Starling Bank PCA API
Endpoint for getting Personal Current Account data
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OpenAPI Specification
openapi: 3.2.0
info:
version: v1.3
title: Open Data PCA API
description: Latest Swagger specification for OpenData
servers:
- url: https://developer.openbanking.org.uk/reference-implementation/open-banking/v1.3
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.v1.3+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:
description: Personal Current Account
type: object
properties:
Organisation:
description: Organisation
type: object
properties:
ParentOrganisation:
description: Parent organisation
type: object
properties:
LEI:
description: The LEI ID of the organisation
type: string
pattern: ^[A-Z0-9]{18,18}[0-9]{2,2}$
BIC:
description: The BIC from the organisation
type: string
pattern: '[A-Z]{6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3})?'
OrganisationName:
description: Organisation Name
type: object
properties:
LegalName:
description: Legal Name of the organisation
type: string
minLength: 1
maxLength: 35
required:
- LegalName
additionalProperties: false
required:
- OrganisationName
additionalProperties: false
Brand:
description: Brand
type: object
properties:
TrademarkIPOCode:
description: 'The Intellectual Property Office (IPO) is the official body responsible for intellectual property (IP) rights including patents, designs, trademarks and copyright. (Code: UK or EU only)'
type: string
enum:
- UK
- EU
TrademarkID:
description: 'The trademark number that has been registered with the Intellectual Property Office. Note: The 2 letter IPO prefix should be omitted'
type: string
minLength: 1
maxLength: 35
required:
- TrademarkIPOCode
- TrademarkID
additionalProperties: false
required:
- ParentOrganisation
- Brand
additionalProperties: false
ProductType:
description: Descriptive code for the product category
type: string
enum:
- PCA
ProductName:
description: The name of the product used for marketing purposes from a customer perspective. i.e. what the customer would recognise
type: string
ProductSegment:
type: array
items:
description: Marketing or industry segment that the product is designed for
type: string
enum:
- Basic
- Business
- General
- Graduate
- International
- Packaged
- Personal
- Premium
- Reward
- SME
- Student
- YoungAdult
- Youth
minItems: 1
InternationalPaymentsSupported:
description: Indicates that the account supports international payments
type: boolean
ProductIdentifier:
description: Identifier within the parent organisation for the product. Must be unique in the organisation
type: string
CardWithdrawalLimit:
description: The daily Limit that a customer can get via the ATM. This describes the default limit rather than the maximum
type: string
pattern: ^-?\d{1,10}\.\d{1,2}$
ProductDescription:
description: Description of the product provided by the parent organisation
type: string
TsandCs:
description: URL provided by the parent organisation which redirects to the current T&Cs
type: array
items:
type: string
minItems: 1
AccessChannels:
description: Ways to interact with the bank when managing account
type: array
items:
description: Channel
type: string
enum:
- ATM
- Branch
- BusinessCommercialCentre
- CallCentre
- MobileApps
- MobileBanking
- Online
- Phone
- Post
- PostOffice
- RelationshipManager
- Text
minItems: 1
CardType:
description: Card Type available
type: array
items:
description: Indicates the card scheme
type: string
enum:
- BasicCard
- BusinessQuickLodgeCard
- Cashcard
- ContactlessCashcard
- ContactlessDebitMastercard
- ContactlessDebitVisa
- DebitMastercard
- VisaDebit
- DepositCard
- OperatorCard
- POCACard
minItems: 1
Contactless:
description: Does the card issued have contactless facility
type: boolean
MobileWallet:
description: Mobile wallet supported by this product. A mobile wallet being any electronic device that allows an individual to make electronic commerce transactions
type: array
items:
description: Mobile wallet supported by this product. A mobile wallet being any electronic device that allows an individual to make electronic commerce transactions
type: string
enum:
- AndroidPay
- ApplePay
- IssuerMobileApp
- MobileBankingApp
- Other
- PayM
- SamsungPay
- VodafoneWallet
CardNotes:
description: Optional additional notes to supplement the card details
type: string
ChequeBookAvailable:
description: Can a chequebook be issued
type: boolean
CreditScoringPartOfAccountOpeningForGettingAnAccount:
description: Indicates whether a credit check performed on an inquiry to open an account is submitted
type: boolean
CreditScoringPartOfAccountOpeningIsAHardOrSoftCreditScore:
description: Describes the type of credit scoring
type: array
items:
description: Indicates the type of scoring
type: string
enum:
- Hard
- Soft
CreditScoringPartOfAccountOpeningText:
description: Details on the specific credit scoring
type: string
CreditScoringPartOfAccountOpeningForIDVerification:
description: Indicates whether a credit check is used to check the address of a potential new account holder
type: boolean
CreditScoringPartOfAccountOpeningIDVerificationIsAHardOrSoftCreditScore:
type: array
items:
description: Indicates the type of scoring
type: string
enum:
- Hard
- Soft
CreditScoringPartOfAccountOpeningIDVerificationText:
description: Details on the specific credit scoring
type: array
items:
type: string
MaximumMonthlyCharge:
description: The maximum Relevant Charges that could accrue
type: string
pattern: ^-?\d{1,10}\.\d{1,2}$
ProductURL:
description: URL provided by the organisation which redirects to the product (on live products only). There might be more than one product at a given URL
type: array
items:
type: string
format: uri
minItems: 1
Currency:
description: Currency of the Account. Default to GBP at present
type: array
items:
description: Active or Historic Currency Code
type: string
pattern: '[A-Z]{3}'
minItems: 1
OverdraftOffered:
description: Indicates whether an overdraft offered for this account
type: boolean
Feature:
type: array
items:
description: Account Features
type: object
properties:
ExistingFeature:
description: Indicates whether the account has any feature
type: boolean
ProductState:
description: Describes if the offering is promotional or a description of a future state.
type: string
enum:
- FutureMultipleTerms
- Promotional
- Regular
StartPromotionOrFutureTerms:
description: Describes the start date
type: string
pattern: ^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$
StopPromotionOrFutureTerms:
description: Describes the end date
type: string
pattern: ^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$
LengthPromotionalInDays:
description: Describes the length if only a duration is given instead of a date
type: integer
DateOfChange:
description: Date of the change if it refers to future terms
type: string
pattern: ^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$
FeatureDetails:
description: Feature details
type: array
items:
description: Feature Details
type: object
properties:
FeatureSubType:
description: ''
type: string
enum:
- FutureMultipleTerms
- Promotional
- Regular
StartPromotionOrFutureTerms:
description: Describes the start date
type: string
pattern: ^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$
StopPromotionOrFutureTerms:
description: Describes the end date
type: string
pattern: ^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$
LengthPromotionalInDays:
description: Describes the length if only a duration is given instead of a date
type: integer
DateOfChange:
description: Date of the change if it refers to future terms
type: string
pattern: ^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$
FeatureType:
description: Type that represents the nature of the feature
type: string
FeatureName:
description: The name of the feature
type: string
FeatureDescription:
description: A textual explanation of what the feature
type: string
FeatureValue:
description: The value or values permissible for a specific feature for an individual product representing a product characteristic
type: string
CriteriaType:
description: Criteria that is required in order to be eligible for the feature
type: string
required:
- ExistingFeature
CAPricing:
type: array
items:
description: Card Price
type: object
properties:
ProductState:
description: Describes if the offering is promotional or a description of a future state.
type: string
enum:
- FutureMultipleTerms
- Promotional
- Regular
CAPricingItem:
description: Card Pricing
type: object
properties:
StartPromotionOrFutureTerms:
description: Describes the start date
type: string
pattern: ^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$
StopPromotionOrFutureTerms:
description: Describes the end date
type: string
pattern: ^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$
LengthPromotionalInDays:
description: Describes the length if only a duration is given instead of a date
type: integer
DateOfChange:
description: Date of the change if it refers to future terms
type: string
pattern: ^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$
ExchangeRateAdjustment:
description: The margin added, by certain card issuers, to the scheme rate in order to arrive at the exchange rate qouted as the reference exchange rate to the cardholder
type: string
pattern: ^-?\d{1,3}\.\d{1,4}$
additionalProperties: false
required:
- ProductState
- CAPricingItem
additionalProperties: false
minItems: 1
Eligibility:
description: Eligibility
type: object
properties:
AgeRestricted:
description: Indicates a customer's age is part of eligibility criteria
type: boolean
MinimumAge:
description: Minimum age, in years, required to hold an account
type: integer
MaximumAge:
description: Maximum age, in years, allowed to hold the account
type: integer
MaximumAgeToOpen:
description: Maximum age, in years, to open an account
type: integer
OtherFinancialHoldingRequired:
description: Indicates that it is necessary to hold another product with the bank in order to be eligible for this product or feature
type: boolean
Description:
description: One paragraph detailing the eligibility
type: string
IncomeTurnoverRelated:
description: Indicates if eligibility linked to income
type: boolean
SingleJointIncome:
description: Minimum Income Source. For certain products a minimum income is required. This can be mandated as to the single income or to a joint income. This field describes this
type: string
enum:
- Joint
- SoleIncome
- SoleOrJoint
- Turnover
MinimumIncomeTurnoverAmount:
description: Minimum income / Turnover required to hold the product
type: string
pattern: ^-?\d{1,10}\.\d{1,2}$
MinimumIncomeTurnoverCurrency:
description: Minimum income / Turnover Currency
type: string
pattern: '[A-Z]{3}'
IncomeCondition:
description: Stipulates any particular definition of income that applies to the income eligibility and/or method by which income must paid into the account (eg Salary DD)
type: string
MinIncomeTurnoverPaidIntoAccount:
description: Minimum Income Amount required to paid into the account
type: integer
MinimumIncomeFrequency:
description: The frequency that the minimum mentioned before is deposited in the account. Yearly is very important for premium accounts
type: string
enum:
- AcademicTerm
- HalfYearly
- Monthly
- Quarterly
- Weekly
- Yearly
AnnualBusinessTurnover:
description: Annual Business Turnover
type: string
pattern: ^-?\d{1,10}\.\d{1,2}$
AnnualBusinessTurnoverCurrency:
description: Annual Business Turnover Currency
type: string
pattern: '[A-Z]{3}'
ResidencyRestricted:
description: Indicates a customer's residency forms part of the eligibility criteria
type: boolean
ResidencyRestrictedRegion:
description: Indicates a customer must be current resident of a geographic area/country
type: string
enum:
- UK
- EEA
- EU
- EFTA
- GB - ENG
- GB - NIR
- GB - SCT
- GB - WLS
- IRL
MaxNumberOfAccounts:
description: Maximum number of the same prodcut the customer may hold
type: string
ThirdSectorOrganisations:
description: Is the product available to operate as a Clubs or Societies account?
type: boolean
MinimumDeposit:
description: A minimum deposit required to hold this account
type: boolean
OpeningDepositMinimum:
description: Minimum Amount to be held on account
type: string
pattern: ^-?\d{1,10}\.\d{1,2}$
OpeningDepositMinimumCurrency:
description: The currency of the Minimum Amount to be depositing at opening
type: string
pattern: '[A-Z]{3}'
MinimumOperatingBalanceExists:
description: Is there a Minimum Operating Balance?
type: boolean
MinimumOperatingBalance:
description: Minimum Operating Balance
type: string
pattern: ^-?\d{1,10}\.\d{1,2}$
MinimumOperatingBalanceCurrency:
description: Minimum Operating Balance currency
type: string
pattern: '[A-Z]{3}'
MaximumOpeningAmount:
description: A maximum amount to be deposited at opening
type: boolean
OpeningDepositMaximumAmount:
description: Maximum Amount to be depositing at opening
type: string
pattern: ^-?\d{1,10}\.\d{1,2}$
OpeningDepositMaximumCurrency:
description: The currency of the Minimum Amount to be depositing at opening
type: string
pattern: '[A-Z]{3}'
EligibilityName:
description: Free text description, denotes non standard eligibilities not included in the code list
type: string
EligibilityType:
description: Eligibility type
type: string
enum:
- AnyBusinessCustomer
- BusinessOnly
- CreditCard
- CreditScoring
- EmailAddress
- ExistingCustomers
- IdAndV
- Mortgage
- NoArrearsOnLoan
- NoCustomerInArrears
- NoOverOverdraftThirtyDays
- NoSoleUkAccountOrBankrupt
- NTB
- NTBBusiness
- SoleStudentAccount
- SoleUkAccount
- StudentsOnly
- TwoMonthsOfCourseStart
- UCASFulltimeTwoYears
EligibilityNotes:
description: Optional additional notes to supplement the eligibility conditions. Only used for very specific conditions
type: string
PreviousBankruptcy:
description: Describes if a previous bankruptcy / insolvency disqualfies for this account Details in ELI-280
type: boolean
MarketingEligibility:
type: array
items:
description: Specific eligibility for marketing
type: string
enum:
- ExistingCustomers
- NewCustomersOnly
- SwitchersOnly
- StartUp
uniqueItems: true
required:
- AgeRestricted
- OtherFinancialHoldingRequired
- Description
- IncomeTurnoverRelated
- ResidencyRestricted
- ThirdSectorOrganisations
- PreviousBankruptcy
additionalProperties: false
CreditInterest:
description: Credit Interest
type: object
pr
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