Weatherbys Bank PCA API

openapi: 3.2.0
info:
  version: v2.4
  title: Open Data PCA API
  description: Latest Swagger specification for OpenData Personal Current Account data
servers:
- url: https://developer.openbanking.org.uk/open-banking/v2.4
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.v2.4+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:
                      properties:
                        Brand:
                          description: Brand registered by the banking group at https://register.fca.org.uk/
                          type: array
                          title: Brand
                          items:
                            description: Brand registered by the banking group at https://register.fca.org.uk/
                            type: object
                            properties:
                              BrandName:
                                description: Brand Name that an organisation uses to market its products or services to a consumer as registered at https://register.fca.org.uk/
                                title: BrandName
                                type: string
                                minLength: 1
                                maxLength: 140
                              PCA:
                                description: "PCA' means a personal current account. That is an account marketed to individuals rather than businesses, which provides the facility to place funds, withdraw cash, hold deposits and to execute payment transaction to and from third parties but does not include any of the following types of accounts: \n(a) an account in which money is held on deposit in a currency other than sterling;  (b) current account mortgage, ie a single account comprising both a personal current account and a mortgage, which is regulated and marketed principally as a mortgage;  \n(c) savings accounts (including instant access savings accounts);  \n(d) credit card accounts where funds are usually paid in for the sole purpose of repaying a credit card debt; and \n(e) e-money accounts."
                                type: array
                                title: PCA
                                items:
                                  description: "PCA' means a personal current account. That is an account marketed to individuals rather than businesses, which provides the facility to place funds, withdraw cash, hold deposits and to execute payment transaction to and from third parties but does not include any of the following types of accounts: \n(a) an account in which money is held on deposit in a currency other than sterling;  (b) current account mortgage, ie a single account comprising both a personal current account and a mortgage, which is regulated and marketed principally as a mortgage;  \n(c) savings accounts (including instant access savings accounts);  \n(d) credit card accounts where funds are usually paid in for the sole purpose of repaying a credit card debt; and \n(e) e-money accounts."
                                  type: object
                                  properties:
                                    Name:
                                      description: The name of the PCA product used for marketing purposes from a customer perspective. I.e. what the customer would recognise.
                                      title: Name
                                      type: string
                                      minLength: 1
                                      maxLength: 350
                                    Identification:
                                      description: The unique ID that has been internally assigned by the financial institution to each of the current account banking products they market to their retail and/or small to medium enterprise (SME) customers.
                                      title: Identification
                                      type: string
                                      minLength: 1
                                      maxLength: 40
                                    Segment:
                                      description: "Market segmentation is a marketing term referring to the aggregating of prospective buyers into groups, or segments, that have common needs and respond similarly to a marketing action. Market segmentation enables companies to target different categories of consumers who perceive the full value of certain products and services differently from one another.\n\nRead more: Market Segmentation http://www.investopedia.com/terms/m/marketsegmentation.asp#ixzz4gfEEalTd \nFollow us: Investopedia on Facebook\n\nWith respect to PCA products, they are segmented in relation to different markets that they wish to focus on. For example, Basic PCA products target consumers with poor credit history, Reward PCA products target consumers who spend a lot, and Premium products target High Net Worth individuals."
                                      title: Segment
                                      type: array
                                      items:
                                        description: "Market segmentation is a marketing term referring to the aggregating of prospective buyers into groups, or segments, that have common needs and respond similarly to a marketing action. Market segmentation enables companies to target different categories of consumers who perceive the full value of certain products and services differently from one another.\n\nRead more: Market Segmentation http://www.investopedia.com/terms/m/marketsegmentation.asp#ixzz4gfEEalTd \nFollow us: Investopedia on Facebook\n\nWith respect to PCA products, they are segmented in relation to different markets that they wish to focus on. For example, Basic PCA products target consumers with poor credit history, Reward PCA products target consumers who spend a lot, and Premium products target High Net Worth individuals."
                                        type: string
                                        enum:
                                        - Basic
                                        - BenefitAndReward
                                        - CreditInterest
                                        - Cashback
                                        - General
                                        - Graduate
                                        - Other
                                        - Overdraft
                                        - Packaged
                                        - Premium
                                        - Reward
                                        - Student
                                        - YoungAdult
                                        - Youth
                                    OnSaleIndicator:
                                      description: Indicates that the published product is OnSale(value 1) or Back Book (value 0)
                                      title: OnSaleIndicator
                                      type: boolean
                                    Notes:
                                      description: Optional additional notes to supplement the product details
                                      title: Notes
                                      type: array
                                      items:
                                        description: maxLength 2000 text
                                        type: string
                                        minLength: 1
                                        maxLength: 2000
                                    PCAMarketingState:
                                      description: Describes the type of the known state (regular, promotional )  of the product.
                                      type: array
                                      title: PCAMarketingState
                                      items:
                                        description: Describes the type of the known state (regular, promotional )  of the product.
                                        type: object
                                        properties:
                                          Identification:
                                            description: Unique and unambiguous identification of a  Eligibility Marketing state.
                                            title: Identification
                                            type: string
                                            minLength: 1
                                            maxLength: 35
                                          PredecessorID:
                                            description: Identifies the marketing state that precedes this marketing state
                                            title: PredecessorID
                                            type: string
                                            minLength: 1
                                            maxLength: 35
                                          MarketingState:
                                            description: Describes the marketing state (regular or promotional) for which the eligibility criteria applies
                                            title: MarketingState
                                            type: string
                                            enum:
                                            - Promotional
                                            - Regular
                                          FirstMarketedDate:
                                            description: Marketing state start date
                                            title: FirstMarketedDate
                                            type: string
                                            format: date
                                          LastMarketedDate:
                                            description: Marketing state end date
                                            title: LastMarketedDate
                                            type: string
                                            format: date
                                          StateTenureLength:
                                            description: The length/duration of a promotional state
                                            title: StateTenureLength
                                            type: number
                                            format: float
                                          StateTenurePeriod:
                                            description: The unit of period (days, weeks, months etc.) of the promotional length
                                            title: StateTenurePeriod
                                            type: string
                                            enum:
                                            - Day
                                            - Half Year
                                            - Month
                                            - Quarter
                                            - Week
                                            - AcademicTerm
                                            - Year
                                          Notes:
                                            description: Free text for adding details for marketing state
                                            title: Notes
                                            type: array
                                            items:
                                              description: maxLength 2000 text
                                              type: string
                                              minLength: 1
                                              maxLength: 2000
                                          CreditInterest:
                                            description: Details about the interest that may be payable to the PCA account holders
                                            type: object
                                            title: CreditInterest
                                            properties:
                                              TierBandSet:
                                                description: The group of tiers or bands for which credit interest can be applied.
                                                type: array
                                                title: TierBandSet
                                                items:
                                                  description: The group of tiers or bands for which credit interest can be applied.
                                                  type: object
                                                  properties:
                                                    TierBandMethod:
                                                      description: 'The methodology of how credit interest is paid/applied. It can be:-


                                                        1. Banded

                                                        Interest rates are banded. i.e. Increasing rate on whole balance as balance increases.


                                                        2. Tiered

                                                        Interest rates are tiered. i.e. increasing rate for each tier as balance increases, but interest paid on tier fixed for that tier and not on whole balance.


                                                        3. Whole

                                                        The same interest rate is applied irrespective of the PCA balance'
                                                      title: TierBandMethod
                                                      type: string
                                                      enum:
                                                      - Tiered
                                                      - Whole
                                                    CalculationMethod:
                                                      description: Methods of calculating interest
                                                      title: CalculationMethod
                                                      type: string
                                                      enum:
                                                      - Compound
                                                      - SimpleInterest
                                                    Destination:
                                                      description: Describes whether accrued interest is payable only to the PCA or to another bank account
                                                      title: Destination
                                                      type: string
                                                      enum:
                                                      - PayAway
                                                      - SelfCredit
                                                    Notes:
                                                      description: Optional additional notes to supplement the Tier Band Set details
                                                      title: Notes
                                                      type: array
                                                      items:
                                                        description: maxLength 2000 text
                                                        type: string
                                                        minLength: 1
                                                        maxLength: 2000
                                                    TierBand:
                                                      description: Tier Band Details
                                                      type: array
                                                      title: TierBand
                                                      items:
                                                        description: Tier Band Details
                                                        type: object
                                                        properties:
                                                          Identification:
                                                            description: Unique and unambiguous identification of a  Tier Band for a PCA.
                                                            title: Identification
                                                            type: string
                                                            minLength: 1
                                                            maxLength: 35
                                                          TierValueMinimum:
                                                            description: Minimum deposit value for which the credit interest tier applies.
                                                            title: TierValueMinimum
                                                            type: string
                                                            pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
                                                          TierValueMaximum:
                                                            description: Maximum deposit value for which the credit interest tier applies.
                                                            title: TierValueMaximum
                                                            type: string
                                                            pattern: ^(-?\d{1,14}){1}(\.\d{1,4}){0,1}$
                                                          CalculationFrequency:
                                                            description: How often is credit interest calculated for the account.
                                                            title: CalculationFrequency
                                                            type: string
                                                            enum:
                                                            - PerAcademicTerm
                                                            - Daily
                                                            - HalfYearly
                                                            - Monthly
                                                            - Other
                                                            - Quarterly
                                                            - PerStatementDate
                                                            - Weekly
                                                            - Yearly
                                                          ApplicationFrequency:
                                                            description: How often is interest applied to the PCA for this tier/band i.e. how often the financial institution pays accumulated interest to the customer's PCA.
                                                            title: ApplicationFrequency
                                                            type: string
                                                            enum:
                                                            - PerAcademicTerm
                                                            - Daily
                                                            - HalfYearly
                                                            - Monthly
                                                            - Other
                                                            - Quarterly
                                                            - PerStatementDate
                                                            - Weekly
                                                            - Yearly
                                                          DepositInterestAppliedCoverage:
                                                            description: Amount on which Interest applied.
                                                            title: DepositInterestAppliedCoverage
                                                            type: string
                                                            enum:
                                                            - Tiered
                                                            - Whole
                                                          FixedVariableInterestRateType:
                                                            description: Type of interest rate, Fixed or Variable
                                                            title: FixedVariableInterestRateType
                                                            type: string
                                                            enum:
                                                            - Fixed
                                                            - Variable
                                                          AER:
                                                            description: "The annual equivalent rate (AER) is interest that is calculated under the assumption that any interest paid is combined with the original balance and the next interest payment will be based on the slightly higher account balance. Overall, this means that interest can be compounded several times in a year depending on the number of times that interest payments are made. \n\nRead more: Annual Equivalent Rate (AER) http://www.investopedia.com/terms/a/aer.asp#ixzz4gfR7IO1A"
                                                            title: AER
                                                            type: string
                                                            pattern: ^(-?\d{1,3}){1}(\.\d{1,4}){0,1}$
                                                          BankInterestRateType:
                                                            description: Interest rate types, other than AER, which financial institutions may use to describe the annual interest rate payable to the PCA.
                                                            title: BankInterestRateType
                                                            type: string
                                                            enum:
                                                            - LinkedBaseRate
                                                            - Gross
                                                            - Net
                                                            - Other
                                                          BankInterestRate:
                                                            description: Bank Interest for the PCA product
                                                            title: BankInterestRate
                                                            type: string
                                                            pattern: ^(-?\d{1,3}){1}(\.\d{1,4}){0,1}$
                                                          Notes:
                                                            description: Optional additional notes to supplement the Tier Band details
                                                            title: Notes
                                                            type: array
                                                            items:
                                                              description: maxLength 2000 text
                                                              type: string
                                                              minLength: 1
                                                              maxLength: 2000
                                                          OtherBankInterestType:
                                                            description: Other interest rate types which are not available in the standard code list
                                                            type: object
                                                            title: OtherBankInterestType
                                                            properties:
                                                              Code:
                                                                description: The four letter Mnemonic used within an XML file to identify a code
                                                                title: Code
                                                                type: string
                                                                pattern: ^\w{0,4}$
                                                                minLength: 0
                                                                maxLength: 4
                                                              Name:
                                                                description: Long name associated with the code
                                                                title: Name
                                                                type: string
                                                                minLength: 1
                                                                maxLength: 70
                                                              Description:
                                                                description: Description to describe the purpose of the code
                                                                title: Description
                                                                type: string
                                                                minLength: 1
                                                                maxLength: 350
                                                            additionalProperties: false
                                                            required:
                                                            - Name
                                                            - Description
                                                          OtherApplicationFrequency:
                                                            description: Other application frequencies that are not available in the standard code list
                                                            type: object
                                                            title: OtherApplicationFrequency
                                                            properties:
                                                              Code:
                                                                description: The four letter Mnemonic used within an XML file to identify a code
                                                                title: Code
                                                                type: string
                                                                pattern: ^\w{0,4}$
                                                                minLength: 0
                                                                maxLength: 4
                                                              Name:
                                                                description: Long name associated with the code
                                                                title: Name
                                                                type: string
                                                                minLength: 1
                                                                maxLength: 70
                                                              Description:
                                                                description: Description to describe the purpose of the code
                                                                title: Description
                                                                type: string
                                                                minLength: 1
                                                                maxLength: 350
                                                            additionalProperties: false
                                                            required:
                                                            - Name
                                                            - Description
                                                          OtherCalculationFrequency:
                                                            description: Other calculation frequency which is not available in the standard code set.
                                                            type: object
                                                            title: OtherCalculationFrequency
                                                            properties:
                                                              Code:
                                                                description: The four letter Mnemonic used within an XML file to identify a code
                       

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