This page has been created and maintained by the relevant ASPSP, and OBIE takes no liability for the completeness nor accuracy of this data.

Note to ASPSP: Please indicate which brands this applies to and/or duplicate this page per brand if relevant.

ASPSP	Santander
Brand	Santander UK plc
Date	02 Jun 2020
Developer portal (s)	Production https://developer.santander.co.uk Sandbox https://sandbox-developer.santander.co.uk/sanuk/external-sandbox/

On-boarding

Supports dynamic client registration (Y/N)	N
Instructions for manual on-boarding	1) Open access or regulated access? Three of our Open Banking APIs are available to everyone, without registration. Our open access APIs are: • Products and services list • ATM list • Branch list. You need to register in order to work with regulated APIs, and we explain how you do this in Step 3. Once you are registered and depending on your permissions you’ll be able to access: • Account and Transactions • Payment Initiation • Confirmation of Funds Find a list of our API products and descriptions on Our APIs. 2) Are you registered with the Open Banking directory? To access our regulated Open Banking APIs, you need to be registered with the Open Banking directory. Once registered, you’ll be able to use our regulated Open Banking APIs and those provided by any Open Banking compliant bank. However, there are two types of registration: Sandbox and Production. 3) Sandbox or Production? If you’re new to Open Banking or if you’re using a version of an API for the first time, you’ll need to start with Sandbox access. That gives you read/write access to Sandbox versions of our regulated APIs, using realistic sample data. Registering with the Open Banking directory for Sandbox access is free. To use our live APIs, you’ll need to be registered in the Open Banking directory for production access. That requires approval from the FCA or an equivalent regulator. 4) Register an app Once you’re in the Open Banking directory, you can create your first app. This happens on the Open Banking directory website, where you need to create a Software Statement Assertion (SSA). This is a certificate signed by the Open Banking directory that grants a particular application access to regulated Open Banking APIs. You then register the SSA to your apps list on the Santander UK Sandbox developer portal. When the SSA has successfully registered, your client ID and client secret will be displayed on the screen. Please take note of the client secret as this won’t be available on the next screens. 5) Subscribe to APIs Once your app is registered with Santander UK, you can subscribe to the APIs you want to work with. You will receive an email confirmation when the subscription is complete. 6) One final check before you can start developing! The final step is to check on the App page that your application is in “Production” and if that’s a yes, good news that’s you ready to make your first API call and start developing! However, if your application is in “Development”, you will need to select the “Upgrade to Production” button on your application and wait until the status changes to “Production”.
OIDC .well-known endpoint (Production)	https://openbanking.santander.co.uk/sanuk/external/open-banking/openid-connect-provider/v1/.well-known/openid-configuration
OIDC .well-known endpoint (Sandbox)	https://openbanking-sandbox.santander.co.uk/sanuk/external-sandbox/open-banking/openid-connect-provider/v1/.well-known/openid-configuration
Notes on testing (Sandbox)	Account Information Service Your first step will be to choose the API(s) you want to test. Below are some key points you will need to know before getting started: • Santander’s Sandbox well-known URL - https://openbanking-sandbox.santander.co.uk/sanuk/external-sandbox/open-banking/openid-connect-provider/v1/.well-known/openid-configuration • Santander’s Sandbox doesn’t include a full consent journey • For each of our Sandbox APIs there is a list of test scenarios that are available via an excel spreadsheet. These can be found as an attachment on the API overview page (e.g. for Account and Transactions V3.1 you can find them here). A. Get Token using Client Credential Grant This is the TLS-MA handshake between yourself and Santander. This step generates the access token known as the "client credential grant" which is valid for ONLY 10 minutes. Before you start you’ll need to have valid network and signing certificates issued by Open Banking. OB Directory will provide and host the necessary certificates containing the corresponding public keys so that the signature may be verified. B. Retrieve Account Request For the next step, you will need the Account Request ID(s) for the scenario you would like to test. Once you have input the Account ID to the URL, you can make the call. As a response, you will receive a summary of all the permissions given relating to the specific account request ID. C. Create Request Object You must then generate the request token (jwt or JSON web token) that will be used as part of the next ‘Authorise Request’ call. Please refer to OBIE security specification for details on how to generate the Request Object. This request token contains the Resource ID, encrypted based on the security policy defined by Santander and the Open Banking Implementation Entity (OBIE). D. Invoke Authorise Request Once the request token is generated, you can invoke the authorisation request. This request will redirect your test application (via a HTTP 302) to Santander’s Login UI. The password Santander uses is 12345, however, any alphanumeric combination will work. On clicking submit, you will be redirected back to your test application (based on the redirect URL registered with OB directory). The redirect URL will contain the authorisation code which you need in the next step to generate the access token. E. Get Token Using Access Code Grant Copy the code value in the redirection URL from the previous step and use that to generate the Access Token using the authorization code grant. This will give you a green light to commence with the testing! After the 10 minutes, you will need to call for a refresh token. This gives you longer access by generating a new access token. F. Get Endpoint Response To be able to get the endpoint responses, go back to the excel spreadsheet and check what Account IDs are associated with the Account Request ID for which a request token has been generated. Then copy the Account ID(s) for the test scenario you want to simulate and use those to invoke the POST/GET endpoints. The excel file can be used as reference as it illustrates the anticipated response associated with the particular Account ID used. Payment Initiation Service Your first step will be to choose the API(s) you want to test. Below are some key points you will need to know before getting started: • Santander’s Sandbox well-known URL - https://openbanking-sandbox.santander.co.uk/sanuk/external-sandbox/open-banking/openid-connect-provider/v1/.well-known/openid-configuration • Santander’s Sandbox doesn’t include a full consent journey • For each of our Sandbox APIs there is a list of test scenarios that are available via an excel spreadsheet. These can be found as an attachment on the API overview page (e.g. for Payment Initiation V3.1 you can find them here). A. Get Token using Client Credential Grant This is the TLS-MA handshake between yourself and Santander. This step generates the access token known as the "client credential grant" which is valid for ONLY 10 minutes. Before you start you’ll need to have valid network and signing certificates issued by Open Banking. OB Directory will provide and host the necessary certificates containing the corresponding public keys so that the signature may be verified. B. Create Request Object You must then generate the request token (jwt or JSON web token) that will be used as part of the next ‘Authorise Request’ call. Please refer to OBIE security specification for details on how to generate the Request Object. This request token contains the Resource ID, encrypted based on the security policy defined by Santander and the Open Banking Implementation Entity (OBIE). C. Invoke Authorise Request Once the request token is generated, you can invoke the authorisation request. This request will redirect your test application (via a HTTP 302) to Santander’s Login UI. The password Santander uses is 12345, however, any alphanumeric combination will work. On clicking submit, you will be redirected back to your test application (based on the redirect URL registered with OB directory). The redirect URL will contain the authorisation code which you need in the next step to generate the access token. D. Get Token Using Access Code Grant Copy the code value in the redirection URL from the previous step and use that to generate the Access Token using the authorization code grant. This will give you a green light to commence with the testing! After the 10 minutes, you will need to call for a refresh token. This gives you longer access by generating a new access token. E. POST/GET Endpoint Response To be able to POST/GET the endpoint responses, go back to the excel spreadsheet, copy the Resource ID corresponding to the test scenario you want to simulate and use that to invoke the POST/GET endpoints. The excel file can be used as reference as it illustrates the anticipated response associated with the particular Resource ID used.
Other on-boarding notes
Documentation URL

Account Information API

Note to ASPSP: Please add a column per brand if relevant

Swagger version	3.1.2
Base URI	https://openbanking-ma.santander.co.uk/sanuk/external/open-banking/v3.1/aisp
General variances to specification	No variances to specification
Non-functional limitations

API Endpoints

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Endpoint 1	POST /account-access-consents	-	Y	Mandatory API Endpoint available
Endpoint 2	GET /account-access-consents/{ConsentId}	-	Y	Optional API Endpoint available
Endpoint 3	DELETE /account-access-consents/{ConsentId}	-	Y	Mandatory API Endpoint available
Endpoint 4	GET /accounts	-	Y	Mandatory API Endpoint available
Endpoint 5	GET /accounts/{AccountId}	-	Y	Mandatory API Endpoint available
Endpoint 6	GET /accounts/{AccountId}/balances	-	Y	Mandatory API Endpoint available
Endpoint 7	GET /accounts/{AccountId}/beneficiaries	-	Y	Mandatory API Endpoint available
Endpoint 8	GET /accounts/{AccountId}/direct-debits	-	Y	Mandatory API Endpoint available
Endpoint 9	GET /accounts/{AccountId}/product	-	Y	Mandatory API Endpoint available
Endpoint 10	GET /accounts/{AccountId}/standing-orders	-	Y	Mandatory API Endpoint available
Endpoint 11	GET /accounts/{AccountId}/transactions	-	Y	Mandatory API Endpoint available
Endpoint 12	GET /balances	-	N	Optional API Endpoint not available
Endpoint 13	GET /beneficiaries	-	Y	Optional API Endpoint available
Endpoint 14	GET /direct-debits	-	Y	Optional API Endpoint available
Endpoint 15	GET /products	-	N	Optional API Endpoint available
Endpoint 16	GET /standing-orders	-	Y	Optional API Endpoint available
Endpoint 17	GET /transactions	-	N	Optional API Endpoint not available
Endpoint 18	GET /accounts/{AccountId}/offers	-	Y	Conditional
Endpoint 19	GET /offers	-	N	Optional
Endpoint 20	GET /accounts/{AccountId}/party	-	Y	Conditional
Endpoint 21	GET /party	-	Y	Conditional
Endpoint 22	GET /accounts/{AccountId}/scheduled-payments	-	N	Conditional
Endpoint 23	GET/scheduled-payments	-	N	Optional
Endpoint 24	GET /accounts/{AccountId}/statements	-	Y	Conditional
Endpoint 25	GET /accounts/{AccountId}/statements/{StatementId}	-	N	Conditional
Endpoint 26	GET /accounts/{AccountId}/statements/{StatementId}/file	-	N	Optional
Endpoint 27	GET /accounts/{AccountId}/statements/{StatementId}/transactions	-	N	Conditional
Endpoint 28	GET /statements	-	N	Optional

Field Information

Account Fields

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Acc-1	Account - Mandatory	OBReadAccount4	Y	OBReadAccount4
Acc-2	Account - Mandatory	Data	Y	OBReadAccount4/Data
Acc-3	Account - Optional	Account	Y	OBReadAccount4/Data/Account Unambiguous identification of the account to which credit and debit entries are made.
Acc-4	Account - Mandatory	AccountId	Y	OBReadAccount4/Data/Account/AccountId A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
Acc-5	Account - Optional	Status	N	OBReadAccount4/Data/Account/Status Specifies the status of account resource in code form.
Acc-6	Account - Optional	StatusUpdateDateTime	N	OBReadAccount4/Data/Account/StatusUpdateDateTime Date and time at which the resource status was updated.
Acc-7	Account - Mandatory	Currency	Y	OBReadAccount4/Data/Account/Currency Identification of the currency in which the account is held.
Acc-8	Account - Mandatory	AccountType	Y	OBReadAccount4/Data/Account/AccountType Specifies the type of account (personal or business).
Acc-9	Account - Mandatory	AccountSubType	Y	OBReadAccount4/Data/Account/AccountSubType Specifies the sub type of account (product family group).
Acc-10	Account - Optional	Description	N	OBReadAccount4/Data/Account/Description Specifies the description of the account type.
Acc-11	Account - Optional	Nickname	Y	OBReadAccount4/Data/Account/Nickname The nickname of the account, assigned by the account owner in order to provide an additional means of identification of the account.
Acc-12	Account - Optional	Account	Y	OBReadAccount4/Data/Account/Account Provides the details to identify an account.
Acc-13	Account - Mandatory	SchemeName	Y	OBReadAccount4/Data/Account/Account/SchemeName Name of the identification scheme, in a coded form as published in an external list.
Acc-14	Account - Mandatory	Identification	Y	OBReadAccount4/Data/Account/Account/Identification Identification assigned by an institution to identify an account. This identification is known by the account owner.
Acc-15	Account - Optional	Name	Y	OBReadAccount4/Data/Account/Account/Name The account name is the name or names of the account owner(s) represented at an account level, as displayed by the ASPSP's online channels.
Acc-16	Account - Optional	SecondaryIdentification	N	OBReadAccount4/Data/Account/Account/SecondaryIdentification This is secondary identification of the account, as assigned by the account servicing institution.
Acc-17	Account - Optional	Servicer	Y	OBReadAccount4/Data/Account/Servicer Party that manages the account on behalf of the account owner, that is manages the registration and booking of entries on the account, calculates balances on the account and provides information about the account.
Acc-18	Account - Mandatory	SchemeName	Y	OBReadAccount4/Data/Account/Servicer/SchemeName Name of the identification scheme, in a coded form as published in an external list.
Acc-19	Account - Mandatory	Identification	Y	OBReadAccount4/Data/Account/Servicer/Identification Unique and unambiguous identification of the servicing institution.

Balances Fields

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Bal-1	Balances - Mandatory	OBReadBalance1	Y	OBReadBalance1
Bal-2	Balances - Mandatory	Data	Y	OBReadBalance1/Data
Bal-3	Balances - Mandatory	Balance	Y	OBReadBalance1/Data/Balance Set of elements used to define the balance details.
Bal-4	Balances - Mandatory	AccountId	Y	OBReadBalance1/Data/Balance/AccountId A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
Bal-5	Balances - Mandatory	CreditDebitIndicator	Y	OBReadBalance1/Data/Balance/CreditDebitIndicator Indicates whether the balance is a credit or a debit balance.
Bal-6	Balances - Mandatory	Type	Y	OBReadBalance1/Data/Balance/Type Balance type, in a coded form.
Bal-7	Balances - Mandatory	DateTime	Y	OBReadBalance1/Data/Balance/DateTime Indicates the date (and time) of the balance.
Bal-8	Balances - Mandatory	Amount	Y	OBReadBalance1/Data/Balance/Amount Amount of money of the cash balance.
Bal-9	Balances - Mandatory	Amount	Y	OBReadBalance1/Data/Balance/Amount/Amount A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.
Bal-10	Balances - Mandatory	Currency	Y	OBReadBalance1/Data/Balance/Amount/Currency A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".
Bal-11	Balances - Optional	CreditLine	N	OBReadBalance1/Data/Balance/CreditLine Set of elements used to provide details on the credit line.
Bal-12	Balances - Mandatory	Included	N	OBReadBalance1/Data/Balance/CreditLine/Included Indicates whether or not the credit line is included in the balance of the account.
Bal-13	Balances - Optional	Type	N	OBReadBalance1/Data/Balance/CreditLine/Type Limit type, in a coded form.
Bal-14	Balances - Optional	Amount	N	OBReadBalance1/Data/Balance/CreditLine/AmountAmount of money of the credit line.
Bal-15	Balances - Mandatory	Amount	N	OBReadBalance1/Data/Balance/CreditLine/Amount/Amount A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.
Bal-16	Balances - Mandatory	Currency	N	OBReadBalance1/Data/Balance/CreditLine/Amount/Currency A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".

Beneficiaries Fields

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Ben-1	Beneficiaries - Mandatory	OBReadBeneficiary3	Y	OBReadBeneficiary3
Ben-2	Beneficiaries - Mandatory	Data	Y	OBReadBeneficiary3/Data
Ben-3	Beneficiaries - Optional	Beneficiary	Y	OBReadBeneficiary3/Data/Beneficiary
Ben-4	Beneficiaries - Optional	AccountId	Y	OBReadBeneficiary3/Data/Beneficiary/AccountId A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
Ben-5	Beneficiaries - Optional	BeneficiaryId	N	OBReadBeneficiary3/Data/Beneficiary/BeneficiaryId A unique and immutable identifier used to identify the beneficiary resource. This identifier has no meaning to the account owner.
Ben-6	Beneficiaries - Optional	Reference	Y	OBReadBeneficiary3/Data/Beneficiary/Reference Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.
Ben-7	Beneficiaries - Optional	CreditorAgent	Y	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent Party that manages the account on behalf of the account owner, that is manages the registration and booking of entries on the account, calculates balances on the account and provides information about the account.
Ben-8	Beneficiaries - Optional	SchemeName	N	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/SchemeName Name of the identification scheme, in a coded form as published in an external list.
Ben-9	Beneficiaries - Optional	Identification	Y	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/Identification Unique and unambiguous identification of the servicing institution.
Ben-10	Beneficiaries - Optional	Name	Y	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/Name Name by which an agent is known and which is usually used to identify that agent.
Ben-11	Beneficiaries - Optional	PostalAddress	N	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress Information that locates and identifies a specific address, as defined by postal services.
Ben-12	Beneficiaries - Optional	AddressType	N	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/AddressType Identifies the nature of the postal address.
Ben-13	Beneficiaries - Optional	Department	N	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/Department Identification of a division of a large organisation or building.
Ben-14	Beneficiaries - Optional	SubDepartment	N	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/SubDepartment Identification of a sub-division of a large organisation or building.
Ben-15	Beneficiaries - Optional	StreetName	N	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/StreetName Name of a street or thoroughfare.
Ben-16	Beneficiaries - Optional	BuildingNumber	N	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/BuildingNumber Number that identifies the position of a building on a street.
Ben-17	Beneficiaries - Optional	PostCode	N	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/PostCode Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail.
Ben-18	Beneficiaries - Optional	TownName	N	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/TownName Name of a built-up area, with defined boundaries, and a local government.
Ben-19	Beneficiaries - Optional	CountrySubDivision	N	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/CountrySubDivision Identifies a subdivision of a country such as state, region, county.
Ben-20	Beneficiaries - Optional	Country	Y	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/Country Nation with its own government.
Ben-21	Beneficiaries - Optional	AddressLine	N	OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/AddressLine Information that locates and identifies a specific address, as defined by postal services, presented in free format text.
Ben-22	Beneficiaries - Optional	CreditorAccount	Y	OBReadBeneficiary3/Data/Beneficiary/CreditorAccount Provides the details to identify the beneficiary account.
Ben-23	Beneficiaries - Mandatory	SchemeName	Y	OBReadBeneficiary3/Data/Beneficiary/CreditorAccount/SchemeName Name of the identification scheme, in a coded form as published in an external list.
Ben-24	Beneficiaries - Mandatory	Identification	Y	OBReadBeneficiary3/Data/Beneficiary/CreditorAccount/Identification Identification assigned by an institution to identify an account. This identification is known by the account owner.
Ben-25	Beneficiaries - Optional	Name	Y	OBReadBeneficiary3/Data/Beneficiary/CreditorAccount/Name The account name is the name or names of the account owner(s) represented at an account level, as displayed by the ASPSP's online channels.
Ben-26	Beneficiaries - Optional	SecondaryIdentification	N	OBReadBeneficiary3/Data/Beneficiary/CreditorAccount/SecondaryIdentification This is secondary identification of the account, as assigned by the account servicing institution.

Direct Debits Fields

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
DD-1	Direct Debit - Mandatory	OBReadDirectDebit1	Y	OBReadDirectDebit1
DD-2	Direct Debit - Mandatory	Data	Y	OBReadDirectDebit1/Data
DD-3	Direct Debit - Optional	DirectDebit	Y	OBReadDirectDebit1/Data/DirectDebit Account to or from which a cash entry is made.
DD-4	Direct Debit - Mandatory	AccountId	Y	OBReadDirectDebit1/Data/DirectDebit/AccountId A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
DD-5	Direct Debit - Optional	DirectDebitId	N	OBReadDirectDebit1/Data/DirectDebit/DirectDebitId A unique and immutable identifier used to identify the direct debit resource. This identifier has no meaning to the account owner.
DD-6	Direct Debit - Mandatory	MandateIdentification	Y	OBReadDirectDebit1/Data/DirectDebit/MandateIdentification Direct Debit reference. For AUDDIS service users provide Core Reference. For non AUDDIS service users provide Core reference if possible or last used reference.
DD-7	Direct Debit - Optional	DirectDebitStatusCode	Y	OBReadDirectDebit1/Data/DirectDebit/DirectDebitStatusCode Specifies the status of the direct debit in code form.
DD-8	Direct Debit - Mandatory	Name	Y	OBReadDirectDebit1/Data/DirectDebit/Name Name of Service User.
DD-9	Direct Debit - Optional	PreviousPaymentDateTime	Y	OBReadDirectDebit1/Data/DirectDebit/PreviousPaymentDateTime
DD-10	Direct Debit - Optional	PreviousPaymentAmount	Y	OBReadDirectDebit1/Data/DirectDebit/PreviousPaymentAmount
DD-11	Direct Debit - Mandatory	Amount	Y	OBReadDirectDebit1/Data/DirectDebit/PreviousPaymentAmount/Amount
DD-12	Direct Debit - Mandatory	Currency	Y	OBReadDirectDebit1/Data/DirectDebit/PreviousPaymentAmount/Currency

Products Fields

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Prod 1	Products - Mandatory	OBReadProduct2	Y	OBReadProduct2
Prod 2	Products - Mandatory	Data	Y	OBReadProduct2/Data
Prod 3	Products - Optional	Product	Y	OBReadProduct2/Data/Product
Prod 4	Products - Mandatory	AccountId	Y	OBReadProduct2/Data/Product/AccountId A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
Prod 5	Products - Mandatory	ProductId	Y - only if product in Open Data API	OBReadProduct2/Data/Product/ProductIdr Identifier within the parent organisation for the product. Must be unique in the organisation.
Prod 6	Products - Mandatory	ProductType	Y	OBReadProduct2/Data/Product/ProductType Descriptive code for the product category.
Prod 7	Products - Optional	ProductName	Y	OBReadProduct2/Data/Product/ProductName The name of the product used for marketing purposes from a customer perspective. I.e. what the customer would recognise.
Prod 8	Products - Optional	SecondaryProductId	N	OBReadProduct2/Data/Product/SecondaryProductId Identifier within the parent organisation for the product. Must be unique in the organisation.
Prod 9	Products - Optional	MarketingStateId	Y	OBReadProduct2/Data/Product/MarketingStateId Unique and unambiguous identification of a BCA Product Marketing State.
Prod 10	Product - Mandatory	OtherProductType	Y	OBReadProduct2/Data/Product/OtherProductType This field provides extension to the ProductType enumeration. If ProductType - "Other" is chosen, this field must be populated with name, and description for ASPSP specific product type
Prod 11	Product - Mandatory	Name	Y	OBReadProduct2/Data/Product/OtherProductType/Name
Prod 12	Product - Mandatory	Description	Y	OBReadProduct2/Data/Product/OtherProductType/Description
Prod 13	Product - Mandatory	BCA	Y	OBReadProduct2/Data/Product/BCA
Prod 14	Product - Mandatory	PCA	Y	OBReadProduct2/Data/Product/PCA
Prod 15	Product - Optional	ProductDetails	N	OBReadProduct2/Data/Product/BCA/ProductDetails
Prod 16	Product – Optional	Segment	N	OBReadProduct2/Data/Product/BCA/ProductDetails/Segment Market segmentation is a marketing term referring to the aggregating of prospective buyers into groups, or segments, that have common needs and respond similarly to a marketing action. Market segmentation enables companies to target different categories of consumers who perceive the full value of certain products and services differently from one another.
Prod 17	Product – Optional	FeeFreeLength	N	OBReadProduct2/Data/Product/BCA/ProductDetails/FeeFreeLength The length/duration of the fee free perdiod
Prod 18	Product – Optional	FeeFreeLengthPeriod	N	OBReadProduct2/Data/Product/BCA/ProductDetails/FeeFreeLengthPeriod The unit of period (days, weeks, months etc.) of the promotional length
Prod 19	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/ProductDetails/Notes
Prod 20	Product – Optional	CreditInterest	N	OBReadProduct2/Data/Product/BCA/CreditInterest
Prod 21	Product – Optional	TierBandSet	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet
Prod 22	Product – Mandatory	TierBandMethod	Y	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBandMethod The methodology of how credit interest is paid/applied. It can be:- 1. Banded Interest rates are banded. i.e. Increasing rate on whole balance as balance increases. 2. Tiered Interest rates are tiered. i.e. increasing rate for each tier as balance increases, but interest paid on tier fixed for that tier and not on whole balance. 3. Whole The same interest rate is applied irrespective of the BCA balance
Prod 23	Product – Optional	CalculationMethod	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/CalculationMethod Methods of calculating interest
Prod 24	Product – Mandatory	Destination	Y	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/Destination Describes whether accrued interest is payable only to the BCA or to another bank account
Prod 25	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/Notes
Prod 26	Product – Optional	TierBand	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand
Prod 27	Product – Optional	Identification	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/Identification Unique and unambiguous identification of a Tier Band for a BCA.
Prod 28	Product – Mandatory	TierValueMinimum	Y	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/TierValueMinimum Minimum deposit value for which the credit interest tier applies.
Prod 29	Product – Optional	TierValueMaximum	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/TierValueMaximum Maximum deposit value for which the credit interest tier applies.
Prod 30	Product – Optional	CalculationFrequency	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/CalculationFrequency How often is credit interest calculated for the account.
Prod 31	Product – Mandatory	ApplicationFrequency	Y	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/ApplicationFrequency How often is interest applied to the BCA for this tier/band i.e. how often the financial institution pays accumulated interest to the customer's BCA.
Prod 32	Product – Optional	DepositInterestAppliedCoverage	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/DepositInterestAppliedCoverage Amount on which Interest applied.
Prod 33	Product – Mandatory	FixedVariableInterestRateType	Y	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/FixedVariableInterestRateType Type of interest rate, Fixed or Variable
Prod 34	Product – Mandatory	AER	Y	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/AER The annual equivalent rate (AER) is interest that is calculated under the assumption that any interest paid is combined with the original balance and the next interest payment will be based on the slightly higher account balance. Overall, this means that interest can be compounded several times in a year depending on the number of times that interest payments are made.
Prod 35	Product – Optional	BankInterestRateType	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/BankInterestRateType Interest rate types, other than AER, which financial institutions may use to describe the annual interest rate payble to the BCA.
Prod 36	Product – Optional	BankInterestRate	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/BankInterestRate Bank Interest for the BCA product
Prod 37	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/Notes Optional additional notes to supplement the Tier Band details
Prod 38	Product – Optional	OtherBankInterestType	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/OtherBankInterestType
Prod 39	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/OtherBankInterestType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 40	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/OtherBankInterestType/Description Description to describe the purpose of the code
Prod 41	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/OtherBankInterestType/Name Long name associated with the code
Prod 42	Product – Optional	OtherApplicationFrequency	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/OtherApplicationFrequency
Prod 43	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/OtherApplicationFrequency/Code The four letter Mnemonic used within an XML file to identify a code
Prod 44	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/OtherApplicationFrequency/Description Description to describe the purpose of the code
Prod 45	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/OtherApplicationFrequency/Name Long name associated with the code
Prod 46	Product – Optional	OtherCalculationFrequency	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/OtherCalculationFrequency
Prod 47	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/OtherCalculationFrequency/Code The four letter Mnemonic used within an XML file to identify a code
Prod 48	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/OtherCalculationFrequency/Description Description to describe the purpose of the code
Prod 49	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/CreditInterest/TierBandSet/TierBand/OtherCalculationFrequency/Name Long name associated with the code
Prod 50	Product – Optional	Overdraft	N	OBReadProduct2/Data/Product/BCA/Overdraft
Prod 51	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/Overdraft/Notes Associated Notes about the overdraft rates
Prod 52	Product – Optional	OverdraftTierBandSet	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet
Prod 53	Product – Mandatory	TierBandMethod	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/TierBandMethod "The methodology of how overdraft is charged. It can be: 'Whole' Where the same charge/rate is applied to the entirety of the overdraft balance (where charges are applicable). 'Tiered' Where different charges/rates are applied dependent on overdraft maximum and minimum balance amount tiers defined by the lending financial organisation 'Banded' Where different charges/rates are applied dependent on overdraft maximum and minimum balance amount bands defined by a government organisation."
Prod 54	Product – Optional	OverdraftType	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftType An overdraft can either be 'committed' which means that the facility cannot be withdrawn without reasonable notification before it's agreed end date, or 'on demand' which means that the financial institution can demand repayment at any point in time.
Prod 55	Product – Optional	Identification	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/Identification Unique and unambiguous identification of a Tier Band for a overdraft product.
Prod 56	Product – Optional	AuthorisedIndicator	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/AuthorisedIndicator Indicates if the Overdraft is authorised (Y) or unauthorised (N)
Prod 57	Product – Optional	BufferAmount	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/BufferAmount When a customer exceeds their credit limit, a financial institution will not charge the customer unauthorised overdraft charges if they do not exceed by more than the buffer amount. Note: Authorised overdraft charges may still apply.
Prod 58	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/Notes Optional additional notes to supplement the overdraft Tier Band Set details
Prod 59	Product – Optional	OverdraftTierBand	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand
Prod 60	Product – Optional	Identification	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/Identification Unique and unambiguous identification of a Tier Band for a overdraft.
Prod 61	Product – Optional	TierValueMax	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/TierValueMax Maximum value of Overdraft Tier/Band
Prod 62	Product – Mandatory	TierValueMin	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/TierValueMin Minimum value of Overdraft Tier/Band
Prod 63	Product – Optional	EAR	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/EAR "EAR means Effective Annual Rate and/or Equivalent Annual Rate (frequently used interchangeably), being the actual annual interest rate of an Overdraft."
Prod 64	Product – Optional	AgreementLengthMax	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/AgreementLengthMax Specifies the maximum length of a band for a fixed overdraft agreement
Prod 65	Product – Optional	AgreementLengthMin	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/AgreementLengthMin Specifies the minimum length of a band for a fixed overdraft agreement
Prod 66	Product – Optional	AgreementPeriod	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/AgreementPeriod Specifies the period of a fixed length overdraft agreement
Prod 67	Product – Optional	OverdraftInterestChargingCoverage	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftInterestChargingCoverage Refers to which interest rate is applied when interests are tiered. For example, if an overdraft balance is £2k and the interest tiers are:- 0-£500 0.1%, 500-1000 0.2%, 1000-10000 0.5%, then the applicable interest rate could either be 0.5% of the entire balance (since the account balance sits in the top interest tier) or (0.1%500)+(0.2%500)+(0.5%*1000). In the 1st situation, we say the interest is applied to the ‘Whole’ of the account balance, and in the 2nd that it is ‘Tiered’.
Prod 68	Product – Optional	BankGuaranteedIndicator	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/BankGuaranteedIndicator Indicates whether the advertised overdraft rate is guaranteed to be offered to a borrower by the bank e.g. if it’s part of a government scheme, or whether the rate may vary dependent on the applicant’s circumstances.
Prod 69	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/Notes Optional additional notes to supplement the Tier/band details
Prod 70	Product – Optional	OverdraftFeesCharges	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges
Prod 71	Product – Optional	OverdraftFeeChargeCap	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeCap
Prod 72	Product - Mandatory	FeeType	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeCap/FeeType Fee/charge type which is being capped
Prod 73	Product – Mandatory	MinMaxType	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeCap/MinMaxType Min Max type
Prod 74	Product – Optional	FeeCapOccurrence	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeCap/FeeCapOccurrence Indicates whether the advertised overdraft rate is guaranteed to be offered to a borrower by the bank e.g. if it’s part of a government scheme, or whether the rate may vary dependent on the applicant’s circumstances.
Prod 75	Product – Optional	FeeCapAmount	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeCap/FeeCapAmount Cap amount charged for a fee/charge
Prod 76	Product – Optional	CappingPeriod	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeCap/CappingPeriod Period e.g. day, week, month etc. for which the fee/charge is capped
Prod 77	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeCap/Notes Notes related to Overdraft fee charge cap
Prod 78	Product – Optional	OtherFeeType	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeCap/OtherFeeType
Prod 79	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeCap/OtherFeeType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 80	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeCap/OtherFeeType/Name Long name associated with the code
Prod 81	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeCap/OtherFeeType/Description Description to describe the purpose of the code
Prod 82	Product – Optional	OverdraftFeeChargeDetail	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail
Prod 83	Product – Mandatory	FeeType	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/FeeType Overdraft fee type
Prod 84	Product – Optional	NegotiableIndicator	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/NegotiableIndicator Indicates whether fee and charges are negotiable
Prod 85	Product – Optional	OverdraftControlIndicator	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftControlIndicator Indicates if the fee/charge is already covered by an 'Overdraft Control' fee or not.
Prod 86	Product – Optional	IncrementalBorrowingAmount	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/IncrementalBorrowingAmount Every additional tranche of an overdraft balance to which an overdraft fee is applied
Prod 87	Product – Optional	FeeAmount	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/FeeAmount Amount charged for an overdraft fee/charge (where it is charged in terms of an amount rather than a rate)
Prod 88	Product – Optional	FeeRate	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/FeeRate Rate charged for overdraft fee/charge (where it is charged in terms of a rate rather than an amount)
Prod 89	Product – Optional	FeeRateType	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/FeeRateType Rate type for overdraft fee/charge (where it is charged in terms of a rate rather than an amount)
Prod 90	Product – Mandatory	ApplicationFrequency	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/ApplicationFrequency Frequency at which the overdraft charge is applied to the account
Prod 91	Product – Optional	CalculationFrequency	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/CalculationFrequency How often is the overdraft fee/charge calculated for the account.
Prod 92	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/Notes Free text for capturing any other info related to Overdraft Fees Charge Details
Prod 93	Product – Optional	OverdraftFeeChargeCap	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap
Prod 94	Product – Mandatory	FeeType	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/FeeType Fee/charge type which is being capped
Prod 95	Product – Mandatory	MinMaxType	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/MinMaxType Min Max type
Prod 96	Product – Optional	FeeCapOccurrence	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/FeeCapOccurrence Indicates whether the advertised overdraft rate is guaranteed to be offered to a borrower by the bank e.g. if it’s part of a government scheme, or whether the rate may vary dependent on the applicant’s circumstances.
Prod 97	Product – Optional	FeeCapAmount	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/FeeCapAmount Cap amount charged for a fee/charge
Prod 98	Product – Optional	CappingPeriod	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/CappingPeriod Period e.g. day, week, month etc. for which the fee/charge is capped
Prod 99	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/Notes Notes related to Overdraft fee charge cap
Prod 100	Product – Optional	OtherFeeType	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/OtherFeeType
Prod 101	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/OtherFeeType/Code
Prod 102	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/OtherFeeType/Name Long name associated with the code
Prod 103	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/OtherFeeType/Description Description to describe the purpose of the code
Prod 104	Product – Optional	OtherFeeType	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeType
Prod 105	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 106	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeType/Name Long name associated with the code
Prod 107	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeType/Description Description to describe the purpose of the code
Prod 108	Product – Optional	OtherFeeRateType	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeRateType
Prod 109	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeRateType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 110	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeRateType/Name Long name associated with the code
Prod 111	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeRateType/Description Description to describe the purpose of the code
Prod 112	Product – Optional	OtherApplicationFrequency	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherApplicationFrequency
Prod 113	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherApplicationFrequency/Code The four letter Mnemonic used within an XML file to identify a code
Prod 114	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherApplicationFrequency/Name Long name associated with the code
Prod 115	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherApplicationFrequency/Description Description to describe the purpose of the code
Prod 116	Product – Optional	OtherCalculationFrequency	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherCalculationFrequency
Prod 117	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherCalculationFrequency/Code The four letter Mnemonic used within an XML file to identify a code
Prod 118	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherCalculationFrequency/Name Long name associated with the code
Prod 119	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftTierBand/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherCalculationFrequency/Description Description to describe the purpose of the code
Prod 120	Product – Optional	OverdraftFeesCharges	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges
Prod 121	Product – Optional	OverdraftFeeChargeCap	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeCap
Prod 122	Product – Mandatory	FeeType	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeCap/FeeType Fee/charge type which is being capped
Prod 123	Product – Mandatory	MinMaxType	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeCap/MinMaxType Min Max type
Prod 124	Product – Optional	FeeCapOccurrence	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeCap/FeeCapOccurrence Indicates whether the advertised overdraft rate is guaranteed to be offered to a borrower by the bank e.g. if it’s part of a government scheme, or whether the rate may vary dependent on the applicant’s circumstances.
Prod 125	Product – Optional	FeeCapAmount	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeCap/FeeCapAmount Cap amount charged for a fee/charge
Prod 126	Product – Optional	CappingPeriod	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeCap/CappingPeriod Period e.g. day, week, month etc. for which the fee/charge is capped
Prod 127	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeCap/Notes Notes related to Overdraft fee charge cap
Prod 128	Product – Optional	OtherFeeType	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeCap/OtherFeeType
Prod 129	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeCap/OtherFeeType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 130	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeCap/OtherFeeType/Name Long name associated with the code
Prod 131	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeCap/OtherFeeType/Description Description to describe the purpose of the code
Prod 132	Product – Optional	OverdraftFeeChargeDetail	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail
Prod 133	Product – Mandatory	FeeType	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/FeeType Overdraft fee type
Prod 134	Product – Optional	NegotiableIndicator	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/NegotiableIndicator Indicates whether fee and charges are negotiable
Prod 135	Product – Optional	OverdraftControlIndicator	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftControlIndicator Indicates if the fee/charge is already covered by an 'Overdraft Control' fee or not.
Prod 136	Product – Optional	IncrementalBorrowingAmount	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/IncrementalBorrowingAmount Every additional tranche of an overdraft balance to which an overdraft fee is applied
Prod 137	Product – Optional	FeeAmount	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/FeeAmount Amount charged for an overdraft fee/charge (where it is charged in terms of an amount rather than a rate)
Prod 138	Product – Optional	FeeRate	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/FeeRate Rate charged for overdraft fee/charge (where it is charged in terms of a rate rather than an amount)
Prod 139	Product – Optional	FeeRateType	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/FeeRateType Rate type for overdraft fee/charge (where it is charged in terms of a rate rather than an amount)
Prod 140	Product – Mandatory	ApplicationFrequency	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/ApplicationFrequency Frequency at which the overdraft charge is applied to the account
Prod 141	Product – Optional	CalculationFrequency	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/CalculationFrequency How often is the overdraft fee/charge calculated for the account.
Prod 142	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/Notes Free text for capturing any other info related to Overdraft Fees Charge Details
Prod 143	Product – Optional	OverdraftFeeChargeCap	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap
Prod 144	Product – Mandatory	FeeType	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/FeeType Fee/charge type which is being capped
Prod 145	Product – Mandatory	MinMaxType	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/MinMaxType Min Max type
Prod 146	Product – Optional	FeeCapOccurrence	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/FeeCapOccurrence Indicates whether the advertised overdraft rate is guaranteed to be offered to a borrower by the bank e.g. if it’s part of a government scheme, or whether the rate may vary dependent on the applicant’s circumstances.
Prod 147	Product – Optional	FeeCapAmount	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/FeeCapAmount Cap amount charged for a fee/charge
Prod 148	Product – Optional	CappingPeriod	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/CappingPeriod Period e.g. day, week, month etc. for which the fee/charge is capped
Prod 149	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/Notes Notes related to Overdraft fee charge cap
Prod 150	Product – Optional	OtherFeeType	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/OtherFeeType
Prod 151	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/OtherFeeType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 152	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/OtherFeeType/Name Long name associated with the code
Prod 153	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OverdraftFeeChargeCap/OtherFeeType/Description Description to describe the purpose of the code
Prod 154	Product – Optional	OtherFeeType	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeType
Prod 155	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 156	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeType/Name Long name associated with the code
Prod 157	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeType/Description Description to describe the purpose of the code
Prod 158	Product – Optional	OtherFeeRateType	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeRateType
Prod 159	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeRateType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 160	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeRateType/Name Long name associated with the code
Prod 161	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherFeeRateType/Description Description to describe the purpose of the code
Prod 162	Product – Optional	OtherApplicationFrequency	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherApplicationFrequency
Prod 163	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherApplicationFrequency/Code The four letter Mnemonic used within an XML file to identify a code
Prod 164	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherApplicationFrequency/Name Long name associated with the code
Prod 165	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherApplicationFrequency/Description
Prod 166	Product – Optional	OtherCalculationFrequency	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherCalculationFrequency
Prod 167	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherCalculationFrequency/Code The four letter Mnemonic used within an XML file to identify a code
Prod 168	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherCalculationFrequency/Name Long name associated with the code
Prod 169	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/Overdraft/OverdraftTierBandSet/OverdraftFeesCharges/OverdraftFeeChargeDetail/OtherCalculationFrequency/Description Description to describe the purpose of the code
Prod 170	Product – Optional	OtherFeesCharges	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges
Prod 171	Product – Optional	TariffType	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/TariffType TariffType which defines the fee and charges.
Prod 172	Product – Optional	TariffName	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/TariffName Name of the tariff
Prod 173	Product – Optional	OtherTariffType	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/OtherTariffType
Prod 174	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/OtherTariffType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 175	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/OtherTariffType/Name Long name associated with the code
Prod 176	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/OtherTariffType/Description Description to describe the purpose of the code
Prod 177	Product – Optional	FeeChargeDetail	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail
Prod 178	Product – Mandatory	FeeCategory	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeCategory Categorisation of fees and charges into standard categories.
Prod 179	Product – Mandatory	FeeType	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeType Fee/Charge Type
Prod 180	Product – Optional	NegotiableIndicator	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/NegotiableIndicator Fee/charge which is usually negotiable rather than a fixed amount
Prod 181	Product – Optional	FeeAmount	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeAmount Fee Amount charged for a fee/charge (where it is charged in terms of an amount rather than a rate)
Prod 182	Product – Optional	FeeRate	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeRate Rate charged for Fee/Charge (where it is charged in terms of a rate rather than an amount)
Prod 183	Product – Optional	FeeRateType	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeRateType Rate type for Fee/Charge (where it is charged in terms of a rate rather than an amount)
Prod 184	Product – Mandatory	ApplicationFrequency	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/ApplicationFrequency How frequently the fee/charge is applied to the account
Prod 185	Product – Optional	CalculationFrequency	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/CalculationFrequency How frequently the fee/charge is calculated
Prod 186	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/Notes Optional additional notes to supplement the fee/charge details.
Prod 187	Product – Optional	FeeChargeCap	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeChargeCap
Prod 188	Product – Mandatory	FeeType	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeChargeCap/FeeType Fee/charge type which is being capped
Prod 189	Product – Mandatory	MinMaxType	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeChargeCap/MinMaxType Min Max type
Prod 190	Product – Optional	FeeCapOccurrence	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeChargeCap/FeeCapOccurrence fee/charges are captured dependent on the number of occurrences rather than capped at a particular amount
Prod 191	Product – Optional	FeeCapAmount	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeChargeCap/FeeCapAmount Cap amount charged for a fee/charge (where it is charged in terms of an amount rather than a rate)
Prod 192	Product – Optional	CappingPeriod	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeChargeCap/CappingPeriod Period e.g. day, week, month etc. for which the fee/charge is capped
Prod 193	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeChargeCap/Notes Free text for adding extra details for fee charge cap
Prod 194	Product – Optional	OtherFeeType	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeChargeCap/OtherFeeType
Prod 195	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeChargeCap/OtherFeeType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 196	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeChargeCap/OtherFeeType/Name Long name associated with the code
Prod 197	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeChargeCap/OtherFeeType/Description Description to describe the purpose of the code
Prod 198	Product – Optional	OtherFeeCategoryType	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeCategoryType
Prod 199	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeCategoryType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 200	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeCategoryType/Name Long name associated with the code
Prod 201	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeCategoryType/Description Description to describe the purpose of the code
Prod 202	Product – Optional	OtherFeeType	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeType
Prod 203	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 204	Product – Mandatory	FeeCategory	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeType/FeeCategory Categorisation of fees and charges into standard categories.
Prod 205	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeType/Name Long name associated with the code
Prod 206	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeType/Description Description to describe the purpose of the code
Prod 207	Product – Optional	OtherFeeRateType	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeRateType
Prod 208	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeRateType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 209	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeRateType/Name Long name associated with the code
Prod 210	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherFeeRateType/Description Description to describe the purpose of the code
Prod 211	Product – Optional	OtherApplicationFrequency	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherApplicationFrequency
Prod 212	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherApplicationFrequency/Code The four letter Mnemonic used within an XML file to identify a code
Prod 213	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherApplicationFrequency/Name Long name associated with the code
Prod 214	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherApplicationFrequency/Description Description to describe the purpose of the code
Prod 215	Product – Optional	OtherCalculationFrequency	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherCalculationFrequency
Prod 216	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherCalculationFrequency/Code The four letter Mnemonic used within an XML file to identify a code
Prod 217	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherCalculationFrequency/Name Long name associated with the code
Prod 218	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/OtherCalculationFrequency/Description Description to describe the purpose of the code
Prod 219	Product – Optional	FeeApplicableRange	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeApplicableRange
Prod 220	Product – Optional	MinimumAmount	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeApplicableRange/MinimumAmount Minimum Amount on which fee/charge is applicable (where it is expressed as an amount)
Prod 221	Product – Optional	MaximumAmount	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeApplicableRange/MaximumAmount Maximum Amount on which fee is applicable (where it is expressed as an amount)
Prod 222	Product – Optional	MinimumRate	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeApplicableRange/MinimumRate Minimum rate on which fee/charge is applicable(where it is expressed as an rate)
Prod 223	Product – Optional	MaximumRate	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeDetail/FeeApplicableRange/MaximumRate Maximum rate on which fee/charge is applicable(where it is expressed as an rate)
Prod 224	Product – Optional	FeeChargeCap	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeCap
Prod 225	Product – Mandatory	FeeType	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeCap/FeeType Fee/charge type which is being capped
Prod 226	Product – Mandatory	MinMaxType	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeCap/MinMaxType Min Max type
Prod 227	Product – Optional	FeeCapOccurrence	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeCap/FeeCapOccurrence fee/charges are captured dependent on the number of occurrences rather than capped at a particular amount
Prod 228	Product – Optional	FeeCapAmount	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeCap/FeeCapAmount Cap amount charged for a fee/charge (where it is charged in terms of an amount rather than a rate)
Prod 229	Product – Optional	CappingPeriod	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeCap/CappingPeriod Period e.g. day, week, month etc. for which the fee/charge is capped
Prod 230	Product – Optional	Notes	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeCap/Notes Free text for adding extra details for fee charge cap
Prod 231	Product – Optional	OtherFeeType	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeCap/OtherFeeType
Prod 232	Product – Optional	Code	N	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeCap/OtherFeeType/Code The four letter Mnemonic used within an XML file to identify a code
Prod 233	Product – Mandatory	Name	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeCap/OtherFeeType/Name Long name associated with the code
Prod 234	Product – Mandatory	Description	Y	OBReadProduct2/Data/Product/BCA/OtherFeesCharges/FeeChargeCap/OtherFeeType/Description Description to describe the purpose of the code

N.B. Same logic applies to PCA from Prod 11 to Prod 234

Standing Orders Fields

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
SO-1	Standing Order - Mandatory	OBReadStandingOrder5	Y	OBReadStandingOrder5
SO-2	Standing Order - Mandatory	Data	Y	OBReadStandingOrder5/Data
SO-3	Standing Order - Optional	StandingOrder	Y	OBReadStandingOrder5/Data/StandingOrder
SO-4	Standing Order - Mandatory	AccountId	Y	OBReadStandingOrder5/Data/StandingOrder/AccountId A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
SO-5	Standing Order - Optional	StandingOrderId	N	OBReadStandingOrder5/Data/StandingOrder/StandingOrderId A unique and immutable identifier used to identify the standing order resource. This identifier has no meaning to the account owner.
SO-6	Standing Order - Mandatory	Frequency	Y	OBReadStandingOrder5/Data/StandingOrder/Frequency
SO-7	Standing Order - Optional	Reference	Y	OBReadStandingOrder5/Data/StandingOrder/Reference Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.
SO-8	Standing Order - Optional	FirstPaymentDateTime	Y	OBReadStandingOrder5/Data/StandingOrder/FirstPaymentDateTime The date on which the first payment for a Standing Order schedule will be made.
SO-9	Standing Order - Optional	NextPaymentDateTime	Y	OBReadStandingOrder5/Data/StandingOrder/NextPaymentDateTime The date on which the next payment for a Standing Order schedule will be made.
SO-10	Standing Order - Optional	FinalPaymentDateTime	Y	OBReadStandingOrder5/Data/StandingOrder/FinalPaymentDateTime The date on which the final payment for a Standing Order schedule will be made.
SO-11	Standing Order - Optional	StandingOrderStatusCode	Y	OBReadStandingOrder5/Data/StandingOrder/StandingOrderStatusCode Specifies the status of the standing order in code form.
SO-12	Standing Order - Optional	FirstPaymentAmount	Y	OBReadStandingOrder5/Data/StandingOrder/FirstPaymentAmount The amount of the first Standing Order
SO-13	Standing Order - Mandatory	Amount	Y	OBReadStandingOrder5/Data/StandingOrder/FirstPaymentAmount/Amount A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.
SO-14	Standing Order - Mandatory	Currency	Y	OBReadStandingOrder5/Data/StandingOrder/FirstPaymentAmount/Currency A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".
SO-15	Standing Order - Optional	NextPaymentAmount	Y	OBReadStandingOrder5/Data/StandingOrder/NextPaymentAmount The amount of the next Standing Order.
SO-16	Standing Order - Mandatory	Amount	Y	OBReadStandingOrder5/Data/StandingOrder/NextPaymentAmount/Amount A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.
SO-17	Standing Order - Mandatory	Currency	Y	OBReadStandingOrder5/Data/StandingOrder/NextPaymentAmount/Currency A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".
SO-18	Standing Order - Optional	FinalPaymentAmount	Y	OBReadStandingOrder5/Data/StandingOrder/FinalPaymentAmount The amount of the final Standing Order
SO-19	Standing Order - Mandatory	Amount	Y	OBReadStandingOrder5/Data/StandingOrder/FinalPaymentAmount/Amount A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.
SO-20	Standing Order - Mandatory	Currency	Y	OBReadStandingOrder5/Data/StandingOrder/FinalPaymentAmount/Currency A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".
SO-21	Standing Order - Optional	CreditorAgent	N	OBReadStandingOrder5/Data/StandingOrder/CreditorAgent Party that manages the account on behalf of the account owner, that is manages the registration and booking of entries on the account, calculates balances on the account and provides information about the account.
SO-22	Standing Order - Mandatory	SchemeName	N	OBReadStandingOrder5/Data/StandingOrder/CreditorAgent/SchemeName Name of the identification scheme, in a coded form as published in an external list.
SO-23	Standing Order - Mandatory	Identification	N	OBReadStandingOrder5/Data/StandingOrder/CreditorAgent/Identification Unique and unambiguous identification of the servicing institution.
SO-24	Standing Order - Optional	CreditorAccount	Y	OBReadStandingOrder5/Data/StandingOrder/CreditorAccount Provides the details to identify the beneficiary account.
SO-25	Standing Order - Mandatory	SchemeName	Y	OBReadStandingOrder5/Data/StandingOrder/CreditorAccount/SchemeName Name of the identification scheme, in a coded form as published in an external list.
SO-26	Standing Order - Mandatory	Identification	Y	OBReadStandingOrder5/Data/StandingOrder/CreditorAccount/Identification Beneficiary account identification.
SO-27	Standing Order - Optional	Name	Y	OBReadStandingOrder5/Data/StandingOrder/CreditorAccount/Name The account name is the name or names of the account owner(s) represented at an account level, as displayed by the ASPSP's online channels.
SO-28	Standing Order - Optional	SecondaryIdentification	N	OBReadStandingOrder5/Data/StandingOrder/CreditorAccount/SecondaryIdentification This is secondary identification of the account, as assigned by the account servicing institution.
SO-29	Standing Order - Optional	SupplementaryData	N	OBReadStandingOrder5/Data/StandingOrder/SupplementaryData Additional information that can not be captured in the structured fields and/or any other specific block.

Statements Fields

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Stat 1	Statements -Conditional	OBReadStatement1	Y	OBReadStatement1
Stat 2	Statements -Conditional	Data	Y	OBReadStatement1/Data
Stat 3	Statements - Optional	Statement	Y	OBReadStatement1/Data/Statement
Stat 4	Statements - Mandatory	AccountId	Y	OBReadStatement1/Data/Statement/AccountId A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
Stat 5	Statements - optional	StatementId	N	OBReadStatement1/Data/Statement/StatementId Unique identifier for the statement resource within an servicing institution. This identifier is both unique and immutable.
Stat 6	Statements - Optional	StatementReference	N	OBReadStatement1/Data/Statement/StatementReference Unique reference for the statement. This reference may be optionally populated if available.
Stat 7	Statements - Mandatory	Type	Y	OBReadStatement1/Data/Statement/Type Statement type, in a coded form..
Stat 8	Statements - mandatory	StartDateTime	Y	OBReadStatement1/Data/Statement/StartDateTime Date and time at which the statement period starts..
Stat 9	Statements - mandatory	EndDateTime	Y	OBReadStatement1/Data/Statement/EndDateTime Date and time at which the statement period ends.
Stat 10	Statements - mandatory	CreationDateTime	Y	OBReadStatement1/Data/Statement/CreationDateTime Date and time at which the resource was created.
Stat 11	Statements - optional	StatementDescription	N	OBReadStatement1/Data/Statement/StatementDescription
Stat 12	Statements - optional	StatementBenefit	Y	OBReadStatement1/Data/Statement/StatementBenefit
Stat 13	Statements - mandatory	Type	Y	OBReadStatement1/Data/Statement/StatementBenefit/Type
Stat 14	Statements - mandatoryl	Amount	Y	OBReadStatement1/Data/Statement/StatementBenefit/Amount
Stat 15	Statements - mandatory	Amount	Y	OBReadStatement1/Data/Statement/StatementBenefit/Amount/Amount
Stat 16	Statements - mandatory	Currency	Y	OBReadStatement1/Data/Statement/StatementBenefit/Amount/Currency
Stat 17	Statements - optional	StatementFee	N	OBReadStatement1/Data/Statement/StatementFee
Stat 18	Statements - optional	StatementInterest	N	OBReadStatement1/Data/Statement/StatementInterest
Stat 19	Statements - optional	StatementAmount	Y	OBReadStatement1/Data/Statement/StatementAmount
Stat 20	Statements - mandatory	CreditDebitIndicator	Y	OBReadStatement1/Data/Statement/StatementAmount/CreditDebitIndicator
Stat 21	Statements - mandatory	Type	Y	OBReadStatement1/Data/Statement/StatementAmount/Type
Stat 22	Statements - mandatory	Amount	Y	OBReadStatement1/Data/Statement/StatementAmount/Amount
Stat 23	Statements - mandatory	Amount	Y	OBReadStatement1/Data/Statement/StatementAmount/Amount/Amount
Stat 24	Statements - mandatory	Currency	Y	OBReadStatement1/Data/Statement/StatementAmount/Amount/Currency
Stat 25	Statements - optional	StatementDateTime	N	OBReadStatement1/Data/Statement/StatementDateTime
Stat 26	Statements - optional	StatementRate	N	OBReadStatement1/Data/Statement/StatementRate
Stat 27	Statements - optional	StatementValue	N	OBReadStatement1/Data/Statement/StatementValue

Transactions Fields

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Tran-1	Transactions - Mandatory	OBReadTransaction5	Y	OBReadTransaction5
Tran-2	Transactions - Mandatory	Data	Y	OBReadTransaction5/Data
Tran-3	Transactions - Optional	Transaction	Y	OBReadTransaction5/Data/Transaction Provides further details on an entry in the report.
Tran-4	Transactions - Mandatory	AccountId	Y	OBReadTransaction5/Data/Transaction/AccountId A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
Tran-5	Transactions - Optional	TransactionId	Y	OBReadTransaction5/Data/Transaction/TransactionId Unique identifier for the transaction within an servicing institution. This identifier is both unique and immutable.
Tran-6	Transactions - Optional	TransactionReference	Y	OBReadTransaction5/Data/Transaction/TransactionReference Unique reference for the transaction. This reference is optionally populated, and may as an example be the FPID in the Faster Payments context.
Tran-7	Transactions - Optional	StatementReference	N	OBReadTransaction5/Data/Transaction/StatementReference Unique reference for the statement. This reference may be optionally populated if available.
Tran-8	Transactions - Mandatory	CreditDebitIndicator	Y	OBReadTransaction5/Data/Transaction/CreditDebitIndicator Indicates whether the transaction is a credit or a debit entry.
Tran-9	Transactions - Mandatory	Status	Y	OBReadTransaction5/Data/Transaction/Status Status of a transaction entry on the books of the account servicer.
Tran-10	Transactions - Mandatory	BookingDateTime	Y	OBReadTransaction5/Data/Transaction/BookingDateTimeDate and time when a transaction entry is posted to an account on the account servicer's books.
Tran-11	Transactions - Optional	TransactionInformation	Y	OBReadTransaction5/Data/Transaction/TransactionInformation Further details of the transaction.
Tran-12	Transactions - Optional	AddressLine	N	OBReadTransaction5/Data/Transaction/AddressLine Information that locates and identifies a specific address for a transaction entry, that is presented in free format text.
Tran-13	Transactions - Mandatory	Amount	Y	OBReadTransaction5/Data/Transaction/Amount Amount of money in the cash transaction entry.
Tran-14	Transactions - Mandatory	Amount	Y	OBReadTransaction5/Data/Transaction/Amount/Amount A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.
Tran-15	Transactions - Mandatory	Currency	Y	OBReadTransaction5/Data/Transaction/Amount/Currency A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".
Tran-16	Transactions - Optional	ChargeAmount	Y	OBReadTransaction5/Data/Transaction/ChargeAmount Transaction charges to be paid by the charge bearer.
Tran-17	Transactions - Mandatory	Amount	Y	OBReadTransaction5/Data/Transaction/ChargeAmount/Amount A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.
Tran-18	Transactions - Mandatory	Currency	Y	OBReadTransaction5/Data/Transaction/ChargeAmount/Currency A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".
Tran-19	Transactions - Optional	CurrencyExchange	Y	OBReadTransaction5/Data/Transaction/CurrencyExchange Set of elements used to provide details on the currency exchange.
Tran-20	Transactions - Mandatory	SourceCurrency	Y	OBReadTransaction5/Data/Transaction/CurrencyExchange/SourceCurrency Currency from which an amount is to be converted in a currency conversion.
Tran-21	Transactions - Optional	TargetCurrency	Y	OBReadTransaction5/Data/Transaction/CurrencyExchange/TargetCurrency Currency into which an amount is to be converted in a currency conversion.
Tran-22	Transactions - Optional	UnitCurrency	Y	OBReadTransaction5/Data/Transaction/CurrencyExchange/UnitCurrency Currency in which the rate of exchange is expressed in a currency exchange. In the example 1GBP = xxxCUR, the unit currency is GBP.
Tran-23	Transactions - Mandatory	ExchangeRate	Y	OBReadTransaction5/Data/Transaction/CurrencyExchange/ExchangeRate Factor used to convert an amount from one currency into another. This reflects the price at which one currency was bought with another currency.
Tran-24	Transactions - Optional	ContractIdentification	Y	OBReadTransaction5/Data/Transaction/CurrencyExchange/ContractIdentification Unique identification to unambiguously identify the foreign exchange contract.
Tran-25	Transactions - Optional	QuotationDate	N	OBReadTransaction5/Data/Transaction/CurrencyExchange/QuotationDate Date and time at which an exchange rate is quoted.
Tran-26	Transactions - Optional	InstructedAmount	Y	OBReadTransaction5/Data/Transaction/CurrencyExchange/InstructedAmount Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party.
Tran-27	Transactions - Mandatory	Amount	Y	OBReadTransaction5/Data/Transaction/CurrencyExchange/InstructedAmount/Amount A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.
Tran-28	Transactions - Mandatory	Currency	Y	OBReadTransaction5/Data/Transaction/CurrencyExchange/InstructedAmount/Currency A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".
Tran-29	Transactions - Optional	BankTransactionCode	N	OBReadTransaction5/Data/Transaction/BankTransactionCode Set of elements used to fully identify the type of underlying transaction resulting in an entry.
Tran-30	Transactions - Mandatory	Code	N	OBReadTransaction5/Data/Transaction/BankTransactionCode/Code Specifies the family within a domain.
Tran-31	Transactions - Mandatory	SubCode	N	OBReadTransaction5/Data/Transaction/BankTransactionCode/SubCode Specifies the sub-product family within a specific family.
Tran-32	Transactions - Optional	ProprietaryBankTransactionCode	Y	OBReadTransaction5/Data/Transaction/ProprietaryBankTransactionCode Set of elements to fully identify a proprietary bank transaction code.
Tran-33	Transactions - Mandatory	Code	Y	OBReadTransaction5/Data/Transaction/ProprietaryBankTransactionCode/Code Proprietary bank transaction code to identify the underlying transaction. At Santander Bank those codes are the following: Credit and 0 balance transactions ACCOUNT CANCELLATION CREDIT Account Adjustment ACCOUNT ADJUSTMENT CREDIT Account CREDIT Adjustment Account CREDIT Adjustments ATM CASH DEPOSIT ATM CASH DEPOSIT CREDIT ADJUSTMENTS ATM cheque deposit BALANCE CREDIT ADJUSTMENT BANK TRANSFER CREDIT BILL PAYMENT BillPay reversal BOND Partial Early Withdrawal BONDS CLOSING EARLY WITHDRAWAL Bonds Credit Adjustments Bonds Transfer IN BULK PAYMENTS REVERSAL Cash Deposit CASHBACK Cheque Credit Adjustment CHEQUE DEPOSIT CHEQUE POSTED REVERSAL Claim Guarantee payment Claim Guarantee payment currency Coexistence Credit CREDIT ADJUSTMENT OF INCIDENTS CREDIT ADJUSTMENTS Credit Interest Credit Interest Adjustments Credit Payment from LoanIQ CREDIT SETTLEMENT CREDIT SETTLEMENT ADJUSTMENTS CURRENT ACCOUNT CANCELLATION CREDIT Debit Card ATM Credit Adjustments DEBIT CARD CASH WITHDRAWAL REVERSAL DEBIT CARD CREDIT ADJUSTMENTS DEBIT CARD PURCHASE REFUND DEBIT CARD PURCHASE REVERSAL DEBIT SETTLEMENT REVERSAL DEBT COLLECTION REVERSAL Default DIRECT DEBIT REVERSAL DISTRIBUTION OF INTEREST/DIVIDENDS EARLY LOAN REDEMPTION REVERSAL EXTERNAL BILL PAYMENT EXTERNAL DIRECT DEBIT REVERSAL FASTER PAYMENT DEBIT REVERSAL FASTER PAYMENT RECEIPT FEES AND CHARGES REVERSAL Foreign Check Deposit FUND CONTRIBUTION FUND REIMBURSEMENT FUND REPURCHASE FUND SYSTEMATIC REIMBURSEMENT INCIDENTS ACCOUNT CREDIT ADJUSTMENT INCIDENTS CREDIT ADJUSTMENT Inter Instance Payment Adjustmen Credit Interbank Funds in INTEREST CREDIT INTEREST CREDIT ADJUSTMENTS INTEREST ON EARLY BOND CANCELLATION Internal Account Transfer Credit INTERNAL CREDIT ADJUSTMENT INTERNAL DIRECT DEBIT REVERSAL Internal Payment Reversal LETTER OF CREDIT - PAYMENT REVERSAL LOAN PAYMENT REVERSAL LOAN REPAYMENT INSURANCE LOAN WITHDRAWAL LOAN/MORTGAGE OVERPAYMENT LOAN/MORTGAGE PAYMENT REVERSAL MONTHLY ACCOUNT FEE Other (Coexistence) OTT Credit OTT DEBIT REVERSAL PAYMENT FOR INVOICING Payment in Currency Reversal PAYMENT OF DIVIDENDS Payment Reversal Reversal Collection of Payments REVERSAL OF CAPITAL REPAYMENT Settlement Credit Adjustments STANDING ORDER CREDIT Standing Order Debit Reversal Standing Order Reversal Sweeping Credit TRANSFER FUND MANAGER IN WITHDRAWAL WRITE-OFF Debit transactions ACCOUNT ADJUSTMENT DEBIT Account Adjustment Of incidents Debit ACCOUNT CANCELLATION DEBIT Account DEBIT Adjustment ATM CASH DEPOSIT DEBIT ADJUSTMENTS ATM CASH DEPOSIT REVERSAL ATM cheque deposit reversal BACS Credit Reversals BALANCE DEBIT ADJUSTMENT BANK TRANSFER DEBIT Banking Account Settlement BILL PAYMENT RETURN BILL PAYMENT REVERSAL BillPay BOND RENEWAL - CAPITAL INCREASE BONDS OPENING BULK PAYMENTS CAPITAL REPAYMENT Card Payment Cash Sales Debit CASH WITHDRAWAL CHARGES ON EARLY BOND CANCELLATION Check Deposit Reversal Cheque Debit Adjustment CHEQUE DEPOSIT REVERSAL CHEQUE POSTED Claim Guarantee payment currency Reversal Claim Guarantee payment reversal Coexistence Debit COLLECTION OF FUND DIVIDENDS CREDIT INTEREST ADJUSTMENT CREDIT SETTLEMENT REVERSAL CURRENT ACCOUNT CANCELLATION DEBIT DEBIT ADJUSTMENT OF INCIDENTS DEBIT ADJUSTMENTS Debit Card ATM Debit Adjustments Debit Card Cash Withdrawal DEBIT CARD DEBIT ADJUSTMENTS DEBIT CARD PURCHASE DEBIT CARD PURCHASE REFUND REVERSAL DEBIT CLEARING ADJUSTMENT DEBIT FUND CONTRIBUTION Debit Interest DEBIT SETTLEMENT DEBT COLLECTION Default DIRECT DEBIT EARLY LOAN REDEMPTION EXTERNAL DIRECT DEBIT FASTER PAYMENT CREDIT REVERSAL FASTER PAYMENT DEBIT FEES AND CHARGES FUND REPURCHASE FUND SUBSCRIPTION INCIDENTS ACCOUNT DEBIT ADJUSTMENT Inter Instance Payment Adjustmen Debit INTERAPPLICATION PAYMENT INTEREST DEBIT ADJUSTMENTS Internal Account Transfer Debit INTERNAL DEBIT ADJUSTMENT INTERNAL DIRECT DEBIT Internal Payment LETTER OF CREDIT - PAYMENT LOAN PAYMENT LOAN REPAYMENT INSURANCE REVERSAL LOAN WITHDRAWAL REVERSAL LOAN/MORTGAGE PAYMENT Mobile phone top up at ATM MONTHLY ACCOUNT FEE Other (Coexistence) OTT CREDIT REVERSAL OTT Debit OVERDRAFT USAGE CHARGE PAID / UNPAID ITEM CHARGE Payment in Currency Payment reversal from Third Party REVERSAL OF ACCOUNT ADJUSTMENT SETTLEMENT OF UNPAID AMOUNTS Standing Order STANDING ORDER DEBIT Sweeping Debit TRANSFER FUND MANAGER OUT UNPAID GUARANTEES RECOVERY.
Tran-34	Transactions - Optional	Issuer	N	OBReadTransaction5/Data/Transaction/ProprietaryBankTransactionCode/Issuer Identification of the issuer of the proprietary bank transaction code.
Tran-35	Transactions - Optional	Balance	Y	OBReadTransaction5/Data/Transaction/Balance Set of elements used to define the balance as a numerical representation of the net increases and decreases in an account after a transaction entry is applied to the account.
Tran-36	Transactions - Mandatory	CreditDebitIndicator	Y	OBReadTransaction5/Data/Transaction/Balance/CreditDebitIndicator Indicates whether the balance is a credit or a debit balance.
Tran-37	Transactions - Mandatory	Type	N	OBReadTransaction5/Data/Transaction/Balance/Type Balance type, in a coded form.
Tran-38	Transactions - Mandatory	Amount	N	OBReadTransaction5/Data/Transaction/Balance/Amount Amount of money of the cash balance after a transaction entry is applied to the account..
Tran-39	Transactions - Mandatory	Amount	N	OBReadTransaction5/Data/Transaction/Balance/Amount/Amount A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.
Tran-40	Transactions - Mandatory	Currency	N	OBReadTransaction5/Data/Transaction/Balance/Amount/Currency A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 "Codes for the representation of currencies and funds".
Tran-41	Transactions - Optional	MerchantDetails	Y	OBReadTransaction5/Data/Transaction/MerchantDetails Details of the merchant involved in the transaction.
Tran-42	Transactions - Optional	MerchantName	Y	OBReadTransaction5/Data/Transaction/MerchantDetails/MerchantName Name by which the merchant is known.
Tran-43	Transactions - Optional	MerchantCategoryCode	Y	OBReadTransaction5/Data/Transaction/MerchantDetails/MerchantCategoryCode Category code conform to ISO 18245, related to the type of services or goods the merchant provides for the transaction.
Tran-44	Transactions - Optional	CreditorAgent	Y	OBReadTransaction5/Data/Transaction/CreditorAgent Financial institution servicing an account for the creditor.
Tran-45	Transactions - Optional	SchemeName	Y	OBReadTransaction5/Data/Transaction/CreditorAgent/SchemeName Name of the identification scheme, in a coded form as published in an external list.
Tran-46	Transactions - Optional	Identification	Y	OBReadTransaction5/Data/Transaction/CreditorAgent/Identification Unique and unambiguous identification of a financial institution or a branch of a financial institution.
Tran-47	Transactions - Optional	Name	Y	OBReadTransaction5/Data/Transaction/CreditorAgent/Name Name by which an agent is known and which is usually used to identify that agent.
Tran-48	Transactions - Optional	PostalAddress	N	OBReadTransaction5/Data/Transaction/CreditorAgent/PostalAddress Information that locates and identifies a specific address, as defined by postal services.
Tran-49	Transactions - Optional	AddressType	N	OBReadTransaction5/Data/Transaction/CreditorAgent/PostalAddress/AddressType Identifies the nature of the postal address.
Tran-50	Transactions - Optional	Department	N	OBReadTransaction5/Data/Transaction/CreditorAgent/PostalAddress/Department Identification of a division of a large organisation or building.
Tran-51	Transactions - Optional	SubDepartment	N	OBReadTransaction5/Data/Transaction/CreditorAgent/PostalAddress/SubDepartment Identification of a sub-division of a large organisation or building.
Tran-52	Transactions - Optional	StreetName	N	OBReadTransaction5/Data/Transaction/CreditorAgent/PostalAddress/StreetName Name of a street or thoroughfare.
Tran-53	Transactions - Optional	BuildingNumber	N	OBReadTransaction5/Data/Transaction/CreditorAgent/PostalAddress/BuildingNumber Number that identifies the position of a building on a street.
Tran-54	Transactions - Optional	PostCode	N	OBReadTransaction5/Data/Transaction/CreditorAgent/PostalAddress/PostCode Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail.
Tran-55	Transactions - Optional	TownName	N	OBReadTransaction5/Data/Transaction/CreditorAgent/PostalAddress/TownName Name of a built-up area, with defined boundaries, and a local government.
Tran-56	Transactions - Optional	CountrySubDivision	N	OBReadTransaction5/Data/Transaction/CreditorAgent/PostalAddress/CountrySubDivision Identifies a subdivision of a country such as state, region, county.
Tran-57	Transactions - Optional	Country	Y	OBReadTransaction5/Data/Transaction/CreditorAgent/PostalAddress/Country Nation with its own government.
Tran-58	Transactions - Optional	AddressLine	N	OBReadTransaction5/Data/Transaction/CreditorAgent/PostalAddress/AddressLine Information that locates and identifies a specific address, as defined by postal services, presented in free format text.
Tran-59	Transactions - Optional	CreditorAccount	Y	OBReadTransaction5/Data/Transaction/CreditorAccount Unambiguous identification of the account of the creditor, in the case of a debit transaction.
Tran-60	Transactions - Optional	SchemeName	Y	OBReadTransaction5/Data/Transaction/CreditorAccount/SchemeName Name of the identification scheme, in a coded form as published in an external list.
Tran-61	Transactions - Optional	Identification	Y	OBReadTransaction5/Data/Transaction/CreditorAccount/Identification Identification assigned by an institution to identify an account. This identification is known by the account owner.
Tran-62	Transactions - Optional	Name	N	OBReadTransaction5/Data/Transaction/CreditorAccount/Name The account name is the name or names of the account owner(s) represented at an account level, as displayed by the ASPSP's online channels.
Tran-63	Transactions - Optional	SecondaryIdentification	N	OBReadTransaction5/Data/Transaction/CreditorAccount/SecondaryIdentification This is secondary identification of the account, as assigned by the account servicing institution.
Tran-64	Transactions - Optional	DebtorAgent	Y	OBReadTransaction5/Data/Transaction/DebtorAgent Financial institution servicing an account for the debtor.
Tran-65	Transactions - Optional	SchemeName	Y	OBReadTransaction5/Data/Transaction/DebtorAgent/SchemeName Name of the identification scheme, in a coded form as published in an external list.
Tran-66	Transactions - Optional	Identification	Y	OBReadTransaction5/Data/Transaction/DebtorAgent/Identification Unique and unambiguous identification of a financial institution or a branch of a financial institution.
Tran-67	Transactions - Optional	Name	N	OBReadTransaction5/Data/Transaction/DebtorAgent/Name Name by which an agent is known and which is usually used to identify that agent.
Tran-68	Transactions - Optional	PostalAddress	N	OBReadTransaction5/Data/Transaction/DebtorAgent/PostalAddress Information that locates and identifies a specific address, as defined by postal services.
Tran-69	Transactions - Optional	AddressType	N	OBReadTransaction5/Data/Transaction/DebtorAgent/PostalAddress/AddressType Identifies the nature of the postal address.
Tran-70	Transactions - Optional	Department	N	OBReadTransaction5/Data/Transaction/DebtorAgent/PostalAddress/Department Identification of a division of a large organisation or building.
Tran-71	Transactions - Optional	SubDepartment	N	OBReadTransaction5/Data/Transaction/DebtorAgent/PostalAddress/SubDepartment Identification of a sub-division of a large organisation or building.
Tran-72	Transactions - Optional	StreetName	N	OBReadTransaction5/Data/Transaction/DebtorAgent/PostalAddress/StreetName Name of a street or thoroughfare.
Tran-73	Transactions - Optional	BuildingNumber	N	OBReadTransaction5/Data/Transaction/DebtorAgent/PostalAddress/BuildingNumber Number that identifies the position of a building on a street.
Tran-74	Transactions - Optional	PostCode	N	OBReadTransaction5/Data/Transaction/DebtorAgent/PostalAddress/PostCode Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail.
Tran-75	Transactions - Optional	TownName	N	OBReadTransaction5/Data/Transaction/DebtorAgent/PostalAddress/TownName Name of a built-up area, with defined boundaries, and a local government.
Tran-76	Transactions - Optional	CountrySubDivision	N	OBReadTransaction5/Data/Transaction/DebtorAgent/PostalAddress/CountrySubDivision Identifies a subdivision of a country such as state, region, county.
Tran-77	Transactions - Optional	Country	N	OBReadTransaction5/Data/Transaction/DebtorAgent/PostalAddress/Country Nation with its own government.
Tran-78	Transactions - Optional	AddressLine	N	OBReadTransaction5/Data/Transaction/DebtorAgent/PostalAddress/AddressLine Information that locates and identifies a specific address, as defined by postal services, presented in free format text.
Tran-79	Transactions - Optional	DebtorAccount	Y	OBReadTransaction5/Data/Transaction/DebtorAccount Unambiguous identification of the account of the debtor, in the case of a credit transaction.
Tran-80	Transactions - Optional	SchemeName	Y	OBReadTransaction5/Data/Transaction/DebtorAccount/SchemeName Name of the identification scheme, in a coded form as published in an external list.
Tran-81	Transactions - Optional	Identification	Y	OBReadTransaction5/Data/Transaction/DebtorAccount/Identification Identification assigned by an institution to identify an account. This identification is known by the account owner.
Tran-82	Transactions - Optional	Name	N	OBReadTransaction5/Data/Transaction/DebtorAccount/Name The account name is the name or names of the account owner(s) represented at an account level, as displayed by the ASPSP's online channels.
Tran-83	Transactions - Optional	SecondaryIdentification	N	OBReadTransaction5/Data/Transaction/DebtorAccount/SecondaryIdentification This is secondary identification of the account, as assigned by the account servicing institution.
Tran-84	Transactions - Optional	CardInstrument	Y	OBReadTransaction5/Data/Transaction/CardInstrument Set of elements to describe the card instrument used in the transaction.
Tran-85	Transactions - Mandatory	CardSchemeName	Y	OBReadTransaction5/Data/Transaction/CardInstrument/CardSchemeName Name of the card scheme.
Tran-86	Transactions - Optional	AuthorisationType	N	OBReadTransaction5/Data/Transaction/CardInstrument/AuthorisationType The card authorisation type.
Tran-87	Transactions - Optional	Name	Y	OBReadTransaction5/Data/Transaction/CardInstrument/Name Name of the cardholder using the card instrument.
Tran-88	Transactions - Optional	Identification	Y	OBReadTransaction5/Data/Transaction/CardInstrument/Identification Identification assigned by an institution to identify the card instrument used in the transaction. This identification is known by the account owner, and may be masked.
Tran-89	Transactions - Optional	SupplementaryData	N

Party Fields

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Party-1	Party - Mandatory	OBParty2	Y	OBParty2
Party-2	Party - Mandatory	PartyId	Y	OBParty2/PartyId A unique and immutable identifier used to identify the customer resource. This identifier has no meaning to the account owner.
Party-3	Party - Optional	PartyNumber	N	OBParty2/PartyNumber Number assigned by an agent to identify its customer.
Party-4	Party - Optional	PartyType	N	OBParty2/PartyType Party type
Party-5	Party - Optional	Name	Y	OBParty2/Name Name by which a party is known and which is usually used to identify that party.
Party-6	Party - Optional	FullLegalName	N	OBParty2/FullLegalName The full legal name of the party.
Party-7	Party - Optional	LegalStructure	N	OBParty2/LegalStructure Legal standing of the party.
Party-8	Party - Optional	BeneficialOwnership	N	OBParty2/BeneficialOwnership A flag to indicate a party's beneficial ownership of the related account.
Party-9	Party - Optional	AccountRole	N	OBParty2/AccountRole A party's role with respect to the related account.
Party-10	Party - Optional	EmailAddress	N	OBParty2/EmailAddress Address for electronic mail (e-mail).
Party-11	Party - Optional	Phone	N	OBParty2/Phone Collection of information that identifies a phone number as defined by telecom services.
Party-12	Party - Optional	Mobile	N	OBParty2/Mobile Collection of information that identifies a mobile phone number as defined by telecom services.
Party-13	Party - Optional	Relationships	N	OBParty2/Relationships The Party's relationships with other resources.
Party-14	Party - Optional	Account	N	OBParty2/Relationships/Account Relationship to the Account resource.
Party-15	Party - Mandatory	Related	N	OBParty2/Relationships/Account/Related Absolute URI to the related resource.
Party-16	Party - Mandatory	Id	N	OBParty2/Relationships/Account/Id Unique identification as assigned by the ASPSP to uniquely identify the related resource.
Party-17	Party - Optional	Address	N	OBParty2/Address Postal address of a party.
Party-18	Party - Optional	AddressType	N	OBParty2/Address/AddressType Identifies the nature of the postal address.
Party-19	Party - Optional	AddressLine	N	OBParty2/Address/AddressLine Information that locates and identifies a specific address, as defined by postal services, that is presented in free format text.
Party-20	Party - Optional	StreetName	N	OBParty2/Address/StreetName Name of a street or thoroughfare.
Party-21	Party - Optional	BuildingNumber	N	OBParty2/Address/BuildingNumber Number that identifies the position of a building on a street.
Party-22	Party - Optional	PostCode	N	OBParty2/Address/PostCode Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail.
Party-23	Party - Optional	TownName	N	OBParty2/Address/TownName Name of a built-up area, with defined boundaries, and a local government.
Party-24	Party - Optional	CountrySubDivision	N	OBParty2/Address/CountrySubDivision Identifies a subdivision of a country eg, state, region, county.
Party-25	Party - Mandatory	Country	N	OBParty2/Address/Country Nation with its own government, occupying a particular territory.

Payment Initiation API

Swagger version	3.1.0
Base URI	https://openbanking-ma.santander.co.uk/sanuk/external/open-banking/v3.1/pisp
General variances to specification	No variances to specification
Non-functional limitations	15 seconds delay between POST /payment-submissions and GET Payment Submission

API Endpoints

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Endpoint 1	POST /domestic-payment-consents	-	Y	API Endpoint available
Endpoint 2	GET /domestic-payment-consents/{ConsentId}	-	Y	API Endpoint available
Endpoint 3	GET /domestic-payment-consents/{ConsentId}/funds-confirmation	-	Y	API Endpoint available
Endpoint 4	POST /domestic-payments	-	Y	API Endpoint available
Endpoint 5	GET /domestic-payments/{DomesticPaymentId}	-	Y	API Endpoint Available
Endpoint 6	POST /domestic-scheduled-payment-consents	-	Y	API Endpoint Available
Endpoint 7	GET /domestic-scheduled-payment-consents/{ConsentId}:	-	Y	API Endpoint Available
Endpoint 8	POST /domestic-scheduled-payments:	-	Y	API Endpoint Available
Endpoint 9	GET /domestic-scheduled-payments/{DomesticScheduledPaymentId}	-	Y	API Endpoint Available
Endpoint 10	POST /domestic-standing-order-consents	-	Y	API Endpoint Available
Endpoint 11	GET /domestic-standing-order-consents/{ConsentId}	-	Y	API Endpoint Available
Endpoint 12	POST /domestic-standing-orders	-	Y	API Endpoint Available
Endpoint 13	GET /domestic-standing-orders/{DomesticStandingOrderId}:	-	Y	API Endpoint Available
Endpoint 14	POST /file-payment-consents	-	Y	API Endpoint Available
Endpoint 15	GET /file-payment-consents/{ConsentId}	-	Y	API Endpoint Available
Endpoint 16	POST /file-payment-consents/{ConsentId}/file	-	Y	API Endpoint Available
Endpoint 17	GET /file-payment-consents/{ConsentId}/file		Y	API Endpoint Available
Endpoint 18	POST /file-payments	-	Y	API Endpoint Available
Endpoint 19	GET /file-payments/{FilePaymentId}	-	Y	API Endpoint Available
Endpoint 20	GET /file-payments/{FilePaymentId}/report-file	-	Y	API Endpoint Available
Endpoint 21	POST /international-payment-consents	-	Y	API Endpoint Available
Endpoint 22	GET /international-payment-consents/{ConsentId}	-	Y	API Endpoint Available
Endpoint 23	GET /international-payment-consents/{ConsentId}/funds-confirmation	-	Y	API Endpoint Available
Endpoint 24	POST /international-payments	-	Y	API Endpoint Available
Endpoint 25	GET /international-payments/{InternationalPaymentId}	-	Y	API Endpoint Available
Endpoint 26	POST /international-scheduled-payment-consents	-	N	API Endpoint Not Available
Endpoint 27	GET /international-scheduled-payment-consents/{ConsentId}	-	N	API Endpoint Not Available
Endpoint 28	GET /international-scheduled-payment-consents/{ConsentId}/funds-confirmation	-	N	API Endpoint Not Available
Endpoint 29	POST /international-scheduled-payments	-	N	API Endpoint Not Available
Endpoint 30	GET /international-scheduled-payments/{InternationalScheduledPaymentId}	-	N	API Endpoint Not Available
Endpoint 31	POST /international-standing-order-consents	-	N	API Endpoint Not Available
Endpoint 32	GET /international-standing-order-consents/{ConsentId}	-	N	API Endpoint Not Available
Endpoint 33	POST /international-standing-orders	-	N	API Endpoint Not Available
Endpoint 34	GET /international-standing-orders/{InternationalStandingOrderPaymentId}	-	N	API Endpoint Not Available

Field Information

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Ref 1	Payment Initiation API	Data	Y	"ConsentId" Unique identification as assigned by the ASPSP to uniquely identify the consent resource. Max128Text
Ref 2	Payment Initiation API	InstructionIdentification	Y	Unique identification as assigned by an instructing party for an instructed party to unambiguously identify the instruction. Usage: the instruction identification is a point to point reference that can be used between the instructing party and the instructed party to refer to the individual instruction. It can be included in several messages related to the instruction.", "type": "string", “minLength": 1, "maxLength": 35
Ref 3	Payment Initiation API	EndToEndIdentification	Y	Unique identification assigned by the initiating party to unambiguously identify the transaction. This identification is passed on, unchanged, throughout the entire end-to-end chain. Usage: The end-to-end identification can be used for reconciliation or to link tasks relating to the transaction. It can be included in several messages related to the transaction. OB: The Faster Payments Scheme can only access 31 characters for the EndToEndIdentification field. If populated with data longer than 31, the extra characters will be truncated. "type": "string", "minLength": 1, "maxLength": 35
Ref 4	Payment Initiation API	LocalInstrument	Y	User community specific instrument. Usage: This element is used to specify a local instrument, local clearing option and/or further qualify the service or service level. "type": "string", "minLength": 1, "maxLength": 35
Ref 5	Payment Initiation API	Initiation	Y	"InstructionPriority" (not supported for immediate international payments. A request containing InstructionPriority will be rejected) The Initiation payload is sent by the initiating party to the ASPSP. It is used to request movement of funds from the debtor account to a creditor for a single international payment. "Purpose" "Specifies the external purpose code in the format of character string with a maximum length of 4 characters. The list of valid codes is an external code list published separately. External code sets can be downloaded from www.iso20022.org." "ChargeBearer" Specifies which party/parties will bear the charges associated with the processing of the payment transaction. "BorneByCreditor", "BorneByDebtor", "Shared" can all be used for international immediate payments "FollowingServiceLevel" is not used for international immediate payments "CurrencyOfTransfer" Specifies the currency of the to be transferred amount, which is different from the currency of the debtor's account. "pattern": "^[A-Z]{3,3}$"
Ref 6	Payment Initiation API	InstructedAmount	Y	Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party. Usage: This amount has to be transported unchanged through the transaction chain.", "type": "object", "properties": "Amount": "type": "string", "pattern": "^\\d{1,13}\\.\\d{1,5}$" "Currency": "description": "A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 - Codes for the representation of currencies and funds.", "type": "string", "pattern": "^[A-Z]{3,3}$"
Ref 7	Payment Initiation API	ExchangeRateInformation	Y	Provides details on the currency exchange rate and contract. "UnitCurrency" Currency in which the rate of exchange is expressed in a currency exchange. In the example 1GBP = xxxCUR, the unit currency is GBP. "pattern": "^[A-Z]{3,3}$" "ExchangeRate" (Not available) The factor used for conversion of an amount from one currency to another. This reflects the price at which one currency was bought with another currency. "RateType" Specifies the type used to complete the currency exchange. "Actual", "Agreed", "Indicative" (Agreed rates not supported for immediate international payments - requests will be rejected Actual rates not supported for immediate international payments - requests will be rejected We are not rejecting a valid indicative rate request but we are not responding with a rate until day2 when we will display an indicative rate ragrdless of whether one has been requested. This will be displayed prior to authorisation, not on the consent response) "ContractIdentification" (Not available) Unique and unambiguous reference to the foreign exchange contract agreed between the initiating party/creditor and the debtor agent.
Ref 8	Payment Initiation API	DebtorAccount	Y	Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction.", "title": "DebtorAccount", "type": "object", "properties": "SchemeName": "description": "Name of the identification scheme, in a coded form as published in an external list.", "title": "SchemeName", "type": "string", "enum": "IBAN", "SortCodeAccountNumber" (For immediate international payments, DebtorAccount/SchemeName must be equal to "UK.OBIE.SortCodeAccountNumber" or non-enum "SortCodeAccountNumber" else the request will be rejected.) "Identification": "description": "Identification assigned by an institution to identify an account. This identification is known by the account owner.", "type": "string", "minLength": 1, "maxLength": 34 "Name": "description": "Name of the account, as assigned by the account servicing institution, in agreement with the account owner in order to provide an additional means of identification of the account. Usage: The account name is different from the account owner name. The account name is used in certain user communities to provide a means of identifying the account, in addition to the account owner's identity and the account number. The Faster Payments Scheme can only access 40 characters for the DebtorAccount Name field. If populated with data longer than 40, the extra characters will be truncated", "type": "string", "minLength": 1, "maxLength": 70 "SecondaryIdentification": "description": "Identification assigned by an institution to identify an account. This identification is known by the account owner.", (Used by immediate international payments as the debit reference (prefixed with /RFO/)) "type": "string", "minLength": 1, "maxLength": 34
Ref 9	Payment Initiation API	Creditor	Y	Party to which an amount of money is due. "Name" (This is a mandatory field for immediate international payments) Name by which a party is known and which is usually used to identify that party.
Ref 10	Payment Initiation API	CreditorAccount	Y	Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction.", "title": "CreditorAccount", "type": "object", "properties": "SchemeName": "description": "Name of the identification scheme, in a coded form as published in an external list.", "title": "SchemeName", "type": "string", "enum": "IBAN", "SortCodeAccountNumber" (For immediate international payments, CreditorAccount/SchemeName must be equal to "UK.OBIE.IBAN" or "UK.Santander.OtherAccount" (or non-enum "IBAN" or "OtherAccount") else the request will be rejected.) "Identification": "description": "Identification assigned by an institution to identify an account. This identification is known by the account owner.", "type": "string", "minLength": 1, "maxLength": 34 "Name": "description": "Name of the account, as assigned by the account servicing institution, in agreement with the account owner in order to provide an additional means of identification of the account. Usage: The account name is different from the account owner name. The account name is used in certain user communities to provide a means of identifying the account, in addition to the account owner's identity and the account number. ASPSPs may carry out name validation for Confirmation of Payee, but it is not mandatory. The Faster Payments Scheme can only access 40 characters for the CreditorAccount Name field. If populated with data longer than 40, the extra characters will be truncated”, "type": "string", "minLength": 1, "maxLength": 70 "SecondaryIdentification": "description": "Identification assigned by an institution to identify an account. This identification is known by the account owner. The Faster Payments Scheme can only access 18 characters for the SecondaryIdentification Name field. If populated with data longer than 18, the extra characters will be truncated", "type": "string", "minLength": 1, "maxLength": 34
Ref 11	Payment Initiation API	CreditorPostalAddress	Y	Information that locates and identifies a specific address, as defined by postal services. "title": "CreditorPostalAddress", "type": "object", "properties": "CreditorPostalAddress": "description": Information that locates and identifies a specific address, as defined by postal services "type": "OBAddressType", "Department": "description": "Identification of a division of a large organisation or building”. "type": "string", "minLength": 1, "maxLength": 70 "Sub Department": "description": "Identification of a division of a large organisation or building”. "type": "string", "minLength": 1, "maxLength": 70 "StreetName": "description": "Name of a street or thoroughfare”. "type": "string", "minLength": 1, "maxLength": 70 "BuildingNumber": "description": "Number that identifies the position of a building on a street.”. "type": "string", "minLength": 1, "maxLength": 16 "PostCode": "description": "Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail..”. "type": "string", "minLength": 1, "maxLength": 16 "TownName": (For immediate international payments, if Creditor/PostalAddress/AddressLine is absent, then Creditor/PostalAddress/Country and Creditor/PostalAddress/TownName must be present.) "description": "Name of a built-up area, with defined boundaries, and a local government.”. "type": "string", "minLength": 1, "maxLength": 35 "CountrySubDivision": "description": "Identifies a subdivision of a country such as state, region, county."type": "string", "minLength": 1, "maxLength": 35 "CountryCode": (For immediate international payments, if Creditor/PostalAddress/AddressLine is absent, then Creditor/PostalAddress/Country and Creditor/PostalAddress/TownName must be present.) "description": "Nation with its own government.", "^[A-Z]{2,2}$” "AddressLine": (For immediate international payments, if Creditor/PostalAddress/AddressLine is absent, then Creditor/PostalAddress/Country and Creditor/PostalAddress/TownName must be present.) "description": "Information that locates and identifies a specific address, as defined by postal services, presented in free format text.", "minLength": 1, "maxLength": 70
Ref 12	Payment Initiation API	CreditorAgent	Y	Financial institution servicing an account for the creditor. "SchemeName" (For immediate international payments, CreditorAgent/SchemeName must be equal to "UK.OBIE.BICFI" or "BICFI" else the request will be rejected. UNLESS, SupplementaryData DestinationCountry is 'US', Initiation CurrencyOfTransfer is 'USD' and SupplementaryData NCCCode is 'USABA', or when SupplementaryData DestinationCountry is a SEPA jurisdiction - in these 2 scenarios a request can be accepted without CreditorAgent/SchemeName equal to "UK.OBIE.BICFI" or "BICFI") Name of the identification scheme, in a coded form as published in an external list. "Identification" Unique and unambiguous identification of a financial institution or a branch of a financial institution. "Name" Name by which an agent is known and which is usually used to identify that agent.
Ref 13	Payment Initiation API	CreditorAgentPostalAddress	Y	Information that locates and identifies a specific address, as defined by postal services. "title": "CreditorPostalAddress", "type": "object", "properties": "CreditorPostalAddress": "description": Information that locates and identifies a specific address, as defined by postal services "type": "OBAddressType", "Department": "description": "Identification of a division of a large organisation or building”. "type": "string", "minLength": 1, "maxLength": 70 "Sub Department": "description": "Identification of a division of a large organisation or building”. "type": "string", "minLength": 1, "maxLength": 70 "StreetName": "description": "Name of a street or thoroughfare”. "type": "string", "minLength": 1, "maxLength": 70 "BuildingNumber": "description": "Number that identifies the position of a building on a street.”. "type": "string", "minLength": 1, "maxLength": 16 "PostCode": "description": "Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail..”. "type": "string", "minLength": 1, "maxLength": 16 "TownName": "description": "Name of a built-up area, with defined boundaries, and a local government.”. "type": "string", "minLength": 1, "maxLength": 35 "CountrySubDivision": "description": "Identifies a subdivision of a country such as state, region, county."type": "string", "minLength": 1, "maxLength": 35 "CountryCode": "description": "Nation with its own government.", "^[A-Z]{2,2}$” "AddressLine": "description": "Information that locates and identifies a specific address, as defined by postal services, presented in free format text.", "minLength": 1, "maxLength": 70
Ref 14	Payment Initiation API	RemittanceInformation	Y	Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system.", "title": "RemittanceInformation", "type": "object", "properties": "Unstructured": "description": "Information supplied to enable the matching\/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts' receivable system, in an unstructured form.", (For File Based BULK faster payments this should contain the Debit Reference for a payment. For a BULK file the Debit details specified on 1st payment record in the file will be used for the single debit.) "type": "string", "minLength": 1, "maxLength": 140 "Reference": "description": "Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction. Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money. If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification. OB: The Faster Payments Scheme can only access 18 characters for the Reference Name field. If populated with data longer than 18, the extra characters will be truncated", (For File Based BULK faster payments this should contain the Credit Reference for a payment. For FP max allowed is 18 chars.) "type": "string", "minLength": 1, "maxLength": 35
Ref 15	Payment Initiation API	SupplementaryData	Y	Additional information that cannot be captured in the structured fields and/or any other specific block. OBSupplementaryData1 "NCCCode" (The NCC code will be validated against the listed value. Where NCC information is optional and BIC mandatory, BIC validations will take place independently) For several country destinations, a routing number or National Clearing Code (NCC) can be indicated for routing in addition to a Mandatory BIC - Canada, South Africa, Australia, India, New Zealand, Hong Kong, Russia. Only the specified country destinations will be permitted to submit an NCC Code and Number "For payments to USA an NCC (Fedwire) can be specified instead of a BIC if the transfer currency is USD" "NCCIdentification" (The format of the NCC number associated with the NCC code will be validated) This is the numeric or alphanumeric string to accompany the NCC Code. "DestinationCountry" This is a mandatory field, against which the BIC, IBAN , NCC code, Creditoragent address country and other mandatory & optional fields can be validated for immediate international payments. (For immediate international payments, if a request comes in and Supplementary Data is not submitted, or DestinationCountry is not submitted, or DestinationCountry is not length 2, or DestinationCountry is not a valid iso 3166-1 Alpha 2 country, the request will be rejected.)
Ref 16	Payment Initiation API	RequestedExecutionDateTime	Y	Date at which the initiating party requests the clearing agent to process the payment. (For File Based BULK faster payments this should NOT be used as ONLY same day payments are currently being allowed.) Usage: This is the date on which the debtor's account is to be debited. “ISODateTime”
Ref 17	Payment Initiation API	Frequency	Y	Individual Definitions: EvryDay - Every day EvryWorkgDay - Every working day IntrvlWkDay - An interval specified in weeks (01 to 09), and the day within the week (01 to 07) WkInMnthDay - A monthly interval, specifying the week of the month (01 to 05) and day within the week (01 to 07) IntrvlMnthDay - An interval specified in months (between 01 to 06, 12, 24), specifying the day within the month (-5 to -1, 1 to 31) QtrDay - Quarterly (either ENGLISH, SCOTTISH, or RECEIVED). ENGLISH = Paid on the 25th March, 24th June, 29th September and 25th December. SCOTTISH = Paid on the 2nd February, 15th May, 1st August and 11th November. RECEIVED = Paid on the 20th March, 19th June, 24th September and 20th December. Individual Patterns: EvryDay (ScheduleCode) EvryWorkgDay (ScheduleCode) IntrvlWkDay:IntervalInWeeks:DayInWeek (ScheduleCode + IntervalInWeeks + DayInWeek) WkInMnthDay:WeekInMonth:DayInWeek (ScheduleCode + WeekInMonth + DayInWeek) IntrvlMnthDay:IntervalInMonths:DayInMonth (ScheduleCode + IntervalInMonths + DayInMonth) QtrDay: + either (ENGLISH, SCOTTISH or RECEIVED) ScheduleCode + QuarterDay The regular expression for this element combines five smaller versions for each permitted pattern. To aid legibility - the components are presented individually here: EvryDay EvryWorkgDay IntrvlWkDay:0[1-9]:0[1-7] WkInMnthDay:0[1-5]:0[1-7] IntrvlMnthDay:(0[1-6]\|12\|24):(-0[1-5]\|0[1-9]\|[12][0-9]\|3[01]) QtrDay:(ENGLISH\|SCOTTISH\|RECEIVED) Full Regular Expression: ^(EvryDay)$\|^(EvryWorkgDay)$\|^(IntrvlWkDay:0[1-9]:0[1-7])$\|^(WkInMnthDay:0[1-5]:0[1-7])$\|^(IntrvlMnthDay:(0[1-6]\|12\|24):(-0[1-5]\|0[1-9]\|[12][0-9]\|3[01]))$\|^(QtrDay:(ENGLISH\|SCOTTISH\|RECEIVED))$ "type": "string", "minLength": 1, "maxLength": 35
Ref 18	Payment Initiation API	Reference	Y	Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction. Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money. If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification. "type": "string", "minLength": 1, "maxLength": 35
Ref 19	Payment Initiation API	NumberOfPayments	Y	Number of the payments that will be made in completing this frequency sequence including any executed since the sequence start date. "type": "string", "minLength": 1, "maxLength": 35
Ref 20	Payment Initiation API	FirstPaymentDateTime	Y	The date on which the first payment for a Standing Order schedule will be made. "type": "ISODateTime”
Ref 21	Payment Initiation API	RecurringPaymentDateTime	Y	The date on which the first recurring payment for a Standing Order schedule will be made. Usage: This must be populated only if the first recurring date is different to the first payment date. "type": "ISODateTime”
Ref 22	Payment Initiation API	FinalPaymentDateTime	Y	The date on which the final payment for a Standing Order schedule will be made. "type": "ISODateTime”
Ref 23	Payment Initiation API	FirstPaymentAmount	Y	The amount of the first Standing Order "type": "object", "properties": "Amount": “Description”: “A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.” "Currency": "description": "A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 - Codes for the representation of currencies and funds.", "type": "string", "pattern": "^[A-Z]{3,3}$"
Ref 24	Payment Initiation API	ReocurringtPaymentAmount	Y	The amount of the recurring Standing Order "type": "object", "properties": "Amount": “Description”: “A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.” "Currency": "description": "A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 - Codes for the representation of currencies and funds.", "type": "string", "pattern": "^[A-Z]{3,3}$"
Ref 25	Payment Initiation API	FinalPaymentAmount	Y	The amount of the final Standing Order "type": "object", "properties": "Amount": “Description”: “A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.” "Currency": "description": "A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international standard ISO 4217 - Codes for the representation of currencies and funds.", "type": "string", "pattern": "^[A-Z]{3,3}$"
Ref 26	Payment Initiation API	Free text fields	N/A	Santander only support an international payment request where all the characters in the free text fields are from below character set. This is to prevent SWIFT and SEPA payments from being rejected by downstream interfaces. a b c d e f g h i j k l m n o p q r s t u v w x y z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 0 1 2 3 4 5 6 7 8 9 / – ? : ( ) . , ‘ + CrLf Space
Ref 27	Payment Initiation API (file-payment-consent and file-payment)	Data	Y	"ConsentId" Unique identification as assigned by the ASPSP to uniquely identify the consent resource. Max128Text
Ref 28	Payment Initiation API (file-payment-consent and file-payment)	FileType	Y	Specifies the payment file type Usage: Mandatory - Only file type 'UK.OBIE.PaymentInitiation.3.0' is supported at this time. Any other file types will be rejected. "type": "Text", “minLength": 1, "maxLength": 35
Ref 29	Payment Initiation API (file-payment-consent and file-payment)	FileHash	Y	Base64 encoding of a SHA256 hash of the file to be uploaded. Usage: Mandatory "type": "Text", “minLength": 1, "maxLength": 44
Ref 30	Payment Initiation API (file-payment-consent and file-payment)	FileReference	Y	Reference for the file. "type": "Text", “minLength": 0, "maxLength": 40
Ref 31	Payment Initiation API (file-payment-consent and file-payment)	NumberOfTransactions	Y	Number of individual transactions contained in the payment information group Usage: Mandatory - There is a requirement for this field to be populated otherwise payment Request will be rejected. "type": "NumericText" “minLength": 1, "maxLength": 15
Ref 32	Payment Initiation API (file-payment-consent and file-payment)	ControlSum	Y	Total of all individual amounts included in the group, irrespective of currencies Usage: Mandatory - There is a requirement for this field to be populated otherwise payment Request will be rejected. "type": "DecimalNumber"
Ref 33	Payment Initiation API (file-payment-consent and file-payment)	RequestedExecutionDateTime	Y	Date at which the initiating party requests the clearing agent to process the payment. Usage: This is the date on which the debtor's account is to be debited. This date must be equal to or less than payment date submission. Future Dated dates are currently not allowed. "type": "ISODateTime"
Ref 34	Payment Initiation API (file-payment-consent and file-payment)	LocalInstrument	Y	User community specific instrument. Usage: This element is used to specify a local instrument, local clearing option and/or further qualify the service or service level. """type"": ""OBExternalLo calInstrument 1Code"""
Ref 35	Payment Initiation API (file-payment-consent and file-payment)	DebtorAccount	Y	Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. "type": "OBCashAccountDebtor4"
Ref 36	Payment Initiation API (file-payment-consent and file-payment)	SchemeName	Y	Name of the identification scheme, in a coded form as published in an external list. Usage: Mandatory - Must be equal to "UK.OBIE.SortCodeAccountNumber" or non-enum "SortCodeAccountNumber" else the request will be rejected. """type"": ""OBExternalAc countIdentific ation4Code"""
Ref 37	Payment Initiation API (file-payment-consent and file-payment)	Identification	Y	Identification assigned by an institution to identify an account. This identification is known by the account owner. Usage: Mandatory - Identifies the Debit Account that should contain 6 digit sortcode and 8 digit account number. "type": "Text", “minLength": 1, "maxLength": 240
Ref 38	Payment Initiation API (file-payment-consent and file-payment)	Name	Y	Name of the account, as assigned by the account servicing institution. Usage: Name of Debit Account holder "type": "Text", “minLength": 0, "maxLength": 70
Ref 39	Payment Initiation API (file-payment-consent and file-payment)	SecondaryIdentification	Y	This is secondary identification of the account, as assigned by the account servicing institution. Usage: This is not used by Santander UK "type": "Text", “minLength": 0, "maxLength": 34
Ref 40	Payment Initiation API (file-payment-consent and file-payment)	RemittanceInformation	Y	Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system. "type": "OBRemittanceInformation1"
Ref 41	Payment Initiation API (file-payment-consent and file-payment)	Unstructured	Y	Information supplied to enable the matching/reconciliation of an entry with the items that the payment is intended to settle, such as commercial invoices in an accounts'receivable system, in an unstructured form. Usage: This should contain the Debit Reference associated with the BULK/BATCH file payment. The max allowed for FP & CHAPS is 90 chars. "type": "Text", “minLength": 0, "maxLength": 140
Ref 42	Payment Initiation API (file-payment-consent and file-payment)	Reference	Y	Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction. Usage: This will contain the Credit Reference. For FP max allowed is 18 chars and for CHAPS it is 35 chars. "type": "Text", “minLength": 0, "maxLength": 35
Ref 43	Payment Initiation API (file-payment-consent and file-payment)	SupplementaryData	Y	Additional information that can not be captured in the structured fields and/or any other specific block. Usage: This will not be used for Domestic payments.
Ref 44	Payment Initiation API (file-payment-consent and file-payment)	FP Free text fields	Y	UK Domestic Character Set When instructing a Faster Payment and Bulk payment only characters from the following set maybe used in the free format fields: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 0 1 2 3 4 5 6 7 8 9 . - / & <space>
Ref 45	Payment Initiation API (file-payment-consent and file-payment)	CHAPS Free text fields	Y	CHAPS Character Set When instructing a CHAPS payment only characters from the following set maybe used in the free format fields: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z a b c d e f g h I j k l m n o p q r s t u v w x y z 0 1 2 3 4 5 6 7 8 9 . - / ? : ( ) , + ‘ <space>

Open Data API

ATMs API

Swagger version	2.1.0
Base URI	https://openbanking.santander.co.uk/sanuk/external/open-banking/v2.1
Swagger version	2.2.0
Base URI	https://openbanking.santander.co.uk/sanuk/external/open-banking/v2.2
General variances to specification	No variances to specification
Non-functional limitations

API Endpoints

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Endpoint 1	GET /atms	-	Y	API Endpoint available

Branches API

Swagger version	2.1.0
Base URI	https://openbanking.santander.co.uk/sanuk/external/open-banking/v2.1
Swagger version	2.2.0
Base URI	https://openbanking.santander.co.uk/sanuk/external/open-banking/v2.2
General variances to specification	No variances to specification
Non-functional limitations

API Endpoints

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Endpoint 1	GET /branches	-	Y	API Endpoint available

Products API

Swagger version	2.1.0
Base URI	https://openbanking.santander.co.uk/sanuk/external/open-banking/v2.1
Swagger version	2.2.0
Base URI	https://openbanking.santander.co.uk/sanuk/external/open-banking/v2.2
General variances to specification	No variances to specification
Non-functional limitations

API Endpoints

Ref	Area	Field	Available (Y/N)	Exception/Notes (inc details on classification codes, field limits, and field formats)
Endpoint 1	GET /unsecured-sme-loans	-	Y	API Endpoint available
Endpoint 2	GET /business-current-accounts	-	Y	API Endpoint available
Endpoint 3	GET /personal-current-accounts	-	Y	API Endpoint available
Endpoint 4	GET /commercial-credit-cards	-	Y	API Endpoint available

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