ING Australia Banking Accounts API

openapi: 3.2.0
info:
  title: CDR Banking Banking Account Balances Banking Accounts API
  version: 1.36.0
  description: Specifications for resource endpoints applicable to data holders in the Banking sector.
  license:
    name: MIT License
    url: https://opensource.org/licenses/MIT
  contact:
    name: Data Standards Body
    email: contact@dsb.gov.au
    url: https://dsb.gov.au/
servers:
- description: MTLS
  url: https://mtls.dh.example.com/cds-au/v1
tags:
- name: Banking Accounts
  x-shortName: Accounts
  description: Banking Account endpoints
paths:
  /banking/accounts:
    get:
      tags:
      - Banking Accounts
      summary: Get Accounts
      description: 'Obtain a list of accounts.


        Obsolete versions: [v1](includes/obsolete/get-accounts-v1.html), [v2](includes/obsolete/get-accounts-v2.html).'
      operationId: listBankingAccounts
      parameters:
      - $ref: '#/components/parameters/QueryBankingProductCategory'
      - $ref: '#/components/parameters/QueryBankingAccountOpenStatus'
      - $ref: '#/components/parameters/QueryBankingAccountIsOwned'
      - $ref: '#/components/parameters/QueryPage'
      - $ref: '#/components/parameters/QueryPageSize'
      - $ref: '#/components/parameters/HeaderXV'
      - $ref: '#/components/parameters/HeaderXMinV'
      - $ref: '#/components/parameters/HeaderXFAPIInteractionId'
      - $ref: '#/components/parameters/HeaderXFAPIAuthDate'
      - $ref: '#/components/parameters/HeaderXFAPICustomerIPAddress'
      - $ref: '#/components/parameters/HeaderXCDSClientHeaders'
      responses:
        '200':
          $ref: '#/components/responses/ListBankingAccounts200'
        '400':
          $ref: '#/components/responses/ListBankingAccounts400'
        '406':
          $ref: '#/components/responses/ListBankingAccounts406'
        '422':
          $ref: '#/components/responses/ListBankingAccounts422'
      x-scopes:
      - bank:accounts.basic:read
      x-version: '3'
  /banking/accounts/{accountId}:
    get:
      tags:
      - Banking Accounts
      summary: Get Account Detail
      description: 'Obtain detailed information on a single account.


        Obsolete versions: [v1](includes/obsolete/get-account-detail-v1.html), [v2](includes/obsolete/get-account-detail-v2.html), [v3](includes/obsolete/get-account-detail-v3.html), [v4](includes/obsolete/get-account-detail-v4.html).'
      operationId: getBankingAccountDetail
      parameters:
      - $ref: '#/components/parameters/PathAccountId'
      - $ref: '#/components/parameters/HeaderXV'
      - $ref: '#/components/parameters/HeaderXMinV'
      - $ref: '#/components/parameters/HeaderXFAPIInteractionId'
      - $ref: '#/components/parameters/HeaderXFAPIAuthDate'
      - $ref: '#/components/parameters/HeaderXFAPICustomerIPAddress'
      - $ref: '#/components/parameters/HeaderXCDSClientHeaders'
      responses:
        '200':
          $ref: '#/components/responses/GetBankingAccountDetail200'
        '400':
          $ref: '#/components/responses/GetBankingAccountDetail400'
        '404':
          $ref: '#/components/responses/GetBankingAccountDetail404'
        '406':
          $ref: '#/components/responses/GetBankingAccountDetail406'
      x-scopes:
      - bank:accounts.detail:read
      x-version: '5'
components:
  parameters:
    QueryBankingProductCategory:
      name: product-category
      in: query
      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.
      schema:
        $ref: '#/components/schemas/BankingProductCategoryV2'
    QueryPageSize:
      name: page-size
      in: query
      description: Page size to request. Default is 25 (standard pagination).
      schema:
        type: integer
        default: 25
      x-cds-type: PositiveInteger
    HeaderXFAPIAuthDate:
      name: x-fapi-auth-date
      in: header
      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.
      schema:
        type: string
      x-conditional: true
    QueryBankingAccountOpenStatus:
      name: open-status
      in: query
      description: Used to filter results according to open/closed status. Values can be `OPEN`, `CLOSED` or `ALL`. If absent then `ALL` is assumed.
      schema:
        type: string
        default: ALL
        enum:
        - ALL
        - CLOSED
        - OPEN
    HeaderXMinV:
      name: x-min-v
      in: header
      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`.
      schema:
        type: string
    QueryPage:
      name: page
      in: query
      description: Page of results to request (standard pagination).
      schema:
        type: integer
        default: 1
      x-cds-type: PositiveInteger
    PathAccountId:
      name: accountId
      in: path
      description: The _accountId_ to obtain data for. _accountId_ values are returned by account list endpoints.
      required: true
      schema:
        $ref: '#/components/schemas/BankingAccountId'
    HeaderXFAPIInteractionId:
      name: x-fapi-interaction-id
      in: header
      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.
      schema:
        type: string
    HeaderXV:
      name: x-v
      in: header
      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).
      required: true
      schema:
        type: string
    QueryBankingAccountIsOwned:
      name: is-owned
      in: query
      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.
      schema:
        type: boolean
    HeaderXCDSClientHeaders:
      name: x-cds-client-headers
      in: header
      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.
      schema:
        type: string
      x-conditional: true
      x-cds-type: Base64
    HeaderXFAPICustomerIPAddress:
      name: x-fapi-customer-ip-address
      in: header
      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.
      schema:
        type: string
  responses:
    ListBankingAccounts400:
      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'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    ListBankingAccounts422:
      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'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    ListBankingAccounts406:
      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'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    GetBankingAccountDetail404:
      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'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    GetBankingAccountDetail406:
      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'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    ListBankingAccounts200:
      description: Successful response
      headers:
        x-v:
          $ref: '#/components/headers/XV'
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseBankingAccountListV3'
    GetBankingAccountDetail400:
      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'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseErrorListV2'
    GetBankingAccountDetail200:
      description: Successful response
      headers:
        x-v:
          $ref: '#/components/headers/XV'
        x-fapi-interaction-id:
          $ref: '#/components/headers/XFAPIInteractionId'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ResponseBankingAccountByIdV5'
  schemas:
    BankingFeeAmount:
      type: object
      required:
      - amount
      properties:
        amount:
          type: string
          description: The specific amount charged for the fee each time it is incurred.
          x-cds-type: AmountString
    BankingLoanAccountV3:
      required:
      - repaymentType
      type: object
      properties:
        originalStartDate:
          type: string
          description: Optional original start date for the loan.
          x-cds-type: DateString
        originalLoanAmount:
          type: string
          description: Optional original loan value.
          x-cds-type: AmountString
        originalLoanCurrency:
          type: string
          description: If absent assumes `AUD`.
          default: AUD
          x-cds-type: CurrencyString
        loanEndDate:
          type: string
          description: Date that the loan is due to be repaid in full.
          x-cds-type: DateString
        nextInstalmentDate:
          type: string
          description: Next date that an instalment is required.
          x-cds-type: DateString
        minInstalmentAmount:
          type: string
          description: Minimum amount of next instalment.
          x-cds-type: AmountString
        minInstalmentCurrency:
          type: string
          description: If absent assumes `AUD`.
          default: AUD
          x-cds-type: CurrencyString
        maxRedraw:
          type: string
          description: Maximum amount of funds that can be redrawn. If not present redraw is not available even if the feature exists for the account.
          x-cds-type: AmountString
        maxRedrawCurrency:
          type: string
          description: If absent assumes `AUD`.
          default: AUD
          x-cds-type: CurrencyString
        minRedraw:
          type: string
          description: Minimum redraw amount.
          x-cds-type: AmountString
        minRedrawCurrency:
          type: string
          description: If absent assumes `AUD`.
          default: AUD
          x-cds-type: CurrencyString
        offsetAccountEnabled:
          type: boolean
          description: Set to `true` if one or more offset accounts are configured for this loan account.
        offsetAccountIds:
          type: array
          description: The _accountId_ values of the configured offset accounts attached to this loan. Only offset accounts that can be accessed under the current authorisation should be included. It is expected behaviour that _offsetAccountEnabled_ is set to `true` but the _offsetAccountIds_ field is absent or empty. This represents a situation where an offset account exists but details can not be accessed under the current authorisation.
          items:
            $ref: '#/components/schemas/BankingAccountId'
        repaymentType:
          type: string
          description: Option in place for repayments.
          enum:
          - INTEREST_ONLY
          - OTHER
          - PRINCIPAL_AND_INTEREST
          - UNCONSTRAINED
        repaymentFrequency:
          type: string
          description: The expected or required repayment frequency. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).
          x-cds-type: ExternalRef
    BankingProductDiscountV2:
      description: Note that the currency of the fee discount is expected to be the same as the currency of the fee itself.
      required:
      - description
      - discountType
      - discountMethodUType
      type: object
      properties:
        description:
          type: string
          description: Description of the discount.
        discountType:
          type: string
          description: The type of discount. For further details, refer to [Product Discount Types](#tocSproductdiscounttypedoc).
          enum:
          - BALANCE
          - DEPOSITS
          - ELIGIBILITY_ONLY
          - FEE_CAP
          - PAYMENTS
        discountMethodUType:
          type: string
          description: Reference to the applicable fee discount method structure.
          enum:
          - fixedAmount
          - rateBased
        fixedAmount:
          description: Mandatory if the _discountMethodUType_ value is `fixedAmount`. Where the discount is a specific amount.
          allOf:
          - $ref: '#/components/schemas/BankingFeeDiscountAmount'
        rateBased:
          description: Mandatory if the _discountMethodUType_ value is `rateBased`. Where the discount is based on a type of rate. Unless noted in _additionalInfo_, assumes the application and calculation frequency are the same as the corresponding fee.
          allOf:
          - $ref: '#/components/schemas/BankingFeeDiscountRate'
        additionalValue:
          type: string
          description: Generic field containing additional information relevant to the [_discountType_](#tocSproductdiscounttypedoc) specified. Whether mandatory or not is dependent on the value of [_discountType_](#tocSproductdiscounttypedoc).
        additionalInfo:
          type: string
          description: Display text providing more information on the discount.
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this discount.
          x-cds-type: URIString
        eligibility:
          type: array
          description: Eligibility constraints that apply to this discount. Mandatory if the [_discountType_](#tocSproductdiscounttypedoc) value is `ELIGIBILITY_ONLY`.
          items:
            $ref: '#/components/schemas/BankingProductDiscountEligibility'
      x-conditional:
      - fixedAmount
      - rateBased
      - additionalValue
      - eligibility
    BankingFeeDiscountAmount:
      type: object
      required:
      - amount
      properties:
        amount:
          type: string
          description: The specific amount discounted from the fee each time it is incurred.
          x-cds-type: AmountString
    BankingProductCategoryV2:
      type: string
      description: The category to which a product or account belongs. See [here](#product-categories) for more details.
      enum:
      - BUSINESS_LOANS
      - BUY_NOW_PAY_LATER
      - CRED_AND_CHRG_CARDS
      - LEASES
      - MARGIN_LOANS
      - OVERDRAFTS
      - PERS_LOANS
      - REGULATED_TRUST_ACCOUNTS
      - RESIDENTIAL_MORTGAGES
      - TERM_DEPOSITS
      - TRADE_FINANCE
      - TRANS_AND_SAVINGS_ACCOUNTS
      - TRAVEL_CARDS
    ResponseBankingAccountByIdV5:
      required:
      - data
      - links
      type: object
      properties:
        data:
          $ref: '#/components/schemas/BankingAccountDetailV5'
        links:
          $ref: '#/components/schemas/Links'
        meta:
          $ref: '#/components/schemas/Meta'
    BankingProductRateConditionV2:
      type: object
      description: Defines a condition for the applicability of a rate.
      properties:
        rateApplicabilityType:
          type: string
          description: Category of applicability condition associated with the rate. For more information refer to [Rate and Tier Applicability Types](#tocSbankingproductrateconditiondoc).
          enum:
          - MIN_DEPOSITS
          - MIN_DEPOSIT_AMOUNT
          - DEPOSIT_BALANCE_INCREASED
          - EXISTING_CUST
          - NEW_ACCOUNTS
          - NEW_CUSTOMER
          - NEW_CUSTOMER_TO_GROUP
          - ONLINE_ONLY
          - OTHER
          - MIN_PURCHASES
          - MAX_WITHDRAWALS
          - MAX_WITHDRAWAL_AMOUNT
          example: NEW_CUSTOMER
        additionalValue:
          type: string
          description: Generic field containing additional information relevant to the _rateApplicabilityType_ specified. Whether mandatory or not is dependent on the value of [_rateApplicabilityType_](#tocSbankingproductrateconditiondoc).
        additionalInfo:
          type: string
          description: Display text providing more information on the condition. Mandatory if the [_rateApplicabilityType_](#tocSbankingproductrateconditiondoc) value is `OTHER`.
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this condition.
          x-cds-type: URIString
      required:
      - rateApplicabilityType
      x-conditional:
      - additionalValue
      - additionalInfo
    BankingTermDepositAccount:
      required:
      - lodgementDate
      - maturityDate
      - maturityInstructions
      type: object
      properties:
        lodgementDate:
          type: string
          description: The lodgement date of the original deposit.
          x-cds-type: DateString
        maturityDate:
          type: string
          description: Maturity date for the term deposit.
          x-cds-type: DateString
        maturityAmount:
          type: string
          description: Amount to be paid upon maturity. If absent it implies the amount to paid is variable and cannot currently be calculated.
          x-cds-type: AmountString
        maturityCurrency:
          type: string
          description: If absent assumes `AUD`.
          default: AUD
          x-cds-type: CurrencyString
        maturityInstructions:
          type: string
          description: Current instructions on action to be taken at maturity. This includes default actions that may be specified in the terms and conditions for the product e.g., roll-over to the same term and frequency of interest payments.
          enum:
          - HOLD_ON_MATURITY
          - PAID_OUT_AT_MATURITY
          - ROLLED_OVER
    BankingFeeRange:
      type: object
      description: A minimum or maximum fee amount where a specific fixed amount is not known until the fee is incurred.
      properties:
        feeMinimum:
          type: string
          description: The minimum fee that will be charged per occurrence.
          x-cds-type: AmountString
        feeMaximum:
          type: string
          description: The maximum fee that will be charged per occurrence.
          x-cds-type: AmountString
    ResponseErrorListV2:
      type: object
      required:
      - errors
      properties:
        errors:
          description: List of errors.
          type: array
          items:
            $ref: '#/components/schemas/ErrorV2'
    BankingProductDiscountEligibility:
      required:
      - discountEligibilityType
      type: object
      properties:
        discountEligibilityType:
          type: string
          description: The type of the specific eligibility constraint for a discount. For further details, refer to [Product Discount Eligibility Types](#tocSproductdiscounteligibilitydoc).
          enum:
          - BUSINESS
          - EMPLOYMENT_STATUS
          - INTRODUCTORY
          - MAX_AGE
          - MIN_AGE
          - MIN_INCOME
          - MIN_TURNOVER
          - NATURAL_PERSON
          - OTHER
          - PENSION_RECIPIENT
          - RESIDENCY_STATUS
          - STAFF
          - STUDENT
        additionalValue:
          type: string
          description: Generic field containing additional information relevant to the [_discountEligibilityType_](#tocSproductdiscounteligibilitydoc) specified. Whether mandatory or not is dependent on the value of [_discountEligibilityType_](#tocSproductdiscounteligibilitydoc).
        additionalInfo:
          type: string
          description: Display text providing more information on this eligibility constraint. Mandatory if the [_discountEligibilityType_](#tocSproductdiscounteligibilitydoc) value is `OTHER`.
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this eligibility constraint.
          x-cds-type: URIString
      x-conditional:
      - additionalInfo
      - additionalValue
    BankingProductDepositRateV2:
      required:
      - depositRateType
      - rate
      - applicationType
      type: object
      properties:
        depositRateType:
          type: string
          description: The type of rate (`FIXED`, `VARIABLE`, `BONUS`, etc.) For further details, refer to [Product Deposit Rate Types](#tocSproductdepositratetypedoc).
          enum:
          - BONUS
          - BUNDLE_BONUS
          - FIXED
          - FLOATING
          - INTRODUCTORY
          - MARKET_LINKED
          - VARIABLE
          example: VARIABLE
        rate:
          type: string
          description: The rate to be applied.
          x-cds-type: RateString
        calculationFrequency:
          type: string
          description: The period after which the rate is applied to the balance to calculate the amount due for the period. Calculation of the amount is often daily (as balances may change) but accumulated until the total amount is 'applied' to the account (see _applicationFrequency_). Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).
          x-cds-type: ExternalRef
        applicationType:
          type: string
          description: The type of approach used to apply the rate to the account.
          enum:
          - MATURITY
          - PERIODIC
          - UPFRONT
          example: PERIODIC
        applicationFrequency:
          type: string
          description: The period after which the calculated amount(s) (see _calculationFrequency_) are 'applied' (i.e. debited or credited) to the account. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax). Mandatory if the _applicationType_ value is `PERIODIC`.
          x-cds-type: ExternalRef
        tiers:
          type: array
          description: Qualifying criteria or conditions relevant to the associated rate.
          items:
            $ref: '#/components/schemas/BankingProductRateTierV4'
        applicabilityConditions:
          type: array
          description: Applicability conditions for the rate.
          items:
            $ref: '#/components/schemas/BankingProductRateConditionV2'
        additionalValue:
          type: string
          description: Generic field containing additional information relevant to the [_depositRateType_](#tocSproductdepositratetypedoc) specified. Whether mandatory or not is dependent on the value of [_depositRateType_](#tocSproductdepositratetypedoc).
        additionalInfo:
          type: string
          description: Display text providing more information on the rate.
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this rate.
          x-cds-type: URIString
      x-conditional:
      - additionalValue
      - applicationFrequency
    BankingProductInstalments:
      description: Details of instalment features on the account.
      required:
      - minimumSplit
      - maximumSplit
      type: object
      properties:
        maximumConcurrentPlans:
          type: integer
          description: Maximum number of concurrent active instalment plans that may be created on the account. If `null`, there is no predetermined maximum number.
          x-cds-type: NaturalNumber
        instalmentsLimit:
          type: string
          description: Maximum combined limit of all instalment plans that may be created on the account. If `null` or not present, an opened account balance _creditLimit_ may be assumed to provide a maximum limit for instalments.
          x-cds-type: AmountString
        minimumPlanValue:
          type: string
          description: Minimum value that can be opened as an instalment plan.
          x-cds-type: AmountString
        maximumPlanValue:
          type: string
          description: Maximum value that can be opened as an instalment plan. If `null` or not present, _instalmentsLimit_ is assumed to be the maximum individual plan value.
          x-cds-type: AmountString
        minimumSplit:
          type: integer
          description: Minimum number of instalment payments a plan can be created with.
          x-cds-type: PositiveInteger
          example: 4
        maximumSplit:
          type: integer
          description: Maximum number of instalment payments a plan can be created with.
          x-cds-type: PositiveInteger
          example: 4
    LinksPaginated:
      required:
      - self
      type: object
      properties:
        self:
          type: string
          description: Fully qualified link that generated the current response document.
          x-cds-type: URIString
        first:
          type: string
          description: URI to the first page of this set. Mandatory if this response is not the first page.
          x-cds-type: URIString
        prev:
          type: string
          description: URI to the previous page of this set. Mandatory if this response is not the first page.
          x-cds-type: URIString
        next:
          type: string
          description: URI to the next page of this set. Mandatory if this response is not the last page.
          x-cds-type: URIString
        last:
          type: string
          description: URI to the last page of this set. Mandatory if this response is not the last page.
          x-cds-type: URIString
      x-conditional:
      - prev
      - next
      - first
      - last
    BankingAccountDetailV5:
      allOf:
      - $ref: '#/components/schemas/BankingAccountV3'
      - type: object
        properties:
          bsb:
            type: string
            description: The unmasked BSB for the account. Is expected to be formatted as digits only with leading zeros included and no punctuation or spaces.
          accountNumber:
            type: string
            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.
          bundleName:
            type: string
            description: Optional field to indicate if this account is part of a bundle that is providing additional benefit to the customer.
          instalments:
            $ref: '#/components/schemas/BankingProductInstalments'
          specificAccountUType:
            type: string
            description: The type of structure to present account specific fields.
            enum:
            - creditCard
            - loan
            - termDeposit
          termDeposit:
            type: array
            description: Mandatory if the _specificAccountUType_ value is `termDeposit`.
            items:
              $ref: '#/components/schemas/BankingTermDepositAccount'
          creditCard:
            description: Mandatory if the _specificAccountUType_ value is `creditCard`.
            allOf:
            - $ref: '#/components/schemas/BankingCreditCardAccount'
          loan:
            description: Mandatory if the _specificAccountUType_ value is `loan`.
            allOf:
            - $ref: '#/components/schemas/BankingLoanAccountV3'
          depositRate:
            type: string
            description: Current rate to calculate interest earned being applied to deposit balances as it stands at the time of the API call.
            x-cds-type: RateString
          lendingRate:
            type: string
            description: The current rate to calculate interest payable being applied to lending balances as it stands at the time of the API call.
            x-cds-type: RateString
          depositRates:
            type: array
            description: Fully described deposit rates for this account based on the equivalent structure in Product Reference.
            items:
              $ref: '#/components/schemas/BankingProductDepositRateV2'
          lendingRates:
            type: array
            description: Fully described lending rates for this account based on the equivalent structure in Product Reference.
            items:
              $ref: '#/components/schemas/BankingProductLendingRateV3'
          features:
            type: array
            description: Array of features of the account based on the equivalent structure in Product Reference with the following additional field.
            items:
              type: object
              allOf:
              - $ref: '#/components/schemas/BankingProductFeatureV4'
              - type: object
                properties:
                  isActivated:
                    type: string
                    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
                    - UNK

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