Up Accounts API

openapi: 3.2.0
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 Accounts API
  version: 1.36.0
servers:
- description: MTLS
  url: https://mtls.dh.example.com/cds-au/v1
tags:
- name: Accounts
  description: 'Accounts represent the underlying store used to track balances

    and the transactions that have occurred to modify those balances

    over time. Up currently has three types of account: `SAVER`—used to

    earn interest and to hit savings goals, `TRANSACTIONAL`—used

    for everyday spending, and `HOME_LOAN`-for those with an Up Home loan.

    '
paths:
  /accounts:
    get:
      tags:
      - Accounts
      summary: List accounts
      description: 'Retrieve a paginated list of all accounts for the currently

        authenticated user. The returned list is paginated and can be scrolled

        by following the `prev` and `next` links where present.

        '
      parameters:
      - name: page[size]
        in: query
        schema:
          type: integer
        required: false
        example: 30
        description: 'The number of records to return in each page.

          '
      - name: filter[accountType]
        in: query
        schema:
          $ref: '#/components/schemas/AccountTypeEnum'
        required: false
        example: SAVER
        description: 'The type of account for which to return records. This

          can be used to filter Savers from spending accounts.

          '
      - name: filter[ownershipType]
        in: query
        schema:
          $ref: '#/components/schemas/OwnershipTypeEnum'
        required: false
        example: INDIVIDUAL
        description: 'The account ownership structure for which to return

          records. This can be used to filter 2Up accounts from Up

          accounts.

          '
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ListAccountsResponse'
          x-up:example:
            type: exampleRequestResponse
            request:
              headers:
                Authorization: Bearer up:demo:z4qtHErGAZuuouwl
              pathParameters: {}
              queryParameters:
                page[size]: 1
              payload: null
            response:
              data:
              - type: accounts
                id: 5b54e6ef-ecf1-4c49-aa03-2104a490c849
                attributes:
                  displayName: Spending
                  accountType: TRANSACTIONAL
                  ownershipType: INDIVIDUAL
                  balance:
                    currencyCode: AUD
                    value: '1.00'
                    valueInBaseUnits: 100
                  createdAt: '2024-08-06T12:18:29+10:00'
                relationships:
                  transactions:
                    links:
                      related: https://api.up.com.au/api/v1/accounts/5b54e6ef-ecf1-4c49-aa03-2104a490c849/transactions
                links:
                  self: https://api.up.com.au/api/v1/accounts/5b54e6ef-ecf1-4c49-aa03-2104a490c849
              links:
                prev: null
                next: https://api.up.com.au/api/v1/accounts?page%5Bafter%5D=WyIyMDI0LTA4LTA2VDAyOjE4OjI5LjMwMzgzOTAwMFoiLCI1YjU0ZTZlZi1lY2YxLTRjNDktYWEwMy0yMTA0YTQ5MGM4NDkiXQ%3D%3D&page%5Bsize%5D=1
  /accounts/{id}:
    get:
      tags:
      - Accounts
      summary: Retrieve account
      description: 'Retrieve a specific account by providing its unique identifier.

        '
      parameters:
      - name: id
        in: path
        schema:
          type: string
        required: true
        example: 7699cfe5-eabd-4855-bbe7-9dfe3f70cebf
        description: 'The unique identifier for the account.

          '
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/GetAccountResponse'
          x-up:example:
            type: exampleRequestResponse
            request:
              headers:
                Authorization: Bearer up:demo:dvJloDOxw0NWMnzk
              pathParameters:
                id: e647dd54-4d10-41d0-8071-21eb0a3f6214
              queryParameters: {}
              payload: null
            response:
              data:
                type: accounts
                id: e647dd54-4d10-41d0-8071-21eb0a3f6214
                attributes:
                  displayName: 🐷 Savings
                  accountType: SAVER
                  ownershipType: INDIVIDUAL
                  balance:
                    currencyCode: AUD
                    value: '125.36'
                    valueInBaseUnits: 12536
                  createdAt: '2024-08-06T12:18:30+10:00'
                relationships:
                  transactions:
                    links:
                      related: https://api.up.com.au/api/v1/accounts/e647dd54-4d10-41d0-8071-21eb0a3f6214/transactions
                links:
                  self: https://api.up.com.au/api/v1/accounts/e647dd54-4d10-41d0-8071-21eb0a3f6214
components:
  schemas:
    AccountTypeEnum:
      enum:
      - SAVER
      - TRANSACTIONAL
      - HOME_LOAN
      description: 'Specifies the type of bank account. Currently returned values are

        `SAVER`, `TRANSACTIONAL` and `HOME_LOAN`.

        '
    OwnershipTypeEnum:
      enum:
      - INDIVIDUAL
      - JOINT
      description: 'Specifies the structure under which a bank account is owned. Currently

        returned values are `INDIVIDUAL` and `JOINT`.

        '
    MoneyObject:
      type: object
      description: 'Provides information about a value of money.

        '
      properties:
        currencyCode:
          type: string
          description: 'The ISO 4217 currency code.

            '
        value:
          type: string
          description: 'The amount of money, formatted as a string in the relevant currency.

            For example, for an Australian dollar value of $10.56, this field will

            be `"10.56"`. The currency symbol is not included in the string.

            '
        valueInBaseUnits:
          type: integer
          description: 'The amount of money in the smallest denomination for the currency, as a

            64-bit integer.  For example, for an Australian dollar value of $10.56,

            this field will be `1056`.

            '
      required:
      - currencyCode
      - value
      - valueInBaseUnits
    GetAccountResponse:
      type: object
      description: 'Successful response to get a single account.

        '
      properties:
        data:
          description: 'The account returned in this response.

            '
          allOf:
          - $ref: '#/components/schemas/AccountResource'
      required:
      - data
    AccountResource:
      type: object
      description: 'Provides information about an Up bank account.

        '
      properties:
        type:
          type: string
          description: 'The type of this resource: `accounts`'
        id:
          type: string
          description: 'The unique identifier for this account.

            '
        attributes:
          type: object
          properties:
            displayName:
              type: string
              description: 'The name associated with the account in the Up application.

                '
            accountType:
              description: 'The bank account type of this account.

                '
              allOf:
              - $ref: '#/components/schemas/AccountTypeEnum'
            ownershipType:
              description: 'The ownership structure for this account.

                '
              allOf:
              - $ref: '#/components/schemas/OwnershipTypeEnum'
            balance:
              description: 'The available balance of the account, taking into account any amounts

                that are currently on hold.

                '
              allOf:
              - $ref: '#/components/schemas/MoneyObject'
            createdAt:
              type: string
              format: date-time
              description: 'The date-time at which this account was first opened.

                '
          required:
          - displayName
          - accountType
          - ownershipType
          - balance
          - createdAt
        relationships:
          type: object
          properties:
            transactions:
              type: object
              properties:
                links:
                  type: object
                  properties:
                    related:
                      type: string
                      description: 'The link to retrieve the related resource(s) in this relationship.

                        '
                  required:
                  - related
          required:
          - transactions
        links:
          type: object
          properties:
            self:
              type: string
              description: 'The canonical link to this resource within the API.

                '
          required:
          - self
      required:
      - type
      - id
      - attributes
      - relationships
    ListAccountsResponse:
      type: object
      description: 'Successful response to get all accounts. This returns a paginated list of

        accounts, which can be scrolled by following the `prev` and `next` links

        if present.

        '
      properties:
        data:
          type: array
          items:
            $ref: '#/components/schemas/AccountResource'
          description: 'The list of accounts returned in this response.

            '
        links:
          type: object
          properties:
            prev:
              type:
              - string
              - 'null'
              description: 'The link to the previous page in the results. If this value is `null`

                there is no previous page.

                '
            next:
              type:
              - string
              - 'null'
              description: 'The link to the next page in the results. If this value is `null`

                there is no next page.

                '
          required:
          - prev
          - next
      required:
      - data
      - links