The bank-facing side of the Token.io platform (OpenAPI 3.0.0, version 1.0.6, contact service@token.io) — the contract a bank implements to integrate with Token, covering accounts, balances, transactions, transfers and health. Its servers[] is the relative "/" because each integrating bank hosts its own instance, so no baseURL is recorded. Retrieved 2026-09-17 through https://docs.token.io/mcp.
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{
"openapi": "3.0.0",
"info": {
"title": "Token Bank Integration API",
"description": "This API is for banks integrating with Token",
"contact": {
"email": "service@token.io"
},
"license": {
"name": "Apache 2.0",
"url": "http://www.apache.org/licenses/LICENSE-2.0.html"
},
"version": "1.0.6"
},
"servers": [
{
"url": "/"
}
],
"tags": [
{
"name": "accounts",
"description": "Accounts Service - Implemented by bank to support access to account information."
},
{
"name": "transfers",
"description": "Transfers Service - Implemented by bank to support payment initiation."
},
{
"name": "health",
"description": "Health Check Endpoints."
}
],
"paths": {
"/accounts/{bankAccountId}/balance": {
"get": {
"tags": [
"accounts"
],
"summary": "Get account balance",
"description": "Returns the current balance of the given account.",
"operationId": "getAccountBalance",
"parameters": [
{
"name": "token-consent-id",
"in": "header",
"description": "The Consent/Token indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "token-tpp-id",
"in": "header",
"description": "The TPP indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "token-account-holder-id",
"in": "header",
"description": "The account holder indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "bankAccountId",
"in": "path",
"description": "The bank account identifier.",
"required": true,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
}
],
"responses": {
"200": {
"description": "The bank acccount balance.",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Balance"
}
}
}
},
"404": {
"description": "The specified account was not found."
},
"default": {
"description": "Unexpected error"
}
},
"security": [
{
"BasicAuth": []
},
{
"Bearer": []
}
],
"x-hideTryItPanel": true
}
},
"/accounts/{bankAccountId}/transactions": {
"get": {
"tags": [
"accounts"
],
"summary": "Get account transactions",
"description": "Returns the transactions that occurred in the given bank account.",
"operationId": "getAccountTransactions",
"parameters": [
{
"name": "token-consent-id",
"in": "header",
"description": "The Consent/Token indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "bankAccountId",
"in": "path",
"description": "The bank account identifier.",
"required": true,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "limit",
"in": "query",
"description": "The number of results per page.",
"required": false,
"style": "form",
"explode": true,
"schema": {
"minimum": 1,
"type": "integer"
}
},
{
"name": "offset",
"in": "query",
"description": "The result offset for pagination.",
"required": false,
"style": "form",
"explode": true,
"schema": {
"type": "string"
}
},
{
"name": "startDate",
"in": "query",
"description": "A filter for start booking date of transactions",
"required": false,
"style": "form",
"explode": true,
"schema": {
"type": "string",
"format": "date"
}
},
{
"name": "endDate",
"in": "query",
"description": "A filter for end booking date of transactions",
"required": false,
"style": "form",
"explode": true,
"schema": {
"type": "string",
"format": "date"
}
}
],
"responses": {
"200": {
"description": "The transaction.",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/TransactionsPage"
}
}
}
},
"401": {
"description": "Access token is missing or invalid"
},
"404": {
"description": "The specified account was not found."
},
"default": {
"description": "Unexpected error"
}
},
"security": [
{
"BasicAuth": []
},
{
"Bearer": []
}
],
"x-hideTryItPanel": true
}
},
"/accounts/{bankAccountId}/transactions/{transactionId}": {
"get": {
"tags": [
"accounts"
],
"summary": "Get account transactions for given bank",
"description": "Returns the transactions that occurred in the given bank account by their unique IDs.",
"operationId": "getAccountTransactionForId",
"parameters": [
{
"name": "token-consent-id",
"in": "header",
"description": "The consent/Token indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "token-tpp-id",
"in": "header",
"description": "The TPP indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "token-account-holder-id",
"in": "header",
"description": "The account holder indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "bankAccountId",
"in": "path",
"description": "The bank account identifier.",
"required": true,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "transactionId",
"in": "path",
"description": "The transaction identifier.",
"required": true,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
}
],
"responses": {
"200": {
"description": "The transaction.",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Transaction"
}
}
}
},
"401": {
"description": "Access token is missing or invalid"
},
"404": {
"description": "The specified account or transaction was not found."
},
"default": {
"description": "Unexpected error"
}
},
"security": [
{
"BasicAuth": []
},
{
"Bearer": []
}
],
"x-hideTryItPanel": true
}
},
"/accounts/{bankAccountId}": {
"get": {
"tags": [
"accounts"
],
"summary": "Get account",
"description": "Retrieves the given bank account.",
"operationId": "getAccount",
"parameters": [
{
"name": "token-consent-id",
"in": "header",
"description": "The Consent/Token indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "token-tpp-id",
"in": "header",
"description": "The TPP indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "token-account-holder-id",
"in": "header",
"description": "The account holder indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "bankAccountId",
"in": "path",
"description": "The bank account identifier.",
"required": true,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
}
],
"responses": {
"200": {
"description": "Account.",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/Account"
}
}
}
},
"401": {
"description": "Access token is missing or invalid"
},
"404": {
"description": "The specified account was not found."
},
"default": {
"description": "Unexpected error"
}
},
"security": [
{
"BasicAuth": []
},
{
"Bearer": []
}
],
"x-hideTryItPanel": true
},
"delete": {
"tags": [
"accounts"
],
"summary": "Delete account",
"description": "Used when a PSU at a TPP unlinks their account.",
"operationId": "deleteAccount",
"parameters": [
{
"name": "bankAccountId",
"in": "path",
"description": "The bank account identifier.",
"required": true,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
}
],
"responses": {
"204": {
"description": "No content"
},
"401": {
"description": "Access token is missing or invalid"
},
"default": {
"description": "Unexpected error"
}
},
"security": [
{
"BasicAuth": []
},
{
"Bearer": []
}
],
"x-hideTryItPanel": true
}
},
"/transfers": {
"post": {
"tags": [
"transfers"
],
"summary": "Create transfer",
"description": "Creates a transaction for a given transfer request.",
"operationId": "createTransfer",
"parameters": [
{
"name": "token-consent-id",
"in": "header",
"description": "The Consent/Token indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "token-tpp-id",
"in": "header",
"description": "The TPP indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "token-account-holder-id",
"in": "header",
"description": "The account holder indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
}
],
"requestBody": {
"description": "The transfer request.",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/TransferRequest"
}
}
},
"required": true
},
"responses": {
"200": {
"description": "The transaction.",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/TransferResponse"
}
}
}
},
"401": {
"description": "Access token is missing or invalid"
},
"404": {
"description": "The specified account was not found."
},
"default": {
"description": "Unexpected error"
}
},
"security": [
{
"BasicAuth": []
},
{
"Bearer": []
}
],
"x-hideTryItPanel": true
}
},
"/transfers/{transferId}/status": {
"get": {
"tags": [
"transfers"
],
"summary": "Get transfer status for given transfer",
"description": "Retrieves the status of a given transfer by its unique ID.",
"operationId": "getTransferStatusForId",
"parameters": [
{
"name": "token-consent-id",
"in": "header",
"description": "The Consent/Token indentifier",
"required": false,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
},
{
"name": "transferId",
"in": "path",
"description": "The transfer ID.",
"required": true,
"style": "simple",
"explode": false,
"schema": {
"type": "string"
}
}
],
"responses": {
"200": {
"description": "The transfer status.",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/TransactionStatus"
}
}
}
},
"401": {
"description": "Access token is missing or invalid"
},
"404": {
"description": "The specified transfer was not found."
},
"default": {
"description": "Unexpected error"
}
},
"security": [
{
"BasicAuth": []
},
{
"Bearer": []
}
],
"x-hideTryItPanel": true
}
},
"/health": {
"get": {
"tags": [
"health"
],
"summary": "Get health check",
"description": "Used to retrieve the current state of the bank connection.",
"operationId": "getHealthCheck",
"parameters": [
{
"name": "bankId",
"in": "query",
"description": "The token bank identifier.",
"required": false,
"style": "form",
"explode": true,
"schema": {
"type": "string"
}
}
],
"responses": {
"200": {
"description": "OK"
},
"401": {
"description": "Access token is missing or invalid"
},
"503": {
"description": "Service unavailable"
},
"default": {
"description": "Unexpected error"
}
},
"security": [
{
"BasicAuth": []
},
{
"Bearer": []
}
],
"x-hideTryItPanel": true
}
}
},
"components": {
"schemas": {
"BankAccount": {
"required": [
"account"
],
"type": "object",
"properties": {
"account": {
"description": "The bank account identifier.",
"oneOf": [
{
"$ref": "#/components/schemas/Custom"
},
{
"$ref": "#/components/schemas/Iban"
},
{
"$ref": "#/components/schemas/Domestic"
}
]
}
},
"description": "Represents Token account identifier.",
"example": {
"account": {
"custom": {
"bankId": "test",
"payload": "0123456789"
}
}
}
},
"Custom": {
"required": [
"bankId",
"payload"
],
"type": "object",
"properties": {
"bankId": {
"type": "string",
"description": "the Token bank identifier."
},
"payload": {
"type": "string",
"description": "the bank-custom account identifier."
}
},
"description": "Represents an account identifier in bank-custom format."
},
"Iban": {
"required": [
"iban"
],
"type": "object",
"properties": {
"iban": {
"type": "string",
"description": "The IBAN account number."
},
"bic": {
"type": "string",
"description": "optional BIC number for this account."
}
},
"description": "Represents an account using IBAN format."
},
"Domestic": {
"required": [
"accountNumber",
"bankCode",
"country"
],
"type": "object",
"properties": {
"bankCode": {
"type": "string",
"description": "The bank identifier."
},
"accountNumber": {
"type": "string",
"description": "The account identifier."
},
"country": {
"maxLength": 2,
"minLength": 2,
"type": "string",
"description": "2-letter ISO 3166-1 alpha-2 country code"
}
},
"description": "Represents an account in the regional format."
},
"Balance": {
"required": [
"available",
"current"
],
"type": "object",
"properties": {
"current": {
"$ref": "#/components/schemas/Money"
},
"available": {
"$ref": "#/components/schemas/Money"
},
"updatedAt": {
"type": "string",
"description": "The time of the balance",
"format": "date-time"
}
},
"description": "Represents account balance."
},
"AccountDetails": {
"required": [
"accountType",
"identifier"
],
"properties": {
"identifier": {
"type": "string",
"description": "Bank account identifier.",
"example": "0532013000"
},
"accountType": {
"type": "string",
"description": "Type of the account.",
"enum": [
"CHECKING",
"SAVING",
"LOAN",
"CARD",
"OTHER"
]
},
"status": {
"type": "string",
"description": "Status of account. E.g., \"Active/Inactive/Frozen/Dormant\".",
"example": "Active"
},
"metadata": {
"type": "array",
"description": "Additional account metadata.",
"example": [
{
"key": "APY",
"value": "0.0239"
}
],
"items": {
"$ref": "#/components/schemas/Entry"
}
}
},
"description": "Optional account details. Structure of the data is dependent on the underlying bank and is subject to change."
},
"Account": {
"required": [
"accountDetails",
"accountFeatures",
"name"
],
"properties": {
"name": {
"type": "string",
"description": "Account name."
},
"accountFeatures": {
"$ref": "#/components/schemas/Account_accountFeatures"
},
"accountDetails": {
"type": "array",
"items": {
"$ref": "#/components/schemas/AccountDetails"
}
}
},
"description": "Optional account details. Structure of the data is dependent on the underlying bank and is subject to change.",
"example": [
{
"account": {
"name": "Example Account Name",
"accountFeatures": {
"supportsInformation": "true",
"supportsSendPayment": "true",
"supportsReceivePayment": "true"
},
"accountDetails": {
"accountHolderName": "John Doe",
"type": "CARD",
"status": "Active",
"accountIdentifiers": {
"gbDomestic": {
"sortCode": "123456",
"accountNumber": "12345678"
}
}
}
}
}
]
},
"TransferRequest": {
"required": [
"destinatons",
"source",
"transactionAmount",
"transferId"
],
"type": "object",
"properties": {
"transferId": {
"type": "string",
"description": "The Token transfer identifier."
},
"transactionAmount": {
"$ref": "#/components/schemas/Money"
},
"source": {
"$ref": "#/components/schemas/BankAccount"
},
"destinations": {
"type": "array",
"items": {
"$ref": "#/components/schemas/TransferDestinations"
}
},
"description": {
"type": "string",
"description": "Optional transfer description."
},
"tokenRefId": {
"type": "string",
"description": "Reference id of the token, set by the initiator."
},
"tokenInitiatorId": {
"type": "string",
"description": "Id of the member requesting token creation."
},
"transferRefId": {
"type": "string",
"description": "Transfer reference id."
},
"metadata": {
"$ref": "#/components/schemas/TransferMetadata"
}
},
"description": "Transfer operation request."
},
"TransferResponse": {
"required": [
"status",
"statusDescription",
"transactionId"
],
"type": "object",
"properties": {
"transactionId": {
"type": "string",
"description": "The transaction id as recorded by the bank."
},
"status": {
"$ref": "#/components/schemas/TransactionStatus"
},
"statusDescription": {
"type": "string",
"description": "Human-readable status description."
},
"source": {
"$ref": "#/components/schemas/TransferEndpoint"
}
},
"description": "Transfer operation response."
},
"TransferMetadata": {
"type": "object",
"properties": {
"purposeOfPayment": {
"type": "string",
"description": "Purpose of Payment for this transfer.",
"enum": [
"OTHER",
"PERSONAL_EXPENSES",
"PURCHASE_OF_SHARES",
"TRANSFER_TO_YOUR_OWN_ACCOUNT",
"PURCHASE_OF_PROPERTY",
"FAMILY_MAINTENANCE",
"SAVINGS"
]
},
"paymentContext": {
"type": "string",
"description": "Optional payment context of this transfer.",
"enum": [
"OTHER_CONTEXT",
"BILL_PAYMENT",
"ECOMMERCE_GOODS",
"ECOMMERCE_SERVICES",
"PERSON_TO_PERSON"
]
},
"merchantCategoryCode": {
"type": "string",
"description": "Optional ISO 18245 Merchant Category Code (MCC)."
},
"merchantCustomerId": {
"description": "Optional unique merchant customer identifier."
},
"deliveryAddress": {
"$ref": "#/components/schemas/Address"
}
},
"description": "Represents additional metadata related to a transfer."
},
"Transaction": {
"required": [
"amount",
"description",
"id",
"status",
"type"
],
"type": "object",
"properties": {
"id": {
"type": "string",
"description": "The transaction identifier."
},
"type": {
"type": "string",
"description": "The transaction type.",
"enum": [
"DEBIT",
"CREDIT"
]
},
"status": {
"$ref": "#/components/schemas/TransactionStatus"
},
"amount": {
"$ref": "#/components/schemas/Money"
},
"description": {
"type": "string",
"description": "The description of the transaction."
},
"tokenId": {
"type": "string",
"description": "The token consent identifier.Points to the token, only set for Token transactions."
},
"tokenTransferId": {
"type": "string",
"description": "The token transfer identifier. Points to the token transfer, only set for Token transactions."
},
"createdAt": {
"type": "string",
"description": "The time of transaction.",
"format": "date-time"
}
},
"description": "Represents a transaction."
},
"TransactionStatus": {
"type": "string",
"description": "The transaction status.",
"enum": [
"PROCESSING",
"SUCCESS",
"FAILURE_INSUFFICIENT_FUNDS",
"FAILURE_INVALID_CURRENCY",
"FAILURE_PERMISSION_DENIED",
"FAILURE_INVALID_AMOUNT",
"FAILURE_EXPIRED",
"FAILURE_UNSUPPORTED_DESTINATION",
"FAILURE_GENERIC",
"INITIATED"
]
},
"TransactionsPage": {
"required": [
"transactions"
],
"type": "object",
"properties": {
"offset": {
"type": "string",
"description": "The page offset."
},
"transactions": {
"type": "array",
"description": "A list of transactions.",
"items": {
"$ref": "#/components/schemas/Transaction"
}
}
},
"description": "Represents a page of transactions."
},
"TransferDestinations": {
"required": [
"customerData",
"destinations"
],
"type": "object",
"properties": {
"destinations": {
"type": "array",
"description": "A list of transfer destinations.",
"items": {
"$ref": "#/components/schemas/TransferDestination"
}
},
"customerData": {
"$ref": "#/components/schemas/Customer"
}
},
"description": "A list of possible transfer destinations for a given customer."
},
"TransferDestination": {
"required": [
"destination"
],
"type": "object",
"properties": {
"scheme": {
"description": "The transfer destination details.",
"oneOf": [
{
"$ref": "#/components/schemas/SEPA"
},
{
"$ref": "#/components/schemas/FPS"
},
{
"$ref": "#/components/schemas/SWIFT"
},
{
"$ref": "#/components/schemas/ACH"
}
]
}
},
"description": "Represents payment scheme details for a given account."
},
"SEPA": {
"required": [
"iban"
],
"type": "object",
"properties": {
"iban": {
"type": "string",
"description": "International Bank Account Number."
},
"bic": {
"type": "string",
"description": "Bank Identifier Code."
}
},
"description": "Single Euro Payments Area."
},
"FPS": {
"required": [
"accountNumber",
"sortCode"
],
"type": "object",
"properties": {
"sortCode": {
"type": "string",
"description": "The sort code associated wth the account."
},
"accountNumber": {
"type": "string",
"description": "The account number."
}
},
"description": "Faster Payments Service."
},
"SWIFT": {
"required": [
"accountNumber",
"bic"
],
"type": "object",
"properties": {
"accountNumber": {
"type": "string",
"description": "The account number."
},
"bic": {
"type": "string",
"description": "Bank Identifier Code."
}
},
"description": "Society for Worldwide Interbank Financial Telecommunication."
},
"ACH": {
"required": [
"accountNumber",
"routingNumber"
],
"type": "object",
"properties": {
"accountNumber": {
"type": "integer",
"description": "The account number."
},
"routingNumber": {
"type": "integer",
"description": "The routing number."
}
},
"description": "The Automated Clearing House Network."
},
"Customer": {
"required": [
"legalNames"
],
"type": "object",
"properties": {
"legalNames": {
"type": "array",
"description": "A list of names of primary account holders.",
"items": {
"type": "string"
}
},
"address": {
"$ref": "#/components/schemas/Address"
}
},
"description": "Represents account holder information."
},
"Money": {
"required": [
"currency",
"value"
],
"type": "object",
"properties": {
"currency": {
"maxLength": 3,
"minLength": 3,
"type": "string",
"description": "ISO4217 - 3 letter currency code such as \"USD\"
# --- truncated at 32 KB (37 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/token-io/refs/heads/main/openapi/token-io-bank-integration-openapi.json