Version Control

Version	Date	Author	Comments
3.0-draft1	18-Apr-2018	OB R/W API Team	Initial draft for Version 3.0
3.0-draft4	29 May 2018	OB R/W API Team	UML diagram update for Amount field, and data dictionary update to reflect UML diagram update. Added Endpoint section.
3.0-draft5	13 Jun 2018	OB R/W API Team	Updated examples to change UTC to GMT to be in line with https://tools.ietf.org/html/rfc7231#page-66
3.0-draft6/rc1	27 Jun 2018	OB R/W API Team	Draft6 Changes: For consistency - added a Permission Codes section to clarify expected behaviour.
3.0-Draft7	11 Jul 2018	OB R/W API Team	Draft 7 changes: Added amount field for Fee (documentation)
3.0-RC2	19 Jul 2018	OB R/W API Team	No Change
3.0-RC3	06 Aug 2018	OB R/W API Team	Updated the definition of the URL in the Offers payload to clarify that it is the "URL (Uniform Resource Locator) where documentation on the offer can be found"
3.0	07 Sep 2018	OB R/W API Team	This is the baseline version. No change from RC3.

Endpoints

Endpoints for the resource - and available methods.

	Resource	HTTP Operation	Endpoint	Mandatory?	Scope	Grant Type	Idempotency Key	Parameters	Request Object	Response Object
1	offers	GET	GET /accounts/{AccountId}/offers	Conditional	accounts	Authorization Code	No			OBReadOffer1
2	offers	GET	GET /offers	Optional	accounts	Authorization Code	No	Pagination		OBReadOffer1

GET /accounts/{AccountId}/offers

An AISP may retrieve the offers resource for a specific AccountId (which is retrieved in the call to GET /accounts).

GET /offers

If an ASPSP has implemented the bulk retrieval endpoints - an AISP may optionally retrieve the offers in bulk.

This will retrieve the resources for all authorised accounts linked to the account-request.

Data Model

The OBReadOffer1 object will be used for the call to:

GET /accounts/{AccountId}/offers
GET /offers

Resource Definition

A resource that contains a set of elements that describes the list of offers available to a specific account (AccountId).

Generic features (and pricing) for the account product will be not be available via the offers resources. These generic features will be available via the product resource.
The outcome of any offer (or product feature) uptake will not be reported via the offers resource. The benefits, interest, cash-back for any account will be available via the statements resource (if this is available to PSUs in the existing ASPSP online channel).

An account (AccountId) may have no offers available, or may have multiple offers available.

UML Diagram

Notes:

Offers (or promotions) for a specific AccountId, which may be viewable in the ASPSP online banking interface, may have a complicated offer structure (which cannot be expressed using a flat Amount, Fee, Rate, or Value structure). In this case, the ASPSP must use the Description field to describe the nature of the offer in free-text

Permission Codes

The resource requires the ReadOffers permission. The resource response payload does not differ depending on the permissions granted.

Data Dictionary

Name	Occurrence	XPath	EnhancedDefinition	Class	Codes	Pattern
OBReadOffer1		OBReadOffer1		OBReadOffer1
Data	1..1	OBReadOffer1/Data	OBReadDataOffer1
Offer	0..n	OBReadOffer1/Data/Offer	OBOffer1
AccountId	1..1	OBReadOffer1/Data/Offer/AccountId	A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.	Max40Text
OfferId	0..1	OBReadOffer1/Data/Offer/OfferId	A unique and immutable identifier used to identify the offer resource. This identifier has no meaning to the account owner.	Max40Text
OfferType	0..1	OBReadOffer1/Data/Offer/OfferType	Offer type, in a coded form.	OBExternalOfferType1Code	BalanceTransfer LimitIncrease MoneyTransfer Other PromotionalRate
Description	0..1	OBReadOffer1/Data/Offer/Description	Further details of the offer.	Max500Text
StartDateTime	0..1	OBReadOffer1/Data/Offer/StartDateTime	Date and time at which the offer starts.	ISODateTime
EndDateTime	0..1	OBReadOffer1/Data/Offer/EndDateTime	Date and time at which the offer ends.	ISODateTime
Rate	0..1	OBReadOffer1/Data/Offer/Rate	Rate associated with the offer type.	Max10Text		^(-?\d{1,3}){1}(\.\d{1,4}){0,1}$
Value	0..1	OBReadOffer1/Data/Offer/Value	Value associated with the offer type.	Number
Term	0..1	OBReadOffer1/Data/Offer/Term	Further details of the term of the offer.	Max500Text
URL	0..1	OBReadOffer1/Data/Offer/URL	URL (Uniform Resource Locator) where documentation on the offer can be found	Max256Text
Amount	0..1	OBReadOffer1/Data/Offer/Amount	Amount of money associated with the offer type.	OBActiveOrHistoricCurrencyAndAmount
Amount	1..1	OBReadOffer1/Data/Offer/Amount/Amount	A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.	ActiveCurrencyAndAmount_SimpleType
Currency	1..1	OBReadOffer1/Data/Offer/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}$
Fee	0..1	OBReadOffer1/Data/Offer/Fee	Fee associated with the offer type.	OBActiveOrHistoricCurrencyAndAmount
Amount	1..1	OBReadOffer1/Data/Offer/Fee/Amount	A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.	ActiveCurrencyAndAmount_SimpleType
Currency	1..1	OBReadOffer1/Data/Offer/Fee/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}$

Usage Examples

Specific Account

Request

Get Offers Request

GET /accounts/22289/offers HTTP/1.1
Authorization: Bearer Az90SAOJklae
x-fapi-financial-id: OB/2017/001
x-fapi-customer-last-logged-time:  Sun, 10 Sep 2017 19:43:31 GMT
x-fapi-customer-ip-address: 104.25.212.99
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Accept: application/json

Response

Get Offers Response

HTTP/1.1 200 OK
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "Offers": [
      {
        "AccountId": "22289",
        "OfferId": "Offer1",
        "OfferType": "LimitIncrease",
        "Description": "Credit limit increase for the account up to £10000.00",
        "Amount": {
          "Amount": "10000.00",
          "Currency": "GBP"
        }
      },
      {
        "AccountId": "22289",
        "OfferId": "Offer2",
        "OfferType": "BalanceTransfer",
        "Description": "Balance transfer offer up to £2000",
        "Amount": {
          "Amount": "2000.00",
          "Currency": "GBP"
        }
      }      
    ]
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v2.0/accounts/22289/offers/"
  },
  "Meta": {
    "TotalPages": 1
  }
}

Bulk