Banking Account Balance endpoints
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 API
version: 1.36.0
servers:
- description: MTLS
url: https://mtls.dh.example.com/cds-au/v1
tags:
- description: Banking Account Balance endpoints
name: Banking Account Balances
x-shortName: Account Balances
paths:
/banking/accounts/balances:
get:
description: 'Obtain balances for multiple, filtered accounts.
Obsolete versions: [v1](includes/obsolete/get-bulk-balances-v1.html).'
operationId: listBankingBalancesBulk
parameters:
- 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.
explode: true
in: query
name: product-category
required: false
schema:
$ref: '#/components/schemas/BankingProductCategoryV2'
style: form
- description: Used to filter results according to open/closed status. Values can be `OPEN`, `CLOSED` or `ALL`. If absent then `ALL` is assumed.
explode: true
in: query
name: open-status
required: false
schema:
default: ALL
enum:
- ALL
- CLOSED
- OPEN
type: string
style: form
- 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.
explode: true
in: query
name: is-owned
required: false
schema:
type: boolean
style: form
- description: Page of results to request (standard pagination).
explode: true
in: query
name: page
required: false
schema:
default: 1
type: integer
style: form
x-cds-type: PositiveInteger
- description: Page size to request. Default is 25 (standard pagination).
explode: true
in: query
name: page-size
required: false
schema:
default: 25
type: integer
style: form
x-cds-type: PositiveInteger
- 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).
explode: false
in: header
name: x-v
required: true
schema:
type: string
style: simple
- 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`.
explode: false
in: header
name: x-min-v
required: false
schema:
type: string
style: simple
- 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.
explode: false
in: header
name: x-fapi-interaction-id
required: false
schema:
type: string
style: simple
- 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.
explode: false
in: header
name: x-fapi-auth-date
required: false
schema:
type: string
style: simple
x-conditional: true
- 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.
explode: false
in: header
name: x-fapi-customer-ip-address
required: false
schema:
type: string
style: simple
- 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.
explode: false
in: header
name: x-cds-client-headers
required: false
schema:
type: string
style: simple
x-conditional: true
x-cds-type: Base64
responses:
'200':
content:
application/json:
schema:
$ref: '#/components/schemas/ResponseBankingAccountsBalanceList'
description: Successful response
headers:
x-v:
$ref: '#/components/headers/XV'
x-fapi-interaction-id:
$ref: '#/components/headers/XFAPIInteractionId'
'400':
content:
application/json:
schema:
$ref: '#/components/schemas/ResponseErrorListV2'
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'
'406':
content:
application/json:
schema:
$ref: '#/components/schemas/ResponseErrorListV2'
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'
'422':
content:
application/json:
schema:
$ref: '#/components/schemas/ResponseErrorListV2'
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'
summary: Get Bulk Balances
tags:
- Banking Account Balances
x-scopes:
- bank:accounts.basic:read
x-version: '2'
post:
description: Obtain balances for a specified list of accounts.
operationId: listBankingBalancesSpecificAccounts
parameters:
- description: Page of results to request (standard pagination).
explode: true
in: query
name: page
required: false
schema:
default: 1
type: integer
style: form
x-cds-type: PositiveInteger
- description: Page size to request. Default is 25 (standard pagination).
explode: true
in: query
name: page-size
required: false
schema:
default: 25
type: integer
style: form
x-cds-type: PositiveInteger
- 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).
explode: false
in: header
name: x-v
required: true
schema:
type: string
style: simple
- 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`.
explode: false
in: header
name: x-min-v
required: false
schema:
type: string
style: simple
- 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.
explode: false
in: header
name: x-fapi-interaction-id
required: false
schema:
type: string
style: simple
- 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.
explode: false
in: header
name: x-fapi-auth-date
required: false
schema:
type: string
style: simple
x-conditional: true
- 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.
explode: false
in: header
name: x-fapi-customer-ip-address
required: false
schema:
type: string
style: simple
- 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.
explode: false
in: header
name: x-cds-client-headers
required: false
schema:
type: string
style: simple
x-conditional: true
x-cds-type: Base64
requestBody:
$ref: '#/components/requestBodies/RequestAccountIds'
responses:
'200':
content:
application/json:
schema:
$ref: '#/components/schemas/ResponseBankingAccountsBalanceList'
description: Successful response
headers:
x-v:
$ref: '#/components/headers/XV'
x-fapi-interaction-id:
$ref: '#/components/headers/XFAPIInteractionId'
'400':
content:
application/json:
schema:
$ref: '#/components/schemas/ResponseErrorListV2'
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'
'406':
content:
application/json:
schema:
$ref: '#/components/schemas/ResponseErrorListV2'
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'
'422':
content:
application/json:
schema:
$ref: '#/components/schemas/ResponseErrorListV2'
description: The following error codes **MUST** be supported:<br/><ul class="error-code-list"><li>[422 - Invalid Page](#error-422-field-invalid-page)</li><li>[422 - Unavailable Banking Account](#error-422-authorisation-unavailable-banking-account)</li><li>[422 - Invalid Banking Account](#error-422-authorisation-invalid-banking-account)</li></ul>
headers:
x-fapi-interaction-id:
$ref: '#/components/headers/XFAPIInteractionId'
summary: Get Balances For Specific Accounts
tags:
- Banking Account Balances
x-scopes:
- bank:accounts.basic:read
x-version: '1'
/banking/accounts/{accountId}/balance:
get:
description: Obtain the balance for a single specified account.
operationId: getBankingBalance
parameters:
- description: The _accountId_ to obtain data for. _accountId_ values are returned by account list endpoints.
explode: false
in: path
name: accountId
required: true
schema:
$ref: '#/components/schemas/BankingAccountId'
style: simple
- 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).
explode: false
in: header
name: x-v
required: true
schema:
type: string
style: simple
- 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`.
explode: false
in: header
name: x-min-v
required: false
schema:
type: string
style: simple
- 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.
explode: false
in: header
name: x-fapi-interaction-id
required: false
schema:
type: string
style: simple
- 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.
explode: false
in: header
name: x-fapi-auth-date
required: false
schema:
type: string
style: simple
x-conditional: true
- 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.
explode: false
in: header
name: x-fapi-customer-ip-address
required: false
schema:
type: string
style: simple
- 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.
explode: false
in: header
name: x-cds-client-headers
required: false
schema:
type: string
style: simple
x-conditional: true
x-cds-type: Base64
responses:
'200':
content:
application/json:
schema:
$ref: '#/components/schemas/ResponseBankingAccountsBalanceById'
description: Successful response
headers:
x-v:
$ref: '#/components/headers/XV'
x-fapi-interaction-id:
$ref: '#/components/headers/XFAPIInteractionId'
'400':
content:
application/json:
schema:
$ref: '#/components/schemas/ResponseErrorListV2'
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'
'404':
content:
application/json:
schema:
$ref: '#/components/schemas/ResponseErrorListV2'
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'
'406':
content:
application/json:
schema:
$ref: '#/components/schemas/ResponseErrorListV2'
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'
summary: Get Account Balance
tags:
- Banking Account Balances
x-scopes:
- bank:accounts.basic:read
x-version: '1'
components:
schemas:
ResponseBankingAccountsBalanceList_data:
properties:
balances:
description: The list of balances returned.
items:
$ref: '#/components/schemas/BankingBalance'
type: array
required:
- balances
type: object
LinksPaginated:
properties:
self:
description: Fully qualified link that generated the current response document.
type: string
x-cds-type: URIString
first:
description: URI to the first page of this set. Mandatory if this response is not the first page.
type: string
x-cds-type: URIString
prev:
description: URI to the previous page of this set. Mandatory if this response is not the first page.
type: string
x-cds-type: URIString
next:
description: URI to the next page of this set. Mandatory if this response is not the last page.
type: string
x-cds-type: URIString
last:
description: URI to the last page of this set. Mandatory if this response is not the last page.
type: string
x-cds-type: URIString
required:
- self
type: object
x-conditional:
- prev
- next
- first
- last
BankingAccountId:
description: A unique identifier for a Banking account, generated according to [CDR ID Permanence](#id-permanence) requirements.
type: string
x-cds-type: ASCIIString
ErrorV2_meta:
description: Additional data for customised error codes.
properties:
urn:
description: The CDR error code URN which the application-specific error code extends. Mandatory if the error _code_ is an application-specific error rather than a standardised error code.
type: string
type: object
x-conditional:
- urn
Meta:
type: object
ResponseBankingAccountsBalanceById:
properties:
data:
$ref: '#/components/schemas/BankingBalance'
links:
$ref: '#/components/schemas/Links'
meta:
$ref: '#/components/schemas/Meta'
required:
- data
- links
type: object
BankingBalancePurse:
properties:
amount:
description: The balance available for this additional currency purse.
type: string
x-cds-type: AmountString
currency:
description: The currency for the purse.
type: string
x-cds-type: CurrencyString
required:
- amount
type: object
ResponseBankingAccountsBalanceList:
properties:
data:
$ref: '#/components/schemas/ResponseBankingAccountsBalanceList_data'
links:
$ref: '#/components/schemas/LinksPaginated'
meta:
$ref: '#/components/schemas/MetaPaginated'
required:
- data
- links
- meta
type: object
RequestAccountIdListV1_data:
properties:
accountIds:
description: Array of _accountId_ values to obtain data for.
items:
$ref: '#/components/schemas/BankingAccountId'
type: array
required:
- accountIds
type: object
BankingProductCategoryV2:
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
type: string
RequestAccountIdListV1:
properties:
data:
$ref: '#/components/schemas/RequestAccountIdListV1_data'
meta:
$ref: '#/components/schemas/Meta'
required:
- data
type: object
ResponseErrorListV2:
properties:
errors:
description: List of errors.
items:
$ref: '#/components/schemas/ErrorV2'
type: array
required:
- errors
type: object
Links:
properties:
self:
description: Fully qualified link that generated the current response document.
type: string
x-cds-type: URIString
required:
- self
type: object
BankingBalance:
properties:
accountId:
allOf:
- $ref: '#/components/schemas/BankingAccountId'
description: Unique identifier for the account.
currentBalance:
description: The balance of the account at this time. Should align to the balance available via other channels such as Internet Banking. Assumed to be negative if the customer has money owing.
type: string
x-cds-type: AmountString
availableBalance:
description: Balance representing the amount of funds available for transfer. Assumed to be zero or positive.
type: string
x-cds-type: AmountString
creditLimit:
default: '0.00'
description: Object representing the maximum amount of credit that is available for this account. Assumed to be zero if absent.
type: string
x-cds-type: AmountString
amortisedLimit:
default: '0.00'
description: Object representing the available limit amortised according to payment schedule. Assumed to be zero if absent.
type: string
x-cds-type: AmountString
currency:
default: AUD
description: The currency for the balance amounts. If absent assumed to be `AUD`.
type: string
x-cds-type: CurrencyString
purses:
description: Optional array of balances for the account in other currencies. Included to support accounts that support multi-currency purses such as Travel Cards.
items:
$ref: '#/components/schemas/BankingBalancePurse'
type: array
required:
- accountId
- availableBalance
- currentBalance
type: object
MetaPaginated:
properties:
totalRecords:
description: The total number of records in the full set. See [pagination](#pagination).
type: integer
x-cds-type: NaturalNumber
totalPages:
description: The total number of pages in the full set. See [pagination](#pagination).
type: integer
x-cds-type: NaturalNumber
required:
- totalPages
- totalRecords
type: object
ErrorV2:
properties:
code:
description: The code of the error encountered. Where the error is specific to the respondent, an application-specific error code, expressed as a string value. If the error is application-specific, the URN code that the specific error extends must be provided in the _meta_ object. Otherwise, the value is the error code URN.
type: string
title:
description: A short, human-readable summary of the problem that **MUST NOT** change from occurrence to occurrence of the problem represented by the error code.
type: string
detail:
description: A human-readable explanation specific to this occurrence of the problem.
type: string
meta:
$ref: '#/components/schemas/ErrorV2_meta'
required:
- code
- detail
- title
type: object
x-conditional:
- meta
requestBodies:
RequestAccountIds:
content:
application/json:
schema:
$ref: '#/components/schemas/RequestAccountIdListV1'
description: Request payload containing a list of _accountId_ values to obtain data for.
required: true
headers:
XV:
description: The [payload version](#response-headers) that the endpoint has responded with.
explode: false
required: true
schema:
type: string
style: simple
XFAPIInteractionId:
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.
explode: false
required: true
schema:
type: string
style: simple