Accounts v3.1

Owned by Freddi Gyara (Unlicensed)
Last updated: Nov 30, 2018
6 min read

Version Control

VersionDateAuthorComments
3.0 OB R/W API TeamThis is the baseline version. No change from RC3.
3.1-draft1 OB R/W API Team

This is the initial draft version for 3.1.

Errata

  • Grammatical Fixes
3.1-draft2 OB R/W API Team

Draft2 Changes:

  • Updated example URLs to version 3.1.
3.1-draft3 OB R/W API TeamDraft3 Changes:
  • Account Data Model updated with a typed field for Account/SchemeName and Agent/SchemeName field to reference in Namespaced Enumerations page.
3.1 RC1 OB R/W API Team

RC1 Changes:

  • Updated enumerations to use full UK.OBIE namespace.
3.1OB R/W API Team

Version 3.1 final release.

No changes from Version 3.1 RC1.

Endpoints

Endpoints for the resource - and available methods.


Resource
HTTP Operation
Endpoint
Mandatory?
Scope
Grant Type
Idempotency Key
Parameters
Request Object
Response Object
1accountsGET

GET /accounts

Mandatory

accountsAuthorization CodeNoPagination
OBReadAccount3
2accountsGETGET /accounts/{AccountId}MandatoryaccountsAuthorization CodeNo

OBReadAccount3

GET /accounts

First Step

The first step for an AISP after an account-request is authorised - is to call the GET /accounts endpoint. 

An AISP will be given the full list of accounts (the AccountId(s)) that the PSU has authorised the AISP to access. The AccountId(s) returned may then be used to retrieve other resources for a specific AccountId. The selection of authorised accounts happens only at the ASPSP's interface.

GET /accounts/{AccountId}

An AISP may retrieve the account information resources for the AccountId (which is retrieved in the call to GET /accounts).

Data Model

The OBReadAccount3 object will be used for the call to:

  • GET /accounts/{AccountId}
  • GET /accounts

Resource Definition

This resource represents the account to which credit and debit entries are made.

Each account resource will have a unique and immutable AccountId.

UML Diagram

Notes:

  • The Account and Servicer structure has been designed to:
    • Reflect the DebtorAccount and DebtorAgent (and similarly for CreditorAccount and CreditorAgent) structures in the PISP use case.
    • Having a SchemeName for the Account and Servicer blocks means we can be flexible to accommodate multiple types of accounts.
  • For common Domestic UK identification schemes:
    • Account/Account
      • Where "UK.OBIE.SortCodeAccountNumber" is specified as the SchemeName, the Identification field must be populated with the 6 digit Sort Code and 8 digit Account Number (a 14 digit field).
      • Where "UK.OBIE.IBAN" is specified as the SchemeName, the Identification field must be populated with the full IBAN.
      • Where "UK.OBIE.PAN" is specified as the SchemeName, the Identification field must be populated with the primary PAN linked to the account. An ASPSP may choose to mask digits returned in the Identification field.
    • Account/Servicer
      • Where "UK.OBIE.BICFI" is populated as the SchemeName, the Identification field must be populated with the BIC.
  • The SecondaryIdentification field is used to identify an account in addition to the primary Account/Identification field. SecondaryIdentification may be populated with a roll number for building societies, or a currency code where an account has multiple currency sub-accounts.

Permission Codes

The resource differs depending on the permissions (ReadAccountsBasic and ReadAccountsDetail) used to access the resource. In the event that the resource is accessed with both ReadAccountsBasic and ReadAccountsDetail, the most detailed level (ReadAccountsDetail) must be used.

  • These objects must not be returned without the ReadAccountsDetail permission:
    • OBReadAccount3/Data/Account/Account
    • OBReadAccount3/Data/Account/Servicer
  • If the ReadAccountsDetail is granted by the PSU:
    • OBReadAccount3/Data/Account/Account must be returned (1..n)
    • OBReadAccount3/Data/Account/Servicer may be returned if applicable to the account and ASPSP (0..1)

If the ReadPAN permission is granted by the PSU, the ASPSP may choose to populate the OBReadAccount3/Data/Account/Account/Identification with the unmasked PAN (if the PAN is being populated in the response).

Data Dictionary

NameOccurrenceXPathEnhancedDefinitionClassCodesPattern

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


Description

0..1

OBReadAccount3/Data/Account/Description

Specifies the description of the account type.

Max35Text



Nickname

0..1

OBReadAccount3/Data/Account/Nickname

The nickname of the account, assigned by the account owner in order to provide an additional means of identification of the account.

Max70Text



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



SecondaryIdentification

0..1

OBReadAccount3/Data/Account/Account/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



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



Usage Examples

Bulk - Detail Permission

The call to GET /accounts is the first step after an account-request is authorised. This will allow the AISP to discover which accounts (and AccountId values) are associated with the authorisation of consent.

In this scenario, AccountId 22289 has a building society roll number; and AccountId 31820 does not.

The ReadAccountsDetail permission has been granted.

Request

Get Accounts Request
GET /accounts 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 Accounts Response
HTTP/1.1 200 OK
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "Account": [
      {
        "AccountId": "22289",
        "Currency": "GBP",
        "AccountType": "Personal",
        "AccountSubType": "CurrentAccount",
        "Nickname": "Bills",
        "Account": {
          "SchemeName": "UK.OBIE.SortCodeAccountNumber",
          "Identification": "80200110203345",
          "Name": "Mr Kevin",
          "SecondaryIdentification": "00021"
        }
      },
      {
        "AccountId": "31820",
        "Currency": "GBP",
        "AccountType": "Personal",
        "AccountSubType": "CurrentAccount",
        "Nickname": "Household",
        "Account": {
          "SchemeName": "UK.OBIE.SortCodeAccountNumber",
          "Identification": "80200110203348",
          "Name": "Mr Kevin"
        }
      }
    ]
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/aisp/accounts/"
  },
  "Meta": {
    "TotalPages": 1
  }
}

Specific Account - Detail Permission

An AISP may also retrieve the account resource details specifically for AccountId 22289.

The ReadAccountsDetail permission has been granted.

Request

Get Accounts Request
GET /accounts/22289 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 Accounts Response
HTTP/1.1 200 OK
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "Account": [
      {
        "AccountId": "22289",
        "Currency": "GBP",
        "AccountType": "Personal",
        "AccountSubType": "CurrentAccount",
        "Nickname": "Bills",
        "Account": {
          "SchemeName": "UK.OBIE.SortCodeAccountNumber",
          "Identification": "80200110203345",
          "Name": "Mr Kevin",
          "SecondaryIdentification": "00021"
        }
      }
    ]
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/aisp/accounts/22289"
  },
  "Meta": {
    "TotalPages": 1
  }
}

Bulk - Basic Permission

The ReadAccountsBasic permission has been granted.

Request

Get Accounts Request
GET /accounts 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 Accounts Response
HTTP/1.1 200 OK
x-fapi-interaction-id: 93bac548-d2de-4546-b106-880a5018460d
Content-Type: application/json

{
  "Data": {
    "Account": [
      {
        "AccountId": "22289",
        "Currency": "GBP",
        "AccountType": "Personal",
        "AccountSubType": "CurrentAccount",
        "Nickname": "Bills"
      },
      {
        "AccountId": "31820",
        "Currency": "GBP",
        "AccountType": "Personal",
        "AccountSubType": "CurrentAccount",
        "Nickname": "Household"
      }
    ]
  },
  "Links": {
    "Self": "https://api.alphabank.com/open-banking/v3.1/aisp/accounts/"
  },
  "Meta": {
    "TotalPages": 1
  }
}

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