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sme_loan.json
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{
"description": "SME Loan",
"type": "object",
"properties": {
"Organisation": {
"description": "Organisation",
"type": "object",
"properties": {
"ParentOrganisation": {
"description": "Parent organisation",
"type": "object",
"properties": {
"LEI": {
"description": "The LEI ID of the organisation",
"type": "string",
"pattern": "^[A-Z0-9]{18,18}[0-9]{2,2}$"
},
"BIC": {
"description": "The BIC from the organisation",
"type": "string",
"pattern": "[A-Z]{6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3})?"
},
"OrganisationName": {
"description": "Organisation Name",
"type": "object",
"properties": {
"LegalName": {
"description": "Legal Name of the organisation",
"type": "string",
"minLength": 1,
"maxLength": 35
}
},
"required": ["LegalName"],
"additionalProperties": false
}
},
"required": ["OrganisationName"],
"additionalProperties": false
},
"Brand": {
"description": "Brand",
"type": "object",
"properties": {
"TrademarkIPOCode": {
"description": "The Intellectual Property Office (IPO) is the official body responsible for intellectual property (IP) rights including patents, designs, trademarks and copyright. (Code: UK or EU only)",
"type": "string",
"enum": ["UK", "EU"]
},
"TrademarkID": {
"description": "The trademark number that has been registered with the Intellectual Property Office. Note: The 2 letter IPO prefix should be omitted",
"type": "string",
"minLength": 1,
"maxLength": 35
}
},
"required": ["TrademarkIPOCode", "TrademarkID"],
"additionalProperties": false
}
},
"required": ["ParentOrganisation", "Brand"],
"additionalProperties": false
},
"ProductName": {
"description": "The short product or marketing name assigned by the parent organisation",
"type": "string"
},
"ProductIdentifier": {
"description": "Identifier within the parent organisation for the product. Must be unique in the organisation",
"type": "string"
},
"ArrearsTreatment": {
"description": "Arrears treatment",
"type": "string"
},
"ProductTypeName": {
"description": "Descriptive code for the product category",
"type": "string",
"enum": ["FlexibleBusinessLoan", "SmallBusinessLoan", "SmeUnsecuredLoan"]
},
"ProductURL": {
"type": "array",
"items": {
"type": "string",
"format": "uri"
},
"minItems": 1
},
"ProductSegment": {
"type": "array",
"items": {
"description": "Marketing or industry segment that the product is applicable for. Gives the sector or segment that the Loan is designed for",
"type": "string",
"enum": ["AgricultureSector", "AllSegmentsCorporate", "Corporate", "FixedGroup", "FlexibleBusinessLoan", "GovernmentScheme", "NewCustomersOnly", "SmallLoan", "SpecialisedSector", "SwitchersOnly"]
},
"minItems": 1
},
"ProductDescription": {
"description": "Description of the product provided by the parent Organisation",
"type": "string"
},
"TsandCs": {
"description": "URL provided by the parent organisation which redirects to the T&Cs",
"type": "array",
"items": {
"type": "string"
},
"minItems": 1
},
"CustomerAccessChannels": {
"description": "Ways to interact with the bank",
"type": "array",
"items": {
"description": "",
"type": "string",
"enum": ["Branch", "MobileBankingApp", "Online", "Phone", "Post", "PostOffice", "Text"]
},
"minItems": 1
},
"Currency": {
"description": "Currency of the Account. Default to GBP at present",
"type": "array",
"items": {
"description": "Active or Historic Currency Code",
"type": "string",
"pattern": "[A-Z]{3}"
},
"minItems": 1
},
"MinimumLoanTerm": {
"description": "Minimum term (Days)",
"type": "integer"
},
"MaximumLoanTerm": {
"description": "Maximum loan term (Days)",
"type": "integer"
},
"MinimumLoanAmount": {
"description": "Minimum loan amount",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"MaximumLoanAmount": {
"description": "Maximum loan amount",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"PaymentHoliday": {
"description": "Indicates whether a repayment holiday is allowed",
"type": "boolean"
},
"LoanItem": {
"type": "array",
"items": {
"description": "Loan Item",
"type": "object",
"properties": {
"ProductState": {
"description": "Describes if the offering is promotional or a description of a future state.",
"type": "string",
"enum": ["FutureMultipleTerms", "Promotional", "Regular"]
},
"StartPromotionOrFutureTerms": {
"description": "Describes the start date",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"StopPromotionOrFutureTerms": {
"description": "Describes the end date",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"LengthPromotionalInDays": {
"description": "Describes the length if only a duration is given instead of a date in days",
"type": "integer"
},
"DateOfChange": {
"description": "Date of the change if it refers to future terms",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"LoanPricing": {
"type": "array",
"items": {
"description": "Loan Pricing",
"type": "object",
"properties": {
"SizeIncrement": {
"description": "Identifier for tier only where it has been supplied under Part 8 (article 32 or the CMA order), value reflects upper tier value",
"type": "string",
"enum": ["£5000", "£10000", "£15000", "£20000", "£25000", "Other", "TierMaximum", "TierMinimum"]
},
"LoanLengthIncrement": {
"description": "Loan Length Increments",
"type": "string",
"enum": ["1 year", "2 years", "3 years", "4 years", "5 years"]
},
"RepaymentFrequency": {
"type": "array",
"items": {
"description": "Repayment Frequency Code",
"type": "string",
"enum": ["Daily", "Flexible", "Fortnightly", "HalfYearly", "Monthly", "Quarterly", "Weekly", "Yearly"]
},
"minItems": 1,
"uniqueItems": true
},
"LoanSizeBandLower": {
"description": "Monetary amount without currency",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"LoanSizeBandUpper": {
"description": "Monetary amount without currency",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"LoanLengthIncrementLower": {
"type": "integer"
},
"LoanLengthIncrementUpper": {
"type": "integer"
},
"IndicativeRate": {
"type": "string"
},
"RateComparisonType": {
"description": "Rate Comparison Type",
"type": "string",
"enum": ["APR", "AER", "Gross", "Net", "RepApr"]
},
"Negotiable": {
"type": "boolean"
}
},
"required": ["SizeIncrement", "LoanLengthIncrement", "RepaymentFrequency", "LoanSizeBandLower", "LoanSizeBandUpper", "LoanLengthIncrementLower", "LoanLengthIncrementUpper", "IndicativeRate", "Negotiable"],
"additionalProperties": false
}
},
"CCARegulatedEntity": {
"type": "boolean"
},
"IsALowInterestRepaymentStartPossible": {
"type": "boolean"
},
"IsThisAnInterestOnlyLoan": {
"type": "boolean"
},
"WillTheLoanBePaidInTrancheDrawdowns": {
"type": "boolean"
}
},
"required": ["ProductState", "CCARegulatedEntity", "IsALowInterestRepaymentStartPossible", "IsThisAnInterestOnlyLoan", "WillTheLoanBePaidInTrancheDrawdowns"],
"additionalProperties": false
}
},
"Eligibility": {
"description": "Eligibility",
"type": "object",
"properties": {
"AgeRestricted": {
"description": "Indicates a customer's age is part of eligibility criteria",
"type": "boolean"
},
"MinimumAge": {
"description": "Minimum age, in years, required to hold an account",
"type": "integer"
},
"MaximumAge": {
"description": "Maximum age, in years, allowed to hold the account",
"type": "integer"
},
"MaximumAgeToOpen": {
"description": "Maximum age, in years, to open an account",
"type": "integer"
},
"OtherFinancialHoldingRequired": {
"description": "Indicates that it is necessary to hold another product with the bank in order to be eligible for this product or feature",
"type": "boolean"
},
"Description": {
"description": "One paragraph detailing the eligibility",
"type": "string"
},
"IncomeTurnoverRelated": {
"description": "Indicates if eligibility linked to income",
"type": "boolean"
},
"SingleJointIncome": {
"description": "Minimum Income Source. For certain products a minimum income is required. This can be mandated as to the single income or to a joint income. This field describes this",
"type": "string",
"enum": ["Joint", "SoleIncome", "SoleOrJoint", "Turnover"]
},
"MinimumIncomeTurnoverAmount": {
"description": "Minimum income / Turnover required to hold the product",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"MinimumIncomeTurnoverCurrency": {
"description": "Minimum income / Turnover Currency",
"type": "string",
"pattern": "[A-Z]{3}"
},
"IncomeCondition": {
"description": "Stipulates any particular definition of income that applies to the income eligibility and/or method by which income must paid into the account (eg Salary DD)",
"type": "string"
},
"MinIncomeTurnoverPaidIntoAccount": {
"description": "Minimum Income Amount required to paid into the account",
"type": "integer"
},
"MinimumIncomeFrequency": {
"description": "The frequency that the minimum mentioned before is deposited in the account. Yearly is very important for premium accounts",
"type": "string",
"enum": ["AcademicTerm", "HalfYearly", "Monthly", "Quarterly", "Weekly", "Yearly"]
},
"AnnualBusinessTurnover": {
"description": "Annual Business Turnover",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"AnnualBusinessTurnoverCurrency": {
"description": "Annual Business Turnover Currency",
"type": "string",
"pattern": "[A-Z]{3}"
},
"ResidencyRestricted": {
"description": "Indicates a customer's residency forms part of the eligibility criteria",
"type": "boolean"
},
"ResidencyRestrictedRegion": {
"description": "Indicates a customer must be current resident of a geographic area/country",
"type": "string",
"enum": ["UK", "EEA", "EU", "EFTA", "GB - ENG", "GB - NIR", "GB - SCT", "GB - WLS", "IRL"]
},
"MaxNumberOfAccounts": {
"description": "Maximum number of the same prodcut the customer may hold",
"type": "string"
},
"ThirdSectorOrganisations": {
"description": "Is the product available to operate as a Clubs or Societies account?",
"type": "boolean"
},
"MinimumDeposit": {
"description": "A minimum deposit required to hold this account",
"type": "boolean"
},
"OpeningDepositMinimum": {
"description": "Minimum Amount to be held on account",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"OpeningDepositMinimumCurrency": {
"description": "The currency of the Minimum Amount to be depositing at opening",
"type": "string",
"pattern": "[A-Z]{3}"
},
"MinimumOperatingBalanceExists": {
"description": "Is there a Minimum Operating Balance?",
"type": "boolean"
},
"MinimumOperatingBalance": {
"description": "Minimum Operating Balance",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"MinimumOperatingBalanceCurrency": {
"description": "Minimum Operating Balance currency",
"type": "string",
"pattern": "[A-Z]{3}"
},
"MaximumOpeningAmount": {
"description": "A maximum amount to be deposited at opening",
"type": "boolean"
},
"OpeningDepositMaximumAmount": {
"description": "Maximum Amount to be depositing at opening",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"OpeningDepositMaximumCurrency": {
"description": "The currency of the Minimum Amount to be depositing at opening",
"type": "string",
"pattern": "[A-Z]{3}"
},
"EligibilityName": {
"description": "Free text description, denotes non standard eligibilities not included in the code list",
"type": "string"
},
"EligibilityType": {
"description": "Eligibility type",
"type": "string",
"enum": ["AnyBusinessCustomer", "BusinessOnly", "CreditCard", "CreditScoring", "EmailAddress", "ExistingCustomers", "IdAndV", "Mortgage", "NoArrearsOnLoan", "NoCustomerInArrears", "NoOverOverdraftThirtyDays", "NoSoleUkAccountOrBankrupt", "NTB", "NTBBusiness", "SoleStudentAccount", "SoleUkAccount", "StudentsOnly", "TwoMonthsOfCourseStart", "UCASFulltimeTwoYears"]
},
"EligibilityNotes": {
"description": "Optional additional notes to supplement the eligibility conditions. Only used for very specific conditions",
"type": "string"
},
"PreviousBankruptcy": {
"description": "Describes if a previous bankruptcy / insolvency disqualfies for this account Details in ELI-280",
"type": "boolean"
},
"MarketingEligibility": {
"type": "array",
"items": {
"description": "Specific eligibility for marketing",
"type": "string",
"enum": ["ExistingCustomers", "NewCustomersOnly", "SwitchersOnly", "StartUp"]
},
"uniqueItems": true
}
},
"required": ["AgeRestricted", "OtherFinancialHoldingRequired", "Description", "IncomeTurnoverRelated", "ResidencyRestricted", "ThirdSectorOrganisations", "PreviousBankruptcy"],
"additionalProperties": false
},
"FeesAndCharges": {
"type": "array",
"items": {
"description": "Fees And Charges",
"type": "object",
"properties": {
"ProductState": {
"description": "Describes if the offering is promotional or a description of a future state.",
"type": "string",
"enum": ["FutureMultipleTerms", "Promotional", "Regular"]
},
"Fees": {
"description": "Fees",
"type": "object",
"properties": {
"StartPromotionOrFutureTerms": {
"description": "Describes the start date",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"StopPromotionOrFutureTerms": {
"description": "Describes the end date",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"LengthPromotionalInDays": {
"description": "Describes the length if only a duration is given instead of a date",
"type": "integer"
},
"DateOfChange": {
"description": "Date of the change if it refers to future terms",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"FeeLowerTier": {
"description": "Lower occurrence / range boundary e.g.. For returned cheques this could be 0, which means the first returned cheque fits into this range",
"type": "integer"
},
"FeeHigherTier": {
"description": "Higher occurrence / range boundary e.g. For returned cheques this could be 10, which means the first 10 returned cheque fits into this range",
"type": "integer"
},
"FeeDetails": {
"type": "array",
"items": {
"description": "Fee Details",
"type": "object",
"properties": {
"FeeSubType": {
"description": "Fee Sub Type code",
"type": "string",
"enum": ["FutureMultipleTerms", "Promotional", "Regular"]
},
"FeeDetail": {
"description": "Fee Detail",
"type": "object",
"properties": {
"FeeType": {
"description": "A description of the Fee type",
"type": "string",
"enum": ["Other", "ATMDonation", "ATMDeposATMPaidIn", "ReportCertBalance", "ATMAbroadConVisaCredit", "ATMAbroadConVisaDebit", "ATMCardnetEnvIn", "ATMCashGroupATMCreditCard", "ATMCashNonGroupATMCredittcard", "ATMCashGroupATMDebitCard", "ATMCashNonGroupATMDebitcard", "ATMConGroupATM", "ATMAbroad", "ATMForeignCashDebCard", "ATMAbroadGoldVisaDebit", "ATMSpainCashCard", "ATMSpainDebitCard", "ATMSpainConversionDebitCard", "ATMSpainConversionCashCard", "ATMNonSterlingWithdrawal", "ATMAbroadVisaCredit", "ATMAbroadVisaDebit", "ATMAbroadConVisaGoldDebit", "ATMWidthdrawCash", "BACSOnLineAncilliary", "BACSBatch", "BACSOnLineFile", "BACSFileItem", "BACSOnLineSetup ", "BACSItem", "BACSItemInterbranch", "BACSBulkBatch", "BACSOnLineOverlimit", "BACSOnLinePayment", "BACSRecallItem", "BACSOnLineService", "BACSBulkInternet", "BACSTELDirDebSmartCard", "BACSTELDirDebWebInit", "BACSTELirDebWebInit", "BACSTELDirDebOverlimit", "BACSTELDirDebPayment", "BACSTELDirDebService", "BACSTELDirDebAncilliary", "BACSDirectItemProfile", "BACSTELAncilliary", "BACSTELSmartCard", "BACSTELFile", "BACSTELSetup ", "BACSTELOverlimit", "BACSTELPayment", "BACSTELService", "CHAPSOutBranch", "CHAPSCancellation", "CHAPSOutOnlineDepositAcc", "CHAPSIn", "CHAPSOutInterBank", "CHAPSInterBank", "CHAPSOutPost", "CHAPSOutInterBranch", "CHAPSOut", "CHAPSOutOnline", "CHAPSandForeignPay", "CHAPSOutManual", "CardCardReplacement", "DraftsCounter", "DraftsBankers", "DraftsIntlPayableAbroad", "DraftsLostStolen", "CardPersonalisedCard", "DraftsIntlStoppedCancelled", "EuroChqXLess", "EuroChqXPlus", "FPSOutFutureDated", "FPSOutImmediate", "FPSOut", "FPSOutOwn", "FPSInBranch", "FPSUKPayUrgent", "LegalArticlesReport", "LegalSealing", "LegalBondAndGuarantee", "LegalCourtOrder", "LegalCoSearch", "LegalDepositAssignment", "LegalGuaranteePrep", "LegalLifePolicyPrepCo", "LegalLifePolicyPrepPersonal", "LegalPriorityPariPassu", "LegalSubordinationAgreement", "DirDebDirectDebitAdmin", "DirDebDirectDebitCancel", "IntlPayBIBForeignLimit", "IntlPayCreditTransCust", "IntlPayCreditTransNonCust", "IntlPayUrgentPaymentForeign", "IntlPayExpressMoneyMover", "IntlPayEEAPayUrgent", "IntlPayIrishPayUrgent", "IntlPayEEAPay", "IntlPayForeignIn1CPlus", "IntlPayForeignPaymentInUKAcc", "IntlPayForeignCharge", "IntlPayForeignCancellation", "IntlPayForeignStandardEUEuroBIC", "IntlPayFXFeeRate", "IntlPayForeignInternet", "IntlPayForeign", "IntlPayForeignInbound", "IntlPayFXPaymentOut", "IntlPayForeignInSub1C", "IntlPayFXRate", "IntlPayForeignStandardEUEuroNoBIC", "IntlPayFXPaymentOutIR", "IntlPayFXFee", "IntlPayPurchaseNonSterling", "IntlPayPostPaymentForeign", "IntlPayPurchaseRateNonSterling", "IntlPayPaymentTracing", "IntlPayStandardMoneyMover", "IntlPayMT101Transaction", "IntlPayTransNonSterling", "IntlPayTransRateNonSterling", "IntlPayForeignUrgentEUEuroBIC", "IntlPayForeignUrgentEUEuroNoBIC", "IntlPayUrgentPaymentGroup", "IntlPayUrgentPaymentUK", "IntlPayUSAPayUrgent", "IntlPayCurrencyPurchase", "IntlPayWorldpayPayment", "IntlPayCurrencyWithdraw", "InvPayBankDetailsWrong", "InvPayForeignBCNR", "InvPayForeignRecall", "InvGeneralInq", "InvOldInstruction", "InvPayPaymentRecall", "InvPayReturnDebitXVLess", "InvPayReturnDebitXVPlus", "InvPayStopPayment", "InvPayStandingOrdUnpaid", "SafeKeepAccess", "SafeKeepDeedMedium", "SafeKeepingEnvelope", "SafeKeepingInspection", "SafeKeepingLargeItem", "SafeKeepMultipleItems", "SafeKeepingParcel", "SafeKeepDeedSmall", "SafeKeepOneItem", "SafeKeepSafeCustody", "LoanArrangementFeePC", "LoanArrangement", "LoanEarlyRepayment", "LoanLatePayment", "LoanSMEUnsecuredLoan", "LoanTieredArrangement", "NightSafeNightSafeBankOpen", "NightSafeCreditSub5K", "NightSafeNightSafe", "NightSafeNightSafePaidIn", "OverdraftAnnualReview", "OverdraftTempOverdraft", "OverdraftUnauthorisedBorrowing", "POPostOfficeCounterCredit", "POPostOfficeCashCredit", "POPostOfficeCashOut", "POPostOfficeWithdrawal", "ChqBookTheftLossAllStopped", "ChqIssuedCurrencyAcc", "ChqCopy", "ChqDraft", "ChqIn", "ChqDraftSterling", "ChqOutIssued", "ChqSpecialChqPresentation", "ChqCounterCheque", "ChqChequeswithStatement", "ChqStopped", "ChqTrans", "ChqDraftFX", "ChqForeignCourier", "ChqForeignNegTenThou", "ChqForeignNegHundred", "ChequeForeignBankDivi", "ChqForeignNegFiftyThou", "ChqPensionCheque", "ChequeForeignOtherDivi", "ChqForeignNegFiveThou", "ChqForeignNegMax", "ChqForeignGBPMMDPlus", "ChqGiftCheque", "ChqCounterLodgement", "ChqCashDropLodgement", "ChqChequePhotocopy", "ChqPostOfficeCredit", "ChqPostOfficeChequeCollected", "ChqChequeRetrieval", "ChqReconcilliationPerTrans", "ChqSpecialPresentationCount", "ChqSpecialPresentationPTT", "ChqUnpaidCharge", "ChqUnpaidTransIn", "ChqUnpaidTransOut", "ChqUnpaidCheque", "ReportAuditLetter", "ReportFAXAdviceAdditional", "ReportTelAdviceAdditional", "ReportCreditHistory", "ReportCertInterestDuplicate", "ReportCertInterest", "ReportCreditHistoryAdditionalInYear", "ReportForeignStatusEnqElec", "ReportForeignStatusEnq", "ReportCashBackorInterestAnal", "ReportStatementChqDaily", "ReportStatementChqFortnightly", "ReportStatementChqMonthly", "ReportStatementChqWeekly", "ReportStatementAndDiviChq", "ReportReference", "ReportReferralItem", "ReportStatementByATM", "ReportStatementByBranch", "ReportStatementCopyRegular", "ReportStatusEnquiry", "ReportStatementFrequent", "ReportStatementMonthly", "ReportStatementCopy1", "ReportStatementToBranch", "ReportSMSTextMiniStatementorAlert", "ReportStatementFortnightly", "ReportSMSTextMiniStatementWoM", "ReportSMSTextAlertBalance", "ReportSMSTextAlert", "ReportTaxCert", "ReportWeeklyStatement", "ReportTextMessageBanking", "SEPACancellation", "SEPABranch", "SEPACredit", "SEPADirectDebit", "SEPAIn", "SEPAEuro", "SEPAOut", "SEPAUnpaid", "SEPAWinbitsAnnual Service", "SEPAWinbitsTransaction", "TransBillPaymentBranch", "TransBillCollect", "TransTelephoneBillPayment", "TransBankPayment", "TransBillPaymentTelephone", "TransCorrespondentBankFee", "TransCreditTransferUKDifferent", "TransCreditTransferUKSame", "TransCredit", "TransCreditTransfer", "TransBranchCredit", "TransDebit", "TransDebCardDeb", "TransUKDirDeb", "TransManualDeb", "TransBuyForeignWithGBP", "TransGoodValueReq", "TransSWIFTOutUKForeign", "TransInconpleteInstruction", "TransManualEntries", "TransManualTrans", "TransNonSterling", "TransPOSSaleForeign", "TransPriPaymentPost", "TransPOSSaleUK", "TransReturnPayment", "TransReconciliationPerTrans", "TransStandingOrdAdmin", "TransStandingOrd", "TransStandingOrdManPay", "TransTravellersChqOtherBank", "TransTelBusiPriPaymentForeignToUKAcc", "TransTeleItem", "TransTelBusiPriPaymentToGrpAcc", "TransTravellersChqRate", "TransTransferExGroup", "TransUnauthorisedPaidTrans", "TransUrgentPaymentPostal", "TransUnpaidTrans", "TransTelBusiPriPaymentToNonGrpAcc", "TransSWIFTOutNonEEASterling", "AutoAutoCredit", "AutoAutomatedEntries", "AutoAutoCreditPhoneInet", "AutoAutomatedTrans", "AutoDebitCardCommercial", "AutoFPSAutoCredit", "VisaConvertAbroadForeign", "VisaBureauDeChange", "VisaTravellersChqorCurrency", "OnlineInternetBillPayment", "OnlineBusinessOnlineEuroPayment", "OnlineBusinessOnlineUrgentEuroPayment", "OnlineBusinessOnlineForeignPayment", "OnlineInterbankTransfer", "OnlineInterbankPerTransfer", "OnlineInterbranchTransfer", "OnlineInterbranchPerTransfer", "OnlineSubscriptionMonthly", "OnlineBankingPayment", "OnlineBankingSubscription", "OnlinePOSSale", "OnlinePersonalCustAncillarys", "OnlinePersonalCustService", "OnlinePersonalCustOverlimits", "OnlineReplacementCardReader", "OnlinePersonalCustSetUp", "OnlinePersonalCustTransaction", "OnlinePaymentinGBPtoUK", "OnlineUrgentPayment", "OnlinePaymentinUSDtoUS", "OnlineBulkDirectDebSterling", "ForeignChqSent", "ForeignChqSelf", "ForeignChqEncashment", "ForeignFXInwardsCust", "ForeignFXTransfersROI", "ForeignFXForwardTrans", "ForeignFXTransfersBOI", "ForeignExMaintenance", "ForeignFXInwardsNonCust", "ForeignFXOutwards", "ForeignPurchase", "ForeignStatusRep", "ForeignChqDraft", "ForeignChqCLess", "ForeignChqMLess", "ForeignChqOther", "ForeignChqMPlus", "ForeignChqCCC", "ServiceCAccountFee", "ServiceCAccountFeeMonthly", "ServiceCAccountFeeQuarterly", "ServiceCBalanceHandling", "ServiceCFixedTariff", "ServiceCBusiDepAccBreakage", "ServiceCMonitorDaily", "ServiceCManagementFee", "ServiceCMinimumMonthlyFee", "ServiceCMonitorMonthly", "ServiceCMonitorWeekly", "ServiceCSecurityFee", "ServiceCMT940AccountFirst", "ServiceCMT940AccountSubsequent", "ServiceCOther", "CounterCoinHandling", "CounterCashIn", "CounterCashInNotUs", "CounterCashOut", "CounterCashX", "CounterForeignCashMax", "CounterForeignNoteHandling", "CounterForeignCashOut", "CounterCashFeeRate", "CounterForeignCashOutTx", "CounterCounterLodgement", "CounterCashDropLodgement", "CounterNotesLodged", "CounterNotesOut", "CounterCashInOwn", "CounterPaidTrans", "CounterCashFeePercent"]
},
"Other": {
"description": "Describe other fee type",
"type": "string"
},
"StartPromotionOrFutureTerms": {
"description": "Describes the start date",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"StopPromotionOrFutureTerms": {
"description": "Describes the end date",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"LengthPromotionalInDays": {
"description": "Describes the length if only a duration is given instead of a date",
"type": "integer"
},
"DateOfChange": {
"description": "Date of the change if it refers to future terms",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"FeeSubDetails": {
"description": "Fee Sub Details",
"type": "object",
"properties": {
"FeeFrequency": {
"description": "Triggering frequency of the fee",
"type": "string",
"enum": ["AcademicTerm", "AccountClosing", "AccountOpening", "AtTimeOfLoanRepayment", "ChargingPeriod", "Daily", "EveryFiveBusinessDays", "Item", "Monthly", "OnAccountAnniversary", "PerHour", "PerOccurrence", "PerSheet", "PerTransactionAmount", "PerTransactionPercentage", "Quarterly", "SixMonthly", "StartOfLoan", "StatementMonthly", "Weekly", "Yearly"]
},
"FeeAmount": {
"description": "Fee in GBP",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"FeeMin": {
"description": "Fee in GBP",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"FeeMax": {
"description": "Fee in GBP",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"FeeRate": {
"description": "% Rate",
"type": "string",
"pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
},
"Negotiable": {
"description": "Indicates that this Fee Rate or Fee Amount is negotiable based on risk or other factor",
"type": "boolean"
},
"RepresentativeRate": {
"description": "Representative Rate",
"type": "string",
"pattern": "^-?\\d{1,3}\\.\\d{1,4}$"
},
"FeeLowerTier": {
"description": "Lower occurrence / range boundary e.g. For returned cheques this could be 0, which means the first returned cheque fits into this range",
"type": "integer"
},
"FeeHigherTier": {
"description": "Higher occurrence / range boundary e.g. For returned cheques this could be 10, which means the first 10 returned cheque fits into this range",
"type": "integer"
},
"FeesAndChargesNotes": {
"description": "Supplementary information for fees and charges",
"type": "string"
}
},
"required": ["FeeFrequency", "Negotiable"],
"additionalProperties": false
}
},
"required": ["FeeType", "FeeSubDetails"],
"additionalProperties": false
}
},
"required": ["FeeSubType", "FeeDetail"],
"additionalProperties": false
},
"minItems": 1
}
},
"required": ["FeeDetails"],
"additionalProperties": false
}
},
"required": ["ProductState", "Fees"],
"additionalProperties": false
},
"minItems": 1
},
"Benefits": {
"description": "Benefit",
"type": "object",
"properties": {
"Benefit": {
"description": "Describe one or more benefits if they exist",
"type": "boolean"
},
"BenefitGroup": {
"type": "array",
"items": {
"description": "Benefit Interest Group",
"type": "object",
"properties": {
"BenefitSubType": {
"description": "Benefit Subtype Code",
"type": "string",
"enum": ["FutureMultipleTerms", "Promotional", "Regular"]
},
"BenefitItem": {
"description": "Benefit Item",
"type": "object",
"properties": {
"StartPromotionOrFutureTerms": {
"description": "Describes the start date",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"StopPromotionOrFutureTerms": {
"description": "Describes the end date",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"LengthPromotionalInDays": {
"description": "Describes the length if only a duration is given instead of a date in days",
"type": "integer"
},
"DateOfChange": {
"description": "Date of the change if it refers to future terms",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"BenefitDetail": {
"type": "array",
"items": {
"description": "Benefit detail",
"type": "object",
"properties": {
"BenefitType": {
"description": "Type that represents the nature of the benefit",
"type": "string"
},
"BenefitName": {
"description": "The name of the benefit",
"type": "string"
},
"BenefitValue": {
"description": "The value or values permissible for a specific benefit for an individual product representing a product characteristic",
"type": "string"
},
"DefaultToAccounts": {
"description": "Is the benefit part of the default account",
"type": "boolean"
},
"BenefitID": {
"description": "Unique benefit identifier per organisation",
"type": "string"
},
"CriteriaType": {
"type": "array",
"items": {
"description": "Criteria that is required in order to be eligible for the Benefit",
"type": "string",
"enum": ["CashDeposit", "Deposit", "DirectDebit", "InitialDeposit", "InternetLogon", "MobileLogon", "RegularDeposit"]
}
},
"MinimumCriteria": {
"description": "Minimum amount for the criteria",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"MaximumCriteria": {
"description": "Maximum amount for the criteria",
"type": "string",
"pattern": "^-?\\d{1,10}\\.\\d{1,2}$"
},
"Counter": {
"description": "Counter for the criteria (e.g. number of DD)",
"type": "integer"
},
"BenefitDescription": {
"description": "A textual explanation of what the benefit is",
"type": "string"
},
"PromotionStartDate": {
"description": "If the benefit is temporal the start date is when the benefit comes into effect",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
},
"PromotionEndDate": {
"description": "If the benefit is temporal the end date is when the benefit is no longer applicable",
"type": "string",
"pattern": "^[0-9]{4}-(0[1-9]|(1[0|1|2]))-((0[1-9])|((1|2)[0-9])|(30|31))$"
}
},
"additionalProperties": false
}
}
},
"additionalProperties": false
}
},
"required": ["BenefitItem"],
"additionalProperties": false
}
}
},
"required": ["Benefit"],
"additionalProperties": false
}
},
"required": ["Organisation", "ProductName", "ProductIdentifier", "ProductTypeName", "ProductURL", "ProductSegment", "ProductDescription", "TsandCs", "CustomerAccessChannels", "Currency", "MinimumLoanTerm", "MaximumLoanTerm", "MinimumLoanAmount", "MaximumLoanAmount", "PaymentHoliday", "LoanItem", "Eligibility", "FeesAndCharges", "Benefits"],
"additionalProperties": false
}