Defence Bank Banking Accounts API

openapi: 3.2.0
info:
  contact:
    email: contact@dsb.gov.au
    name: Data Standards Body
    url: https://dsb.gov.au/
  description: Specifications for resource endpoints applicable to data holders in the Banking sector.
  license:
    name: MIT License
    url: https://opensource.org/licenses/MIT
  title: CDR Banking Banking Account Balances Banking Accounts API
  version: 1.36.0
servers:
- description: MTLS
  url: https://mtls.dh.example.com/cds-au/v1
tags:
- description: Banking Account endpoints
  name: Banking Accounts
  x-shortName: Accounts
paths:
  /banking/accounts:
    get:
      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:
      - description: Used to filter results on the _productCategory_ field applicable to accounts. Any one of the valid values for this field can be supplied. If absent then all accounts returned.
        explode: true
        in: query
        name: product-category
        required: false
        schema:
          $ref: '#/components/schemas/BankingProductCategoryV2'
        style: form
      - description: Used to filter results according to open/closed status. Values can be `OPEN`, `CLOSED` or `ALL`. If absent then `ALL` is assumed.
        explode: true
        in: query
        name: open-status
        required: false
        schema:
          default: ALL
          enum:
          - ALL
          - CLOSED
          - OPEN
          type: string
        style: form
      - description: Filters accounts based on whether they are owned by the authorised customer. `true` for owned accounts, `false` for unowned accounts and absent for all accounts.
        explode: true
        in: query
        name: is-owned
        required: false
        schema:
          type: boolean
        style: form
      - description: Page of results to request (standard pagination).
        explode: true
        in: query
        name: page
        required: false
        schema:
          default: 1
          type: integer
        style: form
        x-cds-type: PositiveInteger
      - description: Page size to request. Default is 25 (standard pagination).
        explode: true
        in: query
        name: page-size
        required: false
        schema:
          default: 25
          type: integer
        style: form
        x-cds-type: PositiveInteger
      - 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).
        explode: false
        in: header
        name: x-v
        required: true
        schema:
          type: string
        style: simple
      - 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`.
        explode: false
        in: header
        name: x-min-v
        required: false
        schema:
          type: string
        style: simple
      - 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.
        explode: false
        in: header
        name: x-fapi-interaction-id
        required: false
        schema:
          type: string
        style: simple
      - 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.
        explode: false
        in: header
        name: x-fapi-auth-date
        required: false
        schema:
          type: string
        style: simple
        x-conditional: true
      - 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.
        explode: false
        in: header
        name: x-fapi-customer-ip-address
        required: false
        schema:
          type: string
        style: simple
      - 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.
        explode: false
        in: header
        name: x-cds-client-headers
        required: false
        schema:
          type: string
        style: simple
        x-conditional: true
        x-cds-type: Base64
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseBankingAccountListV3'
          description: Successful response
          headers:
            x-v:
              $ref: '#/components/headers/XV'
            x-fapi-interaction-id:
              $ref: '#/components/headers/XFAPIInteractionId'
        '400':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseErrorListV2'
          description: The following error codes **MUST** be supported:<br/><ul class="error-code-list"><li>[400 - Invalid Field](#error-400-field-invalid)</li><li>[400 - Missing Required Field](#error-400-field-missing)</li><li>[400 - Missing Required Header](#error-400-header-missing)</li><li>[400 - Invalid Version](#error-400-header-invalid-version)</li><li>[400 - Invalid Page Size](#error-400-field-invalid-page-size)</li></ul>
          headers:
            x-fapi-interaction-id:
              $ref: '#/components/headers/XFAPIInteractionId'
        '406':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseErrorListV2'
          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'
        '422':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseErrorListV2'
          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'
      summary: Get Accounts
      tags:
      - Banking Accounts
      x-scopes:
      - bank:accounts.basic:read
      x-version: '3'
  /banking/accounts/{accountId}:
    get:
      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:
      - description: The _accountId_ to obtain data for. _accountId_ values are returned by account list endpoints.
        explode: false
        in: path
        name: accountId
        required: true
        schema:
          $ref: '#/components/schemas/BankingAccountId'
        style: simple
      - 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).
        explode: false
        in: header
        name: x-v
        required: true
        schema:
          type: string
        style: simple
      - 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`.
        explode: false
        in: header
        name: x-min-v
        required: false
        schema:
          type: string
        style: simple
      - 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.
        explode: false
        in: header
        name: x-fapi-interaction-id
        required: false
        schema:
          type: string
        style: simple
      - 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.
        explode: false
        in: header
        name: x-fapi-auth-date
        required: false
        schema:
          type: string
        style: simple
        x-conditional: true
      - 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.
        explode: false
        in: header
        name: x-fapi-customer-ip-address
        required: false
        schema:
          type: string
        style: simple
      - 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.
        explode: false
        in: header
        name: x-cds-client-headers
        required: false
        schema:
          type: string
        style: simple
        x-conditional: true
        x-cds-type: Base64
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseBankingAccountByIdV5'
          description: Successful response
          headers:
            x-v:
              $ref: '#/components/headers/XV'
            x-fapi-interaction-id:
              $ref: '#/components/headers/XFAPIInteractionId'
        '400':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseErrorListV2'
          description: The following error codes **MUST** be supported:<br/><ul class="error-code-list"><li>[400 - Invalid Field](#error-400-field-invalid)</li><li>[400 - Missing Required Field](#error-400-field-missing)</li><li>[400 - Missing Required Header](#error-400-header-missing)</li><li>[400 - Invalid Version](#error-400-header-invalid-version)</li></ul>
          headers:
            x-fapi-interaction-id:
              $ref: '#/components/headers/XFAPIInteractionId'
        '404':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseErrorListV2'
          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'
        '406':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseErrorListV2'
          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'
      summary: Get Account Detail
      tags:
      - Banking Accounts
      x-scopes:
      - bank:accounts.detail:read
      x-version: '5'
components:
  schemas:
    BankingProductLendingRateV3:
      properties:
        lendingRateType:
          description: The type of rate (`FIXED`, `VARIABLE`, etc.) For further details, refer to [Product Lending Rate Types](#tocSproductlendingratetypedoc).
          enum:
          - BALANCE_TRANSFER
          - BUNDLE_DISCOUNT_FIXED
          - BUNDLE_DISCOUNT_VARIABLE
          - CASH_ADVANCE
          - DISCOUNT
          - FIXED
          - FLOATING
          - INTRODUCTORY
          - MARKET_LINKED
          - PENALTY
          - PURCHASE
          - VARIABLE
          example: FIXED
          type: string
        rate:
          description: The rate to be applied.
          type: string
          x-cds-type: RateString
        comparisonRate:
          description: A comparison rate equivalent for this rate.
          type: string
          x-cds-type: RateString
        calculationFrequency:
          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).
          type: string
          x-cds-type: ExternalRef
        applicationType:
          description: The type of approach used to apply the rate to the account.
          enum:
          - MATURITY
          - PERIODIC
          - UPFRONT
          example: PERIODIC
          type: string
        applicationFrequency:
          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`.
          type: string
          x-cds-type: ExternalRef
        interestPaymentDue:
          description: When loan payments are due to be paid within each period. The investment benefit of earlier payments affect the rate that can be offered.
          enum:
          - IN_ADVANCE
          - IN_ARREARS
          type: string
        repaymentType:
          description: Option in place for repayments.
          enum:
          - INTEREST_ONLY
          - OTHER
          - PRINCIPAL_AND_INTEREST
          - UNCONSTRAINED
          type: string
        loanPurpose:
          description: The reason for taking out the loan.
          enum:
          - INVESTMENT
          - OTHER
          - OWNER_OCCUPIED
          - UNCONSTRAINED
          type: string
        tiers:
          description: Qualifying criteria or conditions relevant to the associated rate.
          items:
            $ref: '#/components/schemas/BankingProductRateTierV4'
          type: array
        applicabilityConditions:
          description: Applicability conditions for the rate.
          items:
            $ref: '#/components/schemas/BankingProductRateConditionV2'
          type: array
        additionalValue:
          description: Generic field containing additional information relevant to the [_lendingRateType_](#tocSproductlendingratetypedoc) specified. Whether mandatory or not is dependent on the value of [_lendingRateType_](#tocSproductlendingratetypedoc).
          type: string
        additionalInfo:
          description: Display text providing more information on the rate.
          type: string
        additionalInfoUri:
          description: Link to a web page with more information on this rate.
          type: string
          x-cds-type: URIString
      required:
      - applicationType
      - lendingRateType
      - loanPurpose
      - rate
      - repaymentType
      type: object
      x-conditional:
      - additionalValue
      - applicationFrequency
    Meta:
      type: object
    BankingFeeDiscountRate:
      properties:
        rateType:
          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
          type: string
        rate:
          description: The fee rate discount calculated according to the _rateType_.
          type: string
          x-cds-type: RateString
        amountRange:
          $ref: '#/components/schemas/BankingFeeDiscountRange'
      required:
      - rate
      - rateType
      type: object
    BankingAccountDetailV5_allOf:
      properties:
        bsb:
          description: The unmasked BSB for the account. Is expected to be formatted as digits only with leading zeros included and no punctuation or spaces.
          type: string
        accountNumber:
          description: The unmasked account number for the account. Should not be supplied if the account number is a PAN requiring PCI compliance. Is expected to be formatted as digits only with leading zeros included and no punctuation or spaces.
          type: string
        bundleName:
          description: Optional field to indicate if this account is part of a bundle that is providing additional benefit to the customer.
          type: string
        instalments:
          $ref: '#/components/schemas/BankingProductInstalments'
        specificAccountUType:
          description: The type of structure to present account specific fields.
          enum:
          - creditCard
          - loan
          - termDeposit
          type: string
        termDeposit:
          description: Mandatory if the _specificAccountUType_ value is `termDeposit`.
          items:
            $ref: '#/components/schemas/BankingTermDepositAccount'
          type: array
        creditCard:
          allOf:
          - $ref: '#/components/schemas/BankingCreditCardAccount'
          description: Mandatory if the _specificAccountUType_ value is `creditCard`.
        loan:
          allOf:
          - $ref: '#/components/schemas/BankingLoanAccountV3'
          description: Mandatory if the _specificAccountUType_ value is `loan`.
        depositRate:
          description: Current rate to calculate interest earned being applied to deposit balances as it stands at the time of the API call.
          type: string
          x-cds-type: RateString
        lendingRate:
          description: The current rate to calculate interest payable being applied to lending balances as it stands at the time of the API call.
          type: string
          x-cds-type: RateString
        depositRates:
          description: Fully described deposit rates for this account based on the equivalent structure in Product Reference.
          items:
            $ref: '#/components/schemas/BankingProductDepositRateV2'
          type: array
        lendingRates:
          description: Fully described lending rates for this account based on the equivalent structure in Product Reference.
          items:
            $ref: '#/components/schemas/BankingProductLendingRateV3'
          type: array
        features:
          description: Array of features of the account based on the equivalent structure in Product Reference with the following additional field.
          items:
            allOf:
            - $ref: '#/components/schemas/BankingProductFeatureV4'
            - properties:
                isActivated:
                  default: UNKNOWN
                  description: <ul><li>`ACTIVATED` if the feature has been activated by the customer or is a standard feature of the product</li><li>`NOT_ACTIVATED` if the feature is not activated but is available for activation</li><li>`UNKNOWN` or absent if the activation state is unknown.</ul>**Note:** This is an additional field appended to the feature structure defined in the Product Reference payload.
                  enum:
                  - ACTIVATED
                  - NOT_ACTIVATED
                  - UNKNOWN
                  type: string
              type: object
            type: object
          type: array
        fees:
          description: Fees and charges applicable to the account based on the equivalent structure in Product Reference.
          items:
            $ref: '#/components/schemas/BankingProductFeeV2'
          type: array
        addresses:
          description: The addresses for the account to be used for correspondence.
          items:
            $ref: '#/components/schemas/CommonPhysicalAddress'
          type: array
      type: object
      x-conditional:
      - termDeposit
      - creditCard
      - loan
    BankingProductFeeV2:
      properties:
        name:
          description: Name of the fee.
          type: string
        feeType:
          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
          type: string
        feeMethodUType:
          description: Reference to the applicable fee charging method structure.
          enum:
          - fixedAmount
          - rateBased
          - variable
          type: string
        fixedAmount:
          allOf:
          - $ref: '#/components/schemas/BankingFeeAmount'
          description: Mandatory if the _feeMethodUType_ value is `fixedAmount`. Where the fee is a specific amount.
        rateBased:
          allOf:
          - $ref: '#/components/schemas/BankingFeeRate'
          description: Mandatory if the _feeMethodUType_ value is `rateBased`. Where the fee is based on a type of rate.
        variable:
          allOf:
          - $ref: '#/components/schemas/BankingFeeRange'
          description: Mandatory if the _feeMethodUType_ value is `variable`. Where the amount or rate may not be known until the fee is incurred.
        feeCap:
          description: The cap amount if multiple occurrences of the fee are capped to a limit.
          type: string
          x-cds-type: AmountString
        feeCapPeriod:
          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).
          type: string
          x-cds-type: ExternalRef
        currency:
          default: AUD
          description: The currency the fee will be charged in. Assumes `AUD` if absent.
          type: string
          x-cds-type: CurrencyString
        additionalValue:
          description: Generic field containing additional information relevant to the [_feeType_](#tocSproductfeetypedoc) specified. Whether mandatory or not is dependent on the value of [_feeType_](#tocSproductfeetypedoc).
          type: string
        additionalInfo:
          description: Display text providing more information on the fee. Mandatory if the [_feeType_](#tocSproductfeetypedoc) value is `OTHER`.
          type: string
        additionalInfoUri:
          description: Link to a web page with more information on this fee.
          type: string
          x-cds-type: URIString
        discounts:
          description: An optional list of discounts to this fee that may be available.
          items:
            $ref: '#/components/schemas/BankingProductDiscountV2'
          type: array
      required:
      - feeMethodUType
      - feeType
      - name
      type: object
      x-conditional:
      - fixedAmount
      - rateBased
      - variable
      - additionalValue
      - additionalInfo
    BankingProductFeatureV4:
      properties:
        featureType:
          description: The type of feature described. For further details, refer to [Product Feature Types](#tocSproductfeaturetypedoc).
          enum:
          - ADDITIONAL_CARDS
          - BALANCE_TRANSFERS
          - BILL_PAYMENT
          - BONUS_REWARDS
          - CARD_ACCESS
          - CASHBACK_OFFER
          - COMPLEMENTARY_PRODUCT_DISCOUNTS
          - EXTRA_DOWN_PAYMENT
          - DIGITAL_BANKING
          - DIGITAL_WALLET
          - DONATE_INTEREST
          - EXTRA_REPAYMENTS
          - FRAUD_PROTECTION
          - FREE_TXNS
          - FREE_TXNS_ALLOWANCE
          - FUNDS_AVAILABLE_AFTER
          - GUARANTOR
          - INSTALMENT_PLAN
          - INSURANCE
          - INTEREST_FREE
          - INTEREST_FREE_TRANSFERS
          - LOYALTY_PROGRAM
          - NOTIFICATIONS
          - NPP_ENABLED
          - NPP_PAYID
          - OFFSET
          - OTHER
          - OVERDRAFT
          - REDRAW
          - RELATIONSHIP_MANAGEMENT
          - UNLIMITED_TXNS
          type: string
        additionalValue:
          description: Generic field containing additional information relevant to the [_featureType_](#tocSproductfeaturetypedoc) specified. Whether mandatory or not is dependent on the value of the [_featureType_](#tocSproductfeaturetypedoc).
          type: string
        additionalInfo:
          description: Display text providing more information on the feature. Mandatory if the [_featureType_](#tocSproductfeaturetypedoc) value is `OTHER`.
          type: string
        additionalInfoUri:
          description: Link to a web page with more information on this feature.
          type: string
          x-cds-type: URIString
      required:
      - featureType
      type: object
      x-conditional:
      - additionalValue
      - additionalInfo
    BankingCreditCardAccount:
      properties:
        minPaymentAmount:
          description: The minimum payment amount due for the next card payment.
          type: string
          x-cds-type: AmountString
        paymentDueAmount:
          description: The amount due for the next card payment.
          type: string
          x-cds-type: AmountString
        paymentCurrency:
          default: AUD
          description: If absent assumes `AUD`.
          type: string
          x-cds-type: CurrencyString
        paymentDueDate:
          description: Date that the next payment for the card is due.
          type: string
          x-cds-type: DateString
      required:
      - minPaymentAmount
      - paymentDueAmount
      - paymentDueDate
      type: object
    BankingLoanAccountV3:
      properties:
        originalStartDate:
          description: Optional original start date for the loan.
          type: string
          x-cds-type: DateString
        originalLoanAmount:
          description: Optional original loan value.
          type: string
          x-cds-type: AmountString
        originalLoanCurrency:
          default: AUD
          description: If absent assumes `AUD`.
          type: string
          x-cds-type: CurrencyString
        loanEndDate:
          description: Date that the loan is due to be repaid in full.
          type: string
          x-cds-type: DateString
        nextInstalmentDate:
          description: Next date that an instalment is required.
          type: string
          x-cds-type: DateString
        minInstalmentAmount:
          description: Minimum amount of next instalment.
          type: string
          x-cds-type: AmountString
        minInstalmentCurrency:
          default: AUD
          description: If absent assumes `AUD`.
          type: string
          x-cds-type: CurrencyString
        maxRedraw:
          description: Maximum amount of funds that can be redrawn. If not present redraw is not available even if the feature exists for the account.
          type: string
          x-cds-type: AmountString
        maxRedrawCurrency:
          default: AUD
          description: If absent assumes `AUD`.
          type: string
          x-cds-type: CurrencyString
        minRedraw:
          description: Minimum redraw amount.
          type: string
          x-cds-type: AmountString
        minRedrawCurrency:
          default: AUD
          description: If absent assumes `AUD`.
          type: string
          x-cds-type: CurrencyString
        offsetAccountEnabled:
          description: Set to `true` if one or more offset accounts are configured for this loan account.
          type: boolean
        offsetAccountIds:
          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'
          type: array
        repaymentType:
          description: Option in place for repayments.
          enum:
          - INTEREST_ONLY
          - OTHER
          - PRINCIPAL_AND_INTEREST
          - UNCONSTRAINED
          type: string
        repaymentFrequency:
          description: The expected or required repayment frequency. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).
          type: string
          x-cds-type: ExternalRef
      required:
      - repaymentType
      type: object
    BankingAccountId:
      description: A unique identifier for a Banking account, generated according to [CDR ID Permanence](#id-permanence) requirements.
      type: string
      x-cds-type: ASCIIString
    CommonPhysicalAddress:
      properties:
        addressUType:
          description: The type of address object present.
          enum:
          - paf
          - simple
          type: string
        simple:
          $ref: '#/components/schemas/CommonSimpleAddress'
        paf:
          $ref: '#/components/schemas/CommonPAFAddress'
      required:
      - addressUType
      type: object
      x-conditional:
      - simple
      - paf
    BankingProductDiscountV2:
      description: Note that the currency of the fee discount is expected to be the same as the currency of the fee itself.
      properties:
        description:
          description: Description of the discount.
          type: string
        discountType:
          description: The type of discount. For further details, 

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