Implementation Guide: Coutts & Company
This page has been created and maintained by the relevant ASPSP, and OBIE takes no liability for the completeness nor accuracy of this data.
Note to ASPSP: Please indicate which brands this applies to and/or duplicate this page per brand if relevant.
Announcements:
TPP Info
Date | Information |
|---|---|
| 30.09.2019 | Coutts has now officially been certified as FAPI-compliant by OpenID: https://openid.net/certification/#FAPI_OPs |
| 23.09.2019 | As communicated two weeks ago, Coutts & Co. has deployed and verified a new major release of our Open Banking solution stack. We request all TPPs to re-onboard starting 26.09.2019. In case of issues or questions, please contact our service desk as indicated on the developer portal. |
Planned Improvements | Delivery date |
|---|---|
App-to-App enhancements: Coutts & Co plans to implement app-to-app enhancements for Open Banking journeys by mid November. | 17.11.2019 |
| File Payments v3.1 | 17.11.2019 |
Change to Production:
Improvement | Delivery date |
|---|---|
| n/a | - |
On-boarding
| Supports dynamic client registration (Y/N) | Y |
|---|---|
| Instructions for manual onboarding | Coutts & Co. does not support manual registration. Only dynamic registration is supported. |
| OIDC .well-known endpoint | |
| Notes on testing | Follow the instructions on the ‘Sandbox’ page in our developer portal to get started. For all other testing related support queries, raise a testing related request using the service desk on our developer portal ‘Launch the Service Desk’ page. Until September 14th, Coutts & Co. is in a phase of live proving with a limited number of customers. If a TPP should plan to integrate with Coutts productively and test the APIs, then please contact us via the service desk mentioned above. |
| Other on-boarding notes | Currently, Coutts & Co. supports certificates issued by Open Banking. Support of eIDAS certificates is planned to be available by end of November 2019. |
| Documentation URL | https://www.bankofapis.com/products/accounts/documentation/coutts/3.0.0 |
FAPI Compliance
Coutts & Co. has successfully passed the FAPI conformance requirements without any warnings.
Link: https://openid.net/certification/#FAPI_OPs
Account Information API
| Swagger version | 3.1 |
|---|---|
| Base URI | |
| General variances to specification | Bulk endpoints not implemented |
| Non-functional limitations | Global as well as individual TPP rate limiting will be applied for API calls in production and in sandbox. |
List of endpoints
| Resource | Endpoint | Available (Y/N) | Mandatory? | |
|---|---|---|---|---|
| 1 | account-access-consents | POST /account-access-consents | Y | Mandatory |
| 2 | account-access-consents | GET /account-requests/{AccountRequestId} | Y | Mandatory |
| 3 | account-access-consents | DELETE /account-requests/{AccountRequestId} | Y | Mandatory |
| 4 | accounts | GET /accounts | Y | Mandatory |
| 5 | accounts | GET /accounts/{AccountId} | Y | Mandatory |
| 6 | balances | GET /accounts/{AccountId}/balances | Y | Mandatory |
| 7 | balances | GET /balances | N | Optional |
| 8 | transactions | GET /accounts/{AccountId}/transactions | Y | Mandatory |
| 9 | transactions | GET /transactions | N | Optional |
| 10 | beneficiaries | GET /accounts/{AccountId}/beneficiaries | Y | Conditional |
| 11 | beneficiaries | GET /beneficiaries | N | Optional |
| 12 | direct-debits | GET /accounts/{AccountId}/direct-debits | Y | Conditional |
| 13 | direct-debits | GET /direct-debits | N | Optional |
| 14 | standing-orders | GET /accounts/{AccountId}/standing-orders | Y | Conditional |
| 15 | standing-orders | GET /standing-orders | N | Optional |
| 16 | products | GET /accounts/{AccountId}/product | Y | Conditional |
| 17 | products | GET /products | N | Optional |
| 18 | offers | GET /accounts/{AccountId}/offers | N | Conditional |
| 19 | offers | GET /offers | N | Optional |
| 20 | party | GET /accounts/{AccountId}/party | N | Conditional |
| 21 | party | GET /party | N | Optional |
| 22 | scheduled-payments | GET /accounts/{AccountId}/scheduled-payments | Y | Conditional |
| 23 | scheduled-payments | GET /scheduled-payments | N | Optional |
| 24 | statements | GET /accounts/{AccountId}/statements | N | Conditional |
| 25 | statements | GET /accounts/{AccountId}/statements/{StatementId} | N | Conditional |
| 26 | statements | GET /accounts/{AccountId}/statements/{StatementId}/file | N | Optional |
| 27 | transactions | GET /accounts/{AccountId}/statements/{StatementId}/transactions | N | Conditional |
| 28 | statements | GET /statements | N | Conditional |
Fields information
The information struck through are not valid for the current implementation, see the red text for the implementation differences/details.
Account Access Consents - Request - Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes |
|---|---|---|---|---|---|
| OBReadConsent1 | OBReadConsent1 | OBReadConsent1 | |||
| Data | 1..1 | OBReadConsent1/Data | OBReadData1 | ||
| Permissions | 1..n | OBReadConsent1/Data/Permissions | Specifies the Open Banking account access data types. This is a list of the data clusters being consented by the PSU, and requested for authorisation with the ASPSP. | OBExternalPermissions1Code | ReadAccountsBasic ReadAccountsDetail ReadBalances ReadBeneficiariesBasic ReadBeneficiariesDetail ReadDirectDebits ReadProducts ReadScheduledPaymentsBasic ReadScheduledPaymentsDetail ReadStandingOrdersBasic ReadStandingOrdersDetail ReadTransactionsBasic ReadTransactionsCredits ReadTransactionsDebits ReadTransactionsDetail |
| ExpirationDateTime | 0..1 | OBReadConsent1/Data/ExpirationDateTime | Specified date and time the permissions will expire. If this is not populated, the permissions will be open ended. | ISODateTime | |
| TransactionFromDateTime | 0..1 | OBReadConsent1/Data/TransactionFromDateTime | Specified start date and time for the transaction query period. If this is not populated, the start date will be open ended, and data will be returned from the earliest available transaction. | ISODateTime | |
| TransactionToDateTime | 0..1 | OBReadConsent1/Data/TransactionToDateTime | Specified end date and time for the transaction query period. If this is not populated, the end date will be open ended, and data will be returned to the latest available transaction. | ISODateTime | |
| Risk | 1..1 | OBReadConsent1/Risk | The Risk section is sent by the initiating party to the ASPSP. It is used to specify additional details for risk scoring for Account Info. | OBRisk2 |
Account Access Consents - Response - Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes |
|---|---|---|---|---|---|
| OBReadConsentResponse1 | OBReadConsentResponse1 | OBReadConsentResponse1 | |||
| Data | 1..1 | OBReadConsentResponse1/Data | OBReadDataConsentResponse1 | ||
| ConsentId | 1..1 | OBReadConsentResponse1/Data/ConsentId | Unique identification as assigned to identify the account access consent resource. | Max128Text | |
| CreationDateTime | 1..1 | OBReadConsentResponse1/Data/CreationDateTime | Date and time at which the resource was created. | ISODateTime | |
| Status | 1..1 | OBReadConsentResponse1/Data/Status | Specifies the status of consent resource in code form. | OBExternalRequestStatus1Code | Authorised AwaitingAuthorisation Rejected Revoked |
| StatusUpdateDateTime | 1..1 | OBReadConsentResponse1/Data/StatusUpdateDateTime | Date and time at which the resource status was updated. | ISODateTime | |
| Permissions | 1..n | OBReadConsentResponse1/Data/Permissions | Specifies the Open Banking account access data types. This is a list of the data clusters being consented by the PSU, and requested for authorisation with the ASPSP. | OBExternalPermissions1Code | ReadAccountsBasic ReadAccountsDetail ReadBalances ReadBeneficiariesBasic ReadBeneficiariesDetail ReadDirectDebits ReadProducts ReadScheduledPaymentsBasic ReadScheduledPaymentsDetail ReadStandingOrdersBasic ReadStandingOrdersDetail ReadTransactionsBasic ReadTransactionsCredits ReadTransactionsDebits ReadTransactionsDetail |
| ExpirationDateTime | 0..1 | OBReadConsentResponse1/Data/ExpirationDateTime | Specified date and time the permissions will expire. If this is not populated, the permissions will be open ended. | ISODateTime | |
| TransactionFromDateTime | 0..1 | OBReadConsentResponse1/Data/TransactionFromDateTime | Specified start date and time for the transaction query period. If this is not populated, the start date will be open ended, and data will be returned from the earliest available transaction. | ISODateTime | |
| TransactionToDateTime | 0..1 | OBReadConsentResponse1/Data/TransactionToDateTime | Specified end date and time for the transaction query period. If this is not populated, the end date will be open ended, and data will be returned to the latest available transaction. | ISODateTime | |
| Risk | 1..1 | OBReadConsentResponse1/Risk | The Risk section is sent by the initiating party to the ASPSP. It is used to specify additional details for risk scoring for Account Info. | OBRisk2 |
Account - Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
OBReadAccount3 | OBReadAccount3 | OBReadAccount3 | ||||
Data | 1..1 | OBReadAccount3/Data | OBReadDataAccount3 | |||
Account | 0..n | OBReadAccount3/Data/Account | Unambiguous identification of the account to which credit and debit entries are made. | OBAccount3 | ||
AccountId | 1..1 | OBReadAccount3/Data/Account/AccountId | A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner. | Max40Text | ||
Currency | 1..1 | OBReadAccount3/Data/Account/Currency | Identification of the currency in which the account is held. Usage: Currency should only be used in case one and the same account number covers several currencies and the initiating party needs to identify which currency needs to be used for settlement on the account. | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
AccountType | 1..1 | OBReadAccount3/Data/Account/AccountType | Specifies the type of account (personal or business). | OBExternalAccountType1Code | Business Personal | |
AccountSubType | 1..1 | OBReadAccount3/Data/Account/AccountSubType | Specifies the sub type of account (product family group). | OBExternalAccountSubType1Code | ChargeCard CreditCard CurrentAccount EMoney Loan Mortgage PrePaidCard Savings | |
|
|
|
|
| ||
|
|
|
|
| ||
Account | 0..n | OBReadAccount3/Data/Account/Account | Provides the details to identify an account. | OBCashAccount5 | ||
SchemeName | 1..1 | OBReadAccount3/Data/Account/Account/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | ||
Identification | 1..1 | OBReadAccount3/Data/Account/Account/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 0..1 | OBReadAccount3/Data/Account/Account/Name | Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. | Max70Text | ||
|
|
|
|
| ||
Servicer | 0..1 | OBReadAccount3/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. | OBBranchAndFinancialInstitutionIdentification5 | ||
SchemeName | 1..1 | OBReadAccount3/Data/Account/Servicer/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalFinancialInstitutionIdentification4Code | ||
Identification | 1..1 | OBReadAccount3/Data/Account/Servicer/Identification | Unique and unambiguous identification of the servicing institution. | Max35Text |
Balances - Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
OBReadBalance1 | OBReadBalance1 | OBReadBalance1 | ||||
Data | 1..1 | OBReadBalance1/Data | OBReadDataBalance1 | |||
Balance | 1..n | OBReadBalance1/Data/Balance | Set of elements used to define the balance details. | OBCashBalance1 | ||
AccountId | 1..1 | OBReadBalance1/Data/Balance/AccountId | A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner. | Max40Text | ||
CreditDebitIndicator | 1..1 | OBReadBalance1/Data/Balance/CreditDebitIndicator | Indicates whether the balance is a credit or a debit balance. Usage: A zero balance is considered to be a credit balance. | OBCreditDebitCode | Credit Debit | |
Type | 1..1 | OBReadBalance1/Data/Balance/Type | Balance type, in a coded form. | OBBalanceType1Code | ClosingAvailable ClosingBooked ClosingCleared Expected ForwardAvailable Information InterimAvailable InterimBooked InterimCleared OpeningAvailable OpeningBooked OpeningCleared PreviouslyClosedBooked | |
DateTime | 1..1 | OBReadBalance1/Data/Balance/DateTime | Indicates the date (and time) of the balance. | ISODateTime | ||
Amount | 1..1 | OBReadBalance1/Data/Balance/Amount | Amount of money of the cash balance. | OBActiveOrHistoricCurrencyAndAmount | ||
Amount | 1..1 | 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. | OBActiveCurrencyAndAmount_SimpleType | ^\d{1,13}\.\d{1,5}$ | |
Currency | 1..1 | 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". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
|
|
Transactions - Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
OBReadTransaction4 | OBReadTransaction4 | OBReadTransaction4 | ||||
Data | 1..1 | OBReadTransaction4/Data | OBReadDataTransaction4 | |||
Transaction | 0..n | OBReadTransaction4/Data/Transaction | Provides further details on an entry in the report. | OBTransaction4 | ||
AccountId | 1..1 | OBReadTransaction4/Data/Transaction/AccountId | A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner. | Max40Text | ||
TransactionId | 0..1 | OBReadTransaction4/Data/Transaction/TransactionId | Unique identifier for the transaction within an servicing institution. This identifier is both unique and immutable. | Max40Text | ||
TransactionReference | 0..1 | OBReadTransaction4/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. | Max35Text | ||
|
|
|
|
| ||
CreditDebitIndicator | 1..1 | OBReadTransaction4/Data/Transaction/CreditDebitIndicator | Indicates whether the transaction is a credit or a debit entry. | OBCreditDebitCode | Credit Debit | |
Status | 1..1 | OBReadTransaction4/Data/Transaction/Status | Status of a transaction entry on the books of the account servicer. | OBEntryStatus1Code | Booked Pending | |
BookingDateTime | 1..1 | OBReadTransaction4/Data/Transaction/BookingDateTime | Date and time when a transaction entry is posted to an account on the account servicer's books. Usage: Booking date is the expected booking date, unless the status is booked, in which case it is the actual booking date. | ISODateTime | ||
ValueDateTime | 0..1 | OBReadTransaction4/Data/Transaction/ValueDateTime | Date and time at which assets become available to the account owner in case of a credit entry, or cease to be available to the account owner in case of a debit transaction entry. Usage: If transaction entry status is pending and value date is present, then the value date refers to an expected/requested value date. For transaction entries subject to availability/float and for which availability information is provided, the value date must not be used. In this case the availability component identifies the number of availability days. | ISODateTime | ||
TransactionInformation | 0..1 | OBReadTransaction4/Data/Transaction/TransactionInformation | Further details of the transaction. This is the transaction narrative, which is unstructured text. | Max500Text | ||
AddressLine | 0..1 | OBReadTransaction4/Data/Transaction/AddressLine | Information that locates and identifies a specific address for a transaction entry, that is presented in free format text. | Max70Text | ||
Amount | 1..1 | OBReadTransaction4/Data/Transaction/Amount | Amount of money in the cash transaction entry. | OBActiveOrHistoricCurrencyAndAmount | ||
Amount | 1..1 | OBReadTransaction4/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. | OBActiveCurrencyAndAmount_SimpleType | ^\d{1,13}\.\d{1,5}$ | |
Currency | 1..1 | OBReadTransaction4/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". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
ChargeAmount | 0..1 | OBReadTransaction4/Data/Transaction/ChargeAmount | Transaction charges to be paid by the charge bearer. | OBActiveOrHistoricCurrencyAndAmount | ||
Amount | 1..1 | OBReadTransaction4/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. | OBActiveCurrencyAndAmount_SimpleType | ^\d{1,13}\.\d{1,5}$ | |
Currency | 1..1 | OBReadTransaction4/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". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
CurrencyExchange | 0..1 | OBReadTransaction4/Data/Transaction/CurrencyExchange | Set of elements used to provide details on the currency exchange. | OBCurrencyExchange5 | ||
SourceCurrency | 1..1 | OBReadTransaction4/Data/Transaction/CurrencyExchange/SourceCurrency | Currency from which an amount is to be converted in a currency conversion. | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
TargetCurrency | 0..1 | OBReadTransaction4/Data/Transaction/CurrencyExchange/TargetCurrency | Currency into which an amount is to be converted in a currency conversion. | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
UnitCurrency | 0..1 | OBReadTransaction4/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. | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
ExchangeRate | 1..1 | OBReadTransaction4/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. Usage: ExchangeRate expresses the ratio between UnitCurrency and QuotedCurrency (ExchangeRate = UnitCurrency/QuotedCurrency). | BaseOneRate | ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
|
| |
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
|
| |
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
|
| |
MerchantDetails | 0..1 | OBReadTransaction4/Data/Transaction/MerchantDetails | Details of the merchant involved in the transaction. | OBMerchantDetails1 | ||
MerchantName | 0..1 | OBReadTransaction4/Data/Transaction/MerchantDetails/MerchantName | Name by which the merchant is known. | Max350Text | ||
MerchantCategoryCode | 0..1 | OBReadTransaction4/Data/Transaction/MerchantDetails/MerchantCategoryCode | Category code conform to ISO 18245, related to the type of services or goods the merchant provides for the transaction. | Min3Max4Text | ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
|
| |
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
Direct Debits - Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
OBReadDirectDebit1 | OBReadDirectDebit1 | OBReadDirectDebit1 | ||||
Data | 1..1 | OBReadDirectDebit1/Data | OBReadDataDirectDebit1 | |||
DirectDebit | 0..n | OBReadDirectDebit1/Data/DirectDebit | Account to or from which a cash entry is made. | OBDirectDebit1 | ||
AccountId | 1..1 | OBReadDirectDebit1/Data/DirectDebit/AccountId | A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner. | Max40Text | ||
DirectDebitId | 0..1 | 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. | Max40Text | ||
MandateIdentification | 1..1 | 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. | Max35Text | ||
|
|
|
|
|
| |
Name | 1..1 | OBReadDirectDebit1/Data/DirectDebit/Name | Name of Service User. | Max70Text | ||
|
|
|
|
| ||
|
|
|
|
| ||
Amount | 1..1 | OBReadDirectDebit1/Data/DirectDebit/PreviousPaymentAmount/Amount | A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217. | OBActiveCurrencyAndAmount_SimpleType | ^\d{1,13}\.\d{1,5}$ | |
Currency | 1..1 | OBReadDirectDebit1/Data/DirectDebit/PreviousPaymentAmount/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". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ |
Standing Orders - Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
OBReadStandingOrder4 | OBReadStandingOrder4 | OBReadStandingOrder4 | ||||
Data | 1..1 | OBReadStandingOrder4/Data | OBReadDataStandingOrder4 | |||
StandingOrder | 0..n | OBReadStandingOrder4/Data/StandingOrder | OBStandingOrder4 | |||
AccountId | 1..1 | OBReadStandingOrder4/Data/StandingOrder/AccountId | A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner. | Max40Text | ||
StandingOrderId | 0..1 | OBReadStandingOrder4/Data/StandingOrder/StandingOrderId | A unique and immutable identifier used to identify the standing order resource. This identifier has no meaning to the account owner. | Max40Text | ||
Frequency | 1..1 | OBReadStandingOrder4/Data/StandingOrder/Frequency | Individual Definitions:
IntrvlWkDay - An interval specified in weeks
IntrvlMnthDay - An interval specified in months
Individual Patterns:
WkInMnthDay:WeekInMonth:DayInWeek (ScheduleCode + WeekInMonth + DayInWeek) IntrvlMnthDay:IntervalInMonths:DayInMonth (ScheduleCode + IntervalInMonths + DayInMonth)
The regular expression for this element combines five smaller versions for each permitted pattern. To aid legibility - the components are presented individually here:
IntrvlWkDay:0[1-9]:0[1-7]
WkInMnthDay:0[1-2]:0[1-7]
IntrvlMnthDay:(0[1-3]|06|12):(-0[1-5]|0[1-9]|[12][0-9]|3[01])
Full Regular Expression:
^(IntrvlWkDay:0[1-2]:0[1-7])$|^(IntrvlMnthDay:(0[1-3]|06|12):(-01|0[1-9]|[12][0-9]|3[01]))$ | Max35Text |
^(IntrvlWkDay:0[1-2]:0[1-7])$|^(IntrvlMnthDay:(0[1-3]|06|12):(-01|0[1-9]|[12][0-9]|3[01]))$ | |
Reference | 0..1 | OBReadStandingOrder4/Data/StandingOrder/Reference | 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. | Max35Text | ||
FirstPaymentDateTime | 0..1 | OBReadStandingOrder4/Data/StandingOrder/FirstPaymentDateTime | The date on which the first payment for a Standing Order schedule will be made. | ISODateTime | ||
NextPaymentDateTime | 0..1 | OBReadStandingOrder4/Data/StandingOrder/NextPaymentDateTime | The date on which the next payment for a Standing Order schedule will be made. | ISODateTime | ||
FinalPaymentDateTime | 0..1 | OBReadStandingOrder4/Data/StandingOrder/FinalPaymentDateTime | The date on which the final payment for a Standing Order schedule will be made. | ISODateTime | ||
StandingOrderStatusCode | 0..1 | OBReadStandingOrder4/Data/StandingOrder/StandingOrderStatusCode | Specifies the status of the standing order in code form. | OBExternalStandingOrderStatus1Code | Active Inactive | |
FirstPaymentAmount | 0..1 | OBReadStandingOrder4/Data/StandingOrder/FirstPaymentAmount | The amount of the first Standing Order | OBActiveOrHistoricCurrencyAndAmount | ||
Amount | 1..1 | OBReadStandingOrder4/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. | OBActiveCurrencyAndAmount_SimpleType | ^\d{1,13}\.\d{1,5}$ | |
Currency | 1..1 | OBReadStandingOrder4/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". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
NextPaymentAmount | 0..1 | OBReadStandingOrder4/Data/StandingOrder/NextPaymentAmount | The amount of the next Standing Order. | OBActiveOrHistoricCurrencyAndAmount | ||
Amount | 1..1 | OBReadStandingOrder4/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. | OBActiveCurrencyAndAmount_SimpleType | ^\d{1,13}\.\d{1,5}$ | |
Currency | 1..1 | OBReadStandingOrder4/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". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
FinalPaymentAmount | 0..1 | OBReadStandingOrder4/Data/StandingOrder/FinalPaymentAmount | The amount of the final Standing Order | OBActiveOrHistoricCurrencyAndAmount | ||
Amount | 1..1 | OBReadStandingOrder4/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. | OBActiveCurrencyAndAmount_SimpleType | ^\d{1,13}\.\d{1,5}$ | |
Currency | 1..1 | OBReadStandingOrder4/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". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
CreditorAccount | 0..1 | OBReadStandingOrder4/Data/StandingOrder/CreditorAccount | Provides the details to identify the beneficiary account. | OBCashAccount5 | ||
SchemeName | 1..1 | OBReadStandingOrder4/Data/StandingOrder/CreditorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | ||
Identification | 1..1 | OBReadStandingOrder4/Data/StandingOrder/CreditorAccount/Identification | Beneficiary account identification. | Max256Text | ||
Name | 0..1 | OBReadStandingOrder4/Data/StandingOrder/CreditorAccount/Name | Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. | Max70Text | ||
|
|
|
|
| ||
|
|
|
|
|
Payment Initiation API
| Swagger version | 3.1 |
|---|---|
| Base URI | |
| General variances to specification | File Payments APIs are not implemented, but Coutts plans to support these as of November 17th 2019 |
| Non-functional limitations | Global as well as individual TPP rate limiting will be applied for API calls in production and in sandbox. |
List of endpoints
| Resource | Endpoint | Available (Y/N) | Mandatory? | |
|---|---|---|---|---|
| 1 | domestic-payment-consents | POST /domestic-payment-consents | Y | Mandatory |
| 2 | domestic-payment-consents | GET /domestic-payment-consents/{ConsentId} | Y | Mandatory |
| 3 | domestic-payment-consents | GET /domestic-payment-consents/{ConsentId}/funds-confirmation | Y | Mandatory |
| 4 | domestic-payments | POST /domestic-payments | Y | Mandatory |
| 5 | domestic-payments | GET /domestic-payments/{DomesticPaymentId} | Y | Mandatory |
| 6 | domestic-scheduled-payment-consents | POST /domestic-scheduled-payment-consents | Y | Conditional |
| 7 | domestic-scheduled-payment-consents | GET /domestic-scheduled-payment-consents/{ConsentId} | Y | Mandatory (if resource POST implemented) |
| 8 | domestic-scheduled-payments | POST /domestic-scheduled-payments | Y | Conditional |
| 9 | domestic-scheduled-payments | GET /domestic-scheduled-payments/{DomesticScheduledPaymentId} | Y | Mandatory (if resource POST implemented) |
| 10 | domestic-standing-order-consents | POST /domestic-standing-order-consents | Y | Conditional |
| 11 | domestic-standing-order-consents | GET /domestic-standing-order-consents/{ConsentId} | Y | Mandatory (if resource POST implemented) |
| 12 | domestic-standing-orders | POST /domestic-standing-orders | Y | Conditional |
| 13 | domestic-standing-orders | GET /domestic-standing-orders/{DomesticStandingOrderId} | Y | Mandatory (if resource POST implemented) |
| 14 | international-payment-consents | POST /international-payment-consents | Y | Conditional |
| 15 | international-payment-consents | GET /international-payment-consents/{ConsentId} | Y | Mandatory (if resource POST implemented) |
| 16 | international-payment-consents | GET /international-payment-consents/{ConsentId}/funds-confirmation | Y | Mandatory (if resource POST implemented) |
| 17 | international-payments | POST /international-payments | Y | Conditional |
| 18 | international-payments | GET /international-payments/{InternationalPaymentId} | Y | Mandatory (if resource POST implemented) |
| 19 | international-scheduled-payment-consents | POST /international-scheduled-payment-consents | Y | Conditional |
| 20 | international-scheduled-payment-consents | GET /international-scheduled-payment-consents/{ConsentId} | Y | Mandatory (if resource POST implemented) |
| 21 | international-scheduled-payment-consents | GET /international-scheduled-payment-consents/{ConsentId}/funds-confirmation | Y | Mandatory (if immediate debit supported) |
| 22 | international-scheduled-payments | POST /international-scheduled-payments | Y | Conditional |
| 23 | international-scheduled-payments | GET /international-scheduled-payments/{InternationalScheduledPaymentId} | Y | Mandatory (if resource POST implemented) |
| 24 | international-standing-order-consents | POST /international-standing-order-consents | Y | Conditional |
| 25 | international-standing-order-consents | GET /international-standing-order-consents/{ConsentId} | Y | Mandatory (if resource POST implemented) |
| 26 | international-standing-orders | POST /international-standing-orders | Y | Conditional |
| 27 | international-standing-orders | GET /international-standing-orders/{InternationalStandingOrderPaymentId} | Y | Mandatory (if resource POST implemented) |
| 28 | file-payment-consents | POST /file-payment-consents | N | Conditional |
| 29 | file-payment-consents | POST /file-payment-consents/{ConsentId}/file | N | Conditional |
| 30 | file-payment-consents | GET /file-payment-consents/{ConsentId} | N | Mandatory (if resource POST implemented) |
| 31 | file-payment-consents | GET /file-payment-consents/{ConsentId}/file | N | Conditional |
| 32 | file-payments | POST /file-payments | N | Conditional |
| 33 | file-payments | GET /file-payments/{FilePaymentId} | N | Mandatory (if resource POST implemented) |
| 34 | file-payments | GET /file-payments/{FilePaymentId}/report-file | N | Conditional |
Fields information
The information struck through are not valid for the current implementation, see the red text for the implementation differences/details.
Domestic Payment Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
OBDomestic2 | OBDomestic2 | 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 domestic payment. | OBDomestic2 | |||
InstructionIdentification | 1..1 | OBDomestic2/InstructionIdentification | 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. | Max35Text | ||
EndToEndIdentification | 1..1 | OBDomestic2/EndToEndIdentification | 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. | Max35Text | ||
LocalInstrument | 0..1 | OBDomestic2/LocalInstrument | 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. | OBExternalLocalInstrument1Code | ||
InstructedAmount | 1..1 | OBDomestic2/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. Usage: This amount has to be transported unchanged through the transaction chain. | OBActiveOrHistoricCurrencyAndAmount | ||
Amount | 1..1 | OBDomestic2/InstructedAmount/Amount | A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217. Only up to two decimal places are supported. | OBActiveCurrencyAndAmount_SimpleType |
^\d{1,13}\.\d{1,2}$ | |
Currency | 1..1 | OBDomestic2/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". Only GBP is supported. | ActiveOrHistoricCurrencyCode |
GBP | |
DebtorAccount | 0..1 | OBDomestic2/DebtorAccount | Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. | OBCashAccountDebtor4 | ||
SchemeName | 1..1 | OBDomestic2/DebtorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | SortCodeAccountNumber UK.OBIE.SortCodeAccountNumber IBAN UK.OBIE.IBAN | |
Identification | 1..1 | OBDomestic2/DebtorAccount/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 0..1 | OBDomestic2/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. Note, the account name is not the product name or the nickname of the account. | Max70Text | ||
|
|
|
|
| ||
CreditorAccount | 1..1 | OBDomestic2/CreditorAccount | Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. | OBCashAccountCreditor3 | ||
SchemeName | 1..1 | OBDomestic2/CreditorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | SortCodeAccountNumber (UK only) UK.OBIE.SortCodeAccountNumber (UK only) IBAN UK.OBIE.IBAN | |
Identification | 1..1 | OBDomestic2/CreditorAccount/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 1..1 | OBDomestic2/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. Note, the account name is not the product name or the nickname of the account. OB: ASPSPs may carry out name validation for Confirmation of Payee, but it is not mandatory. | Max70Text | ||
|
|
|
|
| ||
CreditorPostalAddress | 0..1 | OBDomestic2/CreditorPostalAddress | Information that locates and identifies a specific address, as defined by postal services. | OBPostalAddress6 | ||
AddressType | 0..1 | OBDomestic2/CreditorPostalAddress/AddressType | Identifies the nature of the postal address. | OBAddressTypeCode | Business Correspondence DeliveryTo MailTo POBox Postal Residential Statement | |
Department | 0..1 | OBDomestic2/CreditorPostalAddress/Department | Identification of a division of a large organisation or building. | Max70Text | ||
SubDepartment | 0..1 | OBDomestic2/CreditorPostalAddress/SubDepartment | Identification of a sub-division of a large organisation or building. | Max70Text | ||
StreetName | 0..1 | OBDomestic2/CreditorPostalAddress/StreetName | Name of a street or thoroughfare. | Max70Text | ||
BuildingNumber | 0..1 | OBDomestic2/CreditorPostalAddress/BuildingNumber | Number that identifies the position of a building on a street. | Max16Text | ||
PostCode | 0..1 | OBDomestic2/CreditorPostalAddress/PostCode | Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. | Max16Text | ||
TownName | 0..1 | OBDomestic2/CreditorPostalAddress/TownName | Name of a built-up area, with defined boundaries, and a local government. | Max35Text | ||
CountrySubDivision | 0..1 | OBDomestic2/CreditorPostalAddress/CountrySubDivision | Identifies a subdivision of a country such as state, region, county. | Max35Text | ||
Country | 0..1 | OBDomestic2/CreditorPostalAddress/Country | Nation with its own government. | CountryCode | ^[A-Z]{2,2}$ | |
AddressLine | 0..7 | OBDomestic2/CreditorPostalAddress/AddressLine | Information that locates and identifies a specific address, as defined by postal services, presented in free format text. | Max70Text | ||
RemittanceInformation | 0..1 | OBDomestic2/RemittanceInformation | 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. | OBRemittanceInformation1 | ||
Unstructured | 0..1 | OBDomestic2/RemittanceInformation/Unstructured | 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. | Max140Text | ||
Reference | 0..1 | OBDomestic2/RemittanceInformation/Reference | 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 accept 18 characters for the ReferenceInformation field - which is where this ISO field will be mapped. | Max35Text | ||
|
|
|
|
|
Domestic Scheduled Payment Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
OBDomesticScheduled2 | OBDomesticScheduled2 | 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 scheduled domestic payment. | OBDomesticScheduled2 | |||
InstructionIdentification | 1..1 | OBDomesticScheduled2/InstructionIdentification | 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. | Max35Text | ||
EndToEndIdentification | 0..1 | OBDomesticScheduled2/EndToEndIdentification | 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. | Max35Text | ||
LocalInstrument | 0..1 | OBDomesticScheduled2/LocalInstrument | 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. | OBExternalLocalInstrument1Code | ||
RequestedExecutionDateTime | 1..1 | OBDomesticScheduled2/RequestedExecutionDateTime | Date at which the initiating party requests the clearing agent to process the payment. Usage: This is the date on which the debtor's account is to be debited. | ISODateTime | ||
InstructedAmount | 1..1 | OBDomesticScheduled2/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. Usage: This amount has to be transported unchanged through the transaction chain. | OBActiveOrHistoricCurrencyAndAmount | ||
Amount | 1..1 | OBDomesticScheduled2/InstructedAmount/Amount | A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217. Only up to two decimal places are supported. | OBActiveCurrencyAndAmount_SimpleType |
^\d{1,13}\.\d{1,2}$ | |
Currency | 1..1 | OBDomesticScheduled2/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". Only GBP is supported. | ActiveOrHistoricCurrencyCode |
GBP | |
DebtorAccount | 0..1 | OBDomesticScheduled2/DebtorAccount | Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. | OBCashAccountDebtor4 | ||
SchemeName | 1..1 | OBDomesticScheduled2/DebtorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | SortCodeAccountNumber UK.OBIE.SortCodeAccountNumber IBAN UK.OBIE.IBAN | |
Identification | 1..1 | OBDomesticScheduled2/DebtorAccount/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 0..1 | OBDomesticScheduled2/DebtorAccount/Name | Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. | Max70Text | ||
|
|
|
|
| ||
CreditorAccount | 1..1 | OBDomesticScheduled2/CreditorAccount | Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. | OBCashAccountCreditor3 | ||
SchemeName | 1..1 | OBDomesticScheduled2/CreditorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | SortCodeAccountNumber (UK only) UK.OBIE.SortCodeAccountNumber (UK only) IBAN UK.OBIE.IBAN | |
Identification | 1..1 | OBDomesticScheduled2/CreditorAccount/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 1..1 | OBDomesticScheduled2/CreditorAccount/Name | Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. OB: ASPSPs may carry out name validation for Confirmation of Payee, but it is not mandatory. | Max70Text | ||
|
|
|
|
| ||
CreditorPostalAddress | 0..1 | OBDomesticScheduled2/CreditorPostalAddress | Information that locates and identifies a specific address, as defined by postal services. | OBPostalAddress6 | ||
AddressType | 0..1 | OBDomesticScheduled2/CreditorPostalAddress/AddressType | Identifies the nature of the postal address. | OBAddressTypeCode | Business Correspondence DeliveryTo MailTo POBox Postal Residential Statement | |
Department | 0..1 | OBDomesticScheduled2/CreditorPostalAddress/Department | Identification of a division of a large organisation or building. | Max70Text | ||
SubDepartment | 0..1 | OBDomesticScheduled2/CreditorPostalAddress/SubDepartment | Identification of a sub-division of a large organisation or building. | Max70Text | ||
StreetName | 0..1 | OBDomesticScheduled2/CreditorPostalAddress/StreetName | Name of a street or thoroughfare. | Max70Text | ||
BuildingNumber | 0..1 | OBDomesticScheduled2/CreditorPostalAddress/BuildingNumber | Number that identifies the position of a building on a street. | Max16Text | ||
PostCode | 0..1 | OBDomesticScheduled2/CreditorPostalAddress/PostCode | Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. | Max16Text | ||
TownName | 0..1 | OBDomesticScheduled2/CreditorPostalAddress/TownName | Name of a built-up area, with defined boundaries, and a local government. | Max35Text | ||
CountrySubDivision | 0..1 | OBDomesticScheduled2/CreditorPostalAddress/CountrySubDivision | Identifies a subdivision of a country such as state, region, county. | Max35Text | ||
Country | 0..1 | OBDomesticScheduled2/CreditorPostalAddress/Country | Nation with its own government. | CountryCode | ^[A-Z]{2,2}$ | |
AddressLine | 0..7 | OBDomesticScheduled2/CreditorPostalAddress/AddressLine | Information that locates and identifies a specific address, as defined by postal services, presented in free format text. | Max70Text | ||
RemittanceInformation | 0..1 | OBDomesticScheduled2/RemittanceInformation | 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. | OBRemittanceInformation1 | ||
Unstructured | 0..1 | OBDomesticScheduled2/RemittanceInformation/Unstructured | 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. | Max140Text | ||
Reference | 0..1 | OBDomesticScheduled2/RemittanceInformation/Reference | 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 accept 18 characters for the ReferenceInformation field - which is where this ISO field will be mapped. | Max35Text | ||
|
|
|
|
|
Domestic Standing Orders Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
OBDomesticStandingOrder2 | OBDomesticStandingOrder2 | 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 domestic standing order. | OBDomesticStandingOrder2 | |||
Frequency | 1..1 | OBDomesticStandingOrder2/Frequency | Individual Definitions:
IntrvlWkDay - An interval specified in weeks
IntrvlMnthDay - An interval specified in months
Individual Patterns:
WkInMnthDay:WeekInMonth:DayInWeek (ScheduleCode + WeekInMonth + DayInWeek) IntrvlMnthDay:IntervalInMonths:DayInMonth (ScheduleCode + IntervalInMonths + DayInMonth)
The regular expression for this element combines five smaller versions for each permitted pattern. To aid legibility - the components are presented individually here:
IntrvlWkDay:0[1-9]:0[1-7]
WkInMnthDay:0[1-2]:0[1-7]
IntrvlMnthDay:(0[1-3]|06|12):(-0[1-5]|0[1-9]|[12][0-9]|3[01])
Full Regular Expression:
^(IntrvlWkDay:0[1-2]:0[1-7])$|^(IntrvlMnthDay:(0[1-3]|06|12):(-01|0[1-9]|[12][0-9]|3[01]))$ | Max35Text |
^(IntrvlWkDay:0[1-2]:0[1-7])$|^(IntrvlMnthDay:(0[1-3]|06|12):(-01|0[1-9]|[12][0-9]|3[01]))$ | |
Reference | 0..1 | OBDomesticStandingOrder2/Reference | 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. | Max35Text | ||
NumberOfPayments | 0..1 | OBDomesticStandingOrder2/NumberOfPayments | Number of the payments that will be made in completing this frequency sequence including any executed since the sequence start date. Must be between 1 and 50. | Max35Text | ||
FirstPaymentDateTime | 1..1 | OBDomesticStandingOrder2/FirstPaymentDateTime | The date on which the first payment for a Standing Order schedule will be made. Can be up to one year in the future. If a specific time is given, it will be ignored. If the FirstPaymentDateTime doesn't match the given frequency, the FirstPaymentDateTime will be set to the next matching one. Example: "FirstPaymentDateTime": "2020-11-15T14:00:00+00:00" "Frequency": "IntrvlMnthDay:01:29" The first payment date will be the 29th of November. | ISODateTime | ||
|
|
|
|
| ||
FinalPaymentDateTime | 0..1 | OBDomesticStandingOrder2/FinalPaymentDateTime | The date on which the final payment for a Standing Order schedule will be made. If a specific time is given, it will be ignored, only the date is considered. Cannot be more than one year in the future. | ISODateTime | ||
FirstPaymentAmount | 1..1 | OBDomesticStandingOrder2/FirstPaymentAmount | The amount of the first Standing Order | OBActiveOrHistoricCurrencyAndAmount | ||
Amount | 1..1 | OBDomesticStandingOrder2/FirstPaymentAmount/Amount | A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217. Only up to two decimal places are supported. | OBActiveCurrencyAndAmount_SimpleType |
^\d{1,13}\.\d{1,2}$ | |
Currency | 1..1 | OBDomesticStandingOrder2/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". Only GBP is supported. | ActiveOrHistoricCurrencyCode |
GBP | |
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
|
| |
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
|
| |
DebtorAccount | 0..1 | OBDomesticStandingOrder2/DebtorAccount | Provides the details to identify the debtor account. | OBCashAccountDebtor4 | ||
SchemeName | 1..1 | OBDomesticStandingOrder2/DebtorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | SortCodeAccountNumber UK.OBIE.SortCodeAccountNumber IBAN UK.OBIE.IBAN | |
Identification | 1..1 | OBDomesticStandingOrder2/DebtorAccount/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 0..1 | OBDomesticStandingOrder2/DebtorAccount/Name | Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. | Max70Text | ||
|
|
|
|
| ||
CreditorAccount | 1..1 | OBDomesticStandingOrder2/CreditorAccount | Identification assigned by an institution to identify an account. This identification is known by the account owner. | OBBranchAndFinancialInstitutionIdentification6 | ||
SchemeName | 1..1 | OBDomesticStandingOrder2/CreditorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalFinancialInstitutionIdentification4Code | SortCodeAccountNumber (UK only) UK.OBIE.SortCodeAccountNumber (UK only) IBAN UK.OBIE.IBAN | |
Identification | 1..1 | OBDomesticStandingOrder2/CreditorAccount/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 1..1 | OBDomesticStandingOrder2/CreditorAccount/Name | Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. OB: ASPSPs may carry out name validation for Confirmation of Payee, but it is not mandatory. | Max70Text | ||
|
|
|
|
| ||
|
|
|
|
|
International Payment Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
OBInternational2 | OBInternational2 | 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. | OBInternational2 | |||
InstructionIdentification | 1..1 | OBInternational2/InstructionIdentification | 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. | Max35Text | ||
EndToEndIdentification | 1..1 | OBInternational2/EndToEndIdentification | 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. | Max35Text | ||
LocalInstrument | 0..1 | OBInternational2/LocalInstrument | 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. | OBExternalLocalInstrument1Code | ||
InstructionPriority | 0..1 | OBInternational2/InstructionPriority | Indicator of the urgency or order of importance that the instructing party would like the instructed party to apply to the processing of the instruction. | OBPriority2Code | Normal Urgent | |
Purpose | 0..1 | OBInternational2/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. | OBExternalPurpose1Code1 | ||
ChargeBearer | 0..1 | OBInternational2/ChargeBearer | Specifies which party/parties will bear the charges associated with the processing of the payment transaction. | OBChargeBearerType1Code | BorneByCreditor BorneByDebtor FollowingServiceLevel Shared | |
CurrencyOfTransfer | 1..1 | OBInternational2/CurrencyOfTransfer | Specifies the currency of the to be transferred amount, which is different from the currency of the debtor's account. | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
InstructedAmount | 1..1 | OBInternational2/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. Usage: This amount has to be transported unchanged through the transaction chain. | OBActiveOrHistoricCurrencyAndAmount | ||
Amount | 1..1 | OBInternational2/InstructedAmount/Amount | A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217. Only up to two decimal places are supported. | OBActiveCurrencyAndAmount_SimpleType |
^\d{1,13}\.\d{1,2}$ | |
Currency | 1..1 | OBInternational2/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". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
ExchangeRateInformation | 0..1 | OBInternational2/ExchangeRateInformation | Provides details on the currency exchange rate and contract. | OBExchangeRate1 | ||
UnitCurrency | 1..1 | OBInternational2/ExchangeRateInformation/UnitCurrency | Currency in which the rate of exchange is expressed in a currency exchange. In the example 1GBP = xxxCUR, the unit currency is GBP. | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
ExchangeRate | 0..1 | OBInternational2/ExchangeRateInformation/ExchangeRate | 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. | BaseOneRate | ||
RateType | 1..1 | OBInternational2/ExchangeRateInformation/RateType | Specifies the type used to complete the currency exchange. | OBExchangeRateType2Code |
Indicative | |
ContractIdentification | 0..1 | OBInternational2/ExchangeRateInformation/ContractIdentification | Unique and unambiguous reference to the foreign exchange contract agreed between the initiating party/creditor and the debtor agent. | Max256Text | ||
DebtorAccount | 0..1 | OBInternational2/DebtorAccount | Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. | OBCashAccountDebtor4 | ||
SchemeName | 1..1 | OBInternational2/DebtorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | SortCodeAccountNumber UK.OBIE.SortCodeAccountNumber IBAN UK.OBIE.IBAN | |
Identification | 1..1 | OBInternational2/DebtorAccount/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 0..1 | OBInternational2/DebtorAccount/Name | Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. | Max70Text | ||
SecondaryIdentification | 0..1 | OBInternational2/DebtorAccount/SecondaryIdentification | This is secondary identification of the account, as assigned by the account servicing institution. This can be used by building societies to additionally identify accounts with a roll number (in addition to a sort code and account number combination). | Max34Text | ||
Creditor | 0..1 | OBInternational2/Creditor | Party to which an amount of money is due. | OBPartyIdentification43 | ||
Name | 0..1 | OBInternational2/Creditor/Name | Name by which a party is known and which is usually used to identify that party. | Max140Text | ||
PostalAddress | 0..1 | OBInternational2/Creditor/PostalAddress | Information that locates and identifies a specific address, as defined by postal services. | OBPostalAddress6 | ||
AddressType | 0..1 | OBInternational2/Creditor/PostalAddress/AddressType | Identifies the nature of the postal address. | OBAddressTypeCode | Business Correspondence DeliveryTo MailTo POBox Postal Residential Statement | |
Department | 0..1 | OBInternational2/Creditor/PostalAddress/Department | Identification of a division of a large organisation or building. | Max70Text | ||
SubDepartment | 0..1 | OBInternational2/Creditor/PostalAddress/SubDepartment | Identification of a sub-division of a large organisation or building. | Max70Text | ||
StreetName | 0..1 | OBInternational2/Creditor/PostalAddress/StreetName | Name of a street or thoroughfare. | Max70Text | ||
BuildingNumber | 0..1 | OBInternational2/Creditor/PostalAddress/BuildingNumber | Number that identifies the position of a building on a street. | Max16Text | ||
PostCode | 0..1 | OBInternational2/Creditor/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. | Max16Text | ||
TownName | 0..1 | OBInternational2/Creditor/PostalAddress/TownName | Name of a built-up area, with defined boundaries, and a local government. | Max35Text | ||
CountrySubDivision | 0..1 | OBInternational2/Creditor/PostalAddress/CountrySubDivision | Identifies a subdivision of a country such as state, region, county. | Max35Text | ||
Country | 0..1 | OBInternational2/Creditor/PostalAddress/Country | Nation with its own government. | CountryCode | ^[A-Z]{2,2}$ | |
AddressLine | 0..7 | OBInternational2/Creditor/PostalAddress/AddressLine | Information that locates and identifies a specific address, as defined by postal services, presented in free format text. | Max70Text | ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
| ||
CreditorAccount | 1..1 | OBInternational2/CreditorAccount | Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. | OBCashAccountCreditor3 | ||
SchemeName | 1..1 | OBInternational2/CreditorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | SortCodeAccountNumber (UK only) UK.OBIE.SortCodeAccountNumber (UK only) IBAN UK.OBIE.IBAN | |
Identification | 1..1 | OBInternational2/CreditorAccount/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 1..1 | OBInternational2/CreditorAccount/Name | Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. OB: ASPSPs may carry out name validation for Confirmation of Payee, but it is not mandatory. | Max70Text | ||
|
|
|
|
| ||
RemittanceInformation | 0..1 | OBInternational2/RemittanceInformation | 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. | OBRemittanceInformation1 | ||
Unstructured | 0..1 | OBInternational2/RemittanceInformation/Unstructured | 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. | Max140Text | ||
Reference | 0..1 | OBInternational2/RemittanceInformation/Reference | 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 accept 18 characters for the ReferenceInformation field - which is where this ISO field will be mapped. | Max35Text | ||
|
|
|
|
|
International Scheduled Payment Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
OBInternationalScheduled2 | OBInternationalScheduled2 | 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 scheduled international payment. | OBInternationalScheduled2 | |||
InstructionIdentification | 1..1 | OBInternationalScheduled2/InstructionIdentification | 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. | Max35Text | ||
EndToEndIdentification | 0..1 | OBInternationalScheduled2/EndToEndIdentification | 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. | Max35Text | ||
LocalInstrument | 0..1 | OBInternationalScheduled2/LocalInstrument | 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. | OBExternalLocalInstrument1Code | ||
InstructionPriority | 0..1 | OBInternationalScheduled2/InstructionPriority | Indicator of the urgency or order of importance that the instructing party would like the instructed party to apply to the processing of the instruction. | OBPriority2Code | Normal Urgent | |
Purpose | 0..1 | OBInternationalScheduled2/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. | OBExternalPurpose1Code1 | ||
ChargeBearer | 0..1 | OBInternationalScheduled2/ChargeBearer | Specifies which party/parties will bear the charges associated with the processing of the payment transaction. | OBChargeBearerType1Code | BorneByCreditor BorneByDebtor FollowingServiceLevel Shared | |
RequestedExecutionDateTime | 1..1 | OBInternationalScheduled2/RequestedExecutionDateTime | Date at which the initiating party requests the clearing agent to process the payment. Usage: This is the date on which the debtor's account is to be debited. | ISODateTime | ||
CurrencyOfTransfer | 1..1 | OBInternationalScheduled2/CurrencyOfTransfer | Specifies the currency of the to be transferred amount, which is different from the currency of the debtor's account. | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
InstructedAmount | 1..1 | OBInternationalScheduled2/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. Usage: This amount has to be transported unchanged through the transaction chain. | OBActiveOrHistoricCurrencyAndAmount | ||
Amount | 1..1 | OBInternationalScheduled2/InstructedAmount/Amount | A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217. Only up to two decimal places are supported. | OBActiveCurrencyAndAmount_SimpleType |
^\d{1,13}\.\d{1,2}$ | |
Currency | 1..1 | OBInternationalScheduled2/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". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
ExchangeRateInformation | 0..1 | OBInternationalScheduled2/ExchangeRateInformation | Provides details on the currency exchange rate and contract. | OBExchangeRate1 | ||
UnitCurrency | 1..1 | OBInternationalScheduled2/ExchangeRateInformation/UnitCurrency | Currency in which the rate of exchange is expressed in a currency exchange. In the example 1GBP = xxxCUR, the unit currency is GBP. | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
ExchangeRate | 0..1 | OBInternationalScheduled2/ExchangeRateInformation/ExchangeRate | 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. | BaseOneRate | ||
RateType | 1..1 | OBInternationalScheduled2/ExchangeRateInformation/RateType | Specifies the type used to complete the currency exchange. | OBExchangeRateType2Code |
Indicative | |
ContractIdentification | 0..1 | OBInternationalScheduled2/ExchangeRateInformation/ContractIdentification | Unique and unambiguous reference to the foreign exchange contract agreed between the initiating party/creditor and the debtor agent. | Max256Text | ||
DebtorAccount | 0..1 | OBInternationalScheduled2/DebtorAccount | Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. | OBCashAccountDebtor4 | ||
SchemeName | 1..1 | OBInternationalScheduled2/DebtorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | SortCodeAccountNumber UK.OBIE.SortCodeAccountNumber IBAN UK.OBIE.IBAN | |
Identification | 1..1 | OBInternationalScheduled2/DebtorAccount/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 0..1 | OBInternationalScheduled2/DebtorAccount/Name | Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. | Max70Text | ||
|
|
|
|
| ||
Creditor | 0..1 | OBInternationalScheduled2/Creditor | Party to which an amount of money is due. | OBPartyIdentification43 | ||
Name | 0..1 | OBInternationalScheduled2/Creditor/Name | Name by which a party is known and which is usually used to identify that party. | Max140Text | ||
PostalAddress | 0..1 | OBInternationalScheduled2/Creditor/PostalAddress | Information that locates and identifies a specific address, as defined by postal services. | OBPostalAddress6 | ||
AddressType | 0..1 | OBInternationalScheduled2/Creditor/PostalAddress/AddressType | Identifies the nature of the postal address. | OBAddressTypeCode | Business Correspondence DeliveryTo MailTo POBox Postal Residential Statement | |
Department | 0..1 | OBInternationalScheduled2/Creditor/PostalAddress/Department | Identification of a division of a large organisation or building. | Max70Text | ||
SubDepartment | 0..1 | OBInternationalScheduled2/Creditor/PostalAddress/SubDepartment | Identification of a sub-division of a large organisation or building. | Max70Text | ||
StreetName | 0..1 | OBInternationalScheduled2/Creditor/PostalAddress/StreetName | Name of a street or thoroughfare. | Max70Text | ||
BuildingNumber | 0..1 | OBInternationalScheduled2/Creditor/PostalAddress/BuildingNumber | Number that identifies the position of a building on a street. | Max16Text | ||
PostCode | 0..1 | OBInternationalScheduled2/Creditor/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. | Max16Text | ||
TownName | 0..1 | OBInternationalScheduled2/Creditor/PostalAddress/TownName | Name of a built-up area, with defined boundaries, and a local government. | Max35Text | ||
CountrySubDivision | 0..1 | OBInternationalScheduled2/Creditor/PostalAddress/CountrySubDivision | Identifies a subdivision of a country such as state, region, county. | Max35Text | ||
Country | 0..1 | OBInternationalScheduled2/Creditor/PostalAddress/Country | Nation with its own government. | CountryCode | ^[A-Z]{2,2}$ | |
AddressLine | 0..7 | OBInternationalScheduled2/Creditor/PostalAddress/AddressLine | Information that locates and identifies a specific address, as defined by postal services, presented in free format text. | Max70Text | ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
| ||
CreditorAccount | 1..1 | OBInternationalScheduled2/CreditorAccount | Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. | OBCashAccountCreditor3 | ||
SchemeName | 1..1 | OBInternationalScheduled2/CreditorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | ||
Identification | 1..1 | OBInternationalScheduled2/CreditorAccount/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 1..1 | OBInternationalScheduled2/CreditorAccount/Name | Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. OB: ASPSPs may carry out name validation for Confirmation of Payee, but it is not mandatory. | Max70Text | ||
|
|
|
|
| ||
RemittanceInformation | 0..1 | OBInternationalScheduled2/RemittanceInformation | 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. | OBRemittanceInformation1 | ||
Unstructured | 0..1 | OBInternationalScheduled2/RemittanceInformation/Unstructured | 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. | Max140Text | ||
Reference | 0..1 | OBInternationalScheduled2/RemittanceInformation/Reference | 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 accept 18 characters for the ReferenceInformation field - which is where this ISO field will be mapped. | Max35Text | ||
|
|
|
|
|
International Standing Orders Data Dictionary
Name | Occurrence | XPath | EnhancedDefinition | Class | Codes | Pattern |
|---|---|---|---|---|---|---|
Frequency | 1..1 | OBInternationalStandingOrder2/Frequency | Individual Definitions:
IntrvlWkDay - An interval specified in weeks
IntrvlMnthDay - An interval specified in months
Individual Patterns:
WkInMnthDay:WeekInMonth:DayInWeek (ScheduleCode + WeekInMonth + DayInWeek) IntrvlMnthDay:IntervalInMonths:DayInMonth (ScheduleCode + IntervalInMonths + DayInMonth)
The regular expression for this element combines five smaller versions for each permitted pattern. To aid legibility - the components are presented individually here:
IntrvlWkDay:0[1-9]:0[1-7]
WkInMnthDay:0[1-2]:0[1-7]
IntrvlMnthDay:(0[1-3]|06|12):(-0[1-5]|0[1-9]|[12][0-9]|3[01])
Full Regular Expression:
^(IntrvlWkDay:0[1-2]:0[1-7])$|^(IntrvlMnthDay:(0[1-3]|06|12):(-01|0[1-9]|[12][0-9]|3[01]))$ | Max35Text |
^(IntrvlWkDay:0[1-2]:0[1-7])$|^(IntrvlMnthDay:(0[1-3]|06|12):(-01|0[1-9]|[12][0-9]|3[01]))$ | |
Country | 0..1 | OBInternationalStandingOrder2/Creditor/PostalAddress/Country | Nation with its own government. | CountryCode | ^[A-Z]{2,2}$ | |
|
|
|
|
|
| |
CurrencyOfTransfer | 1..1 | OBInternationalStandingOrder2/CurrencyOfTransfer | Specifies the currency of the to be transferred amount, which is different from the currency of the debtor's account. | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
Currency | 1..1 | OBInternationalStandingOrder2/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". | ActiveOrHistoricCurrencyCode | ^[A-Z]{3,3}$ | |
Amount | 1..1 | OBInternationalStandingOrder2/InstructedAmount/Amount | A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217. Only up to two decimal places are supported. | OBActiveCurrencyAndAmount_SimpleType |
^\d{1,13}\.\d{1,2}$ | |
OBInternationalStandingOrder2 | OBInternationalStandingOrder2 | 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 an international standing order. | OBInternationalStandingOrder2 | |||
Reference | 0..1 | OBInternationalStandingOrder2/Reference | 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. | Max35Text | ||
NumberOfPayments | 0..1 | OBInternationalStandingOrder2/NumberOfPayments | Number of the payments that will be made in completing this frequency sequence including any executed since the sequence start date. Must be between 1 and 50. | Max35Text | ||
FirstPaymentDateTime | 1..1 | OBInternationalStandingOrder2/FirstPaymentDateTime | The date on which the first payment for a Standing Order schedule will be made. Can be up to one year in the future. If a specific time is given, it will be ignored. If the FirstPaymentDateTime doesn't match the given frequency, the FirstPaymentDateTime will be set to the next matching one. Example: "FirstPaymentDateTime": "2020-11-15T14:00:00+00:00" "Frequency": "IntrvlMnthDay:01:29" The first payment date will be the 29th of November. | ISODateTime | ||
FinalPaymentDateTime | 0..1 | OBInternationalStandingOrder2/FinalPaymentDateTime | The date on which the final payment for a Standing Order schedule will be made. If a specific time is given, it will be ignored, only the date is considered. Cannot be more than one year in the future. | ISODateTime | ||
|
|
|
|
| ||
|
|
|
|
|
| |
InstructedAmount | 1..1 | OBInternationalStandingOrder2/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. Usage: This amount has to be transported unchanged through the transaction chain. | OBActiveOrHistoricCurrencyAndAmount | ||
DebtorAccount | 0..1 | OBInternationalStandingOrder2/DebtorAccount | Provides the details to identify the debtor account. | OBCashAccountDebtor4 | ||
SchemeName | 1..1 | OBInternationalStandingOrder2/DebtorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | SortCodeAccountNumber UK.OBIE.SortCodeAccountNumber IBAN UK.OBIE.IBAN | |
Identification | 1..1 | OBInternationalStandingOrder2/DebtorAccount/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 0..1 | OBInternationalStandingOrder2/DebtorAccount/Name | Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. | Max70Text | ||
|
|
|
|
| ||
Creditor | 0..1 | OBInternationalStandingOrder2/Creditor | Party to which an amount of money is due. | OBPartyIdentification43 | ||
Name | 0..1 | OBInternationalStandingOrder2/Creditor/Name | Name by which a party is known and which is usually used to identify that party. | Max140Text | ||
PostalAddress | 0..1 | OBInternationalStandingOrder2/Creditor/PostalAddress | Information that locates and identifies a specific address, as defined by postal services. | OBPostalAddress6 | ||
AddressType | 0..1 | OBInternationalStandingOrder2/Creditor/PostalAddress/AddressType | Identifies the nature of the postal address. | OBAddressTypeCode | Business Correspondence DeliveryTo MailTo POBox Postal Residential Statement | |
Department | 0..1 | OBInternationalStandingOrder2/Creditor/PostalAddress/Department | Identification of a division of a large organisation or building. | Max70Text | ||
SubDepartment | 0..1 | OBInternationalStandingOrder2/Creditor/PostalAddress/SubDepartment | Identification of a sub-division of a large organisation or building. | Max70Text | ||
StreetName | 0..1 | OBInternationalStandingOrder2/Creditor/PostalAddress/StreetName | Name of a street or thoroughfare. | Max70Text | ||
BuildingNumber | 0..1 | OBInternationalStandingOrder2/Creditor/PostalAddress/BuildingNumber | Number that identifies the position of a building on a street. | Max16Text | ||
PostCode | 0..1 | OBInternationalStandingOrder2/Creditor/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. | Max16Text | ||
TownName | 0..1 | OBInternationalStandingOrder2/Creditor/PostalAddress/TownName | Name of a built-up area, with defined boundaries, and a local government. | Max35Text | ||
CountrySubDivision | 0..1 | OBInternationalStandingOrder2/Creditor/PostalAddress/CountrySubDivision | Identifies a subdivision of a country such as state, region, county. | Max35Text | ||
AddressLine | 0..7 | OBInternationalStandingOrder2/Creditor/PostalAddress/AddressLine | Information that locates and identifies a specific address, as defined by postal services, presented in free format text. | Max70Text | ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
|
| |
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
|
|
|
|
| ||
CreditorAccount | 1..1 | OBInternationalStandingOrder2/CreditorAccount | Provides the details to identify the beneficiary account. | OBCashAccountCreditor3 | ||
SchemeName | 1..1 | OBInternationalStandingOrder2/CreditorAccount/SchemeName | Name of the identification scheme, in a coded form as published in an external list. | OBExternalAccountIdentification4Code | SortCodeAccountNumber (UK only) UK.OBIE.SortCodeAccountNumber (UK only) IBAN UK.OBIE.IBAN | |
Identification | 1..1 | OBInternationalStandingOrder2/CreditorAccount/Identification | Identification assigned by an institution to identify an account. This identification is known by the account owner. | Max256Text | ||
Name | 1..1 | OBInternationalStandingOrder2/CreditorAccount/Name | Name of the account, as assigned by the account servicing institution. Usage: The account name is the name or names of the account owner(s) represented at an account level. The account name is not the product name or the nickname of the account. OB: ASPSPs may carry out name validation for Confirmation of Payee, but it is not mandatory. | Max70Text | ||
|
|
|
|
| ||
|
|
|
|
|
Confirmation of Funds API
| Swagger version | 3.1 |
|---|---|
| Base URI | |
| General variances to specification | n/a |
| Non-functional limitations | n/a |
| Resource | Endpoint | Available (Y/N) | Mandatory? | |
|---|---|---|---|---|
| 1 | funds-confirmation-consent | POST /funds-confirmation-consents | Y | Mandatory |
| 2 | funds-confirmation-consent | GET /funds-confirmation-consents/{ConsentId} | Y | Mandatory |
| 3 | funds-confirmation-consent | DELETE /funds-confirmation-consents/{ConsentId} | Y | Mandatory |
| 4 | funds-confirmation | POST /funds-confirmations | Y | Mandatory |
Open Data API
| Swagger version | 1.1 |
|---|---|
| Base URI | / |
| General variances to specification | n/a |
| Non-functional limitations | n/a |