Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v
header
string
optional
Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
A data holder specific unique identifier for this product. This identifier must be unique to a product but does not otherwise need to adhere to ID permanence guidelines.
The date and time from which this product is effective (ie. is available for origination). Used to enable the articulation of products to the regime before they are available for customers to originate
Indicates whether the product is specifically tailored to a circumstance. In this case fees and prices are significantly negotiated depending on context. While all products are open to a degree of tailoring this flag indicates that tailoring is expected and thus that the provision of specific fees and rates is not applicable
additionalInformation
object
optional
Object that contains links to additional information on specific topics
URI reference to a PNG, JPG or GIF image with proportions defined by ISO 7810 ID-1 and width no greater than 512 pixels. The URI reference may be a link or url-encoded data URI RFC 2397
An array of bundles that this product participates in. Each bundle is described by free form information but also by a list of product IDs of the other products that are included in the bundle. It is assumed that the current product is included in the bundle also
Link to a web page with more information on the bundle criteria and benefits
productIds
[string]
optional
Array of product IDs for products included in the bundle that are available via the product end points. Note that this array is not intended to represent a comprehensive model of the products included in the bundle and some products available for the bundle may not be available via the product reference end points
Generic field containing additional information relevant to the featureType specified. Whether mandatory or not is dependent on the value of the featureType.
additionalInfo
string
conditional
Display text providing more information on the feature. Mandatory if the feature type is set to OTHER
The type of constraint described. See the next section for an overview of valid values and their meaning
additionalValue
string
conditional
Generic field containing additional information relevant to the constraintType specified. Whether mandatory or not is dependent on the value of constraintType
additionalInfo
string
optional
Display text providing more information the constraint
The type of eligibility criteria described. See the next section for an overview of valid values and their meaning
additionalValue
string
conditional
Generic field containing additional information relevant to the eligibilityType specified. Whether mandatory or not is dependent on the value of eligibilityType
additionalInfo
string
conditional
Display text providing more information on the eligibility criteria. Mandatory if the field is set to OTHER
A fee rate calculated based on a proportion of the balance. One of amount, balanceRate, transactionRate and accruedRate is mandatory unless the feeType "VARIABLE" is supplied.
A fee rate calculated based on a proportion of a transaction. One of amount, balanceRate, transactionRate and accruedRate is mandatory unless the feeType "VARIABLE" is supplied
A fee rate calculated based on a proportion of the calculated interest accrued on the account. One of amount, balanceRate, transactionRate and accruedRate is mandatory unless the feeType "VARIABLE" is supplied
The indicative frequency with which the fee is calculated on the account. Only applies if balanceRate or accruedRate is also present. Formatted according to ISO 8601 Durations (excludes recurrence syntax)
A discount rate calculated based on a proportion of the balance. Note that the currency of the fee discount is expected to be the same as the currency of the fee itself. One of amount, balanceRate, transactionRate, accruedRate and feeRate is mandatory. Unless noted in additionalInfo, assumes the application and calculation frequency are the same as the corresponding fee
A discount rate calculated based on a proportion of a transaction. Note that the currency of the fee discount is expected to be the same as the currency of the fee itself. One of amount, balanceRate, transactionRate, accruedRate and feeRate is mandatory
A discount rate calculated based on a proportion of the calculated interest accrued on the account. Note that the currency of the fee discount is expected to be the same as the currency of the fee itself. One of amount, balanceRate, transactionRate, accruedRate and feeRate is mandatory. Unless noted in additionalInfo, assumes the application and calculation frequency are the same as the corresponding fee
A discount rate calculated based on a proportion of the fee to which this discount is attached. Note that the currency of the fee discount is expected to be the same as the currency of the fee itself. One of amount, balanceRate, transactionRate, accruedRate and feeRate is mandatory. Unless noted in additionalInfo, assumes the application and calculation frequency are the same as the corresponding fee
additionalValue
string
conditional
Generic field containing additional information relevant to the discountType specified. Whether mandatory or not is dependent on the value of discountType
additionalInfo
string
optional
Display text providing more information on the discount
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 (excludes recurrence syntax)
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 (excludes recurrence syntax)
Generic field containing additional information relevant to the depositRateType specified. Whether mandatory or not is dependent on the value of depositRateType
additionalInfo
string
optional
Display text providing more information on the rate
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 (excludes recurrence syntax)
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 (excludes recurrence syntax)
interestPaymentDue
string
optional
When loan payments are due to be paid within each period. The investment benefit of earlier payments affect the rate that can be offered
repaymentType
string
optional
Options in place for repayments. If absent, the lending rate is applicable to all repayment types
loanPurpose
string
optional
The reason for taking out the loan. If absent, the lending rate is applicable to all loan purposes
Generic field containing additional information relevant to the lendingRateType specified. Whether mandatory or not is dependent on the value of lendingRateType
additionalInfo
string
optional
Display text providing more information on the rate.
Defines the criteria and conditions for which a rate applies
Properties
Name
Type
Required
Description
name
string
mandatory
A display name for the tier
unitOfMeasure
string
mandatory
The unit of measure that applies to the tierValueMinimum and tierValueMaximum values e.g. a DOLLAR amount. PERCENT (in the case of loan-to-value ratio or LVR). Tier term period representing a discrete number of MONTH's or DAY's (in the case of term deposit tiers)
The number of tierUnitOfMeasure units that form the upper bound of the tier or band. For a tier with a discrete value (as opposed to a range of values e.g. 1 month) this must be the same as tierValueMinimum. Where this is the same as the tierValueMinimum value of the next-higher tier the referenced tier should be exclusive of this value. For example a term deposit of 2 months falls into the upper tier of the following tiers: (1 – 2 months, 2 – 3 months). If absent the tier's range has no upper bound.
rateApplicationMethod
string
optional
The method used to calculate the amount to be applied using one or more tiers. A single rate may be applied to the entire balance or each applicable tier rate is applied to the portion of the balance that falls into that tier (referred to as 'bands' or 'steps')
