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openapi: 3.2.0
info:
title: Account and Transaction - UK OB Products API
description: Retrieve account details and transaction information.
version: 4.0.0
servers:
- description: prod Environment
url: https://obp-api.danskebank.com/open-banking/v4.0/aisp
tags:
- name: Products
paths:
/accounts/{AccountId}/product:
get:
tags:
- Products
summary: Get Products
operationId: GetAccountsAccountIdProduct
security:
- BearerAuth: []
parameters:
- $ref: '#/components/parameters/AccountId'
- $ref: '#/components/parameters/x-fapi-auth-date'
- $ref: '#/components/parameters/x-fapi-customer-ip-address'
- $ref: '#/components/parameters/x-fapi-interaction-id'
- $ref: '#/components/parameters/x-customer-user-agent'
responses:
'200':
$ref: '#/components/responses/200AccountsAccountIdProductRead'
'400':
$ref: '#/components/responses/400Error'
'401':
$ref: '#/components/responses/401Error'
'403':
$ref: '#/components/responses/403Error'
'404':
$ref: '#/components/responses/404Error'
'405':
$ref: '#/components/responses/405Error'
'406':
$ref: '#/components/responses/406Error'
'429':
$ref: '#/components/responses/429Error'
'500':
$ref: '#/components/responses/500Error'
'503':
$ref: '#/components/responses/503Error'
components:
schemas:
OB_FeeCategory1Code:
description: Categorisation of fees and charges into standard categories.
type: string
enum:
- FCOT
- FCRE
- FCSV
OB_Amount1_1:
description: Every additional tranche of an overdraft balance to which an overdraft fee is applied
type: string
pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
OB_Amount1_4:
description: Cap amount charged for a fee/charge (where it is charged in terms of an amount rather than a rate)
type: string
pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
OB_Amount1_2:
description: Amount charged for an overdraft fee/charge (where it is charged in terms of an amount rather than a rate)
type: string
pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
Number_0:
description: Indicates whether the advertised overdraft rate is guaranteed to be offered to a borrower by the bank e.g. if it's part of a government scheme, or whether the rate may vary dependent on the applicant's circumstances.
type: integer
OB_InterestCalculationMethod1Code:
description: Methods of calculating interest
type: string
enum:
- ITCO
- ITOT
- ITSI
OB_OtherCodeType1_6:
description: Other application frequencies not covered in the standard code list
type: object
additionalProperties: false
required:
- Name
- Description
properties:
Code:
$ref: '#/components/schemas/OB_CodeMnemonic'
Name:
$ref: '#/components/schemas/Name_4'
Description:
$ref: '#/components/schemas/Description_3'
Links:
description: Links relevant to the payload
type: object
additionalProperties: false
required:
- Self
properties:
Self:
type: string
format: uri
First:
type: string
format: uri
Prev:
type: string
format: uri
Next:
type: string
format: uri
Last:
type: string
format: uri
Number_1:
description: fee/charges are captured dependent on the number of occurrences rather than capped at a particular amount
type: integer
OBPCAData1:
title: PCA
type: object
additionalProperties: false
properties:
ProductDetails:
title: ProductDetails
type: object
additionalProperties: false
properties:
Segment:
title: Segment
description: 'Market segmentation is a marketing term referring to the aggregating of prospective buyers into groups, or segments, that have common needs and respond similarly to a marketing action. Market segmentation enables companies to target different categories of consumers who perceive the full value of certain products and services differently from one another. Read more: Market Segmentation http://www.investopedia.com/terms/m/marketsegmentation.asp#ixzz4gfEEalTd With respect to PCA products, they are segmented in relation to different markets that they wish to focus on.
'
type: array
items:
description: 'Market segmentation is a marketing term referring to the aggregating of prospective buyers into groups, or segments, that have common needs and respond similarly to a marketing action. Market segmentation enables companies to target different categories of consumers who perceive the full value of certain products and services differently from one another. Read more: Market Segmentation http://www.investopedia.com/terms/m/marketsegmentation.asp#ixzz4gfEEalTd With respect to PCA products, they are segmented in relation to different markets that they wish to focus on.
'
type: string
enum:
- Basic
- BenefitAndReward
- CreditInterest
- Cashback
- General
- Graduate
- Other
- Overdraft
- Packaged
- Premium
- Reward
- Student
- YoungAdult
- Youth
MonthlyMaximumCharge:
title: MonthlyMaximumCharge
description: The maximum relevant charges that could accrue as defined fully in Part 7 of the CMA order
type: string
pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
Notes:
title: Notes
description: Optional additional notes to supplement the Core product details
type: array
items:
description: maxLength 2000 text
type: string
minLength: 1
maxLength: 2000
CreditInterest:
title: CreditInterest
description: Details about the interest that may be payable to the PCA account holders
type: object
additionalProperties: false
required:
- TierBandSet
properties:
TierBandSet:
title: TierBandSet
description: The group of tiers or bands for which credit interest can be applied.
type: array
minItems: 1
items:
description: The group of tiers or bands for which credit interest can be applied.
type: object
properties:
TierBandMethod:
title: TierBandMethod
description: 'The methodology of how credit interest is charged. It can be: 1. Banded Interest rates are banded. i.e. Increasing rate on whole balance as balance increases. 2. Tiered Interest rates are tiered. i.e. increasing rate for each tier as balance increases, but interest paid on tier fixed for that tier and not on whole balance. 3. Whole The same interest rate is applied irrespective of the PCA balance
'
type: string
enum:
- Tiered
- Whole
CalculationMethod:
title: CalculationMethod
description: Methods of calculating interest
type: string
enum:
- Compound
- SimpleInterest
Destination:
title: Destination
description: Describes whether accrued interest is payable only to the PCA or to another bank account
type: string
enum:
- PayAway
- SelfCredit
Notes:
title: Notes
description: Optional additional notes to supplement the Tier Band Set details
type: array
items:
description: maxLength 2000 text
type: string
minLength: 1
maxLength: 2000
TierBand:
title: TierBand
description: Tier Band Details
type: array
minItems: 1
items:
description: Tier Band Details
type: object
properties:
Identification:
title: Identification
description: Unique and unambiguous identification of a Tier Band for a PCA.
type: string
minLength: 1
maxLength: 35
TierValueMinimum:
title: TierValueMinimum
description: Minimum deposit value for which the credit interest tier applies.
type: string
pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
TierValueMaximum:
title: TierValueMaximum
description: Maximum deposit value for which the credit interest tier applies.
type: string
pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
CalculationFrequency:
title: CalculationFrequency
description: How often is credit interest calculated for the account.
type: string
enum:
- PerAcademicTerm
- Daily
- HalfYearly
- Monthly
- Other
- Quarterly
- PerStatementDate
- Weekly
- Yearly
ApplicationFrequency:
title: ApplicationFrequency
description: How often is interest applied to the PCA for this tier/band i.e. how often the financial institution pays accumulated interest to the customer's PCA.
type: string
enum:
- PerAcademicTerm
- Daily
- HalfYearly
- Monthly
- Other
- Quarterly
- PerStatementDate
- Weekly
- Yearly
DepositInterestAppliedCoverage:
title: DepositInterestAppliedCoverage
description: Amount on which Interest applied.
type: string
enum:
- Tiered
- Whole
FixedVariableInterestRateType:
title: FixedVariableInterestRateType
description: Type of interest rate, Fixed or Variable
type: string
enum:
- Fixed
- Variable
AER:
title: AER
description: 'The annual equivalent rate (AER) is interest that is calculated under the assumption that any interest paid is combined with the original balance and the next interest payment will be based on the slightly higher account balance. Overall, this means that interest can be compounded several times in a year depending on the number of times that interest payments are made. Read more: Annual Equivalent Rate (AER) http://www.investopedia.com/terms/a/aer.asp#ixzz4gfR7IO1A
'
type: string
pattern: ^(-?\d{1,3}){1}(\.\d{1,4}){0,1}$
BankInterestRateType:
title: BankInterestRateType
description: Interest rate types, other than AER, which financial institutions may use to describe the annual interest rate payable to the PCA.
type: string
enum:
- LinkedBaseRate
- Gross
- Net
- Other
BankInterestRate:
title: BankInterestRate
description: Bank Interest for the PCA product
type: string
pattern: ^(-?\d{1,3}){1}(\.\d{1,4}){0,1}$
Notes:
title: Notes
description: Optional additional notes to supplement the Tier Band details
type: array
items:
description: maxLength 2000 text
type: string
minLength: 1
maxLength: 2000
OtherBankInterestType:
title: OtherBankInterestType
description: Other interest rate types which are not available in the standard code list
type: object
additionalProperties: false
required:
- Name
- Description
properties:
Code:
title: Code
description: The four letter Mnemonic used within an XML file to identify a code
type: string
pattern: ^\w{0,4}$
minLength: 0
maxLength: 4
Name:
title: Name
description: Long name associated with the code
type: string
minLength: 1
maxLength: 70
Description:
title: Description
description: Description to describe the purpose of the code
type: string
minLength: 1
maxLength: 350
OtherApplicationFrequency:
title: OtherApplicationFrequency
description: Other application frequencies that are not available in the standard code list
type: object
additionalProperties: false
required:
- Name
- Description
properties:
Code:
title: Code
description: The four letter Mnemonic used within an XML file to identify a code
type: string
pattern: ^\w{0,4}$
minLength: 0
maxLength: 4
Name:
title: Name
description: Long name associated with the code
type: string
minLength: 1
maxLength: 70
Description:
title: Description
description: Description to describe the purpose of the code
type: string
minLength: 1
maxLength: 350
OtherCalculationFrequency:
title: OtherCalculationFrequency
description: Other calculation frequency which is not available in the standard code set.
type: object
additionalProperties: false
required:
- Name
- Description
properties:
Code:
title: Code
description: The four letter Mnemonic used within an XML file to identify a code
type: string
pattern: ^\w{0,4}$
minLength: 0
maxLength: 4
Name:
title: Name
description: Long name associated with the code
type: string
minLength: 1
maxLength: 70
Description:
title: Description
description: Description to describe the purpose of the code
type: string
minLength: 1
maxLength: 350
required:
- TierValueMinimum
- ApplicationFrequency
- FixedVariableInterestRateType
- AER
required:
- TierBandMethod
- TierBand
Overdraft:
title: Overdraft
description: Details about Overdraft rates, fees & charges
type: object
additionalProperties: false
required:
- OverdraftTierBandSet
properties:
Notes:
title: Notes
description: Associated Notes about the overdraft rates
type: array
items:
description: maxLength 2000 text
type: string
minLength: 1
maxLength: 2000
OverdraftTierBandSet:
title: OverdraftTierBandSet
description: Tier band set details
type: array
minItems: 1
items:
description: Tier band set details
type: object
properties:
TierBandMethod:
title: TierBandMethod
description: 'The methodology of how overdraft is charged. It can be: ''Whole'' Where the same charge/rate is applied to the entirety of the overdraft balance (where charges are applicable). ''Tiered'' Where different charges/rates are applied dependent on overdraft maximum and minimum balance amount tiers defined by the lending financial organisation. ''Banded'' Where different charges/rates are applied dependent on overdraft maximum and minimum balance amount bands defined by a government organisation.
'
type: string
enum:
- Tiered
- Whole
- Banded
OverdraftType:
title: OverdraftType
description: An overdraft can either be 'committed' which means that the facility cannot be withdrawn without reasonable notification before it's agreed end date, or 'on demand' which means that the financial institution can demand repayment at any point in time.
type: string
enum:
- Committed
- OnDemand
- Other
Identification:
title: Identification
description: Unique and unambiguous identification of a Tier Band for a overdraft product.
type: string
minLength: 1
maxLength: 35
AuthorisedIndicator:
title: AuthorisedIndicator
description: Indicates if the Overdraft is authorised (Y) or unauthorised (N)
type: boolean
BufferAmount:
title: BufferAmount
description: 'When a customer exceeds their credit limit, a financial institution will not charge the customer unauthorised overdraft charges if they do not exceed by more than the buffer amount. Note: Authorised overdraft charges may still apply.'
type: string
pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
Notes:
title: Notes
description: Optional additional notes to supplement the overdraft Tier Band Set details
type: array
items:
description: maxLength 2000 text
type: string
minLength: 1
maxLength: 2000
OverdraftTierBand:
title: OverdraftTierBand
description: Provides overdraft details for a specific tier or band
type: array
minItems: 1
items:
description: Provides overdraft details for a specific tier or band
type: object
properties:
Identification:
title: Identification
description: Unique and unambiguous identification of a Tier Band for a overdraft.
type: string
minLength: 1
maxLength: 35
TierValueMin:
title: TierValueMin
description: Minimum value of Overdraft Tier/Band
type: string
pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
TierValueMax:
title: TierValueMax
description: Maximum value of Overdraft Tier/Band
type: string
pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
OverdraftInterestChargingCoverage:
title: OverdraftInterestChargingCoverage
description: Interest charged on whole amount or tiered/banded
type: string
enum:
- Tiered
- Whole
BankGuaranteedIndicator:
title: BankGuaranteedIndicator
description: Indicates that a bank provides the overdraft limit up to TierValueMIn to all customers automatically
type: boolean
EAR:
title: EAR
description: 'EAR means Effective Annual Rate and/or Equivalent Annual Rate (frequently used interchangeably), being the actual annual interest rate of an Overdraft.
'
type: string
pattern: ^(-?\d{1,3}){1}(\.\d{1,4}){0,1}$
RepresentativeAPR:
title: RepresentativeAPR
description: An annual percentage rate (APR) is the annual rate charged for borrowing or earned through an investment. APR is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan. This includes any fees or additional costs associated with the transaction but does not take compounding into account.
type: string
pattern: ^(-?\d{1,3}){1}(\.\d{1,4}){0,1}$
Notes:
title: Notes
description: Optional additional notes to supplement the Tier/band details
type: array
items:
description: maxLength 2000 text
type: string
minLength: 1
maxLength: 2000
OverdraftFeesCharges:
title: OverdraftFeesCharges
description: Overdraft fees and charges
type: array
items:
description: Overdraft fees and charges
type: object
properties:
OverdraftFeeChargeCap:
title: OverdraftFeeChargeCap
description: Details about any caps (maximum charges) that apply to a particular fee/charge
type: array
items:
description: Details about any caps (maximum charges) that apply to a particular fee/charge
type: object
properties:
FeeType:
title: FeeType
description: Fee/charge type which is being capped
type: array
minItems: 1
items:
description: Overdraft fee type
type: string
enum:
- ArrangedOverdraft
- EmergencyBorrowing
- BorrowingItem
- OverdraftRenewal
- AnnualReview
- OverdraftSetup
- Surcharge
- TempOverdraft
- UnauthorisedBorrowing
- UnauthorisedPaidTrans
- Other
- UnauthorisedUnpaidTrans
OverdraftControlIndicator:
title: OverdraftControlIndicator
description: Specifies for the overdraft control feature/benefit
type: boolean
MinMaxType:
title: MinMaxType
description: Indicates that this is the minimum/ maximum fee/charge that can be applied by the financial institution
type: string
enum:
- Minimum
- Maximum
FeeCapOccurrence:
title: FeeCapOccurrence
description: fee/charges are captured dependent on the number of occurrences rather than capped at a particular amount
type: number
format: float
FeeCapAmount:
title: FeeCapAmount
description: Cap amount charged for a fee/charge
type: string
pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
CappingPeriod:
title: CappingPeriod
description: Period e.g. day, week, month etc. for which the fee/charge is capped
type: string
enum:
- AcademicTerm
- Day
- Half Year
- Month
- Quarter
- Week
- Year
Notes:
title: Notes
description: Notes related to Overdraft fee charge cap
type: array
items:
description: maxLength 2000 text
type: string
minLength: 1
maxLength: 2000
OtherFeeType:
title: OtherFeeType
description: Other fee type code which is not available in the standard code set
type: array
items:
description: Other fee type code which is not available in the standard code set
type: object
properties:
Code:
title: Code
description: The four letter Mnemonic used within an XML file to identify a code
type: string
pattern: ^\w{0,4}$
minLength: 0
maxLength: 4
Name:
title: Name
description: Long name associated with the code
type: string
minLength: 1
maxLength: 70
Description:
title: Description
description: Description to describe the purpose of the code
type: string
minLength: 1
maxLength: 350
required:
- Name
- Description
required:
- FeeType
- MinMaxType
OverdraftFeeChargeDetail:
title: OverdraftFeeChargeDetail
description: Details about the fees/charges
type: array
minItems: 1
items:
description: Details about the fees/charges
type: object
properties:
FeeType:
title: FeeType
description: Overdraft fee type
type: string
enum:
- ArrangedOverdraft
# --- truncated at 32 KB (305 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/danske-bank-uk/refs/heads/main/openapi/danske-bank-uk-products-api-openapi.yml