Nationwide Building Society PCA API
Endpoint for getting Personal Current Account data
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OpenAPI Specification
openapi: 3.2.0
info:
version: v2.4
title: Open Data PCA API
description: Latest Swagger specification for OpenData Personal Current Account data
servers:
- url: https://developer.openbanking.org.uk/open-banking/v2.4
tags:
- name: PCA
description: Endpoint for getting Personal Current Account data
paths:
/personal-current-accounts:
get:
tags:
- PCA
description: Gets a list of all `Personal Current Account` objects.
parameters:
- name: If-Modified-Since
description: Used for conditional request, to retrieve data only if modified since a given date
in: header
required: false
schema:
type: string
- name: If-None-Match
description: Used for conditional request, to retrieve data only if the given Etag value does not match
in: header
required: false
schema:
type: string
responses:
'200':
description: Successful response with a list of `Personal Current Account` data
headers:
Strict-Transport-Security:
description: HTTPS strict transport security header
schema:
type: string
default: max-age=31536000
Etag:
description: A unique ID identifying whether this resource has changed
schema:
type: string
Cache-Control:
description: Describes how long this response can be cached
schema:
type: string
default: max-age=28800
X-Frame-Options:
description: Prevent this request from being loaded in any iframes
schema:
type: string
default: DENY
X-Content-Type-Options:
description: Ensures each page has a content type and prevents browsers from doing MIME type sniffing
schema:
type: string
default: nosniff
content:
application/prs.openbanking.opendata.v2.4+json:
schema:
type: object
properties:
meta:
title: Meta data
type: object
properties:
LastUpdated:
type: string
format: date-time
TotalResults:
type: integer
Agreement:
type: string
enum:
- Use of the APIs and any related data will be subject to the terms of the Open Licence and subject to terms and conditions
License:
description: Open Banking License
type: string
format: uri
enum:
- https://www.openbanking.org.uk/open-licence
TermsOfUse:
description: Open Banking Terms of Use
type: string
format: uri
enum:
- https://www.openbanking.org.uk/terms
required:
- LastUpdated
- TotalResults
- Agreement
- License
- TermsOfUse
additionalProperties: false
data:
type: array
items:
properties:
Brand:
description: Brand registered by the banking group at https://register.fca.org.uk/
type: array
title: Brand
items:
description: Brand registered by the banking group at https://register.fca.org.uk/
type: object
properties:
BrandName:
description: Brand Name that an organisation uses to market its products or services to a consumer as registered at https://register.fca.org.uk/
title: BrandName
type: string
minLength: 1
maxLength: 140
PCA:
description: "PCA' means a personal current account. That is an account marketed to individuals rather than businesses, which provides the facility to place funds, withdraw cash, hold deposits and to execute payment transaction to and from third parties but does not include any of the following types of accounts: \n(a) an account in which money is held on deposit in a currency other than sterling; (b) current account mortgage, ie a single account comprising both a personal current account and a mortgage, which is regulated and marketed principally as a mortgage; \n(c) savings accounts (including instant access savings accounts); \n(d) credit card accounts where funds are usually paid in for the sole purpose of repaying a credit card debt; and \n(e) e-money accounts."
type: array
title: PCA
items:
description: "PCA' means a personal current account. That is an account marketed to individuals rather than businesses, which provides the facility to place funds, withdraw cash, hold deposits and to execute payment transaction to and from third parties but does not include any of the following types of accounts: \n(a) an account in which money is held on deposit in a currency other than sterling; (b) current account mortgage, ie a single account comprising both a personal current account and a mortgage, which is regulated and marketed principally as a mortgage; \n(c) savings accounts (including instant access savings accounts); \n(d) credit card accounts where funds are usually paid in for the sole purpose of repaying a credit card debt; and \n(e) e-money accounts."
type: object
properties:
Name:
description: The name of the PCA product used for marketing purposes from a customer perspective. I.e. what the customer would recognise.
title: Name
type: string
minLength: 1
maxLength: 350
Identification:
description: The unique ID that has been internally assigned by the financial institution to each of the current account banking products they market to their retail and/or small to medium enterprise (SME) customers.
title: Identification
type: string
minLength: 1
maxLength: 40
Segment:
description: "Market segmentation is a marketing term referring to the aggregating of prospective buyers into groups, or segments, that have common needs and respond similarly to a marketing action. Market segmentation enables companies to target different categories of consumers who perceive the full value of certain products and services differently from one another.\n\nRead more: Market Segmentation http://www.investopedia.com/terms/m/marketsegmentation.asp#ixzz4gfEEalTd \nFollow us: Investopedia on Facebook\n\nWith respect to PCA products, they are segmented in relation to different markets that they wish to focus on. For example, Basic PCA products target consumers with poor credit history, Reward PCA products target consumers who spend a lot, and Premium products target High Net Worth individuals."
title: Segment
type: array
items:
description: "Market segmentation is a marketing term referring to the aggregating of prospective buyers into groups, or segments, that have common needs and respond similarly to a marketing action. Market segmentation enables companies to target different categories of consumers who perceive the full value of certain products and services differently from one another.\n\nRead more: Market Segmentation http://www.investopedia.com/terms/m/marketsegmentation.asp#ixzz4gfEEalTd \nFollow us: Investopedia on Facebook\n\nWith respect to PCA products, they are segmented in relation to different markets that they wish to focus on. For example, Basic PCA products target consumers with poor credit history, Reward PCA products target consumers who spend a lot, and Premium products target High Net Worth individuals."
type: string
enum:
- Basic
- BenefitAndReward
- CreditInterest
- Cashback
- General
- Graduate
- Other
- Overdraft
- Packaged
- Premium
- Reward
- Student
- YoungAdult
- Youth
OnSaleIndicator:
description: Indicates that the published product is OnSale(value 1) or Back Book (value 0)
title: OnSaleIndicator
type: boolean
Notes:
description: Optional additional notes to supplement the product details
title: Notes
type: array
items:
description: maxLength 2000 text
type: string
minLength: 1
maxLength: 2000
PCAMarketingState:
description: Describes the type of the known state (regular, promotional ) of the product.
type: array
title: PCAMarketingState
items:
description: Describes the type of the known state (regular, promotional ) of the product.
type: object
properties:
Identification:
description: Unique and unambiguous identification of a Eligibility Marketing state.
title: Identification
type: string
minLength: 1
maxLength: 35
PredecessorID:
description: Identifies the marketing state that precedes this marketing state
title: PredecessorID
type: string
minLength: 1
maxLength: 35
MarketingState:
description: Describes the marketing state (regular or promotional) for which the eligibility criteria applies
title: MarketingState
type: string
enum:
- Promotional
- Regular
FirstMarketedDate:
description: Marketing state start date
title: FirstMarketedDate
type: string
format: date
LastMarketedDate:
description: Marketing state end date
title: LastMarketedDate
type: string
format: date
StateTenureLength:
description: The length/duration of a promotional state
title: StateTenureLength
type: number
format: float
StateTenurePeriod:
description: The unit of period (days, weeks, months etc.) of the promotional length
title: StateTenurePeriod
type: string
enum:
- Day
- Half Year
- Month
- Quarter
- Week
- AcademicTerm
- Year
Notes:
description: Free text for adding details for marketing state
title: Notes
type: array
items:
description: maxLength 2000 text
type: string
minLength: 1
maxLength: 2000
CreditInterest:
description: Details about the interest that may be payable to the PCA account holders
type: object
title: CreditInterest
properties:
TierBandSet:
description: The group of tiers or bands for which credit interest can be applied.
type: array
title: TierBandSet
items:
description: The group of tiers or bands for which credit interest can be applied.
type: object
properties:
TierBandMethod:
description: 'The methodology of how credit interest is paid/applied. It can be:-
1. Banded
Interest rates are banded. i.e. Increasing rate on whole balance as balance increases.
2. Tiered
Interest rates are tiered. i.e. increasing rate for each tier as balance increases, but interest paid on tier fixed for that tier and not on whole balance.
3. Whole
The same interest rate is applied irrespective of the PCA balance'
title: TierBandMethod
type: string
enum:
- Tiered
- Whole
CalculationMethod:
description: Methods of calculating interest
title: CalculationMethod
type: string
enum:
- Compound
- SimpleInterest
Destination:
description: Describes whether accrued interest is payable only to the PCA or to another bank account
title: Destination
type: string
enum:
- PayAway
- SelfCredit
Notes:
description: Optional additional notes to supplement the Tier Band Set details
title: Notes
type: array
items:
description: maxLength 2000 text
type: string
minLength: 1
maxLength: 2000
TierBand:
description: Tier Band Details
type: array
title: TierBand
items:
description: Tier Band Details
type: object
properties:
Identification:
description: Unique and unambiguous identification of a Tier Band for a PCA.
title: Identification
type: string
minLength: 1
maxLength: 35
TierValueMinimum:
description: Minimum deposit value for which the credit interest tier applies.
title: TierValueMinimum
type: string
pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
TierValueMaximum:
description: Maximum deposit value for which the credit interest tier applies.
title: TierValueMaximum
type: string
pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
CalculationFrequency:
description: How often is credit interest calculated for the account.
title: CalculationFrequency
type: string
enum:
- PerAcademicTerm
- Daily
- HalfYearly
- Monthly
- Other
- Quarterly
- PerStatementDate
- Weekly
- Yearly
ApplicationFrequency:
description: How often is interest applied to the PCA for this tier/band i.e. how often the financial institution pays accumulated interest to the customer's PCA.
title: ApplicationFrequency
type: string
enum:
- PerAcademicTerm
- Daily
- HalfYearly
- Monthly
- Other
- Quarterly
- PerStatementDate
- Weekly
- Yearly
DepositInterestAppliedCoverage:
description: Amount on which Interest applied.
title: DepositInterestAppliedCoverage
type: string
enum:
- Tiered
- Whole
FixedVariableInterestRateType:
description: Type of interest rate, Fixed or Variable
title: FixedVariableInterestRateType
type: string
enum:
- Fixed
- Variable
AER:
description: "The annual equivalent rate (AER) is interest that is calculated under the assumption that any interest paid is combined with the original balance and the next interest payment will be based on the slightly higher account balance. Overall, this means that interest can be compounded several times in a year depending on the number of times that interest payments are made. \n\nRead more: Annual Equivalent Rate (AER) http://www.investopedia.com/terms/a/aer.asp#ixzz4gfR7IO1A"
title: AER
type: string
pattern: ^(-?\d{1,3}){1}(\.\d{1,4}){0,1}$
BankInterestRateType:
description: Interest rate types, other than AER, which financial institutions may use to describe the annual interest rate payable to the PCA.
title: BankInterestRateType
type: string
enum:
- LinkedBaseRate
- Gross
- Net
- Other
BankInterestRate:
description: Bank Interest for the PCA product
title: BankInterestRate
type: string
pattern: ^(-?\d{1,3}){1}(\.\d{1,4}){0,1}$
Notes:
description: Optional additional notes to supplement the Tier Band details
title: Notes
type: array
items:
description: maxLength 2000 text
type: string
minLength: 1
maxLength: 2000
OtherBankInterestType:
description: Other interest rate types which are not available in the standard code list
type: object
title: OtherBankInterestType
properties:
Code:
description: The four letter Mnemonic used within an XML file to identify a code
title: Code
type: string
pattern: ^\w{0,4}$
minLength: 0
maxLength: 4
Name:
description: Long name associated with the code
title: Name
type: string
minLength: 1
maxLength: 70
Description:
description: Description to describe the purpose of the code
title: Description
type: string
minLength: 1
maxLength: 350
additionalProperties: false
required:
- Name
- Description
OtherApplicationFrequency:
description: Other application frequencies that are not available in the standard code list
type: object
title: OtherApplicationFrequency
properties:
Code:
description: The four letter Mnemonic used within an XML file to identify a code
title: Code
type: string
pattern: ^\w{0,4}$
minLength: 0
maxLength: 4
Name:
description: Long name associated with the code
title: Name
type: string
minLength: 1
maxLength: 70
Description:
description: Description to describe the purpose of the code
title: Description
type: string
minLength: 1
maxLength: 350
additionalProperties: false
required:
- Name
- Description
OtherCalculationFrequency:
description: Other calculation frequency which is not available in the standard code set.
type: object
title: OtherCalculationFrequency
properties:
Code:
description: The four letter Mnemonic used within an XML file to identify a code
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