Added UK.OBIE.Unsupported.EventType to OBErrorResponseError1Code.
Renamed version to 3.1.2
Overview
The specification defines certain fields with only a fixed set of possible values as enumerations, and further additions to possible values require a Specification change.
As part of Version 3 OBIE Specifications defined new custom Data Types, which are an extendable list of enumerated values. Any extensions to this standard list of values can be done by the ASPSPs, with relevant documentation on their Developer Portals.
The extendable Data Type values are namespaced, to help identify the issuer of the value, and the relevant value.
Basics
These Data Types, in general, are called namespaced enumerations.
Specific API Data Dictionary will define a custom Data Type class, which will help lookup the OBIE defined standard set of namespaced enumerations in this specification page as well as respective swagger files.
The namespaced enumeration values specified by Open Banking are documented here and will be prefixed by UK.OBIE.
Design Principles
When extending a namespaced enumeration:
ASPSPs must notpublish an ASPSP-specific enumerated value where a generic OBIE defined enumerated value may be used.
ASPSPs must place such values in a namespace consisting of their two-letter country code (ISO 3166-1 Alpha-2 code), followed by a full-stop, followed by their name. e.g.
UK.Barclays.PingIt
KE.Safaricom.M-Pesa
Release Management
Usage of non-namespaced values may be discontinued in a future version of this standard.
As a special case and in order to minimise disruption between versions of the standard, a TPPmayspecify previous non-namespaces values, e.g. IBAN instead of UK.OBIE.IBAN.
In ASPSP generated responses, however, an ASPSPmustalways respond with fully namespaced values.
Common Namespaced Enumerations
The following namespaced enumerations are used across all the standards.
OBExternalAccountIdentification4Code
This is Data Type for Account/SchemeName and used to identify the type of Identification used to identify an account.
Code
Description
UK.OBIE.BBAN
Basic Bank Account Number (BBAN) - identifier used nationally by financial institutions, ie, in individual countries, generally as part of a National Account Numbering Scheme(s), to uniquely identify the account of a customer.
UK.OBIE.IBAN
An identifier used internationally by financial institutions to uniquely identify the account of a customer at a financial institution, as described in the latest edition of the international standard ISO 13616. "Banking and related financial services - International Bank Account Number (IBAN)".
UK.OBIE.PAN
Primary Account Number - identifier scheme used to identify a card account.
UK.OBIE.Paym
Paym Scheme to make payments via mobile
UK.OBIE.SortCodeAccountNumber
Sort Code and Account Number - identifier scheme used in the UK by financial institutions to identify the account of a customer. The identifier is the concatenation of the 6 digit UK sort code and 8 digit account number. The regular expression for this identifier is: ^[0-9]{6}[0-9]{8}$
OBExternalFinancialInstitutionIdentification4Code
This is the Data Type for Agent/SchemeName and used to identify the type of Identification used to identify an agent.
Code
Description
UK.OBIE.BICFI
Valid BICs for financial institutions are registered by the ISO 9362 Registration Authority in the BIC directory, and consist of eight (8) or eleven (11) contiguous characters.
OBErrorResponseError1Code
This is Data Type gives a low level textual error code to help categorise an error response. The applicable HTTP response code is also given.
Show
Code
HTTP Status Category
Description
UK.OBIE.Field.Expected
400
For the scenario, when a field-value is not provided in the payload, that is expected in combination with preceding field-value pairs.
The corresponding path must be populated with the path of the unexpected field.
E.g.
ExchangeRate must be specified with Agreed RateType. ExchangeRate should be specified in the path element.
InstructionPriority must be specified with Agreed RateType. InstructionPriority should be specified in the path element.
UK.OBIE.Field.Invalid
400
An invalid value is supplied in one of the fields. Reference of the invalid field should be provided in the path field, and the URL field may have the link to a website explaining the valid behaviour. The error message should describe the problem in detail.
UK.OBIE.Field.InvalidDate
400
An invalid date is supplied e.g. when a future date is expected, a date in past or current date is supplied. The message can specify the actual problem with the date. The reference of the invalid field should be provided in the path field, and URL field may have the link to a website explaining the valid behaviour
UK.OBIE.Field.Missing
400
A mandatory field, required for the API, is missing from the payload. This error code can be used, if it is not already captured under the validation for UK.OBIE.Resource.InvalidFormat.
Reference of the missing field should be provided in the path field, and URL field may have the link to a website explaining the valid behaviour
UK.OBIE.Field.Unexpected
400
For the scenario, when a field-value is provided in the payload, that is not expected in combination with preceding field-value pairs. E.g.
ContractIdentification must not be specified with [Actual/Indicative] RateType. ContractIdentification should be specified in the path element ExchangeRate must not be specified with [Actual/Indicative] RateType. ExchangeRate should be specified in the path element. InstructionPriority must not be specified with LocalInstrument. InstructionPriority should be specified in the path element.
UK.OBIE.Header.Invalid
400
An invalid value is supplied in the HTTP header. The HTTP Header should be specified in the path element.
UK.OBIE.Header.Missing
400
A required HTTP header has not been provided. The HTTP Header should be specified in the path element.
UK.OBIE.Resource.ConsentMismatch
400
{payment-order-consent} and {payment-order} resource mismatch. For example, if an element in the resource’s Initiation or Risk section does not match the consent section.
The path element should be populated with the field of the resource that does not match the consent.
UK.OBIE.Resource.InvalidConsentStatus
400
The resource’s associated consent is not in a status that would allow the resource to be created, or a request to be executed.
E.g., if a consent resource had a status of AwaitingAuthorisation or Rejected, a resource could not be created against this consent.
The path element should be populated with the field in the consent resource that is invalid.
UK.OBIE.Resource.InvalidFormat
400
When the Payload schema does not match to the endpoint, e.g., /domestic-payments endpoint is called with a JSON Payload, which cannot be parsed into a class such as OBWriteDomestic1
UK.OBIE.Resource.NotFound
400
Returned when a resource with the specified Id does not exist (and hence could not be operated upon).
UK.OBIE.Rules.AfterCutOffDateTime
400
{payment-order} consent / resource received after CutOffDateTime
UK.OBIE.Rules.DuplicateReference
400
A duplicate reference has been used for a CBPII confirmation of funds request.
UK.OBIE.Signature.Invalid
400
The signature header x-jws-signature was parsed and has a valid JOSE header that complies with the specification. However, the signature itself could not be verified.
UK.OBIE.Signature.InvalidClaim
400
The JOSE header in the x-jws-signature has one or more claims with an invalid value. (e.g. a kid that does not resolve to a valid certificate). The name of the missing claim should be specified in the path field of the error response.
UK.OBIE.Signature.MissingClaim
400
The JOSE header in the x-jws-signature has one or more mandatory claim(s) that are not specified. The name of the missing claim(s) should be specified in the path field of the error response.
UK.OBIE.Signature.Malformed
400
The x-jws-signature in the request header was malformed and could not be parsed as a valid JWS.
UK.OBIE.Signature.Missing
400
The API request expected an x-jws-signature in the header, but it was missing.
UK.OBIE.Signature.Unexpected
400
The API request was not expecting to receive an x-jws-signature in the header, but the TPP made a request that included an x-jws-signature.
UK.OBIE.Unsupported.AccountIdentifier
400
The account identifier is unsupported for the given scheme.
The path element should be populated with the path of the AccountIdentifier.
UK.OBIE.Unsupported.AccountSecondaryIdentifier
400
The account secondary identifier is unsupported for the given scheme.
The path element should be populated with the path of the AccountSecondaryIdentifier.
UK.OBIE.Unsupported.Currency
400
The currency is not supported. Use UK.OBIE.Field.Invalid for invalid Currency.
The path element should be populated with the path of the Currency.
The URL should be populated with a link to ASPSP documentation listing out the supported currencies.
UK.OBIE.Unsupported.EventType
400
Event Type is not supported.
The path element should be populated with the path of the EventType.
The URL should be populated with a link to ASPSP documentation listing out the supported Event Types.
UK.OBIE.Unsupported.Frequency
400
Frequency is not supported.
The path element should be populated with the path of the Frequency.
The URL should be populated with a link to ASPSP documentation listing out the supported frequencies.
UK.OBIE.Unsupported.LocalInstrument
400
LocalInstrument is not supported by the ASPSP.
The path element should be populated with the path of the LocalInstrument.
The URL should be populated with a link to ASPSP documentation listing out the supported local instruments.
UK.OBIE.Unsupported.Scheme
400
Identification scheme is not supported.
The path element should be populated with the path of the scheme.
The URL should be populated with a link to ASPSP documentation listing out the supported schemes.
UK.OBIE.Reauthenticate
403
The ASPSP must use this error code in Error Response to indicate that re-authentication by the PSU is required to process the request.
UK.OBIE.UnexpectedError
5xx
An error code that can be used, when an unexpected error occurs.
The ASPSP must populate the message with a meaningful error description, without revealing sensitive information.
Account and Transaction API Namespaced Enumerations
OBExternalStatementAmountType1Code
Show
Code
Description
UK.OBIE.ArrearsClosingBalance
The balance that is in arrears at the end of the statement period.
UK.OBIE.AvailableBalance
The available balance is the difference between the credit limit and the account balance – how much is available to spend.
UK.OBIE.AverageBalanceWhenInCredit
The average daily balance when the account is in credit during the statement period.
UK.OBIE.AverageBalanceWhenInDebit
The average daily balance when the account is in debit during the statement period.
UK.OBIE.AverageDailyBalance
The average daily balance during the statement period. An average daily balance adds the closing balances at the end of each day in a given period of time and divides the sum by the number of calendar days in that period.
UK.OBIE.BalanceTransferClosingBalance
The component of balance that relates to balance transfers at the end of the statement period.
UK.OBIE.CashClosingBalance
The component of balance that relates to cash at the end of the statement period.
UK.OBIE.ClosingBalance
The ending balance or closing balance at the end of the current statement period.
UK.OBIE.CreditLimit
The credit limit is the total amount of credit available to a borrower, including any amount already borrowed.
UK.OBIE.CurrentPayment
The total payments received since the last period.
UK.OBIE.DirectDebitPaymentDue
The total direct debit payments due for current statement period.
UK.OBIE.FSCSInsurance
The amount under which the FSCS scheme will protect consumers when authorised financial services firms fail.
UK.OBIE.MinimumPaymentDue
The minimum payment required for the current statement period.
UK.OBIE.PendingTransactionsBalance
The total pending transactions balance at the end of the statement period.
UK.OBIE.PreviousClosingBalance
The closing balance of the previous statement.
UK.OBIE.PreviousPayment
The previous payment amount in the last statement period.
UK.OBIE.PurchaseClosingBalance
The component of balance that relates to purchases at the end of the statement period.
UK.OBIE.StartingBalance
The new balance or starting balance carried forward since last statement period.
UK.OBIE.TotalAdjustments
Total adjustments to the account during the statement period.
UK.OBIE.TotalCashAdvances
A cash advance is a short-term loan from a bank or alternative lender. The term also refers to a service provided by many credit card issuers allowing cardholders to withdraw a certain amount of cash.
UK.OBIE.TotalCharges
The total charges including interest, late payment fee during the statement period.
UK.OBIE.TotalCredits
Total amount credited in the account during the statement period.
UK.OBIE.TotalDebits
Total amount debited (money taken out from account) from the account during the statement period.
UK.OBIE.TotalPurchases
The total transactions made during that statement period.
OBExternalStatementBenefitType1Code
Show
Code
Description
UK.OBIE.Cashback
Cash back amount received during the statement period.
UK.OBIE.Insurance
Insurance amount during the statement period.
UK.OBIE.TravelDiscount
Travel discount amount received during the statement period.
UK.OBIE.TravelInsurance
Travel insurance amount during the statement period.
OBExternalStatementDateTimeType1Code
Show
Code
Description
UK.OBIE.BalanceTransferPromoEnd
The date the balance transfer promo rate will end.
UK.OBIE.DirectDebitDue
The date that the direct debit payment is due for the current statement.
UK.OBIE.LastPayment
The date that an account holder must make the payment for the previous statement period.
UK.OBIE.LastStatement
The date on which the last statement was made available to account holder.
UK.OBIE.NextStatement
The date on which the next statement will be made available to account holder.
UK.OBIE.PaymentDue
The date that an account holder must make the payment for the current statement period.
UK.OBIE.PurchasePromoEnd
The date the purchase promo rate will end.
UK.OBIE.StatementAvailable
The date on which the current statement was made available to account holder.
OBExternalStatementFeeType1Code
Show
Code
Description
UK.OBIE.Annual
Annual fees charged during the statement period.
UK.OBIE.BalanceTransfer
Balance transfer fees charged during the statement period.
UK.OBIE.CashAdvance
Cash advance fees charged during the statement period.
UK.OBIE.CashTransaction
Cash transaction fees charged during the statement period.
UK.OBIE.ForeignCashTransaction
Foreign cash transaction fees charged during the statement period.
UK.OBIE.ForeignTransaction
Foreign transaction fees charged during the statement period.
UK.OBIE.Gambling
Gambling transaction fees charged during the statement period.
UK.OBIE.LatePayment
Late payment fees charged during the statement period.
UK.OBIE.MoneyTransfer
Money transfer fees charged during the statement period.
UK.OBIE.Monthly
Monthly account fees charged during the statement period.
UK.OBIE.Overlimit
Over limit fees charged during the statement period..
UK.OBIE.PostalOrder
Postal order fees charged during the statement period.
UK.OBIE.PrizeEntry
Prize entry fees charged during the statement period.
UK.OBIE.StatementCopy
Statement copy fees charged during the statement period.
UK.OBIE.Total
Total fees charges during the statement period.
OBExternalStatementInterestType1Code
Show
Code
Description
UK.OBIE.BalanceTransfer
Interest on balance transfers.
UK.OBIE.Cash
Interest on cash advances.
UK.OBIE.EstimatedNext
The estimated interest that will be charged if the closing balance is not paid in full.
UK.OBIE.Purchase
Interest on purchases.
UK.OBIE.Total
Total interest charges during the statement period.
OBExternalStatementRateType1Code
Show
Code
Description
UK.OBIE.AnnualBalanceTransfer
Annual interest rate charged on balance transfer from other service provider.
UK.OBIE.AnnualBalanceTransferAfterPromo
Annual interest rate charged on balance transfer from other service provider after promotional period.
UK.OBIE.AnnualBalanceTransferPromo
Annual interest rate charged on balance transfer from other service provider during promotional period.
UK.OBIE.AnnualCash
Annual interest rate charged on cash advance.
UK.OBIE.AnnualPurchase
Annual interest rate charged on purchases.
UK.OBIE.AnnualPurchaseAfterPromo
Annual interest rate charged on purchases from after promotional period.
UK.OBIE.AnnualPurchasePromo
Annual interest rate charged on purchases from during promotional period.
UK.OBIE.MonthlyBalanceTransfer
Monthly interest rate charged on balance transfer from other service provider.
UK.OBIE.MonthlyCash
Monthly interest rate charged on cash advance.
UK.OBIE.MonthlyPurchase
Monthly interest rate charged on purchases.
OBExternalStatementValueType1Code
Show
Code
Description
UK.OBIE.AirMilesPoints
Air miles points at the end of the statement period.
UK.OBIE.AirMilesPointsBalance
Air miles points at the end of the statement period.
UK.OBIE.Credits
Total number of credits in statement period.
UK.OBIE.Debits
Total number of debits in statement period.
UK.OBIE.HotelPoints
Hotel points at the end of the statement period.
UK.OBIE.HotelPointsBalance
Hotel points at the end of the statement period.
UK.OBIE.RetailShoppingPoints
Retail shopping points at the end of the statement period.
UK.OBIE.RetailShoppingPointsBalance
Retail shopping points at the end of the statement period.
OBExternalStatementFeeRateType1Code
Show
Code
Description
UK.OBIE.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.
UK.OBIE.EAR
EAR means Effective Annual Rate and/or Equivalent Annual Rate (frequently used interchangeably), being the actual annual interest rate of an Overdraft.
OBExternalStatementFeeFrequency1Code
Show
Code
Description
UK.OBIE.ChargingPeriod
This fee is triggered at the end of each charging period.
UK.OBIE.PerTransactionAmount
The amount stated is levied for each transaction processed.
UK.OBIE.PerTransactionPercentage
The fee amount is the given percentage of the transaction processed and is levied for each transaction.
UK.OBIE.StatementMonthly
This fee is triggered based on a monthly statement period.
UK.OBIE.Quarterly
This fee is triggered at the end of every quarter.
UK.OBIE.Weekly
The fee is triggered weekly.
OBExternalStatementInterestRateType1Code
Show
Code
Description
UK.OBIE.BOEBaseRate
Interest rate shown is linked to the Bank of England Base Rate shown at http://www.bankofengland.co.uk/Pages/home.aspx. Typically defined as a % above the 'Current Bank Rate', but may also be below or equal to bank rate for certain Loan products.
UK.OBIE.FixedRate
Fixed rate.
UK.OBIE.Gross
Interest rate shown is before any tax deducted.
UK.OBIE.LoanProviderBaseRate
Loan provider base rate.
UK.OBIE.Net
Interest rate shown is after tax is deducted.
OBExternalStatementInterestFrequency1Code
Show
Code
Description
UK.OBIE.Daily
Calculated and/or applied daily.
UK.OBIE.HalfYearly
Calculated and/or applied half yearly.
UK.OBIE.Monthly
Calculated and/or applied monthly.
UK.OBIE.PerStatementDate
Calculated and/or applied on the statement date.
UK.OBIE.Quarterly
This fee is triggered at the end of every quarter.
UK.OBIE.Weekly
The fee is triggered weekly.
UK.OBIE.Yearly
Calculated and/or applied annually.
OBExternalLegalStructureType1Code
Show
Code
Description
UK.OBIE.Individual
Individual
UK.OBIE.CIC
Community Interest Company
UK.OBIE.CIO
Charitable Incorporated Organisation
UK.OBIE.CoOp
Co-operative
UK.OBIE.Charity
Charity
UK.OBIE.GeneralPartnership
General Partnership
UK.OBIE.LimitedLiabilityPartnership
Limited Liability Partnership
UK.OBIE.ScottishLimitedPartnership
Scottish Limited Partnership
UK.OBIE.LimitedPartnership
Limited Partnership
UK.OBIE.PrivateLimitedCompany
Private Limited Company
UK.OBIE.PublicLimitedCompany
Public Limited Company
UK.OBIE.Sole
Sole (sole trader)
OBExternalAccountRole1Code
Show
Code
Description
UK.OBIE.Principal
Principal
UK.OBIE.SecondaryOwner
Secondary owner
UK.OBIE.Beneficiary
Beneficiary
UK.OBIE.PowerOfAttorney
Power of attorney
UK.OBIE.LegalGuardian
Legal guardian
UK.OBIE.CustodianForMinor
Custodian for minor
UK.OBIE.SuccessorOnDeath
Successor on death
UK.OBIE.Administrator
Administrator
UK.OBIE.OtherParty
Other party
UK.OBIE.Granter
Granter
UK.OBIE.Settlor
Settlor
UK.OBIE.SeniorManagingOfficial
Senior managing official
UK.OBIE.Protector
Protector
UK.OBIE.RegisteredShareholderName
Registered shareholder name
Payment Initiation API Namespaced Enumerations
OBExternalLocalInstrument1Code
Show
This field is used to indicate the ASPSP's payment service to be used for making a payment.
Code
Description
UK.OBIE.BACS
Back Payment Scheme
UK.OBIE.CHAPS
CHAPS Payment Scheme
UK.OBIE.FPS
Faster Payment Scheme
UK.OBIE.SWIFT
Swift Payment Service
UK.OBIE.BalanceTransfer
To indicate Balance Transfer
UK.OBIE.MoneyTransfer
To Indicate Money Transfer
UK.OBIE.Paym
Paym Payment
UK.OBIE.Euro1
To use Euro1 Payment System
UK.OBIE.SEPACreditTransfer
To indicate SEPA Credit Transfer payment service
UK.OBIE.SEPAInstantCreditTransfer
To indicate SEPA Instant Credit Transfer payment service
UK.OBIE.Link
To indicate Link payment service
UK.OBIE.Target2
To indicate Target2 payment service
OBExternalPaymentChargeType1Code
Show
This field is used to indicate the type of fee/charge to be applied to the payment-order.
The enumerated values specified by Open Banking align with the OBIE Open Data Standard.
This enumeration consists of a subset of the fees and charges identified in the Open Data Standard. The subset is limited to fees and charges associated with payments.
Code
Description
UK.OBIE.CHAPSOut
CHAPS Payment Service fee
UK.OBIE.BalanceTransferOut
Balance Transfer Service fee
UK.OBIE.MoneyTransferOut
Money Transfer Service fee
OBExternalFileType1Code
Show
This field is used to indicate the file-type that is being submitted as part of a file-payment payload.
Code
Description
UK.OBIE.pain.001.001.08
This is specified when a fully compliant pain.001 XML file is staged for the payment initiation.
UK.OBIE.PaymentInitiation.4.0
This is specified when an array of payments, which are compliant with the OBIE Initiation objects in the v4.0 standard, are staged in a .json file for the payment initiation.
Confirmation of Funds API Namespaced Enumerations
None
Event Notification API Namespaced Enumerations
OBEventType1Code
Show
This field is used to indicate the event types a TPP would like to subscribe to as part of the callback-urls payload.
Code
Description
UK.OBIE.Resource-Update
An event that indicates a resource has been updated.
UK.OBIE.Consent-Authorization-Revoked
An event that indicates a consent resource has had its authorisation revoked.