Postal delivery number suffix related to the postal delivery number.
        localityName:
          type: string
          description: Full name of locality.
        postcode:
          type: string
          description: Postcode for the locality.
        state:
          type: string
          description: State in which the address belongs. Valid enumeration defined by Australia Post PAF code file [State Type Abbreviation](https://auspost.com.au/content/dam/auspost_corp/media/documents/australia-post-data-guide.pdf). `NSW`, `QLD`, `VIC`, `NT`, `WA`, `SA`, `TAS`, `ACT`, `AAT`.
      description: Australian address formatted according to the file format defined by the [PAF file format](https://auspost.com.au/content/dam/auspost_corp/media/documents/australia-post-data-guide.pdf). Mandatory if the _addressUType_ value is `paf`.
    BankingProductFeeV2:
      required:
      - name
      - feeType
      - feeMethodUType
      type: object
      properties:
        name:
          type: string
          description: Name of the fee.
        feeType:
          type: string
          description: The type of fee. For further details, refer to [Product Fee Types](#tocSproductfeetypedoc).
          enum:
          - CASH_ADVANCE
          - DEPOSIT
          - DISHONOUR
          - ENQUIRY
          - EVENT
          - EXIT
          - LATE_PAYMENT
          - OTHER
          - PAYMENT
          - PERIODIC
          - PURCHASE
          - REPLACEMENT
          - TRANSACTION
          - UPFRONT
          - UPFRONT_PER_PLAN
          - VARIATION
          - WITHDRAWAL
          example: CASH_ADVANCE
        feeMethodUType:
          type: string
          description: Reference to the applicable fee charging method structure.
          enum:
          - fixedAmount
          - rateBased
          - variable
        fixedAmount:
          description: Mandatory if the _feeMethodUType_ value is `fixedAmount`. Where the fee is a specific amount.
          allOf:
          - $ref: '#/components/schemas/BankingFeeAmount'
        rateBased:
          description: Mandatory if the _feeMethodUType_ value is `rateBased`. Where the fee is based on a type of rate.
          allOf:
          - $ref: '#/components/schemas/BankingFeeRate'
        variable:
          description: Mandatory if the _feeMethodUType_ value is `variable`. Where the amount or rate may not be known until the fee is incurred.
          allOf:
          - $ref: '#/components/schemas/BankingFeeRange'
        feeCap:
          type: string
          description: The cap amount if multiple occurrences of the fee are capped to a limit.
          x-cds-type: AmountString
        feeCapPeriod:
          type: string
          description: Specifies a duration over which multiple occurrences of the fee will be capped. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).
          x-cds-type: ExternalRef
        currency:
          type: string
          description: The currency the fee will be charged in. Assumes `AUD` if absent.
          default: AUD
          x-cds-type: CurrencyString
        additionalValue:
          type: string
          description: Generic field containing additional information relevant to the [_feeType_](#tocSproductfeetypedoc) specified. Whether mandatory or not is dependent on the value of [_feeType_](#tocSproductfeetypedoc).
        additionalInfo:
          type: string
          description: Display text providing more information on the fee. Mandatory if the [_feeType_](#tocSproductfeetypedoc) value is `OTHER`.
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this fee.
          x-cds-type: URIString
        discounts:
          type: array
          description: An optional list of discounts to this fee that may be available.
          items:
            $ref: '#/components/schemas/BankingProductDiscountV2'
      x-conditional:
      - fixedAmount
      - rateBased
      - variable
      - additionalValue
      - additionalInfo
    BankingProductInstalments:
      description: Details of instalment features on the account.
      required:
      - minimumSplit
      - maximumSplit
      type: object
      properties:
        maximumConcurrentPlans:
          type: integer
          description: Maximum number of concurrent active instalment plans that may be created on the account. If `null`, there is no predetermined maximum number.
          x-cds-type: NaturalNumber
        instalmentsLimit:
          type: string
          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.
          x-cds-type: AmountString
        minimumPlanValue:
          type: string
          description: Minimum value that can be opened as an instalment plan.
          x-cds-type: AmountString
        maximumPlanValue:
          type: string
          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.
          x-cds-type: AmountString
        minimumSplit:
          type: integer
          description: Minimum number of instalment payments a plan can be created with.
          x-cds-type: PositiveInteger
          example: 4
        maximumSplit:
          type: integer
          description: Maximum number of instalment payments a plan can be created with.
          x-cds-type: PositiveInteger
          example: 4
    Links:
      required:
      - self
      type: object
      properties:
        self:
          type: string
          description: Fully qualified link that generated the current response document.
          x-cds-type: URIString
    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
    CommonSimpleAddress:
      description: Mandatory if the _addressUType_ value is `simple`.
      required:
      - addressLine1
      - city
      - state
      type: object
      properties:
        mailingName:
          type: string
          description: Name of the individual or business formatted for inclusion in an address used for physical mail.
        addressLine1:
          type: string
          description: First line of the standard address object.
        addressLine2:
          type: string
          description: Second line of the standard address object.
        addressLine3:
          type: string
          description: Third line of the standard address object.
        postcode:
          type: string
          description: Mandatory for Australian addresses.
        city:
          type: string
          description: Name of the city or locality.
        state:
          type: string
          description: Free text if the country is not Australia. If country is Australia then must be one of the values defined by the [State Type Abbreviation](https://auspost.com.au/content/dam/auspost_corp/media/documents/australia-post-data-guide.pdf) in the PAF file format. `NSW`, `QLD`, `VIC`, `NT`, `WA`, `SA`, `TAS`, `ACT`, `AAT`.
        country:
          type: string
          description: A valid [ISO 3166 Alpha-3](https://www.iso.org/iso-3166-country-codes.html) country code. Australia (`AUS`) is assumed if country is not present.
          default: AUS
          x-cds-type: ExternalRef
      x-conditional:
      - postcode
    BankingLoanAccountV3:
      required:
      - repaymentType
      type: object
      properties:
        originalStartDate:
          type: string
          description: Optional original start date for the loan.
          x-cds-type: DateString
        originalLoanAmount:
          type: string
          description: Optional original loan value.
          x-cds-type: AmountString
        originalLoanCurrency:
          type: string
          description: If absent assumes `AUD`.
          default: AUD
          x-cds-type: CurrencyString
        loanEndDate:
          type: string
          description: Date that the loan is due to be repaid in full.
          x-cds-type: DateString
        nextInstalmentDate:
          type: string
          description: Next date that an instalment is required.
          x-cds-type: DateString
        minInstalmentAmount:
          type: string
          description: Minimum amount of next instalment.
          x-cds-type: AmountString
        minInstalmentCurrency:
          type: string
          description: If absent assumes `AUD`.
          default: AUD
          x-cds-type: CurrencyString
        maxRedraw:
          type: string
          description: Maximum amount of funds that can be redrawn. If not present redraw is not available even if the feature exists for the account.
          x-cds-type: AmountString
        maxRedrawCurrency:
          type: string
          description: If absent assumes `AUD`.
          default: AUD
          x-cds-type: CurrencyString
        minRedraw:
          type: string
          description: Minimum redraw amount.
          x-cds-type: AmountString
        minRedrawCurrency:
          type: string
          description: If absent assumes `AUD`.
          default: AUD
          x-cds-type: CurrencyString
        offsetAccountEnabled:
          type: boolean
          description: Set to `true` if one or more offset accounts are configured for this loan account.
        offsetAccountIds:
          type: array
          description: The _accountId_ values of the configured offset accounts attached to this loan. Only offset accounts that can be accessed under the current authorisation should be included. It is expected behaviour that _offsetAccountEnabled_ is set to `true` but the _offsetAccountIds_ field is absent or empty. This represents a situation where an offset account exists but details can not be accessed under the current authorisation.
          items:
            $ref: '#/components/schemas/BankingAccountId'
        repaymentType:
          type: string
          description: Option in place for repayments.
          enum:
          - INTEREST_ONLY
          - OTHER
          - PRINCIPAL_AND_INTEREST
          - UNCONSTRAINED
        repaymentFrequency:
          type: string
          description: The expected or required repayment frequency. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).
          x-cds-type: ExternalRef
    ResponseErrorListV2:
      type: object
      required:
      - errors
      properties:
        errors:
          description: List of errors.
          type: array
          items:
            $ref: '#/components/schemas/ErrorV2'
    BankingFeeDiscountAmount:
      type: object
      required:
      - amount
      properties:
        amount:
          type: string
          description: The specific amount discounted from the fee each time it is incurred.
          x-cds-type: AmountString
    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
    BankingProductDiscountV2:
      description: Note that the currency of the fee discount is expected to be the same as the currency of the fee itself.
      required:
      - description
      - discountType
      - discountMethodUType
      type: object
      properties:
        description:
          type: string
          description: Description of the discount.
        discountType:
          type: string
          description: The type of discount. For further details, refer to [Product Discount Types](#tocSproductdiscounttypedoc).
          enum:
          - BALANCE
          - DEPOSITS
          - ELIGIBILITY_ONLY
          - FEE_CAP
          - PAYMENTS
        discountMethodUType:
          type: string
          description: Reference to the applicable fee discount method structure.
          enum:
          - fixedAmount
          - rateBased
        fixedAmount:
          description: Mandatory if the _discountMethodUType_ value is `fixedAmount`. Where the discount is a specific amount.
          allOf:
          - $ref: '#/components/schemas/BankingFeeDiscountAmount'
        rateBased:
          description: Mandatory if the _discountMethodUType_ value is `rateBased`. Where the discount is based on a type of rate. Unless noted in _additionalInfo_, assumes the application and calculation frequency are the same as the corresponding fee.
          allOf:
          - $ref: '#/components/schemas/BankingFeeDiscountRate'
        additionalValue:
          type: string
          description: Generic field containing additional information relevant to the [_discountType_](#tocSproductdiscounttypedoc) specified. Whether mandatory or not is dependent on the value of [_discountType_](#tocSproductdiscounttypedoc).
        additionalInfo:
          type: string
          description: Display text providing more information on the discount.
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this discount.
          x-cds-type: URIString
        eligibility:
          type: array
          description: Eligibility constraints that apply to this discount. Mandatory if the [_discountType_](#tocSproductdiscounttypedoc) value is `ELIGIBILITY_ONLY`.
          items:
            $ref: '#/components/schemas/BankingProductDiscountEligibility'
      x-conditional:
      - fixedAmount
      - rateBased
      - additionalValue
      - eligibility
    BankingFeeDiscountRate:
      type: object
      required:
      - rateType
      - rate
      properties:
        rateType:
          type: string
          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
        rate:
          type: string
          x-cds-type: RateString
          description: The fee rate discount calculated according to the _rateType_.
        amountRange:
          $ref: '#/components/schemas/BankingFeeDiscountRange'
    BankingProductRateConditionV2:
      type: object
      description: Defines a condition for the applicability of a rate.
      properties:
        rateApplicabilityType:
          type: string
          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


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# Full source: https://raw.githubusercontent.com/api-evangelist/bcu-bank/refs/heads/main/openapi/bcu-bank-banking-accounts-api-openapi.yml