UK Open Banking Offers API

openapi: 3.0.0
info:
  title: Account and Transaction API Specification Account Access Consents Offers API
  description: 'Swagger for Account and Transaction API Specification.


    **Please Note**: There are no optional fields, if a field is not marked as “Required” it is a Conditional field.

    '
  termsOfService: https://www.openbanking.org.uk/terms
  contact:
    name: Service Desk
    email: ServiceDesk@openbanking.org.uk
  license:
    name: open-licence
    url: https://www.openbanking.org.uk/open-licence
  version: 4.0.1
servers:
- url: /open-banking/v4.0/aisp
tags:
- name: Offers
paths:
  /accounts/{AccountId}/offers:
    get:
      tags:
      - Offers
      summary: Get Offers for an AccountId
      description: Enables an AISP to retrieve any offer information for a specific PSU account.
      operationId: GetAccountsAccountIdOffers
      parameters:
      - $ref: '#/components/parameters/AccountId'
      - $ref: '#/components/parameters/x-fapi-auth-date'
      - $ref: '#/components/parameters/x-fapi-customer-ip-address'
      - $ref: '#/components/parameters/x-fapi-interaction-id'
      - $ref: '#/components/parameters/Authorization'
      - $ref: '#/components/parameters/x-customer-user-agent'
      - $ref: '#/components/parameters/x-client-id'
      responses:
        '200':
          $ref: '#/components/responses/200AccountsAccountIdOffersRead'
        '400':
          $ref: '#/components/responses/400Error'
        '401':
          $ref: '#/components/responses/401Error'
        '403':
          $ref: '#/components/responses/403Error'
        '404':
          $ref: '#/components/responses/404Error'
        '405':
          $ref: '#/components/responses/405Error'
        '406':
          $ref: '#/components/responses/406Error'
        '429':
          $ref: '#/components/responses/429Error'
        '500':
          $ref: '#/components/responses/500Error'
      security:
      - PSUOAuth2Security:
        - accounts
  /offers:
    get:
      tags:
      - Offers
      summary: Get Offers
      description: Enables an AISP to retrieve any offer information for account(s) that the PSU has consented to.
      operationId: GetOffers
      parameters:
      - $ref: '#/components/parameters/x-fapi-auth-date'
      - $ref: '#/components/parameters/x-fapi-customer-ip-address'
      - $ref: '#/components/parameters/x-fapi-interaction-id'
      - $ref: '#/components/parameters/Authorization'
      - $ref: '#/components/parameters/x-customer-user-agent'
      - $ref: '#/components/parameters/x-client-id'
      responses:
        '200':
          $ref: '#/components/responses/200OffersRead'
        '400':
          $ref: '#/components/responses/400Error'
        '401':
          $ref: '#/components/responses/401Error'
        '403':
          $ref: '#/components/responses/403Error'
        '404':
          $ref: '#/components/responses/404Error'
        '405':
          $ref: '#/components/responses/405Error'
        '406':
          $ref: '#/components/responses/406Error'
        '429':
          $ref: '#/components/responses/429Error'
        '500':
          $ref: '#/components/responses/500Error'
      security:
      - PSUOAuth2Security:
        - accounts
components:
  schemas:
    OBActiveCurrencyAndAmount_SimpleType:
      description: A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.
      type: string
      example: '1209.06'
      pattern: ^\d{1,13}$|^\d{1,13}\.\d{1,5}$
    Meta:
      title: MetaData
      type: object
      description: Meta Data relevant to the payload
      properties:
        TotalPages:
          type: integer
          format: int32
        FirstAvailableDateTime:
          $ref: '#/components/schemas/ISODateTime'
        LastAvailableDateTime:
          $ref: '#/components/schemas/ISODateTime'
      additionalProperties: false
    AccountId:
      description: A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
      type: string
      example: '22289'
      minLength: 1
      maxLength: 40
    ActiveOrHistoricCurrencyCode_1:
      description: A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".
      type: string
      example: GBP
      pattern: ^[A-Z]{3,3}$
    OBExternalStatusReason1Code:
      description: Low level textual error code, for all enum values see `OBExternalStatusReason1Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets)
      type: string
      minLength: 4
      maxLength: 4
      example: U001
    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
    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
    OBReadOffer1:
      type: object
      required:
      - Data
      properties:
        Data:
          type: object
          properties:
            Offer:
              type: array
              items:
                type: object
                required:
                - AccountId
                properties:
                  AccountId:
                    $ref: '#/components/schemas/AccountId'
                  OfferId:
                    description: A unique and immutable identifier used to identify the offer resource. This identifier has no meaning to the account owner.
                    type: string
                    example: Offer1
                    minLength: 1
                    maxLength: 40
                  OfferType:
                    description: Offer type, in a coded form. For a full list of values refer to `OBExternalOfferType1Code` in *OB_Internal_CodeSet* [here](https://github.com/OpenBankingUK/External_Internal_CodeSets)
                    type: string
                    example: LimitIncrease
                    enum:
                    - BalanceTransfer
                    - LimitIncrease
                    - MoneyTransfer
                    - Other
                    - PromotionalRate
                  Description:
                    description: Further details of the offer.
                    type: string
                    example: Credit limit increase for the account up to £10000.00
                    minLength: 1
                    maxLength: 500
                  StartDateTime:
                    description: "Date and time at which the offer starts. 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
                    example: '2024-05-29T00:00:00Z'
                    format: date-time
                  EndDateTime:
                    description: "Date and time at which the offer ends. 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
                    example: '2024-06-29T00:00:00Z'
                    format: date-time
                  Rate:
                    description: Rate associated with the offer type.
                    type: string
                    example: '100.00'
                    pattern: ^(-?\d{1,3}){1}(\.\d{1,4}){0,1}$
                  Value:
                    description: Value associated with the offer type.
                    example: 10
                    type: integer
                  Term:
                    description: Further details of the term of the offer.
                    type: string
                    example: Starting first of the month and ending at the end of year
                    minLength: 1
                    maxLength: 500
                  URL:
                    description: URL (Uniform Resource Locator) where documentation on the offer can be found
                    type: string
                    example: http://modelbank.com/offer/offer1
                    minLength: 1
                    maxLength: 256
                  Amount:
                    type: object
                    required:
                    - Amount
                    - Currency
                    description: Amount of money associated with the offer type.
                    properties:
                      Amount:
                        $ref: '#/components/schemas/OBActiveCurrencyAndAmount_SimpleType'
                      Currency:
                        $ref: '#/components/schemas/ActiveOrHistoricCurrencyCode_1'
                  Fee:
                    type: object
                    required:
                    - Amount
                    - Currency
                    description: Fee associated with the offer type.
                    properties:
                      Amount:
                        $ref: '#/components/schemas/OBActiveCurrencyAndAmount_SimpleType'
                      Currency:
                        $ref: '#/components/schemas/ActiveOrHistoricCurrencyCode_1'
        Links:
          $ref: '#/components/schemas/Links'
        Meta:
          $ref: '#/components/schemas/Meta'
      additionalProperties: false
    OBErrorResponse1:
      description: An array of detail error codes, and messages, and URLs to documentation to help remediation.
      type: object
      properties:
        Id:
          description: A unique reference for the error instance, for audit purposes, in case of unknown/unclassified errors.
          type: string
          minLength: 1
          maxLength: 40
        Code:
          description: Deprecated <br />High level textual error code, to help categorise the errors.
          type: string
          minLength: 1
          example: 400 BadRequest
          maxLength: 40
        Message:
          description: Deprecated <br />Brief Error message
          type: string
          minLength: 1
          example: There is something wrong with the request parameters provided
          maxLength: 500
        Errors:
          items:
            $ref: '#/components/schemas/OBError1'
          type: array
          minItems: 1
      required:
      - Errors
      additionalProperties: false
    OBError1:
      type: object
      properties:
        ErrorCode:
          $ref: '#/components/schemas/OBExternalStatusReason1Code'
        Message:
          description: 'A description of the error that occurred. e.g., ''A mandatory field isn''t supplied'' or ''RequestedExecutionDateTime must be in future''

            OBL doesn''t standardise this field'
          type: string
          minLength: 1
          maxLength: 500
        Path:
          description: Recommended but optional reference to the JSON Path of the field with error, e.g., Data.Initiation.InstructedAmount.Currency
          type: string
          minLength: 1
          maxLength: 500
        Url:
          description: URL to help remediate the problem, or provide more information, or to API Reference, or help etc
          type: string
      required:
      - ErrorCode
      additionalProperties: false
      minProperties: 1
  parameters:
    x-client-id:
      in: header
      name: x-client-id
      required: false
      description: "Only used if an ASPSP requires the client ID in order to return rate limit headers. \n\nTPPs __must__ refer to ASPSP developer portals for further information on any rate limit policies, if the headers are supported and any additional requirements.\n\nThis header __must not__ be used for client authentication\n"
      schema:
        type: string
    x-fapi-auth-date:
      in: header
      name: x-fapi-auth-date
      required: false
      description: "The time when the PSU last logged in with the TPP. \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)$
    AccountId:
      name: AccountId
      in: path
      description: AccountId
      required: true
      schema:
        type: string
    Authorization:
      in: header
      name: Authorization
      required: true
      description: An Authorisation Token as per https://tools.ietf.org/html/rfc6750
      schema:
        type: string
    x-fapi-interaction-id:
      in: header
      name: x-fapi-interaction-id
      required: false
      description: An RFC4122 UID used as a correlation id.
      schema:
        type: string
    x-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-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
  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'
    401Error:
      description: Unauthorized
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          schema:
            type: string
    404Error:
      description: Not found
      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
    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
    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'
    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'
    200AccountsAccountIdOffersRead:
      description: Offers Read
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          schema:
            type: string
        RateLimit-Policy:
          $ref: '#/components/headers/RateLimit-Policy'
        RateLimit:
          $ref: '#/components/headers/RateLimit'
      content:
        application/json; charset=utf-8:
          schema:
            $ref: '#/components/schemas/OBReadOffer1'
        application/json:
          schema:
            $ref: '#/components/schemas/OBReadOffer1'
        application/jose+jwe:
          schema:
            $ref: '#/components/schemas/OBReadOffer1'
    200OffersRead:
      description: Offers Read
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          schema:
            type: string
        RateLimit-Policy:
          $ref: '#/components/headers/RateLimit-Policy'
        RateLimit:
          $ref: '#/components/headers/RateLimit'
      content:
        application/json; charset=utf-8:
          schema:
            $ref: '#/components/schemas/OBReadOffer1'
        application/json:
          schema:
            $ref: '#/components/schemas/OBReadOffer1'
        application/jose+jwe:
          schema:
            $ref: '#/components/schemas/OBReadOffer1'
    406Error:
      description: Not Acceptable
      headers:
        x-fapi-interaction-id:
          description: An RFC4122 UID used as a correlation id.
          required: true
          schema:
            type: string
  headers:
    RateLimit-Policy:
      required: false
      description: 'TPPs __must__ refer to ASPSP developer portals for further information on any rate limit policies, if the headers are supported and any additional requirements.


        A non-empty list of Quota Policy Items. The Item value __MUST__ be a String.


        Example:

        `RateLimit-Policy: "default";q=100;w=10`


        The **REQUIRED** "q" parameter indicates the quota allocated by this policy measured in quota units.


        The **OPTIONAL** "w" parameter value conveys a time window.

        '
      schema:
        type: string
    RateLimit:
      required: false
      description: 'TPPs __must__ refer to ASPSP developer portals for further information on any rate limit policies, if the headers are supported and any additional requirements.


        A server uses the "RateLimit" response header field to communicate the current service limit for a quota policy for a particular partition key.


        Example:

        `RateLimit: "default";r=50;t=30`


        The **REQUIRED** "r" parameter value conveys the remaining quota units for the identified policy.


        The **OPTIONAL** "t" parameter value conveys the time window reset time for the identified policy.

        '
      schema:
        type: string
  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