Implementation Guide: Santander


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 version3.1.2
Base URIhttps://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

RefAreaFieldAvailable (Y/N)Exception/Notes (inc details on classification codes, field limits, and field formats)
Endpoint 1POST /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 -YConditional

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 23GET/scheduled-payments-NOptional

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

RefAreaFieldAvailable (Y/N)Exception/Notes (inc details on classification codes, field limits, and field formats)
Ben-1Beneficiaries - MandatoryOBReadBeneficiary3YOBReadBeneficiary3
Ben-2Beneficiaries - MandatoryDataYOBReadBeneficiary3/Data
Ben-3Beneficiaries - OptionalBeneficiaryYOBReadBeneficiary3/Data/Beneficiary
Ben-4Beneficiaries - OptionalAccountIdY

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-5Beneficiaries - OptionalBeneficiaryIdN

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-6Beneficiaries - OptionalReferenceY

OBReadBeneficiary3/Data/Beneficiary/Reference

Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.

Ben-7Beneficiaries - OptionalCreditorAgentY

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-8Beneficiaries - OptionalSchemeNameN

OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/SchemeName

Name of the identification scheme, in a coded form as published in an external list.

Ben-9Beneficiaries - OptionalIdentificationY

OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/Identification

Unique and unambiguous identification of the servicing institution.

Ben-10Beneficiaries - OptionalNameY

OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/Name

Name by which an agent is known and which is usually used to identify that agent.

Ben-11Beneficiaries - OptionalPostalAddressN

OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress

Information that locates and identifies a specific address, as defined by postal services.

Ben-12Beneficiaries - OptionalAddressTypeN

OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/AddressType

Identifies the nature of the postal address.

Ben-13Beneficiaries - OptionalDepartmentN

OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/Department

Identification of a division of a large organisation or building.

Ben-14Beneficiaries - OptionalSubDepartmentN

OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/SubDepartment

Identification of a sub-division of a large organisation or building.

Ben-15Beneficiaries - OptionalStreetNameN

OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/StreetName

Name of a street or thoroughfare.

Ben-16Beneficiaries - OptionalBuildingNumberN

OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/BuildingNumber

Number that identifies the position of a building on a street.

Ben-17Beneficiaries - OptionalPostCodeN

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-18Beneficiaries - OptionalTownNameN

OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/TownName

Name of a built-up area, with defined boundaries, and a local government.

Ben-19Beneficiaries - OptionalCountrySubDivisionN

OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/CountrySubDivision

Identifies a subdivision of a country such as state, region, county.

Ben-20Beneficiaries - OptionalCountryY

OBReadBeneficiary3/Data/Beneficiary/CreditorAgent/PostalAddress/Country

Nation with its own government.

Ben-21Beneficiaries - OptionalAddressLineN

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-22Beneficiaries - OptionalCreditorAccountY

OBReadBeneficiary3/Data/Beneficiary/CreditorAccount

Provides the details to identify the beneficiary account.

Ben-23Beneficiaries - MandatorySchemeNameY

OBReadBeneficiary3/Data/Beneficiary/CreditorAccount/SchemeName

Name of the identification scheme, in a coded form as published in an external list.

Ben-24Beneficiaries - MandatoryIdentificationY

OBReadBeneficiary3/Data/Beneficiary/CreditorAccount/Identification

Identification assigned by an institution to identify an account. This identification is known by the account owner.

Ben-25Beneficiaries - OptionalNameY

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-26Beneficiaries - OptionalSecondaryIdentificationN

OBReadBeneficiary3/Data/Beneficiary/CreditorAccount/SecondaryIdentification

This is secondary identification of the account, as assigned by the account servicing institution.

Direct Debits Fields

RefAreaFieldAvailable (Y/N)Exception/Notes (inc details on classification codes, field limits, and field formats)
DD-1Direct Debit - MandatoryOBReadDirectDebit1YOBReadDirectDebit1
DD-2Direct Debit - MandatoryDataYOBReadDirectDebit1/Data
DD-3Direct Debit - OptionalDirectDebitY

OBReadDirectDebit1/Data/DirectDebit

Account to or from which a cash entry is made.

DD-4Direct Debit - MandatoryAccountIdY

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-5Direct Debit - OptionalDirectDebitIdN

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-6Direct Debit - MandatoryMandateIdentificationY

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-7Direct Debit - OptionalDirectDebitStatusCodeY

OBReadDirectDebit1/Data/DirectDebit/DirectDebitStatusCode

Specifies the status of the direct debit in code form.

DD-8Direct Debit - MandatoryNameY

OBReadDirectDebit1/Data/DirectDebit/Name

Name of Service User.

DD-9Direct Debit - OptionalPreviousPaymentDateTimeYOBReadDirectDebit1/Data/DirectDebit/PreviousPaymentDateTime
DD-10Direct Debit - OptionalPreviousPaymentAmountYOBReadDirectDebit1/Data/DirectDebit/PreviousPaymentAmount
DD-11Direct Debit - MandatoryAmountYOBReadDirectDebit1/Data/DirectDebit/PreviousPaymentAmount/Amount
DD-12Direct Debit - MandatoryCurrencyYOBReadDirectDebit1/Data/DirectDebit/PreviousPaymentAmount/Currency

Products Fields

RefAreaFieldAvailable (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

RefAreaFieldAvailable (Y/N)Exception/Notes (inc details on classification codes, field limits, and field formats)
SO-1Standing Order - MandatoryOBReadStandingOrder5YOBReadStandingOrder5
SO-2Standing Order - MandatoryDataYOBReadStandingOrder5/Data
SO-3Standing Order - OptionalStandingOrderYOBReadStandingOrder5/Data/StandingOrder
SO-4Standing Order - MandatoryAccountIdY

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-5Standing Order - OptionalStandingOrderIdN

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-6Standing Order - MandatoryFrequencyYOBReadStandingOrder5/Data/StandingOrder/Frequency
SO-7Standing Order - OptionalReferenceY

OBReadStandingOrder5/Data/StandingOrder/Reference

Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.

SO-8Standing Order - OptionalFirstPaymentDateTimeY

OBReadStandingOrder5/Data/StandingOrder/FirstPaymentDateTime

The date on which the first payment for a Standing Order schedule will be made.

SO-9Standing Order - OptionalNextPaymentDateTimeY

OBReadStandingOrder5/Data/StandingOrder/NextPaymentDateTime

The date on which the next payment for a Standing Order schedule will be made.

SO-10Standing Order - OptionalFinalPaymentDateTimeY

OBReadStandingOrder5/Data/StandingOrder/FinalPaymentDateTime

The date on which the final payment for a Standing Order schedule will be made.

SO-11Standing Order - OptionalStandingOrderStatusCodeY

OBReadStandingOrder5/Data/StandingOrder/StandingOrderStatusCode

Specifies the status of the standing order in code form.

SO-12Standing Order - OptionalFirstPaymentAmountY

OBReadStandingOrder5/Data/StandingOrder/FirstPaymentAmount

The amount of the first Standing Order

SO-13Standing Order - MandatoryAmountY

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-14Standing Order - MandatoryCurrencyY

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-15Standing Order - OptionalNextPaymentAmountY

OBReadStandingOrder5/Data/StandingOrder/NextPaymentAmount

The amount of the next Standing Order.

SO-16Standing Order - MandatoryAmountY

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-17Standing Order - MandatoryCurrencyY

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-18Standing Order - OptionalFinalPaymentAmountY

OBReadStandingOrder5/Data/StandingOrder/FinalPaymentAmount

The amount of the final Standing Order

SO-19Standing Order - MandatoryAmountY

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-20Standing Order - MandatoryCurrencyY

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-21Standing Order - OptionalCreditorAgentN

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-22Standing Order - MandatorySchemeNameN

OBReadStandingOrder5/Data/StandingOrder/CreditorAgent/SchemeName

Name of the identification scheme, in a coded form as published in an external list.

SO-23Standing Order - MandatoryIdentificationN

OBReadStandingOrder5/Data/StandingOrder/CreditorAgent/Identification

Unique and unambiguous identification of the servicing institution.

SO-24Standing Order - OptionalCreditorAccountY

OBReadStandingOrder5/Data/StandingOrder/CreditorAccount

Provides the details to identify the beneficiary account.

SO-25Standing Order - MandatorySchemeNameY

OBReadStandingOrder5/Data/StandingOrder/CreditorAccount/SchemeName

Name of the identification scheme, in a coded form as published in an external list.

SO-26Standing Order - MandatoryIdentificationY

OBReadStandingOrder5/Data/StandingOrder/CreditorAccount/Identification

Beneficiary account identification.

SO-27Standing Order - OptionalNameY

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-28Standing Order - OptionalSecondaryIdentificationN

OBReadStandingOrder5/Data/StandingOrder/CreditorAccount/SecondaryIdentification

This is secondary identification of the account, as assigned by the account servicing institution.

SO-29Standing Order - OptionalSupplementaryDataN

OBReadStandingOrder5/Data/StandingOrder/SupplementaryData

Additional information that can not be captured in the structured fields and/or any other specific block.

Statements Fields

RefAreaFieldAvailable (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 version3.1.0
Base URI

https://openbanking-ma.santander.co.uk/sanuk/external/open-banking/v3.1/pisp

General variances to specificationNo variances to specification
Non-functional limitations15 seconds delay between POST /payment-submissions and GET Payment Submission

API Endpoints

RefAreaFieldAvailable (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

RefAreaFieldAvailable (Y/N)Exception/Notes (inc details on classification codes, field limits, and field formats)
Ref 1Payment Initiation APIDataY"ConsentId"
Unique identification as assigned by the ASPSP to uniquely identify the consent resource.
Max128Text

Ref 2

Payment Initiation API

InstructionIdentificationY

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 5Payment Initiation APIInitiationY"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 7Payment Initiation APIExchangeRateInformationYProvides 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 9Payment Initiation APICreditorYParty 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 12Payment Initiation APICreditorAgentYFinancial 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 13Payment Initiation APICreditorAgentPostalAddressYInformation 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 26Payment Initiation APIFree text fieldsN/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 27Payment Initiation API (file-payment-consent and file-payment)DataY"ConsentId"
Unique identification as assigned by the ASPSP to uniquely identify the consent resource.
Max128Text
Ref 28Payment Initiation API (file-payment-consent and file-payment)FileTypeYSpecifies 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 29Payment Initiation API (file-payment-consent and file-payment)FileHashYBase64 encoding of a SHA256 hash of the file to be uploaded.
Usage: Mandatory
"type": "Text",
“minLength": 1,
"maxLength": 44
Ref 30Payment Initiation API (file-payment-consent and file-payment)FileReferenceYReference for the file.
"type": "Text",
“minLength": 0,
"maxLength": 40
Ref 31Payment Initiation API (file-payment-consent and file-payment)NumberOfTransactionsYNumber 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 32Payment Initiation API (file-payment-consent and file-payment)ControlSumYTotal 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 33Payment Initiation API (file-payment-consent and file-payment)RequestedExecutionDateTimeYDate 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 34Payment Initiation API (file-payment-consent and file-payment)LocalInstrumentYUser 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 35Payment Initiation API (file-payment-consent and file-payment)DebtorAccountYUnambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction.
"type": "OBCashAccountDebtor4"
Ref 36Payment Initiation API (file-payment-consent and file-payment)SchemeNameYName 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 37Payment Initiation API (file-payment-consent and file-payment)IdentificationYIdentification 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 38Payment Initiation API (file-payment-consent and file-payment)NameYName of the account, as assigned by the account servicing institution.
Usage: Name of Debit Account holder
"type": "Text",
“minLength": 0,
"maxLength": 70
Ref 39Payment Initiation API (file-payment-consent and file-payment)SecondaryIdentificationYThis 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 40Payment Initiation API (file-payment-consent and file-payment)RemittanceInformationYInformation 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 41Payment Initiation API (file-payment-consent and file-payment)UnstructuredYInformation 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 42Payment Initiation API (file-payment-consent and file-payment)ReferenceYUnique 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 43Payment Initiation API (file-payment-consent and file-payment)SupplementaryDataYAdditional 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 44Payment Initiation API (file-payment-consent and file-payment)FP Free text fieldsYUK 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 45Payment Initiation API (file-payment-consent and file-payment)CHAPS Free text fieldsY

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 version2.1.0
Base URI

https://openbanking.santander.co.uk/sanuk/external/open-banking/v2.1

Swagger version2.2.0
 Base URIhttps://openbanking.santander.co.uk/sanuk/external/open-banking/v2.2
General variances to specification No variances to specification
Non-functional limitations

API Endpoints

RefAreaFieldAvailable (Y/N)Exception/Notes (inc details on classification codes, field limits, and field formats)
Endpoint 1GET /atms-YAPI Endpoint available

Branches API

Swagger version2.1.0
Base URI

https://openbanking.santander.co.uk/sanuk/external/open-banking/v2.1

Swagger version2.2.0
Base URIhttps://openbanking.santander.co.uk/sanuk/external/open-banking/v2.2
General variances to specification No variances to specification
Non-functional limitations

API Endpoints

RefAreaFieldAvailable (Y/N)Exception/Notes (inc details on classification codes, field limits, and field formats)
Endpoint 1GET /branches-YAPI Endpoint available

Products API

Swagger version2.1.0
Base URI

https://openbanking.santander.co.uk/sanuk/external/open-banking/v2.1

Swagger version2.2.0
 Base URIhttps://openbanking.santander.co.uk/sanuk/external/open-banking/v2.2
General variances to specification No variances to specification
Non-functional limitations

API Endpoints

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