Get Scheduled Payments Bulk V2
This page documents the obsolete version 2 of the Get Scheduled Payments Bulk endpoint.
Data Holders can retire this version after December 7th 2026. Data Recipients must update to newer versions prior to this date.
Get Scheduled Payments Bulk
Code samples
GET https://mtls.dh.example.com/cds-au/v1/banking/payments/scheduled HTTP/1.1
Host: mtls.dh.example.com
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string
const fetch = require('node-fetch');
const headers = {
'Accept':'application/json',
'x-v':'string',
'x-min-v':'string',
'x-fapi-interaction-id':'string',
'x-fapi-auth-date':'string',
'x-fapi-customer-ip-address':'string',
'x-cds-client-headers':'string'
};
fetch('https://mtls.dh.example.com/cds-au/v1/banking/payments/scheduled', {
method: 'GET',
headers: headers
}).then(function(res) {
return res.json();
}).then(function(body) {
console.log(body);
});
GET /banking/payments/scheduled
Obtain scheduled payments for multiple, filtered accounts that are the source of funds for the payments.
Obsolete versions: v1.
Endpoint Version
Parameters
Name |
In |
Type |
Required |
Default |
Description |
product-category |
query |
BankingProductCategory |
optional |
|
Used to filter results on the productCategory field applicable to accounts. Any one of the valid values for this field can be supplied. If absent then all accounts returned. |
open-status |
query |
Enum |
optional |
ALL |
Used to filter results according to open/closed status. Values can be OPEN , CLOSED or ALL . If absent then ALL is assumed. |
is-owned |
query |
Boolean |
optional |
|
Filters accounts based on whether they are owned by the authorised customer. true for owned accounts, false for unowned accounts and absent for all accounts. |
page |
query |
PositiveInteger |
optional |
1 |
Page of results to request (standard pagination). |
page-size |
query |
PositiveInteger |
optional |
25 |
Page size to request. Default is 25 (standard pagination). |
x-v |
header |
string |
mandatory |
|
Version of the API endpoint requested by the client. Must be set to a positive integer. The endpoint 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 endpoint MUST respond with a 406 Not Acceptable . See HTTP Headers. |
x-min-v |
header |
string |
optional |
|
Minimum version of the API endpoint requested by the client. Must be set to a positive integer if provided. The endpoint should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the endpoint MUST respond with a 406 Not Acceptable . |
x-fapi-interaction-id |
header |
string |
optional |
|
An [RFC4122] UUID used as a correlation id. If provided, the data holder MUST play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction. |
x-fapi-auth-date |
header |
string |
conditional |
|
The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-1.0-Baseline]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls. |
x-fapi-customer-ip-address |
header |
string |
optional |
|
The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls. |
x-cds-client-headers |
header |
Base64 |
conditional |
|
The customer's original standard http headers Base64 encoded, including the original User-Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls. |
Enumerated Values
Parameter |
Value |
product-category |
BUSINESS_LOANS |
product-category |
CRED_AND_CHRG_CARDS |
product-category |
LEASES |
product-category |
MARGIN_LOANS |
product-category |
OVERDRAFTS |
product-category |
PERS_LOANS |
product-category |
REGULATED_TRUST_ACCOUNTS |
product-category |
RESIDENTIAL_MORTGAGES |
product-category |
TERM_DEPOSITS |
product-category |
TRADE_FINANCE |
product-category |
TRANS_AND_SAVINGS_ACCOUNTS |
product-category |
TRAVEL_CARDS |
open-status |
ALL |
open-status |
CLOSED |
open-status |
OPEN |
Example responses
200 Response
{
"data": {
"scheduledPayments": [
{
"scheduledPaymentId": "string",
"nickname": "string",
"payerReference": "string",
"payeeReference": "string",
"status": "ACTIVE",
"from": {
"accountId": "string"
},
"paymentSet": [
{
"to": {
"toUType": "accountId",
"accountId": "string",
"payeeId": "string",
"nickname": "string",
"payeeReference": "string",
"digitalWallet": {
"name": "string",
"identifier": "string",
"type": "EMAIL",
"provider": "PAYPAL_AU"
},
"domestic": {
"payeeAccountUType": "account",
"account": {
"accountName": "string",
"bsb": "string",
"accountNumber": "string"
},
"card": {
"cardNumber": "string"
},
"payId": {
"name": "string",
"identifier": "string",
"type": "ABN"
}
},
"biller": {
"billerCode": "string",
"crn": "string",
"billerName": "string"
},
"international": {
"beneficiaryDetails": {
"name": "string",
"country": "string",
"message": "string"
},
"bankDetails": {
"country": "string",
"accountNumber": "string",
"bankAddress": {
"name": "string",
"address": "string"
},
"beneficiaryBankBIC": "string",
"fedWireNumber": "string",
"sortCode": "string",
"chipNumber": "string",
"routingNumber": "string",
"legalEntityIdentifier": "string"
}
}
},
"isAmountCalculated": false,
"amount": "string",
"currency": "AUD"
}
],
"recurrence": {
"nextPaymentDate": "string",
"recurrenceUType": "eventBased",
"onceOff": {
"paymentDate": "string"
},
"intervalSchedule": {
"finalPaymentDate": "string",
"paymentsRemaining": 1,
"nonBusinessDayTreatment": "AFTER",
"intervals": [
{
"interval": "string",
"dayInInterval": "string"
}
]
},
"lastWeekDay": {
"finalPaymentDate": "string",
"paymentsRemaining": 1,
"interval": "string",
"lastWeekDay": "FRI",
"nonBusinessDayTreatment": "AFTER"
},
"eventBased": {
"description": "string"
}
}
}
]
},
"links": {
"self": "string",
"first": "string",
"prev": "string",
"next": "string",
"last": "string"
},
"meta": {
"totalRecords": 0,
"totalPages": 0
}
}
Responses
Status |
Header |
Type |
Required |
Description |
200 |
x-v |
string |
mandatory |
The payload version that the endpoint has responded with. |
200 |
x-fapi-interaction-id |
string |
mandatory |
An [RFC4122] UUID used as a correlation id. If provided, the data holder MUST play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction. |
400 |
x-fapi-interaction-id |
string |
mandatory |
An [RFC4122] UUID used as a correlation id. If provided, the data holder MUST play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction. |
406 |
x-fapi-interaction-id |
string |
mandatory |
An [RFC4122] UUID used as a correlation id. If provided, the data holder MUST play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction. |
422 |
x-fapi-interaction-id |
string |
mandatory |
An [RFC4122] UUID used as a correlation id. If provided, the data holder MUST play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction. |
Schemas
RequestAccountIdListV1
{
"data": {
"accountIds": [
"string"
]
},
"meta": {}
}
Properties
Name |
Type |
Required |
Default |
Description |
data |
object |
mandatory |
|
none |
» accountIds |
[BankingAccountId] |
mandatory |
|
Array of accountId values to obtain data for. |
meta |
Meta |
optional |
|
none |
ResponseBankingProductListV3
{
"data": {
"products": [
{
"productId": "string",
"effectiveFrom": "string",
"effectiveTo": "string",
"lastUpdated": "string",
"productCategory": "BUSINESS_LOANS",
"name": "string",
"description": "string",
"brand": "string",
"brandName": "string",
"applicationUri": "string",
"isTailored": true,
"additionalInformation": {
"overviewUri": "string",
"termsUri": "string",
"eligibilityUri": "string",
"feesAndPricingUri": "string",
"bundleUri": "string",
"additionalOverviewUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalTermsUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalEligibilityUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalFeesAndPricingUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalBundleUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
]
},
"cardArt": [
{
"cardScheme": "AMEX",
"cardType": "CHARGE",
"title": "string",
"imageUri": "string"
}
]
}
]
},
"links": {
"self": "string",
"first": "string",
"prev": "string",
"next": "string",
"last": "string"
},
"meta": {
"totalRecords": 0,
"totalPages": 0
}
}
Properties
Name |
Type |
Required |
Default |
Description |
data |
object |
mandatory |
|
none |
» products |
[BankingProductV5] |
mandatory |
|
The list of products returned. If the filter results in an empty set then this array may have no records. |
links |
LinksPaginated |
mandatory |
|
none |
meta |
MetaPaginated |
mandatory |
|
none |
BankingProductV5
{
"productId": "string",
"effectiveFrom": "string",
"effectiveTo": "string",
"lastUpdated": "string",
"productCategory": "BUSINESS_LOANS",
"name": "string",
"description": "string",
"brand": "string",
"brandName": "string",
"applicationUri": "string",
"isTailored": true,
"additionalInformation": {
"overviewUri": "string",
"termsUri": "string",
"eligibilityUri": "string",
"feesAndPricingUri": "string",
"bundleUri": "string",
"additionalOverviewUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalTermsUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalEligibilityUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalFeesAndPricingUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalBundleUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
]
},
"cardArt": [
{
"cardScheme": "AMEX",
"cardType": "CHARGE",
"title": "string",
"imageUri": "string"
}
]
}
Properties
Name |
Type |
Required |
Default |
Description |
productId |
BankingProductId |
mandatory |
|
A data holder-specific unique identifier for a Banking product. This identifier must be unique to a product but does not otherwise need to adhere to ID permanence guidelines. |
effectiveFrom |
DateTimeString |
optional |
|
The date and time from which this product is effective (i.e. is available for origination). Used to enable the articulation of products to the regime before they are available for customers to originate. |
effectiveTo |
DateTimeString |
optional |
|
The date and time at which this product will be retired and will no longer be offered. Used to enable the managed deprecation of products. |
lastUpdated |
DateTimeString |
mandatory |
|
The last date and time that the information for this product was changed (or the creation date for the product if it has never been altered). |
productCategory |
BankingProductCategory |
mandatory |
|
The category to which a product or account belongs. See here for more details. |
name |
string |
mandatory |
|
The display name of the product. |
description |
string |
mandatory |
|
A description of the product. |
brand |
string |
mandatory |
|
A label of the brand for the product. Able to be used for filtering. For data holders with single brands this value is still required. |
brandName |
string |
optional |
|
An optional display name of the brand. |
applicationUri |
URIString |
optional |
|
A link to an application web page where this product can be applied for. |
isTailored |
Boolean |
mandatory |
|
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 |
BankingProductAdditionalInformationV2 |
optional |
|
Object that contains links to additional information on specific topics. |
cardArt |
[BankingProductCardArt] |
optional |
|
Information about any cards available with the account. |
BankingProductCardArt
{
"cardScheme": "AMEX",
"cardType": "CHARGE",
"title": "string",
"imageUri": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
cardScheme |
Enum |
mandatory |
|
Card scheme available with the account. |
cardType |
Enum |
mandatory |
|
Card type available with the account. |
title |
string |
optional |
|
Display label for the specific image. |
imageUri |
URIString |
mandatory |
|
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 according to [RFC2397]. |
Enumerated Values
Property |
Value |
cardScheme |
AMEX |
cardScheme |
EFTPOS |
cardScheme |
MASTERCARD |
cardScheme |
VISA |
cardScheme |
OTHER |
cardType |
CHARGE |
cardType |
CREDIT |
cardType |
DEBIT |
{
"overviewUri": "string",
"termsUri": "string",
"eligibilityUri": "string",
"feesAndPricingUri": "string",
"bundleUri": "string",
"additionalOverviewUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalTermsUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalEligibilityUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalFeesAndPricingUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalBundleUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
]
}
Object that contains links to additional information on specific topics.
Name |
Type |
Required |
Default |
Description |
overviewUri |
URIString |
conditional |
|
General overview of the product. Mandatory if additionalOverviewUris includes one or more supporting documents. |
termsUri |
URIString |
conditional |
|
Terms and conditions for the product. Mandatory if additionalTermsUris includes one or more supporting documents. |
eligibilityUri |
URIString |
conditional |
|
Eligibility rules and criteria for the product. Mandatory if additionalEligibilityUris includes one or more supporting documents. |
feesAndPricingUri |
URIString |
conditional |
|
Description of fees, pricing, discounts, exemptions and bonuses for the product. Mandatory if additionalFeesAndPricingUris includes one or more supporting documents. |
bundleUri |
URIString |
conditional |
|
Description of a bundle that this product can be part of. Mandatory if additionalBundleUris includes one or more supporting documents. |
additionalOverviewUris |
[BankingProductAdditionalInformationV2_additionalInformationUris] |
optional |
|
An array of additional general overviews for the product or features of the product, if applicable. To be treated as secondary documents to the overviewUri. Only to be used if there is a primary overviewUri. |
additionalTermsUris |
[BankingProductAdditionalInformationV2_additionalInformationUris] |
optional |
|
An array of additional terms and conditions for the product, if applicable. To be treated as secondary documents to the termsUri. Only to be used if there is a primary termsUri. |
additionalEligibilityUris |
[BankingProductAdditionalInformationV2_additionalInformationUris] |
optional |
|
An array of additional eligibility rules and criteria for the product, if applicable. To be treated as secondary documents to the eligibilityUri. Only to be used if there is a primary eligibilityUri. |
additionalFeesAndPricingUris |
[BankingProductAdditionalInformationV2_additionalInformationUris] |
optional |
|
An array of additional fees, pricing, discounts, exemptions and bonuses for the product, if applicable. To be treated as secondary documents to the feesAndPricingUri. Only to be used if there is a primary feesAndPricingUri. |
additionalBundleUris |
[BankingProductAdditionalInformationV2_additionalInformationUris] |
optional |
|
An array of additional bundles for the product, if applicable. To be treated as secondary documents to the bundleUri. Only to be used if there is a primary bundleUri. |
{
"description": "string",
"additionalInfoUri": "string"
}
Name |
Type |
Required |
Default |
Description |
description |
string |
optional |
|
Display text providing more information about the document URI. |
additionalInfoUri |
URIString |
mandatory |
|
The URI describing the additional information. |
ResponseBankingProductByIdV6
{
"data": {
"productId": "string",
"effectiveFrom": "string",
"effectiveTo": "string",
"lastUpdated": "string",
"productCategory": "BUSINESS_LOANS",
"name": "string",
"description": "string",
"brand": "string",
"brandName": "string",
"applicationUri": "string",
"isTailored": true,
"additionalInformation": {
"overviewUri": "string",
"termsUri": "string",
"eligibilityUri": "string",
"feesAndPricingUri": "string",
"bundleUri": "string",
"additionalOverviewUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalTermsUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalEligibilityUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalFeesAndPricingUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalBundleUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
]
},
"cardArt": [
{
"cardScheme": "AMEX",
"cardType": "CHARGE",
"title": "string",
"imageUri": "string"
}
],
"bundles": [
{
"name": "string",
"description": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"productIds": [
"string"
]
}
],
"features": [
{
"featureType": "ADDITIONAL_CARDS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"constraints": [
{
"constraintType": "MAX_BALANCE",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"eligibility": [
{
"eligibilityType": "BUSINESS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"fees": [
{
"name": "string",
"feeType": "CASH_ADVANCE",
"feeMethodUType": "fixedAmount",
"fixedAmount": {
"amount": "string"
},
"rateBased": {
"rateType": "BALANCE",
"rate": "string",
"accrualFrequency": "string",
"amountRange": {
"feeMinimum": "string",
"feeMaximum": "string"
}
},
"variable": {
"feeMinimum": "string",
"feeMaximum": "string"
},
"feeCap": "string",
"feeCapPeriod": "string",
"currency": "AUD",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"discounts": [
{
"description": "string",
"discountType": "BALANCE",
"discountMethodUType": "fixedAmount",
"fixedAmount": {
"amount": "string"
},
"rateBased": {
"rateType": "BALANCE",
"rate": "string",
"amountRange": {
"discountMinimum": "string",
"discountMaximum": "string"
}
},
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"eligibility": [
{
"discountEligibilityType": "BUSINESS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
]
}
]
}
],
"depositRates": [
{
"depositRateType": "VARIABLE",
"rate": "string",
"calculationFrequency": "string",
"applicationType": "PERIODIC",
"applicationFrequency": "string",
"tiers": [
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": "string",
"maximumValue": "string",
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"lendingRates": [
{
"lendingRateType": "FIXED",
"rate": "string",
"comparisonRate": "string",
"calculationFrequency": "string",
"applicationType": "PERIODIC",
"applicationFrequency": "string",
"interestPaymentDue": "IN_ADVANCE",
"repaymentType": "INTEREST_ONLY",
"loanPurpose": "INVESTMENT",
"tiers": [
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": "string",
"maximumValue": "string",
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
]
},
"links": {
"self": "string"
},
"meta": {}
}
Properties
BankingProductDetailV6
{
"productId": "string",
"effectiveFrom": "string",
"effectiveTo": "string",
"lastUpdated": "string",
"productCategory": "BUSINESS_LOANS",
"name": "string",
"description": "string",
"brand": "string",
"brandName": "string",
"applicationUri": "string",
"isTailored": true,
"additionalInformation": {
"overviewUri": "string",
"termsUri": "string",
"eligibilityUri": "string",
"feesAndPricingUri": "string",
"bundleUri": "string",
"additionalOverviewUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalTermsUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalEligibilityUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalFeesAndPricingUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
],
"additionalBundleUris": [
{
"description": "string",
"additionalInfoUri": "string"
}
]
},
"cardArt": [
{
"cardScheme": "AMEX",
"cardType": "CHARGE",
"title": "string",
"imageUri": "string"
}
],
"bundles": [
{
"name": "string",
"description": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"productIds": [
"string"
]
}
],
"features": [
{
"featureType": "ADDITIONAL_CARDS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"constraints": [
{
"constraintType": "MAX_BALANCE",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"eligibility": [
{
"eligibilityType": "BUSINESS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"fees": [
{
"name": "string",
"feeType": "CASH_ADVANCE",
"feeMethodUType": "fixedAmount",
"fixedAmount": {
"amount": "string"
},
"rateBased": {
"rateType": "BALANCE",
"rate": "string",
"accrualFrequency": "string",
"amountRange": {
"feeMinimum": "string",
"feeMaximum": "string"
}
},
"variable": {
"feeMinimum": "string",
"feeMaximum": "string"
},
"feeCap": "string",
"feeCapPeriod": "string",
"currency": "AUD",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"discounts": [
{
"description": "string",
"discountType": "BALANCE",
"discountMethodUType": "fixedAmount",
"fixedAmount": {
"amount": "string"
},
"rateBased": {
"rateType": "BALANCE",
"rate": "string",
"amountRange": {
"discountMinimum": "string",
"discountMaximum": "string"
}
},
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"eligibility": [
{
"discountEligibilityType": "BUSINESS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
]
}
]
}
],
"depositRates": [
{
"depositRateType": "VARIABLE",
"rate": "string",
"calculationFrequency": "string",
"applicationType": "PERIODIC",
"applicationFrequency": "string",
"tiers": [
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": "string",
"maximumValue": "string",
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"lendingRates": [
{
"lendingRateType": "FIXED",
"rate": "string",
"comparisonRate": "string",
"calculationFrequency": "string",
"applicationType": "PERIODIC",
"applicationFrequency": "string",
"interestPaymentDue": "IN_ADVANCE",
"repaymentType": "INTEREST_ONLY",
"loanPurpose": "INVESTMENT",
"tiers": [
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": "string",
"maximumValue": "string",
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
]
}
Properties
allOf
Name |
Type |
Required |
Default |
Description |
anonymous |
BankingProductV5 |
mandatory |
|
none |
and
Name |
Type |
Required |
Default |
Description |
anonymous |
object |
mandatory |
|
none |
» bundles |
[BankingProductBundle] |
optional |
|
An array of bundles that this product participates in. Each bundle is described by free form information but also by a list of productID values of the other products that are included in the bundle. It is assumed that the current product is included in the bundle also. |
» features |
[BankingProductFeatureV3] |
optional |
|
Array of features and limitations of the product. |
» constraints |
[BankingProductConstraintV3] |
optional |
|
Constraints on the application for the product such as minimum balances or limit thresholds. |
» eligibility |
[BankingProductEligibilityV2] |
optional |
|
Eligibility criteria for the product. |
» fees |
[BankingProductFeeV2] |
optional |
|
Fees applicable to the product. |
» depositRates |
[BankingProductDepositRateV2] |
optional |
|
Interest rates available for deposits. |
» lendingRates |
[BankingProductLendingRateV3] |
optional |
|
Interest rates charged against lending balances. |
BankingProductBundle
{
"name": "string",
"description": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"productIds": [
"string"
]
}
Properties
Name |
Type |
Required |
Default |
Description |
name |
string |
mandatory |
|
Name of the bundle. |
description |
string |
mandatory |
|
Description of the bundle. |
additionalInfo |
string |
optional |
|
Display text providing more information on the bundle. |
additionalInfoUri |
URIString |
optional |
|
Link to a web page with more information on the bundle criteria and benefits. |
productIds |
[BankingProductId] |
optional |
|
Array of productID values for products included in the bundle that are available via the product endpoints. 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 endpoints. |
BankingProductFeatureV3
{
"featureType": "ADDITIONAL_CARDS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
featureType |
Enum |
mandatory |
|
The type of feature described. For further details, refer to Product Feature Types. |
additionalValue |
string |
conditional |
|
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 featureType is set to OTHER . |
additionalInfoUri |
URIString |
optional |
|
Link to a web page with more information on this feature. |
Enumerated Values
Property |
Value |
featureType |
ADDITIONAL_CARDS |
featureType |
BALANCE_TRANSFERS |
featureType |
BILL_PAYMENT |
featureType |
BONUS_REWARDS |
featureType |
CARD_ACCESS |
featureType |
CASHBACK_OFFER |
featureType |
COMPLEMENTARY_PRODUCT_DISCOUNTS |
featureType |
DIGITAL_BANKING |
featureType |
DIGITAL_WALLET |
featureType |
DONATE_INTEREST |
featureType |
EXTRA_REPAYMENTS |
featureType |
FRAUD_PROTECTION |
featureType |
FREE_TXNS |
featureType |
FREE_TXNS_ALLOWANCE |
featureType |
FUNDS_AVAILABLE_AFTER |
featureType |
GUARANTOR |
featureType |
INSTALMENT_PLAN |
featureType |
INSURANCE |
featureType |
INTEREST_FREE |
featureType |
INTEREST_FREE_TRANSFERS |
featureType |
LOYALTY_PROGRAM |
featureType |
NOTIFICATIONS |
featureType |
NPP_ENABLED |
featureType |
NPP_PAYID |
featureType |
OFFSET |
featureType |
OTHER |
featureType |
OVERDRAFT |
featureType |
REDRAW |
featureType |
RELATIONSHIP_MANAGEMENT |
featureType |
UNLIMITED_TXNS |
BankingProductConstraintV3
{
"constraintType": "MAX_BALANCE",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
constraintType |
Enum |
mandatory |
|
The type of constraint described. For further details, refer to Product Constraint Types. |
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 |
conditional |
|
Display text providing more information on the constraint. Mandatory if the constraintType value is OTHER . |
additionalInfoUri |
URIString |
optional |
|
Link to a web page with more information on the constraint. |
Enumerated Values
Property |
Value |
constraintType |
MAX_BALANCE |
constraintType |
MAX_LIMIT |
constraintType |
MAX_LVR |
constraintType |
MIN_BALANCE |
constraintType |
MIN_LIMIT |
constraintType |
MIN_LVR |
constraintType |
OPENING_BALANCE |
constraintType |
OTHER |
BankingProductEligibilityV2
{
"eligibilityType": "BUSINESS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
eligibilityType |
Enum |
mandatory |
|
The type of eligibility criteria described. For further details, refer to Product Eligibility Types. |
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 . |
additionalInfoUri |
URIString |
optional |
|
Link to a web page with more information on this eligibility criteria. |
Enumerated Values
Property |
Value |
eligibilityType |
BUSINESS |
eligibilityType |
EMPLOYMENT_STATUS |
eligibilityType |
MAX_AGE |
eligibilityType |
MIN_AGE |
eligibilityType |
MIN_INCOME |
eligibilityType |
MIN_TURNOVER |
eligibilityType |
NATURAL_PERSON |
eligibilityType |
OTHER |
eligibilityType |
PENSION_RECIPIENT |
eligibilityType |
RESIDENCY_STATUS |
eligibilityType |
STAFF |
eligibilityType |
STUDENT |
BankingProductFeeV2
{
"name": "string",
"feeType": "CASH_ADVANCE",
"feeMethodUType": "fixedAmount",
"fixedAmount": {
"amount": "string"
},
"rateBased": {
"rateType": "BALANCE",
"rate": "string",
"accrualFrequency": "string",
"amountRange": {
"feeMinimum": "string",
"feeMaximum": "string"
}
},
"variable": {
"feeMinimum": "string",
"feeMaximum": "string"
},
"feeCap": "string",
"feeCapPeriod": "string",
"currency": "AUD",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"discounts": [
{
"description": "string",
"discountType": "BALANCE",
"discountMethodUType": "fixedAmount",
"fixedAmount": {
"amount": "string"
},
"rateBased": {
"rateType": "BALANCE",
"rate": "string",
"amountRange": {
"discountMinimum": "string",
"discountMaximum": "string"
}
},
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"eligibility": [
{
"discountEligibilityType": "BUSINESS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
]
}
]
}
Properties
Name |
Type |
Required |
Default |
Description |
name |
string |
mandatory |
|
Name of the fee. |
feeType |
Enum |
mandatory |
|
The type of fee. For further details, refer to Product Fee Types. |
feeMethodUType |
Enum |
mandatory |
|
Reference to the applicable fee charging method structure. |
fixedAmount |
BankingFeeAmount |
conditional |
|
Mandatory if the feeMethodUType value is fixedAmount . Where the fee is a specific amount. |
rateBased |
BankingFeeRate |
conditional |
|
Mandatory if the feeMethodUType value is rateBased . Where the fee is based on a type of rate. |
variable |
BankingFeeRange |
conditional |
|
Mandatory if the feeMethodUType value is variable . Where the amount or rate may not be known until the fee is incurred. |
feeCap |
AmountString |
optional |
|
The cap amount if multiple occurrences of the fee are capped to a limit. |
feeCapPeriod |
ExternalRef |
optional |
|
Specifies a duration over which multiple occurrences of the fee will be capped. Formatted according to ISO 8601 Durations (excludes recurrence syntax). |
currency |
CurrencyString |
optional |
AUD |
The currency the fee will be charged in. Assumes AUD if absent. |
additionalValue |
string |
conditional |
|
Generic field containing additional information relevant to the feeType specified. Whether mandatory or not is dependent on the value of feeType. |
additionalInfo |
string |
conditional |
|
Display text providing more information on the fee. Mandatory if the feeType value is OTHER . |
additionalInfoUri |
URIString |
optional |
|
Link to a web page with more information on this fee. |
discounts |
[BankingProductDiscountV2] |
optional |
|
An optional list of discounts to this fee that may be available. |
Enumerated Values
Property |
Value |
feeType |
CASH_ADVANCE |
feeType |
DEPOSIT |
feeType |
DISHONOUR |
feeType |
ENQUIRY |
feeType |
EVENT |
feeType |
EXIT |
feeType |
LATE_PAYMENT |
feeType |
OTHER |
feeType |
PAYMENT |
feeType |
PERIODIC |
feeType |
PURCHASE |
feeType |
REPLACEMENT |
feeType |
TRANSACTION |
feeType |
UPFRONT |
feeType |
UPFRONT_PER_PLAN |
feeType |
VARIATION |
feeType |
WITHDRAWAL |
feeMethodUType |
fixedAmount |
feeMethodUType |
rateBased |
feeMethodUType |
variable |
BankingFeeAmount
{
"amount": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
amount |
AmountString |
mandatory |
|
The specific amount charged for the fee each time it is incurred. |
BankingFeeRate
{
"rateType": "BALANCE",
"rate": "string",
"accrualFrequency": "string",
"amountRange": {
"feeMinimum": "string",
"feeMaximum": "string"
}
}
Properties
Name |
Type |
Required |
Default |
Description |
rateType |
Enum |
mandatory |
|
Type of fee rate calculation.BALANCE A fee rate based on a balanceINTEREST_ACCRUED A fee rate based on interest accruedTRANSACTION A fee rate based on a transaction.
|
rate |
RateString |
mandatory |
|
The fee rate calculated according to the rateType. |
accrualFrequency |
ExternalRef |
optional |
|
The indicative frequency with which the fee is calculated on the account if applicable. Formatted according to ISO 8601 Durations (excludes recurrence syntax). |
amountRange |
BankingFeeRange |
optional |
|
A minimum or maximum fee amount where a specific fixed amount is not known until the fee is incurred. |
Enumerated Values
Property |
Value |
rateType |
BALANCE |
rateType |
INTEREST_ACCRUED |
rateType |
TRANSACTION |
BankingFeeRange
{
"feeMinimum": "string",
"feeMaximum": "string"
}
A minimum or maximum fee amount where a specific fixed amount is not known until the fee is incurred.
Properties
Name |
Type |
Required |
Default |
Description |
feeMinimum |
AmountString |
optional |
|
The minimum fee that will be charged per occurrence. |
feeMaximum |
AmountString |
optional |
|
The maximum fee that will be charged per occurrence. |
BankingProductDiscountV2
{
"description": "string",
"discountType": "BALANCE",
"discountMethodUType": "fixedAmount",
"fixedAmount": {
"amount": "string"
},
"rateBased": {
"rateType": "BALANCE",
"rate": "string",
"amountRange": {
"discountMinimum": "string",
"discountMaximum": "string"
}
},
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"eligibility": [
{
"discountEligibilityType": "BUSINESS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
]
}
Note that the currency of the fee discount is expected to be the same as the currency of the fee itself.
Properties
Name |
Type |
Required |
Default |
Description |
description |
string |
mandatory |
|
Description of the discount. |
discountType |
Enum |
mandatory |
|
The type of discount. For further details, refer to Product Discount Types. |
discountMethodUType |
Enum |
mandatory |
|
Reference to the applicable fee discount method structure. |
fixedAmount |
BankingFeeDiscountAmount |
conditional |
|
Mandatory if the discountMethodUType value is fixedAmount . Where the discount is a specific amount. |
rateBased |
BankingFeeDiscountRate |
conditional |
|
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 |
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. |
additionalInfoUri |
URIString |
optional |
|
Link to a web page with more information on this discount. |
eligibility |
[BankingProductDiscountEligibility] |
conditional |
|
Eligibility constraints that apply to this discount. Mandatory if discountType is ELIGIBILITY_ONLY . |
Enumerated Values
Property |
Value |
discountType |
BALANCE |
discountType |
DEPOSITS |
discountType |
ELIGIBILITY_ONLY |
discountType |
FEE_CAP |
discountType |
PAYMENTS |
discountMethodUType |
fixedAmount |
discountMethodUType |
rateBased |
BankingFeeDiscountAmount
{
"amount": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
amount |
AmountString |
mandatory |
|
The specific amount discounted from the fee each time it is incurred. |
BankingFeeDiscountRate
{
"rateType": "BALANCE",
"rate": "string",
"amountRange": {
"discountMinimum": "string",
"discountMaximum": "string"
}
}
Properties
Name |
Type |
Required |
Default |
Description |
rateType |
Enum |
mandatory |
|
Type of fee rate discount calculation.BALANCE A fee rate discount based on a balanceFEE A fee rate discount based on the fee to which the discount is attachedINTEREST_ACCRUED A fee rate discount based on interest accruedTRANSACTION A fee rate discount based on a transaction.
|
rate |
RateString |
mandatory |
|
The fee rate discount calculated according to the rateType. |
amountRange |
BankingFeeDiscountRange |
optional |
|
A minimum or maximum fee discount amount where a specific fixed amount is not known until the fee is incurred. |
Enumerated Values
Property |
Value |
rateType |
BALANCE |
rateType |
FEE |
rateType |
INTEREST_ACCRUED |
rateType |
TRANSACTION |
BankingFeeDiscountRange
{
"discountMinimum": "string",
"discountMaximum": "string"
}
A minimum or maximum fee discount amount where a specific fixed amount is not known until the fee is incurred.
Properties
Name |
Type |
Required |
Default |
Description |
discountMinimum |
AmountString |
optional |
|
The minimum fee discount that will be applied per occurrence. |
discountMaximum |
AmountString |
optional |
|
The maximum fee discount that will be applied per occurrence. |
BankingProductDiscountEligibility
{
"discountEligibilityType": "BUSINESS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
discountEligibilityType |
Enum |
mandatory |
|
The type of the specific eligibility constraint for a discount. For further details, refer to Product Discount Eligibility Types. |
additionalValue |
string |
conditional |
|
Generic field containing additional information relevant to the discountEligibilityType specified. Whether mandatory or not is dependent on the value of discountEligibilityType. |
additionalInfo |
string |
conditional |
|
Display text providing more information on this eligibility constraint. Whether mandatory or not is dependent on the value of discountEligibilityType. |
additionalInfoUri |
URIString |
optional |
|
Link to a web page with more information on this eligibility constraint. |
Enumerated Values
Property |
Value |
discountEligibilityType |
BUSINESS |
discountEligibilityType |
EMPLOYMENT_STATUS |
discountEligibilityType |
INTRODUCTORY |
discountEligibilityType |
MAX_AGE |
discountEligibilityType |
MIN_AGE |
discountEligibilityType |
MIN_INCOME |
discountEligibilityType |
MIN_TURNOVER |
discountEligibilityType |
NATURAL_PERSON |
discountEligibilityType |
OTHER |
discountEligibilityType |
PENSION_RECIPIENT |
discountEligibilityType |
RESIDENCY_STATUS |
discountEligibilityType |
STAFF |
discountEligibilityType |
STUDENT |
BankingProductDepositRateV2
{
"depositRateType": "VARIABLE",
"rate": "string",
"calculationFrequency": "string",
"applicationType": "PERIODIC",
"applicationFrequency": "string",
"tiers": [
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": "string",
"maximumValue": "string",
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
depositRateType |
Enum |
mandatory |
|
The type of rate (FIXED , VARIABLE , BONUS , etc.) For further details, refer to Product Deposit Rate Types. |
rate |
RateString |
mandatory |
|
The rate to be applied. |
calculationFrequency |
ExternalRef |
optional |
|
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). |
applicationType |
Enum |
mandatory |
|
The type of approach used to apply the rate to the account. |
applicationFrequency |
ExternalRef |
conditional |
|
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). Mandatory if the applicationType value is PERIODIC . |
tiers |
[BankingProductRateTierV4] |
optional |
|
Rate tiers applicable for this rate. |
applicabilityConditions |
[BankingProductRateConditionV2] |
optional |
|
Applicability conditions for the rate. |
additionalValue |
string |
conditional |
|
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. |
additionalInfoUri |
URIString |
optional |
|
Link to a web page with more information on this rate. |
Enumerated Values
Property |
Value |
depositRateType |
BONUS |
depositRateType |
BUNDLE_BONUS |
depositRateType |
FIXED |
depositRateType |
FLOATING |
depositRateType |
INTRODUCTORY |
depositRateType |
MARKET_LINKED |
depositRateType |
VARIABLE |
applicationType |
MATURITY |
applicationType |
PERIODIC |
applicationType |
UPFRONT |
BankingProductLendingRateV3
{
"lendingRateType": "FIXED",
"rate": "string",
"comparisonRate": "string",
"calculationFrequency": "string",
"applicationType": "PERIODIC",
"applicationFrequency": "string",
"interestPaymentDue": "IN_ADVANCE",
"repaymentType": "INTEREST_ONLY",
"loanPurpose": "INVESTMENT",
"tiers": [
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": "string",
"maximumValue": "string",
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
lendingRateType |
Enum |
mandatory |
|
The type of rate (FIXED , VARIABLE , etc.) For further details, refer to Product Lending Rate Types. |
rate |
RateString |
mandatory |
|
The rate to be applied. |
comparisonRate |
RateString |
optional |
|
A comparison rate equivalent for this rate. |
calculationFrequency |
ExternalRef |
optional |
|
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). |
applicationType |
Enum |
mandatory |
|
The type of approach used to apply the rate to the account. |
applicationFrequency |
ExternalRef |
conditional |
|
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). Mandatory if the applicationType value is PERIODIC . |
interestPaymentDue |
Enum |
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 |
Enum |
mandatory |
|
Option in place for repayments. |
loanPurpose |
Enum |
mandatory |
|
The reason for taking out the loan. |
tiers |
[BankingProductRateTierV4] |
optional |
|
Rate tiers applicable for this rate. |
applicabilityConditions |
[BankingProductRateConditionV2] |
optional |
|
Applicability conditions for the rate. |
additionalValue |
string |
conditional |
|
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. |
additionalInfoUri |
URIString |
optional |
|
Link to a web page with more information on this rate. |
Enumerated Values
Property |
Value |
lendingRateType |
BALANCE_TRANSFER |
lendingRateType |
BUNDLE_DISCOUNT_FIXED |
lendingRateType |
BUNDLE_DISCOUNT_VARIABLE |
lendingRateType |
CASH_ADVANCE |
lendingRateType |
DISCOUNT |
lendingRateType |
FIXED |
lendingRateType |
FLOATING |
lendingRateType |
INTRODUCTORY |
lendingRateType |
MARKET_LINKED |
lendingRateType |
PENALTY |
lendingRateType |
PURCHASE |
lendingRateType |
VARIABLE |
applicationType |
MATURITY |
applicationType |
PERIODIC |
applicationType |
UPFRONT |
interestPaymentDue |
IN_ADVANCE |
interestPaymentDue |
IN_ARREARS |
repaymentType |
INTEREST_ONLY |
repaymentType |
OTHER |
repaymentType |
PRINCIPAL_AND_INTEREST |
repaymentType |
UNCONSTRAINED |
loanPurpose |
INVESTMENT |
loanPurpose |
OTHER |
loanPurpose |
OWNER_OCCUPIED |
loanPurpose |
UNCONSTRAINED |
BankingProductRateTierV4
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": "string",
"maximumValue": "string",
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalInfo": "string",
"additionalInfoUri": "string"
}
Defines the criteria and conditions for which a rate applies.
Properties
Name |
Type |
Required |
Default |
Description |
name |
string |
mandatory |
|
A display name for the tier. |
unitOfMeasure |
Enum |
mandatory |
|
The unit of measure that applies to the minimumValue and maximumValue values, e.g.,DOLLAR for a dollar amount (with values in AmountString format)PERCENT for Loan-to-Value Ratio or LVR (with values in RateString format)MONTH or DAY for a period representing a discrete number of months or days for a fixed-term deposit or loan (with values as a string containing a positive integer).
|
minimumValue |
string |
mandatory |
|
The number of unitOfMeasure units that form the lower bound of the tier. The tier should be inclusive of this value. |
maximumValue |
string |
optional |
|
The number of unitOfMeasure 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 minimumValue. Where this is the same as the minimumValue 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 |
Enum |
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'). |
applicabilityConditions |
[BankingProductRateConditionV2] |
optional |
|
Applicability conditions for the rate tier. |
additionalInfo |
string |
optional |
|
Display text providing more information on the rate tier. |
additionalInfoUri |
URIString |
optional |
|
Link to a web page with more information on this rate tier. |
Enumerated Values
Property |
Value |
unitOfMeasure |
DAY |
unitOfMeasure |
DOLLAR |
unitOfMeasure |
MONTH |
unitOfMeasure |
PERCENT |
rateApplicationMethod |
PER_TIER |
rateApplicationMethod |
WHOLE_BALANCE |
BankingProductRateConditionV2
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
Defines a condition for the applicability of a rate.
Properties
Name |
Type |
Required |
Default |
Description |
rateApplicabilityType |
Enum |
mandatory |
|
Category of applicability condition associated with the rate. For more information refer to Rate and Tier Applicability Types. |
additionalValue |
string |
conditional |
|
Generic field containing additional information relevant to the rateApplicabilityType specified. Whether mandatory or not is dependent on the value of rateApplicabilityType. |
additionalInfo |
string |
conditional |
|
Display text providing more information on the condition. Mandatory if the rateApplicabilityType value is OTHER . |
additionalInfoUri |
URIString |
optional |
|
Link to a web page with more information on this condition. |
Enumerated Values
Property |
Value |
rateApplicabilityType |
MIN_DEPOSITS |
rateApplicabilityType |
MIN_DEPOSIT_AMOUNT |
rateApplicabilityType |
DEPOSIT_BALANCE_INCREASED |
rateApplicabilityType |
EXISTING_CUST |
rateApplicabilityType |
NEW_ACCOUNTS |
rateApplicabilityType |
NEW_CUSTOMER |
rateApplicabilityType |
NEW_CUSTOMER_TO_GROUP |
rateApplicabilityType |
ONLINE_ONLY |
rateApplicabilityType |
OTHER |
rateApplicabilityType |
MIN_PURCHASES |
rateApplicabilityType |
MAX_WITHDRAWALS |
rateApplicabilityType |
MAX_WITHDRAWAL_AMOUNT |
ResponseBankingAccountListV2
{
"data": {
"accounts": [
{
"accountId": "string",
"creationDate": "string",
"displayName": "string",
"nickname": "string",
"openStatus": "CLOSED",
"isOwned": true,
"accountOwnership": "UNKNOWN",
"maskedNumber": "string",
"productCategory": "BUSINESS_LOANS",
"productName": "string"
}
]
},
"links": {
"self": "string",
"first": "string",
"prev": "string",
"next": "string",
"last": "string"
},
"meta": {
"totalRecords": 0,
"totalPages": 0
}
}
Properties
Name |
Type |
Required |
Default |
Description |
data |
object |
mandatory |
|
none |
» accounts |
[BankingAccountV2] |
mandatory |
|
The list of accounts returned. If the filter results in an empty set then this array may have no records. |
links |
LinksPaginated |
mandatory |
|
none |
meta |
MetaPaginated |
mandatory |
|
none |
BankingAccountV2
{
"accountId": "string",
"creationDate": "string",
"displayName": "string",
"nickname": "string",
"openStatus": "CLOSED",
"isOwned": true,
"accountOwnership": "UNKNOWN",
"maskedNumber": "string",
"productCategory": "BUSINESS_LOANS",
"productName": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
accountId |
BankingAccountId |
mandatory |
|
Unique identifier for the account. |
creationDate |
DateString |
optional |
|
Date that the account was created (if known). |
displayName |
string |
mandatory |
|
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 type. |
nickname |
string |
optional |
|
A customer supplied nickname for the account. |
openStatus |
Enum |
optional |
OPEN |
Open or closed status for the account. If not present then OPEN is assumed. |
isOwned |
Boolean |
optional |
true |
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. |
accountOwnership |
Enum |
mandatory |
|
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. |
maskedNumber |
MaskedAccountString |
mandatory |
|
A masked version of the account. Whether BSB/Account Number, Credit Card PAN or another number. |
productCategory |
BankingProductCategory |
mandatory |
|
The category to which a product or account belongs. See here for more details. |
productName |
string |
mandatory |
|
The unique identifier of the account as defined by the data holder (akin to model number for the account). |
Enumerated Values
Property |
Value |
openStatus |
CLOSED |
openStatus |
OPEN |
accountOwnership |
UNKNOWN |
accountOwnership |
ONE_PARTY |
accountOwnership |
TWO_PARTY |
accountOwnership |
MANY_PARTY |
accountOwnership |
OTHER |
ResponseBankingAccountByIdV4
{
"data": {
"accountId": "string",
"creationDate": "string",
"displayName": "string",
"nickname": "string",
"openStatus": "CLOSED",
"isOwned": true,
"accountOwnership": "UNKNOWN",
"maskedNumber": "string",
"productCategory": "BUSINESS_LOANS",
"productName": "string",
"bsb": "string",
"accountNumber": "string",
"bundleName": "string",
"specificAccountUType": "creditCard",
"termDeposit": [
{
"lodgementDate": "string",
"maturityDate": "string",
"maturityAmount": "string",
"maturityCurrency": "AUD",
"maturityInstructions": "HOLD_ON_MATURITY"
}
],
"creditCard": {
"minPaymentAmount": "string",
"paymentDueAmount": "string",
"paymentCurrency": "AUD",
"paymentDueDate": "string"
},
"loan": {
"originalStartDate": "string",
"originalLoanAmount": "string",
"originalLoanCurrency": "AUD",
"loanEndDate": "string",
"nextInstalmentDate": "string",
"minInstalmentAmount": "string",
"minInstalmentCurrency": "AUD",
"maxRedraw": "string",
"maxRedrawCurrency": "AUD",
"minRedraw": "string",
"minRedrawCurrency": "AUD",
"offsetAccountEnabled": true,
"offsetAccountIds": [
"string"
],
"repaymentType": "INTEREST_ONLY",
"repaymentFrequency": "string"
},
"depositRate": "string",
"lendingRate": "string",
"depositRates": [
{
"depositRateType": "VARIABLE",
"rate": "string",
"calculationFrequency": "string",
"applicationType": "PERIODIC",
"applicationFrequency": "string",
"tiers": [
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": "string",
"maximumValue": "string",
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"lendingRates": [
{
"lendingRateType": "FIXED",
"rate": "string",
"comparisonRate": "string",
"calculationFrequency": "string",
"applicationType": "PERIODIC",
"applicationFrequency": "string",
"interestPaymentDue": "IN_ADVANCE",
"repaymentType": "INTEREST_ONLY",
"loanPurpose": "INVESTMENT",
"tiers": [
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": "string",
"maximumValue": "string",
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"features": [
{
"featureType": "ADDITIONAL_CARDS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"isActivated": "ACTIVATED"
}
],
"fees": [
{
"name": "string",
"feeType": "CASH_ADVANCE",
"feeMethodUType": "fixedAmount",
"fixedAmount": {
"amount": "string"
},
"rateBased": {
"rateType": "BALANCE",
"rate": "string",
"accrualFrequency": "string",
"amountRange": {
"feeMinimum": "string",
"feeMaximum": "string"
}
},
"variable": {
"feeMinimum": "string",
"feeMaximum": "string"
},
"feeCap": "string",
"feeCapPeriod": "string",
"currency": "AUD",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"discounts": [
{
"description": "string",
"discountType": "BALANCE",
"discountMethodUType": "fixedAmount",
"fixedAmount": {
"amount": "string"
},
"rateBased": {
"rateType": "BALANCE",
"rate": "string",
"amountRange": {
"discountMinimum": "string",
"discountMaximum": "string"
}
},
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"eligibility": [
{
"discountEligibilityType": "BUSINESS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
]
}
]
}
],
"addresses": [
{
"addressUType": "paf",
"simple": {
"mailingName": "string",
"addressLine1": "string",
"addressLine2": "string",
"addressLine3": "string",
"postcode": "string",
"city": "string",
"state": "string",
"country": "AUS"
},
"paf": {
"dpid": "string",
"thoroughfareNumber1": 0,
"thoroughfareNumber1Suffix": "string",
"thoroughfareNumber2": 0,
"thoroughfareNumber2Suffix": "string",
"flatUnitType": "string",
"flatUnitNumber": "string",
"floorLevelType": "string",
"floorLevelNumber": "string",
"lotNumber": "string",
"buildingName1": "string",
"buildingName2": "string",
"streetName": "string",
"streetType": "string",
"streetSuffix": "string",
"postalDeliveryType": "string",
"postalDeliveryNumber": 0,
"postalDeliveryNumberPrefix": "string",
"postalDeliveryNumberSuffix": "string",
"localityName": "string",
"postcode": "string",
"state": "string"
}
}
]
},
"links": {
"self": "string"
},
"meta": {}
}
Properties
BankingAccountDetailV4
{
"accountId": "string",
"creationDate": "string",
"displayName": "string",
"nickname": "string",
"openStatus": "CLOSED",
"isOwned": true,
"accountOwnership": "UNKNOWN",
"maskedNumber": "string",
"productCategory": "BUSINESS_LOANS",
"productName": "string",
"bsb": "string",
"accountNumber": "string",
"bundleName": "string",
"specificAccountUType": "creditCard",
"termDeposit": [
{
"lodgementDate": "string",
"maturityDate": "string",
"maturityAmount": "string",
"maturityCurrency": "AUD",
"maturityInstructions": "HOLD_ON_MATURITY"
}
],
"creditCard": {
"minPaymentAmount": "string",
"paymentDueAmount": "string",
"paymentCurrency": "AUD",
"paymentDueDate": "string"
},
"loan": {
"originalStartDate": "string",
"originalLoanAmount": "string",
"originalLoanCurrency": "AUD",
"loanEndDate": "string",
"nextInstalmentDate": "string",
"minInstalmentAmount": "string",
"minInstalmentCurrency": "AUD",
"maxRedraw": "string",
"maxRedrawCurrency": "AUD",
"minRedraw": "string",
"minRedrawCurrency": "AUD",
"offsetAccountEnabled": true,
"offsetAccountIds": [
"string"
],
"repaymentType": "INTEREST_ONLY",
"repaymentFrequency": "string"
},
"depositRate": "string",
"lendingRate": "string",
"depositRates": [
{
"depositRateType": "VARIABLE",
"rate": "string",
"calculationFrequency": "string",
"applicationType": "PERIODIC",
"applicationFrequency": "string",
"tiers": [
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": "string",
"maximumValue": "string",
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"lendingRates": [
{
"lendingRateType": "FIXED",
"rate": "string",
"comparisonRate": "string",
"calculationFrequency": "string",
"applicationType": "PERIODIC",
"applicationFrequency": "string",
"interestPaymentDue": "IN_ADVANCE",
"repaymentType": "INTEREST_ONLY",
"loanPurpose": "INVESTMENT",
"tiers": [
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": "string",
"maximumValue": "string",
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"applicabilityConditions": [
{
"rateApplicabilityType": "NEW_CUSTOMER",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"features": [
{
"featureType": "ADDITIONAL_CARDS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"isActivated": "ACTIVATED"
}
],
"fees": [
{
"name": "string",
"feeType": "CASH_ADVANCE",
"feeMethodUType": "fixedAmount",
"fixedAmount": {
"amount": "string"
},
"rateBased": {
"rateType": "BALANCE",
"rate": "string",
"accrualFrequency": "string",
"amountRange": {
"feeMinimum": "string",
"feeMaximum": "string"
}
},
"variable": {
"feeMinimum": "string",
"feeMaximum": "string"
},
"feeCap": "string",
"feeCapPeriod": "string",
"currency": "AUD",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"discounts": [
{
"description": "string",
"discountType": "BALANCE",
"discountMethodUType": "fixedAmount",
"fixedAmount": {
"amount": "string"
},
"rateBased": {
"rateType": "BALANCE",
"rate": "string",
"amountRange": {
"discountMinimum": "string",
"discountMaximum": "string"
}
},
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"eligibility": [
{
"discountEligibilityType": "BUSINESS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
]
}
]
}
],
"addresses": [
{
"addressUType": "paf",
"simple": {
"mailingName": "string",
"addressLine1": "string",
"addressLine2": "string",
"addressLine3": "string",
"postcode": "string",
"city": "string",
"state": "string",
"country": "AUS"
},
"paf": {
"dpid": "string",
"thoroughfareNumber1": 0,
"thoroughfareNumber1Suffix": "string",
"thoroughfareNumber2": 0,
"thoroughfareNumber2Suffix": "string",
"flatUnitType": "string",
"flatUnitNumber": "string",
"floorLevelType": "string",
"floorLevelNumber": "string",
"lotNumber": "string",
"buildingName1": "string",
"buildingName2": "string",
"streetName": "string",
"streetType": "string",
"streetSuffix": "string",
"postalDeliveryType": "string",
"postalDeliveryNumber": 0,
"postalDeliveryNumberPrefix": "string",
"postalDeliveryNumberSuffix": "string",
"localityName": "string",
"postcode": "string",
"state": "string"
}
}
]
}
Properties
allOf
Name |
Type |
Required |
Default |
Description |
anonymous |
BankingAccountV2 |
mandatory |
|
none |
and
Name |
Type |
Required |
Default |
Description |
anonymous |
object |
mandatory |
|
none |
» bsb |
string |
optional |
|
The unmasked BSB for the account. Is expected to be formatted as digits only with leading zeros included and no punctuation or spaces. |
» accountNumber |
string |
optional |
|
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. |
» bundleName |
string |
optional |
|
Optional field to indicate if this account is part of a bundle that is providing additional benefit to the customer. |
» specificAccountUType |
Enum |
optional |
|
The type of structure to present account specific fields. |
» termDeposit |
[BankingTermDepositAccount] |
conditional |
|
Mandatory if the specificAccountUType value is termDeposit . |
» creditCard |
BankingCreditCardAccount |
conditional |
|
Mandatory if the specificAccountUType value is creditCard . |
» loan |
BankingLoanAccountV3 |
conditional |
|
Mandatory if the specificAccountUType value is loan . |
» depositRate |
RateString |
optional |
|
Current rate to calculate interest earned being applied to deposit balances as it stands at the time of the API call. |
» lendingRate |
RateString |
optional |
|
The current rate to calculate interest payable being applied to lending balances as it stands at the time of the API call. |
» depositRates |
[BankingProductDepositRateV2] |
optional |
|
Fully described deposit rates for this account based on the equivalent structure in Product Reference. |
» lendingRates |
[BankingProductLendingRateV3] |
optional |
|
Fully described lending rates for this account based on the equivalent structure in Product Reference. |
» features |
[allOf] |
optional |
|
Array of features of the account based on the equivalent structure in Product Reference with the following additional field. |
allOf
and
Name |
Type |
Required |
Default |
Description |
»» anonymous |
object |
mandatory |
|
none |
»»» isActivated |
Enum |
optional |
UNKNOWN |
ACTIVATED if the feature has been activated by the customer or is a standard feature of the productNOT_ACTIVATED if the feature is not activated but is available for activationUNKNOWN or absent if the activation state is unknown. Note: This is an additional field appended to the feature structure defined in the Product Reference payload. |
continued
Name |
Type |
Required |
Default |
Description |
» fees |
[BankingProductFeeV2] |
optional |
|
Fees and charges applicable to the account based on the equivalent structure in Product Reference. |
» addresses |
[CommonPhysicalAddress] |
optional |
|
The addresses for the account to be used for correspondence. |
Enumerated Values
Property |
Value |
specificAccountUType |
creditCard |
specificAccountUType |
loan |
specificAccountUType |
termDeposit |
isActivated |
ACTIVATED |
isActivated |
NOT_ACTIVATED |
isActivated |
UNKNOWN |
BankingTermDepositAccount
{
"lodgementDate": "string",
"maturityDate": "string",
"maturityAmount": "string",
"maturityCurrency": "AUD",
"maturityInstructions": "HOLD_ON_MATURITY"
}
Properties
Name |
Type |
Required |
Default |
Description |
lodgementDate |
DateString |
mandatory |
|
The lodgement date of the original deposit. |
maturityDate |
DateString |
mandatory |
|
Maturity date for the term deposit. |
maturityAmount |
AmountString |
optional |
|
Amount to be paid upon maturity. If absent it implies the amount to paid is variable and cannot currently be calculated. |
maturityCurrency |
CurrencyString |
optional |
AUD |
If absent assumes AUD . |
maturityInstructions |
Enum |
mandatory |
|
Current instructions on action to be taken at maturity. This includes default actions that may be specified in the terms and conditions for the product e.g., roll-over to the same term and frequency of interest payments. |
Enumerated Values
Property |
Value |
maturityInstructions |
HOLD_ON_MATURITY |
maturityInstructions |
PAID_OUT_AT_MATURITY |
maturityInstructions |
ROLLED_OVER |
BankingCreditCardAccount
{
"minPaymentAmount": "string",
"paymentDueAmount": "string",
"paymentCurrency": "AUD",
"paymentDueDate": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
minPaymentAmount |
AmountString |
mandatory |
|
The minimum payment amount due for the next card payment. |
paymentDueAmount |
AmountString |
mandatory |
|
The amount due for the next card payment. |
paymentCurrency |
CurrencyString |
optional |
AUD |
If absent assumes AUD . |
paymentDueDate |
DateString |
mandatory |
|
Date that the next payment for the card is due. |
BankingLoanAccountV3
{
"originalStartDate": "string",
"originalLoanAmount": "string",
"originalLoanCurrency": "AUD",
"loanEndDate": "string",
"nextInstalmentDate": "string",
"minInstalmentAmount": "string",
"minInstalmentCurrency": "AUD",
"maxRedraw": "string",
"maxRedrawCurrency": "AUD",
"minRedraw": "string",
"minRedrawCurrency": "AUD",
"offsetAccountEnabled": true,
"offsetAccountIds": [
"string"
],
"repaymentType": "INTEREST_ONLY",
"repaymentFrequency": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
originalStartDate |
DateString |
optional |
|
Optional original start date for the loan. |
originalLoanAmount |
AmountString |
optional |
|
Optional original loan value. |
originalLoanCurrency |
CurrencyString |
optional |
AUD |
If absent assumes AUD . |
loanEndDate |
DateString |
optional |
|
Date that the loan is due to be repaid in full. |
nextInstalmentDate |
DateString |
optional |
|
Next date that an instalment is required. |
minInstalmentAmount |
AmountString |
optional |
|
Minimum amount of next instalment. |
minInstalmentCurrency |
CurrencyString |
optional |
AUD |
If absent assumes AUD . |
maxRedraw |
AmountString |
optional |
|
Maximum amount of funds that can be redrawn. If not present redraw is not available even if the feature exists for the account. |
maxRedrawCurrency |
CurrencyString |
optional |
AUD |
If absent assumes AUD . |
minRedraw |
AmountString |
optional |
|
Minimum redraw amount. |
minRedrawCurrency |
CurrencyString |
optional |
AUD |
If absent assumes AUD . |
offsetAccountEnabled |
Boolean |
optional |
|
Set to true if one or more offset accounts are configured for this loan account. |
offsetAccountIds |
[BankingAccountId] |
optional |
|
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. |
repaymentType |
Enum |
mandatory |
|
Option in place for repayments. |
repaymentFrequency |
ExternalRef |
optional |
|
The expected or required repayment frequency. Formatted according to ISO 8601 Durations (excludes recurrence syntax). |
Enumerated Values
Property |
Value |
repaymentType |
INTEREST_ONLY |
repaymentType |
OTHER |
repaymentType |
PRINCIPAL_AND_INTEREST |
repaymentType |
UNCONSTRAINED |
ResponseBankingTransactionList
{
"data": {
"transactions": [
{
"accountId": "string",
"transactionId": "string",
"isDetailAvailable": true,
"type": "DIRECT_DEBIT",
"status": "PENDING",
"description": "string",
"postingDateTime": "string",
"valueDateTime": "string",
"executionDateTime": "string",
"amount": "string",
"currency": "AUD",
"reference": "string",
"merchantName": "string",
"merchantCategoryCode": "string",
"billerCode": "string",
"billerName": "string",
"crn": "string",
"apcaNumber": "string"
}
]
},
"links": {
"self": "string",
"first": "string",
"prev": "string",
"next": "string",
"last": "string"
},
"meta": {
"totalRecords": 0,
"totalPages": 0,
"isQueryParamUnsupported": false
}
}
Properties
BankingTransaction
{
"accountId": "string",
"transactionId": "string",
"isDetailAvailable": true,
"type": "DIRECT_DEBIT",
"status": "PENDING",
"description": "string",
"postingDateTime": "string",
"valueDateTime": "string",
"executionDateTime": "string",
"amount": "string",
"currency": "AUD",
"reference": "string",
"merchantName": "string",
"merchantCategoryCode": "string",
"billerCode": "string",
"billerName": "string",
"crn": "string",
"apcaNumber": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
accountId |
BankingAccountId |
mandatory |
|
Unique identifier for the account. |
transactionId |
BankingTransactionId |
conditional |
|
Unique identifier for the transaction. This is mandatory (through hashing if necessary) unless there are specific and justifiable technical reasons why a transaction cannot be uniquely identified for a particular account type. Mandatory if the isDetailAvailable value is true . |
isDetailAvailable |
Boolean |
mandatory |
|
true if extended information is available using the transaction detail endpoint. false if extended data is not available. |
type |
Enum |
mandatory |
|
The type of the transaction. |
status |
Enum |
mandatory |
|
Status of the transaction whether pending or posted. Note that there is currently no provision in the standards to guarantee the ability to correlate a pending transaction with an associated posted transaction. |
description |
string |
mandatory |
|
The transaction description as applied by the financial institution. |
postingDateTime |
DateTimeString |
conditional |
|
The time the transaction was posted. This field is Mandatory if the transaction has status POSTED . This is the time that appears on a standard statement. |
valueDateTime |
DateTimeString |
optional |
|
Date and time at which assets become available to the account owner in case of a credit entry, or cease to be available to the account owner in case of a debit transaction entry. |
executionDateTime |
DateTimeString |
optional |
|
The time the transaction was executed by the originating customer, if available. |
amount |
AmountString |
mandatory |
|
The value of the transaction. Negative values mean money was outgoing from the account. |
currency |
CurrencyString |
optional |
AUD |
The currency for the transaction amount. AUD assumed if not present. |
reference |
string |
mandatory |
|
The reference for the transaction provided by the originating institution. Empty string if no data provided. |
merchantName |
string |
optional |
|
Name of the merchant for an outgoing payment to a merchant. |
merchantCategoryCode |
string |
optional |
|
The merchant category code (or MCC) for an outgoing payment to a merchant. |
billerCode |
string |
optional |
|
BPAY Biller Code for the transaction (if available). |
billerName |
string |
optional |
|
Name of the BPAY biller for the transaction (if available). |
crn |
string |
conditional |
|
BPAY CRN for the transaction (if available). Where the CRN contains sensitive information, it should be masked in line with how the Data Holder currently displays account identifiers in their existing online banking channels. If the contents of the CRN match the format of a Credit Card PAN they should be masked according to the rules applicable for MaskedPANString. If the contents are otherwise sensitive, then it should be masked using the rules applicable for the MaskedAccountString common type. |
apcaNumber |
string |
optional |
|
6 Digit APCA number for the initiating institution. The field is fixed-width and padded with leading zeros if applicable. |
Enumerated Values
Property |
Value |
type |
DIRECT_DEBIT |
type |
FEE |
type |
INTEREST_CHARGED |
type |
INTEREST_PAID |
type |
OTHER |
type |
PAYMENT |
type |
TRANSFER_INCOMING |
type |
TRANSFER_OUTGOING |
status |
PENDING |
status |
POSTED |
ResponseBankingTransactionByIdV2
{
"data": {
"accountId": "string",
"transactionId": "string",
"isDetailAvailable": true,
"type": "DIRECT_DEBIT",
"status": "PENDING",
"description": "string",
"postingDateTime": "string",
"valueDateTime": "string",
"executionDateTime": "string",
"amount": "string",
"currency": "AUD",
"reference": "string",
"merchantName": "string",
"merchantCategoryCode": "string",
"billerCode": "string",
"billerName": "string",
"crn": "string",
"apcaNumber": "string",
"extendedData": {
"payer": "string",
"payee": "string",
"extensionUType": "nppPayload",
"nppPayload": {
"extendedDescription": "string",
"endToEndId": "string",
"purposeCode": "string",
"service": "X2P1",
"serviceVersion": "03"
}
}
},
"links": {
"self": "string"
},
"meta": {}
}
Properties
BankingTransactionDetailV2
{
"accountId": "string",
"transactionId": "string",
"isDetailAvailable": true,
"type": "DIRECT_DEBIT",
"status": "PENDING",
"description": "string",
"postingDateTime": "string",
"valueDateTime": "string",
"executionDateTime": "string",
"amount": "string",
"currency": "AUD",
"reference": "string",
"merchantName": "string",
"merchantCategoryCode": "string",
"billerCode": "string",
"billerName": "string",
"crn": "string",
"apcaNumber": "string",
"extendedData": {
"payer": "string",
"payee": "string",
"extensionUType": "nppPayload",
"nppPayload": {
"extendedDescription": "string",
"endToEndId": "string",
"purposeCode": "string",
"service": "X2P1",
"serviceVersion": "03"
}
}
}
Properties
allOf
and
Name |
Type |
Required |
Default |
Description |
anonymous |
object |
mandatory |
|
none |
» extendedData |
object |
mandatory |
|
none |
»» payer |
string |
conditional |
|
Label of the originating payer. Mandatory for inbound payment. |
»» payee |
string |
conditional |
|
Label of the target PayID. Mandatory for an outbound payment. The name assigned to the BSB/Account Number or PayID (by the owner of the PayID). |
»» extensionUType |
Enum |
optional |
|
Optional extended data specific to transactions. Currently extended data is supported for NPP service overlays. |
»» nppPayload |
object |
conditional |
|
Required if the extensionUType value is nppPayload . |
»»» extendedDescription |
string |
conditional |
|
An extended string description. Required if the extensionUType value is nppPayload . |
»»» endToEndId |
string |
optional |
|
An end to end ID for the payment created at initiation. |
»»» purposeCode |
ExternalRef |
optional |
|
Purpose of the payment. Format is defined by the NPP standards for the NPP overlay services including Osko (X2P1). |
»»» service |
NppPaymentService |
mandatory |
|
Identifier of the applicable overlay service. The service is used in conjunction with the serviceVersion. See here for more details. |
»»» serviceVersion |
ExternalRef |
mandatory |
|
Two-digit NPP service overlay version with leading zero. |
Enumerated Values
Property |
Value |
extensionUType |
nppPayload |
ResponseBankingAccountsBalanceList
{
"data": {
"balances": [
{
"accountId": "string",
"currentBalance": "string",
"availableBalance": "string",
"creditLimit": "string",
"amortisedLimit": "string",
"currency": "AUD",
"purses": [
{
"amount": "string",
"currency": "string"
}
]
}
]
},
"links": {
"self": "string",
"first": "string",
"prev": "string",
"next": "string",
"last": "string"
},
"meta": {
"totalRecords": 0,
"totalPages": 0
}
}
Properties
ResponseBankingAccountsBalanceById
{
"data": {
"accountId": "string",
"currentBalance": "string",
"availableBalance": "string",
"creditLimit": "string",
"amortisedLimit": "string",
"currency": "AUD",
"purses": [
{
"amount": "string",
"currency": "string"
}
]
},
"links": {
"self": "string"
},
"meta": {}
}
Properties
Name |
Type |
Required |
Default |
Description |
data |
BankingBalance |
mandatory |
|
none |
links |
Links |
mandatory |
|
none |
meta |
Meta |
optional |
|
none |
BankingBalance
{
"accountId": "string",
"currentBalance": "string",
"availableBalance": "string",
"creditLimit": "string",
"amortisedLimit": "string",
"currency": "AUD",
"purses": [
{
"amount": "string",
"currency": "string"
}
]
}
Properties
Name |
Type |
Required |
Default |
Description |
accountId |
BankingAccountId |
mandatory |
|
Unique identifier for the account. |
currentBalance |
AmountString |
mandatory |
|
The balance of the account at this time. Should align to the balance available via other channels such as Internet Banking. Assumed to be negative if the customer has money owing. |
availableBalance |
AmountString |
mandatory |
|
Balance representing the amount of funds available for transfer. Assumed to be zero or positive. |
creditLimit |
AmountString |
optional |
|
Object representing the maximum amount of credit that is available for this account. Assumed to be zero if absent. |
amortisedLimit |
AmountString |
optional |
|
Object representing the available limit amortised according to payment schedule. Assumed to be zero if absent. |
currency |
CurrencyString |
optional |
AUD |
The currency for the balance amounts. If absent assumed to be AUD . |
purses |
[BankingBalancePurse] |
optional |
|
Optional array of balances for the account in other currencies. Included to support accounts that support multi-currency purses such as Travel Cards. |
BankingBalancePurse
{
"amount": "string",
"currency": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
amount |
AmountString |
mandatory |
|
The balance available for this additional currency purse. |
currency |
CurrencyString |
optional |
|
The currency for the purse. |
ResponseBankingPayeeListV2
{
"data": {
"payees": [
{
"payeeId": "string",
"nickname": "string",
"description": "string",
"type": "BILLER",
"creationDate": "string"
}
]
},
"links": {
"self": "string",
"first": "string",
"prev": "string",
"next": "string",
"last": "string"
},
"meta": {
"totalRecords": 0,
"totalPages": 0
}
}
Properties
ResponseBankingPayeeByIdV2
{
"data": {
"payeeId": "string",
"nickname": "string",
"description": "string",
"type": "BILLER",
"creationDate": "string",
"payeeUType": "biller",
"biller": {
"billerCode": "string",
"crn": "string",
"billerName": "string"
},
"domestic": {
"payeeAccountUType": "account",
"account": {
"accountName": "string",
"bsb": "string",
"accountNumber": "string"
},
"card": {
"cardNumber": "string"
},
"payId": {
"name": "string",
"identifier": "string",
"type": "ABN"
}
},
"digitalWallet": {
"name": "string",
"identifier": "string",
"type": "EMAIL",
"provider": "PAYPAL_AU"
},
"international": {
"beneficiaryDetails": {
"name": "string",
"country": "string",
"message": "string"
},
"bankDetails": {
"country": "string",
"accountNumber": "string",
"bankAddress": {
"name": "string",
"address": "string"
},
"beneficiaryBankBIC": "string",
"fedWireNumber": "string",
"sortCode": "string",
"chipNumber": "string",
"routingNumber": "string",
"legalEntityIdentifier": "string"
}
}
},
"links": {
"self": "string"
},
"meta": {}
}
Properties
BankingPayeeV2
{
"payeeId": "string",
"nickname": "string",
"description": "string",
"type": "BILLER",
"creationDate": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
payeeId |
BankingPayeeId |
mandatory |
|
Unique identifier for the payee. |
nickname |
string |
mandatory |
|
The short display name of the payee as provided by the customer. Where a customer has not provided a nickname, a display name derived by the bank for the payee consistent with existing digital banking channels. |
description |
string |
optional |
|
A description of the payee provided by the customer. |
type |
Enum |
mandatory |
|
The type of payee.DOMESTIC means a registered payee for domestic payments including NPP.INTERNATIONAL means a registered payee for international payments.BILLER means a registered payee for BPAY.DIGITAL_WALLET means a registered payee for a bank's digital wallet.
|
creationDate |
DateString |
optional |
|
The date the payee was created by the customer. |
Enumerated Values
Property |
Value |
type |
BILLER |
type |
DIGITAL_WALLET |
type |
DOMESTIC |
type |
INTERNATIONAL |
BankingPayeeDetailV2
{
"payeeId": "string",
"nickname": "string",
"description": "string",
"type": "BILLER",
"creationDate": "string",
"payeeUType": "biller",
"biller": {
"billerCode": "string",
"crn": "string",
"billerName": "string"
},
"domestic": {
"payeeAccountUType": "account",
"account": {
"accountName": "string",
"bsb": "string",
"accountNumber": "string"
},
"card": {
"cardNumber": "string"
},
"payId": {
"name": "string",
"identifier": "string",
"type": "ABN"
}
},
"digitalWallet": {
"name": "string",
"identifier": "string",
"type": "EMAIL",
"provider": "PAYPAL_AU"
},
"international": {
"beneficiaryDetails": {
"name": "string",
"country": "string",
"message": "string"
},
"bankDetails": {
"country": "string",
"accountNumber": "string",
"bankAddress": {
"name": "string",
"address": "string"
},
"beneficiaryBankBIC": "string",
"fedWireNumber": "string",
"sortCode": "string",
"chipNumber": "string",
"routingNumber": "string",
"legalEntityIdentifier": "string"
}
}
}
Properties
allOf
Name |
Type |
Required |
Default |
Description |
anonymous |
BankingPayeeV2 |
mandatory |
|
none |
and
Enumerated Values
Property |
Value |
payeeUType |
biller |
payeeUType |
digitalWallet |
payeeUType |
domestic |
payeeUType |
international |
BankingDomesticPayee
{
"payeeAccountUType": "account",
"account": {
"accountName": "string",
"bsb": "string",
"accountNumber": "string"
},
"card": {
"cardNumber": "string"
},
"payId": {
"name": "string",
"identifier": "string",
"type": "ABN"
}
}
Properties
Name |
Type |
Required |
Default |
Description |
payeeAccountUType |
Enum |
mandatory |
|
Type of account object included. Valid values are: account A standard Australian account defined by BSB/Account Number.card A credit or charge card to pay to (note that PANs are masked).payId A PayID recognised by NPP.
|
account |
BankingDomesticPayeeAccount |
conditional |
|
none |
card |
BankingDomesticPayeeCard |
conditional |
|
none |
payId |
BankingDomesticPayeePayId |
conditional |
|
none |
Enumerated Values
Property |
Value |
payeeAccountUType |
account |
payeeAccountUType |
card |
payeeAccountUType |
payId |
BankingDomesticPayeeAccount
{
"accountName": "string",
"bsb": "string",
"accountNumber": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
accountName |
string |
optional |
|
Name of the account to pay to. |
bsb |
string |
mandatory |
|
BSB of the account to pay to. |
accountNumber |
string |
mandatory |
|
Number of the account to pay to. |
BankingDomesticPayeeCard
{
"cardNumber": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
cardNumber |
MaskedPANString |
mandatory |
|
Name of the account to pay to. |
BankingDomesticPayeePayId
{
"name": "string",
"identifier": "string",
"type": "ABN"
}
Properties
Name |
Type |
Required |
Default |
Description |
name |
string |
optional |
|
The name assigned to the PayID by the owner of the PayID. |
identifier |
string |
mandatory |
|
The identifier of the PayID (dependent on type). |
type |
Enum |
mandatory |
|
The type of the PayID. |
Enumerated Values
Property |
Value |
type |
ABN |
type |
EMAIL |
type |
ORG_IDENTIFIER |
type |
TELEPHONE |
BankingBillerPayee
{
"billerCode": "string",
"crn": "string",
"billerName": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
billerCode |
string |
mandatory |
|
BPAY Biller Code of the Biller. |
crn |
string |
conditional |
|
BPAY CRN of the Biller (if available). Where the CRN contains sensitive information, it should be masked in line with how the Data Holder currently displays account identifiers in their existing online banking channels. If the contents of the CRN match the format of a Credit Card PAN they should be masked according to the rules applicable for MaskedPANString. If the contents are otherwise sensitive, then it should be masked using the rules applicable for the MaskedAccountString common type. |
billerName |
string |
mandatory |
|
Name of the Biller. |
BankingInternationalPayee
{
"beneficiaryDetails": {
"name": "string",
"country": "string",
"message": "string"
},
"bankDetails": {
"country": "string",
"accountNumber": "string",
"bankAddress": {
"name": "string",
"address": "string"
},
"beneficiaryBankBIC": "string",
"fedWireNumber": "string",
"sortCode": "string",
"chipNumber": "string",
"routingNumber": "string",
"legalEntityIdentifier": "string"
}
}
Properties
Name |
Type |
Required |
Default |
Description |
beneficiaryDetails |
object |
mandatory |
|
none |
» name |
string |
optional |
|
Name of the beneficiary. |
» country |
ExternalRef |
mandatory |
|
Country where the beneficiary resides. A valid ISO 3166 Alpha-3 country code. |
» message |
string |
optional |
|
Response message for the payment. |
bankDetails |
object |
mandatory |
|
none |
» country |
ExternalRef |
mandatory |
|
Country of the recipient institution. A valid ISO 3166 Alpha-3 country code. |
» accountNumber |
string |
mandatory |
|
Account Targeted for payment. |
» bankAddress |
object |
optional |
|
none |
»» name |
string |
mandatory |
|
Name of the recipient Bank. |
»» address |
string |
mandatory |
|
Address of the recipient Bank. |
» beneficiaryBankBIC |
ExternalRef |
optional |
|
Swift bank code. Aligns with standard ISO 9362. |
» fedWireNumber |
string |
optional |
|
Number for Fedwire payment (Federal Reserve Wire Network). |
» sortCode |
string |
optional |
|
Sort code used for account identification in some jurisdictions. |
» chipNumber |
string |
optional |
|
Number for the Clearing House Interbank Payments System. |
» routingNumber |
string |
optional |
|
International bank routing number. |
» legalEntityIdentifier |
ExternalRef |
optional |
|
The legal entity identifier (LEI) for the beneficiary. Aligns with ISO 17442. |
BankingDigitalWalletPayee
{
"name": "string",
"identifier": "string",
"type": "EMAIL",
"provider": "PAYPAL_AU"
}
Properties
Name |
Type |
Required |
Default |
Description |
name |
string |
mandatory |
|
The display name of the wallet as given by the customer, else a default value defined by the data holder. |
identifier |
string |
mandatory |
|
The identifier of the digital wallet (dependent on type). |
type |
Enum |
mandatory |
|
The type of the digital wallet identifier. |
provider |
Enum |
mandatory |
|
The provider of the digital wallet. |
Enumerated Values
Property |
Value |
type |
EMAIL |
type |
CONTACT_NAME |
type |
TELEPHONE |
provider |
PAYPAL_AU |
provider |
OTHER |
ResponseBankingDirectDebitAuthorisationList
{
"data": {
"directDebitAuthorisations": [
{
"accountId": "string",
"authorisedEntity": {
"description": "string",
"financialInstitution": "string",
"abn": "string",
"acn": "string",
"arbn": "string"
},
"lastDebitDateTime": "string",
"lastDebitAmount": "string"
}
]
},
"links": {
"self": "string",
"first": "string",
"prev": "string",
"next": "string",
"last": "string"
},
"meta": {
"totalRecords": 0,
"totalPages": 0
}
}
Properties
Name |
Type |
Required |
Default |
Description |
data |
object |
mandatory |
|
none |
» directDebitAuthorisations |
[BankingDirectDebit] |
mandatory |
|
The list of authorisations returned. |
links |
LinksPaginated |
mandatory |
|
none |
meta |
MetaPaginated |
mandatory |
|
none |
BankingDirectDebit
{
"accountId": "string",
"authorisedEntity": {
"description": "string",
"financialInstitution": "string",
"abn": "string",
"acn": "string",
"arbn": "string"
},
"lastDebitDateTime": "string",
"lastDebitAmount": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
accountId |
BankingAccountId |
mandatory |
|
Unique identifier for the account. |
authorisedEntity |
BankingAuthorisedEntity |
mandatory |
|
none |
lastDebitDateTime |
DateTimeString |
optional |
|
The date and time of the last debit executed under this authorisation. |
lastDebitAmount |
AmountString |
optional |
|
The amount of the last debit executed under this authorisation. |
BankingAuthorisedEntity
{
"description": "string",
"financialInstitution": "string",
"abn": "string",
"acn": "string",
"arbn": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
description |
string |
optional |
|
Description of the authorised entity derived from previously executed direct debits. |
financialInstitution |
string |
conditional |
|
Name of the financial institution through which the direct debit will be executed. Is required unless the payment is made via a credit card scheme. |
abn |
string |
optional |
|
Australian Business Number for the authorised entity. |
acn |
string |
optional |
|
Australian Company Number for the authorised entity. |
arbn |
string |
optional |
|
Australian Registered Body Number for the authorised entity. |
ResponseBankingScheduledPaymentsListV2
{
"data": {
"scheduledPayments": [
{
"scheduledPaymentId": "string",
"nickname": "string",
"payerReference": "string",
"payeeReference": "string",
"status": "ACTIVE",
"from": {
"accountId": "string"
},
"paymentSet": [
{
"to": {
"toUType": "accountId",
"accountId": "string",
"payeeId": "string",
"nickname": "string",
"payeeReference": "string",
"digitalWallet": {
"name": "string",
"identifier": "string",
"type": "EMAIL",
"provider": "PAYPAL_AU"
},
"domestic": {
"payeeAccountUType": "account",
"account": {
"accountName": "string",
"bsb": "string",
"accountNumber": "string"
},
"card": {
"cardNumber": "string"
},
"payId": {
"name": "string",
"identifier": "string",
"type": "ABN"
}
},
"biller": {
"billerCode": "string",
"crn": "string",
"billerName": "string"
},
"international": {
"beneficiaryDetails": {
"name": "string",
"country": "string",
"message": "string"
},
"bankDetails": {
"country": "string",
"accountNumber": "string",
"bankAddress": {
"name": "string",
"address": "string"
},
"beneficiaryBankBIC": "string",
"fedWireNumber": "string",
"sortCode": "string",
"chipNumber": "string",
"routingNumber": "string",
"legalEntityIdentifier": "string"
}
}
},
"isAmountCalculated": false,
"amount": "string",
"currency": "AUD"
}
],
"recurrence": {
"nextPaymentDate": "string",
"recurrenceUType": "eventBased",
"onceOff": {
"paymentDate": "string"
},
"intervalSchedule": {
"finalPaymentDate": "string",
"paymentsRemaining": 1,
"nonBusinessDayTreatment": "AFTER",
"intervals": [
{
"interval": "string",
"dayInInterval": "string"
}
]
},
"lastWeekDay": {
"finalPaymentDate": "string",
"paymentsRemaining": 1,
"interval": "string",
"lastWeekDay": "FRI",
"nonBusinessDayTreatment": "AFTER"
},
"eventBased": {
"description": "string"
}
}
}
]
},
"links": {
"self": "string",
"first": "string",
"prev": "string",
"next": "string",
"last": "string"
},
"meta": {
"totalRecords": 0,
"totalPages": 0
}
}
Properties
BankingScheduledPaymentV2
{
"scheduledPaymentId": "string",
"nickname": "string",
"payerReference": "string",
"payeeReference": "string",
"status": "ACTIVE",
"from": {
"accountId": "string"
},
"paymentSet": [
{
"to": {
"toUType": "accountId",
"accountId": "string",
"payeeId": "string",
"nickname": "string",
"payeeReference": "string",
"digitalWallet": {
"name": "string",
"identifier": "string",
"type": "EMAIL",
"provider": "PAYPAL_AU"
},
"domestic": {
"payeeAccountUType": "account",
"account": {
"accountName": "string",
"bsb": "string",
"accountNumber": "string"
},
"card": {
"cardNumber": "string"
},
"payId": {
"name": "string",
"identifier": "string",
"type": "ABN"
}
},
"biller": {
"billerCode": "string",
"crn": "string",
"billerName": "string"
},
"international": {
"beneficiaryDetails": {
"name": "string",
"country": "string",
"message": "string"
},
"bankDetails": {
"country": "string",
"accountNumber": "string",
"bankAddress": {
"name": "string",
"address": "string"
},
"beneficiaryBankBIC": "string",
"fedWireNumber": "string",
"sortCode": "string",
"chipNumber": "string",
"routingNumber": "string",
"legalEntityIdentifier": "string"
}
}
},
"isAmountCalculated": false,
"amount": "string",
"currency": "AUD"
}
],
"recurrence": {
"nextPaymentDate": "string",
"recurrenceUType": "eventBased",
"onceOff": {
"paymentDate": "string"
},
"intervalSchedule": {
"finalPaymentDate": "string",
"paymentsRemaining": 1,
"nonBusinessDayTreatment": "AFTER",
"intervals": [
{
"interval": "string",
"dayInInterval": "string"
}
]
},
"lastWeekDay": {
"finalPaymentDate": "string",
"paymentsRemaining": 1,
"interval": "string",
"lastWeekDay": "FRI",
"nonBusinessDayTreatment": "AFTER"
},
"eventBased": {
"description": "string"
}
}
}
Properties
Name |
Type |
Required |
Default |
Description |
scheduledPaymentId |
BankingScheduledPaymentId |
mandatory |
|
Unique identifier for the scheduled payment. |
nickname |
string |
optional |
|
The short display name of the scheduled payment as provided by the customer if provided. Where a customer has not provided a nickname, a display name derived by the bank for the scheduled payment should be provided that is consistent with existing digital banking channels. |
payerReference |
string |
mandatory |
|
The reference for the transaction that will be used by the originating institution for the purposes of constructing a statement narrative on the payer’s account. Empty string if no data provided. |
payeeReference |
string |
conditional |
|
The reference for the transaction, if applicable, that will be provided by the originating institution for all payments in the payment set. Empty string if no data provided. |
status |
Enum |
mandatory |
|
Indicates whether the schedule is currently active. The value SKIP is equivalent to ACTIVE except that the customer has requested the next normal occurrence to be skipped. |
from |
BankingScheduledPaymentFrom |
mandatory |
|
Object containing details of the source of the payment. Currently only specifies an accountId but provided as an object to facilitate future extensibility and consistency with the to object. |
paymentSet |
[BankingScheduledPaymentSetV2] |
mandatory |
|
[The set of payment amounts and destination accounts for this payment accommodating multi-part payments. A single entry indicates a simple payment with one destination account. Must have at least one entry.] |
recurrence |
BankingScheduledPaymentRecurrence |
mandatory |
|
Object containing the detail of the schedule for the payment. |
Enumerated Values
Property |
Value |
status |
ACTIVE |
status |
INACTIVE |
status |
SKIP |
BankingScheduledPaymentSetV2
{
"to": {
"toUType": "accountId",
"accountId": "string",
"payeeId": "string",
"nickname": "string",
"payeeReference": "string",
"digitalWallet": {
"name": "string",
"identifier": "string",
"type": "EMAIL",
"provider": "PAYPAL_AU"
},
"domestic": {
"payeeAccountUType": "account",
"account": {
"accountName": "string",
"bsb": "string",
"accountNumber": "string"
},
"card": {
"cardNumber": "string"
},
"payId": {
"name": "string",
"identifier": "string",
"type": "ABN"
}
},
"biller": {
"billerCode": "string",
"crn": "string",
"billerName": "string"
},
"international": {
"beneficiaryDetails": {
"name": "string",
"country": "string",
"message": "string"
},
"bankDetails": {
"country": "string",
"accountNumber": "string",
"bankAddress": {
"name": "string",
"address": "string"
},
"beneficiaryBankBIC": "string",
"fedWireNumber": "string",
"sortCode": "string",
"chipNumber": "string",
"routingNumber": "string",
"legalEntityIdentifier": "string"
}
}
},
"isAmountCalculated": false,
"amount": "string",
"currency": "AUD"
}
The set of payment amounts and destination accounts for this payment accommodating multi-part payments. A single entry indicates a simple payment with one destination account. Must have at least one entry.
Properties
Name |
Type |
Required |
Default |
Description |
to |
BankingScheduledPaymentToV2 |
mandatory |
|
Object containing details of the destination of the payment. Used to specify a variety of payment destination types. |
isAmountCalculated |
Boolean |
optional |
false |
Flag indicating whether the amount of the payment is calculated based on the context of the event. For instance a payment to reduce the balance of a credit card to zero. If absent then false is assumed. |
amount |
AmountString |
conditional |
|
The amount of the next payment if known. Mandatory unless the isAmountCalculated field is set to true . Must be zero or positive if present. |
currency |
CurrencyString |
optional |
AUD |
The currency for the payment. AUD assumed if not present. |
BankingScheduledPaymentToV2
{
"toUType": "accountId",
"accountId": "string",
"payeeId": "string",
"nickname": "string",
"payeeReference": "string",
"digitalWallet": {
"name": "string",
"identifier": "string",
"type": "EMAIL",
"provider": "PAYPAL_AU"
},
"domestic": {
"payeeAccountUType": "account",
"account": {
"accountName": "string",
"bsb": "string",
"accountNumber": "string"
},
"card": {
"cardNumber": "string"
},
"payId": {
"name": "string",
"identifier": "string",
"type": "ABN"
}
},
"biller": {
"billerCode": "string",
"crn": "string",
"billerName": "string"
},
"international": {
"beneficiaryDetails": {
"name": "string",
"country": "string",
"message": "string"
},
"bankDetails": {
"country": "string",
"accountNumber": "string",
"bankAddress": {
"name": "string",
"address": "string"
},
"beneficiaryBankBIC": "string",
"fedWireNumber": "string",
"sortCode": "string",
"chipNumber": "string",
"routingNumber": "string",
"legalEntityIdentifier": "string"
}
}
}
Object containing details of the destination of the payment. Used to specify a variety of payment destination types.
Properties
Name |
Type |
Required |
Default |
Description |
toUType |
Enum |
mandatory |
|
The type of object provided that specifies the destination of the funds for the payment. |
accountId |
BankingAccountId |
conditional |
|
Present if toUType is set to accountId . Indicates that the payment is to another account that is accessible under the current consent. |
payeeId |
BankingPayeeId |
conditional |
|
Present if toUType is set to payeeId . Indicates that the payment is to registered payee that can be accessed using the payee endpoint. If the Bank Payees scope has not been consented to then a payeeId should not be provided and the full payee details should be provided instead. |
nickname |
string |
conditional |
|
The short display name of the payee as provided by the customer unless toUType is set to payeeId . Where a customer has not provided a nickname, a display name derived by the bank for payee should be provided that is consistent with existing digital banking channels. |
payeeReference |
string |
conditional |
|
The reference for the transaction, if applicable, that will be provided by the originating institution for the specific payment. If not empty, it overrides the value provided at the BankingScheduledPayment level. |
digitalWallet |
BankingDigitalWalletPayee |
conditional |
|
none |
domestic |
BankingDomesticPayee |
conditional |
|
none |
biller |
BankingBillerPayee |
conditional |
|
none |
international |
BankingInternationalPayee |
conditional |
|
none |
Enumerated Values
Property |
Value |
toUType |
accountId |
toUType |
biller |
toUType |
digitalWallet |
toUType |
domestic |
toUType |
international |
toUType |
payeeId |
BankingScheduledPaymentFrom
{
"accountId": "string"
}
Object containing details of the source of the payment. Currently only specifies an accountId but provided as an object to facilitate future extensibility and consistency with the to object.
Properties
Name |
Type |
Required |
Default |
Description |
accountId |
BankingAccountId |
mandatory |
|
Unique identifier for the account. |
BankingScheduledPaymentRecurrence
{
"nextPaymentDate": "string",
"recurrenceUType": "eventBased",
"onceOff": {
"paymentDate": "string"
},
"intervalSchedule": {
"finalPaymentDate": "string",
"paymentsRemaining": 1,
"nonBusinessDayTreatment": "AFTER",
"intervals": [
{
"interval": "string",
"dayInInterval": "string"
}
]
},
"lastWeekDay": {
"finalPaymentDate": "string",
"paymentsRemaining": 1,
"interval": "string",
"lastWeekDay": "FRI",
"nonBusinessDayTreatment": "AFTER"
},
"eventBased": {
"description": "string"
}
}
Object containing the detail of the schedule for the payment.
Properties
Name |
Type |
Required |
Default |
Description |
nextPaymentDate |
DateString |
optional |
|
The date of the next payment under the recurrence schedule. |
recurrenceUType |
Enum |
mandatory |
|
The type of recurrence used to define the schedule. |
onceOff |
BankingScheduledPaymentRecurrenceOnceOff |
conditional |
|
Indicates that the payment is a once off payment on a specific future date. Mandatory if recurrenceUType is set to onceOff . |
intervalSchedule |
BankingScheduledPaymentRecurrenceIntervalSchedule |
conditional |
|
Indicates that the schedule of payments is defined by a series of intervals. Mandatory if recurrenceUType is set to intervalSchedule . |
lastWeekDay |
BankingScheduledPaymentRecurrenceLastWeekday |
conditional |
|
Indicates that the schedule of payments is defined according to the last occurrence of a specific weekday in an interval. Mandatory if recurrenceUType is set to lastWeekDay . |
eventBased |
BankingScheduledPaymentRecurrenceEventBased |
conditional |
|
Indicates that the schedule of payments is defined according to an external event that cannot be predetermined. Mandatory if recurrenceUType is set to eventBased . |
Enumerated Values
Property |
Value |
recurrenceUType |
eventBased |
recurrenceUType |
intervalSchedule |
recurrenceUType |
lastWeekDay |
recurrenceUType |
onceOff |
BankingScheduledPaymentRecurrenceOnceOff
{
"paymentDate": "string"
}
Indicates that the payment is a once off payment on a specific future date. Mandatory if recurrenceUType is set to onceOff
.
Properties
Name |
Type |
Required |
Default |
Description |
paymentDate |
DateString |
mandatory |
|
The scheduled date for the once off payment. |
BankingScheduledPaymentRecurrenceIntervalSchedule
{
"finalPaymentDate": "string",
"paymentsRemaining": 1,
"nonBusinessDayTreatment": "AFTER",
"intervals": [
{
"interval": "string",
"dayInInterval": "string"
}
]
}
Indicates that the schedule of payments is defined by a series of intervals. Mandatory if recurrenceUType is set to intervalSchedule
.
Properties
Name |
Type |
Required |
Default |
Description |
finalPaymentDate |
DateString |
optional |
|
The limit date after which no more payments should be made using this schedule. If both finalPaymentDate and paymentsRemaining are present then payments will stop according to the most constraining value. If neither field is present the payments will continue indefinitely. |
paymentsRemaining |
PositiveInteger |
optional |
|
Indicates the number of payments remaining in the schedule. If both finalPaymentDate and paymentsRemaining are present then payments will stop according to the most constraining value, If neither field is present the payments will continue indefinitely. |
nonBusinessDayTreatment |
Enum |
optional |
ON |
Enumerated field giving the treatment where a scheduled payment date is not a business day. If absent assumed to be ON .AFTER - If a scheduled payment date is a non-business day the payment will be made on the first business day after the scheduled payment date.BEFORE - If a scheduled payment date is a non-business day the payment will be made on the first business day before the scheduled payment date.ON - If a scheduled payment date is a non-business day the payment will be made on that day regardless.ONLY - Payments only occur on business days. If a scheduled payment date is a non-business day the payment will be ignored.
|
intervals |
[BankingScheduledPaymentInterval] |
mandatory |
|
An array of interval objects defining the payment schedule. Each entry in the array is additive, in that it adds payments to the overall payment schedule. If multiple intervals result in a payment on the same day then only one payment will be made. Must have at least one entry. |
Enumerated Values
Property |
Value |
nonBusinessDayTreatment |
AFTER |
nonBusinessDayTreatment |
BEFORE |
nonBusinessDayTreatment |
ON |
nonBusinessDayTreatment |
ONLY |
BankingScheduledPaymentInterval
{
"interval": "string",
"dayInInterval": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
interval |
ExternalRef |
mandatory |
|
An interval for the payment. Formatted according to ISO 8601 Durations (excludes recurrence syntax) with components less than a day in length ignored. This duration defines the period between payments starting with nextPaymentDate. |
dayInInterval |
ExternalRef |
optional |
|
Uses an interval to define the ordinal day within the interval defined by the interval field on which the payment occurs. If the resulting duration is 0 days in length or larger than the number of days in the interval then the payment will occur on the last day of the interval. A duration of 1 day indicates the first day of the interval. If absent the assumed value is P1D . Formatted according to ISO 8601 Durations (excludes recurrence syntax) with components less than a day in length ignored. The first day of a week is considered to be Monday. |
BankingScheduledPaymentRecurrenceLastWeekday
{
"finalPaymentDate": "string",
"paymentsRemaining": 1,
"interval": "string",
"lastWeekDay": "FRI",
"nonBusinessDayTreatment": "AFTER"
}
Indicates that the schedule of payments is defined according to the last occurrence of a specific weekday in an interval. Mandatory if recurrenceUType is set to lastWeekDay
.
Properties
Name |
Type |
Required |
Default |
Description |
finalPaymentDate |
DateString |
optional |
|
The limit date after which no more payments should be made using this schedule. If both finalPaymentDate and paymentsRemaining are present then payments will stop according to the most constraining value. If neither field is present the payments will continue indefinitely. |
paymentsRemaining |
PositiveInteger |
optional |
|
Indicates the number of payments remaining in the schedule. If both finalPaymentDate and paymentsRemaining are present then payments will stop according to the most constraining value. If neither field is present the payments will continue indefinitely. |
interval |
ExternalRef |
mandatory |
|
The interval for the payment. Formatted according to ISO 8601 Durations (excludes recurrence syntax) with components less than a day in length ignored. This duration defines the period between payments starting with nextPaymentDate. |
lastWeekDay |
Enum |
mandatory |
|
The weekDay specified. The payment will occur on the last occurrence of this weekday in the interval. |
nonBusinessDayTreatment |
Enum |
optional |
ON |
Enumerated field giving the treatment where a scheduled payment date is not a business day. If absent assumed to be ON .AFTER - If a scheduled payment date is a non-business day the payment will be made on the first business day after the scheduled payment date.BEFORE - If a scheduled payment date is a non-business day the payment will be made on the first business day before the scheduled payment date.ON - If a scheduled payment date is a non-business day the payment will be made on that day regardless.ONLY - Payments only occur on business days. If a scheduled payment date is a non-business day the payment will be ignored.
|
Enumerated Values
Property |
Value |
lastWeekDay |
FRI |
lastWeekDay |
MON |
lastWeekDay |
SAT |
lastWeekDay |
SUN |
lastWeekDay |
THU |
lastWeekDay |
TUE |
lastWeekDay |
WED |
nonBusinessDayTreatment |
AFTER |
nonBusinessDayTreatment |
BEFORE |
nonBusinessDayTreatment |
ON |
nonBusinessDayTreatment |
ONLY |
BankingScheduledPaymentRecurrenceEventBased
{
"description": "string"
}
Indicates that the schedule of payments is defined according to an external event that cannot be predetermined. Mandatory if recurrenceUType is set to eventBased
.
Properties
Name |
Type |
Required |
Default |
Description |
description |
string |
mandatory |
|
Description of the event and conditions that will result in the payment. Expected to be formatted for display to a customer. |
CommonPhysicalAddress
{
"addressUType": "paf",
"simple": {
"mailingName": "string",
"addressLine1": "string",
"addressLine2": "string",
"addressLine3": "string",
"postcode": "string",
"city": "string",
"state": "string",
"country": "AUS"
},
"paf": {
"dpid": "string",
"thoroughfareNumber1": 0,
"thoroughfareNumber1Suffix": "string",
"thoroughfareNumber2": 0,
"thoroughfareNumber2Suffix": "string",
"flatUnitType": "string",
"flatUnitNumber": "string",
"floorLevelType": "string",
"floorLevelNumber": "string",
"lotNumber": "string",
"buildingName1": "string",
"buildingName2": "string",
"streetName": "string",
"streetType": "string",
"streetSuffix": "string",
"postalDeliveryType": "string",
"postalDeliveryNumber": 0,
"postalDeliveryNumberPrefix": "string",
"postalDeliveryNumberSuffix": "string",
"localityName": "string",
"postcode": "string",
"state": "string"
}
}
Properties
Name |
Type |
Required |
Default |
Description |
addressUType |
Enum |
mandatory |
|
The type of address object present. |
simple |
CommonSimpleAddress |
conditional |
|
Required if addressUType is set to simple . |
paf |
CommonPAFAddress |
conditional |
|
Australian address formatted according to the file format defined by the PAF file format. Required if addressUType is set to paf . |
Enumerated Values
Property |
Value |
addressUType |
paf |
addressUType |
simple |
CommonSimpleAddress
{
"mailingName": "string",
"addressLine1": "string",
"addressLine2": "string",
"addressLine3": "string",
"postcode": "string",
"city": "string",
"state": "string",
"country": "AUS"
}
Required if addressUType is set to simple
.
Properties
Name |
Type |
Required |
Default |
Description |
mailingName |
string |
optional |
|
Name of the individual or business formatted for inclusion in an address used for physical mail. |
addressLine1 |
string |
mandatory |
|
First line of the standard address object. |
addressLine2 |
string |
optional |
|
Second line of the standard address object. |
addressLine3 |
string |
optional |
|
Third line of the standard address object. |
postcode |
string |
conditional |
|
Mandatory for Australian addresses. |
city |
string |
mandatory |
|
Name of the city or locality. |
state |
string |
mandatory |
|
Free text if the country is not Australia. If country is Australia then must be one of the values defined by the State Type Abbreviation in the PAF file format. NSW , QLD , VIC , NT , WA , SA , TAS , ACT , AAT . |
country |
ExternalRef |
optional |
AUS |
A valid ISO 3166 Alpha-3 country code. Australia (AUS ) is assumed if country is not present. |
CommonPAFAddress
{
"dpid": "string",
"thoroughfareNumber1": 0,
"thoroughfareNumber1Suffix": "string",
"thoroughfareNumber2": 0,
"thoroughfareNumber2Suffix": "string",
"flatUnitType": "string",
"flatUnitNumber": "string",
"floorLevelType": "string",
"floorLevelNumber": "string",
"lotNumber": "string",
"buildingName1": "string",
"buildingName2": "string",
"streetName": "string",
"streetType": "string",
"streetSuffix": "string",
"postalDeliveryType": "string",
"postalDeliveryNumber": 0,
"postalDeliveryNumberPrefix": "string",
"postalDeliveryNumberSuffix": "string",
"localityName": "string",
"postcode": "string",
"state": "string"
}
Australian address formatted according to the file format defined by the PAF file format. Required if addressUType is set to paf
.
Properties
Name |
Type |
Required |
Default |
Description |
dpid |
string |
optional |
|
Unique identifier for an address as defined by Australia Post. Also known as Delivery Point Identifier. |
thoroughfareNumber1 |
PositiveInteger |
optional |
|
Thoroughfare number for a property (first number in a property ranged address). |
thoroughfareNumber1Suffix |
string |
optional |
|
Suffix for the thoroughfare number. Only relevant if thoroughfareNumber1 is populated. |
thoroughfareNumber2 |
PositiveInteger |
optional |
|
Second thoroughfare number (only used if the property has a ranged address, e.g., 23-25). |
thoroughfareNumber2Suffix |
string |
optional |
|
Suffix for the second thoroughfare number. Only relevant if thoroughfareNumber2 is populated. |
flatUnitType |
string |
optional |
|
Type of flat or unit for the address. |
flatUnitNumber |
string |
optional |
|
Unit number (including suffix, if applicable). |
floorLevelType |
string |
optional |
|
Type of floor or level for the address. |
floorLevelNumber |
string |
optional |
|
Floor or level number (including alpha characters). |
lotNumber |
string |
optional |
|
Allotment number for the address. |
buildingName1 |
string |
optional |
|
Building/Property name 1. |
buildingName2 |
string |
optional |
|
Building/Property name 2. |
streetName |
string |
optional |
|
The name of the street. |
streetType |
string |
optional |
|
The street type. Valid enumeration defined by Australia Post PAF code file. |
streetSuffix |
string |
optional |
|
The street type suffix. Valid enumeration defined by Australia Post PAF code file. |
postalDeliveryType |
string |
optional |
|
Postal delivery type. (e.g., PO BOX). Valid enumeration defined by Australia Post PAF code file. |
postalDeliveryNumber |
PositiveInteger |
optional |
|
Postal delivery number if the address is a postal delivery type. |
postalDeliveryNumberPrefix |
string |
optional |
|
Postal delivery number prefix related to the postal delivery number. |
postalDeliveryNumberSuffix |
string |
optional |
|
Postal delivery number suffix related to the postal delivery number. |
localityName |
string |
mandatory |
|
Full name of locality. |
postcode |
string |
mandatory |
|
Postcode for the locality. |
state |
string |
mandatory |
|
State in which the address belongs. Valid enumeration defined by Australia Post PAF code file State Type Abbreviation. NSW , QLD , VIC , NT , WA , SA , TAS , ACT , AAT . |
Links
{
"self": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
self |
URIString |
mandatory |
|
Fully qualified link that generated the current response document. |
{}
None
LinksPaginated
{
"self": "string",
"first": "string",
"prev": "string",
"next": "string",
"last": "string"
}
Properties
Name |
Type |
Required |
Default |
Description |
self |
URIString |
mandatory |
|
Fully qualified link that generated the current response document. |
first |
URIString |
conditional |
|
URI to the first page of this set. Mandatory if this response is not the first page. |
prev |
URIString |
conditional |
|
URI to the previous page of this set. Mandatory if this response is not the first page. |
next |
URIString |
conditional |
|
URI to the next page of this set. Mandatory if this response is not the last page. |
last |
URIString |
conditional |
|
URI to the last page of this set. Mandatory if this response is not the last page. |
{
"totalRecords": 0,
"totalPages": 0
}
Name |
Type |
Required |
Default |
Description |
totalRecords |
NaturalNumber |
mandatory |
|
The total number of records in the full set. See pagination. |
totalPages |
NaturalNumber |
mandatory |
|
The total number of pages in the full set. See pagination. |
{
"totalRecords": 0,
"totalPages": 0,
"isQueryParamUnsupported": false
}
allOf
Name |
Type |
Required |
Default |
Description |
anonymous |
MetaPaginated |
mandatory |
|
none |
and
Name |
Type |
Required |
Default |
Description |
anonymous |
object |
mandatory |
|
none |
» isQueryParamUnsupported |
Boolean |
optional |
false |
true if text query parameter is not supported. |
ResponseErrorListV2
{
"errors": [
{
"code": "string",
"title": "string",
"detail": "string",
"meta": {
"urn": "string"
}
}
]
}
Properties
Name |
Type |
Required |
Default |
Description |
errors |
[ErrorV2] |
mandatory |
|
List of errors. |
ErrorV2
{
"code": "string",
"title": "string",
"detail": "string",
"meta": {
"urn": "string"
}
}
Properties
Name |
Type |
Required |
Default |
Description |
code |
string |
mandatory |
|
The code of the error encountered. Where the error is specific to the respondent, an application-specific error code, expressed as a string value. If the error is application-specific, the URN code that the specific error extends must be provided in the meta object. Otherwise, the value is the error code URN. |
title |
string |
mandatory |
|
A short, human-readable summary of the problem that MUST NOT change from occurrence to occurrence of the problem represented by the error code. |
detail |
string |
mandatory |
|
A human-readable explanation specific to this occurrence of the problem. |
meta |
object |
conditional |
|
Additional data for customised error codes. |
» urn |
string |
conditional |
|
The CDR error code URN which the application-specific error code extends. Mandatory if the error code is an application-specific error rather than a standardised error code. |
BankingProductCategory
"BUSINESS_LOANS"
The category to which a product or account belongs. See here for more details.
Properties
Name |
Type |
Required |
Default |
Description |
anonymous |
Enum |
mandatory |
|
The category to which a product or account belongs. See here for more details. |
Enumerated Values
Property |
Value |
anonymous |
BUSINESS_LOANS |
anonymous |
CRED_AND_CHRG_CARDS |
anonymous |
LEASES |
anonymous |
MARGIN_LOANS |
anonymous |
OVERDRAFTS |
anonymous |
PERS_LOANS |
anonymous |
REGULATED_TRUST_ACCOUNTS |
anonymous |
RESIDENTIAL_MORTGAGES |
anonymous |
TERM_DEPOSITS |
anonymous |
TRADE_FINANCE |
anonymous |
TRANS_AND_SAVINGS_ACCOUNTS |
anonymous |
TRAVEL_CARDS |
NppPaymentService
"X2P1"
Identifier of the applicable overlay service. The service is used in conjunction with the serviceVersion. See here for more details.
Properties
Name |
Type |
Required |
Default |
Description |
anonymous |
Enum |
mandatory |
|
Identifier of the applicable overlay service. The service is used in conjunction with the serviceVersion. See here for more details. |
Enumerated Values
Property |
Value |
anonymous |
X2P1 |
anonymous |
IFTI |
anonymous |
BSCT |
anonymous |
CATSCT |
BankingProductId
"string"
A data holder-specific unique identifier for a Banking product. This identifier must be unique to a product but does not otherwise need to adhere to ID permanence guidelines.
Properties
Name |
Type |
Required |
Default |
Description |
anonymous |
ASCIIString |
mandatory |
|
A data holder-specific unique identifier for a Banking product. This identifier must be unique to a product but does not otherwise need to adhere to ID permanence guidelines. |
BankingAccountId
"string"
A unique identifier for a Banking account, generated according to CDR ID Permanence requirements.
Properties
Name |
Type |
Required |
Default |
Description |
anonymous |
ASCIIString |
mandatory |
|
A unique identifier for a Banking account, generated according to CDR ID Permanence requirements. |
BankingTransactionId
"string"
A unique identifier for a Banking transaction, generated according to CDR ID Permanence requirements.
Properties
Name |
Type |
Required |
Default |
Description |
anonymous |
ASCIIString |
mandatory |
|
A unique identifier for a Banking transaction, generated according to CDR ID Permanence requirements. |
BankingScheduledPaymentId
"string"
A unique identifier for a Banking scheduled payment, generated according to CDR ID Permanence requirements.
Properties
Name |
Type |
Required |
Default |
Description |
anonymous |
ASCIIString |
mandatory |
|
A unique identifier for a Banking scheduled payment, generated according to CDR ID Permanence requirements. |
BankingPayeeId
"string"
A unique identifier for a Banking payee, generated according to CDR ID Permanence requirements.
Properties
Name |
Type |
Required |
Default |
Description |
anonymous |
ASCIIString |
mandatory |
|
A unique identifier for a Banking payee, generated according to CDR ID Permanence requirements. |
Product Categories
The productCategory enumeration provides the values for categorising products and accounts. These are explained in the following tables:
Deposit Products
Enum |
Description |
REGULATED_TRUST_ACCOUNTS |
This grouping of products includes accounts where funds are held in trust in regulated industries with complex rules embedded on how the products must operate. Industries that require this sort of product include real estate agents, solicitors and conveyancers. |
TERM_DEPOSITS |
This grouping of products includes all accounts where cash is deposited in the account for a set time period with restrictions on when funds can be withdrawn. Includes traditional Term Deposits and specialised deposits with either fixed terms or notice periods for withdrawal of funds. |
TRANS_AND_SAVINGS_ACCOUNTS |
This grouping of products includes all accounts where cash is deposited in the account and is accessible to the customer when they choose. These are given many names on the market including Cash Accounts, Saving Accounts, Transaction Accounts, Current Accounts, Cheque Accounts, Passbook Accounts, etc. |
TRAVEL_CARDS |
This grouping of products includes prepaid cards with multi-currency capabilities. |
Lending Products
Enum |
Description |
BUSINESS_LOANS |
This grouping of products incorporates all types of lending for business purpose that is not a trade finance facility, lease, overdraft, residential mortgage, credit card or margin lending. It includes traditional term loans, bank guarantees and commercial bills. This category would incorporate both secured and unsecured business purpose lending including all business purpose equipment finance that is not covered by a lease. |
CRED_AND_CHRG_CARDS |
This grouping of products includes all lending products that are issued for the purpose of allowing a flexible line of credit accessed through use of a card. These may be called various names including Credit Cards, Charge Cards and Store Cards. |
LEASES |
This grouping of products will include all types of leases including Financial Lease, Operating Lease, Sale and leaseback, etc. |
MARGIN_LOANS |
This grouping of products includes all types of margin loans which let you borrow money to invest in traded assets including shares & commodities or in managed funds. |
OVERDRAFTS |
This grouping of products includes all types of lending which allows for the loan amount to be withdrawn, repaid, and redrawn again in any manner and any number of times, until the arrangement expires. These loans may be secured or unsecured, and generally don’t have set / minimum repayment requirements. |
PERS_LOANS |
This grouping of products includes all lending for personal purposes that is not a residential mortgage, credit card or margin lending. These loans may be unsecured loans and term loans for purchase assets used as security such as motor vehicles. These may be called various names including Personal Loans and Car Loans. |
RESIDENTIAL_MORTGAGES |
This grouping of products includes all lending products that are available for the primary purpose of borrowing for the purpose of purchasing or renovating residential property, where a residential property will be used as security. This group will include both fixed, variable & secured overdraft types of product and may include both owner-occupied and investment purpose borrowing. |
TRADE_FINANCE |
This grouping of products includes specialised lending products specifically designed to facilitate domestic & international trade. This includes the issuance of letters of credit, factoring, export credit. |
Product & Account Components
Product Feature Types
Added featureType:
+ FUNDS_AVAILABLE_AFTER
Description of the usage of the featureType field as it applies to products.
Value |
Description |
Use of additionalValue Field |
ADDITIONAL_CARDS |
Additional cards can be requested. |
The maximum number of additional cards. If no maximum then should be set to null . |
BALANCE_TRANSFERS |
Balance transfers can be made to the account (e.g., for credit cards). |
N/A |
BILL_PAYMENT |
The product can be attached to an automatic budgeting and bill payment service. |
Optional name of the service. |
BONUS_REWARDS |
Bonus loyalty rewards points are available. |
Number of points available. |
CARD_ACCESS |
A card is available for the product to access funds. |
Text describing list of card types that this product can be linked to. |
CASHBACK_OFFER |
Subject to terms, conditions and eligibility criteria, the product has a cashback offer for opening an account or by spending at a certain retailer. |
The amount of the cashback offer (in AUD). |
COMPLEMENTARY_PRODUCT_DISCOUNTS |
Indicates that complementary, discounted offerings (such as gift cards, or discounted travel) is available. |
Description of the complementary offering. |
DIGITAL_BANKING |
Access is available to online banking features for the product. |
N/A |
DIGITAL_WALLET |
A Digital wallet can be attached to the product. |
The name or brand of the wallet. |
DONATE_INTEREST |
Indicates that interest generated from the product can be automatically donated to a charity or community group. |
N/A |
EXTRA_REPAYMENTS |
Indicates that the product has the option to accept extra repayments without incurring additional charges (for example Buy Now, Pay Later (BNPL) or line of credit products may offer the facility to repay instalments on an adhoc basis). |
N/A |
FRAUD_PROTECTION |
The product includes fraud protection features. |
N/A |
FREE_TXNS |
A set number of free transactions available per month. |
The number of free transactions. |
FREE_TXNS_ALLOWANCE |
A set amount of transaction fee value that is discounted per month. |
The amount of transaction fee discounted (in AUD). |
FUNDS_AVAILABLE_AFTER |
Deposited funds are available after a specified time period. This is distinct from a term deposit duration. |
The specified time period. Formatted according to ISO 8601 Durations. |
GUARANTOR |
Subject to terms and conditions, the customer may be able to nominate a guarantor during the origination process. |
N/A |
INSTALMENT_PLAN |
The product has the option to pay for eligible purchases over time with a set number of payments. |
N/A |
INSURANCE |
Insurance is provided as an additional feature of the product. |
Text description of the type of insurance (e.g., Travel Insurance). |
INTEREST_FREE |
Interest free period for purchases. |
Interest free period. Formatted according to ISO 8601 Durations. |
INTEREST_FREE_TRANSFERS |
Interest free period for balance transfers. |
Interest free period. Formatted according to ISO 8601 Durations. |
LOYALTY_PROGRAM |
A points based loyalty program is available. |
Name of the loyalty program. |
NOTIFICATIONS |
Advanced notifications are available for the product. |
Description of the notification capability. |
NPP_ENABLED |
An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment. |
N/A |
NPP_PAYID |
An account of this product type can be used as the target of an NPP PayID. |
N/A |
OFFSET |
An offset account can be connected to the product. |
N/A |
OTHER |
Another feature that can not be included in any of the other categories. The additionalInfo field is mandatory for this type. |
N/A |
OVERDRAFT |
An overdraft can be applied for. |
N/A |
REDRAW |
Redraw of repaid principal above minimum required is available. |
N/A |
RELATIONSHIP_MANAGEMENT |
Relationship management is available for eligible customers. |
N/A |
UNLIMITED_TXNS |
Unlimited free transactions available. |
N/A |
Product Constraint Types
Added constraintType:
+ OTHER
Description of the usage of the constraintType field as it applies to products.
Value |
Description |
Use of additionalValue Field |
MAX_BALANCE |
A maximum balance is required for the product. |
The maximum balance in AmountString format. |
MAX_LIMIT |
A maximum limit exists (such as a maximum loan balance denoting the borrowable amount or maximum allowable credit limit). |
The maximum limit in AmountString format. |
MAX_LVR |
A maximum LVR (Loan to Value Ratio) exists. |
The maximum LVR in RateString format. |
MIN_BALANCE |
A minimum balance is required for the product. |
The minimum balance in AmountString format. |
MIN_LIMIT |
A minimum limit exists (such as a minimum loan balance denoting the borrowable amount or minimum credit limit). |
The minimum limit in AmountString format. |
MIN_LVR |
A minimum LVR (Loan to Value Ratio) exists. |
The minimum LVR in RateString format. |
OPENING_BALANCE |
An opening balance is required for the product. |
The minimum opening balance in AmountString format. |
OTHER |
Another constraint that can not be included in any of the other categories. The additionalInfo field is mandatory for this type. |
N/A |
Product Eligibility Types
Updated eligibilityType 'Use of additionalValue Field' details:
PENSION_RECIPIENT
- N/A
+ Optional. If present, MUST contain a description of which pensions qualify.
STUDENT
- N/A
+ Optional. If present, MUST contain a description of who qualifies as a student, e.g., do apprentices qualify?
Description of the usage of the eligibilityType field as it applies to products.
Value |
Description |
Use of additionalValue Field |
BUSINESS |
Only business may apply for the account. |
N/A |
EMPLOYMENT_STATUS |
An eligibility constraint based on employment status applies. |
A description of the status required. |
MAX_AGE |
Only customers younger than a maximum age may apply. |
The maximum age in years. |
MIN_AGE |
Only customers older than a minimum age may apply. |
The minimum age in years. |
MIN_INCOME |
The customer must have an income greater than a specified threshold to obtain the product. |
Minimum income in AmountString format. |
MIN_TURNOVER |
Only a business with greater than a minimum turnover may apply. |
Minimum turnover in AmountString format. |
NATURAL_PERSON |
The customer must be a natural person rather than another legal entity. |
N/A |
OTHER |
Another eligibility criteria exists as described in the additionalInfo field. The additionalInfo field is mandatory for this type. |
N/A |
PENSION_RECIPIENT |
Only a recipient of a government pension may apply for the product. |
Optional. If present, MUST contain a description of which pensions qualify. |
RESIDENCY_STATUS |
An eligibility constraint based on residency status applies. |
A description of the status required. |
STAFF |
Only a staff member of the provider may apply. |
N/A |
STUDENT |
Only students may apply for the product. |
Optional. If present, MUST contain a description of who qualifies as a student, e.g., do apprentices qualify? |
Product Fee Types
Updated feeType values:
- VARIABLE
+ CASH_ADVANCE
+ DISHONOUR
+ ENQUIRY
+ LATE_PAYMENT
+ OTHER
+ REPLACEMENT
+ UPFRONT_PER_PLAN
+ VARIATION
Description of the usage of the feeType field as it applies to products.
Value |
Description |
Use of additionalValue Field |
CASH_ADVANCE |
A fee associated with a cash advance. |
N/A |
DEPOSIT |
A fee associated with making a deposit. |
N/A |
DISHONOUR |
A fee associated with a dishonour. |
N/A |
ENQUIRY |
A fee associated with an enquiry, including a balance enquiry. |
N/A |
EVENT |
A fee in relation to a particular event (e.g., ordering a new card, viewing a balance or stopping a cheque). |
N/A |
EXIT |
A fee for closing the product. |
N/A |
LATE_PAYMENT |
A fee associated with making a payment after a due date. |
Number of days late, after which the associated fee will be applied. |
OTHER |
Another fee that can not be included in any of the other categories. The additionalInfo field is mandatory for this type. |
N/A |
PAYMENT |
A fee associated with making a payment. |
N/A |
PERIODIC |
A periodic fee such as a monthly account servicing fee. |
The period of charge. Formatted according to ISO 8601 Durations. |
PURCHASE |
A fee associated with making a purchase at a merchant. |
N/A |
REPLACEMENT |
A fee associated with a receiving a replacement, including cards, cheques, statements, security tokens. |
N/A |
TRANSACTION |
A fee associated with any transaction (incorporates WITHDRAWAL , DEPOSIT , PAYMENT and PURCHASE ). |
N/A |
UPFRONT |
A fee paid at the beginning of the product lifecycle, such as an establishment fee, loyalty program fee or application fee. |
N/A |
UPFRONT_PER_PLAN |
A fee paid at the creation of a new payment plan, such as an instalment plan. |
N/A |
VARIATION |
A fee associated with a request for a variation, including to an existing process, instruction or terms. |
N/A |
WITHDRAWAL |
A fee associated with making a withdrawal. |
N/A |
Product Discount Types
Description of the usage of the discountType field as it applies to products.
Value |
Description |
Use of additionalValue Field |
BALANCE |
Discount on a fee for maintaining a set balance. As the discount applies to a fee the period is the same as for the fee. |
The minimum balance in AmountString format. |
DEPOSITS |
Discount for depositing a certain amount of money in a period. As the discount applies to a fee the period is the same as for the fee. |
The minimum deposit amount in AmountString format. |
ELIGIBILITY_ONLY |
Discount applies based on customer eligibility (eligibility array must be populated). |
N/A |
FEE_CAP |
The amount, balanceRate, transactionRate, accruedRate or feeRate fields of the discount represent the maximum amount charged in a time period. |
The time period for which the fee cap applies. Formatted according to ISO 8601 Durations. |
PAYMENTS |
Discount for outbound payments from the account under a certain amount of money in a period. As the discount applies to a fee the period is the same as for the fee. |
The payment threshold amount in AmountString format. |
Product Discount Eligibility Types
Updated discountEligibilityType 'Use of additionalValue Field' details:
PENSION_RECIPIENT
- Optional. Should contain a description of which pensions qualify.
+ Optional. If present, MUST contain a description of which pensions qualify.
STUDENT
- Optional. Should contain a description of who qualifies as a student, e.g., do apprentices qualify?
+ Optional. If present, MUST contain a description of who qualifies as a student, e.g., do apprentices qualify?
Description of the usage of the discountEligibilityType field as it applies to products.
Value |
Description |
Use of additionalValue Field |
BUSINESS |
A business or other non-person legal entity. |
N/A |
EMPLOYMENT_STATUS |
An eligibility constraint based on employment status applies. |
A description of the status required. |
INTRODUCTORY |
The discount is only available during an introductory period. |
The period of time for the introductory discount. Formatted according to ISO 8601 Durations. |
MAX_AGE |
Only customers younger than a maximum age receive the discount. |
The maximum age in years. |
MIN_AGE |
Only customers older than a minimum age receive the discount. |
The minimum age in years. |
MIN_INCOME |
The customer must have an income greater than a specified threshold to obtain the discount. |
Minimum income in AmountString format. |
MIN_TURNOVER |
Only a business with greater than a minimum turnover is eligible. |
Minimum turnover in AmountString format. |
NATURAL_PERSON |
The customer must be a natural person rather than another legal entity. |
N/A |
OTHER |
Another eligibility criteria exists as described in the additionalInfo field. The additionalInfo field is mandatory for this type. |
N/A |
PENSION_RECIPIENT |
Only a recipient of a government pension may receive the discount. |
Optional. If present, MUST contain a description of which pensions qualify. |
RESIDENCY_STATUS |
An eligibility constraint based on residency status applies. |
A description of the status required. |
STAFF |
Only a staff member of the provider may receive the discount. |
N/A |
STUDENT |
Only students may receive the discount. |
Optional. If present, MUST contain a description of who qualifies as a student, e.g., do apprentices qualify? |
Product Deposit Rate Types
Description of the usage of the depositRateType field as it applies to products.
A deposit product is expected to present a single Base rate corresponding to relevant selection criteria including the rate tiers and additionalValue, where applicable.
Value |
Description |
Use of additionalValue Field |
FIXED |
Fixed rate for a period of time. |
The period of time fixed. Formatted according to ISO 8601 Durations. |
FLOATING |
A floating rate is relatively fixed but still adjusts under specific circumstances. |
Details of the float parameters. |
MARKET_LINKED |
A rate that is linked to a specific market, commodity or asset class. |
Details of the market linkage. |
VARIABLE |
A variable base rate for the product. |
N/A |
- Deposit Adjustment Rate Types
A product may have zero, one, or multiple adjustment rates that are taken to apply to a Base rate.
Value |
Description |
Use of additionalValue Field |
BONUS |
A bonus rate available by meeting a specific criteria. A deposit 'bonus' rate value MUST be specified as zero or a positive number in the RateString format. The formula to calculate an Effective rate would be (Base+Bonus). |
A description of the criteria to obtain the bonus. |
BUNDLE_BONUS |
A bonus rate obtained by originating a bundle instead of a standalone product. A deposit 'bonus' rate value MUST be specified as zero or a positive number in the RateString format. The formula to calculate an Effective rate would be (Base+Bonus). |
The name of the bundle. |
INTRODUCTORY |
An introductory bonus that will expire after a set period. A deposit 'bonus' rate value MUST be specified as zero or a positive number in the RateString format. The formula to calculate an Effective rate would be (Base+Bonus). |
The period of time for the introductory rate. Formatted according to ISO 8601 Durations. |
Product Lending Rate Types
Description of the usage of the lendingRateType field as it applies to products.
Added lendingRateType:
+ BALANCE_TRANSFER
A lending product is expected to present a single Base rate corresponding to relevant selection criteria including the rate tiers and additionalValue, where applicable.
Card products may have two or more base rates, including CASH_ADVANCE
and PURCHASE
as they may apply to different transaction types within an account. The PURCHASE
lendingRateType is considered the rate commonly applicable to a card.
Value |
Description |
Use of additionalValue Field |
BALANCE_TRANSFER |
Specific rate applied to balance transfers to the account. This is expected to apply to products in the CRED_AND_CHRG_CARDS category only. |
N/A |
CASH_ADVANCE |
Specific rate applied to cash advances from the account. This is expected to apply to products in the CRED_AND_CHRG_CARDS category only. |
N/A |
FIXED |
Fixed rate for a period of time. |
The period of time fixed. Formatted according to ISO 8601 Durations. |
FLOATING |
A floating rate is relatively fixed but still adjusts under specific circumstances. |
Details of the float parameters. |
MARKET_LINKED |
A rate that is linked to a specific market, commodity or asset class. |
Details of the market linkage. |
PURCHASE |
Specific rate applied to purchases from the account. This is expected to apply to products in the CRED_AND_CHRG_CARDS category only. |
N/A |
VARIABLE |
A variable base rate for the product. |
N/A |
- Lending Adjustment Rate Types
A product may have zero, one, or multiple adjustment rates that are taken to apply to a Base rate.
Value |
Description |
Use of additionalValue Field |
BUNDLE_DISCOUNT_FIXED |
A discount rate off the fixed rate obtained by originating a bundle instead of a standalone product. A lending 'discount' rate value MUST be specified as zero or a positive number in the RateString format. The formula to calculate an Effective rate would be (Base-Discount). |
The name of the bundle. |
BUNDLE_DISCOUNT_VARIABLE |
A discount rate off the variable rate obtained by originating a bundle instead of a standalone product. A lending 'discount' rate value MUST be specified as zero or a positive number in the RateString format. The formula to calculate an Effective rate would be (Base-Discount). |
The name of the bundle. |
DISCOUNT |
A specific discount rate that may be applied. A discount rate reduces the interest payable. A lending 'discount' rate value MUST be specified as zero or a positive number in the RateString format. The formula to calculate an Effective rate would be (Base-Discount). |
Description of the discount rate that is applicable. |
INTRODUCTORY |
An introductory discount that will expire after a set period. A lending 'discount' rate value MUST be specified as zero or a positive number in the RateString format. The formula to calculate an Effective rate would be (Base-Discount). |
The period of time for the introductory rate. Formatted according to ISO 8601 Durations. |
PENALTY |
A specific penalty rate that may be applied. A penalty rate increases the interest payable. A lending 'penalty' rate value MUST be specified as zero or a positive number in the RateString format. The formula to calculate an Effective rate would be (Base+Penalty). |
Description of the penalty rate that is applicable. |
Banking Term Deposit Account Types
Description of the usage of the maturityInstructions field as it applies to accounts.
Value |
Description |
Use of additionalValue Field |
HOLD_ON_MATURITY |
Funds are held in a facility or similar mechanism managed by the data holder for a period of time until the customer provides instructions or the maximum period of the hold has elapsed. Funds may be renewed or withdrawn upon instructions by the customer. |
N/A |
PAID_OUT_AT_MATURITY |
Funds are to be paid out at maturity. |
N/A |
ROLLED_OVER |
Funds are to be rolled over at maturity. |
N/A |
Rate and Tier Applicability Types
+ Added Rate and Tier Applicability Types section
Description of the usage of the rateApplicabilityType field as it applies to products.
Value |
Description |
Use of additionalValue Field |
MIN_DEPOSITS |
When a minimum number of deposits is made in a month, or the month prior. |
Minimum number of deposits. |
MIN_DEPOSIT_AMOUNT |
When a minimum deposit amount is made in a month, or the month prior. |
Minimum deposit in AmountString format. |
DEPOSIT_BALANCE_INCREASED |
When the overall balance of the account, excluding interest, has increased over the month prior. |
Minimum amount in AmountString format. |
EXISTING_CUST |
Applicable to existing customers of the brand. |
N/A |
NEW_ACCOUNTS |
Applicable to new accounts. |
N/A |
NEW_CUSTOMER |
Applicable to new customers to the brand. |
N/A |
NEW_CUSTOMER_TO_GROUP |
Applicable to new customers to a group of brands. |
N/A |
ONLINE_ONLY |
Applicable to accounts originated online. |
N/A |
OTHER |
Applicable under other conditions. The additionalInfo field is mandatory for this type. |
N/A |
MIN_PURCHASES |
When a minimum number of purchases is made and settled in a month, or the month prior. |
Minimum number of purchases. |
MAX_WITHDRAWALS |
Applicable up to a maximum number of withdrawals in a month, or the month prior. |
Maximum number of withdrawals. |
MAX_WITHDRAWAL_AMOUNT |
Applicable up to a maximum amount withdrawn in a month, or the month prior. |
Maximum withdrawn in AmountString format. |
NPP Services
The service enumeration provides the values for specifying New Payments Platform (NPP) payments by their NPP service category. These are explained in the following tables:
NPP Service Overlay Codes
Value |
Description |
X2P1 |
Represents the Osko payment service that allow consumers and businesses to send money between eligible accounts in near real-time. |
BSCT |
Basic Single Credit Transfers means a credit payment message sent over the NPP without an overlay. It is an individual transaction that will be cleared then settled. |
CATSCT |
Category Purpose Payments denote categorised payments for super, tax and payroll payments. This service helps third parties to instruct financial institutions on the purpose of the payment and priority. These payments may represent additional reference information in the payment message, which can be presented to the payee. For example, "Adjustment pay for week ending 20/1/19" or "Commission payment for Quarter 1", up to date details of hours paid, superannuation contributions or details relevant to the employee payslip. |
IFTI |
International Funds Transfers Instructions (IFTIs) are payments sent between an Australian financial institution and an overseas financial institution. |