NatWest Group Account Access API

openapi: 3.0.0
info:
  title: Account and Transaction API Specification Account Access API
  description: Swagger for Account and Transaction API Specification
  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: 3.1.11
servers:
- url: /open-banking/v3.1/aisp
tags:
- name: Account Access
paths:
  /account-access-consents:
    post:
      tags:
      - Account Access
      summary: Create Account Access Consents
      operationId: CreateAccountAccessConsents
      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'
      requestBody:
        content:
          application/json; charset=utf-8:
            schema:
              $ref: '#/components/schemas/OBReadConsent1'
          application/json:
            schema:
              $ref: '#/components/schemas/OBReadConsent1'
          application/jose+jwe:
            schema:
              $ref: '#/components/schemas/OBReadConsent1'
        description: Default
        required: true
      responses:
        201:
          $ref: '#/components/responses/201AccountAccessConsentsCreated'
        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:
        - accounts
  /account-access-consents/{ConsentId}:
    get:
      tags:
      - Account Access
      summary: Get Account Access Consents
      operationId: GetAccountAccessConsentsConsentId
      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'
      responses:
        200:
          $ref: '#/components/responses/200AccountAccessConsentsConsentIdRead'
        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:
        - accounts
    delete:
      tags:
      - Account Access
      summary: Delete Account Access Consents
      operationId: DeleteAccountAccessConsentsConsentId
      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'
      responses:
        204:
          $ref: '#/components/responses/204AccountAccessConsentsConsentIdDeleted'
        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:
        - accounts
components:
  schemas:
    ISODateTime:
      description: "All dates in the JSON payloads are represented in ISO 8601 date-time format. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00"
      type: string
      format: date-time
    OBErrorResponse1:
      description: An array of detail error codes, and messages, and URLs to documentation to help remediation.
      type: object
      properties:
        Code:
          description: High level textual error code, to help categorize the errors.
          type: string
          minLength: 1
          maxLength: 40
        Id:
          description: A unique reference for the error instance, for audit purposes, in case of unknown/unclassified errors.
          type: string
          minLength: 1
          maxLength: 40
        Message:
          description: Brief Error message, e.g., 'There is something wrong with the request parameters provided'
          type: string
          minLength: 1
          maxLength: 500
        Errors:
          items:
            $ref: '#/components/schemas/OBError1'
          type: array
          minItems: 1
      required:
      - Code
      - Message
      - Errors
      additionalProperties: false
    OBReadConsentResponse1:
      type: object
      required:
      - Data
      - Risk
      properties:
        Data:
          type: object
          required:
          - ConsentId
          - CreationDateTime
          - Status
          - StatusUpdateDateTime
          - Permissions
          properties:
            ConsentId:
              description: Unique identification as assigned to identify the account access consent resource.
              type: string
              minLength: 1
              maxLength: 128
            CreationDateTime:
              $ref: '#/components/schemas/CreationDateTime'
            Status:
              description: Specifies the status of consent resource in code form.
              type: string
              enum:
              - Authorised
              - AwaitingAuthorisation
              - Rejected
              - Revoked
            StatusUpdateDateTime:
              $ref: '#/components/schemas/StatusUpdateDateTime'
            Permissions:
              type: array
              items:
                description: Specifies the Open Banking account access data types. This is a list of the data clusters being consented by the PSU, and requested for authorisation with the ASPSP.
                type: string
                enum:
                - ReadAccountsBasic
                - ReadAccountsDetail
                - ReadBalances
                - ReadBeneficiariesBasic
                - ReadBeneficiariesDetail
                - ReadDirectDebits
                - ReadOffers
                - ReadPAN
                - ReadParty
                - ReadPartyPSU
                - ReadProducts
                - ReadScheduledPaymentsBasic
                - ReadScheduledPaymentsDetail
                - ReadStandingOrdersBasic
                - ReadStandingOrdersDetail
                - ReadStatementsBasic
                - ReadStatementsDetail
                - ReadTransactionsBasic
                - ReadTransactionsCredits
                - ReadTransactionsDebits
                - ReadTransactionsDetail
              minItems: 1
            ExpirationDateTime:
              description: "Specified date and time the permissions will expire.\nIf this is not populated, the permissions will be open ended.All dates in the JSON payloads are represented in ISO 8601 date-time format. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00"
              type: string
              format: date-time
            TransactionFromDateTime:
              description: "Specified start date and time for the transaction query period.\nIf this is not populated, the start date will be open ended, and data will be returned from the earliest available transaction.All dates in the JSON payloads are represented in ISO 8601 date-time format. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00"
              type: string
              format: date-time
            TransactionToDateTime:
              description: "Specified end date and time for the transaction query period.\nIf this is not populated, the end date will be open ended, and data will be returned to the latest available transaction.All dates in the JSON payloads are represented in ISO 8601 date-time format. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00"
              type: string
              format: date-time
        Risk:
          $ref: '#/components/schemas/OBRisk2'
        Links:
          $ref: '#/components/schemas/Links'
        Meta:
          $ref: '#/components/schemas/Meta'
      additionalProperties: false
    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:
          description: Low level textual error code, e.g., UK.OBIE.Field.Missing
          type: string
          x-namespaced-enum:
          - UK.OBIE.Field.Expected
          - UK.OBIE.Field.Invalid
          - UK.OBIE.Field.InvalidDate
          - UK.OBIE.Field.Missing
          - UK.OBIE.Field.Unexpected
          - UK.OBIE.Header.Invalid
          - UK.OBIE.Header.Missing
          - UK.OBIE.Reauthenticate
          - UK.OBIE.Resource.ConsentMismatch
          - UK.OBIE.Resource.InvalidConsentStatus
          - UK.OBIE.Resource.InvalidFormat
          - UK.OBIE.Resource.NotFound
          - UK.OBIE.Rules.AfterCutOffDateTime
          - UK.OBIE.Rules.DuplicateReference
          - UK.OBIE.Signature.Invalid
          - UK.OBIE.Signature.InvalidClaim
          - UK.OBIE.Signature.Malformed
          - UK.OBIE.Signature.Missing
          - UK.OBIE.Signature.MissingClaim
          - UK.OBIE.Signature.Unexpected
          - UK.OBIE.UnexpectedError
          - UK.OBIE.Unsupported.AccountIdentifier
          - UK.OBIE.Unsupported.AccountSecondaryIdentifier
          - UK.OBIE.Unsupported.Currency
          - UK.OBIE.Unsupported.Frequency
          - UK.OBIE.Unsupported.LocalInstrument
          - UK.OBIE.Unsupported.Scheme
        Message:
          description: 'A description of the error that occurred. e.g., ''A mandatory field isn''t supplied'' or ''RequestedExecutionDateTime must be in future''

            OBIE 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
      - Message
      additionalProperties: false
      minProperties: 1
    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
    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. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00"
      type: string
      format: date-time
    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. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00"
      type: string
      format: date-time
    OBRisk2:
      description: The Risk section is sent by the initiating party to the ASPSP. It is used to specify additional details for risk scoring for Account Info.
      type: object
      properties: {}
      additionalProperties: false
    OBReadConsent1:
      type: object
      required:
      - Data
      - Risk
      properties:
        Data:
          type: object
          required:
          - Permissions
          properties:
            Permissions:
              type: array
              items:
                description: Specifies the Open Banking account access data types. This is a list of the data clusters being consented by the PSU, and requested for authorisation with the ASPSP.
                type: string
                enum:
                - ReadAccountsBasic
                - ReadAccountsDetail
                - ReadBalances
                - ReadBeneficiariesBasic
                - ReadBeneficiariesDetail
                - ReadDirectDebits
                - ReadOffers
                - ReadPAN
                - ReadParty
                - ReadPartyPSU
                - ReadProducts
                - ReadScheduledPaymentsBasic
                - ReadScheduledPaymentsDetail
                - ReadStandingOrdersBasic
                - ReadStandingOrdersDetail
                - ReadStatementsBasic
                - ReadStatementsDetail
                - ReadTransactionsBasic
                - ReadTransactionsCredits
                - ReadTransactionsDebits
                - ReadTransactionsDetail
              minItems: 1
            ExpirationDateTime:
              description: "Specified date and time the permissions will expire.\nIf this is not populated, the permissions will be open ended.All dates in the JSON payloads are represented in ISO 8601 date-time format. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00"
              type: string
              format: date-time
            TransactionFromDateTime:
              description: "Specified start date and time for the transaction query period.\nIf this is not populated, the start date will be open ended, and data will be returned from the earliest available transaction.All dates in the JSON payloads are represented in ISO 8601 date-time format. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00"
              type: string
              format: date-time
            TransactionToDateTime:
              description: "Specified end date and time for the transaction query period.\nIf this is not populated, the end date will be open ended, and data will be returned to the latest available transaction.All dates in the JSON payloads are represented in ISO 8601 date-time format. \nAll date-time fields in responses must include the timezone. An example is below:\n2017-04-05T10:43:07+00:00"
              type: string
              format: date-time
        Risk:
          $ref: '#/components/schemas/OBRisk2'
      additionalProperties: false
  parameters:
    x-fapi-auth-date:
      in: header
      name: x-fapi-auth-date
      required: false
      description: "The time when the PSU last logged in with the TPP. \nAll dates in the HTTP headers are represented as RFC 7231 Full Dates. An example is below: \nSun, 10 Sep 2017 19:43:31 UTC"
      schema:
        type: string
        pattern: ^(Mon|Tue|Wed|Thu|Fri|Sat|Sun), \d{2} (Jan|Feb|Mar|Apr|May|Jun|Jul|Aug|Sep|Oct|Nov|Dec) \d{4} \d{2}:\d{2}:\d{2} (GMT|UTC)$
    x-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
    Authorization:
      in: header
      name: Authorization
      required: true
      description: An Authorisation Token as per https://tools.ietf.org/html/rfc6750
      schema:
        type: string
    ConsentId:
      name: ConsentId
      in: path
      description: ConsentId
      required: true
      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-interaction-id:
      in: header
      name: x-fapi-interaction-id
      required: false
      description: An RFC4122 UID used as a correlation id.
      schema:
        type: string
  responses:
    400Error:
      description: Bad request
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          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'
    500Error:
      description: Internal Server Error
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          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'
    201AccountAccessConsentsCreated:
      description: Account Access Consents Created
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          schema:
            type: string
      content:
        application/json; charset=utf-8:
          schema:
            $ref: '#/components/schemas/OBReadConsentResponse1'
        application/json:
          schema:
            $ref: '#/components/schemas/OBReadConsentResponse1'
        application/jose+jwe:
          schema:
            $ref: '#/components/schemas/OBReadConsentResponse1'
    406Error:
      description: Not Acceptable
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          schema:
            type: string
    405Error:
      description: Method Not Allowed
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          schema:
            type: string
    403Error:
      description: Forbidden
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          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'
    415Error:
      description: Unsupported Media Type
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          schema:
            type: string
    401Error:
      description: Unauthorized
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          schema:
            type: string
    200AccountAccessConsentsConsentIdRead:
      description: Account Access Consents Read
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          schema:
            type: string
      content:
        application/json; charset=utf-8:
          schema:
            $ref: '#/components/schemas/OBReadConsentResponse1'
        application/json:
          schema:
            $ref: '#/components/schemas/OBReadConsentResponse1'
        application/jose+jwe:
          schema:
            $ref: '#/components/schemas/OBReadConsentResponse1'
    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
    204AccountAccessConsentsConsentIdDeleted:
      description: Account Access Consents Deleted
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          schema:
            type: string
  securitySchemes:
    TPPOAuth2Security:
      type: oauth2
      description: TPP client credential authorisation flow with the ASPSP
      flows:
        clientCredentials:
          tokenUrl: https://authserver.example/token
          scopes:
            accounts: Ability to read Accounts information
    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:
            accounts: Ability to read Accounts information