OBIE Read/Write Confirmation of Funds (CBPII) API for first direct accounts, exposed through HSBC's developer platform. FAPI-secured with OAuth2/OIDC, mutual-TLS and PSD2 strong customer authentication; requires FCA/TPP onboarding and OBIE/eIDAS certificates. OpenAPI pointer is the shared OBIE Read/Write standard, not a first-direct-proprietary contract.
openapi: 3.0.0
info:
title: Confirmation of Funds API Specification
description: |
Swagger for Confirmation of Funds API Specification.
**Please Note**: There are no optional fields, if a field is not marked as “Required” it is a Conditional field.
termsOfService: https://www.openbanking.org.uk/terms
contact:
name: Service Desk
email: ServiceDesk@openbanking.org.uk
license:
name: open-licence
url: https://www.openbanking.org.uk/open-licence
version: 4.0.1
paths:
/funds-confirmation-consents:
post:
tags:
- Funds Confirmation Consents
summary: Create a Funds Confirmation Consent
description: Enables a CBPII to ask an ASPSP to create a new funds-confirmation-consent resource, by sending a copy of the consent to the ASPSP.
operationId: CreateFundsConfirmationConsents
parameters:
- $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/Authorization'
- $ref: '#/components/parameters/x-customer-user-agent'
- $ref: '#/components/parameters/x-client-id'
requestBody:
content:
application/json:
schema:
$ref: '#/components/schemas/OBFundsConfirmationConsent1'
description: Default
required: true
responses:
'201':
$ref: '#/components/responses/201FundsConfirmationConsentsCreated'
'400':
$ref: '#/components/responses/400Error'
'401':
$ref: '#/components/responses/401Error'
'403':
$ref: '#/components/responses/403Error'
'405':
$ref: '#/components/responses/405Error'
'406':
$ref: '#/components/responses/406Error'
'415':
$ref: '#/components/responses/415Error'
'429':
$ref: '#/components/responses/429Error'
'500':
$ref: '#/components/responses/500Error'
security:
- TPPOAuth2Security:
- fundsconfirmations
/funds-confirmation-consents/{ConsentId}:
get:
tags:
- Funds Confirmation Consents
summary: Get a Funds Confirmation Consent
description: Enables a CBPII to retrieve the status of a Funds Confirmation Consent resource.
operationId: GetFundsConfirmationConsentsConsentId
parameters:
- $ref: '#/components/parameters/ConsentId'
- $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/Authorization'
- $ref: '#/components/parameters/x-customer-user-agent'
- $ref: '#/components/parameters/x-client-id'
responses:
'200':
$ref: '#/components/responses/200FundsConfirmationConsentsConsentIdRead'
'400':
$ref: '#/components/responses/400Error'
'401':
$ref: '#/components/responses/401Error'
'403':
$ref: '#/components/responses/403Error'
'405':
$ref: '#/components/responses/405Error'
'406':
$ref: '#/components/responses/406Error'
'429':
$ref: '#/components/responses/429Error'
'500':
$ref: '#/components/responses/500Error'
security:
- TPPOAuth2Security:
- fundsconfirmations
delete:
tags:
- Funds Confirmation Consents
summary: Delete a Funds Confirmation Consent
description: Enables a CBPII to inform the PSU’s ASPSP that the PSU has revoked their consent to provide funds confirmations.
operationId: DeleteFundsConfirmationConsentsConsentId
parameters:
- $ref: '#/components/parameters/ConsentId'
- $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/Authorization'
- $ref: '#/components/parameters/x-customer-user-agent'
- $ref: '#/components/parameters/x-client-id'
responses:
'204':
$ref: '#/components/responses/204FundsConfirmationConsentsConsentIdDeleted'
'400':
$ref: '#/components/responses/400Error'
'401':
$ref: '#/components/responses/401Error'
'403':
$ref: '#/components/responses/403Error'
'405':
$ref: '#/components/responses/405Error'
'406':
$ref: '#/components/responses/406Error'
'429':
$ref: '#/components/responses/429Error'
'500':
$ref: '#/components/responses/500Error'
security:
- TPPOAuth2Security:
- fundsconfirmations
/funds-confirmations:
post:
tags:
- Funds Confirmations
summary: Create a Funds Confirmation Request
description: Enables a CBPII to check whether a PSU has sufficient available funds for a CBPII transaction.
operationId: CreateFundsConfirmations
parameters:
- $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/Authorization'
- $ref: '#/components/parameters/x-customer-user-agent'
- $ref: '#/components/parameters/x-client-id'
requestBody:
content:
application/json:
schema:
$ref: '#/components/schemas/OBFundsConfirmation1'
description: Default
required: true
responses:
'201':
$ref: '#/components/responses/201FundsConfirmationsCreated'
'400':
$ref: '#/components/responses/400Error'
'401':
$ref: '#/components/responses/401Error'
'403':
$ref: '#/components/responses/403Error'
'405':
$ref: '#/components/responses/405Error'
'406':
$ref: '#/components/responses/406Error'
'415':
$ref: '#/components/responses/415Error'
'429':
$ref: '#/components/responses/429Error'
'500':
$ref: '#/components/responses/500Error'
security:
- PSUOAuth2Security:
- fundsconfirmations
servers:
- url: /open-banking/v4.0/cbpii
components:
parameters:
ConsentId:
name: ConsentId
in: path
description: ConsentId
required: true
schema:
type: string
Authorization:
in: header
name: Authorization
required: true
description: An Authorisation Token as per https://tools.ietf.org/html/rfc6750
schema:
type: string
x-customer-user-agent:
in: header
name: x-customer-user-agent
description: Indicates the user-agent that the PSU is using.
required: false
schema:
type: string
x-fapi-customer-ip-address:
in: header
name: x-fapi-customer-ip-address
required: false
description: The PSU's IP address if the PSU is currently logged in with the TPP.
schema:
type: string
x-fapi-auth-date:
in: header
name: x-fapi-auth-date
required: false
description: >-
The time when the PSU last logged in with the TPP.
All dates in the HTTP headers are represented as RFC 7231 Full Dates. An
example is below:
Sun, 10 Sep 2017 19:43:31 UTC
schema:
type: string
pattern: '^(Mon|Tue|Wed|Thu|Fri|Sat|Sun), \d{2} (Jan|Feb|Mar|Apr|May|Jun|Jul|Aug|Sep|Oct|Nov|Dec) \d{4} \d{2}:\d{2}:\d{2} (GMT|UTC)$'
x-fapi-interaction-id:
in: header
name: x-fapi-interaction-id
required: false
description: An RFC4122 UID used as a correlation id.
schema:
type: string
x-idempotency-key:
name: x-idempotency-key
in: header
description: |
Every request will be processed only once per x-idempotency-key. The
Idempotency Key will be valid for 24 hours.
required: true
schema:
type: string
maxLength: 40
pattern: '^(?!\s)(.*)(\S)$'
x-jws-signature:
in: header
name: x-jws-signature
required: true
description: A detached JWS signature of the body of the payload.
schema:
type: string
x-client-id:
in: header
name: x-client-id
required: false
description: |
Only used if an ASPSP requires the client ID in order to return rate limit headers.
TPPs __must__ refer to ASPSP developer portals for further information on any rate limit policies, if the headers are supported and any additional requirements.
This header __must not__ be used for client authentication
schema:
type: string
headers:
RateLimit-Policy:
required: false
description: |
TPPs __must__ refer to ASPSP developer portals for further information on any rate limit policies, if the headers are supported and any additional requirements.
A non-empty list of Quota Policy Items. The Item value __MUST__ be a String.
Example:
`RateLimit-Policy: "default";q=100;w=10`
The **REQUIRED** "q" parameter indicates the quota allocated by this policy measured in quota units.
The **OPTIONAL** "w" parameter value conveys a time window.
schema:
type: string
RateLimit:
required: false
description: |
TPPs __must__ refer to ASPSP developer portals for further information on any rate limit policies, if the headers are supported and any additional requirements.
A server uses the "RateLimit" response header field to communicate the current service limit for a quota policy for a particular partition key.
Example:
`RateLimit: "default";r=50;t=30`
The **REQUIRED** "r" parameter value conveys the remaining quota units for the identified policy.
The **OPTIONAL** "t" parameter value conveys the time window reset time for the identified policy.
schema:
type: string
responses:
201FundsConfirmationConsentsCreated:
description: Funds Confirmation Consent Created
headers:
x-fapi-interaction-id:
required: true
description: An RFC4122 UID used as a correlation id.
schema:
type: string
RateLimit-Policy:
$ref: '#/components/headers/RateLimit-Policy'
RateLimit:
$ref: '#/components/headers/RateLimit'
content:
application/json; charset=utf-8:
schema:
$ref: '#/components/schemas/OBFundsConfirmationConsentResponse1'
application/json:
schema:
$ref: '#/components/schemas/OBFundsConfirmationConsentResponse1'
application/jose+jwe:
schema:
$ref: '#/components/schemas/OBFundsConfirmationConsentResponse1'
200FundsConfirmationConsentsConsentIdRead:
description: Funds Confirmation Consent Read
headers:
x-fapi-interaction-id:
required: true
description: An RFC4122 UID used as a correlation id.
schema:
type: string
RateLimit-Policy:
$ref: '#/components/headers/RateLimit-Policy'
RateLimit:
$ref: '#/components/headers/RateLimit'
content:
application/json; charset=utf-8:
schema:
$ref: '#/components/schemas/OBFundsConfirmationConsentResponse1'
application/json:
schema:
$ref: '#/components/schemas/OBFundsConfirmationConsentResponse1'
application/jose+jwe:
schema:
$ref: '#/components/schemas/OBFundsConfirmationConsentResponse1'
204FundsConfirmationConsentsConsentIdDeleted:
description: Funds Confirmation Consent Deleted
headers:
x-fapi-interaction-id:
required: true
description: An RFC4122 UID used as a correlation id.
schema:
type: string
RateLimit-Policy:
$ref: '#/components/headers/RateLimit-Policy'
RateLimit:
$ref: '#/components/headers/RateLimit'
201FundsConfirmationsCreated:
description: Funds Confirmation Created
headers:
x-fapi-interaction-id:
required: true
description: An RFC4122 UID used as a correlation id.
schema:
type: string
RateLimit-Policy:
$ref: '#/components/headers/RateLimit-Policy'
RateLimit:
$ref: '#/components/headers/RateLimit'
content:
application/json; charset=utf-8:
schema:
$ref: '#/components/schemas/OBFundsConfirmationResponse1'
application/json:
schema:
$ref: '#/components/schemas/OBFundsConfirmationResponse1'
application/jose+jwe:
schema:
$ref: '#/components/schemas/OBFundsConfirmationResponse1'
400Error:
description: Bad request
headers:
x-fapi-interaction-id:
required: true
description: An RFC4122 UID used as a correlation id.
schema:
type: string
content:
application/json; charset=utf-8:
schema:
$ref: '#/components/schemas/OBErrorResponse1'
application/json:
schema:
$ref: '#/components/schemas/OBErrorResponse1'
application/jose+jwe:
schema:
$ref: '#/components/schemas/OBErrorResponse1'
401Error:
description: Unauthorized
headers:
x-fapi-interaction-id:
required: true
description: An RFC4122 UID used as a correlation id.
schema:
type: string
403Error:
description: Forbidden
headers:
x-fapi-interaction-id:
required: true
description: An RFC4122 UID used as a correlation id.
schema:
type: string
content:
application/json; charset=utf-8:
schema:
$ref: '#/components/schemas/OBErrorResponse1'
application/json:
schema:
$ref: '#/components/schemas/OBErrorResponse1'
application/jose+jwe:
schema:
$ref: '#/components/schemas/OBErrorResponse1'
404Error:
description: Not found
headers:
x-fapi-interaction-id:
required: true
description: An RFC4122 UID used as a correlation id.
schema:
type: string
405Error:
description: Method Not Allowed
headers:
x-fapi-interaction-id:
required: true
description: An RFC4122 UID used as a correlation id.
schema:
type: string
406Error:
description: Not Acceptable
headers:
x-fapi-interaction-id:
required: true
description: An RFC4122 UID used as a correlation id.
schema:
type: string
415Error:
description: Unsupported Media Type
headers:
x-fapi-interaction-id:
required: true
description: An RFC4122 UID used as a correlation id.
schema:
type: string
429Error:
description: Too Many Requests
headers:
Retry-After:
description: Number in seconds to wait
schema:
type: integer
x-fapi-interaction-id:
description: An RFC4122 UID used as a correlation id.
schema:
type: string
500Error:
description: Internal Server Error
headers:
x-fapi-interaction-id:
required: true
description: An RFC4122 UID used as a correlation id.
schema:
type: string
content:
application/json; charset=utf-8:
schema:
$ref: '#/components/schemas/OBErrorResponse1'
application/json:
schema:
$ref: '#/components/schemas/OBErrorResponse1'
application/jose+jwe:
schema:
$ref: '#/components/schemas/OBErrorResponse1'
securitySchemes:
TPPOAuth2Security:
type: oauth2
description: TPP client credential authorisation flow with the ASPSP
flows:
clientCredentials:
tokenUrl: https://authserver.example/token
scopes:
fundsconfirmations: Funds confirmation entitlement
PSUOAuth2Security:
type: oauth2
description: >-
OAuth flow, it is required when the PSU needs to perform SCA with the
ASPSP when a TPP wants to access an ASPSP resource owned by the PSU
flows:
authorizationCode:
authorizationUrl: https://authserver.example/authorization
tokenUrl: https://authserver.example/token
scopes:
fundsconfirmations: Funds confirmation entitlement
schemas:
Identification_0:
description: >-
Identification assigned by an institution to identify an account. This
identification is known by the account owner.
type: string
minLength: 1
maxLength: 256
OBProxy1:
description: >-
Specifies an alternate assumed name for the identification of the
account.
type: object
required:
- Identification
- Code
properties:
Identification:
description: >-
Identification used to indicate the account identification under
another specified name.
type: string
minLength: 1
maxLength: 2048
Code:
$ref: '#/components/schemas/ExternalProxyAccountType1Code'
Type:
type: string
description: Type of the proxy identification.
minLength: 1
maxLength: 35
ExternalProxyAccountType1Code:
description: >-
Specifies the external proxy account type code, as published in the
proxy account type external code set.<br > For a full list of values refer to
`ExternalProxyAccountType1Code` in *ISO_External_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets)
type: string
enum:
- TELE
- EMAL
- DNAM
- CINC
- COTX
- COID
- CUST
- DRLC
- EIDN
- EWAL
- PVTX
- LEIC
- MBNO
- NIDN
- CCPT
- SHID
- SOSE
- TOKN
- UBIL
- VIPN
- BIID
ISODateTime:
description: >-
All dates in the JSON payloads are represented in ISO 8601 date-time
format.
All date-time fields in responses must include the timezone. An example
is below:
2017-04-05T10:43:07+00:00
type: string
format: date-time
Links:
type: object
description: Links relevant to the payload
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
additionalProperties: false
required:
- Self
Meta:
title: MetaData
type: object
description: Meta Data relevant to the payload
properties:
TotalPages:
type: integer
format: int32
FirstAvailableDateTime:
$ref: '#/components/schemas/ISODateTime'
LastAvailableDateTime:
$ref: '#/components/schemas/ISODateTime'
additionalProperties: false
OBError1:
type: object
properties:
ErrorCode:
$ref: '#/components/schemas/OBExternalStatusReason1Code'
Message:
description: >-
A description of the error that occurred. e.g., 'A mandatory field
isn't supplied' or 'RequestedExecutionDateTime must be in future'
OBL doesn't standardise this field
type: string
minLength: 1
maxLength: 500
Path:
description: >-
Recommended but optional reference to the JSON Path of the field
with error, e.g., Data.Initiation.InstructedAmount.Currency
type: string
minLength: 1
maxLength: 500
Url:
description: >-
URL to help remediate the problem, or provide more information, or
to API Reference, or help etc
type: string
required:
- ErrorCode
additionalProperties: false
minProperties: 1
OBErrorResponse1:
description: >-
An array of detail error codes, and messages, and URLs to documentation
to help remediation.
type: object
properties:
Id:
description: >-
A unique reference for the error instance, for audit purposes, in
case of unknown/unclassified errors.
type: string
minLength: 1
maxLength: 40
Code:
description: >-
Deprecated <br>High level textual error code, to help categorise the
errors.
type: string
minLength: 1
example: 400 BadRequest
maxLength: 40
Message:
description: Deprecated <br>Brief Error message
type: string
minLength: 1
example: There is something wrong with the request parameters provided
maxLength: 500
Errors:
items:
$ref: '#/components/schemas/OBError1'
type: array
minItems: 1
required:
- Errors
additionalProperties: false
OBFundsConfirmation1:
type: object
required:
- Data
properties:
Data:
type: object
required:
- ConsentId
- Reference
- InstructedAmount
properties:
ConsentId:
description: >-
Unique identification as assigned by the ASPSP to uniquely
identify the funds confirmation consent resource.
type: string
minLength: 1
maxLength: 128
Reference:
description: >-
Unique reference, as assigned by the CBPII, to unambiguously
refer to the request related to the payment transaction.
type: string
minLength: 1
maxLength: 35
InstructedAmount:
type: object
required:
- Amount
- Currency
description: >-
Amount of money to be confirmed as available funds in the debtor
account. Contains an Amount and a Currency.
properties:
Amount:
description: >-
A number of monetary units specified in an active currency
where the unit of currency is explicit and compliant with
ISO 4217.
type: string
pattern: '^\d{1,13}$|^\d{1,13}\.\d{1,5}$'
Currency:
description: >-
A code allocated to a currency by a Maintenance Agency under
an international identification scheme, as described in the
latest edition of the international standard ISO 4217 "Codes
for the representation of currencies and funds".
type: string
pattern: '^[A-Z]{3,3}$'
additionalProperties: false
OBFundsConfirmationConsent1:
type: object
required:
- Data
properties:
Data:
type: object
required:
- DebtorAccount
properties:
ExpirationDateTime:
description: >-
Specified date and time the funds confirmation authorisation
will expire.
If this is not populated, the authorisation will be open ended. All dates in the JSON payloads are represented in ISO 8601 date-time format.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
type: string
format: date-time
DebtorAccount:
type: object
required:
- SchemeName
- Identification
description: >-
Unambiguous identification of the account of the debtor to which
a confirmation of funds consent will be applied.
properties:
SchemeName:
description: >-
Name of the identification scheme, in a coded form as
published in an external list. For a full list of values see `OBInternalAccountIdentification4Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets)
type: string
x-namespaced-enum:
- UK.OBIE.BBAN
- UK.OBIE.IBAN
- UK.OBIE.PAN
- UK.OBIE.Paym
- UK.OBIE.SortCodeAccountNumber
- UK.OBIE.Wallet
Identification:
description: >-
Identification assigned by an institution to identify an
account. This identification is known by the account owner.
type: string
minLength: 1
maxLength: 256
Name:
description: >-
Name of the account, as assigned by the account servicing
institution.
Usage: The account name is the name or names of the account
owner(s) represented at an account level. The account name
is not the product name or the nickname of the account.
type: string
minLength: 1
maxLength: 350
SecondaryIdentification:
description: >-
This is secondary identification of the account, as assigned
by the account servicing institution.
This can be used by building societies to additionally
identify accounts with a roll number (in addition to a sort
code and account number combination).
type: string
minLength: 1
maxLength: 34
Proxy:
$ref: '#/components/schemas/OBProxy1'
additionalProperties: false
OBFundsConfirmationConsentResponse1:
type: object
required:
- Data
properties:
Data:
type: object
required:
- ConsentId
- CreationDateTime
- Status
- StatusUpdateDateTime
- DebtorAccount
properties:
ConsentId:
description: >-
Unique identification as assigned to identify the funds
confirmation consent resource.
type: string
minLength: 1
maxLength: 128
CreationDateTime:
description: >-
Date and time at which the resource was created. All dates in the
JSON payloads are represented in ISO 8601 date-time format.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
type: string
format: date-time
Status:
$ref: '#/components/schemas/OBInternalConsentStatus1Code'
StatusReason:
type: array
items:
$ref: '#/components/schemas/OBStatusReason'
StatusUpdateDateTime:
description: >-
Date and time at which the resource status was updated. All dates
in the JSON payloads are represented in ISO 8601 date-time
format.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
type: string
format: date-time
ExpirationDateTime:
description: >-
Specified date and time the funds confirmation authorisation
will expire.
If this is not populated, the authorisation will be open
ended. All dates in the JSON payloads are represented in ISO 8601
date-time format.
All date-time fields in responses must include the timezone. An
example is below:
2017-04-05T10:43:07+00:00
type: string
format: date-time
DebtorAccount:
type: object
required:
- SchemeName
- Identification
description: >-
Unambiguous identification of the account of the debtor to which
a confirmation of funds consent will be applied.
properties:
SchemeName:
description: >-
Name of the identification scheme, in a coded form as
published in an external list. For a full list of values refer to `OBInternalAccountIdentification4Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets)
type: string
x-namespaced-enum:
- UK.OBIE.BBAN
- UK.OBIE.IBAN
- UK.OBIE.PAN
- UK.OBIE.Paym
- UK.OBIE.SortCodeAccountNumber
- UK.OBIE.Wallet
Identification:
description: >-
Identification assigned by an institution to identify an
account. This identification is known by the account owner.
type: string
minLength: 1
maxLength: 256
Name:
description: >-
Name of the account, as assigned by the account servicing
institution.
Usage: The account name is the name or names of the account
owner(s) represented at an account level. The account name
is not the product name or the nickname of the account.
type: string
minLength: 1
maxLength: 350
SecondaryIdentification:
description: >-
This is secondary identification of the account, as assigned
by the account servicing institution.
This can be used by building societies to additionally
identify accounts with a roll number (in addition to a sort
code and account number combination).
type: string
minLength: 1
maxLength: 34
Proxy:
$ref: '#/components/schemas/OBProxy1'
Links:
$ref: '#/components/schemas/Links'
Meta:
$ref: '#/components/schemas/Meta'
additionalProperties: false
OBInternalConsentStatus1Code:
description: Specifies the status of consent resource in code form. For a full list of values refer to `OBInternalConsentStatus1Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets)
type: string
enum:
- AWAU
- RJCT
- AUTH
- CANC
- EXPD
OBFundsConfirmationResponse1:
type: object
required:
- Data
properties:
Data:
type: object
required:
- FundsConfirmationId
- ConsentId
- CreationDateTime
- FundsAvailable
- Reference
- InstructedAmount
properties:
FundsConfirmationId:
# --- truncated at 32 KB (35 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/first-direct/refs/heads/main/openapi/obie-confirmation-funds-openapi.yaml