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OpenAPI Specification

openapi: 3.2.0
info:
  title: Opendata SME API
  description: Open Data API V2.2 for Danske Bank
  version: 4.3.3
  x-db-template-version: 1.0.0
servers:
- description: prod Environment
  url: https://obp-data.danskebank.com/v2.2
tags:
- name: SME
paths:
  /unsecured-sme-loans:
    get:
      tags:
      - SME
      summary: Gets a list of all Unsecured SME Lending objects
      description: Gets a list of all Unsecured SME Lending objects
      parameters:
      - name: If-Modified-Since
        in: query
        schema:
          type: string
      - name: If-None-Match
        in: query
        schema:
          type: string
      responses:
        '200':
          description: 200 OK
          content:
            application/prs.openbanking.opendata.v2.2+json:
              schema:
                $ref: '#/components/schemas/UnsecuredSmeLoansResponse'
              example:
                meta:
                  LastUpdated: 2025-08-11T16:00:20.201+0100
                  TotalResults: 1
                  Agreement: Use of the APIs and any related data will be subject to the terms of the Open Licence and subject to terms and conditions
                  License: https://www.openbanking.org.uk/open-licence
                  TermsOfUse: https://www.openbanking.org.uk/terms-conditions
                data:
                - BrandName: DanskeBank
                  SMELoan:
                  - Name: Variable Rate Business Loan
                    Identification: 43F
                    Segment:
                    - FlexibleBusinessLoan
                    SMELoanMarketingState:
                    - Identification: 43F
                      MarketingState: Regular
                      FirstMarketedDate: 01/01/1900
                      LastMarketedDate: 31/12/9999
                      LoanInterest:
                        LoanInterestTierBandSet:
                        - TierBandMethod: Whole
                          Identification: 43F-25K
                          CalculationMethod: Compound
                          LoanInterestTierBand:
                          - TierValueMinimum: '0'
                            TierValueMaximum: '5000'
                            TierValueMinTerm: 1
                            MinTermPeriod: Year
                            TierValueMaxTerm: 1
                            MaxTermPeriod: Year
                            FixedVariableInterestRateType: Variable
                            RepAPR: '17.00'
                            LoanProviderInterestRateType: BOEBaseRate
                            LoanProviderInterestRate: '11.00'
                            Notes:
                            - Total Cost of Credit 5428.91 GBP
                      Repayment:
                      - RepaymentType: CapitalAndInterest
                        RepaymentFrequency: Monthly
                        AmountType: CapitalAndInterest
                        RepaymentFeeCharges:
                          RepaymentFeeChargeDetail:
                          - FeeType: Arrangement
                            FeeAmount: '125'
                            ApplicationFrequency: OnOpening
                            CalculationFrequency: OnOpening
                      Eligibility:
                        IDEligibility:
                          Notes:
                          - Sole traders/Partnerships - both individuals and business name are id checked
                        CreditCheckEligibility:
                          ScoringType: Hard
                          Notes:
                          - Experian Credit Check
                      CoreProduct:
                        ProductDescription: The Variable Rate Business Loan gives you the flexibility to choose the repayment frequency and adjust the payments to suit your cash flow.££
                        ProductURL: https://danskebank.co.uk/business/products-and-services/loans-and-credit/variable-rate-business-loan
                        TcsAndCsURL: https://danskebank.co.uk/business
                        SalesAccessChannels:
                        - Branch
                        - RelationshipManager
                        ServicingAccessChannels:
                        - Branch
                        - CallCentre
                        - Post
                        EarlyPaymentFeeApplicable: false
                        OverPaymentFeeApplicable: false
                        LoanApplicationFeeChargeType: NoLoanApplicationFee
                        OverpaymentAllowedIndicator: true
                        FullEarlyRepaymentAllowedIndicator: true
        '400':
          description: Bad request
          content:
            application/prs.openbanking.opendata.v2.2+json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                status: error
                code: 400
                message: Bad request
                detail: You have sent a request which could not be understood
        '408':
          description: Client timeout
          content:
            application/prs.openbanking.opendata.v2.2+json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                status: error
                code: 408
                message: Client timeout
                detail: Your client has failed to submit a request, and a timeout has occurred
        '429':
          description: Too many requests
          content:
            application/prs.openbanking.opendata.v2.2+json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                status: error
                code: 429
                message: Too many requests
                detail: You have requested this resource too often, slow down
        '500':
          description: Internal Server Error
          content:
            application/prs.openbanking.opendata.v2.2+json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                status: error
                code: 500
                message: Internal Server Error
                detail: Failed to retrieve unsecured SME loans
        '503':
          description: Service temporarily unavailable
          content:
            application/prs.openbanking.opendata.v2.2+json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                status: error
                code: 503
                message: Service temporarily unavailable
                detail: The service is temporarily unavailable
    head:
      tags:
      - SME
      summary: Gets header information on the current set of Unsecured SME Lending data
      description: Gets header information on the current set of Unsecured SME Lending data
      parameters:
      - name: If-Modified-Since
        in: query
        schema:
          type: string
      - name: If-None-Match
        in: query
        schema:
          type: string
      responses:
        '200':
          description: 200 OK
          content:
            application/prs.openbanking.opendata.v2.2+json:
              schema:
                $ref: '#/components/schemas/UnsecuredSmeLoansResponse'
              example:
                meta:
                  LastUpdated: 2025-08-11T16:00:20.201+0100
                  TotalResults: 1
                  Agreement: Use of the APIs and any related data will be subject to the terms of the Open Licence and subject to terms and conditions
                  License: https://www.openbanking.org.uk/open-licence
                  TermsOfUse: https://www.openbanking.org.uk/terms-conditions
                data:
                - BrandName: DanskeBank
                  SMELoan:
                  - Name: Variable Rate Business Loan
                    Identification: 43F
                    Segment:
                    - FlexibleBusinessLoan
                    SMELoanMarketingState:
                    - Identification: 43F
                      MarketingState: Regular
                      FirstMarketedDate: 01/01/1900
                      LastMarketedDate: 31/12/9999
                      LoanInterest:
                        LoanInterestTierBandSet:
                        - TierBandMethod: Whole
                          Identification: 43F-25K
                          CalculationMethod: Compound
                          LoanInterestTierBand:
                          - TierValueMinimum: '0'
                            TierValueMaximum: '5000'
                            TierValueMinTerm: 1
                            MinTermPeriod: Year
                            TierValueMaxTerm: 1
                            MaxTermPeriod: Year
                            FixedVariableInterestRateType: Variable
                            RepAPR: '17.00'
                            LoanProviderInterestRateType: BOEBaseRate
                            LoanProviderInterestRate: '11.00'
                            Notes:
                            - Total Cost of Credit 5428.91 GBP
                      Repayment:
                      - RepaymentType: CapitalAndInterest
                        RepaymentFrequency: Monthly
                        AmountType: CapitalAndInterest
                        RepaymentFeeCharges:
                          RepaymentFeeChargeDetail:
                          - FeeType: Arrangement
                            FeeAmount: '125'
                            ApplicationFrequency: OnOpening
                            CalculationFrequency: OnOpening
                      Eligibility:
                        IDEligibility:
                          Notes:
                          - Sole traders/Partnerships - both individuals and business name are id checked
                        CreditCheckEligibility:
                          ScoringType: Hard
                          Notes:
                          - Experian Credit Check
                      CoreProduct:
                        ProductDescription: The Variable Rate Business Loan gives you the flexibility to choose the repayment frequency and adjust the payments to suit your cash flow.££
                        ProductURL: https://danskebank.co.uk/business/products-and-services/loans-and-credit/variable-rate-business-loan
                        TcsAndCsURL: https://danskebank.co.uk/business
                        SalesAccessChannels:
                        - Branch
                        - RelationshipManager
                        ServicingAccessChannels:
                        - Branch
                        - CallCentre
                        - Post
                        EarlyPaymentFeeApplicable: false
                        OverPaymentFeeApplicable: false
                        LoanApplicationFeeChargeType: NoLoanApplicationFee
                        OverpaymentAllowedIndicator: true
                        FullEarlyRepaymentAllowedIndicator: true
        '400':
          description: Bad request
          content:
            application/prs.openbanking.opendata.v2.2+json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                status: error
                code: 400
                message: Bad request
                detail: You have sent a request which could not be understood
        '408':
          description: Client timeout
          content:
            application/prs.openbanking.opendata.v2.2+json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                status: error
                code: 408
                message: Client timeout
                detail: Your client has failed to submit a request, and a timeout has occurred
        '429':
          description: Too many requests
          content:
            application/prs.openbanking.opendata.v2.2+json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                status: error
                code: 429
                message: Too many requests
                detail: You have requested this resource too often, slow down
        '500':
          description: Internal Server Error
          content:
            application/prs.openbanking.opendata.v2.2+json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                status: error
                code: 500
                message: Internal Server Error
                detail: Failed to retrieve unsecured SME loans (HEAD)
        '503':
          description: Service temporarily unavailable
          content:
            application/prs.openbanking.opendata.v2.2+json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              example:
                status: error
                code: 503
                message: Service temporarily unavailable
                detail: The service is temporarily unavailable
components:
  schemas:
    UnsecuredSmeLoansResponse:
      type: object
      properties:
        meta:
          $ref: '#/components/schemas/Meta'
        data:
          type: array
          items:
            type: object
            properties:
              BrandName:
                type: string
              SMELoan:
                type: array
                items:
                  type: object
                  properties:
                    Name:
                      type: string
                    Identification:
                      type: string
                    Segment:
                      type: array
                      items:
                        type: string
                    SMELoanMarketingState:
                      type: array
                      items:
                        type: object
                        properties:
                          Identification:
                            type: string
                          MarketingState:
                            type: string
                          FirstMarketedDate:
                            type: string
                          LastMarketedDate:
                            type: string
                          LoanInterest:
                            type: object
                            properties:
                              LoanInterestTierBandSet:
                                type: array
                                items:
                                  type: object
                                  properties:
                                    TierBandMethod:
                                      type: string
                                    Identification:
                                      type: string
                                    CalculationMethod:
                                      type: string
                                    LoanInterestTierBand:
                                      type: array
                                      items:
                                        type: object
                                        properties:
                                          TierValueMinimum:
                                            type: string
                                          TierValueMaximum:
                                            type: string
                                          TierValueMinTerm:
                                            type: integer
                                          MinTermPeriod:
                                            type: string
                                          TierValueMaxTerm:
                                            type: integer
                                          MaxTermPeriod:
                                            type: string
                                          FixedVariableInterestRateType:
                                            type: string
                                          RepAPR:
                                            type: string
                                          LoanProviderInterestRateType:
                                            type: string
                                          LoanProviderInterestRate:
                                            type: string
                                          Notes:
                                            type: array
                                            items:
                                              type: string
                          Repayment:
                            type: array
                            items:
                              type: object
                              properties:
                                RepaymentType:
                                  type: string
                                RepaymentFrequency:
                                  type: string
                                AmountType:
                                  type: string
                                RepaymentFeeCharges:
                                  type: object
                                  properties:
                                    RepaymentFeeChargeDetail:
                                      type: array
                                      items:
                                        type: object
                                        properties:
                                          FeeType:
                                            type: string
                                          FeeAmount:
                                            type: string
                                          ApplicationFrequency:
                                            type: string
                                          CalculationFrequency:
                                            type: string
                          Eligibility:
                            type: object
                            properties:
                              IDEligibility:
                                type: object
                                properties:
                                  Notes:
                                    type: array
                                    items:
                                      type: string
                              CreditCheckEligibility:
                                type: object
                                properties:
                                  ScoringType:
                                    type: string
                                  Notes:
                                    type: array
                                    items:
                                      type: string
                          CoreProduct:
                            type: object
                            properties:
                              ProductDescription:
                                type: string
                              ProductURL:
                                type: string
                                format: uri
                              TcsAndCsURL:
                                type: string
                                format: uri
                              SalesAccessChannels:
                                type: array
                                items:
                                  type: string
                              ServicingAccessChannels:
                                type: array
                                items:
                                  type: string
                              EarlyPaymentFeeApplicable:
                                type: boolean
                              OverPaymentFeeApplicable:
                                type: boolean
                              LoanApplicationFeeChargeType:
                                type: string
                              OverpaymentAllowedIndicator:
                                type: boolean
                              FullEarlyRepaymentAllowedIndicator:
                                type: boolean
      required:
      - meta
      - data
    ErrorResponse:
      type: object
      properties:
        status:
          type: string
        code:
          type: integer
        message:
          type: string
        detail:
          type: string
      required:
      - status
      - code
      - message
      - detail
    Meta:
      type: object
      properties:
        LastUpdated:
          type: string
          format: date-time
        TotalResults:
          type: integer
        Agreement:
          type: string
        License:
          type: string
          format: uri
        TermsOfUse:
          type: string
          format: uri
  securitySchemes:
    clientIdHeader:
      type: apiKey
      name: X-IBM-Client-Id
      in: header
    clientSecretHeader:
      type: apiKey
      description: BC2702Z
      name: X-IBM-Client-Secret
      in: header