MyState Bank Products API

openapi: 3.0.3
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 Products API
  version: 1.36.0
servers:
- description: MTLS
  url: https://mtls.dh.example.com/cds-au/v1
tags:
- name: Products
paths:
  /banking/products:
    get:
      tags:
      - Products
      summary: Get Products
      description: Obtain a list of products from the company that are currently openly offered to the market
      operationId: listProducts
      parameters:
      - name: effective
        in: query
        description: Allows for the filtering of products based on whether the current time is within the period of time defined as effective by the effectiveFrom and effectiveTo fields.
        schema:
          type: string
          enum:
          - CURRENT
          - FUTURE
          - ALL
      - name: updated-since
        in: query
        description: Only include products that have been updated after the specified date and time. If absent defaults to include all products
        schema:
          type: string
          x-cds-type: DateTimeString
        x-cds-type: DateTimeString
      - name: brand
        in: query
        description: Filter results based on a specific brand
        schema:
          type: string
      - 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:
          type: string
          enum:
          - BUSINESS_LOANS
          - CRED_AND_CHRG_CARDS
          - LEASES
          - MARGIN_LOANS
          - OVERDRAFTS
          - PERS_LOANS
          - REGULATED_TRUST_ACCOUNTS
          - RESIDENTIAL_MORTGAGES
          - TERM_DEPOSITS
          - TRADE_FINANCE
          - TRAVEL_CARDS
          - TRANS_AND_SAVINGS_ACCOUNTS
      - name: page
        in: query
        description: Page of results to request (standard pagination)
        schema:
          type: integer
          x-cds-type: PositiveInteger
        x-cds-type: PositiveInteger
      - name: page-size
        in: query
        description: Page size to request. Default is 25 (standard pagination)
        schema:
          type: integer
          x-cds-type: PositiveInteger
        x-cds-type: PositiveInteger
      - name: x-v
        in: header
        description: Version of the API end point requested by the client.
        required: true
        schema:
          type: string
          default: 3
      - name: x-min-v
        in: header
        description: Minimum version of the API end point requested by the client.
        schema:
          type: string
      responses:
        200:
          description: Success
          headers:
            x-v:
              description: The version of the API end point that the data holder has responded with.
              schema:
                type: string
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseBankingProductList'
  /banking/products/{productId}:
    get:
      tags:
      - Products
      summary: Get Product Detail
      description: Obtain detailed information on a single product offered openly to the market.
      operationId: getProductDetail
      parameters:
      - name: productId
        in: path
        description: ID of the specific product requested (found using GET /banking/products)
        required: true
        schema:
          type: string
          x-cds-type: ASCIIString
        x-cds-type: ASCIIString
      - name: x-v
        in: header
        description: Version of the API end point requested by the client.
        required: true
        schema:
          type: string
          default: 3
      - name: x-min-v
        in: header
        description: Minimum version of the API end point requested by the client.
        schema:
          type: string
      responses:
        200:
          description: Success
          headers:
            x-v:
              description: The version of the API end point that the data holder has responded with.
              schema:
                type: string
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResponseBankingProductById'
components:
  schemas:
    BankingProductDepositRate:
      required:
      - depositRateType
      - rate
      type: object
      properties:
        depositRateType:
          type: string
          description: The type of rate (base, bonus, etc). See the next section for an overview of valid values and their meaning
          enum:
          - BONUS
          - BUNDLE_BONUS
          - FIXED
          - FLOATING
          - INTRODUCTORY
          - MARKET_LINKED
          - 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
        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)
          x-cds-type: ExternalRef
        tiers:
          type: array
          description: Rate tiers applicable for this rate
          items:
            $ref: '#/components/schemas/BankingProductRateTierV3'
        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
    BankingProductRateCondition:
      type: object
      properties:
        additionalInfo:
          type: string
          description: Display text providing more information on the condition
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this condition
          x-cds-type: URIString
      description: Defines a condition for the applicability of a tiered rate
    BankingProductEligibility:
      required:
      - eligibilityType
      type: object
      properties:
        eligibilityType:
          type: string
          description: The type of eligibility criteria described.  See the next section for an overview of valid values and their meaning
          enum:
          - BUSINESS
          - EMPLOYMENT_STATUS
          - MAX_AGE
          - MIN_AGE
          - MIN_INCOME
          - MIN_TURNOVER
          - NATURAL_PERSON
          - PENSION_RECIPIENT
          - RESIDENCY_STATUS
          - STAFF
          - STUDENT
          - OTHER
        additionalValue:
          type: string
          description: Generic field containing additional information relevant to the [eligibilityType](#tocSproducteligibilitytypedoc) specified. Whether mandatory or not is dependent on the value of [eligibilityType](#tocSproducteligibilitytypedoc)
        additionalInfo:
          type: string
          description: Display text providing more information on the [eligibility](#tocSproducteligibilitytypedoc) criteria. Mandatory if the field is set to OTHER
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this eligibility criteria
          x-cds-type: URIString
      x-conditional:
      - additionalValue
      - additionalInfo
    Meta:
      type: object
    BankingProductRateTierV3:
      required:
      - minimumValue
      - name
      - unitOfMeasure
      type: object
      properties:
        name:
          type: string
          description: A display name for the tier
        unitOfMeasure:
          type: string
          description: The unit of measure that applies to the tierValueMinimum and tierValueMaximum values e.g. a **DOLLAR** amount. **PERCENT** (in the case of loan-to-value ratio or LVR). Tier term period representing a discrete number of **MONTH**'s or **DAY**'s (in the case of term deposit tiers)
          enum:
          - DOLLAR
          - PERCENT
          - DAY
          - MONTH
        minimumValue:
          type: number
          description: The number of tierUnitOfMeasure units that form the lower bound of the tier. The tier should be inclusive of this value
          x-cds-type: Number
        maximumValue:
          type: number
          description: 'The number of tierUnitOfMeasure units that form the upper bound of the tier or band. For a tier with a discrete value (as opposed to a range of values e.g. 1 month) this must be the same as tierValueMinimum. Where this is the same as the tierValueMinimum value of the next-higher tier the referenced tier should be exclusive of this value. For example a term deposit of 2 months falls into the upper tier of the following tiers: (1 – 2 months, 2 – 3 months). If absent the tier''s range has no upper bound.'
          x-cds-type: Number
        rateApplicationMethod:
          type: string
          description: The method used to calculate the amount to be applied using one or more tiers. A single rate may be applied to the entire balance or each applicable tier rate is applied to the portion of the balance that falls into that tier (referred to as 'bands' or 'steps')
          enum:
          - PER_TIER
          - WHOLE_BALANCE
        applicabilityConditions:
          $ref: '#/components/schemas/BankingProductRateCondition'
        additionalInfo:
          type: string
          description: Display text providing more information on the rate tier.
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this rate tier
          x-cds-type: URIString
      description: Defines the criteria and conditions for which a rate applies
    ResponseBankingProductById:
      required:
      - data
      - links
      type: object
      properties:
        data:
          $ref: '#/components/schemas/BankingProductDetailV3'
        links:
          $ref: '#/components/schemas/Links'
        meta:
          $ref: '#/components/schemas/Meta'
    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
    BankingProductV3_additionalInformation:
      type: object
      properties:
        overviewUri:
          type: string
          description: General overview of the product
          x-cds-type: URIString
        termsUri:
          type: string
          description: Terms and conditions for the product
          x-cds-type: URIString
        eligibilityUri:
          type: string
          description: Eligibility rules and criteria for the product
          x-cds-type: URIString
        feesAndPricingUri:
          type: string
          description: Description of fees, pricing, discounts, exemptions and bonuses for the product
          x-cds-type: URIString
        bundleUri:
          type: string
          description: Description of a bundle that this product can be part of
          x-cds-type: URIString
      description: Object that contains links to additional information on specific topics
    BankingProductDetailV3:
      allOf:
      - $ref: '#/components/schemas/BankingProductV3'
      - type: object
        properties:
          bundles:
            type: array
            description: An array of bundles that this product participates in.  Each bundle is described by free form information but also by a list of product IDs of the other products that are included in the bundle.  It is assumed that the current product is included in the bundle also
            items:
              $ref: '#/components/schemas/BankingProductBundle'
          features:
            type: array
            description: Array of features available for the product
            items:
              $ref: '#/components/schemas/BankingProductFeature'
          constraints:
            type: array
            description: Constraints on the application for or operation of the product such as minimum balances or limit thresholds
            items:
              $ref: '#/components/schemas/BankingProductConstraint'
          eligibility:
            type: array
            description: Eligibility criteria for the product
            items:
              $ref: '#/components/schemas/BankingProductEligibility'
          fees:
            type: array
            description: Fees applicable for the product
            items:
              $ref: '#/components/schemas/BankingProductFee'
          depositRates:
            type: array
            description: Interest rates available for deposits
            items:
              $ref: '#/components/schemas/BankingProductDepositRate'
          lendingRates:
            type: array
            description: Interest rates charged against lending balances
            items:
              $ref: '#/components/schemas/BankingProductLendingRateV2'
    BankingProductFeature:
      required:
      - featureType
      type: object
      properties:
        featureType:
          type: string
          description: The type of feature described
          enum:
          - ADDITIONAL_CARDS
          - BALANCE_TRANSFERS
          - BILL_PAYMENT
          - BONUS_REWARDS
          - CARD_ACCESS
          - COMPLEMENTARY_PRODUCT_DISCOUNTS
          - DIGITAL_BANKING
          - DIGITAL_WALLET
          - DONATE_INTEREST
          - FREE_TXNS
          - FREE_TXNS_ALLOWANCE
          - INSURANCE
          - INTEREST_FREE
          - INTEREST_FREE_TRANSFERS
          - LOYALTY_PROGRAM
          - NOTIFICATIONS
          - NPP_ENABLED
          - NPP_PAYID
          - OFFSET
          - OVERDRAFT
          - REDRAW
          - UNLIMITED_TXNS
          - OTHER
        additionalValue:
          type: string
          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)
        additionalInfo:
          type: string
          description: Display text providing more information on the feature. Mandatory if the [feature type](#tocSproductfeaturetypedoc) is set to OTHER
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this feature
          x-cds-type: URIString
      x-conditional:
      - additionalValue
      - additionalInfo
    BankingProductDiscount:
      required:
      - description
      - discountType
      type: object
      properties:
        description:
          type: string
          description: Description of the discount
        discountType:
          type: string
          description: The type of discount. See the next section for an overview of valid values and their meaning
          enum:
          - BALANCE
          - DEPOSITS
          - ELIGIBILITY_ONLY
          - FEE_CAP
          - PAYMENTS
        amount:
          type: string
          description: Dollar value of the discount. One of amount, balanceRate, transactionRate, accruedRate and feeRate is mandatory.
          x-cds-type: AmountString
        balanceRate:
          type: string
          description: A discount rate calculated based on a proportion of the balance. Note that the currency of the fee discount is expected to be the same as the currency of the fee itself. One of amount, balanceRate, transactionRate, accruedRate and feeRate is mandatory. Unless noted in additionalInfo, assumes the application and calculation frequency are the same as the corresponding fee
          x-cds-type: RateString
        transactionRate:
          type: string
          description: A discount rate calculated based on a proportion of a transaction. Note that the currency of the fee discount is expected to be the same as the currency of the fee itself. One of amount, balanceRate, transactionRate, accruedRate and feeRate is mandatory
          x-cds-type: RateString
        accruedRate:
          type: string
          description: A discount rate calculated based on a proportion of the calculated interest accrued on the account. Note that the currency of the fee discount is expected to be the same as the currency of the fee itself. One of amount, balanceRate, transactionRate, accruedRate and feeRate is mandatory. Unless noted in additionalInfo, assumes the application and calculation frequency are the same as the corresponding fee
          x-cds-type: RateString
        feeRate:
          type: string
          description: A discount rate calculated based on a proportion of the fee to which this discount is attached. Note that the currency of the fee discount is expected to be the same as the currency of the fee itself. One of amount, balanceRate, transactionRate, accruedRate and feeRate is mandatory. Unless noted in additionalInfo, assumes the application and calculation frequency are the same as the corresponding fee
          x-cds-type: RateString
        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 ``discountType`` is ``ELIGIBILITY_ONLY``.
          items:
            $ref: '#/components/schemas/BankingProductDiscountEligibility'
      x-conditional:
      - accruedRate
      - additionalValue
      - amount
      - balanceRate
      - eligibility
      - feeRate
      - transactionRate
    BankingProductV3:
      required:
      - brand
      - description
      - isTailored
      - lastUpdated
      - name
      - productCategory
      - productId
      type: object
      properties:
        productId:
          type: string
          description: A data holder specific unique identifier for this product. This identifier must be unique to a product but does not otherwise need to adhere to ID permanence guidelines.
          x-cds-type: ASCIIString
        effectiveFrom:
          type: string
          description: The date and time from which this product is effective (ie. is available for origination).  Used to enable the articulation of products to the regime before they are available for customers to originate
          x-cds-type: DateTimeString
        effectiveTo:
          type: string
          description: The date and time at which this product will be retired and will no longer be offered.  Used to enable the managed deprecation of products
          x-cds-type: DateTimeString
        lastUpdated:
          type: string
          description: The last date and time that the information for this product was changed (or the creation date for the product if it has never been altered)
          x-cds-type: DateTimeString
        productCategory:
          $ref: '#/components/schemas/BankingProductCategory'
        name:
          type: string
          description: The display name of the product
        description:
          type: string
          description: A description of the product
        brand:
          type: string
          description: A label of the brand for the product. Able to be used for filtering. For data holders with single brands this value is still required
        brandName:
          type: string
          description: An optional display name of the brand
        applicationUri:
          type: string
          description: A link to an application web page where this product can be applied for.
          x-cds-type: URIString
        isTailored:
          type: boolean
          description: Indicates whether the product is specifically tailored to a circumstance.  In this case fees and prices are significantly negotiated depending on context. While all products are open to a degree of tailoring this flag indicates that tailoring is expected and thus that the provision of specific fees and rates is not applicable
          x-cds-type: Boolean
        additionalInformation:
          $ref: '#/components/schemas/BankingProductV3_additionalInformation'
        cardArt:
          type: array
          description: An array of card art images
          items:
            $ref: '#/components/schemas/BankingProductV3_cardArt'
    BankingProductLendingRateV2:
      required:
      - lendingRateType
      - rate
      type: object
      properties:
        lendingRateType:
          type: string
          description: The type of rate (fixed, variable, etc). See the next section for an overview of valid values and their meaning
          enum:
          - BUNDLE_DISCOUNT_FIXED
          - BUNDLE_DISCOUNT_VARIABLE
          - CASH_ADVANCE
          - DISCOUNT
          - FLOATING
          - INTRODUCTORY
          - MARKET_LINKED
          - PENALTY
          - PURCHASE
          - VARIABLE
          - FIXED
        rate:
          type: string
          description: The rate to be applied
          x-cds-type: RateString
        comparisonRate:
          type: string
          description: A comparison rate equivalent for this rate
          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
        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)
          x-cds-type: ExternalRef
        interestPaymentDue:
          type: string
          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
        repaymentType:
          type: string
          description: Options in place for repayments. If absent, the lending rate is applicable to all repayment types
          enum:
          - INTEREST_ONLY
          - PRINCIPAL_AND_INTEREST
        loanPurpose:
          type: string
          description: The reason for taking out the loan. If absent, the lending rate is applicable to all loan purposes
          enum:
          - OWNER_OCCUPIED
          - INVESTMENT
        tiers:
          type: array
          description: Rate tiers applicable for this rate
          items:
            $ref: '#/components/schemas/BankingProductRateTierV3'
        additionalValue:
          type: string
          description: Generic field containing additional information relevant to the [lendingRateType](#tocSproductlendingratetypedoc) specified. Whether mandatory or not is dependent on the value of [lendingRateType](#tocSproductlendingratetypedoc)
        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
    BankingProductCategory:
      type: string
      description: The category to which a product or account belongs. See [here](#product-categories) for more details
      enum:
      - BUSINESS_LOANS
      - CRED_AND_CHRG_CARDS
      - LEASES
      - MARGIN_LOANS
      - OVERDRAFTS
      - PERS_LOANS
      - REGULATED_TRUST_ACCOUNTS
      - RESIDENTIAL_MORTGAGES
      - TERM_DEPOSITS
      - TRADE_FINANCE
      - TRAVEL_CARDS
      - TRANS_AND_SAVINGS_ACCOUNTS
    ResponseBankingProductList_data:
      required:
      - products
      type: object
      properties:
        products:
          type: array
          description: The list of products returned.  If the filter results in an empty set then this array may have no records
          items:
            $ref: '#/components/schemas/BankingProductV3'
    BankingProductBundle:
      required:
      - description
      - name
      type: object
      properties:
        name:
          type: string
          description: Name of the bundle
        description:
          type: string
          description: Description of the bundle
        additionalInfo:
          type: string
          description: Display text providing more information on the bundle
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on the bundle criteria and benefits
          x-cds-type: URIString
        productIds:
          type: array
          description: Array of product IDs for products included in the bundle that are available via the product end points.  Note that this array is not intended to represent a comprehensive model of the products included in the bundle and some products available for the bundle may not be available via the product reference end points
          items:
            type: string
            x-cds-type: ASCIIString
    MetaPaginated:
      required:
      - totalPages
      - totalRecords
      type: object
      properties:
        totalRecords:
          type: integer
          description: The total number of records in the full set. See [pagination](#pagination).
          x-cds-type: NaturalNumber
        totalPages:
          type: integer
          description: The total number of pages in the full set. See [pagination](#pagination).
          x-cds-type: NaturalNumber
    BankingProductConstraint:
      required:
      - constraintType
      type: object
      properties:
        constraintType:
          type: string
          description: The type of constraint described.  See the next section for an overview of valid values and their meaning
          enum:
          - MIN_BALANCE
          - MIN_LIMIT
          - MAX_BALANCE
          - MAX_LIMIT
          - OPENING_BALANCE
        additionalValue:
          type: string
          description: Generic field containing additional information relevant to the [constraintType](#tocSproductconstrainttypedoc) specified.  Whether mandatory or not is dependent on the value of [constraintType](#tocSproductconstrainttypedoc)
        additionalInfo:
          type: string
          description: Display text providing more information the constraint
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on the constraint
          x-cds-type: URIString
      x-conditional:
      - additionalValue
    BankingProductFee:
      required:
      - feeType
      - name
      type: object
      properties:
        name:
          type: string
          description: Name of the fee
        feeType:
          type: string
          description: The type of fee
          enum:
          - DEPOSIT
          - EVENT
          - EXIT
          - PAYMENT
          - PERIODIC
          - PURCHASE
          - TRANSACTION
          - UPFRONT
          - VARIABLE
          - WITHDRAWAL
        amount:
          type: string
          description: The amount charged for the fee. One of amount, balanceRate, transactionRate and accruedRate is mandatory unless the *feeType* "VARIABLE" is supplied
          x-cds-type: AmountString
        balanceRate:
          type: string
          description: A fee rate calculated based on a proportion of the balance. One of amount, balanceRate, transactionRate and accruedRate is mandatory unless the *feeType* "VARIABLE" is supplied.
          x-cds-type: RateString
        transactionRate:
          type: string
          description: A fee rate calculated based on a proportion of a transaction. One of amount, balanceRate, transactionRate and accruedRate is mandatory unless the *feeType* "VARIABLE" is supplied
          x-cds-type: RateString
        accruedRate:
          type: string
          description: A fee rate calculated based on a proportion of the calculated interest accrued on the account. One of amount, balanceRate, transactionRate and accruedRate is mandatory unless the *feeType* "VARIABLE" is supplied
          x-cds-type: RateString
        accrualFrequency:
          type: string
          description: The indicative frequency with which the fee is calculated on the account. Only applies if balanceRate or accruedRate is also present. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax)
          x-cds-type: ExternalRef
        currency:
          type: string
          description: The currency the fee will be charged in. Assumes AUD if absent
          x-cds-type: CurrencyString
        additionalValue:
          type: string
          description: Generic field containing additional information relevant to the [feeType](#tocSproductfeetypedoc) specified. Whether mandatory or not is dependent on the value of [feeType](#tocSproductfeetypedoc)
        additionalInfo:
          type: string
          description: Display text providing more information on the fee
        additionalInfoUri:
          type: string
          description: Link to a web page with more information on this fee
          x-cds-type: URIString
        discounts:
          type: array
          description: An optional list of discounts to this fee that may be available
          items:
            $ref: '#/components/schemas/BankingProductDiscount'
      x-conditional:
      - additionalValue
      - amount
      - balanceRate
      - transactionRate
      - accruedRate
    BankingProductV3_cardArt:
      required:
      - imageUri
      type: object
      properties:
        title:
          type: string
          descriptio

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# Full source: https://raw.githubusercontent.com/api-evangelist/mystate-bank/refs/heads/main/openapi/mystate-bank-products-api-openapi.yml