Santander - invalid Balance CreditDebitIndicator

Description

We've received an invalid CreditDebitIndicator on the v3.1 GET /accounts/account-id/balances. The OBReadBalance1/Data/Balance/Amount/Amount field is returned as "0.0", but the OBReadBalance1/Data/Balance/CreditDebitIndicator is returned as "Debit", when the specification states:

A zero balance is considered to be a credit balance.
https://openbanking.atlassian.net/wiki/spaces/DZ/pages/1077805375/Balances+v3.1.2

Example payload (note: other response fields omitted for brevity):

x-fapi-interaction-id=5744d1b0-2659-4d0b-ac55-7b3ed7aff6a9

Technical Impact

TPPs are unable to accurately parse responses, as data returned is inconsistent with the spec.

Workaround

None

Resolution Notes

None

Impact Assessment

For zero balances, CreditDebitIndicator should be set to "Credit"

Status

Assignee

Unassigned

Reporter

Service Desk

Reference

None

Service Desk Reference

OBSD-12028

ASPSP

Query Type

None

Created (Original)

Nov 08, 2019, 1:37 PM

TPP Impact

None

OB Environment

None

Business Impact Severity

Level 1

Share

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