ResponseBankingAccountByIdV5

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/amp-bank/main/json-schema/amp-bank-response-banking-account-by-id-v5-schema.json",
  "title": "ResponseBankingAccountByIdV5",
  "x-generated": "2026-10-20",
  "x-method": "derived",
  "x-generator": "derive-json-schema.py",
  "x-source": "openapi/amp-bank-banking-accounts-api-openapi.yml#/components/schemas/ResponseBankingAccountByIdV5",
  "properties": {
    "data": {
      "$ref": "#/$defs/BankingAccountDetailV5"
    },
    "links": {
      "$ref": "#/$defs/Links"
    },
    "meta": {
      "type": "object"
    }
  },
  "required": [
    "data",
    "links"
  ],
  "type": "object",
  "$defs": {
    "BankingAccountDetailV5": {
      "allOf": [
        {
          "$ref": "#/$defs/BankingAccountV3"
        },
        {
          "$ref": "#/$defs/BankingAccountDetailV5_allOf"
        }
      ]
    },
    "BankingAccountDetailV5_allOf": {
      "properties": {
        "bsb": {
          "description": "The unmasked BSB for the account. Is expected to be formatted as digits only with leading zeros included and no punctuation or spaces.",
          "type": "string"
        },
        "accountNumber": {
          "description": "The unmasked account number for the account. Should not be supplied if the account number is a PAN requiring PCI compliance. Is expected to be formatted as digits only with leading zeros included and no punctuation or spaces.",
          "type": "string"
        },
        "bundleName": {
          "description": "Optional field to indicate if this account is part of a bundle that is providing additional benefit to the customer.",
          "type": "string"
        },
        "instalments": {
          "$ref": "#/$defs/BankingProductInstalments"
        },
        "specificAccountUType": {
          "description": "The type of structure to present account specific fields.",
          "enum": [
            "creditCard",
            "loan",
            "termDeposit"
          ],
          "type": "string"
        },
        "termDeposit": {
          "description": "Mandatory if the _specificAccountUType_ value is `termDeposit`.",
          "items": {
            "$ref": "#/$defs/BankingTermDepositAccount"
          },
          "type": "array"
        },
        "creditCard": {
          "allOf": [
            {
              "$ref": "#/$defs/BankingCreditCardAccount"
            }
          ],
          "description": "Mandatory if the _specificAccountUType_ value is `creditCard`."
        },
        "loan": {
          "allOf": [
            {
              "$ref": "#/$defs/BankingLoanAccountV3"
            }
          ],
          "description": "Mandatory if the _specificAccountUType_ value is `loan`."
        },
        "depositRate": {
          "description": "Current rate to calculate interest earned being applied to deposit balances as it stands at the time of the API call.",
          "type": "string",
          "x-cds-type": "RateString"
        },
        "lendingRate": {
          "description": "The current rate to calculate interest payable being applied to lending balances as it stands at the time of the API call.",
          "type": "string",
          "x-cds-type": "RateString"
        },
        "depositRates": {
          "description": "Fully described deposit rates for this account based on the equivalent structure in Product Reference.",
          "items": {
            "$ref": "#/$defs/BankingProductDepositRateV2"
          },
          "type": "array"
        },
        "lendingRates": {
          "description": "Fully described lending rates for this account based on the equivalent structure in Product Reference.",
          "items": {
            "$ref": "#/$defs/BankingProductLendingRateV3"
          },
          "type": "array"
        },
        "features": {
          "description": "Array of features of the account based on the equivalent structure in Product Reference with the following additional field.",
          "items": {
            "allOf": [
              {
                "$ref": "#/$defs/BankingProductFeatureV4"
              },
              {
                "properties": {
                  "isActivated": {
                    "default": "UNKNOWN",
                    "description": "<ul><li>`ACTIVATED` if the feature has been activated by the customer or is a standard feature of the product</li><li>`NOT_ACTIVATED` if the feature is not activated but is available for activation</li><li>`UNKNOWN` or absent if the activation state is unknown.</ul>**Note:** This is an additional field appended to the feature structure defined in the Product Reference payload.",
                    "enum": [
                      "ACTIVATED",
                      "NOT_ACTIVATED",
                      "UNKNOWN"
                    ],
                    "type": "string"
                  }
                },
                "type": "object"
              }
            ],
            "type": "object"
          },
          "type": "array"
        },
        "fees": {
          "description": "Fees and charges applicable to the account based on the equivalent structure in Product Reference.",
          "items": {
            "$ref": "#/$defs/BankingProductFeeV2"
          },
          "type": "array"
        },
        "addresses": {
          "description": "The addresses for the account to be used for correspondence.",
          "items": {
            "$ref": "#/$defs/CommonPhysicalAddress"
          },
          "type": "array"
        }
      },
      "type": "object",
      "x-conditional": [
        "termDeposit",
        "creditCard",
        "loan"
      ]
    },
    "BankingAccountId": {
      "description": "A unique identifier for a Banking account, generated according to [CDR ID Permanence](#id-permanence) requirements.",
      "type": "string",
      "x-cds-type": "ASCIIString"
    },
    "BankingAccountV3": {
      "properties": {
        "accountId": {
          "allOf": [
            {
              "$ref": "#/$defs/BankingAccountId"
            }
          ],
          "description": "Unique identifier for the account."
        },
        "creationDate": {
          "description": "Date that the account was created (if known).",
          "type": "string",
          "x-cds-type": "DateString"
        },
        "displayName": {
          "description": "The display name of the account as defined by the bank. This should not incorporate account numbers or PANs. If it does the values should be masked according to the rules of the [MaskedAccountString](#common-field-types) common type.",
          "type": "string"
        },
        "nickname": {
          "description": "A customer supplied nickname for the account.",
          "type": "string"
        },
        "openStatus": {
          "default": "OPEN",
          "description": "Open or closed status for the account. If not present then `OPEN` is assumed.",
          "enum": [
            "CLOSED",
            "OPEN"
          ],
          "type": "string"
        },
        "isOwned": {
          "default": true,
          "description": "Flag indicating that the customer associated with the authorisation is an owner of the account. Does not indicate sole ownership, however. If not present then `true` is assumed.",
          "type": "boolean"
        },
        "accountOwnership": {
          "description": "Value indicating the number of customers that have ownership of the account, according to the data holder's definition of account ownership. Does not indicate that all account owners are eligible consumers.",
          "enum": [
            "UNKNOWN",
            "ONE_PARTY",
            "TWO_PARTY",
            "MANY_PARTY",
            "OTHER"
          ],
          "type": "string"
        },
        "maskedNumber": {
          "description": "A masked version of the account. Whether BSB/Account Number, Credit Card PAN or another number.",
          "type": "string",
          "x-cds-type": "MaskedAccountString"
        },
        "productCategory": {
          "$ref": "#/$defs/BankingProductCategoryV2"
        },
        "productName": {
          "description": "The unique identifier of the account as defined by the data holder (akin to model number for the account).",
          "type": "string"
        },
        "isInstalmentDetailAvailable": {
          "default": false,
          "description": "`true` if any active or inactive instalment plans are available in the Get Instalment Plans endpoints. `false` if instalment plans are not applicable to the account.",
          "type": "boolean"
        }
      },
      "required": [
        "accountId",
        "accountOwnership",
        "displayName",
        "maskedNumber",
        "productCategory",
        "productName"
      ],
      "type": "object"
    },
    "BankingCreditCardAccount": {
      "properties": {
        "minPaymentAmount": {
          "description": "The minimum payment amount due for the next card payment.",
          "type": "string",
          "x-cds-type": "AmountString"
        },
        "paymentDueAmount": {
          "description": "The amount due for the next card payment.",
          "type": "string",
          "x-cds-type": "AmountString"
        },
        "paymentCurrency": {
          "default": "AUD",
          "description": "If absent assumes `AUD`.",
          "type": "string",
          "x-cds-type": "CurrencyString"
        },
        "paymentDueDate": {
          "description": "Date that the next payment for the card is due.",
          "type": "string",
          "x-cds-type": "DateString"
        }
      },
      "required": [
        "minPaymentAmount",
        "paymentDueAmount",
        "paymentDueDate"
      ],
      "type": "object"
    },
    "BankingFeeAmount": {
      "properties": {
        "amount": {
          "description": "The specific amount charged for the fee each time it is incurred.",
          "type": "string",
          "x-cds-type": "AmountString"
        }
      },
      "required": [
        "amount"
      ],
      "type": "object"
    },
    "BankingFeeDiscountAmount": {
      "properties": {
        "amount": {
          "description": "The specific amount discounted from the fee each time it is incurred.",
          "type": "string",
          "x-cds-type": "AmountString"
        }
      },
      "required": [
        "amount"
      ],
      "type": "object"
    },
    "BankingFeeDiscountRange": {
      "description": "A minimum or maximum fee discount amount where a specific fixed amount is not known until the fee is incurred.",
      "properties": {
        "discountMinimum": {
          "description": "The minimum fee discount that will be applied per occurrence.",
          "type": "string",
          "x-cds-type": "AmountString"
        },
        "discountMaximum": {
          "description": "The maximum fee discount that will be applied per occurrence.",
          "type": "string",
          "x-cds-type": "AmountString"
        }
      },
      "type": "object"
    },
    "BankingFeeDiscountRate": {
      "properties": {
        "rateType": {
          "description": "Type of fee rate discount calculation.<ul><li>`BALANCE` A fee rate discount based on a balance</li><li>`FEE` A fee rate discount based on the fee to which the discount is attached</li><li>`INTEREST_ACCRUED` A fee rate discount based on interest accrued</li><li>`TRANSACTION` A fee rate discount based on a transaction.</li></ul>",
          "enum": [
            "BALANCE",
            "FEE",
            "INTEREST_ACCRUED",
            "TRANSACTION"
          ],
          "type": "string"
        },
        "rate": {
          "description": "The fee rate discount calculated according to the _rateType_.",
          "type": "string",
          "x-cds-type": "RateString"
        },
        "amountRange": {
          "$ref": "#/$defs/BankingFeeDiscountRange"
        }
      },
      "required": [
        "rate",
        "rateType"
      ],
      "type": "object"
    },
    "BankingFeeRange": {
      "description": "A minimum or maximum fee amount where a specific fixed amount is not known until the fee is incurred.",
      "properties": {
        "feeMinimum": {
          "description": "The minimum fee that will be charged per occurrence.",
          "type": "string",
          "x-cds-type": "AmountString"
        },
        "feeMaximum": {
          "description": "The maximum fee that will be charged per occurrence.",
          "type": "string",
          "x-cds-type": "AmountString"
        }
      },
      "type": "object"
    },
    "BankingFeeRate": {
      "properties": {
        "rateType": {
          "description": "Type of fee rate calculation.<ul><li>`BALANCE` A fee rate based on a balance</li><li>`INTEREST_ACCRUED` A fee rate based on interest accrued</li><li>`TRANSACTION` A fee rate based on a transaction.</li></ul>",
          "enum": [
            "BALANCE",
            "INTEREST_ACCRUED",
            "TRANSACTION"
          ],
          "type": "string"
        },
        "rate": {
          "description": "The fee rate calculated according to the _rateType_.",
          "type": "string",
          "x-cds-type": "RateString"
        },
        "accrualFrequency": {
          "description": "The indicative frequency with which the fee is calculated on the account if applicable. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).",
          "type": "string",
          "x-cds-type": "ExternalRef"
        },
        "amountRange": {
          "$ref": "#/$defs/BankingFeeRange"
        }
      },
      "required": [
        "rate",
        "rateType"
      ],
      "type": "object",
      "x-conditional": [
        "balanceRate",
        "transactionRate",
        "accruedRate"
      ]
    },
    "BankingLoanAccountV3": {
      "properties": {
        "originalStartDate": {
          "description": "Optional original start date for the loan.",
          "type": "string",
          "x-cds-type": "DateString"
        },
        "originalLoanAmount": {
          "description": "Optional original loan value.",
          "type": "string",
          "x-cds-type": "AmountString"
        },
        "originalLoanCurrency": {
          "default": "AUD",
          "description": "If absent assumes `AUD`.",
          "type": "string",
          "x-cds-type": "CurrencyString"
        },
        "loanEndDate": {
          "description": "Date that the loan is due to be repaid in full.",
          "type": "string",
          "x-cds-type": "DateString"
        },
        "nextInstalmentDate": {
          "description": "Next date that an instalment is required.",
          "type": "string",
          "x-cds-type": "DateString"
        },
        "minInstalmentAmount": {
          "description": "Minimum amount of next instalment.",
          "type": "string",
          "x-cds-type": "AmountString"
        },
        "minInstalmentCurrency": {
          "default": "AUD",
          "description": "If absent assumes `AUD`.",
          "type": "string",
          "x-cds-type": "CurrencyString"
        },
        "maxRedraw": {
          "description": "Maximum amount of funds that can be redrawn. If not present redraw is not available even if the feature exists for the account.",
          "type": "string",
          "x-cds-type": "AmountString"
        },
        "maxRedrawCurrency": {
          "default": "AUD",
          "description": "If absent assumes `AUD`.",
          "type": "string",
          "x-cds-type": "CurrencyString"
        },
        "minRedraw": {
          "description": "Minimum redraw amount.",
          "type": "string",
          "x-cds-type": "AmountString"
        },
        "minRedrawCurrency": {
          "default": "AUD",
          "description": "If absent assumes `AUD`.",
          "type": "string",
          "x-cds-type": "CurrencyString"
        },
        "offsetAccountEnabled": {
          "description": "Set to `true` if one or more offset accounts are configured for this loan account.",
          "type": "boolean"
        },
        "offsetAccountIds": {
          "description": "The _accountId_ values of the configured offset accounts attached to this loan. Only offset accounts that can be accessed under the current authorisation should be included. It is expected behaviour that _offsetAccountEnabled_ is set to `true` but the _offsetAccountIds_ field is absent or empty. This represents a situation where an offset account exists but details can not be accessed under the current authorisation.",
          "items": {
            "$ref": "#/$defs/BankingAccountId"
          },
          "type": "array"
        },
        "repaymentType": {
          "description": "Option in place for repayments.",
          "enum": [
            "INTEREST_ONLY",
            "OTHER",
            "PRINCIPAL_AND_INTEREST",
            "UNCONSTRAINED"
          ],
          "type": "string"
        },
        "repaymentFrequency": {
          "description": "The expected or required repayment frequency. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).",
          "type": "string",
          "x-cds-type": "ExternalRef"
        }
      },
      "required": [
        "repaymentType"
      ],
      "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"
    },
    "BankingProductDepositRateV2": {
      "properties": {
        "depositRateType": {
          "description": "The type of rate (`FIXED`, `VARIABLE`, `BONUS`, etc.) For further details, refer to [Product Deposit Rate Types](#tocSproductdepositratetypedoc).",
          "enum": [
            "BONUS",
            "BUNDLE_BONUS",
            "FIXED",
            "FLOATING",
            "INTRODUCTORY",
            "MARKET_LINKED",
            "VARIABLE"
          ],
          "type": "string"
        },
        "rate": {
          "description": "The rate to be applied.",
          "type": "string",
          "x-cds-type": "RateString"
        },
        "calculationFrequency": {
          "description": "The period after which the rate is applied to the balance to calculate the amount due for the period. Calculation of the amount is often daily (as balances may change) but accumulated until the total amount is 'applied' to the account (see _applicationFrequency_). Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).",
          "type": "string",
          "x-cds-type": "ExternalRef"
        },
        "applicationType": {
          "description": "The type of approach used to apply the rate to the account.",
          "enum": [
            "MATURITY",
            "PERIODIC",
            "UPFRONT"
          ],
          "type": "string"
        },
        "applicationFrequency": {
          "description": "The period after which the calculated amount(s) (see _calculationFrequency_) are 'applied' (i.e. debited or credited) to the account. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax). Mandatory if the _applicationType_ value is `PERIODIC`.",
          "type": "string",
          "x-cds-type": "ExternalRef"
        },
        "tiers": {
          "description": "Qualifying criteria or conditions relevant to the associated rate.",
          "items": {
            "$ref": "#/$defs/BankingProductRateTierV4"
          },
          "type": "array"
        },
        "applicabilityConditions": {
          "description": "Applicability conditions for the rate.",
          "items": {
            "$ref": "#/$defs/BankingProductRateConditionV2"
          },
          "type": "array"
        },
        "additionalValue": {
          "description": "Generic field containing additional information relevant to the [_depositRateType_](#tocSproductdepositratetypedoc) specified. Whether mandatory or not is dependent on the value of [_depositRateType_](#tocSproductdepositratetypedoc).",
          "type": "string"
        },
        "additionalInfo": {
          "description": "Display text providing more information on the rate.",
          "type": "string"
        },
        "additionalInfoUri": {
          "description": "Link to a web page with more information on this rate.",
          "type": "string",
          "x-cds-type": "URIString"
        }
      },
      "required": [
        "applicationType",
        "depositRateType",
        "rate"
      ],
      "type": "object",
      "x-conditional": [
        "additionalValue",
        "applicationFrequency"
      ]
    },
    "BankingProductDiscountEligibility": {
      "properties": {
        "discountEligibilityType": {
          "description": "The type of the specific eligibility constraint for a discount. For further details, refer to [Product Discount Eligibility Types](#tocSproductdiscounteligibilitydoc).",
          "enum": [
            "BUSINESS",
            "EMPLOYMENT_STATUS",
            "INTRODUCTORY",
            "MAX_AGE",
            "MIN_AGE",
            "MIN_INCOME",
            "MIN_TURNOVER",
            "NATURAL_PERSON",
            "OTHER",
            "PENSION_RECIPIENT",
            "RESIDENCY_STATUS",
            "STAFF",
            "STUDENT"
          ],
          "type": "string"
        },
        "additionalValue": {
          "description": "Generic field containing additional information relevant to the [_discountEligibilityType_](#tocSproductdiscounteligibilitydoc) specified. Whether mandatory or not is dependent on the value of [_discountEligibilityType_](#tocSproductdiscounteligibilitydoc).",
          "type": "string"
        },
        "additionalInfo": {
          "description": "Display text providing more information on this eligibility constraint. Mandatory if the [_discountEligibilityType_](#tocSproductdiscounteligibilitydoc) value is `OTHER`.",
          "type": "string"
        },
        "additionalInfoUri": {
          "description": "Link to a web page with more information on this eligibility constraint.",
          "type": "string",
          "x-cds-type": "URIString"
        }
      },
      "required": [
        "discountEligibilityType"
      ],
      "type": "object",
      "x-conditional": [
        "additionalInfo",
        "additionalValue"
      ]
    },
    "BankingProductDiscountV2": {
      "description": "Note that the currency of the fee discount is expected to be the same as the currency of the fee itself.",
      "properties": {
        "description": {
          "description": "Description of the discount.",
          "type": "string"
        },
        "discountType": {
          "description": "The type of discount. For further details, refer to [Product Discount Types](#tocSproductdiscounttypedoc).",
          "enum": [
            "BALANCE",
            "DEPOSITS",
            "ELIGIBILITY_ONLY",
            "FEE_CAP",
            "PAYMENTS"
          ],
          "type": "string"
        },
        "discountMethodUType": {
          "description": "Reference to the applicable fee discount method structure.",
          "enum": [
            "fixedAmount",
            "rateBased"
          ],
          "type": "string"
        },
        "fixedAmount": {
          "allOf": [
            {
              "$ref": "#/$defs/BankingFeeDiscountAmount"
            }
          ],
          "description": "Mandatory if the _discountMethodUType_ value is `fixedAmount`. Where the discount is a specific amount."
        },
        "rateBased": {
          "allOf": [
            {
              "$ref": "#/$defs/BankingFeeDiscountRate"
            }
          ],
          "description": "Mandatory if the _discountMethodUType_ value is `rateBased`. Where the discount is based on a type of rate. Unless noted in _additionalInfo_, assumes the application and calculation frequency are the same as the corresponding fee."
        },
        "additionalValue": {
          "description": "Generic field containing additional information relevant to the [_discountType_](#tocSproductdiscounttypedoc) specified. Whether mandatory or not is dependent on the value of [_discountType_](#tocSproductdiscounttypedoc).",
          "type": "string"
        },
        "additionalInfo": {
          "description": "Display text providing more information on the discount.",
          "type": "string"
        },
        "additionalInfoUri": {
          "description": "Link to a web page with more information on this discount.",
          "type": "string",
          "x-cds-type": "URIString"
        },
        "eligibility": {
          "description": "Eligibility constraints that apply to this discount. Mandatory if the [_discountType_](#tocSproductdiscounttypedoc) value is `ELIGIBILITY_ONLY`.",
          "items": {
            "$ref": "#/$defs/BankingProductDiscountEligibility"
          },
          "type": "array"
        }
      },
      "required": [
        "description",
        "discountMethodUType",
        "discountType"
      ],
      "type": "object",
      "x-conditional": [
        "fixedAmount",
        "rateBased",
        "additionalValue",
        "eligibility"
      ]
    },
    "BankingProductFeatureV4": {
      "properties": {
        "featureType": {
          "description": "The type of feature described. For further details, refer to [Product Feature Types](#tocSproductfeaturetypedoc).",
          "enum": [
            "ADDITIONAL_CARDS",
            "BALANCE_TRANSFERS",
            "BILL_PAYMENT",
            "BONUS_REWARDS",
            "CARD_ACCESS",
            "CASHBACK_OFFER",
            "COMPLEMENTARY_PRODUCT_DISCOUNTS",
            "EXTRA_DOWN_PAYMENT",
            "DIGITAL_BANKING",
            "DIGITAL_WALLET",
            "DONATE_INTEREST",
            "EXTRA_REPAYMENTS",
            "FRAUD_PROTECTION",
            "FREE_TXNS",
            "FREE_TXNS_ALLOWANCE",
            "FUNDS_AVAILABLE_AFTER",
            "GUARANTOR",
            "INSTALMENT_PLAN",
            "INSURANCE",
            "INTEREST_FREE",
            "INTEREST_FREE_TRANSFERS",
            "LOYALTY_PROGRAM",
            "NOTIFICATIONS",
            "NPP_ENABLED",
            "NPP_PAYID",
            "OFFSET",
            "OTHER",
            "OVERDRAFT",
            "REDRAW",
            "RELATIONSHIP_MANAGEMENT",
            "UNLIMITED_TXNS"
          ],
          "type": "string"
        },
        "additionalValue": {
          "description": "Generic field containing additional information relevant to the [_featureType_](#tocSproductfeaturetypedoc) specified. Whether mandatory or not is dependent on the value of the [_featureType_](#tocSproductfeaturetypedoc).",
          "type": "string"
        },
        "additionalInfo": {
          "description": "Display text providing more information on the feature. Mandatory if the [_featureType_](#tocSproductfeaturetypedoc) value is `OTHER`.",
          "type": "string"
        },
        "additionalInfoUri": {
          "description": "Link to a web page with more information on this feature.",
          "type": "string",
          "x-cds-type": "URIString"
        }
      },
      "required": [
        "featureType"
      ],
      "type": "object",
      "x-conditional": [
        "additionalValue",
        "additionalInfo"
      ]
    },
    "BankingProductFeeV2": {
      "properties": {
        "name": {
          "description": "Name of the fee.",
          "type": "string"
        },
        "feeType": {
          "description": "The type of fee. For further details, refer to [Product Fee Types](#tocSproductfeetypedoc).",
          "enum": [
            "CASH_ADVANCE",
            "DEPOSIT",
            "DISHONOUR",
            "ENQUIRY",
            "EVENT",
            "EXIT",
            "LATE_PAYMENT",
            "OTHER",
            "PAYMENT",
            "PERIODIC",
            "PURCHASE",
            "REPLACEMENT",
            "TRANSACTION",
            "UPFRONT",
            "UPFRONT_PER_PLAN",
            "VARIATION",
            "WITHDRAWAL"
          ],
          "type": "string"
        },
        "feeMethodUType": {
          "description": "Reference to the applicable fee charging method structure.",
          "enum": [
            "fixedAmount",
            "rateBased",
            "variable"
          ],
          "type": "string"
        },
        "fixedAmount": {
          "allOf": [
            {
              "$ref": "#/$defs/BankingFeeAmount"
            }
          ],
          "description": "Mandatory if the _feeMethodUType_ value is `fixedAmount`. Where the fee is a specific amount."
        },
        "rateBased": {
          "allOf": [
            {
              "$ref": "#/$defs/BankingFeeRate"
            }
          ],
          "description": "Mandatory if the _feeMethodUType_ value is `rateBased`. Where the fee is based on a type of rate."
        },
        "variable": {
          "allOf": [
            {
              "$ref": "#/$defs/BankingFeeRange"
            }
          ],
          "description": "Mandatory if the _feeMethodUType_ value is `variable`. Where the amount or rate may not be known until the fee is incurred."
        },
        "feeCap": {
          "description": "The cap amount if multiple occurrences of the fee are capped to a limit.",
          "type": "string",
          "x-cds-type": "AmountString"
        },
        "feeCapPeriod": {
          "description": "Specifies a duration over which multiple occurrences of the fee will be capped. Formatted according to [ISO 8601 Durations](https://en.wikipedia.org/wiki/ISO_8601#Durations) (excludes recurrence syntax).",
          "type": "string",
          "x-cds-type": "ExternalRef"
        },
        "currency": {
          "default": "AUD",
          "description": "The currency the fee will be charged in. Assumes `AUD` if absent.",
          "type": "string",
          "x-cds-type": "CurrencyString"
        },
        "additionalValue": {
          "description": "Generic field containing additional information relevant to the [_feeType_](#tocSproductfeetypedoc) specified. Whether mandatory or not is dependent on the value of [_feeType_](#tocSproductfeetypedoc).",
          "type": "string"
        },
        "additionalInfo": {
          "description": "Display text providing more information on the fee. Mandatory if the [_feeType_](#tocSproductfeetypedoc) value is `OTHER`.",
          "type": "string"
        },
        "additionalInfoUri": {
          "description": "Link to a web page with more information on this fee.",
          "type": "string",
          "x-cds-type": "URIString"
        },
        "discounts": {
          "description": "An optional list of discounts to this fee that may be available.",
          "items": {
            "$ref": "#/$defs/BankingProductDiscountV2"
          },
          "type": "array"
        }
      },
      "required": [
        "feeMethodUType",
        "feeType",
        "name"
      ],
      "type": "object",
      "x-conditional": [
        "fixedAmount",
        "rateBased",
        "variable",
        "additionalValue",
        "additionalInfo"
      ]
    },
    "BankingProductInstalments": {
      "description": "Details of instalment features on the account.",
      "properties": {
        "maximumConcurrentPlans": {
          "description": "Maximum number of concurrent active instalment plans that may be created on the account. If `null`, there is no predetermined maximum number.",
          "type": "integer",
          "x-cds-type": "NaturalNumber"
        },
        "instalmentsLimit": {
          "description": "Maximum combined limit of all instalment plans that may be created on the account. If `null` or not present, an opened account balance _creditLimit_ may be assumed to provide a maximum limit for instalments.",
          "type": "string",
          "x-cds-type": "AmountString"
        },
        "minimumPlanValue": {
          "description": "Minimum value

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