BANKSapi BANKS/Connect

OpenAPI and Swagger

Please check out our OpenAPI v3 documentation:

You may also have a look at BANKS/Connect's Swagger UI.

Interface strategy

The APIs are created according to the REST paradigm with respect to the architectural style HATEOAS. Because of the addressing logic shifted to the server, it is possible to extend the API organically without causing breaks for the callers.

If a modification cannot be implemented in a downward-compatible manner, previous versions of the interface are provided in parallel as required over a reasonable transition period.

The interface is always called via HTTPS encryption. We currently offer JSON as a data exchange format, but if required, an extension by further formats in the future is not excluded.

Structure of interface and documentation

The interface is divided into three sub-APIs Banks/Connect Customer, Banks/Connect Providers API and BANKSapi Auth API, which are briefly described in the following sections. For further information please refer to the comprehensive Sub-API documentation.

Central concepts of the BANKSapi Banks/Connect interface like Authentication are described in the chapter of the same name within this document. Furthermore, concepts applicable to the respective sub-API are described in the respective API documentation.

Before it gets started

{
  "left": "navigation",
  "center": "text",
  "right": "code"
}

In addition to the explanatory texts, examples of the data in JSON format are provided where we found it helpful.

$ curl https://banksapi.io/hello/ \
  -X GET \
  -H 'Expect: ' \
  -H 'Accept: application/json'

To show an example of the interface calls, we use the command line tool curl(1) in version 7.43.0. Unless otherwise stated, these examples can be executed directly in the command line and return data according to the success case.

Feedback

This documentation is primarily intended to be helpful. We are therefore pleased to receive your criticism and suggestions, which you can send to support@banksapi.de.

APIs

BANKS/Connect Auth API

The protection of personal data has the highest priority at BANKSapi. Encryption and security tokens used throughout the entire process are central components of our security concept.

The BANKSapi Auth API provides functions for managing Users. Using the OAuth2 protocol, you can create tokens to enable only those functions that are necessary for the respective use case.

For comprehensive information about the BANKSapi Auth API, see the Interface Documentation.

BANKS/Connect Customer API

{
    "1cb1126d-360d-412d-a74f-985414f57ea3": {
        "status": "VOLLSTAENDIG",
        "aktivesSicherheitsverfahren": {
            "kodierung": 1,
            "name": "Mock-TAN",
            "hinweis": "Mock-TAN"
        },
        "aktualisierungszeitpunkt": "2016-06-10 17:17:40",
        "timeout": "2016-12-24 13:37:42",
        "bankprodukte": [],
        "sync": false,
        "tanMedien": [{
            "gueltigVon": "2016-06-03 17:17:41",
            "gueltigBis": "2016-06-03 17:17:41",
            "name": "Mobil",
            "medienklasse": "MOBIL"
        }],
        "sicherheitsverfahren": [{
                "kodierung": 2,
                "name": "mTAN",
                "hinweis": "mTAN"
            },
            {
                "kodierung": 1,
                "name": "Mock-TAN",
                "hinweis": "Mock-TAN"
            }
        ],
        "messages": [{
            "level": "INFO",
            "code": "BA3010",
            "message": "SCA benötigt",
            "details": "Bitte wählen Sie eine SCA-Methode aus"
        }],
        "relations": [{
            "rel": "set_method",
            "href": "https://banksapi.io/v2/customer/consent/1345340218050910215PSDDE-BAFIN-152070CO4960JJ"
        }]
    }
}

At the heart of BANKSapi Banks/Connect is the BANKS/Connect Customer API, which enables your end customers to access their financial life and perform payments within your product.

Comprehensive information about the API can be found in the interface documentation. So that you can get to the we have written a Quick Start Guide.

BANKS/Connect Providers API

Not all banks are the same. Therefore we provide you a comprehensive configuration database of data on the banks and service providers supported by BANKSapi BANKS/Connect via the BANKS/Connect Providers API

In addition to general primary data such as the name, bank group, BLZ and BIC, you also receive detailed machine-readable information on login modalities so that you can optimize the user experience of your application when creating bank accesses.

Comprehensive information about the BANKS/Connect Providers API can be found in the interface documentation.

BANKS/Connect AI API

Every user is different. AI/Connect solutions translate account information for financial service providers into specific information about the customers’ finances. This allows financial service providers to offer individual financial solutions to each user. AI/Connect differs from our other APIs mainly in that it contains derived data. Through artificial intelligent this data is extrapolated and interpreted. Therefore, BANKSapi AI Endpoints first categorizes individual transactions along the dimensions of spending type, spending frequency and business partner. Later these transactions of a specific user are aggregated and used as inputs to the next level of machine learning models to categorize the user along different dimensions such as monthly budget structure, spending habits across time and across spending categories, life stages.

Comprehensive information about the BANKS/Connect Providers API can be found in the interface documentation

Central Concepts

Authentication

Authentication is a very important topic, but in the end it is only a means to an end. Therefore, we avoid this topic in our Quickstart guide as far as possible without bothering you. So you can concentrate on the core of your requirement and move the details to a little later.

With BANKSapi BANKS/Connect there are generally three types of authentication:

Authentication as client via OAuth 2.0 client token
Authentication as user via OAuth 2.0 user token
Authentication with the bank or service provider using encrypted provider credentials

Furthermore, the BANKSapi Auth API has its own admin client with which you can create and manage users.

Which form of authentication is used when, can be found at the appropriate place in the sub-API documentation As a general rule, every inquiry is to BANKSapi BANKS/Connect in the context of a client. This is already sufficient for a few, e.g. for the provider query. The entire functionality is developed by BANKSapi Banks/Connect using a user token and a few bank access points.

Bank

In conjunction of BANKSapi BANKS/Connect, we refer to the banking institutions from which we collect the data on your behalf as "bank". In the context of BANKSapi BANKS/Connect they are grouped together with the service providers as Providers.

The banks activated for you in BANKSapi Banks/Connect can be accessed via the Banks/Connect Providers API.

User

The unique user is also the central billing criterion. Further details are regulated by your cooperation agreement.

A user forms a bracket around the data retrieved about a person from the various banks or service providers.

With BANKSapi BANKS/Connect the users belong to you, the client. Access to the financial data of your users is provided via the Banks/Connect Customer API.

With the Banks/Connect Auth API you can manage your users.

Client

We use the term client for both, your application(s) and an "admin-client" which allows you to manage your users. From our point of view a client is therefore a set of access data for BANKSapi BANKS/Connect.

With a client ID, client tokens can be obtained via the BANKS/Connect Auth API via OAuth2. These tokens can then be used to access the other functions in the BANKS/Connect Customer API or BANKS/Connect Providers API.

Correlation ID

GET / HTTP/1.1
x-correlation-id: c129b93a-9b5c-11e6-a112-480fcfb9550f

The Correlation-ID is used to track requests across all systems. The Correlation-ID can be passed to the BANKSapi APIs as HTTP header X-Correlation-ID.

If it is not passed, the BANKSapi APIs generate their own ID.

In any case, the value is also returned as the HTTP response header X Correlation ID.

CORS

More information about CORS on Wikipedia.

BANKSapi Banks/Connect supports Cross Origin Resource Sharing (CORS). This makes it possible to call our APIs directly from the browser, for example in a single-page app.

Errors

Unfortunately, mistakes cannot always be avoided, but they can be treated. Especially with external dependencies such as banks and service providers, which are connected via BANKSapi BANKS/Connect, we have no influence on their (usually very high) availability.

For that reason we provide message objects in the BANKS/Connect Customer API that contain a code, a generic error description suitable for displaying to your end customer, as well as a more detailed message for your internal error handling.

For errors that are more technical in nature we work with the whole range of HTTP status codes. This encompasses errors such as syntax errors, bad authentications, parallel requests, networking problems and the like.

For details about the possible message objects and the HTTP status codes, see the Errors and Messages section in the BANKS/Connect Customer API documentation.

HATEOAS

More information about HATEOAS on Wikipedia.

HATEOAS is short for "Hypermedia as the Engine of Application State". Here the client of a REST interface navigates only to URLs that are provided by the server and that are reachable regarding the "current context". These URLs are identified by names that convey semantic information about the URL. Accordingly, there are only a few fixed URLs that must be known to the calling party.

These URLs are communicated to the caller in the form of Relations in the current document or in the HTTP response header "Location".

Timestamp

for example:
2016-09-03 04:27:00
2019-12-04 13:37:00
2010-01-01 22:03:54

Timestamps are always output without time zone information. They correspond to the format ISO 8601 in the form YYYY-MM-DD hh:mm:ss. Data is to be interpreted according to the time zone Europe/Berlin.

JSON

{
  "aString": "Lorem ipsum dolor annat",
  "anInteger":42,
  "aFloat":42.1337,
  "aBool":true,
  "aDate": "1969-07-20",
  "aTimestamp": "2016-09-03 04:27:00",
  "anArrayOfInteger":[1,2,3],
  "anArrayOfStrings":["one", "two", "three"],
  "anObject":{
     "cat": "kitten",
     "dog": "puppy"
  }
}

The BANKSapi Banks/Connect interfaces use the JSON (JavaScript Object Notation) for data exchange. Attributes without values are not delivered as "null", but "missing" in the document. We deliver and expect date values according to ISO 8601 formatted as string.

In the case of exchanged JSON documents, it should also be noted that every consumer must ignore unknown attributes. This applies in particular to enumeration types whose extension is regarded as downwards compatible.

When JSON is delivered, the Content-Type header "Content-Type: application/json" must always be included. With "null" values it does not matter whether fields are sent as "null" or not at all, unless they are mandatory fields.

Client

There is also a demo client, which is used for example in our Quick Start Guide.

This is you or the company that has concluded a cooperation agreement with us. The client includes Clients and Users.

As a client you have access to our first-class support and benefits from the permanent development of BANKSapi BANKS/Connect. And of course you will see more data than just our demo bank.

If you are interested, please contact with us.

OAuth2

All calls to the BANKSapi interfaces must be made with a valid OAuth2 token. For some operations, a client token (without a specific user) is sufficient.

Details on user and client management are described in the BANKSapi Auth API.

Token types

BANKSapi is working in a 2-legged OAuth2 setting. This means you will be supplied a refresh token. With this, you will have to fetch a fresh access token for almost all calls within our APIs.

The refresh token (actually a set of Basic Auth credentials) is valid for a long time and used exclusively to fetch new access tokens. It is a Basic token, you will have to authenticate with Authorization: Basic <base64EncodedCredentials>

An access token has a validity of 24hrs, after which you will need to create a new token. Depending on your design and use case, we recommend that you either keep track of the validity and fetch a new token in time, or you fetch a new access token per business transaction, in which case you can go without persistence of the token. You will have to authenticate with Authorization: Bearer <bearerToken>

Token levels

Access tokens can be on client or on user level. If nothing is explicitly documented in the corresponding use case, the call with a unique user is assumed. Bear in mind you can't do calls like e.g. add a new bank access on a client (i.e. management) level as these would be available for all users, but only on user level. But a user can't create new users, this must be done on a management level.

Token usage

When calling, the token must be transferred according to the OAuth2 standard in the header "Authorization: Bearer ...". If this header is missing or the token is invalid, the interface responds with the HTTP status code 401 (Unauthorized). If the token does not contain the necessary authorizations, the HTTP status code 403 (Forbidden) is reported.

Provider

As providers we refer to the connected banks and service providers in a very abstract way. The connection is made using a wide variety of technologies and at the end the collected data will be converted into a uniform format for you.

Relation

{
    "rel": "say_hello",
    "href": "https://banksapi.io/hello/"
}

A relation corresponds to an application or business transaction that is supported by the surrounding data object. For every application and business transaction, there is a separate documentation that describes both the call and the return or the possible alternative response scenarios in the in detail.

Each relation consists of a keyword (e.g. "get_kontoumsaetze") and a URL. A client that is interested in the transactions of a bank product calls the specified URL with the HTTP verb specified in the documentation.

REST

Recommended reading: Roy Fielding: REST APIs must be hypertext-driven

Our APIs are implemented as REST patterns (Representational State Transfer). Consequently, they are usable via the HTTP protocol and use more HTTP verbs as GET and POST only.

Furthermore, we strive to meet the requirements of the REST inventor Roy Fielding for a REST API by reflecting on the HATEOAS architectural style to do justice to this.

Service Provider

Service providers are connected financial institutions that are not a bank. In the context of BANKSapi Banks/Connect they are also more generally referred to as Provider.

Information about service providers can be obtained through the BANKS/Connect Providers API.

Language

The German banking landscape is very German-speaking, and therefore one lands in detail quite fast in the search for an appropriate translation in a dead end (or half-silk translation). However, as engineers it is also obvious to us to "program in English".

In order to get out of this dilemma, we decided to leave technical terms from the banking environment in German and to use all other terms from English to import. To avoid a too heavy "Denglish", we have decided to import German as well.

Otherwise BANKSapi Banks/Connect is mainly programmed in Java and some other JVM languages.

Encryption

{
  "plaintext": "BANKSapi",
  "Ciphertext": "ONAXFncv"
}

In order for BANKSapi BANKS/Connect to access the data of the banks, the access data must be available. Since this information is extremely sensitive, the access data is protected by strong asymmetric encryption. You will receive an RSA public key at the beginning of the cooperation. The secret counterpart lies with us. Thus the access data can be encrypted but not decrypted.

The procedure is described in detail in the documentation for the Banks/Connect Customer API.

We check the quality of our TLS configuration with the tool Qualys SSL Labs.

Otherwise, of course, the transport route is encrypted using TLS (HTTPS).

Versioning

Semantic versioning even has its own semantically versioned manifest.

The interfaces are semantically versioned (X.Y, e.g. 2.0). If the Y value increases, a correctly implemented Client will continue to work without restrictions, but of course does not use the new functions. In the event of a change of X, the client must be adapted, since the change was not backward compatible. Previous major versions (X) will be is still supported for a while after the introduction of the incompatible subsequent versions, if this makes sense from a technical point of view.

Quick Start

What We're Going to Do

We'd like to guide you through the first steps you're probably going to take with our interface: You will probably want to create a first user and add a bank access for them. This will give you a good first impression on what data is available through our API, how to interact with it in general as well as some of the concepts we're using.

For starters, bear in mind we're basing our authentication on the (2-legged) OAuth2 protocol. Therefore, you will be supplied with a "refresh token" in order to fetch a new access token.

Create a Client Token

POST /auth/oauth2/token HTTP/1.1
Host: banksapi.io
Authorization: Basic c29<...>U=
Content-Type: application/x-www-form-urlencoded

grant_type=client_credentials

The first step will be to fetch a fresh access token on management level in order to be able to create a new user. For this, we will use the Create Token call. You can see the call on the right.

In order to adhere to the OAuth2 standard, this call is the only one in the API that uses content typeapplication/x-www-form-urlencoded for the payload.

The only required field of this call is grant_type, which we fill with client_credentials, because we want to create a token on management (i.e. client) level. The scope parameter can be left out, in which case we will receive the full scope. If at a later point we want to limit this for security or design reasons, we can add the scopes that we'd like this token to have.

{
    "scope": "http://banksapi.io/customer/read http://banksapi.io/provider/read http://banksapi.io/customer/modify http://banksapi.io/customer/ueberweisung auth/tenants/users/create",
    "tenant": "demotenant",
    "client": "demoTenantClient",
    "additionalData": {},
    "validTo": "2020-10-08 09:16:03",
    "access_token": "edbc0a13-19c3-4a10-ac96-bbfe900a0a06",
    "token_type": "Bearer"
}

The response we can see on the right: Together with some additional data, we receive an access_token of type Bearer, valid for 24hrs, for our tenant demotenant. Make note of the tenant name, we'll need it in the next call.

Create a User

With the new token we've just created, we will now create our first user.

POST /auth/mgmt/v1/tenants/demotenant/users HTTP/1.1
Host: banksapi.io
Content-Type: application/json
Authorization: Bearer edbc0a13-19c3-4a10-ac96-bbfe900a0a06

{
    "username": "user1",
    "password": "password1"
}

For this, we will use the Create User call. You can see the call on the right. The required fields are username and password, so we will set these values.

The Content-Type is application/json in this (as in every other) case, and we use the new Bearer token as Authorization. As a last parameter, note the tenant id in the URL, because we're creating a user for that (your) tenant. This is the same tenant that we have received in the response of the previous call.

The response will be an HTTP 201 Created success status response with no body, indicating the user has been created.

Create a User Token

POST /auth/oauth2/token HTTP/1.1
Host: banksapi.io
Authorization: Basic c29<...>U=
Content-Type: application/x-www-form-urlencoded

grant_type=password&username=user1&password=password1

Now we need to fetch a fresh access token on the user level. As in the first call, we will use the Create Token call, but with different parameters. You can see the call on the right.

This time, as we're fetching a token on user level, we are using grant_type=password, not client_credentials. This is according to the OAuth2 password grant. Of course, for username and password we're using the values that we have specified in the previous call.

{
    "scope": "http://banksapi.io/provider/read http://banksapi.io/customer/read http://banksapi.io/customer/modify http://banksapi.io/customer/ueberweisung auth/tenants/users/create",
    "tenant": "demotenant",
    "client": "demoTenantClient",
    "user": "0049e4d6-824f-4839-823d-7a2ad4660c4e",
    "additionalData": {
        "username": "user1"
    },
    "validTo": "2020-10-08 10:56:47",
    "access_token": "0bac1d52-4eb0-4fe2-951e-cf6ff9dc4235",
    "token_type": "Bearer"
}

As a response, we receive a similar JSON object as before. This time, as additionalData we receive the username to indicate it's a token on user level.

That's it for the Auth API, all subsequent calls we'll make with the Customer API with our new Bearer token on user (i.e. customer) level.

Create Bank Access

With the new token, we can access the full range of customer interactions. But as the user has not added a bank access yet, our options are somewhat limited. So next we're going to add a bank access for that user.

Now it gets tricky: For this operation, you will need to differentiate whether you are a regulated or a non-regulated customer. Non-regulated customers will not be allowed to receive the credentials to a provider (e.g. a bank) on their own domain. These are considered sensitive payment information and the handling of this is regulated by the authorities. Therefore, they will have to redirect the customer to us, the customer will select a bank and enter sensitive payment information on a BANKSapi frontend (REG/Protect) and complete the authorization flow, then the customer is redirected back to you.

POST /customer/v2/bankzugaenge HTTP/1.1
Host: banksapi.io
Content-Type: application/json
Authorization: Bearer 0bac1d52-4eb0-4fe2-951e-cf6ff9dc4235

{
    "629e4510-5331-47d4-9bad-8902039ff762": {
    }
}

For adding a new bank access, we will use the Add Bank Access call. You can see the call on the right.

No surprises in the headers, Content-Type is application/json as with all the calls in the Customer API, Authorization is our new Bearer token on user level.

The payload requires a bit of explanation: A bank access is referenced by a UUID. Because it might be necessary for you to query the bank access object without any response from BANKSapi, this UUID needs to be chosen and set by you. Therefore, the UUID visible in the body is a new UUID that you need to create with a suitable UUID generator.

It is very advisable except in some very rare cases to use a a completely new UUID, rather than any UUID corresponding to the user. Don't be tempted to use the user UUID that was returned in the previous call. Although it looks simple, it will lead to problems when you add the second bank access for this user, because what will it be referenced by?

The banks access object (referenced by the UUID) is empty in this case as in {}. The reason is that in the REG/Protect case, you can neither send us a credentials object (this would require a regulatory license to handle sensitive payment data) nor a provider ID (the user will be able to select the bank in the REG/Protect wizard). The last optional flag, sync, indicates whether the bank access should be persisted on BANKSapi end. For REG/Protect clients, this must be true (which is also the default value) and can therefore be omitted.

HTTP/1.1 451 Unavailable For Legal Reasons
Location: https://banksapi.io/customer/v2/webform?session=ef2fdd3b-a087-447b-843c-670325d003f4&useCase=CREATE_ACCOUNT

The result will be an HTTP 451 Unavailable for Legal Reasons status response with no body. Admittedly used rarely, for this case it's the perfect response code, indicating you are not allowed to create a bank access yourself (for legal reasons) but will have to have us do it for you.

In the background, we have created the corresponding frontend session already and are prepared to have the user come to our domain for completing the process. The URL of our frontend will be delivered through the Location respone header.

In order for us to know where to redirect the user after completion, you will need to add a callbackUrl query parameter to the URL before redirecting the user there, as indicated in the docs on Adding and authenticating bank access. This callback URL needs to be URL encoded

In our example, we would therefore redirect the user to https://banksapi.io/customer/v2/webform?session=ef2fdd3b-a087-447b-843c-670325d003f4&useCase=CREATE_ACCOUNT&callbackUrl=http%3A%2F%2Fexample.com (or, for the first tests, open it in the browser ourself).

Now you can relax for a bit, the user will be completing the process on our frontend:

Step	Screenshot
Accepting our T&Cs (only once per user, for the second bank access this step will be omitted)
Selecting a provider
Entering the credentials
Confirming accounts
Being redirected back to you

The user will be redirect back to the URL you specified previously in callbackUrl, together with a query parameter baReentry indicating the result (normally ACCOUNT_CREATED).

That's it, the account has been created. In the background, we were already communicating with the user's bank or provider, fetching and analyzing data. You can now query the data, continuing with the next requests.

Query Bank Access

GET /customer/v2/bankzugaenge HTTP/1.1
Host: banksapi.io
Authorization: Bearer 0bac1d52-4eb0-4fe2-951e-cf6ff9dc4235

Next up, let's check if the bank access is there and what options we have to go on. We'll use the Get Bank Accesses call, so query all bank accesses of that user instead of a specific one referenced by the ID you chose earlier. You can see the call on the right.

{
    "629e4510-5331-47d4-9bad-8902039ff762": {
        "id": "629e4510-5331-47d4-9bad-8902039ff762",
        "providerId": "00000000-0000-0000-0000-000000000000",
        "aktualisierungszeitpunkt": "2020-10-07 13:26:13",
        "tanMedien": [
            {
                "name": "Mobil",
                "medienklasse": "MOBIL",
                "gueltigVon": "2020-10-07 13:26:13",
                "gueltigBis": "2020-10-07 13:26:13"
            }
        ],
        "sicherheitsverfahren": [
            {
                "kodierung": 902,
                "name": "mockPhotoTAN",
                "hinweis": "Scanne das Bild. Das Ergebnis ist \"8534842\""
            },
            {
                "kodierung": 1,
                "name": "mockTAN",
                "hinweis": "Gib eine durch 2 teilbare Zahl ein"
            }
        ],
        "aktivesSicherheitsverfahren": {
            "kodierung": 1,
            "name": "mockTAN",
            "hinweis": "Gib eine durch 2 teilbare Zahl ein"
        },
        "relations": [
            {
                "rel": "self",
                "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762"
            },
            {
                "rel": "delete_bankzugang",
                "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762"
            },
            {
                "rel": "get_issues",
                "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/issues"
            }
        ],
        "status": "VOLLSTAENDIG",
        "bankprodukte": [
            {
                "id": "DE00123456789012345678",
                "status": "VOLLSTAENDIG",
                "bezeichnung": "Girokonto",
                "kategorie": "GIROKONTO",
                "saldo": 2145.78,
                "aktualisierungszeitpunkt": "2020-10-07 13:26:13",
                "saldoDatum": "2020-10-07 00:00:00",
                "waehrung": "EUR",
                "kontonummer": "9012345678",
                "iban": "DE00123456789012345678",
                "bic": "XXX12345678",
                "blz": "12345678",
                "kreditinstitut": "Demo Provider",
                "inhaber": "Fritz Testmüller",
                "relations": [
                    {
                        "rel": "start_ueberweisung",
                        "href": "https://banksapi.io/customer/v2/ueberweisung/00000000-0000-0000-0000-000000000000/DE00123456789012345678"
                    },
                    {
                        "rel": "self",
                        "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/DE00123456789012345678"
                    },
                    {
                        "rel": "get_kontoumsaetze",
                        "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/DE00123456789012345678/kontoumsaetze"
                    },
                    {
                        "rel": "get_kontoumsaetze_tagged",
                        "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/DE00123456789012345678/kontoumsaetze?tag=true"
                    },
                    {
                        "rel": "get_kontoumsaetze_insurances",
                        "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/DE00123456789012345678/kontoumsaetze?tag=insurances"
                    },
                    {
                        "rel": "get_kontoumsaetze_business_partners",
                        "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/DE00123456789012345678/kontoumsaetze?tag=business-partners"
                    }
                ],
                "messages": [],
                "ueberziehungslimit": 3000.0,
                "verfuegungsrahmen": 2045.78,
                "verfuegterBetrag": 100.0
            },
            {...}
        ],
        "sync": true
    }
}

As a response, the server will return the (now filled) bank access object we created earlier. Find a sample response on the right.

Wow, there's is a lot going on, so let's dissect:

Top level, we have an object representing a collection of all bank accesses of that user. In this case, we have yet only created one, so the collection has one entry with the key 629e4510-5331-47d4-9bad-8902039ff762, which is the UUID we chose earlier for the bank access.

In that object, representing this specific bank access, we have some attributes: There's the id again, no surprise there, there is a providerId, which we could use to query some info on the bank the user chose through a Get Provider call, there is an aktualisierungszeitpunkt which represents the timestamp of the last update (in which we fetched fresh data from the bank), there is some meta info on SCA (sicherheitsverfahren and aktivesSicherheitsverfahren) which is probably not interesting for you right now, a status flag which should be VOLLSTAENDIG by now and an indication of the sync flag, i.e. whether this bank access is persisted on BANKSapi side, can be queried by you any time in the future and will be refreshed from the bank up to four times a day.

Next, there is an array relations, that contains actions that you can take with this bank access and the corresponding URL. See our chapter on HATEOAS for more info on this design.

Then there is another array, bankprodukte. Remember, under one bank access can be multiple bank products, as you can have several accounts with a bank that you can all access with the same set of credentials.

{
    "id": "DE00123456789012345678",
    "status": "VOLLSTAENDIG",
    "bezeichnung": "Girokonto",
    "kategorie": "GIROKONTO",
    "saldo": 2145.78,
    "aktualisierungszeitpunkt": "2020-10-07 13:26:13",
    "saldoDatum": "2020-10-07 00:00:00",
    "waehrung": "EUR",
    "kontonummer": "9012345678",
    "iban": "DE00123456789012345678",
    "bic": "XXX12345678",
    "blz": "12345678",
    "kreditinstitut": "Demo Provider",
    "inhaber": "Fritz Testmüller",
    "relations": [{
            "rel": "start_ueberweisung",
            "href": "https://banksapi.io/customer/v2/ueberweisung/00000000-0000-0000-0000-000000000000/DE00123456789012345678"
        },
        {
            "rel": "self",
            "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/DE00123456789012345678"
        },
        {
            "rel": "get_kontoumsaetze",
            "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/DE00123456789012345678/kontoumsaetze"
        },
        {
            "rel": "get_kontoumsaetze_tagged",
            "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/DE00123456789012345678/kontoumsaetze?tag=true"
        },
        {
            "rel": "get_kontoumsaetze_insurances",
            "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/DE00123456789012345678/kontoumsaetze?tag=insurances"
        },
        {
            "rel": "get_kontoumsaetze_business_partners",
            "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/DE00123456789012345678/kontoumsaetze?tag=business-partners"
        }
    ],
    "messages": [],
    "ueberziehungslimit": 3000.0,
    "verfuegungsrahmen": 2045.78,
    "verfuegterBetrag": 100.0
}

This array contains (probably multiple) bank products. Let's dissect also one of the bank products, e.g. the one on the right.

Again, there is an id, this time of this specific product, there is a status which is the same as for the bank access. Again there is a lot of meta info (see the corresponding Bank Product Schema for a complete list). And there are some relations in the relations array, indicating which actions you can take next:

Relation	Explanation	Corresponding call
`self`	Query only this bank product	Get Bank Product
`start_ueberweisung`	Initiate a wire transfer from this account. This relation is only returned for accounts from which BANKSapi supports transfers, mainly payment accounts	Create Transfer
`get_kontoumsaetze`	Get turnovers for this product	Get Transactions
`get_kontoumsaetze_tagged`	Get turnovers for this product, tagged (categorized)	Get Spending Tags
`get_kontoumsaetze_insurances`	Get turnovers for this product, tagged with insurance tags (only the ones that are insurance turnovers of course)	Get Insurance Tags
`get_kontoumsaetze_business_partners`	Get turnovers for this product, tagged with normalized business partners

We're interested in the turnovers of this account, so we'll fetch those next, using the get_kontoumsaetze relation.

Query Turnovers

GET /customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/DE00123456789012345678/kontoumsaetze HTTP/1.1
Host: banksapi.io
Authorization: Bearer 0bac1d52-4eb0-4fe2-951e-cf6ff9dc4235

The turnovers we can query with a bank-product-specic URL, given to us through the get_kontoumsaetze relation earlier. We'll use that URL with the Get Transactions call. You can see the call on the right.

[
    {
        "id": "1975f080-0001-b4f7-727b-aec310895541",
        "betrag": -100.0,
        "verwendungszweck": "GA NR00006110 BLZ70020270 3 07.02/14.29UHR MÜNCHEN,KARD EUR 100,00 ENTGELT 0,00 Ref. 3QL15041A1357856/83343",
        "buchungstext": "",
        "buchungsdatum": "2020-10-05 00:00:00",
        "wertstellungsdatum": "2020-10-02 00:00:00",
        "gegenkontoInhaber": "",
        "gegenkontoIban": "",
        "gegenkontoBic": "",
        "primanotaNummer": "0",
        "hash": "1b4f7727-baec-3107-9554-1cf472933ccf"
    },
    {...}
]

As a result, we're greeted with an array of turnovers. For details on the attributes, head over to the Transaction Schema

Force a Refresh of Data From the Bank

POST /customer/v2/bankzugaenge?refresh=true HTTP/1.1
Host: banksapi.io
Content-Type: application/json
Authorization: Bearer 0bac1d52-4eb0-4fe2-951e-cf6ff9dc4235

{
    "629e4510-5331-47d4-9bad-8902039ff762": {
    }
}

Although we refresh synced bank accesses up to four times a day, in some cases, you might want to force BANKSapi to fetch fresh data from the provider. It is therefore a good idea to implement some kind of refresh button for the user, which in turn should force an actual refresh from the bank and not just return cached data from BANKSapi.

In order to force BANKSapi to fetch fresh data, we will use the same call that we used when creating a bank access, only this time we are using the UUID of the bank access we want to refresh, and add a refresh=true as a query parameter, as in the example on the right.

This time, this will be confirmed by a 201 Created HTTP status, indicating the refresh has been triggered. You can now query the bank access again and should see fresh data.

At some point, the user consent we create implicitly with the previous calls will run out. Bear in mind, this is the consent the users gave to us to fetch data from the bank, so the bank will honour this consent and we have no choice but to renew it. Usually, under PSD2, the consent is valid for 180 days, although some products from some banks require more frequent renewals (some even for every refresh) and there are always things that can prevent us from fetching fresh data from the bank, e.g. a locked account or the user manually removing the consent.

A renewal of consent is a fancy way of saying the user has to enter a TAN or going through a similar process with a TAN-less SCA method such as AppTAN.

We will indicate the necessity of SCA renewal with a start_sca relation. In this case, we might have been able to refresh some but not all bank products, or none at all, and will remain in this state until the user refreshes their consent. In the meantime, you will still be able to query data from BANKSapi, but it will not be the most recent but the last state that we were still be able to fetch.

{
    "rel": "start_sca",
    "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/consent/59f168d6-3a45-4db5-bcd5-94f29d64bbfa"
},

Therefore, if you encounter a start_sca relation, you will have to have the user go through the SCA process again, similar to when they added the bank access, but without them having to chose the provider or enter their credentials. In this case, it's just the SCA process they will have to go through

HTTP/1.1 451 Unavailable For Legal Reasons
Location: https://banksapi.io/customer/v2/webform?session=c2a71efd-71b0-47ea-951a-2abcea1c8578&useCase=AUTHENTICATE_ACCOUNT

So we realize the consent has expired and the user has to complete the SCA process, because we received a start_sca relation with the bank access. Now we proceed as documented in Operations with SCA and POST to the start_sca relation. In response, we will receive a response like the one on the right. Now, the HTTP 451 Unavailable for Legal Reasons status code seems familiar, doesn't it? Now, we follow the same procedure as before while Creating the bank access, adding a callbackUrl and sending the user over to BANKSapi. When the user returns, the bank access should be fully accessible again and start_sca gone.

Query Issues

The bank access, bank products and transactions we return are in a so-called “stable” state, meaning that this is the best data that is available to us. We update this stable state only if a refresh from a bank is successful. However, if fetching a bank access yields any issues, e.g. when the user has changed their login credentials without our knowledge, the stable state is unchanged because we do not want to taint the data with “bad” new data, potentially removing transactions from the storage you are relying on because we do not “see“ them.

Inevitably, there will be an account that is not refreshed any more. It is therefore a good practice to implement the call to fetch potentials issues as well. Best case, the list of messages is returned empty and there is nothing to do.

{
    "rel": "get_issues",
    "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762/issues"
}

To fetch bank access issues, we will use get_issues relation that is returned as part of the bank access. We will receive what will look like a subset of a bank access, but in this case it is not in the "stable" state but in a state we call "tentative", i.e. containing not the best data available to us, but the latest state, and thus any issues that might have arisen during fetching updated data from the bank.

{
    "id": "629e4510-5331-47d4-9bad-8902039ff762",
    "tanMedien": [],
    "providerId": "00000000-0000-0000-0000-000000000000",
    "sicherheitsverfahren": [],
    "aktualisierungszeitpunkt": "2020-10-07 13:26:13",
    "messages": [{
        "code": "BA1011",
        "level": "ERROR",
        "details": "Ungültige Zugangsdaten",
        "message": "Zugangsdaten nicht korrekt"
    }],
    "relations": [{
        "rel": "delete_bankzugang",
        "href": "https://banksapi.io/customer/v2/bankzugaenge/629e4510-5331-47d4-9bad-8902039ff762"
    }]
}

For all errors and issues that can arise, head over to the docs on Message codes.

Where to Go From Here

You've done the first steps with our API - why not explore a bit yourself? HATEOAS makes it very easy to start exploring the API through relations - or you can go on reading this documentation.

Some hints on what to do next:

You can try to add real bank access and see what real-world data looks like
You could implement features for brokerage accounts
You can explore our AI/Connect features to learn more about the user

EBICS

Overview

This guide is intended to help you integrate EBICS bank accesses via our API. EBICS (Electronic Banking Internet Communication Standard) is a widely adopted banking transmission protocol in several European countries, particularly in Germany, France, and Switzerland. It is primarily used by corporate clients and financial institutions to facilitate the secure transfer of payment and financial transaction data over the internet.

Designed for high-volume transactions, EBICS offers a robust and secure method for businesses to communicate with their banks. It standardizes the electronic exchange of banking business data and ensures secure, direct communication between clients and banks.

Remember, we're using the OAuth2 protocol for authentication, and you will be supplied with a "refresh token" to fetch a new access token. It's advised to read about OAuth2 protocol in our documentation if unfamiliar, then proceed with the steps mentioned here.

Create an EBICS Account

The user should create an EBICS account with their bank and receive credentials: Host-ID, Host-URL, Partner-ID, and User-ID. The account should have:

Grants for C53 (preferred) or STA for transaction retrieval
AuthorizationLevel="T" for all upload business transactions: CCT (SEPA Credit Transfer), CDB (SEPA Direct Debit for companies), CDD (SEPA Direct Debit for end users)

These need to be set by account (by bank product) usually.

Call the Add Bank Access Endpoint

POST /customer/v2/bankzugaenge HTTP/1.1
Host: banksapi.io
Content-Type: application/json
Authorization: Bearer 0bac1d52-4eb0-4fe2-951e-cf6ff9dc4235

{
    "629e4510-5331-47d4-9bad-8902039ff762": {
        "ebics": true
    }
}

Call the endpoint at Add Bank Access with ebics: true.

HTTP/1.1 451 Unavailable For Legal Reasons
Location: https://banksapi.io/customer/v2/webform?session=ef2fdd3b-a087-447b-843c-670325d003f4&useCase=CREATE_ACCOUNT

This will result in a HTTP 451 Code, with a location header. Follow the instructions similar to Create Bank Access.

Redirect the User

Add a callbackUrl to the Location-Header and redirect the user to enter their EBICS credentials.

Step	Screenshot
Entering the EBICS credentials
Receiving the ini letter
The resulting ini letter that needs to be signed

Initialization Letter Generation

BANKSapi has at this point generated an initialization letter containing the hash of the keys generated. The user should download this letter, and the keys will not leave BANKSapi’s servers.

Verify the Bank Access

{
    "id": "189d22f6-2d1a-4fa3-a22e-8db0d7e47453",
    "providerId": "00000000-0000-0000-0000-000000000000",
    "aktualisierungszeitpunkt": "2023-09-14 13:40:20",
    "messages": [{
        "level": "INFO",
        "code": "BA2004",
        "message": "Bankzugang noch nicht freigeschaltet",
        "details": "Der EBICS Zugang ist noch nicht freigeschaltet."
    }],
    "tanMedien": [],
    "sicherheitsverfahren": [],
    "challenge": {
        "name": "EBICS Initialisierungsbrief",
        "content": {
            "instructions": "Bitte senden Sie den Initialisierungsbrief unterschrieben an die Bank.",
            "PDF": "data:application/pdf;base64,JVBERi0xLjQN ... 3MzUNCiUlRU9G"
        },
        "decoupled": false,
        "redirect": false
    },
    "relations": [{
            "rel": "self",
            "href": "https://banksapi.io/customer/v2/bankzugaenge/189d22f6-2d1a-4fa3-a22e-8db0d7e47453"
        },
        {
            "rel": "refresh_bankzugang",
            "href": "https://banksapi.io/customer/v2/bankzugaenge"
        },
        {
            "rel": "delete_bankzugang",
            "href": "https://banksapi.io/customer/v2/bankzugaenge/189d22f6-2d1a-4fa3-a22e-8db0d7e47453"
        },
        {
            "rel": "get_issues",
            "href": "https://banksapi.io/customer/v2/bankzugaenge/189d22f6-2d1a-4fa3-a22e-8db0d7e47453/issues"
        },
        {
            "rel": "get_challenge_pdf",
            "href": "https://banksapi.io/customer/v2/bankzugaenge/189d22f6-2d1a-4fa3-a22e-8db0d7e47453/challenge/pdf"
        }
    ],
    "type": "EBICS",
    "status": "VOLLSTAENDIG",
    "bankprodukte": [],
    "sync": true
}

After redirection to the callbackUrl and the user completing the process and returning to your website, the bank access should be in a VOLLSTAENDIG state with a BA2004 message indicating that bank access is not yet activated. The ini letter can be retrieved by you as well:

By the base64 encoded string in challenge.content.PDF
By the relation get_challenge_pdf which makes the PDF available for download through Content-Disposition: attachment;

User Sends Initialization Letter to the Bank

The user needs to print, sign, and send the letter to the bank. Some banks might accept electronic versions. Once the bank confirms the hash and activates the account, BANKSapi will be able to fetch data.

If the user has permissions beyond T-grants, BANKSapi will delete the set of keys, resulting in a BA1020 message. The EBICS user needs to be re-created with the correct credentials, and the process needs to be reiterated.

Successful Connection

If all steps are successful, and the bank has confirmed the hash, the status will be VOLLSTAENDIG with an ebics: true flag, and all endpoints for fetching the bank access, transactions, and payments will be available for this account.

Comparison to Non-EBICS Bank Accesses

To summarize, the difference to non-EBICS bank accesses is primarily a more heavy interaction by the user with their bank. Primarily, the EBICS account (T-User) needs to already have been created at the time the user attempts to add the EBICS bank access / is redirected to our REG/Protect frontend. Afterwards, the bank access is not immediately available, but needs to be confirmed by the bank after the REG/Protect process.

Caveats

Initializing multiple times

Depending on the bank, an EBICS access cannot be initialized several times, but must be reset by the bank.

Balance Retrieval Limitation

In EBICS, there's no way to get the balance of an account without fetching its transactions. There might not be any transactions, i.e. also no balance, because of the historical transaction limitation

Historical Transaction Limitation

With EBICS, we might not be able to get transactions that are older than when the bank access was created.

Transaction History Range

Currently, we will fetch transactions up to 90 days back.

BANKSapi Auth API

If you are more interested in the customer data, we would like to recommend our quick start guide.

The BANKSapi Auth API provides functions for managing users. Using the OAuth2 protocol you can create tokens to enable only those functions that are necessary for the respective use case.

The API is similar in structure to the other BANKSapi Banks/Connect APIs. That means above all, that everything written in the Banks/Connect API Overview applies to this API.

The use of this API is a basic requirement for the connection of all APIs offered by BANKSapi.

BANKS/Connect Customer API

This API forms the core of BANKSapi Banks/Connect. This allows your end customers to access your financial life and make transactions within your product.

The core element of the API is the Customer, which you can use to Relations dive in detail into the data that can be determined about your customer can.

This document contains the API Reference. But before you get into the details. you may use the API with our Quick Start Guide directly and without any further hurdles.

Topics & Concepts

REG/Protect (redirect solution)

The BANKSapi "REG/Protect-as-a-Service", allows users to perform authorization completely in a frontend provided by BANKSapi. The account information is stored by BANKSapi. The sensitive payment data is transferred directly from the end user to the BANKSapi systems, processed by BANKSapi and stored by BANKSapi. It is not possible to read the sensitive payment data from BANKSapi.

In addition to regulated clients, as a non-regulated client you can also use BANKSapi REG/Protect to extend your range of services to include use cases based on the use of an account information service (KID) and a payment initiation service (ZAD), but without your own ZAD license or KID registration. Since 2018, BaFin has been obliged to register/license payment accounts if online banking is used to access payment account data and trigger payments.

Background update

A background update can be requested when adding a bank access. The bank access and its products and transactions are then queried and updated up to four times (4x) a day. The amount of background updates regresses over time if the user activity declines.

Notifications (Webhooks)

If the background update for a bank access is active, a webhook can be specified. In case of new transactions during an update, an external URL can be called with a reference to the bank access.

Notifications are not guaranteed: If the endpoint is not available, the HTTP call is stored in a queue and the system tries to execute it several times until the remote server on your side can accept the call. However, if this is not the case even after a few minutes, the notification will be discarded.

You can use the sequential integer sequence number serial to check whether there have been gaps or failures since the last notification.

Strong customer authentication

A Strong Customer Authentication (SCA) ensures that accesses to a user's payment account online and initiations of electronic payment transactions are performed with multi-factor authentication. An SCA uses two out of three factors of:

Knowledge
Possession
Inherence

We differentiate between TAN (i.e. embedded) and TAN-less (i.e. decoupled) security procedures.

TAN procedures such as smsTAN, eTAN, chipTAN, photoTAN, pushTAN etc. are most frequently used.

TAN-less procedures include apps provided by the banks to the end customers that can be used to just approve of activities. In this case the phone itself is the possession factor. For Submit SCA Authentication Data, this means that an empty object can be submitted to indicate the user indicated that he meanwhile confirmed the activity, e.g. through the bank app.

There is also the case of a redirect SCA, which is a special type of a decoupled SCA, which redirects from your application directly to a bank interface, where the user will authenticate himself. This authentication can include a TAN, but since the user is on the bank interface it is still considered a decoupled procedure from your application's or BANKSapi's point of view.

Please note that not all safety procedures are supported by FinTS/HBCI.

TAN medium

The TAN medium is used to generate (e.g. chipTAN) or receive (e.g. smsTAN) TANs. BANKSapi will provide you with a list of TAN Media, while an SCA is in progress and if an SCA demands it.

Here are a few examples of TAN procedures and TAN media:

TAN procedure	Media class	Name
mobileTAN (mTAN)	Mobile phone	+49-1111-1111111
smsTAN	Mobile	+49-1111-111111
chipTAN	Generator with EC Card	Sample Bank Card 1234567890
Sm@rtTAN	Generator with bank card	Sample bank card 1234567890
e-TAN	Generator	Generator
photoTAN	App or generator	Phone of User X
PushTAN / appTAN	App	Phone of User X

Customer IP Address

Post-PSD2, we can do interactive actions with the bank only if supplying the IP address of the user. In order to support manual refreshs, adding bank access, and other actions with user interaction, we need to indicate that the user is active (interactive calls). As proof of user interaction, the banks require the current IP address of the user.

In order to supply this to the banks, as we do not have direct interaction with the user, you will have to supply this IP address. You may supply it at any time (we will not persist this and ignore if not needed), but should supply when doing the following requests:

add_bankzugang
start_ueberweisung
delete_bankzugang
delete_bankzugaenge
start_sca

The header should be sent as a standard HTTP request header in the following format:

Customer-Ip-Address: 123.234.123.234

REG/Protect

The REG/Protect redirect solution provides a web frontend for adding bank accesses and triggering payments and therefore handling complex interactions with the provider for you.

Context info when returning to your app

The return of the user can take place for different reasons, the reason is communicated in the query parameter baReentry:

Type of return	Reason	Example	Value for `baReentry`
Process successfully completed	professional		FINISHED
User does not agree with AGB/DSE	technical		LEGAL_NOT_ACCEPTED
Click on "Go to customer portal"	Business	Click on page "Select bank"	USER_CANCELLED
Termination of the process	Business	Termination on "Your accounts" page	USER_CANCELLED
Unexpected HTTP Repsonse Code	technical	HTTP 200 expected but HTTP 500 delivered	BACKEND_ERROR
Unexpected HTTP response (body)	Technical	Valid JSON expected but invalid delivered	BACKEND_ERROR
Access data incorrectly entered three times	technical		INVALID_CREDENTIALS
TAN incorrectly entered three times	domain name		INVALID_TAN
General error	Technical	Guard prevents mask access; possible manipulation attempt	ERROR
No accounts found for bank transfer	Depreciation area	No accounts or no accounts suitable for bank transfer were found when the bank transfer was started	NO_ACCOUNTS

Adding and authenticating a bank access

$ curl https://banksapi.io/customer/v2/bankzugaenge \
    -X POST \
    -H 'Expect: ' \
    -H 'authorization: Bearer 0defaced-1337-d00d-c0de-face8badcafe' \
    -H 'accept: application/json' \
    -H 'content-type: application/json' \
    -d '{"637a3945-bb02-4e82-ac9e-f7c26d2568ce": {}}'

< HTTP/1.1 451
< Content-Length: 0
< Location: https://banksapi.io/customer/v2/webform?session=b19c3937-...-3b861be7e71e&useCase=CREATE_ACCOUNT

When you create a bank access as a non-regulated client, you will receive the URL for this call with a 451 HTTP-Response in the Location-Header. The status code serves as an indicator that the use case must be continued in the context of the BANKSapi REG/Protect.

When BANKSapi synchronizes your account data with your banking provider, we might encounter an expired consent (cf. Operations with SCA). A consent renewal has to be performed then, which we will communicate with an authenticate relation.

The location header then contains the URL to be called on the BANKSapi page. The web form should be called up in the same browser window and replace the current content. For security reasons, it can only be called up once. This starts the RegProtect process at BANKSapi and the end customer has the possibility to select a provider and enter his online banking credentials in the following forms delivered by BANKSapi.

You must append a query parameter callbackUrl to this URL (URL-encoded), which is called again by BANKSapi after the successful (or failed) registration of the end customer's bank access.

Overview of all REG/Protect query parameters:

Field	Type	Required	Description
refresh	Boolean	false	Refresh an existing account
callbackUrl	String	true	The URL on your page that the user will be redirected to after registering with BANKSapi. Warning: Must be URL-encoded *

The callbackUrl is then the URL to which the user is forwarded after registration. It is called by the user's browser (in the popup window you open, as GET) with the entire query string you supply, so you can also specify your own parameters, which are then handled transparently by BANKSapi. Logically, there should be a frontend page under the URL, since it is then displayed to the user.

In addition to the query string you specified in the callbackUrl, the following query parameters are also sent (appended to the URL, ?parameter1=value1&parameter2=value2):

Field	Type	Included	Description
baReentry	String	Always	If successful `FINISHED`

Triggering a payment

&lt;font color="#ffff00"&gt;-=https://banksapi.io/customer/v2/ueberweisung/e1f30693-=- proudly presents -bab3bc2/DE00123456789012345679 \
    -X POST \
    -H 'authorization: Bearer 9df54960-f678-47ec-84dc-6c771f9c980c' \
    -H 'content-type: application/json' \
    -d '{}'

< HTTP/1.1 451
< Content-Length: 0
< Location: https://banksapi.io/customer/v2/webform?session=b19c3937- ... -3b861be7e71e
    &useCase=START_PAYMENT_SINGLE_TRANSFER

A payment is triggered in the same way as an bank access is added, first by calling a payment endpoint (e.g. Initiate Single Transfer) using HTTP POST. Since all payment data can be determined in REG/Protect, it is sufficient here to send an empty JSON object as a payload only. You can also prefill payment data and define whether the prefilled data will be editable in REG/Protect, this behaviour is enforced by all bulk payments.

As in the use case before, a 451 (Unavailable For Legal Reasons) is delivered in the Location-HTTP header.

To this URL you have to append a query parameter callbackUrl (https://de.wikipedia.org/wiki/URL-Encoding), which is called again by BANKSapi after the successful or failed triggering of the payment.

Overview of all query parameters for REG/Protect when triggering a payment:

Field	Type	Included	Description
useCase	String	Always	REG/Protect use case, which is already provided by the Location field in HTTP 451 response, e.g. `START_PAYMENT_SINGLE_TRANSFER`
callbackUrl	String	Always	The URL on your page that the user will be redirected to after the BANKSapi referral process. Warning: Must be URL-encoded *

The callbackUrl is then the URL to which the user is redirected after the payment. It is called by the user's browser (in the window you open, as GET) with the entire query string you provide, so you can also specify your own parameters, which are then handled transparently by BANKSapi. Logically, there should be a frontend page under the URL, since it is then displayed to the user.

In addition to the query string you specified in the callbackUrl, the following query parameters are also sent (appended to the URL, ?parameter1=value1&parameter2=value2):

Field	Type	Included	Description
baReentry	String	Always	If successful `FINISHED`

Operations with SCA

Due to the PSD2 requirements in respect to SCA, there is a multi-step process involved in order to add a bank access.

The process differs depending on whether you are using REG/Protect or not:

REG/Protect	Task	Process description
Yes	Create a bank access	When creating a bank access, the multi-step process will be covered by us through the REG/Protect frontend. Find the documentation in Adding bank access with REG/Protect
Yes	Refresh a bank access	During usage, the consent of the customer might expire at some point and new data can't be fetched from the bank. You can refresh with new data from the bank with a `refresh`-flag as documented. Whenever there is a relation `start_sca`, `POST` to the `start_sca` relation to indicate the user is ready to start an SCA process. You will receive a `451` status with a `Location`-header. Display the contents of the `Location`-Header to the user in the same way you would with the `Location`-Header when adding a bank access. This is to refresh the SCA with the bank in order to get up-to-date data from the bank.
No	Create or update a bank access	When using the embedded approach (without REG/Protect), there are several steps you need to follow. When creating or updating the bank access and in case of an SCA, there will be one of the following relations: set_method: This relation is sent with appropriate `sicherheitsverfahren` in the bank access. Use it as documented in Set SCA Method set_medium: Not to be confused with `set_method`, this relation is sent with appropriate `tanMedien` in the bank access. Use it as documented in Set SCA Method authenticate: This relation serves the purpose to resolve TAN procedures as described in Strong Customer Authentication, this `href` should be called with `POST` as described in Submit SCA Authentication Data. authentication_decoupled: This relation is for TAN-less i.e. decoupled methods, send a `GET` request to the `authentication_decoupled`-relation to poll for the status of the SCA. This relation appears together with the `authentication`-relation, but should always be preferred. redirect_url: When this relation is available the authentication will be performed on the bank interface. The user therefore needs to be redirected to the URL in this relation and will reenter your application at the given `callbackUrl`, that was provided as a query parameter in the POST request. If the redirected authentication ends prematurely and the user cannot finish the authentication, we offer a `cancel`-relation There can be multiple SCAs for a single bank access, so your application needs to be able to handle any of the above mentioned relations at any point of the creation/update. If any of the SCAs fail, there will be `start_sca` relation when the bank access reaches the status `VOLLSTAENDIG`
No	Background update of a bank access	The consent of the customer might expire at some point and new data can't be fetched from the bank. In this case, the BankAccess object will contain a relation `start_sca`. `POST` an empty object to this relation in order to indicate that the user is ready to start an SCA process and renew the consent.

Encryption

To encrypt the Credentials, the asymmetric crypto procedure RSA is used. If you become our customer, you will receive a public key from us with which the encryption is performed.

Since the concrete implementation of encryption in the different programming environments is different from each other the characterizing properties of the process (specified in the following table) are used. PKCS #1), with which the conversion in your preferred development environment should not be a problem:

Encryption algorithm: RSA
Operating mode: none (pure block encryption)
Padding: OAEP (Optimal Asymmetric Encryption Padding) with SHA-1 (hash function) and MGF1 (mask generation function)

The description of the method used is described in the Java-specific JCA Standard Algorithm Name Documentation as follows: RSA/NONE/OAEPWithSHA1AndMGF1padding

Notifications

Webhook calls ("notifications") can be made as POST in the following incidents during a background update (independently of each other):

Event	Description
Transaction	New transaction(s) found
Balance	The balance of a user has changed.
Error	Error

POST /your-notification-endpoint HTTP/1.1
User Agent: BANKSapi Notifier
Content-Type: application/json
Accept: */*
Connection: close

The POST-HTTP call looks like this during the call:

Header	Value
User-Agent	`BANKSapi Notifier`
Content-Type	`application/json`

Notification object

The payload, i.e. the BODY of the POST-Requests contains at least the following fields for all types of notifications:

Field	Type	Included	Description
userId	String	Always	`userid` of the user as OAuth-Token
accountId	String	Always	`id` of the bank access
tenant	String	Always	`name` of the tenant
notificationType	String	Always	Contains the Notification Type
occurred	timestamp	Always	Time of triggering the notification
serial	Integer	Always	Consecutive, integer sequence number of the notification for checking missed notifications

Notification Type

Event	Type
Transaction	`TRANSACTION`
Balance	`BALANCE`
Error	`ERROR`

Transaction Notification

{
    "userId": "mOd2uKYr+2 ... TWOPCAt5zP",
    "accountId": " 3671fbf6-c752-4107-a9c0-61ea77cd7f5e",
    "tenant": "demo",
    "notificationType": "TRANSACTION",
    "occurred": "2019-05-11 09:05:00",

    "productId": "DE1235233452324553423442A",
    "newTransactions": [{
        "payeeName": "La Sopia GmbH Munich",
        "amount": -70
    }, {
        "payeeName": "netzpolitik.org e. V.",
        "amount": -1337.42
    }]
}

In the event that one or more new transactions are found, this object is sent by the notifier. It contains additional to the fields of the Notification object:

Field	Type	Included	Description
productId	String	Always	Contains the `id` of the bank product
newTransactions	Array of Transaction objects	Always	Contains the new transactions in the form of Transaction objects

Transaction object

{
    "payeeName": "La Sopia GmbH Munich",
    "amount": -70
}

Field	Type	Included	Description
payeeName	String	Always	Contains the `id` of the bank product
amount	Number	If available	Amount of transaction, negative for outputs if applicable

Request-Body

The request body consists of a Transaction Notification Object.

Balance Notification

{
    "userId": "mOd2uKYr+2 ... TWOPCAt5zP",
    "accountId": " 3671fbf6-c752-4107-a9c0-61ea77cd7f5e",
    "tenant": "demo",
    "notificationType": "BALANCE",
    "occurred": "2019-05-11 09:05:00",

    "productId": "DE1235233452324553423442A",
    "oldBalance": 200000.00,
    "newBalance": 205000.00
}

If the account balance or position of a bank product has changed, this object is sent by the notifier. It contains additional to the fields of the Notification object

Field	Type	Included	Description
productId	String	Always	Always
oldBalance	Number	Always	Contains the old account balance or balance before the last background update.
newBalance	Number	Always	Contains the new account balance or position determined by the current background update.

Request-Body

The request body consists of a Balance Notification Object.

Error Notification

{
    "userId": "mOd2uKYr+2 ... TWOPCAt5zP",
    "accountId": " 3671fbf6-c752-4107-a9c0-61ea77cd7f5e",
    "tenant": "demo",
    "notificationType": "ERROR",
    "occurred": "2019-05-11 09:05:00",

    "level": "ERROR",
    "Code": "BA1010",
    "message": "Access blocked"
}

If an error occurred during the Background update, this object is sent by the notifier. It contains additional to the fields of the Notification object

Field	Type	Included	Description
level**	String	Always one of `INFO`, `WARNING`, `ERROR`
code	String	Always	See Errors and Messages
message	String	Always	See Errors and Messages
data	String	If available	Further information as String

Request-Body

The request body consists of an Error Notification Object.

Transactions older than 90 days

It is possible to fetch transactions older than 90 days from the banks. This makes sense to do especially in the case of the initial addition of the bank access, as there is no history yet in the BANKSapi storage.

We are able to fetch transactions back as far as the bank will serve (in some cases years) for new customers, and up to October 15th 2020 for existing customers. Please be aware that this functionality is best effort and while > 90d is possible for the majority of accounts, there are banks that still only return 90d.

The obvious drawback is that there is the need of theoretically up to three additional SCA processes the customer has to undergo. Usually though none or only one additional SCA process will be required. This of course depends on the bank, and there is no way yet to foresee the number of SCAs. We recommend to use this functionality in cases where it is vital to fetch a history for the user.

To indicate you would like BANKSapi to try and fetch > 90d, you can use the optional parameter maxTransactions as a query parameter when adding or refreshing a bank access. If indicating paymentAccounts, > 90d will only be fetched for payment accounts (GIROKONTO), if indicating all this will be tried for all kinds of bank products. Whenever sending this parameter, be prepared for SCA requests to come up for the bank access, so this should be used whenever the user is active on your page / app.

Please note that for fetching transactions > 90 days from the BANKSapi storage, you will additionally have to indicate the from parameter when fetching transactions, otherwise although we have a history > 90d for the user, you will not get it from BANKSapi storage as the default from is 90d in the past.

Transaction tags (categorization)

The current list of categories for the Classification can change at any time, even without changing the version number of the API.

Parent Category	Category	Display Name (de_DE)
`BANKFINANCE`	`BANKFINANCE_FEES`	Bankgebühren
`BANKFINANCE`	`BANKFINANCE_INVESTMENT`	Investment
`BANKFINANCE`	`BANKFINANCE_OTHER`	Bank und Finanzen - Sonstiges
`BANKFINANCE`	`BANKFINANCE_CASHWITHDRAWAL`	Barauszahlung
	`BANKFINANCE`	Bank und Finanzen
`BANKFINANCE`	`BANKFINANCE_CREDITPAYMENT`	Kredittilgung
`BANKFINANCE`	`BANKFINANCE_CURRENCY`	Devisen- / Sortengeschäfte
	`BILLS`	Vertragsrechnungen
`BILLS`	`BILLS_TELECOMMUNICATIONS`	Internet und Telekommunikation
`BILLS`	`BILLS_ENERGY`	Energiekosten
`BILLS`	`BILLS_PUBLICRADIO`	Öffentlich-rechtlicher Rundfunk
`BILLS`	`BILLS_WATERANDDISPOSAL`	Wasser und Entsorgung
`BILLS`	`BILLS_OTHER`	Vertragsrechnungen - Sonstiges
`BUSINESS`	`BUSINESS_ENERGY`	Energiekosten (geschäftlich)
`BUSINESS`	`BUSINESS_CONSULTING`	Beratungskosten (geschäftlich)
`BUSINESS`	`BUSINESS_SALARY`	Personalkosten
`BUSINESS`	`BUSINESS_EQUIPMENT`	Arbeitsmittel
`BUSINESS`	`BUSINESS_ADVERTISEMENT`	Werbekosten
`BUSINESS`	`BUSINESS_TRAINING`	Fortbildungs- und Schulungskosten (geschäftlich)
`BUSINESS`	`BUSINESS_LEASING`	Leasinggebühren (geschäftlich)
`BUSINESS`	`BUSINESS_MOBILITY`	Mobilität (geschäftlich)
`BUSINESS`	`BUSINESS_LEGAL`	Anwaltskosten (geschäftlich)
`BUSINESS`	`BUSINESS_INVESTMENT`	Investment (geschäftlich)
	`BUSINESS`	Geschäftlich
`BUSINESS`	`BUSINESS_ASSOCIATION`	Berufsverbandsbeiträge
`BUSINESS`	`BUSINESS_CREDITPAYMENT`	Kredittilgung (geschäftlich)
`BUSINESS`	`BUSINESS_TELECOMMUNICATIONS`	Internet und Telekommunikation (geschäftlich)
`BUSINESS`	`BUSINESS_TRAVEL`	Geschäftsreisekosten
`BUSINESS`	`BUSINESS_WATERANDDISPOSAL`	Wasser- und Entsorgungsgebühren (geschäftlich)
`BUSINESS`	`BUSINESS_RENT`	Miete (geschäftlich)
`BUSINESS`	`BUSINESS_TAXES`	Betriebssteuern
`BUSINESS`	`BUSINESS_HOSPITALITY`	Bewirtungskosten (geschäftlich)
`BUSINESS`	`BUSINESS_OTHER`	Geschäftlich - Sonstiges
`EDUCATION`	`EDUCATION_TRAINING`	Fortbildung
`EDUCATION`	`EDUCATION_ACADEMIC`	Universität
`EDUCATION`	`EDUCATION_OTHER`	Bildungswesen - Sonstiges
`EDUCATION`	`EDUCATION_SCHOOL`	Schulbildung
	`EDUCATION`	Bildungswesen
`FAMILY`	`FAMILY_OTHER`	Familie - Sonstiges
`FAMILY`	`FAMILY_CHILDCARE`	Kinderbetreuung
`FAMILY`	`FAMILY_CHILDNECESSITIES`	Kinder- und Babybedarf
`FAMILY`	`FAMILY_TOYS`	Spielwaren
`FAMILY`	`FAMILY_SUPPORT`	Unterhalt
`FAMILY`	`FAMILY_CHILDACTIVITIES`	Kinderaktivitäten
	`FAMILY`	Kinder und Familie
`HEALTH`	`HEALTH_OTHER`	Gesundheit - Sonstiges
`HEALTH`	`HEALTH_CONSUMABLES`	Arznei und Heilmittel
	`HEALTH`	Gesundheit
`HEALTH`	`HEALTH_SERVICES`	Arzt/Krankenhaus/Pflege
`HEALTH`	`HEALTH_OPTICS`	Augenoptik
`HOUSING`	`HOUSING_RENT`	Miete/Wohngeld
	`HOUSING`	Wohnen
`HOUSING`	`HOUSING_ANCILLARYCOSTS`	Nebenkosten
`HOUSING`	`HOUSING_FINANCING`	Immobilienkredit
`HOUSING`	`HOUSING_SERVICES`	Haushaltsdienstleistungen
`HOUSING`	`HOUSING_RENOVATION`	Renovierung & Reparatur
`HOUSING`	`HOUSING_OTHER`	Wohnen - Sonstiges
`HOUSING`	`HOUSING_FURNISHING`	Möbel und Haushaltsgeräte
	`INCOME`	Einnahmen
`INCOME`	`INCOME_REFUND`	Gutschriften und Erstattungen
`INCOME`	`INCOME_RENTAL`	Vermietung und Verpachtung
`INCOME`	`INCOME_SOCIALBENEFIT`	Sozialleistung
`INCOME`	`INCOME_SAVINGS`	Spareinnahmen
`INCOME`	`INCOME_STATEEDUCATION`	Staatliche Förderung für Bildung
`INCOME`	`INCOME_CASHDEPOSIT`	Bareinzahlung
`INCOME`	`INCOME_INVESTMENT`	Kapitaleinkommen
`INCOME`	`INCOME_PENSION`	Rente und Pension
`INCOME`	`INCOME_TAXES`	Steuerrückzahlungen und -erstattungen
`INCOME`	`INCOME_CREDIT`	Krediteinnahme
`INCOME`	`INCOME_INSURANCE`	Versicherungseinnahmen/-gutschriften/-rückzahlungen
`INCOME`	`INCOME_OTHER`	Einnahmen - Sonstiges
`INCOME`	`INCOME_RETURNDEBIT`	Rücklastschriften
`INCOME`	`INCOME_SALARY`	Gehalt
`INCOME`	`INCOME_STATEFAMILY`	Staatliche Förderung für Familie und Kinder
`INCOME`	`INCOME_SALES`	Verkaufseinnahmen
`INCOME`	`INCOME_BUSINESS`	Geschäftseinnahmen
	`INSURANCE`	Versicherungen
`INSURANCE`	`INSURANCE_LEGAL`	Rechtsschutzversicherung
`INSURANCE`	`INSURANCE_VEHICLE`	KFZ-Versicherung
`INSURANCE`	`INSURANCE_PROPERTY`	Sachversicherung
`INSURANCE`	`INSURANCE_BUSINESS`	Gewerbliche Versicherung
`INSURANCE`	`INSURANCE_LIABILITY`	Haftpflichtversicherung
`INSURANCE`	`INSURANCE_ACCIDENT`	Unfallversicherung
`INSURANCE`	`INSURANCE_LIFE`	Lebensversicherung
`INSURANCE`	`INSURANCE_TRAVEL`	Reiseversicherung
`INSURANCE`	`INSURANCE_OTHER`	Versicherungen - Sonstiges
`INSURANCE`	`INSURANCE_TRANSPORT`	Transportversicherung
`INSURANCE`	`INSURANCE_HEALTH`	Krankenversicherung
`LIVING`	`LIVING_CHARITY`	Spenden & Wohltätigkeit
	`LIVING`	Lebenshaltung
`LIVING`	`LIVING_GROCERIES`	Lebensmittel
`LIVING`	`LIVING_OTHER`	Lebenshaltung - Sonstiges
`LIVING`	`LIVING_DRUGSTORE`	Drogerie
`MOBILITY`	`MOBILITY_VEHICLEACQUISITION`	KFZ - Kredit/Kauf/Leasing
`MOBILITY`	`MOBILITY_FUEL`	Kraftstoffe und Schmiermittel
`MOBILITY`	`MOBILITY_PARKING`	Parken
`MOBILITY`	`MOBILITY_PUBLICTRANSPORT`	ÖPNV
`MOBILITY`	`MOBILITY_TAXI`	Taxi
`MOBILITY`	`MOBILITY_TAXES`	KFZ-Steuer
`MOBILITY`	`MOBILITY_OTHER`	Mobilität - Sonstiges
`MOBILITY`	`MOBILITY_SERVICES`	Wartung, Pflege und Reparaturen
`MOBILITY`	`MOBILITY_BIKESHARE`	Bike-Sharing
	`MOBILITY`	Mobilität
`MOBILITY`	`MOBILITY_CARSHARE`	Car-Sharing
`OTHER`	`OTHER_OTHER`	Sonstiges
	`OTHER`	Sonstiges
`RECREATION`	`RECREATION_FOODANDDRINKS`	Ausgehen und Essen
`RECREATION`	`RECREATION_HOBBYANDSOCIAL`	Hobbys und soziale Aktivitäten
`RECREATION`	`RECREATION_OTHER`	Freizeit und Unterhaltung - Sonstiges
`RECREATION`	`RECREATION_PRINTED`	Bücher und Zeitschriften
`RECREATION`	`RECREATION_SPORTS`	Sport und Fitness
`RECREATION`	`RECREATION_PETS`	Haustier
`RECREATION`	`RECREATION_STREAMING`	Streaming und Pay-TV
`RECREATION`	`RECREATION_GAMBLING`	Glücksspiel
	`RECREATION`	Freizeit und Unterhaltung
`RECREATION`	`RECREATION_CULTURAL`	Kultur
`RECREATION`	`RECREATION_ONLINE`	Spiele und Online-Unterhaltung
`SAVINGS`	`SAVINGS_BUILDING`	Bausparguthaben
`SAVINGS`	`SAVINGS_ACCOUNT`	Sparguthaben
	`SAVINGS`	Sparen
`SAVINGS`	`SAVINGS_OTHER`	Sparen - Sonstiges
`SERVICES`	`SERVICES_ONLINE`	Software und Online-Dienstleistungen
	`SERVICES`	Dienstleistungen
`SERVICES`	`SERVICES_OTHER`	Dienstleistungen - Sonstiges
`SERVICES`	`SERVICES_MAIL`	Porto- und Versandkosten
`SERVICES`	`SERVICES_PERSONAL`	Persönliche Dienstleistungen
`SERVICES`	`SERVICES_PROFESSIONAL`	Professionelle Dienstleistungen
`SHOPPING`	`SHOPPING_DEPARTMENTSTORE`	Kaufhaus
`SHOPPING`	`SHOPPING_CLOTHINGACCESSORIES`	Kleidung und Accessoires
	`SHOPPING`	Shopping
`SHOPPING`	`SHOPPING_ELECTRONICS`	Elektrogeräte
`SHOPPING`	`SHOPPING_BEAUTY`	Schönheitsprodukte
`SHOPPING`	`SHOPPING_ONLINE`	Online-Shopping
`SHOPPING`	`SHOPPING_OTHER`	Shopping - Sonstiges
`TAXES`	`TAXES_FLAT`	Abgeltungsteuer
`TAXES`	`TAXES_CHURCH`	Kirchensteuer
`TAXES`	`TAXES_OTHER`	Steuern - Sonstiges
`TAXES`	`TAXES_SALES`	Umsatzsteuer
	`TAXES`	Steuern
`TAXES`	`TAXES_CAPITALGAINS`	Kapitalertragsteuer
`TAXES`	`TAXES_PROPERTY`	Grundsteuer
`TAXES`	`TAXES_INCOME`	Einkommensteuer
`TRANSFER`	`TRANSFER_SAVINGS`	Transfer - Sparen
`TRANSFER`	`TRANSFER_CREDITCARDSETTLEMENT`	Kreditkartenabrechnung
	`TRANSFER`	Transfer
`TRANSFER`	`TRANSFER_OTHER`	Transfer - Sonstiges
`TRANSFER`	`TRANSFER_BANKFINANCE`	Kontotransfer
`TRAVEL`	`TRAVEL_ACCOMMODATION`	Unterkunft
`TRAVEL`	`TRAVEL_TRANSPORT`	Transport
`TRAVEL`	`TRAVEL_OTHER`	Reise - Sonstiges
	`TRAVEL`	Reisen
`TRAVEL`	`TRAVEL_INCLUSIVEOFFERS`	Pauschalreisen

Errors and messages

In the communication between client, BANKSapi Banks/Connect and the providers, errors can occur. which can be caused by a wide variety of constellations. We are always makes every effort to transport the cause of an error to you as informatively as possible so that can be reacted to accordingly quickly.

A simple use case is, for example, that the login of a customer to his bank is not worked. As an error message, the system returns, for example, that the user ID is not was 10 digits long and so the login data was not correct. The customer is thus in a position to "problem" quickly.

HTTP status codes

Status	Name	Meaning API	Handling
200	OK	The request has been successfully executed	-
201	Created	The request was executed successfully and the data object was created	Evaluate and call location header
400	Bad Request	The request is syntactically wrong	Program error at the caller, manual intervention necessary
401	Unauthorized	The authorization: bearer TOKEN header was not sent	Send header
403	Forbidden	The OAuth2 token has expired, is invalid or the required scope is missing	Request new token, extend scopes
404	Not found	The URL does not point to a valid object	Start new data retrieval and update relations
451	Unavailable for Legal Reasons	The requested resource cannot be returned for regulatory reasons.	This is used in the course of the REG/Protects, the HTTP response contains a `Location` header with the URL for the redirect
500	Internal Server Error	This shouldn't have happened	We're already working on it
504	Gateway Timeout	The started request could not be answered within the specified time	Repeat request shortly

Message codes

{
   "level": "ERROR",
   "code": "BA1011",
   "message": "Access data not correct ",
   "details": "Please check your access data and try again. Please note that your access data will be blocked if you enter it incorrectly three times."
}

Code	Level	Message	Details
BA999	ERROR	Internal error
BA1000	ERROR	Maintenance work provider
BA1001	ERROR	Provider no longer active
BA1010	ERROR	Access blocked	Your PIN for Internet banking was entered incorrectly three times. So we've temporarily suspended your access for security reasons
BA1011	ERROR	Access data not correct	Please check your access data and try again. Please note that your access data will be blocked after three incorrect entries.
BA1012	ERROR	Incomplete access data	The following access data is required: Authfields 1 = Example user name 2 = Example PIN 3 = Example key
BA1013	ERROR	Bank access not activated
BA1014	ERROR	Too many unsuccessful logins
BA1020	ERROR	Account has improper permissions
BA1051	ERROR	Bank access not available	Maintenance: A technical malfunction has occurred at your bank. Please update your bank access at a later date.
BA1052	ERROR	Bank access not fully accessible
BA1053	ERROR	Access exceeded
BA1060	ERROR	Product could not be updated
BA1062	ERROR	Revenues could not be updated
BA1063	ERROR	Depot positions could not be updated
BA1064	ERROR	Message bank
BA1100	ERROR	Invalid bank transfer data	Please check your entries. Transfers are only possible to the reference account.
BA1101	ERROR	Invalid TAN procedure
BA1102	ERROR	Invalid TAN medium
BA1103	ERROR	TAN invalid	Error during transmission, or mTan not (any longer) valid
BA1104	ERROR	Bank transfer not possible	Bank transfers are only supported for checking accounts or HBCI message 9390 Order rejected due to double submission.
BA1110	INFO	TAN input required	Please enter the SMS-TAN
BA1111	INFO	The transfer was successfully completed
BA1112	INFO	The transfer was successfully submitted
BA1200	ERROR	Invalid debit data	Please check your input data.
BA1204	ERROR	Debit not supported
BA1212	INFO	The debit was successfully submitted
BA2002	INFO	There are messages from your bank	There are messages from your bank, please log into your online banking.
BA2003	INFO	Product type not supported
BA2004	INFO	Bank access not activated yet
BA3000	INFO	SCA required	SCA required
BA3005	INFO	SCA redirect required
BA3010	INFO	Select SCA method	Select SCA method
BA3020	INFO	Select SCA medium	Select SCA medium
BA3030	INFO	SCA Challenge	SCA Challenge
BA3040	ERROR	SCA failed	SCA failed
BA3060	ERROR	No supported SCA method found	No supported SCA method found

BANKS/Connect Providers API

If you are more interested in the customer data, we would like to recommend our quick start guide.

Via the Banks/Connect Providers API you get access to a comprehensive configuration database for the banks and service providers supported by us.

The API is similar in structure to the other BANKSapi Banks/Connect APIs. That means above all, that everything written in the Banks/Connect API Overview applies to this API.

In addition to general primary data such as name, bank group, bank code and BIC, you also receive detailed machine-readable information on the login modalities for your users, so that you can optimize the user experience of your application when creating bank accesses.

A concrete example of this data can be found in the Provider section.

title: BANKS/

BANKS/Connect API Reference v2.0

Scroll down for code samples, example requests and responses. Select a language for code samples from the tabs above or the mobile navigation menu.

Base URLs:

https://banksapi.io

Authentication

HTTP Authentication, scheme: basic
HTTP Authentication, scheme: bearer

Auth

Create User

Code samples

## You can also use wget
curl -X POST https://banksapi.io/auth/mgmt/v1/tenants/{tenant-name}/users \
  -H 'Content-Type: application/json' \
  -H 'Authorization: Bearer {access-token}'

POST /auth/mgmt/v1/tenants/{tenant-name}/users

Creates a technical user corresponding (one-to-one) a tenant's user. Users are needed to use BANKSapi's core features like adding accounts or performing payments. After creating a user, they're automatically activated.

Body parameter

{
  "username": "demouser",
  "password": "secret",
  "firstname": "demo",
  "lastname": "user"
}

Parameters

Name	In	Type	Required	Description
tenant-name	path	string	true	Tenant name plays a role in using the API. The tenant name is a URL component in the management API.
body	body	CreateUser	true	The request body is a JSON object containing data required for a user

Responses

Status	Meaning	Description	Schema	Possible relations
201	Created	Returns with a location header under which the user data can be retrieved.	None	none

Response Headers

Status	Header	Type	Format	Description
201	Location	string		none

Get Users

Code samples

## You can also use wget
curl -X GET https://banksapi.io/auth/mgmt/v1/tenants/{tenant-name}/users \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /auth/mgmt/v1/tenants/{tenant-name}/users

Get all activated users

Parameters

Name	In	Type	Required	Description
tenant-name	path	string	true	Tenant name plays a role in using the API. The tenant name is a URL component in the management API.
includeInactive	query	boolean	false	Whether or not to also include inactive users

Example responses

200 Response

[
  {
    "userReference": "1c5b33f6-9c4d-11e6-ba80-480fcfb9550f",
    "username": "demo-user"
  }
]

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns an array of User	Inline	none

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[User]	false	none	[This object represents a user]
» User	User	false	none	This object represents a user
»» id	string	true	none	Technical ID for the user, is also used in URLs (`user-id`)
»» username	string	true	none	Username for creating an OAuth2 token
»» roles	[string]	false	none	Roles this user has

Create Token

Code samples

## You can also use wget
curl -X POST https://banksapi.io/auth/oauth2/token \
  -H 'Content-Type: application/x-www-form-urlencoded' \
  -H 'Accept: application/json'

POST /auth/oauth2/token

Creates a client or user token valid for 24 hours. Client tokens are needed for administrative use cases such as creating users. User tokens are needed when creating or querying banking accounts.

Body parameter

grant_type: client_credentials
scope: 'http://banksapi.io/provider/read'

Parameters

Name	In	Type	Required	Description
body	body	CreateToken	true	The request body contains form object with following parameters

Example responses

200 Response

{
  "scope": "http://banksapi.io/customer/read http://banksapi.io/customer/modify",
  "tenant": "demo",
  "client": "demo-client",
  "user": "1fad71ee-6dbf-49c7-9cb2-fff588de011f",
  "additionalData": {
    "username": "demouser"
  },
  "validTo": "2021-10-16 10:46:47",
  "access_token": "0defaced-1337-d00d-c0de-face8badcafe",
  "token_type": "Bearer"
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns token object	Token	none
401	Unauthorized	The basic authorization header was not sent or the value was incorrect.	None	none

Get Tenants

Code samples

## You can also use wget
curl -X GET https://banksapi.io/auth/mgmt/v1/tenants \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /auth/mgmt/v1/tenants

Get all tenants

Example responses

200 Response

[
  {
    "name": "demo",
    "description": "A Tenant for demonstration purposes"
  }
]

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns an array of Tenant	Inline	none

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[Tenant]	false	none	[The tenant object represents our client. It plays a role in using the API only insofar that the tenant name is a URL component in the management API.]
» Tenant	Tenant	false	none	The tenant object represents our client. It plays a role in using the API only insofar that the tenant name is a URL component in the management API.
»» name	string	true	none	Tenant technical name becomes URL component
»» description	string	false	none	Optional human readable description

Get User

Code samples

## You can also use wget
curl -X GET https://banksapi.io/auth/mgmt/v1/tenants/{tenant-name}/users/{user-id} \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /auth/mgmt/v1/tenants/{tenant-name}/users/{user-id}

This function can be used to retrieve a single activated user.

Parameters

Name	In	Type	Required	Description
tenant-name	path	string	true	Tenant name plays a role in using the API. The tenant name is a URL component in the management API.
user-id	path	string	true	User reference of the user

Example responses

200 Response

{
  "userReference": "1c5b33f6-9c4d-11e6-ba80-480fcfb9550f",
  "username": "demo-user"
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns a User object	User	none

Delete User

Code samples

## You can also use wget
curl -X DELETE https://banksapi.io/auth/mgmt/v1/tenants/{tenant-name}/users/{user-id} \
  -H 'Authorization: Bearer {access-token}'

DELETE /auth/mgmt/v1/tenants/{tenant-name}/users/{user-id}

Deletes a single user. The user must be deactivated beforehand.

Parameters

Name	In	Type	Required	Description
tenant-name	path	string	true	Tenant name plays a role in using the API. The tenant name is a URL component in the management API.
user-id	path	string	true	User reference of the user
reftype	query	string	false	Reference type of user ID ("id" (default) or "username")

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns HTTP status of 200 (OK)	None	none
405	Method Not Allowed	Returns HTTP status of 405 (Method Not Allowed) if user has not been deactivated.	None	none

Change user details

Code samples

## You can also use wget
curl -X PUT https://banksapi.io/auth/mgmt/v1/tenants/{tenant-name}/users/{user-id} \
  -H 'Content-Type: application/json' \
  -H 'Authorization: Bearer {access-token}'

PUT /auth/mgmt/v1/tenants/{tenant-name}/users/{user-id}

Changes user details, such as username, first name or last name

Body parameter

{
  "username": "demouser",
  "firstname": "demo",
  "lastname": "user"
}

Parameters

Name	In	Type	Required	Description
tenant-name	path	string	true	Tenant name plays a role in using the API. The tenant name is a URL component in the management API.
user-id	path	string	true	User reference of the user
reftype	query	string	false	Reference type of user ID ("id" (default) or "username")
body	body	ChangeUserDetails	false	none

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Change successful	None	none
409	Conflict	Username already exists	None	none

Deactivate User

Code samples

## You can also use wget
curl -X PUT https://banksapi.io/auth/mgmt/v1/tenants/{tenant-name}/users/{user-id}/deactivate \
  -H 'Authorization: Bearer {access-token}'

PUT /auth/mgmt/v1/tenants/{tenant-name}/users/{user-id}/deactivate

Deactivates a single user

Parameters

Name	In	Type	Required	Description
tenant-name	path	string	true	Tenant name plays a role in using the API. The tenant name is a URL component in the management API.
user-id	path	string	true	User reference of the user
reftype	query	string	false	Reference type of user ID ("id" (default) or "username")

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns HTTP status of 200 (OK)	None	none

Reactivate User

Code samples

## You can also use wget
curl -X POST https://banksapi.io/auth/mgmt/v1/tenants/{tenant-name}/users/{user-id}/reactivate \
  -H 'Content-Type: application/json' \
  -H 'Authorization: Bearer {access-token}'

POST /auth/mgmt/v1/tenants/{tenant-name}/users/{user-id}/reactivate

Reactivate a single deactivated user

Body parameter

{
  "username": "demouser",
  "password": "secret",
  "firstname": "demo",
  "lastname": "user"
}

Parameters

Name	In	Type	Required	Description
tenant-name	path	string	true	Tenant name plays a role in using the API. The tenant name is a URL component in the management API.
user-id	path	string	true	User reference of the user
reftype	query	string	false	Reference type of user ID ("id" (default) or "username")
body	body	CreateUser	true	The request body is a JSON object containing data required for a user

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns HTTP status of 200 (OK)	None	none

Revoke Token

Code samples

## You can also use wget
curl -X POST https://banksapi.io/auth/oauth2/revoke \
  -H 'Content-Type: application/x-www-form-urlencoded'

POST /auth/oauth2/revoke

To revoke a token, the user token is sent to the URL https://banksapi.io/auth/oauth2/revoke via a POST request.

Body parameter

type: object
properties:
  token:
    type: string
    format: uuid
    description: The token to be revoked

Parameters

Name	In	Type	Required	Description
body	body	object	true	The request body contains form object with following parameters
» token	body	string(uuid)	false	The token to be revoked

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns HTTP status of 200 (OK)	None	none

Introspect Token

Code samples

## You can also use wget
curl -X GET https://banksapi.io/auth/oauth2/introspect?token=0defaced-1337-d00d-c0de-face8badcafe \
  -H 'Accept: application/json'

GET /auth/oauth2/introspect

Returns information about a token

Parameters

Name	In	Type	Required	Description
token	query	string(uuid)	true	The Token to introspect

Example responses

200 Response

{
  "scope": "http://banksapi.io/customer/read http://banksapi.io/customer/modify",
  "tenant": "demo",
  "client": "demo-client",
  "user": "CN=Demo User,OU=Personal,DC=banksapi,DC=io",
  "additionalData": {
    "username": "demouser"
  },
  "validTo": "2021-10-16 10:46:47",
  "access_token": "0defaced-1337-d00d-c0de-face8badcafe",
  "token_type": "Bearer"
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns token object	Token	none
400	Bad Request	No token was provided.	None	none
401	Unauthorized	The basic authorization header was not sent or the value was incorrect.	None	none
403	Forbidden	The provided token is not valid.	None	none

Providers

Get Providers

Code samples

## You can also use wget
curl -X GET https://banksapi.io/providers/v2 \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /providers/v2

Retrieve a list of and information for all providers.

Example responses

200 Response

[
  {
    "id": "00000000-0000-0000-0000-000000000000",
    "name": "Demo Provider",
    "consumerRelevant": true,
    "group": "demo",
    "blz": "12345678",
    "bic": "DEMO1234",
    "relations": [
      {
        "rel": "self",
        "href": "https://banksapi.io/providers/v2/00000000-0000-0000-0000-000000000000"
      },
      {
        "rel": "logo",
        "href": "https://banksapi.io/providers/v2/demo.svg"
      }
    ],
    "capabilities": [
      "KONTEN",
      "KARTEN",
      "DEPOTS"
    ],
    "channels": [
      [
        "GIROKONTO"
      ],
      [
        "KREDITKARTE",
        "TAGESGELDKONTO"
      ]
    ],
    "authenticationInfo": {
      "loginHint": "Der Demo Provider bietet drei Zugänge demo1/demo1, demo2/demo2 und demo3/demo3",
      "fields": [
        {
          "fieldkey": "userid",
          "label": "Demo-User",
          "secret": false,
          "hint": "demo1, demo2 oder demo3",
          "format": "^.{1,50}$"
        },
        {
          "fieldkey": "pin",
          "label": "Demo-Passwort",
          "secret": true,
          "hint": "demo1, demo2 oder demo3",
          "format": "^.{1,50}$"
        }
      ]
    }
  }
]

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns an array of providers.	Inline	none

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[Provider]	false	none	[Provider information]
» Provider	Provider	false	none	Provider information
»» id	string	true	none	Unique key for this provider in BANKSapi Banks/Connect
»» name	string	true	none	Name for the provider, not unique
»» consumerRelevant	boolean	true	none	Whether this provider should be displayed to the customer for the provider selection or not
»» group	string	false	none	Grouping term for providers. If several providers have the same group the same logo could be displayed, e.g.
»» blz	string	false	none	The bank code of the bank was the primary key for banks in Germany before SEPA
»» bic	string	false	none	The BIC (Business Identifier Code) of the bank
»» relations	[Relation]	true	none	Relations indicate which operation the provider resource supports
»»» Relation	Relation	false	none	A relation corresponds to an application or business transaction that is supported by the enclosing data object. Each application or business transaction has its own documentation, which describes the call as well as the return or the possible alternative answer scenarios in detail.
»»»» rel	string	true	none	Machine readable string to differentiate the relations
»»»» href	string	true	none	URL where the relation links to
»»» capabilities	[string]	true	none	Shows which technical objects with the Provider on the BANKS/Connect Customer API are available
»»» channels	[ProductCategories]	false	none	Shows which product categories are queried by BANKSapi to the bank through which channel. Items in the same array are queried through the same channel, e.g. FinTS. If you are requesting products that are listed in the same array (going through the same channel), you might save on a number of SCA processes, because there will be at least one SCA per channel at least every 180 days.
»»»» ProductCategories	[ProductCategory]	false	none	A list of product categories
»»»»» ProductCategory	ProductCategory	false	none	Categories: `GIROKONTO` - Checking account: Account for payment transactions, as well as for the settlement / processing of eg deposit-related bookings, fees, interest, etc. `SPARKONTO` - Savings account: Interest-bearing account with an unlimited term and fixed period of notice, as a rule an immediate withdrawal is limited to a maximum value `FESTGELDKONTO` - Fixed deposit account: Interest-bearing account with a contractually agreed term `KREDITKONTO` - Credit account: Account for managing the loan balance `TAGESGELDKONTO` - Overnight money account: Interest-based account for an investment with daily availability `BAUSPARVERTRAG` - Building loan account: Savings and possibly loan account for a home savings contract `SONSTIGESKONTO` - Account that can not be assigned by the provider or our product heuristic `KREDITKARTE` - Credit card: Payment card with credit line, billing takes place via an agreed current account / clearing account `KREDITKARTENKONTO` - Credit card acount: `SONSTIGEKARTE` - Other card: Payment card that can not be assigned by the provider or our product heuristic `DEPOT` - Brokerage account `SONSTIGESPRODUKT` - Bank product that can not be assigned by the provider or our product heuristic
»»»» authenticationInfo	AuthenticationInfo	true	none	The AuthenticationInfo object provides detailed information about the sign-in process to the provider. With the included data, it is possible to optimize the user experience of the own application in the provider system, which on the one hand reduce the nerve factor for the user but can also minimize their own support expenses due to login problems.
»»»»» loginHint	string	false	none	Note text for the registration process, which applies to the complete registration process
»»»»» fields	[Field]	true	none	Array with login parameters
»»»»»» Field	Field	false	none	none
»»»»»»» fieldkey	string	true	none	Name of the parameter in the Credentials object
»»»»»»» label	string	true	none	Name of the field for the ad
»»»»»»» secret	boolean	true	none	Specifies whether the field contains a secret, for example, should be hidden or only optionally stored
»»»»»»» hint	string	false	none	An explanation text for display next to the field
»»»»»»» format	string	true	none	A regular expression (regex) pattern specifying the format for the input field

Enumerated Values

Property	Value
ProductCategory	GIROKONTO
ProductCategory	SPARKONTO
ProductCategory	FESTGELDKONTO
ProductCategory	KREDITKONTO
ProductCategory	TAGESGELDKONTO
ProductCategory	BAUSPARVERTRAG
ProductCategory	SONSTIGESKONTO
ProductCategory	KREDITKARTE
ProductCategory	KREDITKARTENKONTO
ProductCategory	SONSTIGEKARTE
ProductCategory	DEPOT
ProductCategory	SONSTIGESPRODUKT

Get Providers core data

Code samples

## You can also use wget
curl -X GET https://banksapi.io/providers/v2/coredata \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /providers/v2/coredata

Retrieve a list of core data for all providers.

Parameters

Name	In	Type	Required	Description
capability	query	string	false	Filter providers by capability
iban	query	string	false	Filter providers by iban
useCache	query	boolean	false	Flag to control cache usage

Enumerated Values

Parameter	Value
capability	KONTEN
capability	KARTEN
capability	DEPOTS
capability	BAUSPAR

Example responses

200 Response

[
  {
    "id": "00000000-0000-0000-0000-000000000000",
    "name": "Demo Provider",
    "group": "demo",
    "blz": "12345678",
    "bic": "DEMO1234",
    "logo": "https://banksapi.io/providers/v2/demo.svg"
  }
]

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns an array of core data for providers.	Inline	none

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[ProviderCoreData]	false	none	[Provider core information]
» ProviderCoreData	ProviderCoreData	false	none	Provider core information
»» id	string	true	none	Unique key for this provider in BANKSapi Banks/Connect
»» name	string	true	none	Name for the provider, not unique
»» group	string	false	none	Grouping term for providers. If several providers have the same group the same logo could be displayed, e.g.
»» blz	string	false	none	The bank code of the bank was the primary key for banks in Germany before SEPA
»» bic	string	false	none	The BIC (Business Identifier Code) of the bank
»» logo	string	false	none	Returns the path to the provider logo in SVG-format

Get Providers job statistics

Code samples

## You can also use wget
curl -X GET https://banksapi.io/providers/v2/statistics/jobs \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /providers/v2/statistics/jobs

Retrieve a list of provider logos with statistical data about the data jobs. If there were no successful data jobs or no data jobs at all in the specified time period, no entry is returned for the corresponding logo.

Parameters

Name	In	Type	Required	Description
days	query	integer(int32)	false	Specifies the number of past days for fetching job statistics. When used together with "hours", their values are summed. If none of the parameters are specified, 2 hours are fetched.
hours	query	integer(int32)	false	Specifies the number of past hours for fetching job statistics. When used together with "days", their values are summed. If none of the parameters are specified, 2 hours are fetched.
ebics	query	boolean	false	If only EBICS jobs should be considered for the response.
sca	query	boolean	false	If only provider logos with at least one job including a strong customer authentication (SCA) should be considered for the response. In case of `false` it will not be checked whether there was an SCA or not.

Example responses

200 Response

[
  {
    "logo": "demo",
    "latestSuccessDate": "2023-09-20 11:21:02",
    "averageDuration": 29962,
    "successRate": 1
  },
  {
    "logo": "sparkasse",
    "latestSuccessDate": "2023-09-20 11:28:57",
    "averageDuration": 54186,
    "successRate": 0.99
  }
]

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns a list of job statistics for providers.	Inline	none

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[ProviderJobStatistics]	false	none	[Provider job statistics]
» ProviderJobStatistics	ProviderJobStatistics	false	none	Provider job statistics
»» logo	string	true	none	Logo of the provider.
»» latestSuccessDate	string(YYYY-MM-DD hh:mm:ss)	true	none	Date of the latest successful data job for providers with the corresponding logo.
»» averageDuration	number	true	none	The average duration of data jobs in ms for providers with the corresponding logo.
»» successRate	number	true	none	The success rate of data jobs for providers with the corresponding logo.

Get Provider

Code samples

## You can also use wget
curl -X GET https://banksapi.io/providers/v2/{provider-id} \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /providers/v2/{provider-id}

Retrieve information for a specific provider.

Parameters

Name	In	Type	Required	Description
provider-id	path	string(uuid)	true	ID of a provider

Example responses

200 Response

{
  "id": "00000000-0000-0000-0000-000000000000",
  "name": "Demo Provider",
  "consumerRelevant": true,
  "group": "demo",
  "blz": "12345678",
  "bic": "DEMO1234",
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/providers/v2/00000000-0000-0000-0000-000000000000"
    },
    {
      "rel": "logo",
      "href": "https://banksapi.io/providers/v2/demo.svg"
    }
  ],
  "capabilities": [
    "KONTEN",
    "KARTEN",
    "DEPOTS"
  ],
  "channels": [
    [
      "GIROKONTO"
    ],
    [
      "KREDITKARTE",
      "TAGESGELDKONTO"
    ]
  ],
  "authenticationInfo": {
    "loginHint": "Der Demo Provider bietet drei Zugänge demo1/demo1, demo2/demo2 und demo3/demo3",
    "fields": [
      {
        "fieldkey": "userid",
        "label": "Demo-User",
        "secret": false,
        "hint": "demo1, demo2 oder demo3",
        "format": "^.{1,50}$"
      },
      {
        "fieldkey": "pin",
        "label": "Demo-Passwort",
        "secret": true,
        "hint": "demo1, demo2 oder demo3",
        "format": "^.{1,50}$"
      }
    ]
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns a single provider object.	Provider	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) logo: Provider logo in SVG format
404	Not Found	If the URL does not point to a provider, you will get the HTTP status 404 (Not found).	None	none

Get Provider EBICS Info

Code samples

## You can also use wget
curl -X GET https://banksapi.io/providers/v2/{provider-id}/ebics \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /providers/v2/{provider-id}/ebics

Retrieve EBICS information for a specific provider (if available).

Parameters

Name	In	Type	Required	Description
provider-id	path	string(uuid)	true	ID of a provider

Example responses

200 Response

{
  "hostId": "HOSTIDXY",
  "hostUrl": "https://ebics.bank.com/ebics"
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns an EBICS info object for a specific provider.	ProviderEbicsInfo	none
404	Not Found	If the URL does not point to a provider, you will get the HTTP status 404 (Not found).	None	none

Check Instant Payment Support

Code samples

## You can also use wget
curl -X POST https://banksapi.io/providers/v2/{provider-id}/instant-payment-supported \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

POST /providers/v2/{provider-id}/instant-payment-supported

Determines whether instant payments from a specific provider are supported based on the recipient IBANs and the transfer type. If the recipientIbans are not provided, it will only be determined if the provider supports sending instant payments.

Body parameter

{
  "type": "object",
  "properties": {
    "recipientIbans": {
      "type": "array",
      "description": "The recipient's IBANs. If not provided, it will only be determined if the provider supports sending instant payments.",
      "items": {
        "type": "string"
      },
      "example": [
        "DE92123456789876543210"
      ]
    },
    "transferType": {
      "type": "string",
      "description": "The type of transfer. This type is required if `recipientIbans` is not provided.",
      "enum": [
        "SINGLE",
        "BULK"
      ],
      "example": "SINGLE"
    }
  }
}

Parameters

Name	In	Type	Required	Description
provider-id	path	string(uuid)	true	ID of a provider
body	body	CheckInstantPaymentSupport	true	none

Example responses

200 Response

{
  "type": "object",
  "required": [
    "senderProviderId",
    "transferType",
    "instantPaymentSupported"
  ],
  "properties": {
    "senderProviderId": {
      "type": "string",
      "description": "The ID of the provider sending the instant payment.",
      "example": "00000000-0000-0000-0000-000000000000"
    },
    "recipientIbans": {
      "type": "array",
      "description": "The IBANs of the recipients.",
      "items": {
        "type": "string"
      },
      "example": [
        "DE92123456789876543210"
      ]
    },
    "transferType": {
      "type": "string",
      "description": "The type of transfer.",
      "enum": [
        "SINGLE",
        "BULK"
      ],
      "example": "SINGLE"
    },
    "instantPaymentSupported": {
      "type": "boolean",
      "description": "Indicates if instant payment is supported.",
      "example": true
    }
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns information about whether instant payments are supported.	InstantPaymentSupportResult	none
400	Bad Request	Bad request if the input parameters are incorrect.	None	none
404	Not Found	If the URL does not point to a provider, you will get the HTTP status 404 (Not found).	None	none

Customer

Get Customer

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2 \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2

Retrieves the customer object for the authenticated user. It is also the entry point to the deeper functions of the interface.

Example responses

200 Response

{
  "bankzugaenge": {
    "4000fda7-18af-463f-b694-bbafe5d23a48": {
      "messages": [
        {
          "level": "INFO",
          "code": "BA3010",
          "message": "SCA benötigt",
          "details": "Bitte wählen Sie eine SCA-Methode aus"
        }
      ],
      "sicherheitsverfahren": [
        {
          "kodierung": 980,
          "name": "mTAN",
          "hinweis": "mTAN"
        },
        {
          "name": "SMS_OTP",
          "kodierung": "942",
          "hinweis": "SMS OTP"
        }
      ],
      "relations": [
        {
          "rel": "startSCA",
          "href": "https://banksapi.io/v2/customer/consent/1345340218050910215PSDDE-BAFIN-152070CO4960JJ"
        }
      ]
    }
  },
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2"
    },
    {
      "rel": "get_bankzugaenge",
      "href": "https://banksapi.io/customer/v2/bankzugaenge"
    },
    {
      "rel": "add_bankzugaenge",
      "href": "https://banksapi.io/customer/v2/bankzugaenge"
    },
    {
      "rel": "delete_bankzugaenge",
      "href": "https://banksapi.io/customer/v2/bankzugaenge"
    }
  ]
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns customer object of the user.	Customer	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) get_bankzugaenge: Lists all bank accesses of the user add_bankzugaenge: adds a new bank access to the user delete_bankzugaenge: Delete all bank accesses of the user delete_regprotect_sessions: Deletes all current REG/Protect sessions for the user get_contracts: Returns the contracts of the user get_sales_triggers: Returns the sales trigger of the user get_life_events: Returns the life events of the user get_life_stages: Returns the life stages of the user get_cashflow: Returns the cashflow of the user get_credit_check: Returns the credit check of the user get_disposable_money: Returns the disposable money of the user get_affinities: Returns the affinities of the user get_credit_attributes: Returns the credit attributes of the user get_tagging_rules: Returns the manually created tagging rules of the user delete_tagging_rules: Deletes all tagging rules of the user add_tagging_rules: Adds a new tagging rule to the user

Customer Bank Access

Add Bank Access

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/bankzugaenge?callbackUrl=https%3A%2F%2Fdemo-tenant.com%2Fcallback%3Fstate%3D123 \
  -H 'Content-Type: application/json' \
  -H 'Customer-IP-Address: 154.25.45.133' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/bankzugaenge

Adds a bank access for the given user and set of credentials.

Body parameter

{
  "d48744c0-132c-4ae4-a909-1ff771f61503": {
    "providerId": "00000000-0000-0000-0000-000000000000",
    "credentials": {
      "userid": "mOd2uKYr+2 ... TWOPCAt5zP",
      "pin": "Hhnc+aW/eM ... 7F+XRSHasW"
    },
    "sync": true,
    "selectedBankProducts": [
      "DE00123456789012345679"
    ]
  }
}

Parameters

Name	In	Type	Required	Description
Customer-IP-Address	header	string	true	The IP address of the customer. Must be a public IP address (IPv4, IPv6)
callbackUrl	query	string(url)	true	A callback URL.
refresh	query	boolean	false	If the bank access already exists, regardless of the background update, all revenues and information are retrieved by the provider, if true
queryTanSettings	query	boolean	false	Flag to ignore saved TAN-settings and query them.
headOnly	query	boolean	false	Flag to solely fetch header data of the account without balances and transactions (e.g. to get the list of selectable bank products). If this flag is `true` the flag `sync` in the request payload has to be `false` and no `selectedBankProducts` can be specified.
maxTransactions	query	MaxTransactions	false	Indicator if transactions older than 90 days should be fetched.
paymentAccountsOnly	query	boolean	false	Flag to solely fetch payment accounts. Other accounts will be ignored, which can result in fewer SCAs.
body	body	CreateBankAccess	true	The body contains information about the bank access. REG/Hosting tenants need to provide credentials in case this is not a "refresh"-request. In case of a REG/Protect tenant or a "refresh"-request the value for the access-id-key should be an empty object.

Enumerated Values

Parameter	Value
maxTransactions	none
maxTransactions	all
maxTransactions	paymentAccounts

Responses

Status	Meaning	Description	Schema	Possible relations
201	Created	HTTP status 201 (Created) is returned together with the HTTP header Location. Under the URL specified in the header, the added bank accesses can be queried analogously by means of an HTTP GET call.	None	none
451	Unavailable For Legal Reasons	This response is for REG/Protect tenants. It contains a link to the REG/Protect application in the HTTP header Location	None	none
504	Gateway Time-out	The started request could not be answered in the given time	None	none

Response Headers

Status	Header	Type	Format	Description
201	Location	string		URL to get the created bank access using GET method
451	Location	string		Link to the REG/Protect application. Append a callbackUrl query-parameter to the URL

Get Bank Accesses

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/bankzugaenge \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/bankzugaenge

Retrieves all bank accesses for this user.

Example responses

200 Response

{
  "0b7f4783-4c93-4820-8e73-354a0f1c469e": {
    "id": "0b7f4783-4c93-4820-8e73-354a0f1c469e",
    "providerId": "00000000-0000-0000-0000-000000000000",
    "aktualisierungszeitpunkt": "2021-10-15 09:13:44",
    "tanMedien": [
      {
        "name": "Mobil",
        "medienklasse": "MOBIL",
        "gueltigVon": "2021-10-15 09:13:44",
        "gueltigBis": "2021-10-15 09:13:44"
      }
    ],
    "sicherheitsverfahren": [
      {
        "kodierung": 1,
        "name": "mockTAN",
        "hinweis": "Gib eine durch 2 teilbare Zahl ein"
      },
      {
        "kodierung": 999,
        "name": "iTAN",
        "hinweis": "Gib die TAN \"12\" an."
      }
    ],
    "aktivesSicherheitsverfahren": {
      "kodierung": 999,
      "name": "iTAN",
      "hinweis": "Gib die TAN \"12\" an."
    },
    "relations": [
      {
        "rel": "self",
        "href": "https://banksapi.io/customer/v2/bankzugaenge/0b7f4783-4c93-4820-8e73-354a0f1c469e"
      },
      {
        "rel": "delete_bankzugang",
        "href": "https://banksapi.io/customer/v2/bankzugaenge/0b7f4783-4c93-4820-8e73-354a0f1c469e"
      }
    ],
    "status": "VOLLSTAENDIG",
    "bankprodukte": [
      {
        "id": "DE00123456789012345679",
        "status": "VOLLSTAENDIG",
        "bezeichnung": "Tagesgeldkonto",
        "kategorie": "TAGESGELDKONTO",
        "saldo": 27365.56,
        "aktualisierungszeitpunkt": "2021-10-15 09:13:44",
        "saldoDatum": "2021-10-15 00:00:00",
        "waehrung": "EUR",
        "kontonummer": "9012345679",
        "iban": "DE00123456789012345679",
        "bic": "XXX12345678",
        "blz": "12345678",
        "kreditinstitut": "Demo Provider",
        "inhaber": "Fritz Testmüller",
        "transferSupport": true,
        "relations": [
          {
            "rel": "get_kontoumsaetze",
            "href": "https://banksapi.io/customer/v2/bankzugaenge/0b7f4783-4c93-4820-8e73-354a0f1c469e/DE00123456789012345679/kontoumsaetze"
          },
          {
            "rel": "initiate_single_transfer",
            "href": "https://banksapi.io/customer/v2/payment/single-transfer"
          },
          {
            "rel": "initiate_bulk_transfer",
            "href": "https://banksapi.io/customer/v2/payment/bulk-transfer"
          }
        ],
        "messages": [],
        "verfuegungsrahmen": 27365.56,
        "verfuegterBetrag": 0
      }
    ],
    "sync": true
  },
  "4000fda7-18af-463f-b694-bbafe5d23a48": {
    "status": "VOLLSTAENDIG",
    "tanMedien": [
      {
        "gueltigVon": "2016-06-03 17:17:41",
        "gueltigBis": "2016-06-03 17:17:41",
        "name": "Mobil",
        "medienklasse": "MOBIL"
      }
    ],
    "sicherheitsverfahren": [
      {
        "kodierung": 2,
        "name": "mTAN",
        "hinweis": "mTAN"
      },
      {
        "kodierung": 1,
        "name": "Mock-TAN",
        "hinweis": "Mock-TAN"
      }
    ],
    "aktivesSicherheitsverfahren": {
      "kodierung": 1,
      "name": "Mock-TAN",
      "hinweis": "Mock-TAN"
    },
    "aktualisierungszeitpunkt": "2016-06-10 17:17:40",
    "timeout": "2016-12-24 13:37:42",
    "messages": [],
    "bankprodukte": [],
    "relations": [],
    "sync": false
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	The success response contains an collection of bank accesses.	ListOfBankAccesses	none
401	Unauthorized	The bearer authorization header was not sent or the value was incorrect.	None	none

Delete All Bank Accesses

Code samples

## You can also use wget
curl -X DELETE https://banksapi.io/customer/v2/bankzugaenge \
  -H 'Customer-IP-Address: 154.25.45.133' \
  -H 'Authorization: Bearer {access-token}'

DELETE /customer/v2/bankzugaenge

Removes all bank accesses of the authenticated user.

Parameters

Name	In	Type	Required	Description
Customer-IP-Address	header	string	true	The IP address of the customer. Must be a public IP address (IPv4, IPv6)

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	The HTTP status 200 returns without any further response body.	None	none

Get Bank Access

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/bankzugaenge/{access-id} \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/bankzugaenge/{access-id}

Retrieves a specific bank access for this user.

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access

Example responses

200 Response

{
  "status": "VOLLSTAENDIG",
  "tanMedien": [
    {
      "gueltigVon": "2016-06-03 17:17:41",
      "gueltigBis": "2016-06-03 17:17:41",
      "name": "Mobil",
      "medienklasse": "MOBIL"
    }
  ],
  "sicherheitsverfahren": [
    {
      "kodierung": 2,
      "name": "mTAN",
      "hinweis": "mTAN"
    },
    {
      "kodierung": 1,
      "name": "Mock-TAN",
      "hinweis": "Mock-TAN"
    }
  ],
  "aktivesSicherheitsverfahren": {
    "kodierung": 1,
    "name": "Mock-TAN",
    "hinweis": "Mock-TAN"
  },
  "aktualisierungszeitpunkt": "2016-06-10 17:17:40",
  "timeout": "2016-12-24 13:37:42",
  "messages": [],
  "bankprodukte": [],
  "relations": [],
  "sync": false
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns a bank access object	BankAccess	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) delete_bankzugang: Deletes a bank access of the user get_issues: Shows issues for the given bank access get_challenge_pdf: Returns the PDF file from the challenge if available set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it redirect_url: Contains link to the website, that the user needs to follow for the completion of the SCA refresh_bankzugang: refreshes an existing bank access
504	Gateway Time-out	The started request could not be answered in the given time	None	none

Delete Bank Access

Code samples

## You can also use wget
curl -X DELETE https://banksapi.io/customer/v2/bankzugaenge/{access-id} \
  -H 'Customer-IP-Address: 154.25.45.133' \
  -H 'Authorization: Bearer {access-token}'

DELETE /customer/v2/bankzugaenge/{access-id}

Deletes a specific bank access.

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
Customer-IP-Address	header	string	true	The IP address of the customer. Must be a public IP address (IPv4, IPv6)

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns without any further response body.	None	none
404	Not Found	The bank access with the given access-id was not found / does not exist.	None	none

Get Bank Access Issues

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/bankzugaenge/{access-id}/issues \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/bankzugaenge/{access-id}/issues

Retrieves last known issues for a specific bank access for this user.

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access

Example responses

200 Response

{
  "id": "815251d6-c062-4f61-bec0-182bc14a48fb",
  "providerId": "00000000-0000-0000-0000-000000000000",
  "tanMedien": [
    {
      "gueltigVon": "2016-06-03 17:17:41",
      "gueltigBis": "2016-06-03 17:17:41",
      "name": "Mobil",
      "medienklasse": "MOBIL"
    }
  ],
  "sicherheitsverfahren": [
    {
      "kodierung": 2,
      "name": "mTAN",
      "hinweis": "mTAN"
    },
    {
      "kodierung": 1,
      "name": "Mock-TAN",
      "hinweis": "Mock-TAN"
    }
  ],
  "aktivesSicherheitsverfahren": {
    "kodierung": 1,
    "name": "Mock-TAN",
    "hinweis": "Mock-TAN"
  },
  "challenge": {
    "name": "Mock-TAN-Verfahren",
    "content": {
      "instructions": "Enter a TAN that is divisible by 2"
    },
    "decoupled": false,
    "redirect": false
  },
  "aktualisierungszeitpunkt": "2016-06-10 17:17:40",
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA benötigt",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "relations": [
    {
      "rel": "set_method",
      "href": "https://banksapi.io/v2/customer/consent/1345340218050910215PSDDE-BAFIN-152070CO4960JJ"
    }
  ]
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns a bank access issues object	BankAccessIssues	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) delete_bankzugang: Deletes a bank access of the user get_issues: Shows issues for the given bank access set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it redirect_url: Contains link to the website, that the user needs to follow for the completion of the SCA

Get Bank Access Challenge PDF

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/bankzugaenge/{access-id}/challenge/pdf \
  -H 'Accept: application/pdf' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/bankzugaenge/{access-id}/challenge/pdf

Retrieves the PDF file from the bank access challenge if available.

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access

Example responses

200 Response

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns the PDF file from the bank access challenge if available.	string	none
404	Not Found	The PDF file for the given access-id was not found / does not exist.	None	none

Get Bank Product

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/bankzugaenge/{access-id}/{product-id} \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/bankzugaenge/{access-id}/{product-id}

Retrieve information for a single bank product.

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
product-id	path	string	true	ID of a banking product

Example responses

200 Response

{
  "kategorie": "GIROKONTO",
  "produktbezeichnung": "Demo-Girokonto",
  "produktId": "DE1235233452324553423442A",
  "inhaber": "Dan Cooper",
  "aktualisierungsdatum": "2016-05-23 13:37:00",
  "saldo": "200000.00",
  "waehrung": "USD",
  "saldoDatum": "2016-05-23 13:37:00",
  "kontonummer": "0123456789",
  "iban": "DE1235233452324553423442",
  "bic": "BICIS133742",
  "blz": "12345678",
  "kreditinstitut": "Demo-Bank",
  "messages": [],
  "relations": [
    {
      "rel": "get_kontoumsaetze",
      "href": "https://test.banksapi.io/customer/v2/bankzugaenge/cba09da4-57fb-4262-b11c-3192b3438265/DE00123456789012345679/kontoumsaetze"
    },
    {
      "rel": "initiate_single_transfer",
      "href": "https://banksapi.io/customer/v2/payment/single-transfer"
    },
    {
      "rel": "initiate_bulk_transfer",
      "href": "https://banksapi.io/customer/v2/payment/bulk-transfer"
    }
  ]
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns data of the bank product.	Product	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) get_kontoumsaetze: Lists all transactions of the given banking product, default are transactions of the last 90 days, available if product has transactions initiate_single_transfer: Initiates a single transfer initiate_bulk_transfer: Initiates a bulk transfer initiate_single_transfer_with_saved_credentials: Initiates a single transfer with previously saved credentials initiate_bulk_transfer_with_saved_credentials: Initiates a bulk transfer with previously saved credentials get_depotpositionen: Lists all depot positions of the given banking product, available if product has `kategorie` set to `DEPOT` and if depot positions are available get_kontoumsaetze_categories: Acts the same as `get_kontoumsaetze`, but with added category `tag`s get_kontoumsaetze_business_partners: Acts the same as `get_kontoumsaetze`, but with added business partner `tag`s get_kontoumsaetze_periods: Acts the same as `get_kontoumsaetze`, but with added period `tag`s get_kontoumsaetze_insurance_types: Acts the same as `get_kontoumsaetze`, but with added insurance type `tag`s get_kontoumsaetze_freelancer_categories: Acts the same as `get_kontoumsaetze`, but with added freelancer category `tag`s
504	Gateway Time-out	The started request could not be answered in the given time	None	none

Get Transactions

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/bankzugaenge/{access-id}/{product-id}/kontoumsaetze \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/bankzugaenge/{access-id}/{product-id}/kontoumsaetze

Retrieves all transactions for a specific product of a specific access of this user.

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
product-id	path	string	true	ID of a banking product
from	query	string(date-time)	false	Only return transactions with a booking date after this Date/Time (ISO 8601 formatted timestamp); may be used with `to` to specify a time window
to	query	string(date-time)	false	Only return transactions with a booking date before this Date/Time (ISO 8601 formatted timestamp); may be used with `from` to specify a time window
tag	query	any	false	The resulting transactions will each contain Categorization objects of the corresponding tag type
filter	query	string	false	Filter to apply to result set. Filter expression must be URL-encoded. Filter expression must be in the form `<field-selector><predicate><value>`.

Enumerated Values

Parameter	Value
tag	categories
tag	business-partners
tag	periods
tag	insurance-types
tag	freelancer-categories
tag	custom-categories

Example responses

200 Response

[
  {
    "betrag": -70,
    "verwendungszweck": "EC 68096654 140215204106OC3 Ref. 5CC15048A1824480/89280",
    "buchungsdatum": "2016-11-17 00:00:00",
    "wertstellungsdatum": "2016-11-15 00:00:00",
    "gegenkontoInhaber": "La Sopia GmbH München",
    "gegenkontoIban": "DE00123456789012345679",
    "gegenkontoBic": "XXX12345678",
    "primanotaNummer": "421337"
  }
]

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns an array of transactions.	Inline	none

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[allOf]	false	none	none

allOf

Name	Type	Required	Restrictions	Description
» anonymous	object	false	none	none
»» id	string(uuid)	false	none	The unique id of this transaction.
»» hash	string(uuid)	false	none	none

and

Name	Type	Required	Restrictions	Description
» anonymous	TransactionData	false	none	none
»» betrag	number	true	none	Amount with two decimal places.
»» waehrung	string	false	none	Currency of the transaction.
»» verwendungszweck	string	true	none	The purpose of the transaction.
»» buchungstext	string	false	none	A text for the entry of the transaction
»» buchungsdatum	string(YYYY-MM-DD hh:mm:ss)	true	none	The date of the entry of the transaction
»» wertstellungsdatum	string(YYYY-MM-DD hh:mm:ss)	false	none	Date of booking
»» gegenkontoInhaber	string	false	none	Owner of the counter account
»» gegenkontoIban	string	false	none	IBAN of the counter account
»» gegenkontoBic	string	false	none	BIC of the counter account
»» gegenkontoInhaberAbweichend	string	false	none	Ultimate owner of the counter account
»» primanotaNummer	string	false	none	Primanota number of sales
»» gvCode	string	false	none	Provider specific code, that denotes transaction use cases
»» identifier	object	false	none	none
»»» endToEndId	string	false	none	none
»»» proprietaryCode	string	false	none	Used for example for PayPal's proprietary transaction ID
»»» entryReference	string	false	none	none
»»» ownerRef	string	false	none	none
»»» bookingRef	string	false	none	none
»»» balance	number	false	none	none
»»» mandateId	string	false	none	Contains the SEPA mandate reference
»»» batchId	string	false	none	none
»» tags	[TagInstanceSchema]	false	none	none
»»» entity	EntitySchema	true	none	none
»»»» displayName	string	true	none	Display name of the entity
»»»» entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
»»»» id	string	true	none	Transaction UUID or USER UUID.
»»»» userId	string	false	none	UUID of the USER. Same as id field for USER entities.
»»» id	string	true	none	Unique Universal Identifier (UUID)
»»» relations	[RelationSchema]	false	none	List of relations
»»»» href	string	true	none	Link of the relation
»»»» rel	string	true	none	Name of the relation
»»» tagTreeItem	TagTreeItemSchema	true	none	none
»»»» description	string	false	none	Gives a description of the tagTreeItem
»»»» displayName	string	false	none	User-friendly name shown to the end-users
»»»» relations	[RelationSchema]	false	none	List of relations
»»»» systemId	integer	false	none	Unique internal id of the tag tree item
»»»» systemName	string	true	none	Unique name of the tag tree item
»»»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»»»» tagTree	BusinessPartnerTagTreeItemSchemaTagTree	true	none	tagTree that the tagTreeItem belongs to
»»»»» description	string	false	none	Gives a description of the tag tree
»»»»» displayName	string	false	none	User-friendly name shown to the end-users
»»»»» isTenantGenerated	boolean	false	none	Boolean flag, set TRUE if the tag was manually set
»»»»» relations	[RelationSchema]	false	none	List of relations
»»»»» systemId	integer	false	none	Unique internal id of the tag tree
»»»»» systemName	string	true	none	Unique name of the tag tree
»»»»» version	number	false	none	Version of the tag tree

modify categorisation of transactions

Code samples

## You can also use wget
curl -X PUT https://banksapi.io/customer/v2/bankzugaenge/{access-id}/{product-id}/kontoumsaetze/{transaction-id} \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

PUT /customer/v2/bankzugaenge/{access-id}/{product-id}/kontoumsaetze/{transaction-id}

This method applies corrections to the categorization of transactions. Initial categorization is required before recategorization.

Input contains the tag tree item that should be used for recategorization. A valid tag tree item has to be provided.

The flag createRule creates a user specific rule that automatically categorizes this counterparty with the provided tag tree item in all future transactions. This is a smart solution to eradicate a recurring recategorization process.

The flag changeExisting recategorizes all existing transactions of the same counterparty.

The tagTreeItem has to include a tagTree and has to be wrapped in tags: [].

The recategorization currently relies on the systemName value of tagTreeItem and tagTree, but as this might change in the future, both systemName and systemId should be included in the payload, all other fields are ignored.

To get a full list of tag tree items, use: GET https://banksapi.io/tags/v1/tags/tag_trees/1/tag_tree_items/

Body parameter

{
  "type": "object",
  "properties": {
    "tags": {
      "type": "array",
      "items": {
        "properties": {
          "entity": {
            "properties": {
              "displayName": {
                "description": "Display name of the entity",
                "example": "TRANSACTION",
                "type": "string"
              },
              "entityClass": {
                "description": "Class of the entity, such as TRANSACTION or USER",
                "example": "TRANSACTION",
                "type": "string"
              },
              "id": {
                "description": "Transaction UUID or USER UUID.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              },
              "userId": {
                "description": "UUID of the USER. Same as id field for USER entities.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "entityClass",
              "id"
            ],
            "type": "object"
          },
          "id": {
            "description": "Unique Universal Identifier (UUID)",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "relations": {
            "description": "List of relations",
            "items": {
              "properties": {
                "href": {
                  "description": "Link of the relation",
                  "example": "https://banksapi.io/.../tags/tag-trees/1/",
                  "type": "string"
                },
                "rel": {
                  "description": "Name of the relation",
                  "example": "tag_trees",
                  "type": "string"
                }
              },
              "required": [
                "href",
                "rel"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "tagTreeItem": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "relations": {
                "description": "List of relations",
                "items": {
                  "properties": {
                    "href": {
                      "description": "Link of the relation",
                      "example": "https://banksapi.io/.../tags/tag-trees/1/",
                      "type": "string"
                    },
                    "rel": {
                      "description": "Name of the relation",
                      "example": "tag_trees",
                      "type": "string"
                    }
                  },
                  "required": [
                    "href",
                    "rel"
                  ],
                  "type": "object"
                },
                "type": "array"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "example": {
                      "description": "Two level categorization tree.",
                      "displayName": "Kategorien",
                      "isClientGenerated": false,
                      "relations": [
                        {
                          "href": "https://banksapi.io/tags/v1/tag-trees/1/",
                          "rel": "self"
                        },
                        {
                          "href": "https://banksapi.io/tags/v1/tag-trees/",
                          "rel": "tag_trees"
                        },
                        {
                          "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/",
                          "rel": "tag_tree_items"
                        }
                      ],
                      "systemId": 1,
                      "systemName": "CATEGORIES",
                      "version": 3.7
                    },
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "relations": {
                        "description": "List of relations",
                        "items": {
                          "properties": {
                            "href": {
                              "description": "Link of the relation",
                              "example": "https://banksapi.io/.../tags/tag-trees/1/",
                              "type": "string"
                            },
                            "rel": {
                              "description": "Name of the relation",
                              "example": "tag_trees",
                              "type": "string"
                            }
                          },
                          "required": [
                            "href",
                            "rel"
                          ],
                          "type": "object"
                        },
                        "type": "array"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "systemName"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to",
                "type": "object"
              }
            },
            "required": [
              "systemName",
              "tagTree"
            ],
            "type": "object"
          }
        },
        "required": [
          "entity",
          "id",
          "tagTreeItem"
        ],
        "type": "object"
      }
    }
  }
}

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
product-id	path	string	true	ID of a banking product
transaction-id	path	string(uuid)	true	ID of a transaction
changeExisting	query	boolean	false	none
createRule	query	boolean	false	none
body	body	WrappedTags	true	none

Example responses

400 Response

{
  "type": "object",
  "properties": {
    "code": {
      "type": "string",
      "description": "HTTP Code",
      "example": "400"
    },
    "message": {
      "type": "string",
      "description": "error message",
      "example": "Tag with system name INSURANCE_LIF does not exist for tag tree CATEGORIES"
    }
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	transaction was successfully modified	None	none
400	Bad Request	error in request body	ErrorMessage	none
404	Not Found	transaction was not found	None	none

Get Portfolio

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/bankzugaenge/{access-id}/{product-id}/depotpositionen \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/bankzugaenge/{access-id}/{product-id}/depotpositionen

Retrieves all investments in a specific banking product of type brokerage account (portfolio depot) for this user.

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
product-id	path	string	true	ID of a banking product

Example responses

200 Response

[
  {
    "name": "Aberdeen Global - Emer. Markets Equity E2",
    "menge": 210.819609,
    "handelseinheit": "STUECK",
    "isin": "LU0498181733",
    "wkn": "A1C5UV",
    "kurs": 15.4117,
    "kursDatum": "2021-10-15 15:50:20",
    "waehrung": "EUR",
    "waehrungskurs": 1,
    "handelsplatz": "KAG",
    "gesamtwert": 3249.09
  }
]

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns an array of investments, e.g. stocks, bonds and other positions.	Inline	none

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[Investment]	false	none	[A securities account item corresponds to a security position of a securities account.]
» Investment	Investment	false	none	A securities account item corresponds to a security position of a securities account.
»» name	string	false	none	Name of the deposit position, usually the name of the financial instrument
»» menge	number	false	none	Amount with decimal places
»» handelseinheit	string	false	none	Trade item, STUECK or NOMINAL
»» isin	string	false	none	ISIN of the financial instrument
»» wkn	string	false	none	WKN of the financial instrument
»» kurs	number	false	none	Price in trading currency
»» kursDatum	string(YYYY-MM-DD hh:mm:ss)	false	none	The quote date
»» waehrung	string	false	none	Trading currency (Alphabetic Code ISO 4217)
»» waehrungskurs	number	false	none	Conversion rate from EUR to the trading currency
»» handelsplatz	string	false	none	Trading place of the price determination
»» gesamtwert	number	false	none	Total value of the stock in the currency given in 'waehrung' as at the end of the financial statements

Enumerated Values

Property	Value
handelseinheit	STUECK
handelseinheit	NOMINAL

Start SCA

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/bankzugaenge/{access-id}/consent?callbackUrl=https%3A%2F%2Fdemo-tenant.com%2Fcallback%3Fstate%3D123 \
  -H 'Content-Type: application/json' \
  -H 'Customer-IP-Address: 154.25.45.133' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/bankzugaenge/{access-id}/consent

Starts the SCA renewal process

Body parameter

{
  "d48744c0-132c-4ae4-a909-1ff771f61503": {
    "providerId": "00000000-0000-0000-0000-000000000000",
    "credentials": {
      "userid": "mOd2uKYr+2 ... TWOPCAt5zP",
      "pin": "Hhnc+aW/eM ... 7F+XRSHasW"
    },
    "sync": true,
    "selectedBankProducts": [
      "DE00123456789012345679"
    ]
  }
}

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
Customer-IP-Address	header	string	true	The IP address of the customer. Must be a public IP address (IPv4, IPv6)
callbackUrl	query	string(url)	true	A callback URL.
queryTanSettings	query	boolean	false	Flag to ignore saved TAN-settings and query them.
maxTransactions	query	MaxTransactions	false	Indicator if transactions older than 90 days should be fetched.
body	body	CreateBankAccess	false	Login data for the access. Only needed if access is not being automatically synchronized with the provider (`sync=false`).

Enumerated Values

Parameter	Value
maxTransactions	none
maxTransactions	all
maxTransactions	paymentAccounts

Responses

Status	Meaning	Description	Schema	Possible relations
201	Created	HTTP status 201 (Created) is returned together with the HTTP header Location. Under the URL specified in the header, the added bank accesses can be queried analogously by means of an HTTP GET call.	None	none
451	Unavailable For Legal Reasons	This response is for REG/Protect tenants. It contains a link to the REG/Protect application in the HTTP header Location	None	none

Response Headers

Status	Header	Type	Format	Description
201	Location	string		URL to get the created bank access using GET method
451	Location	string		Link to the REG/Protect application. Append a callbackUrl query-parameter to the URL

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/bankzugaenge/{access-id}/consent/{consent-id} \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/bankzugaenge/{access-id}/consent/{consent-id}

Submits a SCA method, medium or authentication data for the current SCA (e.g. when creating a bank access).

Body parameter

{
  "chosenScaMethodId": "942"
}

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
consent-id	path	string(uuid)	true	ID of the consent
body	body	SubmitScaData	true	none

Example responses

200 Response

{
  "status": "VOLLSTAENDIG",
  "tanMedien": [
    {
      "gueltigVon": "2016-06-03 17:17:41",
      "gueltigBis": "2016-06-03 17:17:41",
      "name": "Mobil",
      "medienklasse": "MOBIL"
    }
  ],
  "sicherheitsverfahren": [
    {
      "kodierung": 2,
      "name": "mTAN",
      "hinweis": "mTAN"
    },
    {
      "kodierung": 1,
      "name": "Mock-TAN",
      "hinweis": "Mock-TAN"
    }
  ],
  "aktivesSicherheitsverfahren": {
    "kodierung": 1,
    "name": "Mock-TAN",
    "hinweis": "Mock-TAN"
  },
  "aktualisierungszeitpunkt": "2016-06-10 17:17:40",
  "timeout": "2016-12-24 13:37:42",
  "messages": [],
  "bankprodukte": [],
  "relations": [],
  "sync": false
}

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns a bank access object	BankAccess	set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/bankzugaenge/{access-id}/consent/{consent-id} \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/bankzugaenge/{access-id}/consent/{consent-id}

Can be used for the decoupled SCA approach to check if the SCA has already been confirmed.

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
consent-id	path	string(uuid)	true	ID of the consent

Example responses

200 Response

{
  "status": "VOLLSTAENDIG",
  "tanMedien": [
    {
      "gueltigVon": "2016-06-03 17:17:41",
      "gueltigBis": "2016-06-03 17:17:41",
      "name": "Mobil",
      "medienklasse": "MOBIL"
    }
  ],
  "sicherheitsverfahren": [
    {
      "kodierung": 2,
      "name": "mTAN",
      "hinweis": "mTAN"
    },
    {
      "kodierung": 1,
      "name": "Mock-TAN",
      "hinweis": "Mock-TAN"
    }
  ],
  "aktivesSicherheitsverfahren": {
    "kodierung": 1,
    "name": "Mock-TAN",
    "hinweis": "Mock-TAN"
  },
  "aktualisierungszeitpunkt": "2016-06-10 17:17:40",
  "timeout": "2016-12-24 13:37:42",
  "messages": [],
  "bankprodukte": [],
  "relations": [],
  "sync": false
}

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns a bank access object	BankAccess	set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/bankzugaenge/{access-id}/consent/{consent-id}/cancel \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/bankzugaenge/{access-id}/consent/{consent-id}/cancel

Cancels an SCA redirect and stops the corresponding access synchronization. This request is permitted only for the redirect SCA approach.

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
consent-id	path	string(uuid)	true	ID of the consent

Example responses

200 Response

{
  "id": "815251d6-c062-4f61-bec0-182bc14a48fb",
  "providerId": "00000000-0000-0000-0000-000000000000",
  "aktualisierungszeitpunkt": "2022-02-02 22:22:22",
  "messages": [
    {
      "level": "ERROR",
      "code": "BA3040",
      "message": "SCA fehlgeschlagen",
      "details": "Redirect-SCA wurde abgebrochen"
    },
    {
      "level": "INFO",
      "code": "BA3000",
      "message": "SCA notwendig"
    }
  ],
  "tanMedien": [],
  "sicherheitsverfahren": [],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/bankzugaenge/815251d6-c062-4f61-bec0-182bc14a48fb"
    },
    {
      "rel": "delete_bankzugang",
      "href": "https://banksapi.io/customer/v2/bankzugaenge/815251d6-c062-4f61-bec0-182bc14a48fb"
    },
    {
      "rel": "get_issues",
      "href": "https://banksapi.io/customer/v2/bankzugaenge/815251d6-c062-4f61-bec0-182bc14a48fb/issues"
    },
    {
      "rel": "start_sca",
      "href": "https://banksapi.io/customer/v2/bankzugaenge/815251d6-c062-4f61-bec0-182bc14a48fb/consent"
    }
  ],
  "status": "VOLLSTAENDIG",
  "bankprodukte": [],
  "sync": false
}

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns a bank access object	BankAccess	none

Customer Bank Access Payment

Initiate a single transfer

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/bankzugaenge/{access-id}/{product-id}/payment/single-transfer?callbackUrl=https%3A%2F%2Fdemo-tenant.com%2Fcallback%3Fstate%3D123 \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Customer-IP-Address: 154.25.45.133' \
  -H 'Rejection-NoFunds-Preferred: true' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/bankzugaenge/{access-id}/{product-id}/payment/single-transfer

Initiates a payment for the given bank access, without providing access credentials

Body parameter

{
  "instant": false,
  "requestedExecutionDate": "2024-09-19",
  "transferDetails": {
    "recipient": "netzpolitik.org e. V.",
    "purpose": "Spende netzpolitik.de",
    "iban": "DE62430609671149278400",
    "bic": "GENODEM1GLS",
    "currency": "EUR",
    "amount": 1337.42,
    "endToEndId": "be7649876d5f439886fa816993ac9f9f"
  }
}

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
product-id	path	string	true	ID of a banking product
Customer-IP-Address	header	string	true	The IP address of the customer. Must be a public IP address (IPv4, IPv6)
Rejection-NoFunds-Preferred	header	boolean	false	If set to "true", the bank should reject the payment if there are insufficient funds. If set to "false", the bank may wait for a certain period for funds to arrive. This parameter may be ignored by the bank.
callbackUrl	query	string(url)	true	A callback URL.
editableDetails	query	boolean	false	Flag for REG/Protect to control whether fields on the frontend are editable
autoConfirm	query	boolean	false	Flag for REG/Protect to control whether transfers can be entered without interaction
body	body	BasicSingleTransferData	false	The request body object carries the data for a payment. It is expected when creating a payment. It is not required for REG/Protect tenants when requesting with `editableDetails=true`.

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/single-transfer/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/consent/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7"
    }
  ],
  "transfer": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "5208b5cb-2f88-4bba-87a5-c5e0356c460c",
    "ebics": false,
    "instant": false,
    "requestedExecutionDate": "2024-09-19",
    "transferDetails": {
      "recipient": "netzpolitik.org e. V.",
      "purpose": "Spende netzpolitik.de",
      "iban": "DE62430609671149278400",
      "bic": "GENODEM1GLS",
      "currency": "EUR",
      "amount": 1337.42,
      "endToEndId": "be7649876d5f439886fa816993ac9f9f"
    }
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns object with the transfer status	SingleTransferResult	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it
404	Not Found	Bank Access Credentials could not be found	None	none
451	Unavailable For Legal Reasons	This response is for REG/Protect tenants. It contains a link to the REG/Protect application in the HTTP header Location	None	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) get_webform: Contains link to the REG/Protect web application

Response Headers

Status	Header	Type	Format	Description
451	Location	string		Link to the REG/Protect application. Append a callbackUrl query-parameter to the URL

Initiate a bulk transfer

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/bankzugaenge/{access-id}/{product-id}/payment/bulk-transfer?callbackUrl=https%3A%2F%2Fdemo-tenant.com%2Fcallback%3Fstate%3D123 \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Customer-IP-Address: 154.25.45.133' \
  -H 'Rejection-NoFunds-Preferred: true' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/bankzugaenge/{access-id}/{product-id}/payment/bulk-transfer

Initiates a payment for the given bank access, without providing access credentials

Body parameter

{
  "description": "Request data to start a transfer",
  "required": [
    "transferDetails"
  ],
  "title": "BulkTransferData",
  "type": "object",
  "properties": {
    "instant": {
      "type": "boolean",
      "description": "If set to true, the transfer will be executed as an instant payment.\nPlease note that instant payments may not be supported\nor may incur additional costs depending on the bank.\n"
    },
    "requestedExecutionDate": {
      "type": "string",
      "format": "YYYY-MM-DD",
      "description": "The requested execution date of the transfer.\nPlease note that transfers with execution date may not be supported depending on the bank.\n"
    },
    "transferDetails": {
      "type": "array",
      "items": {
        "title": "TransferDetails",
        "required": [
          "recipient",
          "purpose",
          "iban",
          "amount",
          "currency"
        ],
        "type": "object",
        "properties": {
          "recipient": {
            "type": "string",
            "description": "Receiver of the transfer"
          },
          "purpose": {
            "type": "string",
            "description": "Purpose of the transfer"
          },
          "iban": {
            "type": "string",
            "description": "IBAN of the recipient account"
          },
          "bic": {
            "type": "string",
            "description": "BIC of the recipient account"
          },
          "currency": {
            "type": "string",
            "description": "Currency of the transfer (Alphabetic Code ISO 4217)"
          },
          "amount": {
            "type": "number",
            "description": "Transfer amount"
          },
          "endToEndId": {
            "type": "string",
            "description": "End-to-end identification of the transfer"
          },
          "purposeCode": {
            "type": "string",
            "description": "Code to further classify payment using an [ISO20022 External Code](https://www.iso20022.org/catalogue-messages/additional-content-messages/external-code-sets)",
            "example": "SALA, DIVD, PENS, LOAN, ..."
          },
          "ultimateDebtor": {
            "type": "string",
            "description": "Ultimate debtor if deviating from account holder"
          },
          "ultimateCreditor": {
            "type": "string",
            "description": "Ultimate creditor if deviating from recipient"
          }
        },
        "description": "TransferDetails are used in InitiateSingleTransfer and InitiateBulkTransfer"
      }
    }
  }
}

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
product-id	path	string	true	ID of a banking product
Customer-IP-Address	header	string	true	The IP address of the customer. Must be a public IP address (IPv4, IPv6)
Rejection-NoFunds-Preferred	header	boolean	false	If set to "true", the bank should reject the payment if there are insufficient funds. If set to "false", the bank may wait for a certain period for funds to arrive. This parameter may be ignored by the bank.
callbackUrl	query	string(url)	true	A callback URL.
autoConfirm	query	boolean	false	Flag for REG/Protect to control whether transfers can be entered without interaction
body	body	object	true	The request body object carries the data for a payment. It is expected when creating a payment.
» instant	body	boolean	false	If set to true, the transfer will be executed as an instant payment.
» requestedExecutionDate	body	string(YYYY-MM-DD)	false	The requested execution date of the transfer.
» transferDetails	body	[TransferDetails]	true	[TransferDetails are used in InitiateSingleTransfer and InitiateBulkTransfer]
»» TransferDetails	body	TransferDetails	false	TransferDetails are used in InitiateSingleTransfer and InitiateBulkTransfer
»»» recipient	body	string	true	Receiver of the transfer
»»» purpose	body	string	true	Purpose of the transfer
»»» iban	body	string	true	IBAN of the recipient account
»»» bic	body	string	false	BIC of the recipient account
»»» currency	body	string	true	Currency of the transfer (Alphabetic Code ISO 4217)
»»» amount	body	number	true	Transfer amount
»»» endToEndId	body	string	false	End-to-end identification of the transfer
»»» purposeCode	body	string	false	Code to further classify payment using an ISO20022 External Code
»»» ultimateDebtor	body	string	false	Ultimate debtor if deviating from account holder
»»» ultimateCreditor	body	string	false	Ultimate creditor if deviating from recipient

Detailed descriptions

» instant: If set to true, the transfer will be executed as an instant payment. Please note that instant payments may not be supported or may incur additional costs depending on the bank.

» requestedExecutionDate: The requested execution date of the transfer. Please note that transfers with execution date may not be supported depending on the bank.

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/bulk-transfer/fdc61bcd-d0ee-4999-9c77-eff3ba8db0ce"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/consent/fdc61bcd-d0ee-4999-9c77-eff3ba8db0ce"
    }
  ],
  "transfer": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "5208b5cb-2f88-4bba-87a5-c5e0356c460c",
    "ebics": false,
    "instant": false,
    "requestedExecutionDate": "2024-09-19",
    "transferDetails": [
      {
        "recipient": "UNICEF",
        "purpose": "Spende UNICEF",
        "iban": "DE57370205000000300000",
        "bic": "BFSWDE33XXX",
        "currency": "EUR",
        "amount": 150,
        "endToEndId": "be7649876d5f439886fa816993ac9f9f"
      },
      {
        "recipient": "netzpolitik.org e. V.",
        "purpose": "Spende netzpolitik.de",
        "iban": "DE62430609671149278400",
        "bic": "GENODEM1GLS",
        "currency": "EUR",
        "amount": 75,
        "endToEndId": "be7649876d5f439886fa816993ac9f9f"
      }
    ]
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns object with the transfer status	BulkTransferResult	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it
404	Not Found	Bank Access Credentials could not be found	None	none
451	Unavailable For Legal Reasons	This response is for REG/Protect tenants. It contains a link to the REG/Protect application in the HTTP header Location	None	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) get_webform: Contains link to the REG/Protect web application

Response Headers

Status	Header	Type	Format	Description
451	Location	string		Link to the REG/Protect application. Append a callbackUrl query-parameter to the URL

Initiate a single debit

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/bankzugaenge/{access-id}/{product-id}/payment/single-debit \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/bankzugaenge/{access-id}/{product-id}/payment/single-debit

Initiates a payment for the given bank access, without providing access credentials

Body parameter

{
  "allOf": [
    {
      "required": [
        "creditorSchemeIdentification",
        "requestedCollectionDate"
      ],
      "type": "object",
      "properties": {
        "business": {
          "type": "boolean",
          "description": "Indicates whether the debit should be submitted for business or private customers.<br/><br/> It is recommended to assign this field together with `sequenceType` on the top layer (here) and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time."
        },
        "sequenceType": {
          "title": "DebitSequenceType",
          "description": "Sequence type of the debit.<br/><br/> It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.<br/><br/> Sequence types: <li>`FRST` - first debit</li> <li>`RCUR` - recurrent debit</li> <li>`FNAL` - final debit</li> <li>`OOFF` - one-off debit</li>",
          "enum": [
            "FRST",
            "RCUR",
            "FNAL",
            "OOFF"
          ],
          "type": "string"
        },
        "creditorSchemeIdentification": {
          "type": "string",
          "description": "The scheme identification of the creditor."
        },
        "requestedCollectionDate": {
          "type": "string",
          "format": "YYYY-MM-DD",
          "description": "The requested collection date of the debit."
        }
      }
    },
    {
      "description": "Request data to start a single debit",
      "required": [
        "debitDetails"
      ],
      "title": "SingleDebitDataBankAccess",
      "type": "object",
      "properties": {
        "debitDetails": {
          "allOf": [
            {
              "title": "DebitDetails",
              "required": [
                "amount",
                "currency",
                "purpose",
                "endToEndId",
                "debtorName",
                "debtorIban",
                "mandateIdentification",
                "mandateDateOfSignature"
              ],
              "type": "object",
              "properties": {
                "amount": {
                  "type": "number",
                  "format": "double",
                  "description": "Debit amount"
                },
                "currency": {
                  "type": "string",
                  "description": "Currency of the debit"
                },
                "purpose": {
                  "type": "string",
                  "description": "Purpose of the debit."
                },
                "endToEndId": {
                  "type": "string",
                  "description": "End to End Identification of the debit."
                },
                "debtorName": {
                  "type": "string",
                  "description": "Name of the debtor."
                },
                "debtorIban": {
                  "type": "string",
                  "description": "IBAN of the debtor."
                },
                "debtorAccountNumber": {
                  "type": "string",
                  "description": "Account number of the debtor."
                },
                "debtorBankCode": {
                  "type": "string",
                  "description": "Bank code of the debtor."
                },
                "debtorBic": {
                  "type": "string",
                  "description": "BIC of the debtor."
                },
                "mandateIdentification": {
                  "type": "string",
                  "description": "Identification of the mandate."
                },
                "mandateDateOfSignature": {
                  "type": "string",
                  "format": "YYYY-MM-DD",
                  "description": "The signature date of the mandate."
                },
                "business": {
                  "type": "boolean",
                  "description": "Indicates whether the debit should be submitted for business or private customers.<br/><br/> The mixing of true / false is not allowed in the same request.<br/><br/> It is recommended to assign this field together with `sequenceType` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time."
                },
                "sequenceType": {
                  "title": "DebitSequenceType",
                  "description": "Sequence type of the debit.<br/><br/> It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.<br/><br/> Sequence types: <li>`FRST` - first debit</li> <li>`RCUR` - recurrent debit</li> <li>`FNAL` - final debit</li> <li>`OOFF` - one-off debit</li>",
                  "enum": [
                    "FRST",
                    "RCUR",
                    "FNAL",
                    "OOFF"
                  ],
                  "type": "string"
                }
              },
              "description": "DebitDetails are used in InitiateSingleDebit and InitiateBulkDebit"
            }
          ]
        }
      }
    }
  ]
}

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
product-id	path	string	true	ID of a banking product
body	body	SingleDebitDataBankAccess	true	The request body object carries the data for a payment. It is expected when creating a payment.

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/single-debit/07788639-abd7-4009-9c9d-2d79079f3f26"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/consent/07788639-abd7-4009-9c9d-2d79079f3f26"
    }
  ],
  "debit": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "5208b5cb-2f88-4bba-87a5-c5e0356c460c",
    "business": false,
    "sequenceType": "OOFF",
    "creditorSchemeIdentification": "GlauebigerId",
    "requestedCollectionDate": "2022-02-22",
    "debitDetails": {
      "amount": 1337.42,
      "currency": "EUR",
      "purpose": "Verwendungszweck",
      "endToEndId": "123",
      "debtorName": "Max Mustermann",
      "debtorIban": "DE62430609671149278400",
      "debtorAccountNumber": "1149278400",
      "debtorBankCode": "43060967",
      "debtorBic": "GENODEM1GLS",
      "mandateIdentification": "MandatsId",
      "mandateDateOfSignature": "2022-02-02"
    }
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns object with the debit status	SingleDebitResult	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it
404	Not Found	Bank Access Credentials could not be found	None	none
451	Unavailable For Legal Reasons	This response is for REG/Protect tenants. It contains a link to the REG/Protect application in the HTTP header Location	None	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) get_webform: Contains link to the REG/Protect web application

Response Headers

Status	Header	Type	Format	Description
451	Location	string		Link to the REG/Protect application. Append a callbackUrl query-parameter to the URL

Initiate a bulk debit

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/bankzugaenge/{access-id}/{product-id}/payment/bulk-debit \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/bankzugaenge/{access-id}/{product-id}/payment/bulk-debit

Initiates a payment for the given bank access, without providing access credentials

Body parameter

{
  "allOf": [
    {
      "required": [
        "creditorSchemeIdentification",
        "requestedCollectionDate"
      ],
      "type": "object",
      "properties": {
        "business": {
          "type": "boolean",
          "description": "Indicates whether the debit should be submitted for business or private customers.<br/><br/> It is recommended to assign this field together with `sequenceType` on the top layer (here) and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time."
        },
        "sequenceType": {
          "title": "DebitSequenceType",
          "description": "Sequence type of the debit.<br/><br/> It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.<br/><br/> Sequence types: <li>`FRST` - first debit</li> <li>`RCUR` - recurrent debit</li> <li>`FNAL` - final debit</li> <li>`OOFF` - one-off debit</li>",
          "enum": [
            "FRST",
            "RCUR",
            "FNAL",
            "OOFF"
          ],
          "type": "string"
        },
        "creditorSchemeIdentification": {
          "type": "string",
          "description": "The scheme identification of the creditor."
        },
        "requestedCollectionDate": {
          "type": "string",
          "format": "YYYY-MM-DD",
          "description": "The requested collection date of the debit."
        }
      }
    },
    {
      "description": "Request data to start a bulk debit",
      "required": [
        "debitDetails"
      ],
      "title": "BulkDebitDataBankAccess",
      "type": "object",
      "properties": {
        "debitDetails": {
          "type": "array",
          "items": {
            "allOf": [
              {
                "title": "DebitDetails",
                "required": [
                  "amount",
                  "currency",
                  "purpose",
                  "endToEndId",
                  "debtorName",
                  "debtorIban",
                  "mandateIdentification",
                  "mandateDateOfSignature"
                ],
                "type": "object",
                "properties": {
                  "amount": {
                    "type": "number",
                    "format": "double",
                    "description": "Debit amount"
                  },
                  "currency": {
                    "type": "string",
                    "description": "Currency of the debit"
                  },
                  "purpose": {
                    "type": "string",
                    "description": "Purpose of the debit."
                  },
                  "endToEndId": {
                    "type": "string",
                    "description": "End to End Identification of the debit."
                  },
                  "debtorName": {
                    "type": "string",
                    "description": "Name of the debtor."
                  },
                  "debtorIban": {
                    "type": "string",
                    "description": "IBAN of the debtor."
                  },
                  "debtorAccountNumber": {
                    "type": "string",
                    "description": "Account number of the debtor."
                  },
                  "debtorBankCode": {
                    "type": "string",
                    "description": "Bank code of the debtor."
                  },
                  "debtorBic": {
                    "type": "string",
                    "description": "BIC of the debtor."
                  },
                  "mandateIdentification": {
                    "type": "string",
                    "description": "Identification of the mandate."
                  },
                  "mandateDateOfSignature": {
                    "type": "string",
                    "format": "YYYY-MM-DD",
                    "description": "The signature date of the mandate."
                  },
                  "business": {
                    "type": "boolean",
                    "description": "Indicates whether the debit should be submitted for business or private customers.<br/><br/> The mixing of true / false is not allowed in the same request.<br/><br/> It is recommended to assign this field together with `sequenceType` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time."
                  },
                  "sequenceType": {
                    "title": "DebitSequenceType",
                    "description": "Sequence type of the debit.<br/><br/> It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.<br/><br/> Sequence types: <li>`FRST` - first debit</li> <li>`RCUR` - recurrent debit</li> <li>`FNAL` - final debit</li> <li>`OOFF` - one-off debit</li>",
                    "enum": [
                      "FRST",
                      "RCUR",
                      "FNAL",
                      "OOFF"
                    ],
                    "type": "string"
                  }
                },
                "description": "DebitDetails are used in InitiateSingleDebit and InitiateBulkDebit"
              }
            ]
          }
        }
      }
    }
  ]
}

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
product-id	path	string	true	ID of a banking product
body	body	BulkDebitDataBankAccess	true	The request body object carries the data for a payment. It is expected when creating a payment.

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/bulk-debit/0b1937c7-82eb-49d4-99cb-6fdca765c450"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/consent/0b1937c7-82eb-49d4-99cb-6fdca765c450"
    }
  ],
  "debit": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "5208b5cb-2f88-4bba-87a5-c5e0356c460c",
    "business": false,
    "sequenceType": "OOFF",
    "creditorSchemeIdentification": "GlauebigerId",
    "requestedCollectionDate": "2022-02-22",
    "debitDetails": [
      {
        "amount": 1337.42,
        "currency": "EUR",
        "purpose": "Verwendungszweck",
        "endToEndId": "123",
        "debtorName": "Max Mustermann",
        "debtorIban": "DE62430609671149278400",
        "debtorAccountNumber": "1149278400",
        "debtorBankCode": "43060967",
        "debtorBic": "GENODEM1GLS",
        "mandateIdentification": "MandatsId",
        "mandateDateOfSignature": "2022-02-02"
      },
      {
        "amount": 42,
        "currency": "EUR",
        "purpose": "Verwendungszweck 2",
        "endToEndId": "124",
        "debtorName": "Maxi Mustermann",
        "debtorIban": "DE00123456789012345678",
        "debtorAccountNumber": "9012345678",
        "debtorBankCode": "12345678",
        "debtorBic": "SSKMDEMMXXX",
        "mandateIdentification": "MandatsId",
        "mandateDateOfSignature": "2022-02-02"
      }
    ]
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns object with the debit status	BulkDebitResult	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it
404	Not Found	Bank Access Credentials could not be found	None	none
451	Unavailable For Legal Reasons	This response is for REG/Protect tenants. It contains a link to the REG/Protect application in the HTTP header Location	None	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) get_webform: Contains link to the REG/Protect web application

Response Headers

Status	Header	Type	Format	Description
451	Location	string		Link to the REG/Protect application. Append a callbackUrl query-parameter to the URL

Customer Ueberweisung

Legacy endpoints, that will be replaced by the endpoints in 'Customer Payment'

Create Transfer

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/ueberweisung/{provider-id}/{product-id}?callbackUrl=https%3A%2F%2Fdemo-tenant.com%2Fcallback%3Fstate%3D123 \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Customer-IP-Address: 154.25.45.133' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/ueberweisung/{provider-id}/{product-id}

Creates a payment (i.e. initializes a SEPA transfer).

Body parameter

{
  "allOf": [
    {
      "allOf": [
        {
          "title": "UeberweisungDetails",
          "required": [
            "empfaenger",
            "verwendungszweck",
            "iban",
            "betrag",
            "waehrung"
          ],
          "type": "object",
          "properties": {
            "empfaenger": {
              "type": "string",
              "description": "Receiver of the transfer"
            },
            "verwendungszweck": {
              "type": "string",
              "description": "Purpose of the transfer."
            },
            "iban": {
              "type": "string",
              "description": "IBAN of the recipient account"
            },
            "bic": {
              "type": "string",
              "description": "BIC of the recipient account"
            },
            "waehrung": {
              "type": "string",
              "description": "Currency of the transfer (Alphabetic Code ISO 4217)"
            },
            "betrag": {
              "type": "number",
              "description": "Transfer amount"
            }
          },
          "description": "UeberweisungDetails are used in CreateTransfer and CreateBulkTransfer"
        }
      ]
    },
    {
      "title": "CreateTransfer",
      "required": [
        "empfaenger",
        "verwendungszweck",
        "iban",
        "betrag",
        "bic",
        "waehrung"
      ],
      "type": "object",
      "properties": {
        "credentials": {
          "title": "Credentials",
          "description": "The Credentials object is a map of encrypted and Base64-encoded access data, corresponding\nto the provider's authentication fields. The Base64 encoding must not use line wrapping.\n\nThe encryption method used is described in the chapter Encryption.\n\nThe Credentials object is not required for REG/Protect tenants only.",
          "required": [
            "userid",
            "pin"
          ],
          "type": "object",
          "properties": {
            "userid": {
              "type": "string",
              "example": "cust0815",
              "description": "Encrypted and Base64-encoded username of the user at the bank, e.g. used in his online banking.<br/>EBICS: The User-ID (Teilnehmer-ID) as provided by the bank must be transmitted."
            },
            "pin": {
              "type": "string",
              "example": "verySecret",
              "description": "Encrypted and Base64-encoded pin / password of the user at the bank, e.g. used in his online banking.<br/>EBICS: A pin must not be transmitted."
            },
            "partnerid": {
              "type": "string",
              "example": "PID0001",
              "description": "Encrypted and Base64-encoded partner id (Kunden-ID) only required for EBICS."
            },
            "corporateid": {
              "type": "string",
              "example": 123456,
              "description": "Encrypted and Base64-encoded corporate id required by some banks for business accounts."
            }
          },
          "example": {
            "userid": "mOd2uKYr+2 ... TWOPCAt5zP",
            "pin": "Hhnc+aW/eM ... 7F+XRSHasW"
          }
        },
        "sicherheitsverfahrenKodierung": {
          "type": "integer",
          "description": "Coding of the security procedure to use , see Bank product",
          "format": "int32"
        },
        "ausfuehrungsdatum": {
          "title": "DateTime",
          "description": "This object represents a timestamp. Format: `YYYY-MM-DD hh:mm:ss`. Data will be interpreted according to the time zone Europe/Berlin.",
          "type": "string",
          "example": "2019-12-04 13:37:00"
        },
        "tanMediumName": {
          "type": "string",
          "description": "The TAN medium to be used"
        }
      },
      "description": "Request data to start a transfer",
      "example": {
        "credentials": {
          "userid": "mXlkGe+ukA ... MOfGsd8HY=",
          "pin": "XO2jg ... 5GfhKpZmw="
        },
        "empfaenger": "netzpolitik.org e. V.",
        "verwendungszweck": "Spende netzpolitik.de",
        "iban": "DE62430609671149278400",
        "bic": "GENODEM1GLS",
        "waehrung": "EUR",
        "betrag": 1337.42,
        "ausfuehrungsdatum": "2016-12-24",
        "sicherheitsverfahrenKodierung": "1",
        "tanMediumName": "Mobil"
      }
    }
  ]
}

Parameters

Name	In	Type	Required	Description
provider-id	path	string(uuid)	true	ID of a provider
product-id	path	string	true	ID of a banking product
Customer-IP-Address	header	string	true	The IP address of the customer. Must be a public IP address (IPv4, IPv6)
callbackUrl	query	string(url)	true	A callback URL.
editableDetails	query	boolean	false	Flag for REG/Protect to control whether fields on the frontend are editable
body	body	CreateTransfer	false	The request body object carries the data for a payment. It is expected when creating a payment. It is not required for REG/Protect tenants when requesting with `editableDetails=true`.

Example responses

200 Response

{
  "ueberweisung": {
    "empfaenger": "netzpolitik.org e. V.",
    "verwendungszweck": "Spende netzpolitik.de",
    "iban": "DE62430609671149278400",
    "bic": "GENODEM1GLS",
    "waehrung": "EUR",
    "betrag": 1337.42
  },
  "ausfuehrungsdatum": "2016-12-24",
  "tanMediumName": "Mobil",
  "tanMedien": [
    {
      "gueltigVon": "2016-06-03 17:17:41",
      "gueltigBis": "2016-06-03 17:17:41",
      "name": "Mobil",
      "medienklasse": "MOBIL"
    }
  ],
  "sicherheitsverfahren": [
    {
      "kodierung": 2,
      "name": "mTAN",
      "hinweis": "mTAN"
    },
    {
      "kodierung": 1,
      "name": "Mock-TAN",
      "hinweis": "Mock-TAN"
    }
  ],
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA benötigt",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "relations": [
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/ueberweisung/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7/consent"
    }
  ]
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns object with the transfer status	ScaInteraction	set_method: Set SCA method

Create Bulk Transfer

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/ueberweisung/bulk/{provider-id}/{product-id}?callbackUrl=https%3A%2F%2Fdemo-tenant.com%2Fcallback%3Fstate%3D123 \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Customer-IP-Address: 154.25.45.133' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/ueberweisung/bulk/{provider-id}/{product-id}

Creates a bulk payment (i.e. initializes a SEPA transfer).

Body parameter

{
  "payments": [
    {
      "empfaenger": "UNICEF",
      "verwendungszweck": "Spende UNICEF",
      "iban": "DE57370205000000300000",
      "bic": "BFSWDE33XXX",
      "waehrung": "EUR",
      "betrag": 150
    },
    {
      "empfaenger": "netzpolitik.org e. V.",
      "verwendungszweck": "Spende netzpolitik.de",
      "iban": "DE62430609671149278400",
      "bic": "GENODEM1GLS",
      "waehrung": "EUR",
      "betrag": 75
    }
  ],
  "ausfuehrungsdatum": "2016-12-24",
  "sicherheitsverfahrenKodierung": "1",
  "tanMediumName": "Mobil",
  "tanMedien": [
    {
      "gueltigVon": "2016-06-03 17:17:41",
      "gueltigBis": "2016-06-03 17:17:41",
      "name": "Mobil",
      "medienklasse": "MOBIL"
    }
  ],
  "sicherheitsverfahren": [
    {
      "kodierung": 2,
      "name": "mTAN",
      "hinweis": "mTAN"
    },
    {
      "kodierung": 1,
      "name": "Mock-TAN",
      "hinweis": "Mock-TAN"
    }
  ],
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA benötigt",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "relations": [
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/ueberweisung/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7/consent"
    }
  ]
}

Parameters

Name	In	Type	Required	Description
provider-id	path	string(uuid)	true	ID of a provider
product-id	path	string	true	ID of a banking product
Customer-IP-Address	header	string	true	The IP address of the customer. Must be a public IP address (IPv4, IPv6)
callbackUrl	query	string(url)	true	A callback URL.
body	body	CreateBulkTransferLegacy	true	The request body object carries the data for a payment. It is expected when creating a payment.

Example responses

200 Response

{
  "payments": [
    {
      "empfaenger": "UNICEF",
      "verwendungszweck": "Spende UNICEF",
      "iban": "DE57370205000000300000",
      "bic": "BFSWDE33XXX",
      "waehrung": "EUR",
      "betrag": 150
    },
    {
      "empfaenger": "netzpolitik.org e. V.",
      "verwendungszweck": "Spende netzpolitik.de",
      "iban": "DE62430609671149278400",
      "bic": "GENODEM1GLS",
      "waehrung": "EUR",
      "betrag": 75
    }
  ],
  "ausfuehrungsdatum": "2016-12-24",
  "tanMediumName": "Mobil",
  "tanMedien": [
    {
      "gueltigVon": "2016-06-03 17:17:41",
      "gueltigBis": "2016-06-03 17:17:41",
      "name": "Mobil",
      "medienklasse": "MOBIL"
    }
  ],
  "sicherheitsverfahren": [
    {
      "kodierung": 2,
      "name": "mTAN",
      "hinweis": "mTAN"
    },
    {
      "kodierung": 1,
      "name": "Mock-TAN",
      "hinweis": "Mock-TAN"
    }
  ],
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA benötigt",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "relations": [
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/ueberweisung/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7/consent"
    }
  ]
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns object with the transfer status	ScaInteraction	set_method: Set SCA method

Submit TAN

Code samples

## You can also use wget
curl -X PUT https://banksapi.io/customer/v2/ueberweisung/{provider-id}/{product-id}/{payment-id} \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

PUT /customer/v2/ueberweisung/{provider-id}/{product-id}/{payment-id}

Submits a TAN for a previously created payment.

Body parameter

{
  "tan": "4103582"
}

Parameters

Name	In	Type	Required	Description
provider-id	path	string(uuid)	true	ID of a provider
product-id	path	string	true	ID of a banking product
payment-id	path	string(uuid)	true	ID of the payment
body	body	CreateTextTan	true	Object required to submit a TAN.

Example responses

200 Response

{
  "hinweis": "Bitte geben Sie die SMS-TAN ein",
  "timeout": "2016-12-24 20:00:00",
  "relations": [
    {
      "rel": "submit_text_tan",
      "href": "https://banksapi.io/customer/v2/ueberweisung/DE1235233452324553423442/9b90127c-9b85-11e6-82d8-480fcfb9550f"
    }
  ]
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns the transfer status. If the TAN was wrong, the hint has changed accordingly and there is still a timeout and the relation `submit_text_tan`. If the TAN was correct then Timeout and the Relations disappear.	Interaction	submit_text_tan: Submit TAN

Submit TAN (Bulk)

Code samples

## You can also use wget
curl -X PUT https://banksapi.io/customer/v2/ueberweisung/bulk/{provider-id}/{product-id}/{payment-id} \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

PUT /customer/v2/ueberweisung/bulk/{provider-id}/{product-id}/{payment-id}

Submits a TAN for a previously created bulk payment. Confer Submit TAN for details.

Parameters

Name	In	Type	Required	Description
provider-id	path	string(uuid)	true	ID of a provider
product-id	path	string	true	ID of a banking product
payment-id	path	string(uuid)	true	ID of the payment

Example responses

200 Response

{
  "messages": [
    {
      "code": "BA1110",
      "level": "INFO",
      "message": "TAN-Eingabe nötig",
      "details": "Bitte geben Sie die TAN ein"
    }
  ],
  "timeout": "2017-08-31 16:08:55",
  "relations": [
    {
      "rel": "submit_text_tan",
      "href": "https://banksapi.io/customer/v2/ueberweisung/00000000-0000-0000-0000-000000000000/DE00123456789012345679/c612b2f3-f797-4f66-bec4-2064812c8736"
    }
  ],
  "challenge": {
    "name": "chipTAN optisch",
    "content": {
      "HHD": "11048714955205123456789F14302C303107",
      "HHDUC": "1234567891234567891234567890,01"
    },
    "decoupled": false,
    "redirect": false
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns the transfer status. If the TAN was wrong, the hint has changed accordingly and there is still a timeout and the relation `submit_text_tan`. If the TAN was correct then Timeout and the Relations disappear.	Interaction	none

Customer Payment

Initiate Single Transfer

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/payment/single-transfer?callbackUrl=https%3A%2F%2Fdemo-tenant.com%2Fcallback%3Fstate%3D123 \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Customer-IP-Address: 154.25.45.133' \
  -H 'Rejection-NoFunds-Preferred: true' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/payment/single-transfer

Initiates a single transfer (e.g. a SEPA transfer).

Body parameter

{
  "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
  "credentials": {
    "userid": "mXlkGe+ukAEs+2iH ... D/MOfGsd8HY=",
    "pin": "XO2jgZ ... 5GfhKpZmw="
  },
  "product": "DE89370400440532013000",
  "instant": false,
  "requestedExecutionDate": "2024-09-19",
  "transferDetails": {
    "recipient": "netzpolitik.org e. V.",
    "purpose": "Spende netzpolitik.de",
    "iban": "DE62430609671149278400",
    "bic": "GENODEM1GLS",
    "currency": "EUR",
    "amount": 1337.42,
    "endToEndId": "be7649876d5f439886fa816993ac9f9f"
  }
}

Parameters

Name	In	Type	Required	Description
Customer-IP-Address	header	string	true	The IP address of the customer. Must be a public IP address (IPv4, IPv6)
Rejection-NoFunds-Preferred	header	boolean	false	If set to "true", the bank should reject the payment if there are insufficient funds. If set to "false", the bank may wait for a certain period for funds to arrive. This parameter may be ignored by the bank.
callbackUrl	query	string(url)	true	A callback URL.
queryTanSettings	query	boolean	false	Flag to ignore saved TAN-settings and query them.
editableDetails	query	boolean	false	Flag for REG/Protect to control whether fields on the frontend are editable
body	body	SingleTransferData	true	The request body object carries the data for a payment. It is expected when creating a payment. It is not required for REG/Protect tenants when requesting with `editableDetails=true`.

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/single-transfer/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/consent/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7"
    }
  ],
  "transfer": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "5208b5cb-2f88-4bba-87a5-c5e0356c460c",
    "ebics": false,
    "instant": false,
    "requestedExecutionDate": "2024-09-19",
    "transferDetails": {
      "recipient": "netzpolitik.org e. V.",
      "purpose": "Spende netzpolitik.de",
      "iban": "DE62430609671149278400",
      "bic": "GENODEM1GLS",
      "currency": "EUR",
      "amount": 1337.42,
      "endToEndId": "be7649876d5f439886fa816993ac9f9f"
    }
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns object with the transfer status	SingleTransferResult	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it
451	Unavailable For Legal Reasons	This response is for REG/Protect tenants. It contains a link to the REG/Protect application in the HTTP header Location	None	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) get_webform: Contains link to the REG/Protect web application

Response Headers

Status	Header	Type	Format	Description
451	Location	string		Link to the REG/Protect application. Append a callbackUrl query-parameter to the URL

Get Single Transfer

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/payment/single-transfer/{payment-id} \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/payment/single-transfer/{payment-id}

Get the current status of the single transfer.

Parameters

Name	In	Type	Required	Description
payment-id	path	string(uuid)	true	ID of the payment

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/single-transfer/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/payment/single-transfer/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7/consent"
    }
  ],
  "transfer": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "5208b5cb-2f88-4bba-87a5-c5e0356c460c",
    "ebics": false,
    "instant": false,
    "requestedExecutionDate": "2024-09-19",
    "transferDetails": {
      "recipient": "netzpolitik.org e. V.",
      "purpose": "Spende netzpolitik.de",
      "iban": "DE62430609671149278400",
      "bic": "GENODEM1GLS",
      "currency": "EUR",
      "amount": 1337.42,
      "endToEndId": "be7649876d5f439886fa816993ac9f9f"
    }
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns the current status of the single transfer.	SingleTransferResult	none

Initiate Bulk Transfer

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/payment/bulk-transfer?callbackUrl=https%3A%2F%2Fdemo-tenant.com%2Fcallback%3Fstate%3D123 \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Customer-IP-Address: 154.25.45.133' \
  -H 'Rejection-NoFunds-Preferred: true' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/payment/bulk-transfer

Initiates a bulk transfer (e.g. a SEPA bulk transfer).

Body parameter

{
  "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
  "credentials": {
    "userid": "mXlkGe+ukAEs+2iH... D/MOfGsd8HY=",
    "pin": "XO2jgZ... 5GfhKpZmw="
  },
  "product": "DE89370400440532013000",
  "instant": false,
  "requestedExecutionDate": "2024-09-19",
  "transferDetails": [
    {
      "recipient": "UNICEF",
      "purpose": "Spende UNICEF",
      "iban": "DE57370205000000300000",
      "bic": "BFSWDE33XXX",
      "currency": "EUR",
      "amount": 150,
      "endToEndId": "be7649876d5f439886fa816993ac9f9f"
    },
    {
      "recipient": "netzpolitik.org e. V.",
      "purpose": "Spende netzpolitik.de",
      "iban": "DE62430609671149278400",
      "bic": "GENODEM1GLS",
      "currency": "EUR",
      "amount": 75,
      "endToEndId": "be7649876d5f439886fa816993ac9f9f"
    }
  ]
}

Parameters

Name	In	Type	Required	Description
Customer-IP-Address	header	string	true	The IP address of the customer. Must be a public IP address (IPv4, IPv6)
Rejection-NoFunds-Preferred	header	boolean	false	If set to "true", the bank should reject the payment if there are insufficient funds. If set to "false", the bank may wait for a certain period for funds to arrive. This parameter may be ignored by the bank.
callbackUrl	query	string(url)	true	A callback URL.
queryTanSettings	query	boolean	false	Flag to ignore saved TAN-settings and query them.
body	body	BulkTransferData	true	The request body object carries the data for a payment. It is expected when creating a payment.

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/bulk-transfer/fdc61bcd-d0ee-4999-9c77-eff3ba8db0ce"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/consent/fdc61bcd-d0ee-4999-9c77-eff3ba8db0ce"
    }
  ],
  "transfer": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "5208b5cb-2f88-4bba-87a5-c5e0356c460c",
    "ebics": false,
    "instant": false,
    "requestedExecutionDate": "2024-09-19",
    "transferDetails": [
      {
        "recipient": "UNICEF",
        "purpose": "Spende UNICEF",
        "iban": "DE57370205000000300000",
        "bic": "BFSWDE33XXX",
        "currency": "EUR",
        "amount": 150,
        "endToEndId": "be7649876d5f439886fa816993ac9f9f"
      },
      {
        "recipient": "netzpolitik.org e. V.",
        "purpose": "Spende netzpolitik.de",
        "iban": "DE62430609671149278400",
        "bic": "GENODEM1GLS",
        "currency": "EUR",
        "amount": 75,
        "endToEndId": "be7649876d5f439886fa816993ac9f9f"
      }
    ]
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns object with the transfer status	BulkTransferResult	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it
451	Unavailable For Legal Reasons	This response is for REG/Protect tenants. It contains a link to the REG/Protect application in the HTTP header Location	None	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) get_webform: Contains link to the REG/Protect web application

Response Headers

Status	Header	Type	Format	Description
451	Location	string		Link to the REG/Protect application. Append a callbackUrl query-parameter to the URL

Get Bulk Transfer

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/payment/bulk-transfer/{payment-id} \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/payment/bulk-transfer/{payment-id}

Get the current status of the bulk transfer.

Parameters

Name	In	Type	Required	Description
payment-id	path	string(uuid)	true	ID of the payment

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/bulk-transfer/fdc61bcd-d0ee-4999-9c77-eff3ba8db0ce"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/payment/bulk-transfer/fdc61bcd-d0ee-4999-9c77-eff3ba8db0ce/consent"
    }
  ],
  "transfer": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "5208b5cb-2f88-4bba-87a5-c5e0356c460c",
    "ebics": false,
    "instant": false,
    "requestedExecutionDate": "2024-09-19",
    "transferDetails": [
      {
        "recipient": "UNICEF",
        "purpose": "Spende UNICEF",
        "iban": "DE57370205000000300000",
        "bic": "BFSWDE33XXX",
        "currency": "EUR",
        "amount": 150,
        "endToEndId": "be7649876d5f439886fa816993ac9f9f"
      },
      {
        "recipient": "netzpolitik.org e. V.",
        "purpose": "Spende netzpolitik.de",
        "iban": "DE62430609671149278400",
        "bic": "GENODEM1GLS",
        "currency": "EUR",
        "amount": 75,
        "endToEndId": "be7649876d5f439886fa816993ac9f9f"
      }
    ]
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns the current status of the bulk transfer.	BulkTransferResult	none

Initiate Single Debit

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/payment/single-debit \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/payment/single-debit

Initiates a single debit (e.g. a SEPA debit).

Body parameter

{
  "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
  "credentials": {
    "userid": "mXlkGe+ukAEs+2iH ... D/MOfGsd8HY=",
    "pin": "XO2jgZ ... 5GfhKpZmw="
  },
  "product": "DE89370400440532013000",
  "business": false,
  "sequenceType": "OOFF",
  "creditorSchemeIdentification": "GlauebigerId",
  "requestedCollectionDate": "2022-02-22",
  "debitDetails": {
    "amount": 1337.42,
    "currency": "EUR",
    "purpose": "Verwendungszweck",
    "endToEndId": "123",
    "debtorName": "Max Mustermann",
    "debtorIban": "DE62430609671149278400",
    "debtorAccountNumber": "1149278400",
    "debtorBankCode": "43060967",
    "debtorBic": "GENODEM1GLS",
    "mandateIdentification": "MandatsId",
    "mandateDateOfSignature": "2022-02-02"
  }
}

Parameters

Name	In	Type	Required	Description
queryTanSettings	query	boolean	false	Flag to ignore saved TAN-settings and query them.
body	body	SingleDebitData	true	The request body object carries the data for a payment. It is expected when creating a payment.

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/single-debit/07788639-abd7-4009-9c9d-2d79079f3f26"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/consent/07788639-abd7-4009-9c9d-2d79079f3f26"
    }
  ],
  "debit": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "5208b5cb-2f88-4bba-87a5-c5e0356c460c",
    "business": false,
    "sequenceType": "OOFF",
    "creditorSchemeIdentification": "GlauebigerId",
    "requestedCollectionDate": "2022-02-22",
    "debitDetails": {
      "amount": 1337.42,
      "currency": "EUR",
      "purpose": "Verwendungszweck",
      "endToEndId": "123",
      "debtorName": "Max Mustermann",
      "debtorIban": "DE62430609671149278400",
      "debtorAccountNumber": "1149278400",
      "debtorBankCode": "43060967",
      "debtorBic": "GENODEM1GLS",
      "mandateIdentification": "MandatsId",
      "mandateDateOfSignature": "2022-02-02"
    }
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns object with the debit status	SingleDebitResult	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it
451	Unavailable For Legal Reasons	This response is for REG/Protect tenants. It contains a link to the REG/Protect application in the HTTP header Location	None	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) get_webform: Contains link to the REG/Protect web application

Response Headers

Status	Header	Type	Format	Description
451	Location	string		Link to the REG/Protect application. Append a callbackUrl query-parameter to the URL

Get Single Debit

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/payment/single-debit/{payment-id} \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/payment/single-debit/{payment-id}

Get the current status of the single debit.

Parameters

Name	In	Type	Required	Description
payment-id	path	string(uuid)	true	ID of the payment

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/single-debit/07788639-abd7-4009-9c9d-2d79079f3f26"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/consent/07788639-abd7-4009-9c9d-2d79079f3f26"
    }
  ],
  "debit": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "5208b5cb-2f88-4bba-87a5-c5e0356c460c",
    "business": false,
    "sequenceType": "OOFF",
    "creditorSchemeIdentification": "GlauebigerId",
    "requestedCollectionDate": "2022-02-22",
    "debitDetails": {
      "amount": 1337.42,
      "currency": "EUR",
      "purpose": "Verwendungszweck",
      "endToEndId": "123",
      "debtorName": "Max Mustermann",
      "debtorIban": "DE62430609671149278400",
      "debtorAccountNumber": "1149278400",
      "debtorBankCode": "43060967",
      "debtorBic": "GENODEM1GLS",
      "mandateIdentification": "MandatsId",
      "mandateDateOfSignature": "2022-02-02"
    }
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns object with the debit status	SingleDebitResult	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it

Initiate Bulk Debit

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/payment/bulk-debit \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/payment/bulk-debit

Initiates a bulk debit (e.g. a SEPA debit).

Body parameter

{
  "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
  "credentials": {
    "userid": "mXlkGe+ukAEs+2iH ... D/MOfGsd8HY=",
    "pin": "XO2jgZ ... 5GfhKpZmw="
  },
  "product": "DE89370400440532013000",
  "business": false,
  "sequenceType": "OOFF",
  "creditorSchemeIdentification": "GlauebigerId",
  "requestedCollectionDate": "2022-02-22",
  "debitDetails": [
    {
      "amount": 1337.42,
      "currency": "EUR",
      "purpose": "Verwendungszweck",
      "endToEndId": "123",
      "debtorName": "Max Mustermann",
      "debtorIban": "DE62430609671149278400",
      "debtorAccountNumber": "1149278400",
      "debtorBankCode": "43060967",
      "debtorBic": "GENODEM1GLS",
      "mandateIdentification": "MandatsId",
      "mandateDateOfSignature": "2022-02-02"
    },
    {
      "amount": 42,
      "currency": "EUR",
      "purpose": "Verwendungszweck 2",
      "endToEndId": "124",
      "debtorName": "Maxi Mustermann",
      "debtorIban": "DE00123456789012345678",
      "debtorAccountNumber": "9012345678",
      "debtorBankCode": "12345678",
      "debtorBic": "SSKMDEMMXXX",
      "mandateIdentification": "MandatsId",
      "mandateDateOfSignature": "2022-02-02"
    }
  ]
}

Parameters

Name	In	Type	Required	Description
queryTanSettings	query	boolean	false	Flag to ignore saved TAN-settings and query them.
body	body	BulkDebitData	true	The request body object carries the data for a payment. It is expected when creating a payment.

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/bulk-debit/0b1937c7-82eb-49d4-99cb-6fdca765c450"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/consent/0b1937c7-82eb-49d4-99cb-6fdca765c450"
    }
  ],
  "debit": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "5208b5cb-2f88-4bba-87a5-c5e0356c460c",
    "business": false,
    "sequenceType": "OOFF",
    "creditorSchemeIdentification": "GlauebigerId",
    "requestedCollectionDate": "2022-02-22",
    "debitDetails": [
      {
        "amount": 1337.42,
        "currency": "EUR",
        "purpose": "Verwendungszweck",
        "endToEndId": "123",
        "debtorName": "Max Mustermann",
        "debtorIban": "DE62430609671149278400",
        "debtorAccountNumber": "1149278400",
        "debtorBankCode": "43060967",
        "debtorBic": "GENODEM1GLS",
        "mandateIdentification": "MandatsId",
        "mandateDateOfSignature": "2022-02-02"
      },
      {
        "amount": 42,
        "currency": "EUR",
        "purpose": "Verwendungszweck 2",
        "endToEndId": "124",
        "debtorName": "Maxi Mustermann",
        "debtorIban": "DE00123456789012345678",
        "debtorAccountNumber": "9012345678",
        "debtorBankCode": "12345678",
        "debtorBic": "SSKMDEMMXXX",
        "mandateIdentification": "MandatsId",
        "mandateDateOfSignature": "2022-02-02"
      }
    ]
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns object with the debit status	BulkDebitResult	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it
451	Unavailable For Legal Reasons	This response is for REG/Protect tenants. It contains a link to the REG/Protect application in the HTTP header Location	None	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) get_webform: Contains link to the REG/Protect web application

Response Headers

Status	Header	Type	Format	Description
451	Location	string		Link to the REG/Protect application. Append a callbackUrl query-parameter to the URL

Get Bulk Debit

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/payment/bulk-debit/{payment-id} \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/payment/bulk-debit/{payment-id}

Get the current status of the bulk debit.

Parameters

Name	In	Type	Required	Description
payment-id	path	string(uuid)	true	ID of the payment

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/bulk-debit/0b1937c7-82eb-49d4-99cb-6fdca765c450"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/consent/0b1937c7-82eb-49d4-99cb-6fdca765c450"
    }
  ],
  "debit": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "5208b5cb-2f88-4bba-87a5-c5e0356c460c",
    "business": false,
    "sequenceType": "OOFF",
    "creditorSchemeIdentification": "GlauebigerId",
    "requestedCollectionDate": "2022-02-22",
    "debitDetails": [
      {
        "amount": 1337.42,
        "currency": "EUR",
        "purpose": "Verwendungszweck",
        "endToEndId": "123",
        "debtorName": "Max Mustermann",
        "debtorIban": "DE62430609671149278400",
        "debtorAccountNumber": "1149278400",
        "debtorBankCode": "43060967",
        "debtorBic": "GENODEM1GLS",
        "mandateIdentification": "MandatsId",
        "mandateDateOfSignature": "2022-02-02"
      },
      {
        "amount": 42,
        "currency": "EUR",
        "purpose": "Verwendungszweck 2",
        "endToEndId": "124",
        "debtorName": "Maxi Mustermann",
        "debtorIban": "DE00123456789012345678",
        "debtorAccountNumber": "9012345678",
        "debtorBankCode": "12345678",
        "debtorBic": "SSKMDEMMXXX",
        "mandateIdentification": "MandatsId",
        "mandateDateOfSignature": "2022-02-02"
      }
    ]
  }
}

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns object with the debit status	BulkDebitResult	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/consent/{consent-id} \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/consent/{consent-id}

Get the current status of the consent, without polling the provider

Name	In	Type	Required	Description
consent-id	path	string(uuid)	true	ID of the consent

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3020",
      "message": "SCA Medium auswählen",
      "details": "Bitte wählen Sie ein SCA-Medium aus"
    }
  ],
  "scaMediums": [
    {
      "name": "Handy Eins",
      "mediaClass": "MOBILE"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/consent/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7"
    },
    {
      "rel": "set_medium",
      "href": "https://banksapi.io/customer/v2/consent/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7"
    }
  ]
}

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns the current status of the consent.	Consent	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it get_single_transfer: Returns the corresponding single transfer, if available get_bulk_transfer: Returns the corresponding bulk transfer, if available get_single_debit: Returns the corresponding single debit, if available get_bulk_debit: Returns the corresponding bulk debit, if available

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/consent/{consent-id} \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/consent/{consent-id}

Submits a SCA method, medium or authentication data for the current SCA.

Body parameter

{
  "chosenScaMethodId": "942"
}

Name	In	Type	Required	Description
consent-id	path	string(uuid)	true	ID of the consent
body	body	SubmitScaData	true	none

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3020",
      "message": "SCA Medium auswählen",
      "details": "Bitte wählen Sie ein SCA-Medium aus"
    }
  ],
  "scaMediums": [
    {
      "name": "Handy Eins",
      "mediaClass": "MOBILE"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/consent/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7"
    },
    {
      "rel": "set_medium",
      "href": "https://banksapi.io/customer/v2/consent/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7"
    }
  ]
}

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns the current status of the consent.	Consent	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it get_single_transfer: Returns the corresponding single transfer, if available get_bulk_transfer: Returns the corresponding bulk transfer, if available get_single_debit: Returns the corresponding single debit, if available get_bulk_debit: Returns the corresponding bulk debit, if available

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/consent/{consent-id}/poll \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/consent/{consent-id}/poll

Can be used for the decoupled SCA approach to check if the SCA has already been confirmed.

Name	In	Type	Required	Description
consent-id	path	string(uuid)	true	ID of the consent

Example responses

200 Response

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3030",
      "message": "SCA Challenge",
      "details": "Bitte autorisieren Sie den Vorgang"
    }
  ],
  "challenge": {
    "name": "Entkoppelte Authentifizierung",
    "content": {
      "instructions": "Bitte führen Sie die entkoppelte Authentifizierung durch."
    },
    "decoupled": true,
    "redirect": false
  },
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/consent/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7"
    },
    {
      "rel": "authenticate",
      "href": "https://banksapi.io/customer/v2/consent/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7"
    },
    {
      "rel": "authenticate_decoupled",
      "href": "https://banksapi.io/customer/v2/consent/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7/poll"
    }
  ]
}

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns the current status of the consent.	Consent	self: Returns the corresponding entity (e.g. bank access, single transfer, consent...) set_method: Sets `chosenScaMethodId`, available if current SCA requires it set_medium: Sets `chosenScaMedia`, available if current SCA requires it authenticate: Sends `scaAuthenticationData`, available if current SCA requires it authenticate_decoupled: Polls current authentication status, available if current SCA requires to be completed on a different device or app cancel: Cancels current SCA, available if current SCA allows it get_single_transfer: Returns the corresponding single transfer, if available get_bulk_transfer: Returns the corresponding bulk transfer, if available get_single_debit: Returns the corresponding single debit, if available get_bulk_debit: Returns the corresponding bulk debit, if available

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/consent/{consent-id}/cancel \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/consent/{consent-id}/cancel

Cancels an SCA redirect and stops the corresponding access synchronization. This request is permitted only for the redirect SCA approach.

Name	In	Type	Required	Description
consent-id	path	string(uuid)	true	ID of the consent

Example responses

200 Response

{
  "messages": [
    {
      "level": "ERROR",
      "code": "BA3040",
      "message": "SCA fehlgeschlagen",
      "details": "Redirect-SCA wurde abgebrochen"
    }
  ]
}

Status	Meaning	Description	Schema	Possible relations
200	OK	Returns the current status of the consent.	Consent	none

Customer REG/Protect

Delete all REG/Protect sessions

Code samples

## You can also use wget
curl -X DELETE https://banksapi.io/customer/v2/regprotect/sessions \
  -H 'Authorization: Bearer {access-token}'

DELETE /customer/v2/regprotect/sessions

Invalidates all REG/Protect sessions of the authenticated user.

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	The HTTP status 200 returns without any further response body.	None	none

Change bank product selection

Code samples

## You can also use wget
curl -X PUT https://banksapi.io/customer/v2/bankzugaenge/{access-id}/selectedbankproducts \
  -H 'Authorization: Bearer {access-token}'

PUT /customer/v2/bankzugaenge/{access-id}/selectedbankproducts

Change the selected products of the given bank access

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access

Responses

Status	Meaning	Description	Schema	Possible relations
451	Unavailable For Legal Reasons	This response is for REG/Protect tenants. It contains a link to the REG/Protect application in the HTTP header Location	None	none

Response Headers

Status	Header	Type	Format	Description
451	Location	string		Link to the REG/Protect application. Append a callbackUrl query-parameter to the URL

Encrypt

Encrypt plaintexts

Code samples

## You can also use wget
curl -X PUT https://banksapi.io/encrypt \
  -H 'Content-Type: application/octet-stream+base64' \
  -H 'Accept: application/octet-stream+base64' \
  -H 'Authorization: Bearer {access-token}'

PUT /encrypt

Encrypt a given plaintext for the tenant identified by the given bearer token.

Body parameter

type: string

Parameters

Name	In	Type	Required	Description
body	body	string	true	Plaintext to encrypt encoded in Base64

Example responses

200 Response

Responses

Status	Meaning	Description	Schema	Possible relations
200	OK	Ciphertext (encrypted plaintext) encoded in Base64	string	none

Customer Bank Access Builder

Push transactions for the given product

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/bankzugaenge/{access-id}/{product-id}/kontoumsaetze \
  -H 'Content-Type: application/json' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/bankzugaenge/{access-id}/{product-id}/kontoumsaetze

Pushes transactions for the given product identified by an access and a product ID

Body parameter

{
  "type": "array",
  "items": {
    "title": "Transaction Data",
    "required": [
      "betrag",
      "verwendungszweck",
      "buchungsdatum"
    ],
    "type": "object",
    "properties": {
      "betrag": {
        "type": "number",
        "description": "Amount with two decimal places.",
        "example": -64.55
      },
      "waehrung": {
        "type": "string",
        "description": "Currency of the transaction.",
        "example": "EUR"
      },
      "verwendungszweck": {
        "type": "string",
        "description": "The purpose of the transaction.",
        "example": "EC 68096654 140215204106OC3 Ref. 5CC15048A1824480/89280"
      },
      "buchungstext": {
        "type": "string",
        "description": "A text for the entry of the transaction"
      },
      "buchungsdatum": {
        "type": "string",
        "description": "The date of the entry of the transaction",
        "format": "YYYY-MM-DD hh:mm:ss",
        "example": "2016-05-23 13:37:00"
      },
      "wertstellungsdatum": {
        "type": "string",
        "description": "Date of booking",
        "format": "YYYY-MM-DD hh:mm:ss",
        "example": "2016-11-15 00:00:00"
      },
      "gegenkontoInhaber": {
        "type": "string",
        "description": "Owner of the counter account",
        "example": "La Sopia GmbH München"
      },
      "gegenkontoIban": {
        "type": "string",
        "description": "IBAN of the counter account",
        "example": "DE00123456789012345679"
      },
      "gegenkontoBic": {
        "type": "string",
        "description": "BIC of the counter account",
        "example": "XXX12345678"
      },
      "gegenkontoInhaberAbweichend": {
        "type": "string",
        "description": "Ultimate owner of the counter account",
        "example": "La Sopia GmbH München"
      },
      "primanotaNummer": {
        "type": "string",
        "description": "Primanota number of sales",
        "example": "421337"
      },
      "gvCode": {
        "type": "string",
        "description": "Provider specific code, that denotes transaction use cases",
        "example": "302"
      },
      "identifier": {
        "type": "object",
        "properties": {
          "endToEndId": {
            "type": "string"
          },
          "proprietaryCode": {
            "type": "string",
            "description": "Used for example for PayPal's proprietary transaction ID"
          },
          "entryReference": {
            "type": "string"
          },
          "ownerRef": {
            "type": "string"
          },
          "bookingRef": {
            "type": "string"
          },
          "balance": {
            "type": "number"
          },
          "mandateId": {
            "type": "string",
            "description": "Contains the SEPA mandate reference"
          },
          "batchId": {
            "type": "string"
          }
        }
      },
      "tags": {
        "type": "array",
        "items": {
          "properties": {
            "entity": {
              "properties": {
                "displayName": {
                  "description": "Display name of the entity",
                  "example": "TRANSACTION",
                  "type": "string"
                },
                "entityClass": {
                  "description": "Class of the entity, such as TRANSACTION or USER",
                  "example": "TRANSACTION",
                  "type": "string"
                },
                "id": {
                  "description": "Transaction UUID or USER UUID.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                },
                "userId": {
                  "description": "UUID of the USER. Same as id field for USER entities.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                }
              },
              "required": [
                "displayName",
                "entityClass",
                "id"
              ],
              "type": "object"
            },
            "id": {
              "description": "Unique Universal Identifier (UUID)",
              "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
              "type": "string"
            },
            "relations": {
              "description": "List of relations",
              "items": {
                "properties": {
                  "href": {
                    "description": "Link of the relation",
                    "example": "https://banksapi.io/.../tags/tag-trees/1/",
                    "type": "string"
                  },
                  "rel": {
                    "description": "Name of the relation",
                    "example": "tag_trees",
                    "type": "string"
                  }
                },
                "required": [
                  "href",
                  "rel"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "tagTreeItem": {
              "properties": {
                "description": {
                  "description": "Gives a description of the tagTreeItem",
                  "example": "Expenses from daily grocery purchases",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Groceries",
                  "type": "string"
                },
                "relations": {
                  "description": "List of relations",
                  "items": {
                    "properties": {
                      "href": {
                        "description": "Link of the relation",
                        "example": "https://banksapi.io/.../tags/tag-trees/1/",
                        "type": "string"
                      },
                      "rel": {
                        "description": "Name of the relation",
                        "example": "tag_trees",
                        "type": "string"
                      }
                    },
                    "required": [
                      "href",
                      "rel"
                    ],
                    "type": "object"
                  },
                  "type": "array"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree item",
                  "example": 17,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree item",
                  "example": "LIVING_GROCERIES",
                  "type": "string"
                },
                "systemNameParent": {
                  "description": "Unique name of the parent of the tagTreeItem",
                  "example": "LIVING",
                  "type": "string"
                },
                "tagTree": {
                  "allOf": [
                    {
                      "example": {
                        "description": "Two level categorization tree.",
                        "displayName": "Kategorien",
                        "isClientGenerated": false,
                        "relations": [
                          {
                            "href": "https://banksapi.io/tags/v1/tag-trees/1/",
                            "rel": "self"
                          },
                          {
                            "href": "https://banksapi.io/tags/v1/tag-trees/",
                            "rel": "tag_trees"
                          },
                          {
                            "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/",
                            "rel": "tag_tree_items"
                          }
                        ],
                        "systemId": 1,
                        "systemName": "CATEGORIES",
                        "version": 3.7
                      },
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tag tree",
                          "example": "Detailed inusrance categories.",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Kategorien",
                          "type": "string"
                        },
                        "isTenantGenerated": {
                          "description": "Boolean flag, set TRUE if the tag was manually set",
                          "example": true,
                          "type": "boolean"
                        },
                        "relations": {
                          "description": "List of relations",
                          "items": {
                            "properties": {
                              "href": {
                                "description": "Link of the relation",
                                "example": "https://banksapi.io/.../tags/tag-trees/1/",
                                "type": "string"
                              },
                              "rel": {
                                "description": "Name of the relation",
                                "example": "tag_trees",
                                "type": "string"
                              }
                            },
                            "required": [
                              "href",
                              "rel"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree",
                          "example": 1,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree",
                          "example": "CATEGORIES",
                          "type": "string"
                        },
                        "version": {
                          "description": "Version of the tag tree",
                          "example": 1.5,
                          "minimum": 0,
                          "type": "number"
                        }
                      },
                      "required": [
                        "systemName"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "tagTree that the tagTreeItem belongs to",
                  "type": "object"
                }
              },
              "required": [
                "systemName",
                "tagTree"
              ],
              "type": "object"
            }
          },
          "required": [
            "entity",
            "id",
            "tagTreeItem"
          ],
          "type": "object"
        }
      }
    },
    "example": {
      "betrag": -70,
      "verwendungszweck": "EC 68096654 140215204106OC3 Ref. 5CC15048A1824480/89280",
      "buchungsdatum": "2016-11-17 00:00:00",
      "wertstellungsdatum": "2016-11-15 00:00:00",
      "gegenkontoInhaber": "La Sopia GmbH München",
      "gegenkontoIban": "DE00123456789012345679",
      "gegenkontoBic": "XXX12345678",
      "primanotaNummer": "421337"
    }
  }
}

Parameters

Name	In	Type	Required	Description
access-id	path	string(uuid)	true	ID of the bank access
product-id	path	string	true	ID of a banking product
body	body	array[object]	true	List of transactions for this product

Responses

Status	Meaning	Description	Schema	Possible relations
201	Created	Created	None	none

Create Bank Access Builder

Code samples

## You can also use wget
curl -X PUT https://banksapi.io/customer/v2/bankzugaenge/builder \
  -H 'Content-Type: application/json' \
  -H 'Authorization: Bearer {access-token}'

PUT /customer/v2/bankzugaenge/builder

Creates a builder instance for a bank access.

Body parameter

{
  "id": "815251d6-c062-4f61-bec0-182bc14a48fb",
  "providerId": "00000000-0000-0000-0000-000000000000",
  "bankprodukte": [
    {
      "id": "DE89370400440532013000",
      "status": "VOLLSTAENDIG",
      "bezeichnung": "Tagesgeldkonto",
      "kategorie": "TAGESGELDKONTO",
      "saldo": 27365.56,
      "aktualisierungszeitpunkt": "2021-10-15 09:13:44",
      "saldoDatum": "2021-10-15 00:00:00",
      "waehrung": "EUR",
      "kontonummer": "9012345679",
      "iban": "DE89370400440532013000",
      "bic": "XXX12345678",
      "blz": "12345678",
      "kreditinstitut": "Demo Provider",
      "inhaber": "Fritz Testmüller"
    }
  ]
}

Parameters

Name	In	Type	Required	Description
body	body	CreateBankAccessBuilder	true	The body contains information about the bank access to create the builder for.

Responses

Status	Meaning	Description	Schema	Possible relations
201	Created	HTTP status 201 (Created) is returned together with the HTTP header Location. Under the URL specified in the header, the added bank accesses can be queried analogously by means of an HTTP GET call.	None	none

Response Headers

Status	Header	Type	Format	Description
201	Location	string		URL to get the created bank access using GET method

Schemas

AuthenticationInfo

{
  "loginHint": "Die User-ID setzt sich aus Ihrer 8-stelligen Hauptkontonummer und der 2-stelligen Unterkontonummer zusammen.",
  "fields": [
    {
      "fieldkey": "userid",
      "label": "KOMnet-Key",
      "secret": false,
      "hint": "Der DEMOnet-Key ist ist auf Ihrer DEMO-EC-Karte aufgedruckt",
      "format": "^.{1,50}$"
    },
    {
      "fieldkey": "pin",
      "label": "Demo-Passwort",
      "secret": true,
      "hint": "demo1, demo2 oder demo3",
      "format": "^.{1,50}$"
    }
  ]
}

AuthenticationInfo

Properties

Name	Type	Required	Restrictions	Description
loginHint	string	false	none	Note text for the registration process, which applies to the complete registration process
fields	[Field]	true	none	Array with login parameters

Backends

{
  "scraperName": "mock",
  "defaultProcess": "SCRAPER",
  "accountsAccess": "SCRAPER",
  "loginAccess": "SCRAPER",
  "saldoAccess": "SCRAPER",
  "turnoverAccess": "SCRAPER",
  "transactionAccess": "SCRAPER",
  "bausparListAccess": "SCRAPER",
  "bausparDetailAccess": "SCRAPER",
  "bausparTurnoverAccess": "SCRAPER",
  "creditcardsListAccess": "SCRAPER",
  "creditcardsDetailAccess": "SCRAPER",
  "creditcardsTurnoverAccess": "SCRAPER",
  "depotsListAccess": "SCRAPER",
  "depotsDetailAccess": "SCRAPER",
  "depotsSecuritiesAccess": "SCRAPER",
  "tanmethodAccess": "SCRAPER",
  "maxSyncsPerDayAndUser": 4
}

Backends

Properties

Name	Type	Required	Restrictions	Description
scraperName	string	true	none	none
defaultProcess	string	true	none	none
accountsAccess	string	true	none	none
loginAccess	string	true	none	none
saldoAccess	string	true	none	none
turnoverAccess	string	true	none	none
transactionAccess	string	true	none	none
bausparListAccess	string	true	none	none
bausparDetailAccess	string	true	none	none
bausparTurnoverAccess	string	true	none	none
creditcardsListAccess	string	true	none	none
creditcardsDetailAccess	string	true	none	none
creditcardsTurnoverAccess	string	true	none	none
depotsListAccess	string	true	none	none
depotsDetailAccess	string	true	none	none
depotsSecuritiesAccess	string	true	none	none
tanmethodAccess	string	true	none	none
maxSyncsPerDayAndUser	integer(int32)	true	none	none

Balance

{
  "title": "Balance",
  "type": "object",
  "properties": {
    "saldo": {
      "type": "number",
      "description": "Balance/value of bank product",
      "example": "200000.13"
    },
    "waehrung": {
      "type": "string",
      "description": "Currency in which the bank product is valued/managed (Alphabetic Code ISO 4217)",
      "example": "EUR"
    },
    "saldoDatum": {
      "type": "string",
      "format": "YYYY-MM-DD hh:mm:ss",
      "description": "Balance/value date as reported by the bank/service provider",
      "example": "2023-02-23 13:37:00"
    }
  }
}

Balance

Properties

Name	Type	Required	Restrictions	Description
saldo	number	false	none	Balance/value of bank product
waehrung	string	false	none	Currency in which the bank product is valued/managed (Alphabetic Code ISO 4217)
saldoDatum	string(YYYY-MM-DD hh:mm:ss)	false	none	Balance/value date as reported by the bank/service provider

BankAccess

{
  "status": "VOLLSTAENDIG",
  "aktivesSicherheitsverfahren": {
    "kodierung": 1,
    "name": "Mock-TAN",
    "hinweis": "Mock-TAN"
  },
  "aktualisierungszeitpunkt": "2016-06-10 17:17:40",
  "timeout": "2016-12-24 13:37:42",
  "bankprodukte": [],
  "sync": false,
  "tanMedien": [
    {
      "gueltigVon": "2016-06-03 17:17:41",
      "gueltigBis": "2016-06-03 17:17:41",
      "name": "Mobil",
      "medienklasse": "MOBIL"
    }
  ],
  "sicherheitsverfahren": [
    {
      "kodierung": 2,
      "name": "mTAN",
      "hinweis": "mTAN"
    },
    {
      "kodierung": 1,
      "name": "Mock-TAN",
      "hinweis": "Mock-TAN"
    }
  ],
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA benötigt",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "relations": [
    {
      "rel": "set_method",
      "href": "https://banksapi.io/v2/customer/bankzugaenge/4c45b12f-ae68-4933-86df-ff2578a7a203/consent/0dd14633-1853-4d22-92f9-776429850a6b"
    }
  ]
}

Properties

Name	Type	Required	Restrictions	Description
id	string(uuid)	true	none	The id of the bank access in UUID format.
providerId	string(uuid)	true	none	The id of the provider the bank access belongs to, in UUID format.
aktualisierungszeitpunkt	string(YYYY-MM-DD hh:mm:ss)	true	none	Date and time of the last query at the bank / service provider
messages	[Message]	false	none	List of messages that show which steps are required to continue further.
tanMedien	[TanMedium]	false	none	Lis tof available TAN media.
sicherheitsverfahren	[SecurityProcedure]	false	none	List of possible security procedures for this account.
aktivesSicherheitsverfahren	SecurityProcedure	false	none	The security procedure determines how end users authenticate their transaction(s).
challenge	Challenge	false	none	Contains information about TAN generation
relations	[Relation]	true	none	List of relations that are available as next steps.
type	string	false	none	Type of the bank access. This field will not be returned if the value is 'DEFAULT'. Type list: `DEFAULT` `EBICS` `BUILDER`
status	string	true	none	Retrieval status of the bank account Status list: `INTERAKTION` - Interaction: User intervention required, e.g. SCA required, see messages and relations `VOLLSTAENDIG` - Finished: The data retrieval is completed
timeout	string(YYYY-MM-DD hh:mm:ss)	false	none	Lifetime of the data in seconds from the time of the update.
bankprodukte	[Product]	true	none	The banking products available in the access.
sync	boolean	true	none	Whether the bank account is automatically updated in the background or not.

Enumerated Values

Property	Value
type	DEFAULT
type	EBICS
type	BUILDER
status	INTERAKTION
status	VOLLSTAENDIG

BankAccessIssues

{
  "id": "815251d6-c062-4f61-bec0-182bc14a48fb",
  "providerId": "00000000-0000-0000-0000-000000000000",
  "tanMedien": [
    {
      "gueltigVon": "2016-06-03 17:17:41",
      "gueltigBis": "2016-06-03 17:17:41",
      "name": "Mobil",
      "medienklasse": "MOBIL"
    }
  ],
  "sicherheitsverfahren": [
    {
      "kodierung": 2,
      "name": "mTAN",
      "hinweis": "mTAN"
    },
    {
      "kodierung": 1,
      "name": "Mock-TAN",
      "hinweis": "Mock-TAN"
    }
  ],
  "aktivesSicherheitsverfahren": {
    "kodierung": 1,
    "name": "Mock-TAN",
    "hinweis": "Mock-TAN"
  },
  "challenge": {
    "name": "Mock-TAN-Verfahren",
    "content": {
      "instructions": "Enter a TAN that is divisible by 2"
    },
    "decoupled": false,
    "redirect": false
  },
  "aktualisierungszeitpunkt": "2016-06-10 17:17:40",
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA benötigt",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "relations": [
    {
      "rel": "set_method",
      "href": "https://banksapi.io/v2/customer/consent/1345340218050910215PSDDE-BAFIN-152070CO4960JJ"
    }
  ]
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	ScaInteraction	false	none	BankAccess and Transfer inherit from this object. It indicates that in some cases, SCA may be needed to interact with the inheriting object.

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	The issues endpoint holds the last known issues for a bank access (useful to retrieve the reason for delayed / failed background or manual sync) This method communicates all messages, also errors, that are not displayed in the stable bank access
» aktivesSicherheitsverfahren	SecurityProcedure	false	none	The security procedure determines how end users authenticate their transaction(s).
» aktualisierungszeitpunkt	any	false	none	Time of the last query at the bank / service provider
» id	string	false	none	ID of the bank access
» providerId	string	false	none	ID of the provider
» challenge	Challenge	false	none	Contains information about TAN generation

BankProductStatus

"VOLLSTAENDIG"

BankProductStatus

Properties

Name	Type	Required	Restrictions	Description
BankProductStatus	string	false	none	Retrieval status of the bank product, which always equals the status of the corresponding bank access Status list : `INTERAKTION` - Interaction: User intervention required, e.g. SCA required, see messages and relations `VOLLSTAENDIG` - Finished: The data retrieval is completed

Enumerated Values

Property	Value
BankProductStatus	INTERAKTION
BankProductStatus	VOLLSTAENDIG

BulkDebitData

{
  "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
  "credentials": {
    "userid": "mXlkGe+ukAEs+2iH ... D/MOfGsd8HY=",
    "pin": "XO2jgZ ... 5GfhKpZmw="
  },
  "product": "DE89370400440532013000",
  "business": false,
  "sequenceType": "OOFF",
  "creditorSchemeIdentification": "GlauebigerId",
  "requestedCollectionDate": "2022-02-22",
  "debitDetails": [
    {
      "amount": 1337.42,
      "currency": "EUR",
      "purpose": "Verwendungszweck",
      "endToEndId": "123",
      "debtorName": "Max Mustermann",
      "debtorIban": "DE62430609671149278400",
      "debtorAccountNumber": "1149278400",
      "debtorBankCode": "43060967",
      "debtorBic": "GENODEM1GLS",
      "mandateIdentification": "MandatsId",
      "mandateDateOfSignature": "2022-02-02"
    },
    {
      "amount": 42,
      "currency": "EUR",
      "purpose": "Verwendungszweck 2",
      "endToEndId": "124",
      "debtorName": "Maxi Mustermann",
      "debtorIban": "DE00123456789012345678",
      "debtorAccountNumber": "9012345678",
      "debtorBankCode": "12345678",
      "debtorBic": "SSKMDEMMXXX",
      "mandateIdentification": "MandatsId",
      "mandateDateOfSignature": "2022-02-02"
    }
  ]
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	PaymentInitializationDetails	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	DebitBaseInfo	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	Request data to start a debit
» debitDetails	[DebitDetails]	true	none	none

BulkDebitDataBankAccess

{
  "allOf": [
    {
      "required": [
        "creditorSchemeIdentification",
        "requestedCollectionDate"
      ],
      "type": "object",
      "properties": {
        "business": {
          "type": "boolean",
          "description": "Indicates whether the debit should be submitted for business or private customers.<br/><br/> It is recommended to assign this field together with `sequenceType` on the top layer (here) and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time."
        },
        "sequenceType": {
          "title": "DebitSequenceType",
          "description": "Sequence type of the debit.<br/><br/> It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.<br/><br/> Sequence types: <li>`FRST` - first debit</li> <li>`RCUR` - recurrent debit</li> <li>`FNAL` - final debit</li> <li>`OOFF` - one-off debit</li>",
          "enum": [
            "FRST",
            "RCUR",
            "FNAL",
            "OOFF"
          ],
          "type": "string"
        },
        "creditorSchemeIdentification": {
          "type": "string",
          "description": "The scheme identification of the creditor."
        },
        "requestedCollectionDate": {
          "type": "string",
          "format": "YYYY-MM-DD",
          "description": "The requested collection date of the debit."
        }
      }
    },
    {
      "description": "Request data to start a bulk debit",
      "required": [
        "debitDetails"
      ],
      "title": "BulkDebitDataBankAccess",
      "type": "object",
      "properties": {
        "debitDetails": {
          "type": "array",
          "items": {
            "allOf": [
              {
                "title": "DebitDetails",
                "required": [
                  "amount",
                  "currency",
                  "purpose",
                  "endToEndId",
                  "debtorName",
                  "debtorIban",
                  "mandateIdentification",
                  "mandateDateOfSignature"
                ],
                "type": "object",
                "properties": {
                  "amount": {
                    "type": "number",
                    "format": "double",
                    "description": "Debit amount"
                  },
                  "currency": {
                    "type": "string",
                    "description": "Currency of the debit"
                  },
                  "purpose": {
                    "type": "string",
                    "description": "Purpose of the debit."
                  },
                  "endToEndId": {
                    "type": "string",
                    "description": "End to End Identification of the debit."
                  },
                  "debtorName": {
                    "type": "string",
                    "description": "Name of the debtor."
                  },
                  "debtorIban": {
                    "type": "string",
                    "description": "IBAN of the debtor."
                  },
                  "debtorAccountNumber": {
                    "type": "string",
                    "description": "Account number of the debtor."
                  },
                  "debtorBankCode": {
                    "type": "string",
                    "description": "Bank code of the debtor."
                  },
                  "debtorBic": {
                    "type": "string",
                    "description": "BIC of the debtor."
                  },
                  "mandateIdentification": {
                    "type": "string",
                    "description": "Identification of the mandate."
                  },
                  "mandateDateOfSignature": {
                    "type": "string",
                    "format": "YYYY-MM-DD",
                    "description": "The signature date of the mandate."
                  },
                  "business": {
                    "type": "boolean",
                    "description": "Indicates whether the debit should be submitted for business or private customers.<br/><br/> The mixing of true / false is not allowed in the same request.<br/><br/> It is recommended to assign this field together with `sequenceType` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time."
                  },
                  "sequenceType": {
                    "title": "DebitSequenceType",
                    "description": "Sequence type of the debit.<br/><br/> It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.<br/><br/> Sequence types: <li>`FRST` - first debit</li> <li>`RCUR` - recurrent debit</li> <li>`FNAL` - final debit</li> <li>`OOFF` - one-off debit</li>",
                    "enum": [
                      "FRST",
                      "RCUR",
                      "FNAL",
                      "OOFF"
                    ],
                    "type": "string"
                  }
                },
                "description": "DebitDetails are used in InitiateSingleDebit and InitiateBulkDebit"
              }
            ]
          }
        }
      }
    }
  ]
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	DebitBaseInfo	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	Request data to start a bulk debit
» debitDetails	[DebitDetails]	true	none	none

BulkDebitResult

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/bulk-debit/0b1937c7-82eb-49d4-99cb-6fdca765c450"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/payment/bulk-debit/0b1937c7-82eb-49d4-99cb-6fdca765c450/consent"
    }
  ],
  "debit": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "business": false,
    "sequenceType": "OOFF",
    "creditorSchemeIdentification": "GlauebigerId",
    "requestedCollectionDate": "2022-02-22",
    "debitDetails": [
      {
        "amount": 1337.42,
        "currency": "EUR",
        "purpose": "Verwendungszweck",
        "endToEndId": "123",
        "debtorName": "Max Mustermann",
        "debtorIban": "DE62430609671149278400",
        "debtorAccountNumber": "1149278400",
        "debtorBankCode": "43060967",
        "debtorBic": "GENODEM1GLS",
        "mandateIdentification": "MandatsId",
        "mandateDateOfSignature": "2022-02-02"
      },
      {
        "amount": 42,
        "currency": "EUR",
        "purpose": "Verwendungszweck 2",
        "endToEndId": "124",
        "debtorName": "Maxi Mustermann",
        "debtorIban": "DE00123456789012345678",
        "debtorAccountNumber": "9012345678",
        "debtorBankCode": "12345678",
        "debtorBic": "SSKMDEMMXXX",
        "mandateIdentification": "MandatsId",
        "mandateDateOfSignature": "2022-02-02"
      }
    ]
  }
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	Consent	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	Current status of debit
» debit	any	true	none	none

allOf

Name	Type	Required	Restrictions	Description
»» anonymous	DebitBaseInfo	false	none	none

and

Name	Type	Required	Restrictions	Description
»» anonymous	object	false	none	none
»»» provider	string(uuid)	true	none	none
»»» product	string	true	none	none
»»» paymentId	string(uuid)	true	none	Unique id generated for each payment.
»»» ebics	boolean	true	none	Whether this debit was submitted via EBICS or not.
»»» debitDetails	[DebitDetails]	true	none	none

BulkTransferData

{
  "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
  "credentials": {
    "userid": "mXlkGe+ukAEs+2iH... D/MOfGsd8HY=",
    "pin": "XO2jgZ... 5GfhKpZmw="
  },
  "product": "DE89370400440532013000",
  "instant": false,
  "requestedExecutionDate": "2024-09-19",
  "transferDetails": [
    {
      "recipient": "UNICEF",
      "purpose": "Spende UNICEF",
      "iban": "DE57370205000000300000",
      "bic": "BFSWDE33XXX",
      "currency": "EUR",
      "amount": 150,
      "endToEndId": "be7649876d5f439886fa816993ac9f9f"
    },
    {
      "recipient": "netzpolitik.org e. V.",
      "purpose": "Spende netzpolitik.de",
      "iban": "DE62430609671149278400",
      "bic": "GENODEM1GLS",
      "currency": "EUR",
      "amount": 75,
      "endToEndId": "be7649876d5f439886fa816993ac9f9f"
    }
  ]
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	PaymentInitializationDetails	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	BasicBulkTransferData	false	none	none

TransferDataBase

{
  "type": "object",
  "required": [
    "transferDetails"
  ],
  "properties": {
    "instant": {
      "type": "boolean",
      "description": "If set to true, the transfer will be executed as an instant payment.\nPlease note that instant payments may not be supported\nor may incur additional costs depending on the bank.\n"
    },
    "requestedExecutionDate": {
      "type": "string",
      "format": "YYYY-MM-DD",
      "description": "The requested execution date of the transfer.\nPlease note that transfers with execution date may not be supported depending on the bank.\n"
    }
  }
}

Properties

Name	Type	Required	Restrictions	Description
instant	boolean	false	none	If set to true, the transfer will be executed as an instant payment. Please note that instant payments may not be supported or may incur additional costs depending on the bank.
requestedExecutionDate	string(YYYY-MM-DD)	false	none	The requested execution date of the transfer. Please note that transfers with execution date may not be supported depending on the bank.

BasicBulkTransferData

{
  "instant": false,
  "requestedExecutionDate": "2024-09-19",
  "transferDetails": [
    {
      "recipient": "UNICEF",
      "purpose": "Spende UNICEF",
      "iban": "DE57370205000000300000",
      "bic": "BFSWDE33XXX",
      "currency": "EUR",
      "amount": 150,
      "endToEndId": "be7649876d5f439886fa816993ac9f9f"
    },
    {
      "recipient": "netzpolitik.org e. V.",
      "purpose": "Spende netzpolitik.de",
      "iban": "DE62430609671149278400",
      "bic": "GENODEM1GLS",
      "currency": "EUR",
      "amount": 75,
      "endToEndId": "be7649876d5f439886fa816993ac9f9f"
    }
  ]
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	TransferDataBase	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	Request payload to start a bulk transfer
» transferDetails	[TransferDetails]	false	none	[TransferDetails are used in InitiateSingleTransfer and InitiateBulkTransfer]

BasicSingleTransferData

{
  "instant": false,
  "requestedExecutionDate": "2024-09-19",
  "transferDetails": {
    "recipient": "netzpolitik.org e. V.",
    "purpose": "Spende netzpolitik.de",
    "iban": "DE62430609671149278400",
    "bic": "GENODEM1GLS",
    "currency": "EUR",
    "amount": 1337.42,
    "endToEndId": "be7649876d5f439886fa816993ac9f9f"
  }
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	TransferDataBase	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	Request payload to start a single transfer
» transferDetails	TransferDetails	false	none	TransferDetails are used in InitiateSingleTransfer and InitiateBulkTransfer

BulkTransferResult

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/bulk-transfer/fdc61bcd-d0ee-4999-9c77-eff3ba8db0ce"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/payment/bulk-transfer/fdc61bcd-d0ee-4999-9c77-eff3ba8db0ce/consent"
    }
  ],
  "transfer": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "df5afff2-43e7-4fca-95fa-0d06251c9ce9",
    "ebics": false,
    "instant": false,
    "requestedExecutionDate": "2024-09-19",
    "transferDetails": [
      {
        "recipient": "UNICEF",
        "purpose": "Spende UNICEF",
        "iban": "DE57370205000000300000",
        "bic": "BFSWDE33XXX",
        "currency": "EUR",
        "amount": 150,
        "endToEndId": "be7649876d5f439886fa816993ac9f9f"
      },
      {
        "recipient": "netzpolitik.org e. V.",
        "purpose": "Spende netzpolitik.de",
        "iban": "DE62430609671149278400",
        "bic": "GENODEM1GLS",
        "currency": "EUR",
        "amount": 75,
        "endToEndId": "be7649876d5f439886fa816993ac9f9f"
      }
    ]
  }
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	Consent	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	Current status of transfer
» transfer	object	true	none	none
»» provider	string(uuid)	true	none	none
»» product	string	true	none	none
»» paymentId	string(uuid)	true	none	Unique id generated for each payment.
»» ebics	boolean	true	none	Whether this transfer was submitted via EBICS or not.
»» instant	boolean	false	none	Whether this transfer was initiated as an instant payment or not.
»» requestedExecutionDate	string(YYYY-MM-DD)	false	none	The requested execution date of the transfer. Please note that transfers with execution date may not be supported depending on the bank.
»» transferDetails	[TransferDetails]	true	none	[TransferDetails are used in InitiateSingleTransfer and InitiateBulkTransfer]

Challenge

{
  "challenge": {
    "name": "chipTAN optisch",
    "content": {
      "instructions": "Nutzen sie Ihren TAN-Generator und geben sie anschließend Ihre TAN ein.",
      "HHD": "11048714955205123456789F14302C303107",
      "HHDUC": "1234567891234567891234567890,01"
    },
    "decoupled": false,
    "redirect": false
  }
}

Challenge

Properties

Name	Type	Required	Restrictions	Description
name	string	true	none	Name of the TAN procedure
content	ChallengeContent	true	none	Challenge data needed to perform the authentication with the chosen authentication method
decoupled	boolean	false	none	Indicates whether the SCA approach is decoupled, thus not expecting `scaAuthenticationData` within Submit SCA Data, but just an empty object to confirm the user indicated that he meanwhile confirmed the activity, e.g. through the bank app, independently.
redirect	boolean	false	none	Indicates whether the SCA approach is redirect.

ChallengeContent

{
  "instructions": "Nutzen sie Ihren TAN-Generator und geben sie anschließend Ihre TAN ein.",
  "HHD": "11048714955205123456789F14302C303107",
  "HHDUC": "1234567891234567891234567890,01"
}

ChallengeContent

Properties

Name	Type	Required	Restrictions	Description
instructions	string	false	none	Textual description on how to perform authentication
HHD	string	false	none	Textual representation of flicker code when using optical ChipTAN
HHDUC	string	false	none	Textual representation of code when using FlickerTAN
photo	string	false	none	Base64-encoded png of the mosaic photo to be displayed to the user when using PhotoTAN
PDF	string	false	none	Base64-encoded PDF needed for the challenge

Categorization

{
  "category": "bills_electricity",
  "parentCategory": "bills",
  "displayName": "Strom",
  "confidenceLevel": 0.8
}

Categorization

Properties

Name	Type	Required	Restrictions	Description
category	string	true	none	Unique category name of sales category
systemName	string	false	none	Unique system name of sales category
displayName	string	true	none	User friendly name of sales category
parentCategory	string	false	none	If it is a subcategory, this field includes the name of the main category
parent	string	false	none	If it is a subcategory, this field includes the system name of the main category
tagScope	string	false	none	The scope of the tag
tagType	string	false	none	The type of the tag
tagId	string	false	none	Unique id of the tag
tagVersion	string	false	none	The version of the tag

ChangeUserDetails

{
  "username": "demouser",
  "firstname": "demo",
  "lastname": "user"
}

ChangeUserDetails

Properties

Name	Type	Required	Restrictions	Description
username	string	false	none	The unique username
firstname	string	false	none	The first name
lastname	string	false	none	Last name

CreateBankAccess

{
  "d48744c0-132c-4ae4-a909-1ff771f61503": {
    "providerId": "00000000-0000-0000-0000-000000000000",
    "credentials": {
      "userid": "mOd2uKYr+2 ... TWOPCAt5zP",
      "pin": "Hhnc+aW/eM ... 7F+XRSHasW"
    },
    "sync": true,
    "selectedBankProducts": [
      "DE00123456789012345679"
    ]
  }
}

CreateBankAccess

Properties

Name	Type	Required	Restrictions	Description
additionalProperties	CreateBankAccessData	false	none	none

CreateBankAccessBuilder

{
  "id": "815251d6-c062-4f61-bec0-182bc14a48fb",
  "providerId": "00000000-0000-0000-0000-000000000000",
  "bankprodukte": [
    {
      "id": "DE89370400440532013000",
      "status": "VOLLSTAENDIG",
      "bezeichnung": "Tagesgeldkonto",
      "kategorie": "TAGESGELDKONTO",
      "saldo": 27365.56,
      "aktualisierungszeitpunkt": "2021-10-15 09:13:44",
      "saldoDatum": "2021-10-15 00:00:00",
      "waehrung": "EUR",
      "kontonummer": "9012345679",
      "iban": "DE89370400440532013000",
      "bic": "XXX12345678",
      "blz": "12345678",
      "kreditinstitut": "Demo Provider",
      "inhaber": "Fritz Testmüller"
    }
  ]
}

CreateBankAccessBuilder

Properties

Name	Type	Required	Restrictions	Description
id	string(uuid)	true	none	The ID of the access to create
providerId	string(uuid)	true	none	The ID of the access provider (bank or service provider) according to the provider list
bankprodukte	[SimpleProduct]	true	none	The banking products available in the access.

CreateBankAccessData

{
  "815251d6-c062-4f61-bec0-182bc14a48fb": {
    "providerId": "00000000-0000-0000-0000-000000000000",
    "credentials": {
      "userid": "mOd2uKYr+2 ... TWOPCAt5zP",
      "pin": "Hhnc+aW/eM ... 7F+XRSHasW"
    },
    "sync": true,
    "selectedBankProducts": [
      "DE00123456789012345679"
    ]
  }
}

Create Bank Access Data

Properties

Name	Type	Required	Restrictions	Description
providerId	string(uuid)	false	none	The ID of the access provider (bank or service provider) according to the provider list
credentials	Credentials	false	none	The Credentials object is a map of encrypted and Base64-encoded access data, corresponding to the provider's authentication fields. The Base64 encoding must not use line wrapping. The encryption method used is described in the chapter Encryption. The Credentials object is not required for REG/Protect tenants only.
sync	boolean	false	none	Whether an automatic regular background update is to be performed or not
selectedBankProducts	[string]	false	none	The set of selected bank products that should be fetched.
ebics	boolean	false	none	Whether this credentials are for EBICS or not.
hostId	string	false	none	Host-ID for EBICS as provided by the bank
hostUrl	string	false	none	Host-URL for EBICS as provided by the bank

CreateBulkTransferLegacy

{
  "payments": [
    {
      "empfaenger": "UNICEF",
      "verwendungszweck": "Spende UNICEF",
      "iban": "DE57370205000000300000",
      "bic": "BFSWDE33XXX",
      "waehrung": "EUR",
      "betrag": 150
    },
    {
      "empfaenger": "netzpolitik.org e. V.",
      "verwendungszweck": "Spende netzpolitik.de",
      "iban": "DE62430609671149278400",
      "bic": "GENODEM1GLS",
      "waehrung": "EUR",
      "betrag": 75
    }
  ],
  "ausfuehrungsdatum": "2016-12-24",
  "sicherheitsverfahrenKodierung": "1",
  "tanMediumName": "Mobil",
  "tanMedien": [
    {
      "gueltigVon": "2016-06-03 17:17:41",
      "gueltigBis": "2016-06-03 17:17:41",
      "name": "Mobil",
      "medienklasse": "MOBIL"
    }
  ],
  "sicherheitsverfahren": [
    {
      "kodierung": 2,
      "name": "mTAN",
      "hinweis": "mTAN"
    },
    {
      "kodierung": 1,
      "name": "Mock-TAN",
      "hinweis": "Mock-TAN"
    }
  ],
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA benötigt",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "relations": [
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/ueberweisung/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7/consent"
    }
  ]
}

Properties

Name	Type	Required	Restrictions	Description
credentials	Credentials	false	none	The Credentials object is a map of encrypted and Base64-encoded access data, corresponding to the provider's authentication fields. The Base64 encoding must not use line wrapping. The encryption method used is described in the chapter Encryption. The Credentials object is not required for REG/Protect tenants only.
sicherheitsverfahrenKodierung	integer(int32)	false	none	Coding of the security procedure to use , see Bank product
ausfuehrungsdatum	DateTime	false	none	This object represents a timestamp. Format: `YYYY-MM-DD hh:mm:ss`. Data will be interpreted according to the time zone Europe/Berlin.
tanMediumName	string	false	none	The TAN medium to be used
payments	[UeberweisungDetails]	true	none	none

CreateTextTan

{
  "tan": "4103582"
}

CreateTextTan

Properties

Name	Type	Required	Restrictions	Description
tan	string	true	none	The TAN to confirm the transfers

CreateToken

{
  "grant_type": "client_credentials",
  "scope": "http://banksapi.io/provider/read"
}

CreateToken

Properties

Name	Type	Required	Restrictions	Description
grant_type	string	true	none	Must be one of the following: `password`: Get a user token, which is needed when creating or querying banking accounts. `client_credentials`: Get a client token, which is needed for administrative use cases such as creating users.
username	string	false	none	Username of user. REQUIRED if 'grant_type' is 'password'!
password	string	false	none	Password of user. REQUIRED if 'grant_type' is 'password'!
scope	string	false	none	Space-separated list of desired scopes. A scope names a class of access rules. It is a string, usually in the form of a (fictitious) URL. The available scopes depend on the scope of services booked. You therefore receive the scope list together with your cooperation agreement.

Enumerated Values

Property	Value
grant_type	password
grant_type	client_credentials

CreateTransfer

{
  "allOf": [
    {
      "allOf": [
        {
          "title": "UeberweisungDetails",
          "required": [
            "empfaenger",
            "verwendungszweck",
            "iban",
            "betrag",
            "waehrung"
          ],
          "type": "object",
          "properties": {
            "empfaenger": {
              "type": "string",
              "description": "Receiver of the transfer"
            },
            "verwendungszweck": {
              "type": "string",
              "description": "Purpose of the transfer."
            },
            "iban": {
              "type": "string",
              "description": "IBAN of the recipient account"
            },
            "bic": {
              "type": "string",
              "description": "BIC of the recipient account"
            },
            "waehrung": {
              "type": "string",
              "description": "Currency of the transfer (Alphabetic Code ISO 4217)"
            },
            "betrag": {
              "type": "number",
              "description": "Transfer amount"
            }
          },
          "description": "UeberweisungDetails are used in CreateTransfer and CreateBulkTransfer"
        }
      ]
    },
    {
      "title": "CreateTransfer",
      "required": [
        "empfaenger",
        "verwendungszweck",
        "iban",
        "betrag",
        "bic",
        "waehrung"
      ],
      "type": "object",
      "properties": {
        "credentials": {
          "title": "Credentials",
          "description": "The Credentials object is a map of encrypted and Base64-encoded access data, corresponding\nto the provider's authentication fields. The Base64 encoding must not use line wrapping.\n\nThe encryption method used is described in the chapter Encryption.\n\nThe Credentials object is not required for REG/Protect tenants only.",
          "required": [
            "userid",
            "pin"
          ],
          "type": "object",
          "properties": {
            "userid": {
              "type": "string",
              "example": "cust0815",
              "description": "Encrypted and Base64-encoded username of the user at the bank, e.g. used in his online banking.<br/>EBICS: The User-ID (Teilnehmer-ID) as provided by the bank must be transmitted."
            },
            "pin": {
              "type": "string",
              "example": "verySecret",
              "description": "Encrypted and Base64-encoded pin / password of the user at the bank, e.g. used in his online banking.<br/>EBICS: A pin must not be transmitted."
            },
            "partnerid": {
              "type": "string",
              "example": "PID0001",
              "description": "Encrypted and Base64-encoded partner id (Kunden-ID) only required for EBICS."
            },
            "corporateid": {
              "type": "string",
              "example": 123456,
              "description": "Encrypted and Base64-encoded corporate id required by some banks for business accounts."
            }
          },
          "example": {
            "userid": "mOd2uKYr+2 ... TWOPCAt5zP",
            "pin": "Hhnc+aW/eM ... 7F+XRSHasW"
          }
        },
        "sicherheitsverfahrenKodierung": {
          "type": "integer",
          "description": "Coding of the security procedure to use , see Bank product",
          "format": "int32"
        },
        "ausfuehrungsdatum": {
          "title": "DateTime",
          "description": "This object represents a timestamp. Format: `YYYY-MM-DD hh:mm:ss`. Data will be interpreted according to the time zone Europe/Berlin.",
          "type": "string",
          "example": "2019-12-04 13:37:00"
        },
        "tanMediumName": {
          "type": "string",
          "description": "The TAN medium to be used"
        }
      },
      "description": "Request data to start a transfer",
      "example": {
        "credentials": {
          "userid": "mXlkGe+ukA ... MOfGsd8HY=",
          "pin": "XO2jg ... 5GfhKpZmw="
        },
        "empfaenger": "netzpolitik.org e. V.",
        "verwendungszweck": "Spende netzpolitik.de",
        "iban": "DE62430609671149278400",
        "bic": "GENODEM1GLS",
        "waehrung": "EUR",
        "betrag": 1337.42,
        "ausfuehrungsdatum": "2016-12-24",
        "sicherheitsverfahrenKodierung": "1",
        "tanMediumName": "Mobil"
      }
    }
  ]
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	UeberweisungDetails	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	Request data to start a transfer
» credentials	Credentials	false	none	The Credentials object is a map of encrypted and Base64-encoded access data, corresponding to the provider's authentication fields. The Base64 encoding must not use line wrapping. The encryption method used is described in the chapter Encryption. The Credentials object is not required for REG/Protect tenants only.
» sicherheitsverfahrenKodierung	integer(int32)	false	none	Coding of the security procedure to use , see Bank product
» ausfuehrungsdatum	DateTime	false	none	This object represents a timestamp. Format: `YYYY-MM-DD hh:mm:ss`. Data will be interpreted according to the time zone Europe/Berlin.
» tanMediumName	string	false	none	The TAN medium to be used

CreateUser

{
  "username": "demouser",
  "password": "secret",
  "firstname": "demo",
  "lastname": "user"
}

CreateUser

Properties

Name	Type	Required	Restrictions	Description
username	string	true	none	The unique username
password	string	true	none	The password of the user. The password policy is as follows: at least 10 characters at least 2 letters at least 2 special characters (numbers or any other characters like ,.-;:_&%$ etc.)
firstname	string	false	none	The first name
lastname	string	false	none	Last name

Credentials

{
  "userid": "mOd2uKYr+2 ... TWOPCAt5zP",
  "pin": "Hhnc+aW/eM ... 7F+XRSHasW"
}

Credentials

Properties

Name	Type	Required	Restrictions	Description
userid	string	true	none	Encrypted and Base64-encoded username of the user at the bank, e.g. used in his online banking. EBICS: The User-ID (Teilnehmer-ID) as provided by the bank must be transmitted.
pin	string	true	none	Encrypted and Base64-encoded pin / password of the user at the bank, e.g. used in his online banking. EBICS: A pin must not be transmitted.
partnerid	string	false	none	Encrypted and Base64-encoded partner id (Kunden-ID) only required for EBICS.
corporateid	string	false	none	Encrypted and Base64-encoded corporate id required by some banks for business accounts.

Customer

{
  "bankzugaenge": {
    "4000fda7-18af-463f-b694-bbafe5d23a48": {
      "messages": [
        {
          "level": "INFO",
          "code": "BA3010",
          "message": "SCA benötigt",
          "details": "Bitte wählen Sie eine SCA-Methode aus"
        }
      ],
      "sicherheitsverfahren": [
        {
          "kodierung": 980,
          "name": "mTAN",
          "hinweis": "mTAN"
        },
        {
          "name": "SMS_OTP",
          "kodierung": "942",
          "hinweis": "SMS OTP"
        }
      ],
      "relations": [
        {
          "rel": "start_sca",
          "href": "https://banksapi.io/v2/customer/consent/1345340218050910215PSDDE-BAFIN-152070CO4960JJ"
        }
      ]
    }
  },
  "relations": [
    {
      "rel": "start_sca",
      "href": "https://banksapi.io/customer/v2"
    },
    {
      "rel": "authenticate",
      "href": "https://banksapi.io/customer/v2"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/consent/{consent-id}"
    },
    {
      "rel": "set_medium",
      "href": "https://banksapi.io/customer/v2/consent/{consent-id}"
    },
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2"
    },
    {
      "rel": "get_bankzugaenge",
      "href": "https://banksapi.io/customer/v2/bankzugaenge"
    },
    {
      "rel": "add_bankzugaenge",
      "href": "https://banksapi.io/customer/v2/bankzugaenge"
    },
    {
      "rel": "delete_bankzugaenge",
      "href": "https://banksapi.io/customer/v2/bankzugaenge"
    }
  ]
}

Customer

Properties

Name	Type	Required	Restrictions	Description
messages	[Message]	false	none	[Messages transport both errors and analysis events.]
bankzugaenge	object	false	none	none
relations	[Relation]	false	none	[A relation corresponds to an application or business transaction that is supported by the enclosing data object. Each application or business transaction has its own documentation, which describes the call as well as the return or the possible alternative answer scenarios in detail.]

DateTime

"2019-12-04 13:37:00"

DateTime

Properties

Name	Type	Required	Restrictions	Description
DateTime	string	false	none	This object represents a timestamp. Format: `YYYY-MM-DD hh:mm:ss`. Data will be interpreted according to the time zone Europe/Berlin.

DebitBaseInfo

{
  "required": [
    "creditorSchemeIdentification",
    "requestedCollectionDate"
  ],
  "type": "object",
  "properties": {
    "business": {
      "type": "boolean",
      "description": "Indicates whether the debit should be submitted for business or private customers.<br/><br/> It is recommended to assign this field together with `sequenceType` on the top layer (here) and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time."
    },
    "sequenceType": {
      "title": "DebitSequenceType",
      "description": "Sequence type of the debit.<br/><br/> It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.<br/><br/> Sequence types: <li>`FRST` - first debit</li> <li>`RCUR` - recurrent debit</li> <li>`FNAL` - final debit</li> <li>`OOFF` - one-off debit</li>",
      "enum": [
        "FRST",
        "RCUR",
        "FNAL",
        "OOFF"
      ],
      "type": "string"
    },
    "creditorSchemeIdentification": {
      "type": "string",
      "description": "The scheme identification of the creditor."
    },
    "requestedCollectionDate": {
      "type": "string",
      "format": "YYYY-MM-DD",
      "description": "The requested collection date of the debit."
    }
  }
}

Properties

Name	Type	Required	Restrictions	Description
business	boolean	false	none	Indicates whether the debit should be submitted for business or private customers. It is recommended to assign this field together with `sequenceType` on the top layer (here) and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.
sequenceType	DebitSequenceType	false	none	Sequence type of the debit. It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time. Sequence types: `FRST` - first debit `RCUR` - recurrent debit `FNAL` - final debit `OOFF` - one-off debit
creditorSchemeIdentification	string	true	none	The scheme identification of the creditor.
requestedCollectionDate	string(YYYY-MM-DD)	true	none	The requested collection date of the debit.

DebitDetails

{
  "allOf": [
    {
      "title": "DebitDetails",
      "required": [
        "amount",
        "currency",
        "purpose",
        "endToEndId",
        "debtorName",
        "debtorIban",
        "mandateIdentification",
        "mandateDateOfSignature"
      ],
      "type": "object",
      "properties": {
        "amount": {
          "type": "number",
          "format": "double",
          "description": "Debit amount"
        },
        "currency": {
          "type": "string",
          "description": "Currency of the debit"
        },
        "purpose": {
          "type": "string",
          "description": "Purpose of the debit."
        },
        "endToEndId": {
          "type": "string",
          "description": "End to End Identification of the debit."
        },
        "debtorName": {
          "type": "string",
          "description": "Name of the debtor."
        },
        "debtorIban": {
          "type": "string",
          "description": "IBAN of the debtor."
        },
        "debtorAccountNumber": {
          "type": "string",
          "description": "Account number of the debtor."
        },
        "debtorBankCode": {
          "type": "string",
          "description": "Bank code of the debtor."
        },
        "debtorBic": {
          "type": "string",
          "description": "BIC of the debtor."
        },
        "mandateIdentification": {
          "type": "string",
          "description": "Identification of the mandate."
        },
        "mandateDateOfSignature": {
          "type": "string",
          "format": "YYYY-MM-DD",
          "description": "The signature date of the mandate."
        },
        "business": {
          "type": "boolean",
          "description": "Indicates whether the debit should be submitted for business or private customers.<br/><br/> The mixing of true / false is not allowed in the same request.<br/><br/> It is recommended to assign this field together with `sequenceType` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time."
        },
        "sequenceType": {
          "title": "DebitSequenceType",
          "description": "Sequence type of the debit.<br/><br/> It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.<br/><br/> Sequence types: <li>`FRST` - first debit</li> <li>`RCUR` - recurrent debit</li> <li>`FNAL` - final debit</li> <li>`OOFF` - one-off debit</li>",
          "enum": [
            "FRST",
            "RCUR",
            "FNAL",
            "OOFF"
          ],
          "type": "string"
        }
      },
      "description": "DebitDetails are used in InitiateSingleDebit and InitiateBulkDebit"
    }
  ]
}

Properties

Name	Type	Required	Restrictions	Description
amount	number(double)	true	none	Debit amount
currency	string	true	none	Currency of the debit
purpose	string	true	none	Purpose of the debit.
endToEndId	string	true	none	End to End Identification of the debit.
debtorName	string	true	none	Name of the debtor.
debtorIban	string	true	none	IBAN of the debtor.
debtorAccountNumber	string	false	none	Account number of the debtor.
debtorBankCode	string	false	none	Bank code of the debtor.
debtorBic	string	false	none	BIC of the debtor.
mandateIdentification	string	true	none	Identification of the mandate.
mandateDateOfSignature	string(YYYY-MM-DD)	true	none	The signature date of the mandate.
business	boolean	false	none	Indicates whether the debit should be submitted for business or private customers. The mixing of true / false is not allowed in the same request. It is recommended to assign this field together with `sequenceType` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.
sequenceType	DebitSequenceType	false	none	Sequence type of the debit. It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time. Sequence types: `FRST` - first debit `RCUR` - recurrent debit `FNAL` - final debit `OOFF` - one-off debit

DebitSequenceType

{
  "title": "DebitSequenceType",
  "description": "Sequence type of the debit.<br/><br/> It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.<br/><br/> Sequence types: <li>`FRST` - first debit</li> <li>`RCUR` - recurrent debit</li> <li>`FNAL` - final debit</li> <li>`OOFF` - one-off debit</li>",
  "enum": [
    "FRST",
    "RCUR",
    "FNAL",
    "OOFF"
  ],
  "type": "string"
}

DebitSequenceType

Properties

Name	Type	Required	Restrictions	Description
DebitSequenceType	string	false	none	Sequence type of the debit. It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time. Sequence types: `FRST` - first debit `RCUR` - recurrent debit `FNAL` - final debit `OOFF` - one-off debit

Enumerated Values

Property	Value
DebitSequenceType	FRST
DebitSequenceType	RCUR
DebitSequenceType	FNAL
DebitSequenceType	OOFF

EntitySchema

{
  "properties": {
    "displayName": {
      "description": "Display name of the entity",
      "example": "TRANSACTION",
      "type": "string"
    },
    "entityClass": {
      "description": "Class of the entity, such as TRANSACTION or USER",
      "example": "TRANSACTION",
      "type": "string"
    },
    "id": {
      "description": "Transaction UUID or USER UUID.",
      "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "userId": {
      "description": "UUID of the USER. Same as id field for USER entities.",
      "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    }
  },
  "required": [
    "displayName",
    "entityClass",
    "id"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
displayName	string	true	none	Display name of the entity
entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
id	string	true	none	Transaction UUID or USER UUID.
userId	string	false	none	UUID of the USER. Same as id field for USER entities.

Field

{
  "fieldkey": "pin",
  "label": "Demo-Passwort",
  "secret": true,
  "hint": "demo1, demo2 oder demo3",
  "format": "^.{1,50}$"
}

Field

Properties

Name	Type	Required	Restrictions	Description
fieldkey	string	true	none	Name of the parameter in the Credentials object
label	string	true	none	Name of the field for the ad
secret	boolean	true	none	Specifies whether the field contains a secret, for example, should be hidden or only optionally stored
hint	string	false	none	An explanation text for display next to the field
format	string	true	none	A regular expression (regex) pattern specifying the format for the input field

Interaction

{
  "messages": [
    {
      "code": "BA1110",
      "level": "INFO",
      "message": "TAN-Eingabe nötig",
      "details": "Bitte geben Sie die TAN ein"
    }
  ],
  "timeout": "2017-08-31 16:08:55",
  "relations": [
    {
      "rel": "submit_text_tan",
      "href": "https://banksapi.io/customer/v2/ueberweisung/00000000-0000-0000-0000-000000000000/DE00123456789012345679/c612b2f3-f797-4f66-bec4-2064812c8736"
    }
  ],
  "challenge": {
    "name": "chipTAN optisch",
    "content": {
      "HHD": "11048714955205123456789F14302C303107",
      "HHDUC": "1234567891234567891234567890,01"
    },
    "decoupled": false,
    "redirect": false
  }
}

Interaction

Properties

Name	Type	Required	Restrictions	Description
messages	[Message]	true	none	Messages for TAN input or error texts for transfer
relations	[Relation]	true	none	Relations for follow-up actions
timeout	string(date)	false	none	Time to wait for follow-up actions
challenge	Challenge	false	none	Contains information about TAN generation

Investment

{
  "name": "GENERAL ELECTRIC CO",
  "menge": 167,
  "handelseinheit": "STUECK",
  "isin": "US3696041033",
  "wkn": "851144",
  "kurs": 24.32,
  "kursDatum": "2021-10-15 15:31:20",
  "waehrung": "USD",
  "waehrungskurs": 1.18,
  "handelsplatz": "Xetra",
  "gesamtwert": 3441.9
}

Investment

Properties

Name	Type	Required	Restrictions	Description
name	string	false	none	Name of the deposit position, usually the name of the financial instrument
menge	number	false	none	Amount with decimal places
handelseinheit	string	false	none	Trade item, STUECK or NOMINAL
isin	string	false	none	ISIN of the financial instrument
wkn	string	false	none	WKN of the financial instrument
kurs	number	false	none	Price in trading currency
kursDatum	string(YYYY-MM-DD hh:mm:ss)	false	none	The quote date
waehrung	string	false	none	Trading currency (Alphabetic Code ISO 4217)
waehrungskurs	number	false	none	Conversion rate from EUR to the trading currency
handelsplatz	string	false	none	Trading place of the price determination
gesamtwert	number	false	none	Total value of the stock in the currency given in 'waehrung' as at the end of the financial statements

Enumerated Values

Property	Value
handelseinheit	STUECK
handelseinheit	NOMINAL

IsoDateTime

"2019-12-04T13:37:00"

IsoDateTime

Properties

Name	Type	Required	Restrictions	Description
IsoDateTime	string	false	none	This object represents an ISO timestamp. Format: ISO 8601 in the form `YYYY-MM-DDThh:mm:ss`. Data will be interpreted according to the time zone Europe/Berlin.

Job

{
  "jobType": "SAMMLER",
  "engine": "SCRAPER",
  "prio": 1
}

Job

Properties

Name	Type	Required	Restrictions	Description
jobType	string	true	none	none
engine	string	true	none	none
prio	integer(int32)	false	none	none

ListOfBankAccesses

{
  "0b7f4783-4c93-4820-8e73-354a0f1c469e": {
    "id": "0b7f4783-4c93-4820-8e73-354a0f1c469e",
    "providerId": "00000000-0000-0000-0000-000000000000",
    "aktualisierungszeitpunkt": "2021-10-15 09:13:44",
    "tanMedien": [
      {
        "name": "Mobil",
        "medienklasse": "MOBIL",
        "gueltigVon": "2021-10-15 09:13:44",
        "gueltigBis": "2021-10-15 09:13:44"
      }
    ],
    "sicherheitsverfahren": [
      {
        "kodierung": 1,
        "name": "mockTAN",
        "hinweis": "Gib eine durch 2 teilbare Zahl ein"
      },
      {
        "kodierung": 999,
        "name": "iTAN",
        "hinweis": "Gib die TAN \"12\" an."
      }
    ],
    "aktivesSicherheitsverfahren": {
      "kodierung": 999,
      "name": "iTAN",
      "hinweis": "Gib die TAN \"12\" an."
    },
    "relations": [
      {
        "rel": "self",
        "href": "https://banksapi.io/customer/v2/bankzugaenge/0b7f4783-4c93-4820-8e73-354a0f1c469e"
      },
      {
        "rel": "delete_bankzugang",
        "href": "https://banksapi.io/customer/v2/bankzugaenge/0b7f4783-4c93-4820-8e73-354a0f1c469e"
      }
    ],
    "status": "VOLLSTAENDIG",
    "bankprodukte": [
      {
        "id": "DE00123456789012345679",
        "status": "VOLLSTAENDIG",
        "bezeichnung": "Tagesgeldkonto",
        "kategorie": "TAGESGELDKONTO",
        "saldo": 27365.56,
        "aktualisierungszeitpunkt": "2021-10-15 09:13:44",
        "saldoDatum": "2021-10-15 00:00:00",
        "waehrung": "EUR",
        "kontonummer": "9012345679",
        "iban": "DE00123456789012345679",
        "bic": "XXX12345678",
        "blz": "12345678",
        "kreditinstitut": "Demo Provider",
        "inhaber": "Fritz Testmüller",
        "transferSupport": true,
        "relations": [
          {
            "rel": "get_kontoumsaetze",
            "href": "https://banksapi.io/customer/v2/bankzugaenge/0b7f4783-4c93-4820-8e73-354a0f1c469e/DE00123456789012345679/kontoumsaetze"
          },
          {
            "rel": "initiate_single_transfer",
            "href": "https://banksapi.io/customer/v2/payment/single-transfer"
          },
          {
            "rel": "initiate_bulk_transfer",
            "href": "https://banksapi.io/customer/v2/payment/bulk-transfer"
          }
        ],
        "messages": [],
        "verfuegungsrahmen": 27365.56,
        "verfuegterBetrag": 0
      }
    ],
    "sync": true
  },
  "4000fda7-18af-463f-b694-bbafe5d23a48": {
    "status": "VOLLSTAENDIG",
    "tanMedien": [
      {
        "gueltigVon": "2016-06-03 17:17:41",
        "gueltigBis": "2016-06-03 17:17:41",
        "name": "Mobil",
        "medienklasse": "MOBIL"
      }
    ],
    "sicherheitsverfahren": [
      {
        "kodierung": 2,
        "name": "mTAN",
        "hinweis": "mTAN"
      },
      {
        "kodierung": 1,
        "name": "Mock-TAN",
        "hinweis": "Mock-TAN"
      }
    ],
    "aktivesSicherheitsverfahren": {
      "kodierung": 1,
      "name": "Mock-TAN",
      "hinweis": "Mock-TAN"
    },
    "aktualisierungszeitpunkt": "2016-06-10 17:17:40",
    "timeout": "2016-12-24 13:37:42",
    "messages": [],
    "bankprodukte": [],
    "relations": [],
    "sync": false
  }
}

ListOfBankAccesses

Properties

Name	Type	Required	Restrictions	Description
additionalProperties	BankAccess	false	none	none

MaxTransactions

{
  "title": "MaxTransactions",
  "description": "Indicator if transactions older than 90 days should be fetched<br/><br/> MaxTransactions: <li>`none` - default value</li> <li>`all` - all accounts</li> <li>`paymentAccounts` - only payment accounts</li>",
  "enum": [
    "none",
    "all",
    "paymentAccounts"
  ],
  "type": "string"
}

MaxTransactions

Properties

Name	Type	Required	Restrictions	Description
MaxTransactions	string	false	none	Indicator if transactions older than 90 days should be fetched MaxTransactions: `none` - default value `all` - all accounts `paymentAccounts` - only payment accounts

Enumerated Values

Property	Value
MaxTransactions	none
MaxTransactions	all
MaxTransactions	paymentAccounts

MediaClass

"MOBILE"

MediaClass

Properties

Name	Type	Required	Restrictions	Description
MediaClass	string	false	none	Media Classes: `LISTE` - Paper-TAN list `GENERATOR` - TAN generator `MOBILE` - mobile phone `SECODER` - TAN matrix generator `PUSHTAN` - Push message `ALL` - All classes `PROPRIETARY` - Proprietary media

Enumerated Values

Property	Value
MediaClass	LISTE
MediaClass	GENERATOR
MediaClass	MOBILE
MediaClass	SECODER
MediaClass	PUSHTAN
MediaClass	ALL
MediaClass	PROPRIETARY

Message

[
  {
    "level": "INFO",
    "code": "BA3010",
    "message": "SCA benötigt",
    "details": "Bitte wählen Sie eine SCA-Methode aus"
  }
]

Message

Properties

Name	Type	Required	Restrictions	Description
level	string	true	none	Level of the message, INFO or ERROR
code	MessageCode	true	none	Code of the message Message Codes: `BA999` - Internal error (ERROR) `BA1000` - Maintenance work provider (ERROR) `BA1001` - Provider no longer active (ERROR) `BA1010` - Access blocked (ERROR) `BA1011` - Access data incorrect (ERROR) `BA1012` - Access data incomplete (ERROR) `BA1013` - Account not activated (ERROR) `BA1014` - Too many unsuccessful logins (ERROR) `BA1020` - Account has improper permissions (ERROR) `BA1051` - Bank access unavailable (ERROR) `BA1052` - Bank access not fully available (ERROR) `BA1053` - Access exceeded (ERROR) `BA1060` - Product could not be updated (ERROR) `BA1062` - Transactions could not be updated (ERROR) `BA1063` - Depot positions could not be updated (ERROR) `BA1064` - Message from bank (ERROR) `BA1100` - Transfer data invalid (ERROR) `BA1101` - Invalid TAN procedure (ERROR) `BA1102` - Invalid TAN medium (ERROR) `BA1103` - TAN invalid (ERROR) `BA1104` - Bank transfer not possible (ERROR) `BA1110` - TAN input required (INFO) `BA1111` - The transfer has been completed successfully (INFO) `BA1112` - The transfer has been submitted successfully (INFO) `BA1200` - Debit data invalid (ERROR) `BA1204` - Debit not supported (ERROR) `BA1212` - The debit has been submitted successfully (INFO) `BA2002` - There are notifications from your bank (INFO) `BA2003` - Product type not supported (INFO) `BA2004` - Bank access not activated yet (INFO) `BA2021` - Missing permission (INFO) `BA2062` - Transactions not available (INFO) `BA3000` - SCA required (INFO) `BA3005` - SCA redirect required (INFO) `BA3010` - Select SCA method (INFO) `BA3020` - Select SCA medium (INFO) `BA3030` - SCA Challenge (INFO) `BA3040` - SCA failed (ERROR) `BA3060` - No supported SCA method found (ERROR)
message	string	true	none	Error text for display by the end customer according to errors and messages
details	string	false	none	Further information on the display at the end customer, which can change from message to message.

Enumerated Values

Property	Value
level	INFO
level	ERROR

MessageCode

"BA999"

MessageCode

Properties

Name	Type	Required	Restrictions	Description
MessageCode	string	false	none	Code of the message Message Codes: `BA999` - Internal error (ERROR) `BA1000` - Maintenance work provider (ERROR) `BA1001` - Provider no longer active (ERROR) `BA1010` - Access blocked (ERROR) `BA1011` - Access data incorrect (ERROR) `BA1012` - Access data incomplete (ERROR) `BA1013` - Account not activated (ERROR) `BA1014` - Too many unsuccessful logins (ERROR) `BA1020` - Account has improper permissions (ERROR) `BA1051` - Bank access unavailable (ERROR) `BA1052` - Bank access not fully available (ERROR) `BA1053` - Access exceeded (ERROR) `BA1060` - Product could not be updated (ERROR) `BA1062` - Transactions could not be updated (ERROR) `BA1063` - Depot positions could not be updated (ERROR) `BA1064` - Message from bank (ERROR) `BA1100` - Transfer data invalid (ERROR) `BA1101` - Invalid TAN procedure (ERROR) `BA1102` - Invalid TAN medium (ERROR) `BA1103` - TAN invalid (ERROR) `BA1104` - Bank transfer not possible (ERROR) `BA1110` - TAN input required (INFO) `BA1111` - The transfer has been completed successfully (INFO) `BA1112` - The transfer has been submitted successfully (INFO) `BA1200` - Debit data invalid (ERROR) `BA1204` - Debit not supported (ERROR) `BA1212` - The debit has been submitted successfully (INFO) `BA2002` - There are notifications from your bank (INFO) `BA2003` - Product type not supported (INFO) `BA2004` - Bank access not activated yet (INFO) `BA2021` - Missing permission (INFO) `BA2062` - Transactions not available (INFO) `BA3000` - SCA required (INFO) `BA3005` - SCA redirect required (INFO) `BA3010` - Select SCA method (INFO) `BA3020` - Select SCA medium (INFO) `BA3030` - SCA Challenge (INFO) `BA3040` - SCA failed (ERROR) `BA3060` - No supported SCA method found (ERROR)

Enumerated Values

Property	Value
MessageCode	BA999
MessageCode	BA1000
MessageCode	BA1001
MessageCode	BA1010
MessageCode	BA1011
MessageCode	BA1012
MessageCode	BA1013
MessageCode	BA1014
MessageCode	BA1020
MessageCode	BA1051
MessageCode	BA1052
MessageCode	BA1053
MessageCode	BA1060
MessageCode	BA1062
MessageCode	BA1063
MessageCode	BA1064
MessageCode	BA1100
MessageCode	BA1101
MessageCode	BA1102
MessageCode	BA1103
MessageCode	BA1104
MessageCode	BA1110
MessageCode	BA1111
MessageCode	BA1112
MessageCode	BA1200
MessageCode	BA1204
MessageCode	BA1212
MessageCode	BA2002
MessageCode	BA2003
MessageCode	BA2004
MessageCode	BA2021
MessageCode	BA2062
MessageCode	BA3000
MessageCode	BA3005
MessageCode	BA3010
MessageCode	BA3020
MessageCode	BA3030
MessageCode	BA3040
MessageCode	BA3060

MessageLevel

"ERROR"

MessageLevel

Properties

Name	Type	Required	Restrictions	Description
MessageLevel	string	false	none	Level of the message, INFO or ERROR

Enumerated Values

Property	Value
MessageLevel	INFO
MessageLevel	ERROR

PaymentInitializationDetails

{
  "required": [
    "provider",
    "product"
  ],
  "type": "object",
  "properties": {
    "provider": {
      "type": "string",
      "description": "Provider to initiate the payment from",
      "format": "uuid"
    },
    "credentials": {
      "title": "Credentials",
      "description": "The Credentials object is a map of encrypted and Base64-encoded access data, corresponding\nto the provider's authentication fields. The Base64 encoding must not use line wrapping.\n\nThe encryption method used is described in the chapter Encryption.\n\nThe Credentials object is not required for REG/Protect tenants only.",
      "required": [
        "userid",
        "pin"
      ],
      "type": "object",
      "properties": {
        "userid": {
          "type": "string",
          "example": "cust0815",
          "description": "Encrypted and Base64-encoded username of the user at the bank, e.g. used in his online banking.<br/>EBICS: The User-ID (Teilnehmer-ID) as provided by the bank must be transmitted."
        },
        "pin": {
          "type": "string",
          "example": "verySecret",
          "description": "Encrypted and Base64-encoded pin / password of the user at the bank, e.g. used in his online banking.<br/>EBICS: A pin must not be transmitted."
        },
        "partnerid": {
          "type": "string",
          "example": "PID0001",
          "description": "Encrypted and Base64-encoded partner id (Kunden-ID) only required for EBICS."
        },
        "corporateid": {
          "type": "string",
          "example": 123456,
          "description": "Encrypted and Base64-encoded corporate id required by some banks for business accounts."
        }
      },
      "example": {
        "userid": "mOd2uKYr+2 ... TWOPCAt5zP",
        "pin": "Hhnc+aW/eM ... 7F+XRSHasW"
      }
    },
    "product": {
      "type": "string",
      "description": "Product to initiate the payment from"
    }
  }
}

Properties

Name	Type	Required	Restrictions	Description
provider	string(uuid)	true	none	Provider to initiate the payment from
credentials	Credentials	false	none	The Credentials object is a map of encrypted and Base64-encoded access data, corresponding to the provider's authentication fields. The Base64 encoding must not use line wrapping. The encryption method used is described in the chapter Encryption. The Credentials object is not required for REG/Protect tenants only.
product	string	true	none	Product to initiate the payment from

Consent

{
  "type": "object",
  "properties": {
    "messages": {
      "type": "array",
      "items": {
        "title": "Message",
        "required": [
          "level",
          "code",
          "message"
        ],
        "type": "object",
        "properties": {
          "level": {
            "type": "string",
            "description": "Level of the message, INFO or ERROR",
            "enum": [
              "INFO",
              "ERROR"
            ]
          },
          "code": {
            "title": "MessageCode",
            "type": "string",
            "description": "Code of the message<br/><br/>Message Codes: <li>`BA999` - Internal error (ERROR)</li> <li>`BA1000` - Maintenance work provider (ERROR)</li> <li>`BA1001` - Provider no longer active (ERROR)</li> <li>`BA1010` - Access blocked (ERROR)</li> <li>`BA1011` - Access data incorrect (ERROR)</li> <li>`BA1012` - Access data incomplete (ERROR)</li> <li>`BA1013` - Account not activated (ERROR)</li> <li>`BA1014` - Too many unsuccessful logins (ERROR)</li> <li>`BA1020` - Account has improper permissions (ERROR)</li> <li>`BA1051` - Bank access unavailable (ERROR)</li> <li>`BA1052` - Bank access not fully available (ERROR)</li> <li>`BA1053` - Access exceeded (ERROR)</li> <li>`BA1060` - Product could not be updated (ERROR)</li> <li>`BA1062` - Transactions could not be updated (ERROR)</li> <li>`BA1063` - Depot positions could not be updated (ERROR)</li> <li>`BA1064` - Message from bank (ERROR)</li> <li>`BA1100` - Transfer data invalid (ERROR)</li> <li>`BA1101` - Invalid TAN procedure (ERROR)</li> <li>`BA1102` - Invalid TAN medium (ERROR)</li> <li>`BA1103` - TAN invalid (ERROR)</li> <li>`BA1104` - Bank transfer not possible (ERROR)</li> <li>`BA1110` - TAN input required (INFO)</li> <li>`BA1111` - The transfer has been completed successfully (INFO)</li> <li>`BA1112` - The transfer has been submitted successfully (INFO)</li> <li>`BA1200` - Debit data invalid (ERROR)</li> <li>`BA1204` - Debit not supported (ERROR)</li> <li>`BA1212` - The debit has been submitted successfully (INFO)</li> <li>`BA2002` - There are notifications from your bank (INFO)</li> <li>`BA2003` - Product type not supported (INFO)</li> <li>`BA2004` - Bank access not activated yet (INFO)</li> <li>`BA2021` - Missing permission (INFO)</li> <li>`BA2062` - Transactions not available (INFO)</li> <li>`BA3000` - SCA required (INFO)</li> <li>`BA3005` - SCA redirect required (INFO)</li> <li>`BA3010` - Select SCA method (INFO)</li> <li>`BA3020` - Select SCA medium (INFO)</li> <li>`BA3030` - SCA Challenge (INFO)</li> <li>`BA3040` - SCA failed (ERROR)</li> <li>`BA3060` - No supported SCA method found (ERROR)</li>",
            "enum": [
              "BA999",
              "BA1000",
              "BA1001",
              "BA1010",
              "BA1011",
              "BA1012",
              "BA1013",
              "BA1014",
              "BA1020",
              "BA1051",
              "BA1052",
              "BA1053",
              "BA1060",
              "BA1062",
              "BA1063",
              "BA1064",
              "BA1100",
              "BA1101",
              "BA1102",
              "BA1103",
              "BA1104",
              "BA1110",
              "BA1111",
              "BA1112",
              "BA1200",
              "BA1204",
              "BA1212",
              "BA2002",
              "BA2003",
              "BA2004",
              "BA2021",
              "BA2062",
              "BA3000",
              "BA3005",
              "BA3010",
              "BA3020",
              "BA3030",
              "BA3040",
              "BA3060"
            ],
            "example": "BA999"
          },
          "message": {
            "type": "string",
            "description": "**Error** text for display by the end customer according to **errors and messages**"
          },
          "details": {
            "type": "string",
            "description": "Further information on the display at the end customer, which can change from message to message."
          }
        },
        "example": [
          {
            "level": "INFO",
            "code": "BA3010",
            "message": "SCA benötigt",
            "details": "Bitte wählen Sie eine SCA-Methode aus"
          }
        ],
        "description": "Messages transport both errors and analysis events."
      },
      "description": "Messages transport both errors and analysis events."
    },
    "scaMethods": {
      "type": "array",
      "items": {
        "title": "SecurityProcedureEn",
        "description": "The security procedure determines how end users authenticate their transaction(s).",
        "type": "object",
        "properties": {
          "code": {
            "type": "integer",
            "description": "Key to the security procedure"
          },
          "name": {
            "type": "string",
            "description": "Human readable name for the security procedure"
          },
          "hint": {
            "type": "string",
            "description": "Human readable reference to the security procedure"
          }
        },
        "example": {
          "code": 4711,
          "name": "mTAN",
          "hint": "Ihre mTAN"
        }
      },
      "description": "List of possible sca methods for this account."
    },
    "scaMediums": {
      "type": "array",
      "items": {
        "title": "TanMediumEn",
        "description": "This object describes a TAN medium.",
        "type": "object",
        "properties": {
          "name": {
            "type": "string",
            "description": "Name of the TAN medium such as \"Mobile\""
          },
          "mediaClass": {
            "description": "Media classes: <li>`LIST` - Paper-TAN list</li> <li>`GENERATOR` - TAN generator</li> <li>`MOBILE` - mobile phone</li> <li>`SECODER` - TAN matrix generator</li> <li>`PUSHTAN` - Push message</li> <li>`ALL` - All classes</li> <li>`PROPRIETARY` - Proprietary media class</li>",
            "type": "string",
            "enum": [
              "LIST",
              "GENERATOR",
              "MOBILE",
              "SECODER",
              "PUSHTAN",
              "ALL",
              "PROPRIETARY"
            ]
          },
          "validFrom": {
            "type": "string",
            "format": "YYYY-MM-DD hh:mm:ss",
            "description": "Date and time from which the TAN medium is valid."
          },
          "validTo": {
            "type": "string",
            "format": "YYYY-MM-DD hh:mm:ss",
            "description": "Date and time until which the TAN medium is valid."
          }
        },
        "example": {
          "validFrom": "2016-01-01 00:00:00",
          "validTo": "2016-12-31 23:59:59",
          "name": "+49-1111-11111",
          "mediaClass": "MOBILE"
        }
      },
      "description": "List of possible sca mediums for this account."
    },
    "challenge": {
      "title": "Challenge",
      "required": [
        "name",
        "content"
      ],
      "description": "Contains information about TAN generation",
      "type": "object",
      "properties": {
        "name": {
          "type": "string",
          "description": "Name of the TAN procedure"
        },
        "content": {
          "title": "ChallengeContent",
          "type": "object",
          "properties": {
            "instructions": {
              "type": "string",
              "description": "Textual description on how to perform authentication",
              "example": "Nutzen sie Ihren TAN-Generator und geben sie anschließend Ihre TAN ein."
            },
            "HHD": {
              "type": "string",
              "description": "Textual representation of flicker code when using optical ChipTAN",
              "example": "11048714955205123456789F14302C303107"
            },
            "HHDUC": {
              "type": "string",
              "description": "Textual representation of code when using FlickerTAN",
              "example": "1234567891234567891234567890,01"
            },
            "photo": {
              "type": "string",
              "description": "Base64-encoded png of the mosaic photo to be displayed to the user when using PhotoTAN",
              "example": "data:image/png;base64,iVBORw0KGgoAAA..."
            },
            "PDF": {
              "type": "string",
              "description": "Base64-encoded PDF needed for the challenge",
              "example": "data:application/pdf;base64,JVBERi0xLjQNCj..."
            }
          },
          "description": "Challenge data needed to perform the authentication with the chosen authentication method",
          "example": {
            "instructions": "Nutzen sie Ihren TAN-Generator und geben sie anschließend Ihre TAN ein.",
            "HHD": "11048714955205123456789F14302C303107",
            "HHDUC": "1234567891234567891234567890,01"
          }
        },
        "decoupled": {
          "type": "boolean",
          "description": "Indicates whether the SCA approach is decoupled, thus not expecting `scaAuthenticationData` within [Submit SCA Data](#/components/schemas/SubmitScaData), but just an empty object to confirm the user indicated that he meanwhile confirmed the activity, e.g. through the bank app, independently."
        },
        "redirect": {
          "type": "boolean",
          "description": "Indicates whether the SCA approach is redirect."
        }
      },
      "example": {
        "challenge": {
          "name": "chipTAN optisch",
          "content": {
            "instructions": "Nutzen sie Ihren TAN-Generator und geben sie anschließend Ihre TAN ein.",
            "HHD": "11048714955205123456789F14302C303107",
            "HHDUC": "1234567891234567891234567890,01"
          },
          "decoupled": false,
          "redirect": false
        }
      }
    },
    "relations": {
      "type": "array",
      "items": {
        "title": "Relation",
        "description": "A relation corresponds to an application or business transaction that is supported by the enclosing data object. Each application or business transaction has its own documentation, which describes the call as well as the return or the possible alternative answer scenarios in detail.",
        "required": [
          "rel",
          "href"
        ],
        "type": "object",
        "properties": {
          "rel": {
            "type": "string",
            "description": "Machine readable string to differentiate the relations",
            "example": "self"
          },
          "href": {
            "type": "string",
            "description": "URL where the relation links to",
            "example": "https://banksapi.io:443/providers/v2/00000000-0000-0000-0000-000000000000"
          }
        },
        "example": {
          "rel": "self",
          "href": "https://banksapi.io:443/providers/v2/00000000-0000-0000-0000-000000000000"
        }
      },
      "description": "The relations available for the payment"
    }
  }
}

Properties

Name	Type	Required	Restrictions	Description
messages	[Message]	false	none	Messages transport both errors and analysis events.
scaMethods	[SecurityProcedureEn]	false	none	List of possible sca methods for this account.
scaMediums	[TanMediumEn]	false	none	List of possible sca mediums for this account.
challenge	Challenge	false	none	Contains information about TAN generation
relations	[Relation]	false	none	The relations available for the payment

Product

{
  "id": "DE00123456789012345679",
  "status": "VOLLSTAENDIG",
  "bezeichnung": "Tagesgeldkonto",
  "kategorie": "TAGESGELDKONTO",
  "saldo": 27365.56,
  "aktualisierungszeitpunkt": "2021-10-15 09:13:44",
  "saldoDatum": "2021-10-15 00:00:00",
  "waehrung": "EUR",
  "kontonummer": "9012345679",
  "iban": "DE00123456789012345679",
  "bic": "XXX12345678",
  "blz": "12345678",
  "kreditinstitut": "Demo Provider",
  "inhaber": "Fritz Testmüller",
  "transferSupport": true,
  "relations": [
    {
      "rel": "get_kontoumsaetze",
      "href": "https://banksapi.io/customer/v2/bankzugaenge/0b7f4783-4c93-4820-8e73-354a0f1c469e/DE00123456789012345679/kontoumsaetze"
    },
    {
      "rel": "initiate_single_transfer",
      "href": "https://banksapi.io/customer/v2/payment/single-transfer"
    },
    {
      "rel": "initiate_bulk_transfer",
      "href": "https://banksapi.io/customer/v2/payment/bulk-transfer"
    }
  ],
  "messages": [],
  "verfuegungsrahmen": 27365.56,
  "verfuegterBetrag": 0
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	SimpleProduct	false	none	Banking product (e.g. account) with only a subset available product data

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	Banking product with all available fields. A simpler version of this object is
» status	string	false	none	Retrieval status for product data
» aktualisierungszeitpunkt	string(YYYY-MM-DD hh:mm:ss)	true	none	Time of the last product update at the bank/service provider
» transferSupport	boolean	false	none	Indicates if transfers are supported for this bank product or not.
» bulkTransferSupport	boolean	false	none	Indicates if bulk transfers are supported for this bank product or not.
» relations	[Relation]	true	none	List of relations that are available as next steps.
» messages	[Message]	false	none	List of messages that show which steps are required to continue further.
» saldoDatenquelle	string	false	none	The source of the data for this depots balance. Only for products of type depot.
» ueberziehungslimit	number	false	none	The overdraft limit for a bank account. Only for products that have an overdraft limit.
» verfuegungsrahmen	number	false	none	Contains the available balance (usually overdraft limit + balance)
» verfuegterBetrag	number	false	none	Contains the available balance (usually overdraft limit + balance)
» vertragsnummer	string	false	none	The contract number for home savings contracts.
» rating	number	false	none	none
» vertragssumme	number	false	none	The contract amount for home savings contracts.
» vertragstyp	string	false	none	The type of home savings contract.
» sparzustand	boolean	false	none	Shows if the home savings contract is currently in saving state (true) or not (false)
» vertragsstatus	string	false	none	The current state of a home savings contract.
» sparzinssatz	number	false	none	The savings rate of a home savings contract.
» schuldzinssatz	number	false	none	The debt interest rate of a home savings contract.
» vertragsDatum	string(YYYY-MM-DD hh:mm:ss)	false	none	The date of a home savings contract.

Enumerated Values

Property	Value
saldoDatenquelle	SWIFTMSG
saldoDatenquelle	SONSTIGE

ProductCategories

[
  "GIROKONTO",
  "TAGESGELDKONTO"
]

ProductCategories

Properties

Name	Type	Required	Restrictions	Description
ProductCategories	[ProductCategory]	false	none	A list of product categories

ProductCategory

"GIROKONTO"

ProductCategory

Properties

Name	Type	Required	Restrictions	Description
ProductCategory	string	false	none	Categories: `GIROKONTO` - Checking account: Account for payment transactions, as well as for the settlement / processing of eg deposit-related bookings, fees, interest, etc. `SPARKONTO` - Savings account: Interest-bearing account with an unlimited term and fixed period of notice, as a rule an immediate withdrawal is limited to a maximum value `FESTGELDKONTO` - Fixed deposit account: Interest-bearing account with a contractually agreed term `KREDITKONTO` - Credit account: Account for managing the loan balance `TAGESGELDKONTO` - Overnight money account: Interest-based account for an investment with daily availability `BAUSPARVERTRAG` - Building loan account: Savings and possibly loan account for a home savings contract `SONSTIGESKONTO` - Account that can not be assigned by the provider or our product heuristic `KREDITKARTE` - Credit card: Payment card with credit line, billing takes place via an agreed current account / clearing account `KREDITKARTENKONTO` - Credit card acount: `SONSTIGEKARTE` - Other card: Payment card that can not be assigned by the provider or our product heuristic `DEPOT` - Brokerage account `SONSTIGESPRODUKT` - Bank product that can not be assigned by the provider or our product heuristic

Enumerated Values

Property	Value
ProductCategory	GIROKONTO
ProductCategory	SPARKONTO
ProductCategory	FESTGELDKONTO
ProductCategory	KREDITKONTO
ProductCategory	TAGESGELDKONTO
ProductCategory	BAUSPARVERTRAG
ProductCategory	SONSTIGESKONTO
ProductCategory	KREDITKARTE
ProductCategory	KREDITKARTENKONTO
ProductCategory	SONSTIGEKARTE
ProductCategory	DEPOT
ProductCategory	SONSTIGESPRODUKT

Provider

{
  "id": "00000000-0000-0000-0000-000000000000",
  "name": "Demo Provider",
  "group": "demo",
  "blz": "12345678",
  "bic": "DEMO1234",
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/providers/v2/00000000-0000-0000-0000-000000000000"
    },
    {
      "rel": "logo",
      "href": "https://banksapi.io/providers/v2/demo.svg"
    }
  ],
  "capabilities": [
    "KONTEN",
    "KARTEN",
    "DEPOTS"
  ],
  "channels": [
    [
      "GIROKONTO"
    ],
    [
      "KREDITKARTE",
      "TAGESGELDKONTO"
    ]
  ],
  "authenticationInfo": {
    "loginHint": "Der Demo Provider bietet drei Zugänge demo1/demo1, demo2/demo2 und demo3/demo3",
    "fields": [
      {
        "fieldkey": "userid",
        "label": "Demo-User",
        "secret": false,
        "hint": "demo1, demo2 oder demo3",
        "format": "^.{1,50}$"
      },
      {
        "fieldkey": "pin",
        "label": "Demo-Passwort",
        "secret": true,
        "hint": "demo1, demo2 oder demo3",
        "format": "^.{1,50}$"
      }
    ]
  }
}

Provider

Properties

Name	Type	Required	Restrictions	Description
id	string	true	none	Unique key for this provider in BANKSapi Banks/Connect
name	string	true	none	Name for the provider, not unique
consumerRelevant	boolean	true	none	Whether this provider should be displayed to the customer for the provider selection or not
group	string	false	none	Grouping term for providers. If several providers have the same group the same logo could be displayed, e.g.
blz	string	false	none	The bank code of the bank was the primary key for banks in Germany before SEPA
bic	string	false	none	The BIC (Business Identifier Code) of the bank
relations	[Relation]	true	none	Relations indicate which operation the provider resource supports
capabilities	[string]	true	none	Shows which technical objects with the Provider on the BANKS/Connect Customer API are available
channels	[ProductCategories]	false	none	Shows which product categories are queried by BANKSapi to the bank through which channel. Items in the same array are queried through the same channel, e.g. FinTS. If you are requesting products that are listed in the same array (going through the same channel), you might save on a number of SCA processes, because there will be at least one SCA per channel at least every 180 days.
authenticationInfo	AuthenticationInfo	true	none	The AuthenticationInfo object provides detailed information about the sign-in process to the provider. With the included data, it is possible to optimize the user experience of the own application in the provider system, which on the one hand reduce the nerve factor for the user but can also minimize their own support expenses due to login problems.

ProviderCoreData

[
  {
    "id": "00000000-0000-0000-0000-000000000000",
    "name": "Demo Provider",
    "group": "demo",
    "blz": "12345678",
    "bic": "DEMO1234",
    "logo": "https://banksapi.io/providers/v2/demo.svg"
  }
]

ProviderCoreData

Properties

Name	Type	Required	Restrictions	Description
id	string	true	none	Unique key for this provider in BANKSapi Banks/Connect
name	string	true	none	Name for the provider, not unique
group	string	false	none	Grouping term for providers. If several providers have the same group the same logo could be displayed, e.g.
blz	string	false	none	The bank code of the bank was the primary key for banks in Germany before SEPA
bic	string	false	none	The BIC (Business Identifier Code) of the bank
logo	string	false	none	Returns the path to the provider logo in SVG-format

ProviderJobStatistics

[
  {
    "logo": "demo",
    "latestSuccessDate": "2023-09-20 11:21:02",
    "averageDuration": 29962,
    "successRate": 1
  },
  {
    "logo": "sparkasse",
    "latestSuccessDate": "2023-09-20 11:28:57",
    "averageDuration": 54186,
    "successRate": 0.99
  }
]

ProviderJobStatistics

Properties

Name	Type	Required	Restrictions	Description
logo	string	true	none	Logo of the provider.
latestSuccessDate	string(YYYY-MM-DD hh:mm:ss)	true	none	Date of the latest successful data job for providers with the corresponding logo.
averageDuration	number	true	none	The average duration of data jobs in ms for providers with the corresponding logo.
successRate	number	true	none	The success rate of data jobs for providers with the corresponding logo.

ProviderEbicsInfo

{
  "hostId": "HOSTIDXY",
  "hostUrl": "https://ebics.bank.com/ebics"
}

ProviderEbicsInfo

Properties

Name	Type	Required	Restrictions	Description
hostId	string	false	none	The EBICS host ID of the bank
hostUrl	string	false	none	The EBICS host URL of the bank

CheckInstantPaymentSupport

{
  "type": "object",
  "properties": {
    "recipientIbans": {
      "type": "array",
      "description": "The recipient's IBANs. If not provided, it will only be determined if the provider supports sending instant payments.",
      "items": {
        "type": "string"
      },
      "example": [
        "DE92123456789876543210"
      ]
    },
    "transferType": {
      "type": "string",
      "description": "The type of transfer. This type is required if `recipientIbans` is not provided.",
      "enum": [
        "SINGLE",
        "BULK"
      ],
      "example": "SINGLE"
    }
  }
}

Properties

Name	Type	Required	Restrictions	Description
recipientIbans	[string]	false	none	The recipient's IBANs. If not provided, it will only be determined if the provider supports sending instant payments.
transferType	string	false	none	The type of transfer. This type is required if `recipientIbans` is not provided.

Enumerated Values

Property	Value
transferType	SINGLE
transferType	BULK

InstantPaymentSupportResult

{
  "type": "object",
  "required": [
    "senderProviderId",
    "transferType",
    "instantPaymentSupported"
  ],
  "properties": {
    "senderProviderId": {
      "type": "string",
      "description": "The ID of the provider sending the instant payment.",
      "example": "00000000-0000-0000-0000-000000000000"
    },
    "recipientIbans": {
      "type": "array",
      "description": "The IBANs of the recipients.",
      "items": {
        "type": "string"
      },
      "example": [
        "DE92123456789876543210"
      ]
    },
    "transferType": {
      "type": "string",
      "description": "The type of transfer.",
      "enum": [
        "SINGLE",
        "BULK"
      ],
      "example": "SINGLE"
    },
    "instantPaymentSupported": {
      "type": "boolean",
      "description": "Indicates if instant payment is supported.",
      "example": true
    }
  }
}

Properties

Name	Type	Required	Restrictions	Description
senderProviderId	string	true	none	The ID of the provider sending the instant payment.
recipientIbans	[string]	false	none	The IBANs of the recipients.
transferType	string	true	none	The type of transfer.
instantPaymentSupported	boolean	true	none	Indicates if instant payment is supported.

Enumerated Values

Property	Value
transferType	SINGLE
transferType	BULK

Relation

{
  "rel": "self",
  "href": "https://banksapi.io:443/providers/v2/00000000-0000-0000-0000-000000000000"
}

Relation

Properties

Name	Type	Required	Restrictions	Description
rel	string	true	none	Machine readable string to differentiate the relations
href	string	true	none	URL where the relation links to

RelationSchema

{
  "properties": {
    "href": {
      "description": "Link of the relation",
      "example": "https://banksapi.io/.../tags/tag-trees/1/",
      "type": "string"
    },
    "rel": {
      "description": "Name of the relation",
      "example": "tag_trees",
      "type": "string"
    }
  },
  "required": [
    "href",
    "rel"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
href	string	true	none	Link of the relation
rel	string	true	none	Name of the relation

ScaInteraction

{
  "tanMedien": [
    {
      "gueltigVon": "2016-06-03 17:17:41",
      "gueltigBis": "2016-06-03 17:17:41",
      "name": "Mobil",
      "medienklasse": "MOBIL"
    }
  ],
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA benötigt",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "relations": [
    {
      "rel": "set_method",
      "href": "https://banksapi.io/v2/customer/consent/1345340218050910215PSDDE-BAFIN-152070CO4960JJ"
    }
  ]
}

ScaInteraction

Properties

Name	Type	Required	Restrictions	Description
messages	[Message]	true	none	Messages transport both errors and analysis events.
relations	[Relation]	true	none	The relations available for bank access
tanMedien	[TanMedium]	false	none	List of available TAN media in the access

SecurityProcedure

{
  "kodierung": 4711,
  "name": "mTAN",
  "hinweis": "Ihre mTAN"
}

SecurityProcedure

Properties

Name	Type	Required	Restrictions	Description
kodierung	integer	false	none	Key to the security procedure
name	string	false	none	Human readable name for the security procedure
hinweis	string	false	none	Human readable reference to the security procedure

SecurityProcedureEn

{
  "code": 4711,
  "name": "mTAN",
  "hint": "Ihre mTAN"
}

SecurityProcedureEn

Properties

Name	Type	Required	Restrictions	Description
code	integer	false	none	Key to the security procedure
name	string	false	none	Human readable name for the security procedure
hint	string	false	none	Human readable reference to the security procedure

SecurityProcedures

{
  "kodierung": 980,
  "name": "mTAN",
  "hinweis": "mTAN"
}

SecurityProcedures

Properties

Name	Type	Required	Restrictions	Description
kodierung	integer(int32)	true	none	Code of the SCA method
name	string	true	none	Human-readable name of the SCA method
hinweis	string	true	none	Additional helpful hint that must be displayed to the user

SimpleProduct

{
  "id": "DE89370400440532013000",
  "status": "VOLLSTAENDIG",
  "bezeichnung": "Tagesgeldkonto",
  "kategorie": "TAGESGELDKONTO",
  "saldo": 27365.56,
  "aktualisierungszeitpunkt": "2021-10-15 09:13:44",
  "saldoDatum": "2021-10-15 00:00:00",
  "waehrung": "EUR",
  "kontonummer": "9012345679",
  "iban": "DE89370400440532013000",
  "bic": "XXX12345678",
  "blz": "12345678",
  "kreditinstitut": "Demo Provider",
  "inhaber": "Fritz Testmüller"
}

Simple Product

Properties

Name	Type	Required	Restrictions	Description
id	string	true	none	Identifier for the bank product
bezeichnung	string	false	none	Name of bank product according to bank/service provider
kategorie	string	false	none	Categories: `GIROKONTO` - Checking account: Account for payment transactions, as well as for the settlement / processing of eg deposit-related bookings, fees, interest, etc. `SPARKONTO` - Savings account: Interest-bearing account with an unlimited term and fixed period of notice, as a rule an immediate withdrawal is limited to a maximum value `FESTGELDKONTO` - Fixed deposit account: Interest-bearing account with a contractually agreed term `KREDITKONTO` - Credit account: Account for managing the loan balance `TAGESGELDKONTO` - Overnight money account: Interest-based account for an investment with daily availability `BAUSPARVERTRAG` - Building loan account: Savings and possibly loan account for a home savings contract `SONSTIGESKONTO` - Account that can not be assigned by the provider or our product heuristic `KREDITKARTE` - Credit card: Payment card with credit line, billing takes place via an agreed current account / clearing account `SONSTIGEKARTE` - Other card: Payment card that can not be assigned by the provider or our product heuristic `DEPOT` - Brokerage account `SONSTIGESPRODUKT` - Bank product that can not be assigned by the provider or our product heuristic
saldo	number	false	none	Balance/value of bank product (with two decimal places)
saldoDatum	string(YYYY-MM-DD hh:mm:ss)	false	none	Balance/value date as reported by the bank/service provider
waehrung	string	false	none	Currency in which the bank product is valued/managed (Alphabetic Code ISO 4217)
salden	object	false	none	A map where the key is the currency and the value is a Balance object. This field is only returned for multicurrency accounts.
» additionalProperties	Balance	false	none	none
kontonummer	string	true	none	The account or credit card number. The credit card number may not be issued completely, but with a star e.g. "3223 ****** 4554"
iban	string	false	none	The IBAN (International Bank Account Number)
bic	string	false	none	The BIC (Business Identifier Code)
blz	string	false	none	The (state local) bank code
kreditinstitut	string	false	none	Name of financial institution
inhaber	string	false	none	Full name of account holder

Enumerated Values

Property	Value
kategorie	GIROKONTO
kategorie	SPARKONTO
kategorie	FESTGELDKONTO
kategorie	KREDITKONTO
kategorie	TAGESGELDKONTO
kategorie	BAUSPARVERTRAG
kategorie	VERSICHERUNG
kategorie	SONSTIGESKONTO
kategorie	AMERICANEXPRESS
kategorie	MASTERCARD
kategorie	VISA
kategorie	DINERSCLUB
kategorie	SONSTIGEKARTE
kategorie	DEPOT
kategorie	KREDITKARTENKONTO

SingleDebitData

{
  "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
  "credentials": {
    "userid": "mXlkGe+ukAEs+2iH ... D/MOfGsd8HY=",
    "pin": "XO2jgZ ... 5GfhKpZmw="
  },
  "product": "DE89370400440532013000",
  "business": false,
  "sequenceType": "OOFF",
  "creditorSchemeIdentification": "GlauebigerId",
  "requestedCollectionDate": "2022-02-22",
  "debitDetails": {
    "amount": 1337.42,
    "currency": "EUR",
    "purpose": "Verwendungszweck",
    "endToEndId": "123",
    "debtorName": "Max Mustermann",
    "debtorIban": "DE62430609671149278400",
    "debtorAccountNumber": "1149278400",
    "debtorBankCode": "43060967",
    "debtorBic": "GENODEM1GLS",
    "mandateIdentification": "MandatsId",
    "mandateDateOfSignature": "2022-02-02"
  }
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	PaymentInitializationDetails	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	DebitBaseInfo	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	Request data to start a debit
» debitDetails	DebitDetails	true	none	none

SingleDebitDataBankAccess

{
  "allOf": [
    {
      "required": [
        "creditorSchemeIdentification",
        "requestedCollectionDate"
      ],
      "type": "object",
      "properties": {
        "business": {
          "type": "boolean",
          "description": "Indicates whether the debit should be submitted for business or private customers.<br/><br/> It is recommended to assign this field together with `sequenceType` on the top layer (here) and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time."
        },
        "sequenceType": {
          "title": "DebitSequenceType",
          "description": "Sequence type of the debit.<br/><br/> It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.<br/><br/> Sequence types: <li>`FRST` - first debit</li> <li>`RCUR` - recurrent debit</li> <li>`FNAL` - final debit</li> <li>`OOFF` - one-off debit</li>",
          "enum": [
            "FRST",
            "RCUR",
            "FNAL",
            "OOFF"
          ],
          "type": "string"
        },
        "creditorSchemeIdentification": {
          "type": "string",
          "description": "The scheme identification of the creditor."
        },
        "requestedCollectionDate": {
          "type": "string",
          "format": "YYYY-MM-DD",
          "description": "The requested collection date of the debit."
        }
      }
    },
    {
      "description": "Request data to start a single debit",
      "required": [
        "debitDetails"
      ],
      "title": "SingleDebitDataBankAccess",
      "type": "object",
      "properties": {
        "debitDetails": {
          "allOf": [
            {
              "title": "DebitDetails",
              "required": [
                "amount",
                "currency",
                "purpose",
                "endToEndId",
                "debtorName",
                "debtorIban",
                "mandateIdentification",
                "mandateDateOfSignature"
              ],
              "type": "object",
              "properties": {
                "amount": {
                  "type": "number",
                  "format": "double",
                  "description": "Debit amount"
                },
                "currency": {
                  "type": "string",
                  "description": "Currency of the debit"
                },
                "purpose": {
                  "type": "string",
                  "description": "Purpose of the debit."
                },
                "endToEndId": {
                  "type": "string",
                  "description": "End to End Identification of the debit."
                },
                "debtorName": {
                  "type": "string",
                  "description": "Name of the debtor."
                },
                "debtorIban": {
                  "type": "string",
                  "description": "IBAN of the debtor."
                },
                "debtorAccountNumber": {
                  "type": "string",
                  "description": "Account number of the debtor."
                },
                "debtorBankCode": {
                  "type": "string",
                  "description": "Bank code of the debtor."
                },
                "debtorBic": {
                  "type": "string",
                  "description": "BIC of the debtor."
                },
                "mandateIdentification": {
                  "type": "string",
                  "description": "Identification of the mandate."
                },
                "mandateDateOfSignature": {
                  "type": "string",
                  "format": "YYYY-MM-DD",
                  "description": "The signature date of the mandate."
                },
                "business": {
                  "type": "boolean",
                  "description": "Indicates whether the debit should be submitted for business or private customers.<br/><br/> The mixing of true / false is not allowed in the same request.<br/><br/> It is recommended to assign this field together with `sequenceType` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time."
                },
                "sequenceType": {
                  "title": "DebitSequenceType",
                  "description": "Sequence type of the debit.<br/><br/> It is recommended to assign this field together with `business` on the top layer and not in debitDetails. Moreover, it is not allowed to assign these fields on both levels at the same time.<br/><br/> Sequence types: <li>`FRST` - first debit</li> <li>`RCUR` - recurrent debit</li> <li>`FNAL` - final debit</li> <li>`OOFF` - one-off debit</li>",
                  "enum": [
                    "FRST",
                    "RCUR",
                    "FNAL",
                    "OOFF"
                  ],
                  "type": "string"
                }
              },
              "description": "DebitDetails are used in InitiateSingleDebit and InitiateBulkDebit"
            }
          ]
        }
      }
    }
  ]
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	DebitBaseInfo	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	Request data to start a single debit
» debitDetails	DebitDetails	true	none	none

SingleDebitResult

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/single-debit/07788639-abd7-4009-9c9d-2d79079f3f26"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/payment/single-debit/07788639-abd7-4009-9c9d-2d79079f3f26/consent"
    }
  ],
  "debit": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "business": false,
    "sequenceType": "OOFF",
    "creditorSchemeIdentification": "GlauebigerId",
    "requestedCollectionDate": "2022-02-22",
    "debitDetails": {
      "amount": 1337.42,
      "currency": "EUR",
      "purpose": "Verwendungszweck",
      "endToEndId": "123",
      "debtorName": "Max Mustermann",
      "debtorIban": "DE62430609671149278400",
      "debtorAccountNumber": "1149278400",
      "debtorBankCode": "43060967",
      "debtorBic": "GENODEM1GLS",
      "mandateIdentification": "MandatsId",
      "mandateDateOfSignature": "2022-02-02"
    }
  }
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	Consent	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	Current status of debit
» debit	any	true	none	none

allOf

Name	Type	Required	Restrictions	Description
»» anonymous	DebitBaseInfo	false	none	none

and

Name	Type	Required	Restrictions	Description
»» anonymous	object	false	none	none
»»» provider	string(uuid)	true	none	none
»»» product	string	true	none	none
»»» paymentId	string(uuid)	true	none	Unique id generated for each payment.
»»» ebics	boolean	true	none	Whether this debit was submitted via EBICS or not.
»»» debitDetails	DebitDetails	true	none	none

SingleTransferData

{
  "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
  "credentials": {
    "userid": "mXlkGe+ukAEs+2iH ... D/MOfGsd8HY=",
    "pin": "XO2jgZ ... 5GfhKpZmw="
  },
  "product": "DE89370400440532013000",
  "instant": false,
  "requestedExecutionDate": "2024-09-19",
  "transferDetails": {
    "recipient": "netzpolitik.org e. V.",
    "purpose": "Spende netzpolitik.de",
    "iban": "DE62430609671149278400",
    "bic": "GENODEM1GLS",
    "currency": "EUR",
    "amount": 1337.42,
    "endToEndId": "be7649876d5f439886fa816993ac9f9f"
  }
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	PaymentInitializationDetails	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	BasicSingleTransferData	false	none	none

SingleTransferResult

{
  "messages": [
    {
      "level": "INFO",
      "code": "BA3010",
      "message": "SCA Methode auswählen",
      "details": "Bitte wählen Sie eine SCA-Methode aus"
    }
  ],
  "scaMethods": [
    {
      "code": 2,
      "name": "mTAN",
      "hint": "mTAN"
    },
    {
      "code": 1,
      "name": "Mock-TAN",
      "hint": "Mock-TAN"
    }
  ],
  "relations": [
    {
      "rel": "self",
      "href": "https://banksapi.io/customer/v2/payment/single-transfer/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7"
    },
    {
      "rel": "set_method",
      "href": "https://banksapi.io/customer/v2/payment/single-transfer/3e97fa51-ce7b-42a0-9101-50fd67dbc3e7/consent"
    }
  ],
  "transfer": {
    "provider": "ca650b48-3edc-45f4-938d-d21df8cba761",
    "product": "DE89370400440532013000",
    "paymentId": "df5afff2-43e7-4fca-95fa-0d06251c9ce9",
    "ebics": false,
    "instant": false,
    "requestedExecutionDate": "2024-09-19",
    "transferDetails": {
      "recipient": "netzpolitik.org e. V.",
      "purpose": "Spende netzpolitik.de",
      "iban": "DE62430609671149278400",
      "bic": "GENODEM1GLS",
      "currency": "EUR",
      "amount": 1337.42,
      "endToEndId": "be7649876d5f439886fa816993ac9f9f"
    }
  }
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	Consent	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	Current status of transfer
» transfer	object	true	none	none
»» provider	string(uuid)	true	none	none
»» product	string	true	none	none
»» paymentId	string(uuid)	true	none	Unique id generated for each payment.
»» ebics	boolean	true	none	Whether this transfer was submitted via EBICS or not.
»» instant	boolean	false	none	Whether this transfer was initiated as an instant payment or not.
»» requestedExecutionDate	string(YYYY-MM-DD)	false	none	The requested execution date of the transfer. Please note that transfers with execution date may not be supported depending on the bank.
»» transferDetails	TransferDetails	true	none	TransferDetails are used in InitiateSingleTransfer and InitiateBulkTransfer

SubmitScaData

{
  "chosenScaMethodId": "942"
}

SubmitScaData

Properties

Name	Type	Required	Restrictions	Description
chosenScaMethodId	string	false	none	Code of the SCA method
chosenScaMedia	string	false	none	Name of the SCA medium
scaAuthenticationData	string	false	none	none

SystemName

"BANKFINANCE"

SystemName

Properties

Name	Type	Required	Restrictions	Description
SystemName	string	false	none	Machine-readable name of the tag, for a list check e.g. the transaction categories

TagInstanceSchema

{
  "properties": {
    "entity": {
      "properties": {
        "displayName": {
          "description": "Display name of the entity",
          "example": "TRANSACTION",
          "type": "string"
        },
        "entityClass": {
          "description": "Class of the entity, such as TRANSACTION or USER",
          "example": "TRANSACTION",
          "type": "string"
        },
        "id": {
          "description": "Transaction UUID or USER UUID.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        },
        "userId": {
          "description": "UUID of the USER. Same as id field for USER entities.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        }
      },
      "required": [
        "displayName",
        "entityClass",
        "id"
      ],
      "type": "object"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "relations": {
      "description": "List of relations",
      "items": {
        "properties": {
          "href": {
            "description": "Link of the relation",
            "example": "https://banksapi.io/.../tags/tag-trees/1/",
            "type": "string"
          },
          "rel": {
            "description": "Name of the relation",
            "example": "tag_trees",
            "type": "string"
          }
        },
        "required": [
          "href",
          "rel"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "tagTreeItem": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "relations": {
          "description": "List of relations",
          "items": {
            "properties": {
              "href": {
                "description": "Link of the relation",
                "example": "https://banksapi.io/.../tags/tag-trees/1/",
                "type": "string"
              },
              "rel": {
                "description": "Name of the relation",
                "example": "tag_trees",
                "type": "string"
              }
            },
            "required": [
              "href",
              "rel"
            ],
            "type": "object"
          },
          "type": "array"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "example": {
                "description": "Two level categorization tree.",
                "displayName": "Kategorien",
                "isClientGenerated": false,
                "relations": [
                  {
                    "href": "https://banksapi.io/tags/v1/tag-trees/1/",
                    "rel": "self"
                  },
                  {
                    "href": "https://banksapi.io/tags/v1/tag-trees/",
                    "rel": "tag_trees"
                  },
                  {
                    "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/",
                    "rel": "tag_tree_items"
                  }
                ],
                "systemId": 1,
                "systemName": "CATEGORIES",
                "version": 3.7
              },
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "relations": {
                  "description": "List of relations",
                  "items": {
                    "properties": {
                      "href": {
                        "description": "Link of the relation",
                        "example": "https://banksapi.io/.../tags/tag-trees/1/",
                        "type": "string"
                      },
                      "rel": {
                        "description": "Name of the relation",
                        "example": "tag_trees",
                        "type": "string"
                      }
                    },
                    "required": [
                      "href",
                      "rel"
                    ],
                    "type": "object"
                  },
                  "type": "array"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "systemName"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to",
          "type": "object"
        }
      },
      "required": [
        "systemName",
        "tagTree"
      ],
      "type": "object"
    }
  },
  "required": [
    "entity",
    "id",
    "tagTreeItem"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
entity	EntitySchema	true	none	none
id	string	true	none	Unique Universal Identifier (UUID)
relations	[RelationSchema]	false	none	List of relations
tagTreeItem	TagTreeItemSchema	true	none	none

TagTreeItemSchema

{
  "properties": {
    "description": {
      "description": "Gives a description of the tagTreeItem",
      "example": "Expenses from daily grocery purchases",
      "type": "string"
    },
    "displayName": {
      "description": "User-friendly name shown to the end-users",
      "example": "Groceries",
      "type": "string"
    },
    "relations": {
      "description": "List of relations",
      "items": {
        "properties": {
          "href": {
            "description": "Link of the relation",
            "example": "https://banksapi.io/.../tags/tag-trees/1/",
            "type": "string"
          },
          "rel": {
            "description": "Name of the relation",
            "example": "tag_trees",
            "type": "string"
          }
        },
        "required": [
          "href",
          "rel"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "systemId": {
      "description": "Unique internal id of the tag tree item",
      "example": 17,
      "type": "integer"
    },
    "systemName": {
      "description": "Unique name of the tag tree item",
      "example": "LIVING_GROCERIES",
      "type": "string"
    },
    "systemNameParent": {
      "description": "Unique name of the parent of the tagTreeItem",
      "example": "LIVING",
      "type": "string"
    },
    "tagTree": {
      "allOf": [
        {
          "example": {
            "description": "Two level categorization tree.",
            "displayName": "Kategorien",
            "isClientGenerated": false,
            "relations": [
              {
                "href": "https://banksapi.io/tags/v1/tag-trees/1/",
                "rel": "self"
              },
              {
                "href": "https://banksapi.io/tags/v1/tag-trees/",
                "rel": "tag_trees"
              },
              {
                "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/",
                "rel": "tag_tree_items"
              }
            ],
            "systemId": 1,
            "systemName": "CATEGORIES",
            "version": 3.7
          },
          "properties": {
            "description": {
              "description": "Gives a description of the tag tree",
              "example": "Detailed inusrance categories.",
              "type": "string"
            },
            "displayName": {
              "description": "User-friendly name shown to the end-users",
              "example": "Kategorien",
              "type": "string"
            },
            "isTenantGenerated": {
              "description": "Boolean flag, set TRUE if the tag was manually set",
              "example": true,
              "type": "boolean"
            },
            "relations": {
              "description": "List of relations",
              "items": {
                "properties": {
                  "href": {
                    "description": "Link of the relation",
                    "example": "https://banksapi.io/.../tags/tag-trees/1/",
                    "type": "string"
                  },
                  "rel": {
                    "description": "Name of the relation",
                    "example": "tag_trees",
                    "type": "string"
                  }
                },
                "required": [
                  "href",
                  "rel"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "systemId": {
              "description": "Unique internal id of the tag tree",
              "example": 1,
              "type": "integer"
            },
            "systemName": {
              "description": "Unique name of the tag tree",
              "example": "CATEGORIES",
              "type": "string"
            },
            "version": {
              "description": "Version of the tag tree",
              "example": 1.5,
              "minimum": 0,
              "type": "number"
            }
          },
          "required": [
            "systemName"
          ],
          "type": "object"
        }
      ],
      "description": "tagTree that the tagTreeItem belongs to",
      "type": "object"
    }
  },
  "required": [
    "systemName",
    "tagTree"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
description	string	false	none	Gives a description of the tagTreeItem
displayName	string	false	none	User-friendly name shown to the end-users
relations	[RelationSchema]	false	none	List of relations
systemId	integer	false	none	Unique internal id of the tag tree item
systemName	string	true	none	Unique name of the tag tree item
systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
tagTree	BusinessPartnerTagTreeItemSchemaTagTree	true	none	tagTree that the tagTreeItem belongs to

TagTreeSchema

{
  "description": "Two level categorization tree.",
  "displayName": "Kategorien",
  "isClientGenerated": false,
  "relations": [
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/1/",
      "rel": "self"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/",
      "rel": "tag_trees"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/",
      "rel": "tag_tree_items"
    }
  ],
  "systemId": 1,
  "systemName": "CATEGORIES",
  "version": 3.7
}

Properties

Name	Type	Required	Restrictions	Description
description	string	false	none	Gives a description of the tag tree
displayName	string	false	none	User-friendly name shown to the end-users
isTenantGenerated	boolean	false	none	Boolean flag, set TRUE if the tag was manually set
relations	[RelationSchema]	false	none	List of relations
systemId	integer	false	none	Unique internal id of the tag tree
systemName	string	true	none	Unique name of the tag tree
version	number	false	none	Version of the tag tree

Tag

{
  "tagScope": "transaction",
  "tagId": "36d394ba-edef-4075-97e7-b19d1fae3702",
  "tagType": "CATEGORY",
  "tagVersion": "2.5",
  "systemName": "HOUSING_RENT",
  "displayName": "Miete/Wohngeld",
  "parent": "HOUSING"
}

Tag

Properties

Name	Type	Required	Restrictions	Description
tagScope	string	true	none	Object of tagging. User or Transaction
tagId	string(uuid)	true	none	Random unique id according to RFC4122 for identification
tagType	TagType	true	none	Type according to usage purpose
tagVersion	integer(int32)	true	none	BANKSapi version of the tag hierarchy.
systemName	SystemName	true	none	Machine-readable name of the tag, for a list check e.g. the transaction categories
displayName	string	true	none	User-friendly and human readable name of the category in German
parent	SystemName	true	none	Machine-readable name of the tag, for a list check e.g. the transaction categories

TagType

"CATEGORY"

TagType

Properties

Name	Type	Required	Restrictions	Description
TagType	string	false	none	Type according to usage purpose

Enumerated Values

Property	Value
TagType	null

TanMedium

{
  "gueltigVon": "2016-01-01 00:00:00",
  "gueltigBis": "2016-12-31 23:59:59",
  "name": "+49-1111-11111",
  "medienklasse": "MOBIL"
}

TanMedium

Properties

Name	Type	Required	Restrictions	Description
name	string	false	none	Name of the TAN medium such as "Mobile"
medienklasse	string	false	none	Media classes: `LISTE` - Paper-TAN list `GENERATOR` - TAN generator `MOBILE` - mobile phone `SECODER` - TAN matrix generator `PUSHTAN` - Push message `ALL` - All classes `PROPRIETARY` - Proprietary media class
gueltigVon	string(YYYY-MM-DD hh:mm:ss)	false	none	Date and time from which the TAN medium is valid.
gueltigBis	string(YYYY-MM-DD hh:mm:ss)	false	none	Date and time until which the TAN medium is valid.

Enumerated Values

Property	Value
medienklasse	LISTE
medienklasse	GENERATOR
medienklasse	MOBIL
medienklasse	SECODER
medienklasse	PUSHTAN
medienklasse	ALL
medienklasse	PROPRIETARY

TanMediumEn

{
  "validFrom": "2016-01-01 00:00:00",
  "validTo": "2016-12-31 23:59:59",
  "name": "+49-1111-11111",
  "mediaClass": "MOBILE"
}

TanMediumEn

Properties

Name	Type	Required	Restrictions	Description
name	string	false	none	Name of the TAN medium such as "Mobile"
mediaClass	string	false	none	Media classes: `LIST` - Paper-TAN list `GENERATOR` - TAN generator `MOBILE` - mobile phone `SECODER` - TAN matrix generator `PUSHTAN` - Push message `ALL` - All classes `PROPRIETARY` - Proprietary media class
validFrom	string(YYYY-MM-DD hh:mm:ss)	false	none	Date and time from which the TAN medium is valid.
validTo	string(YYYY-MM-DD hh:mm:ss)	false	none	Date and time until which the TAN medium is valid.

Enumerated Values

Property	Value
mediaClass	LIST
mediaClass	GENERATOR
mediaClass	MOBILE
mediaClass	SECODER
mediaClass	PUSHTAN
mediaClass	ALL
mediaClass	PROPRIETARY

Tenant

{
  "name": "demo",
  "description": "A tenant for demonstration purposes"
}

Tenant

Properties

Name	Type	Required	Restrictions	Description
name	string	true	none	Tenant technical name becomes URL component
description	string	false	none	Optional human readable description

Token

{
  "scope": "http://banksapi.io/provider/read http://banksapi.io/schedule/read http://banksapi.io/customer/read http://banksapi.io/customer/modify http://banksapi.io/customer/ueberweisung auth/tenants/users/create",
  "tenant": "demo",
  "client": "demo-client",
  "user": "CN=Some User,OU=Personal,DC=banksapi,DC=io",
  "additionalData": {
    "username": "someuser"
  },
  "validTo": "2021-10-16 10:46:47",
  "access_token": "be9e0b8e-8cff-45ff-8d95-f6bfa2eac7b9",
  "token_type": "Bearer"
}

Token

Properties

Name	Type	Required	Restrictions	Description
scope	string	true	none	Space-separated list of OAuth2 scopes. A scope names a class of access rules. It is a string, usually in the form of a (fictitious) URL. The available scopes depend on the scope of services booked. You therefore receive the scope list together with your cooperation agreement.
tenant	string	true	none	Technical name of the tenant
client	string	true	none	Technical name of the client
user	string	false	none	User reference, only set if this is a user token
additionalData	object	false	none	An optional list of additional data as a key-value map.
» additionalProperties	string	false	none	none
validTo	string(YYYY-MM-DD hh:mm:ss)	false	none	none
access_token	string(uuid)	true	none	The token
token_type	string	true	none	Always "Bearer"

Transaction

{
  "allOf": [
    {
      "title": "Transaction",
      "type": "object",
      "properties": {
        "id": {
          "type": "string",
          "description": "The unique id of this transaction.",
          "format": "uuid"
        },
        "hash": {
          "type": "string",
          "format": "uuid",
          "example": "ad90f946-7f6d-3ec8-a6f2-fdf74df5138c"
        }
      },
      "example": {
        "id": "ced1172c-0839-428a-af0d-8b87508f0981",
        "hash": "c478c333-910f-465c-8e7d-616d86a07c0e",
        "betrag": -70,
        "verwendungszweck": "EC 68096654 140215204106OC3 Ref. 5CC15048A1824480/89280",
        "buchungsdatum": "2016-11-17 00:00:00",
        "wertstellungsdatum": "2016-11-15 00:00:00",
        "gegenkontoInhaber": "La Sopia GmbH München",
        "gegenkontoIban": "DE00123456789012345679",
        "gegenkontoBic": "XXX12345678",
        "primanotaNummer": "421337"
      }
    },
    {
      "title": "Transaction Data",
      "required": [
        "betrag",
        "verwendungszweck",
        "buchungsdatum"
      ],
      "type": "object",
      "properties": {
        "betrag": {
          "type": "number",
          "description": "Amount with two decimal places.",
          "example": -64.55
        },
        "waehrung": {
          "type": "string",
          "description": "Currency of the transaction.",
          "example": "EUR"
        },
        "verwendungszweck": {
          "type": "string",
          "description": "The purpose of the transaction.",
          "example": "EC 68096654 140215204106OC3 Ref. 5CC15048A1824480/89280"
        },
        "buchungstext": {
          "type": "string",
          "description": "A text for the entry of the transaction"
        },
        "buchungsdatum": {
          "type": "string",
          "description": "The date of the entry of the transaction",
          "format": "YYYY-MM-DD hh:mm:ss",
          "example": "2016-05-23 13:37:00"
        },
        "wertstellungsdatum": {
          "type": "string",
          "description": "Date of booking",
          "format": "YYYY-MM-DD hh:mm:ss",
          "example": "2016-11-15 00:00:00"
        },
        "gegenkontoInhaber": {
          "type": "string",
          "description": "Owner of the counter account",
          "example": "La Sopia GmbH München"
        },
        "gegenkontoIban": {
          "type": "string",
          "description": "IBAN of the counter account",
          "example": "DE00123456789012345679"
        },
        "gegenkontoBic": {
          "type": "string",
          "description": "BIC of the counter account",
          "example": "XXX12345678"
        },
        "gegenkontoInhaberAbweichend": {
          "type": "string",
          "description": "Ultimate owner of the counter account",
          "example": "La Sopia GmbH München"
        },
        "primanotaNummer": {
          "type": "string",
          "description": "Primanota number of sales",
          "example": "421337"
        },
        "gvCode": {
          "type": "string",
          "description": "Provider specific code, that denotes transaction use cases",
          "example": "302"
        },
        "identifier": {
          "type": "object",
          "properties": {
            "endToEndId": {
              "type": "string"
            },
            "proprietaryCode": {
              "type": "string",
              "description": "Used for example for PayPal's proprietary transaction ID"
            },
            "entryReference": {
              "type": "string"
            },
            "ownerRef": {
              "type": "string"
            },
            "bookingRef": {
              "type": "string"
            },
            "balance": {
              "type": "number"
            },
            "mandateId": {
              "type": "string",
              "description": "Contains the SEPA mandate reference"
            },
            "batchId": {
              "type": "string"
            }
          }
        },
        "tags": {
          "type": "array",
          "items": {
            "properties": {
              "entity": {
                "properties": {
                  "displayName": {
                    "description": "Display name of the entity",
                    "example": "TRANSACTION",
                    "type": "string"
                  },
                  "entityClass": {
                    "description": "Class of the entity, such as TRANSACTION or USER",
                    "example": "TRANSACTION",
                    "type": "string"
                  },
                  "id": {
                    "description": "Transaction UUID or USER UUID.",
                    "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                    "type": "string"
                  },
                  "userId": {
                    "description": "UUID of the USER. Same as id field for USER entities.",
                    "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                    "type": "string"
                  }
                },
                "required": [
                  "displayName",
                  "entityClass",
                  "id"
                ],
                "type": "object"
              },
              "id": {
                "description": "Unique Universal Identifier (UUID)",
                "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              },
              "relations": {
                "description": "List of relations",
                "items": {
                  "properties": {
                    "href": {
                      "description": "Link of the relation",
                      "example": "https://banksapi.io/.../tags/tag-trees/1/",
                      "type": "string"
                    },
                    "rel": {
                      "description": "Name of the relation",
                      "example": "tag_trees",
                      "type": "string"
                    }
                  },
                  "required": [
                    "href",
                    "rel"
                  ],
                  "type": "object"
                },
                "type": "array"
              },
              "tagTreeItem": {
                "properties": {
                  "description": {
                    "description": "Gives a description of the tagTreeItem",
                    "example": "Expenses from daily grocery purchases",
                    "type": "string"
                  },
                  "displayName": {
                    "description": "User-friendly name shown to the end-users",
                    "example": "Groceries",
                    "type": "string"
                  },
                  "relations": {
                    "description": "List of relations",
                    "items": {
                      "properties": {
                        "href": {
                          "description": "Link of the relation",
                          "example": "https://banksapi.io/.../tags/tag-trees/1/",
                          "type": "string"
                        },
                        "rel": {
                          "description": "Name of the relation",
                          "example": "tag_trees",
                          "type": "string"
                        }
                      },
                      "required": [
                        "href",
                        "rel"
                      ],
                      "type": "object"
                    },
                    "type": "array"
                  },
                  "systemId": {
                    "description": "Unique internal id of the tag tree item",
                    "example": 17,
                    "type": "integer"
                  },
                  "systemName": {
                    "description": "Unique name of the tag tree item",
                    "example": "LIVING_GROCERIES",
                    "type": "string"
                  },
                  "systemNameParent": {
                    "description": "Unique name of the parent of the tagTreeItem",
                    "example": "LIVING",
                    "type": "string"
                  },
                  "tagTree": {
                    "allOf": [
                      {
                        "example": {
                          "description": "Two level categorization tree.",
                          "displayName": "Kategorien",
                          "isClientGenerated": false,
                          "relations": [
                            {
                              "href": "https://banksapi.io/tags/v1/tag-trees/1/",
                              "rel": "self"
                            },
                            {
                              "href": "https://banksapi.io/tags/v1/tag-trees/",
                              "rel": "tag_trees"
                            },
                            {
                              "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/",
                              "rel": "tag_tree_items"
                            }
                          ],
                          "systemId": 1,
                          "systemName": "CATEGORIES",
                          "version": 3.7
                        },
                        "properties": {
                          "description": {
                            "description": "Gives a description of the tag tree",
                            "example": "Detailed inusrance categories.",
                            "type": "string"
                          },
                          "displayName": {
                            "description": "User-friendly name shown to the end-users",
                            "example": "Kategorien",
                            "type": "string"
                          },
                          "isTenantGenerated": {
                            "description": "Boolean flag, set TRUE if the tag was manually set",
                            "example": true,
                            "type": "boolean"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/.../tags/tag-trees/1/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "systemId": {
                            "description": "Unique internal id of the tag tree",
                            "example": 1,
                            "type": "integer"
                          },
                          "systemName": {
                            "description": "Unique name of the tag tree",
                            "example": "CATEGORIES",
                            "type": "string"
                          },
                          "version": {
                            "description": "Version of the tag tree",
                            "example": 1.5,
                            "minimum": 0,
                            "type": "number"
                          }
                        },
                        "required": [
                          "systemName"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "tagTree that the tagTreeItem belongs to",
                    "type": "object"
                  }
                },
                "required": [
                  "systemName",
                  "tagTree"
                ],
                "type": "object"
              }
            },
            "required": [
              "entity",
              "id",
              "tagTreeItem"
            ],
            "type": "object"
          }
        }
      },
      "example": {
        "betrag": -70,
        "verwendungszweck": "EC 68096654 140215204106OC3 Ref. 5CC15048A1824480/89280",
        "buchungsdatum": "2016-11-17 00:00:00",
        "wertstellungsdatum": "2016-11-15 00:00:00",
        "gegenkontoInhaber": "La Sopia GmbH München",
        "gegenkontoIban": "DE00123456789012345679",
        "gegenkontoBic": "XXX12345678",
        "primanotaNummer": "421337"
      }
    }
  ]
}

Properties

allOf

Name	Type	Required	Restrictions	Description
anonymous	object	false	none	none
» id	string(uuid)	false	none	The unique id of this transaction.
» hash	string(uuid)	false	none	none

and

Name	Type	Required	Restrictions	Description
anonymous	TransactionData	false	none	none

TransactionData

{
  "betrag": -70,
  "verwendungszweck": "EC 68096654 140215204106OC3 Ref. 5CC15048A1824480/89280",
  "buchungsdatum": "2016-11-17 00:00:00",
  "wertstellungsdatum": "2016-11-15 00:00:00",
  "gegenkontoInhaber": "La Sopia GmbH München",
  "gegenkontoIban": "DE00123456789012345679",
  "gegenkontoBic": "XXX12345678",
  "primanotaNummer": "421337"
}

Transaction Data

Properties

Name	Type	Required	Restrictions	Description
betrag	number	true	none	Amount with two decimal places.
waehrung	string	false	none	Currency of the transaction.
verwendungszweck	string	true	none	The purpose of the transaction.
buchungstext	string	false	none	A text for the entry of the transaction
buchungsdatum	string(YYYY-MM-DD hh:mm:ss)	true	none	The date of the entry of the transaction
wertstellungsdatum	string(YYYY-MM-DD hh:mm:ss)	false	none	Date of booking
gegenkontoInhaber	string	false	none	Owner of the counter account
gegenkontoIban	string	false	none	IBAN of the counter account
gegenkontoBic	string	false	none	BIC of the counter account
gegenkontoInhaberAbweichend	string	false	none	Ultimate owner of the counter account
primanotaNummer	string	false	none	Primanota number of sales
gvCode	string	false	none	Provider specific code, that denotes transaction use cases
identifier	object	false	none	none
» endToEndId	string	false	none	none
» proprietaryCode	string	false	none	Used for example for PayPal's proprietary transaction ID
» entryReference	string	false	none	none
» ownerRef	string	false	none	none
» bookingRef	string	false	none	none
» balance	number	false	none	none
» mandateId	string	false	none	Contains the SEPA mandate reference
» batchId	string	false	none	none
tags	[TagInstanceSchema]	false	none	none

TransferDetails

{
  "title": "TransferDetails",
  "required": [
    "recipient",
    "purpose",
    "iban",
    "amount",
    "currency"
  ],
  "type": "object",
  "properties": {
    "recipient": {
      "type": "string",
      "description": "Receiver of the transfer"
    },
    "purpose": {
      "type": "string",
      "description": "Purpose of the transfer"
    },
    "iban": {
      "type": "string",
      "description": "IBAN of the recipient account"
    },
    "bic": {
      "type": "string",
      "description": "BIC of the recipient account"
    },
    "currency": {
      "type": "string",
      "description": "Currency of the transfer (Alphabetic Code ISO 4217)"
    },
    "amount": {
      "type": "number",
      "description": "Transfer amount"
    },
    "endToEndId": {
      "type": "string",
      "description": "End-to-end identification of the transfer"
    },
    "purposeCode": {
      "type": "string",
      "description": "Code to further classify payment using an [ISO20022 External Code](https://www.iso20022.org/catalogue-messages/additional-content-messages/external-code-sets)",
      "example": "SALA, DIVD, PENS, LOAN, ..."
    },
    "ultimateDebtor": {
      "type": "string",
      "description": "Ultimate debtor if deviating from account holder"
    },
    "ultimateCreditor": {
      "type": "string",
      "description": "Ultimate creditor if deviating from recipient"
    }
  },
  "description": "TransferDetails are used in InitiateSingleTransfer and InitiateBulkTransfer"
}

TransferDetails

Properties

Name	Type	Required	Restrictions	Description
recipient	string	true	none	Receiver of the transfer
purpose	string	true	none	Purpose of the transfer
iban	string	true	none	IBAN of the recipient account
bic	string	false	none	BIC of the recipient account
currency	string	true	none	Currency of the transfer (Alphabetic Code ISO 4217)
amount	number	true	none	Transfer amount
endToEndId	string	false	none	End-to-end identification of the transfer
purposeCode	string	false	none	Code to further classify payment using an ISO20022 External Code
ultimateDebtor	string	false	none	Ultimate debtor if deviating from account holder
ultimateCreditor	string	false	none	Ultimate creditor if deviating from recipient

UeberweisungDetails

{
  "allOf": [
    {
      "title": "UeberweisungDetails",
      "required": [
        "empfaenger",
        "verwendungszweck",
        "iban",
        "betrag",
        "waehrung"
      ],
      "type": "object",
      "properties": {
        "empfaenger": {
          "type": "string",
          "description": "Receiver of the transfer"
        },
        "verwendungszweck": {
          "type": "string",
          "description": "Purpose of the transfer."
        },
        "iban": {
          "type": "string",
          "description": "IBAN of the recipient account"
        },
        "bic": {
          "type": "string",
          "description": "BIC of the recipient account"
        },
        "waehrung": {
          "type": "string",
          "description": "Currency of the transfer (Alphabetic Code ISO 4217)"
        },
        "betrag": {
          "type": "number",
          "description": "Transfer amount"
        }
      },
      "description": "UeberweisungDetails are used in CreateTransfer and CreateBulkTransfer"
    }
  ]
}

Properties

Name	Type	Required	Restrictions	Description
empfaenger	string	true	none	Receiver of the transfer
verwendungszweck	string	true	none	Purpose of the transfer.
iban	string	true	none	IBAN of the recipient account
bic	string	false	none	BIC of the recipient account
waehrung	string	true	none	Currency of the transfer (Alphabetic Code ISO 4217)
betrag	number	true	none	Transfer amount

User

{
  "userReference": "1c5b33f6-9c4d-11e6-ba80-480fcfb9550f",
  "username": "demo-user"
}

User

Properties

Name	Type	Required	Restrictions	Description
id	string	true	none	Technical ID for the user, is also used in URLs (`user-id`)
username	string	true	none	Username for creating an OAuth2 token
roles	[string]	false	none	Roles this user has

WrappedTags

{
  "type": "object",
  "properties": {
    "tags": {
      "type": "array",
      "items": {
        "properties": {
          "entity": {
            "properties": {
              "displayName": {
                "description": "Display name of the entity",
                "example": "TRANSACTION",
                "type": "string"
              },
              "entityClass": {
                "description": "Class of the entity, such as TRANSACTION or USER",
                "example": "TRANSACTION",
                "type": "string"
              },
              "id": {
                "description": "Transaction UUID or USER UUID.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              },
              "userId": {
                "description": "UUID of the USER. Same as id field for USER entities.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "entityClass",
              "id"
            ],
            "type": "object"
          },
          "id": {
            "description": "Unique Universal Identifier (UUID)",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "relations": {
            "description": "List of relations",
            "items": {
              "properties": {
                "href": {
                  "description": "Link of the relation",
                  "example": "https://banksapi.io/.../tags/tag-trees/1/",
                  "type": "string"
                },
                "rel": {
                  "description": "Name of the relation",
                  "example": "tag_trees",
                  "type": "string"
                }
              },
              "required": [
                "href",
                "rel"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "tagTreeItem": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "relations": {
                "description": "List of relations",
                "items": {
                  "properties": {
                    "href": {
                      "description": "Link of the relation",
                      "example": "https://banksapi.io/.../tags/tag-trees/1/",
                      "type": "string"
                    },
                    "rel": {
                      "description": "Name of the relation",
                      "example": "tag_trees",
                      "type": "string"
                    }
                  },
                  "required": [
                    "href",
                    "rel"
                  ],
                  "type": "object"
                },
                "type": "array"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "example": {
                      "description": "Two level categorization tree.",
                      "displayName": "Kategorien",
                      "isClientGenerated": false,
                      "relations": [
                        {
                          "href": "https://banksapi.io/tags/v1/tag-trees/1/",
                          "rel": "self"
                        },
                        {
                          "href": "https://banksapi.io/tags/v1/tag-trees/",
                          "rel": "tag_trees"
                        },
                        {
                          "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/",
                          "rel": "tag_tree_items"
                        }
                      ],
                      "systemId": 1,
                      "systemName": "CATEGORIES",
                      "version": 3.7
                    },
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "relations": {
                        "description": "List of relations",
                        "items": {
                          "properties": {
                            "href": {
                              "description": "Link of the relation",
                              "example": "https://banksapi.io/.../tags/tag-trees/1/",
                              "type": "string"
                            },
                            "rel": {
                              "description": "Name of the relation",
                              "example": "tag_trees",
                              "type": "string"
                            }
                          },
                          "required": [
                            "href",
                            "rel"
                          ],
                          "type": "object"
                        },
                        "type": "array"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "systemName"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to",
                "type": "object"
              }
            },
            "required": [
              "systemName",
              "tagTree"
            ],
            "type": "object"
          }
        },
        "required": [
          "entity",
          "id",
          "tagTreeItem"
        ],
        "type": "object"
      }
    }
  }
}

Properties

Name	Type	Required	Restrictions	Description
tags	[TagInstanceSchema]	false	none	none

ErrorMessage

{
  "type": "object",
  "properties": {
    "code": {
      "type": "string",
      "description": "HTTP Code",
      "example": "400"
    },
    "message": {
      "type": "string",
      "description": "error message",
      "example": "Tag with system name INSURANCE_LIF does not exist for tag tree CATEGORIES"
    }
  }
}

Properties

Name	Type	Required	Restrictions	Description
code	string	false	none	HTTP Code
message	string	false	none	error message

BusinessPartnerTagTreeItemSchemaTagTree

{
  "allOf": [
    {
      "example": {
        "description": "Two level categorization tree.",
        "displayName": "Kategorien",
        "isClientGenerated": false,
        "relations": [
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/1/",
            "rel": "self"
          },
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/",
            "rel": "tag_trees"
          },
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/",
            "rel": "tag_tree_items"
          }
        ],
        "systemId": 1,
        "systemName": "CATEGORIES",
        "version": 3.7
      },
      "properties": {
        "description": {
          "description": "Gives a description of the tag tree",
          "example": "Detailed inusrance categories.",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Kategorien",
          "type": "string"
        },
        "isTenantGenerated": {
          "description": "Boolean flag, set TRUE if the tag was manually set",
          "example": true,
          "type": "boolean"
        },
        "relations": {
          "description": "List of relations",
          "items": {
            "properties": {
              "href": {
                "description": "Link of the relation",
                "example": "https://banksapi.io/.../tags/tag-trees/1/",
                "type": "string"
              },
              "rel": {
                "description": "Name of the relation",
                "example": "tag_trees",
                "type": "string"
              }
            },
            "required": [
              "href",
              "rel"
            ],
            "type": "object"
          },
          "type": "array"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree",
          "example": 1,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree",
          "example": "CATEGORIES",
          "type": "string"
        },
        "version": {
          "description": "Version of the tag tree",
          "example": 1.5,
          "minimum": 0,
          "type": "number"
        }
      },
      "required": [
        "systemName"
      ],
      "type": "object"
    }
  ],
  "description": "tagTree that the tagTreeItem belongs to",
  "type": "object"
}

tagTree that the tagTreeItem belongs to

Properties

None

title: AI/

AI/Connect API Reference v3.0

Scroll down for code samples, example requests and responses. Select a language for code samples from the tabs above or the mobile navigation menu.

General remarks

Overview

BANKSapi AI Endpoints first categorizes individual transactions along the dimensions of spending type, spending frequency and business partner.

After enriching individual transactions on these dimensions, the transactions of a specific user are aggregated and used as inputs to the next level of machine learning models to categorize the user along different dimensions such as monthly budget structure, spending habits across time and across spending categories, life stages.

Tagging Concept

The data enrichment process described above is conceptualized as Tagging and is used across all the endpoints. The following concepts are crucial to the understanding of tagging and make consumption of the endpoints easier. Following is a bottom-up description of tagging. - Entity is an object that is being tagged, e.g. a transaction. - TagInstance is a concrete instance of a Tag, which associates an Entity with a TagTreeItem and instance specific details. TagTreeItem captures the standardized part of the tagging, in other words the information that we can map to a standardized concept in a controlled vocabulary. In a CATEGORIES TagInstance this corresponds to RECREATION_ONLINE. details on the other hand captures the instance-specific information. For the same CATEGORIES example, it would contain the confidence level, which is specific only to this instance of the tagging exercise. - TagTreeItem is a standardized concept which is a member of a controlled vocabulary with others. - TagTree is a set of standardized concepts, which form a controlled vocabulary.

Base URLs:

https://banksapi.io/customer/v2/ai

Email: info@banksapi.de Web: info@banksapi.de

Authentication

HTTP Authentication, scheme: bearer Bearer-Token

Insurance Types

Insurance focused categorization of transactions

Return insurance types categorization tags

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/bankzugaenge/{accessId}/{productId}/kontoumsaetze?tag=insurance-types \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/bankzugaenge/{accessId}/{productId}/kontoumsaetze?tag=insurance-types

Gives detailed insurance types.

Categorization is based on keywords, sophisticated regular expressions and several specific rules. This classification is an extension of the categories endpoint and can be thought as a third level in the classification hierarchy.

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
accessId	path	string	true	ID of the bank access
productId	path	string	true	ID of the bank product

Example responses

200 Response

[
  {
    "betrag": -13.09,
    "buchungsdatum": "2020-03-11 18:00:00",
    "gegenkontoBic": "",
    "gegenkontoIban": "",
    "gegenkontoInhaber": "",
    "hash": "8891f1f9-511a-3ed6-8982-ef4078cecc16",
    "id": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
    "primanotaNummer": "12345",
    "tags": [
      {
        "entity": {
          "displayName": "Kontoumsatz",
          "entityClass": "TRANSACTION",
          "id": "956ca508-c0e2-52c5-3202-8de20e7ed12b"
        },
        "id": "eb047b64-619f-4104-805e-ee6c832bc306",
        "relations": [
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/",
            "rel": "tag_trees"
          },
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/2/",
            "rel": "tag_tree"
          },
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/2/tag-tree-items/",
            "rel": "tag_tree_items"
          },
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/2/tag-tree-items/164/",
            "rel": "tag_tree_item"
          }
        ],
        "tagTreeItem": {
          "displayName": "Kapitallebensversicherung",
          "systemId": 164,
          "systemName": "LIFE_ENDOWMENT",
          "systemNameParent": "LIFE",
          "tagTree": {
            "description": "Two level fine grained insurance categorization tag tree.",
            "displayName": "Versicherungsarten",
            "isClientGenerated": false,
            "systemId": 2,
            "systemName": "INSURANCE_TYPES",
            "version": 2.4
          }
        }
      }
    ],
    "verwendungszweck": "CRED DE07ZZZ00000063475 Beitrag Lebensvers 2020 01 SEPA BASISLASTSCHRIFT wiederholend",
    "wertstellungsdatum": "2020-03-11 18:00:00"
  }
]

Responses

Status	Meaning	Description	Schema
200	OK	Success	Inline
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[v3_output_connect_schema]	false	none	none
» betrag	number	true	none	Amount in Euros
» buchungsdatum	string	true	none	Date the transaction was initiated in yyyy-mm-dd HH:MM format
» buchungstext	string	false	none	Text entered during posting
» gegenkontoBic	string	false	none	BIC of the counterparty
» gegenkontoIban	string	false	none	IBAN of the counterparty
» gegenkontoInhaber	string	false	none	Name of the counterparty
» gegenkontoInhaberAbweichend	string	false	none	Name of the ultimate counterparty
» gvCode	string	false	none	SEPA GV Code (Geschäftsvorfallcode)
» hash	string	false	none	Hash value for historical ordering
» id	string	true	none	Unique Universal Identifier (UUID)
» primanotaNummer	string	false	none	Id used by the bank
» product	string	true	none	Account which the transaction is associated with
» provider	string	true	none	Id of the bank
» tags	[tag_instance_schema]	false	none	List of tags of the transaction
»» entity	entity_schema	true	none	none
»»» displayName	string	true	none	Display name of the entity
»»» entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
»»» id	string	true	none	Transaction UUID or USER UUID.
»»» userId	string	false	none	UUID of the USER. Same as id field for USER entities.
»» id	string	true	none	Unique Universal Identifier (UUID)
»» relations	[relation_schema]	false	none	List of relations
»»» href	string	true	none	Link of the relation
»»» rel	string	true	none	Name of the relation
»» tagTreeItem	tag_tree_item_schema	true	none	none
»»» description	string	false	none	Gives a description of the tagTreeItem
»»» displayName	string	true	none	User-friendly name shown to the end-users
»»» systemId	integer	true	none	Unique internal id of the tag tree item
»»» systemName	string	true	none	Unique name of the tag tree item
»»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»»» description	string	false	none	Gives a description of the tag tree
»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»»» systemId	integer	true	none	Unique internal id of the tag tree
»»»» systemName	string	true	none	Unique name of the tag tree
»»»» version	number	true	none	Version of the tag tree
»»» tenant	string	true	none	Tenant ID to which the transaction belongs
»»» user	string	true	none	Universally Unique Identifier of the user
»»» verwendungszweck	string	true	none	Text entered during posting
»»» wertstellungsdatum	string	false	none	Financial booking date in in yyyy-mm-dd HH:MM format.

Business Partners

Business partner detection of transactions

Return business partners tags

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/bankzugaenge/{accessId}/{productId}/kontoumsaetze?tag=business-partners \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/bankzugaenge/{accessId}/{productId}/kontoumsaetze?tag=business-partners

Identifies normalized business partner and returns detailed information such as containing address, website.

Business Partner is the financial entity that provides the good or service that the transaction is related to. It differs from the payment handler or the bank.

Normalization brings different names of the business partner under a single system name.

To get a full list of tag tree items, use: GET /tags/v1/tags/tag-trees/3/tag-tree-items/

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
accessId	path	string	true	ID of the bank access
productId	path	string	true	ID of the bank product

Example responses

200 Response

[
  {
    "betrag": -39.09,
    "buchungsdatum": "2023-07-11 17:00:00",
    "gegenkontoBic": "",
    "gegenkontoIban": "",
    "gegenkontoInhaber": "",
    "hash": "8891f1f9-511a-3ed6-8982-ef4078cecc16",
    "id": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
    "primanotaNummer": "12345",
    "tags": [
      {
        "entity": {
          "displayName": "Kontoumsatz",
          "entityClass": "TRANSACTION",
          "id": "956ca508-c0e2-52c5-3202-8de20e7ed12b"
        },
        "id": "9504ebeb-d54d-42fd-97a5-1b7117593dc2",
        "relations": [
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/",
            "rel": "tag_trees"
          },
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/3/",
            "rel": "tag_tree"
          },
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/3/tag-tree-items/",
            "rel": "tag_tree_items"
          },
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/3/tag-tree-items/202/",
            "rel": "tag_tree_item"
          }
        ],
        "tagTreeItem": {
          "addressCity": "Stuttgart",
          "addressCountry": "Deutschland",
          "addressStreet": "Reinsburgstraße 19",
          "addressZip": "70178",
          "creditorId": "DE07ZZZ00000063475",
          "displayName": "Allianz Lebensversicherung",
          "group": "Allianz",
          "systemId": 202,
          "systemName": "Allianz Lebensversicherungs-AG",
          "tagTree": {
            "description": "Single level tag tree of business partners.",
            "displayName": "Geschäftspartner",
            "isClientGenerated": false,
            "systemId": 3,
            "systemName": "BUSINESS_PARTNERS",
            "version": 1.9
          },
          "telephone": "0711-663-0",
          "website": "http://www.allianz.de"
        }
      }
    ],
    "verwendungszweck": "CRED DE07ZZZ00000063475 Beitrag Lebensvers 2023 07 SEPA BASISLASTSCHRIFT wiederholend",
    "wertstellungsdatum": "2023-07-11 17:00:00"
  }
]

Responses

Status	Meaning	Description	Schema
200	OK	Success	Inline
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[v3_output_connect_schema]	false	none	none
» betrag	number	true	none	Amount in Euros
» buchungsdatum	string	true	none	Date the transaction was initiated in yyyy-mm-dd HH:MM format
» buchungstext	string	false	none	Text entered during posting
» gegenkontoBic	string	false	none	BIC of the counterparty
» gegenkontoIban	string	false	none	IBAN of the counterparty
» gegenkontoInhaber	string	false	none	Name of the counterparty
» gegenkontoInhaberAbweichend	string	false	none	Name of the ultimate counterparty
» gvCode	string	false	none	SEPA GV Code (Geschäftsvorfallcode)
» hash	string	false	none	Hash value for historical ordering
» id	string	true	none	Unique Universal Identifier (UUID)
» primanotaNummer	string	false	none	Id used by the bank
» product	string	true	none	Account which the transaction is associated with
» provider	string	true	none	Id of the bank
» tags	[tag_instance_schema]	false	none	List of tags of the transaction
»» entity	entity_schema	true	none	none
»»» displayName	string	true	none	Display name of the entity
»»» entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
»»» id	string	true	none	Transaction UUID or USER UUID.
»»» userId	string	false	none	UUID of the USER. Same as id field for USER entities.
»» id	string	true	none	Unique Universal Identifier (UUID)
»» relations	[relation_schema]	false	none	List of relations
»»» href	string	true	none	Link of the relation
»»» rel	string	true	none	Name of the relation
»» tagTreeItem	tag_tree_item_schema	true	none	none
»»» description	string	false	none	Gives a description of the tagTreeItem
»»» displayName	string	true	none	User-friendly name shown to the end-users
»»» systemId	integer	true	none	Unique internal id of the tag tree item
»»» systemName	string	true	none	Unique name of the tag tree item
»»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»»» description	string	false	none	Gives a description of the tag tree
»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»»» systemId	integer	true	none	Unique internal id of the tag tree
»»»» systemName	string	true	none	Unique name of the tag tree
»»»» version	number	true	none	Version of the tag tree
»»» tenant	string	true	none	Tenant ID to which the transaction belongs
»»» user	string	true	none	Universally Unique Identifier of the user
»»» verwendungszweck	string	true	none	Text entered during posting
»»» wertstellungsdatum	string	false	none	Financial booking date in in yyyy-mm-dd HH:MM format.

Freelancer Categories

Freelancer focused categorization of transactions

Get freelancer-categories categorization tags

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/bankzugaenge/{accessId}/{productId}/kontoumsaetze?tag=freelancer-categories \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/bankzugaenge/{accessId}/{productId}/kontoumsaetze?tag=freelancer-categories

Gives detailed freelancer transactions categories in accordance with the Einnahmenüberschussrechnung (EÜR).

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
accessId	path	string	true	ID of the bank access
productId	path	string	true	ID of the bank product

Example responses

200 Response

[
  {
    "betrag": -31.18,
    "buchungsdatum": "2023-07-08 13:29:00",
    "buchungstext": "",
    "gegenkontoBic": "PBNKDEFF",
    "gegenkontoIban": "DE08250100300000289304",
    "gegenkontoInhaber": "Telekom Deutschland GmbH",
    "gvCode": "56",
    "hash": "d12e4064-aac6-1ad2-8cdc-e00345634b22",
    "id": "1ad7cf10-000d-12e4-064b-ba73b828cdce",
    "primanotaNummer": "485656",
    "tags": [
      {
        "entity": {
          "displayName": "Kontoumsatz",
          "entityClass": "TRANSACTION",
          "id": "1ad7cf10-000d-12e4-064b-ba73b828cdce",
          "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
        },
        "id": "ebf1b6a6-8ccc-2135-8843-83f0daa5355e",
        "relations": [
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/",
            "rel": "tag_trees"
          },
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/15/",
            "rel": "tag_tree"
          },
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/15/tag-tree-items/",
            "rel": "tag_tree_items"
          },
          {
            "href": "https://banksapi.io/tags/v1/tag-trees/15/tag-tree-items/41/",
            "rel": "tag_tree_item"
          }
        ],
        "tagTreeItem": {
          "displayName": "Aufwendungen für Telekommunikation",
          "systemId": 41,
          "systemName": "TELECOMMUNICATIONS",
          "tagTree": {
            "description": "Freelancer categories tag tree.",
            "displayName": "Freelancer-Kategorien",
            "isTenantGenerated": false,
            "systemId": 15,
            "systemName": "FREELANCER_CATEGORIES",
            "version": 0.1
          }
        }
      }
    ],
    "verwendungszweck": "Telekom Deutschland GmbH Festnetz Vertragskonto 5574442211 End to End Ref Zahlbeleg 93112306740 Mandatsref 00001234534 CRED DE93ZZZ00000078611 SEPA BASISLASTSCHRIFT wiederholend",
    "wertstellungsdatum": "2023-07-08 13:29:00"
  }
]

Responses

Status	Meaning	Description	Schema
200	OK	Success, tags read from database	Inline
201	Created	Success, some tags newly created	Inline
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[v3_output_connect_schema]	false	none	none
» betrag	number	true	none	Amount in Euros
» buchungsdatum	string	true	none	Date the transaction was initiated in yyyy-mm-dd HH:MM format
» buchungstext	string	false	none	Text entered during posting
» gegenkontoBic	string	false	none	BIC of the counterparty
» gegenkontoIban	string	false	none	IBAN of the counterparty
» gegenkontoInhaber	string	false	none	Name of the counterparty
» gegenkontoInhaberAbweichend	string	false	none	Name of the ultimate counterparty
» gvCode	string	false	none	SEPA GV Code (Geschäftsvorfallcode)
» hash	string	false	none	Hash value for historical ordering
» id	string	true	none	Unique Universal Identifier (UUID)
» primanotaNummer	string	false	none	Id used by the bank
» product	string	true	none	Account which the transaction is associated with
» provider	string	true	none	Id of the bank
» tags	[tag_instance_schema]	false	none	List of tags of the transaction
»» entity	entity_schema	true	none	none
»»» displayName	string	true	none	Display name of the entity
»»» entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
»»» id	string	true	none	Transaction UUID or USER UUID.
»»» userId	string	false	none	UUID of the USER. Same as id field for USER entities.
»» id	string	true	none	Unique Universal Identifier (UUID)
»» relations	[relation_schema]	false	none	List of relations
»»» href	string	true	none	Link of the relation
»»» rel	string	true	none	Name of the relation
»» tagTreeItem	tag_tree_item_schema	true	none	none
»»» description	string	false	none	Gives a description of the tagTreeItem
»»» displayName	string	true	none	User-friendly name shown to the end-users
»»» systemId	integer	true	none	Unique internal id of the tag tree item
»»» systemName	string	true	none	Unique name of the tag tree item
»»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»»» description	string	false	none	Gives a description of the tag tree
»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»»» systemId	integer	true	none	Unique internal id of the tag tree
»»»» systemName	string	true	none	Unique name of the tag tree
»»»» version	number	true	none	Version of the tag tree
»»» tenant	string	true	none	Tenant ID to which the transaction belongs
»»» user	string	true	none	Universally Unique Identifier of the user
»»» verwendungszweck	string	true	none	Text entered during posting
»»» wertstellungsdatum	string	false	none	Financial booking date in in yyyy-mm-dd HH:MM format.

Status Code 201

Name	Type	Required	Restrictions	Description
anonymous	[categorization_tag_instance_schema]	false	none	none
» details	categorization_tag_instance_details_schema	false	none	none
»» confidenceLevel	number	false	none	Confidence level between 0 and 1
» entity	entity_schema	true	none	none
»» displayName	string	true	none	Display name of the entity
»» entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
»» id	string	true	none	Transaction UUID or USER UUID.
»» userId	string	false	none	UUID of the USER. Same as id field for USER entities.
» id	string	true	none	Unique Universal Identifier (UUID)
» relations	[relation_schema]	false	none	List of relations
»» href	string	true	none	Link of the relation
»» rel	string	true	none	Name of the relation
» tagTreeItem	tag_tree_item_schema	true	none	none
»» description	string	false	none	Gives a description of the tagTreeItem
»» displayName	string	true	none	User-friendly name shown to the end-users
»» systemId	integer	true	none	Unique internal id of the tag tree item
»» systemName	string	true	none	Unique name of the tag tree item
»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»» description	string	false	none	Gives a description of the tag tree
»»» displayName	string	true	none	User-friendly name shown to the end-users
»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»» systemId	integer	true	none	Unique internal id of the tag tree
»»» systemName	string	true	none	Unique name of the tag tree
»»» version	number	true	none	Version of the tag tree

Update freelancer-categories categorization tags

Code samples

## You can also use wget
curl -X PUT https://banksapi.io/customer/v2/bankzugaenge/{accessId}/{productId}/kontoumsaetze/{transactionId} \
  -H 'Content-Type: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

PUT /customer/v2/bankzugaenge/{accessId}/{productId}/kontoumsaetze/{transactionId}

This method applies corrections to the categorization of transactions.

Input contains the tag tree item that should be used for re-categorization. A valid tag tree item has to be provided.

The flag changeExisting re-categorizes all existing transactions of the same counterparty.

The tagTreeItem has to include a tagTree and has to be wrapped in tags: [].

The re-categorization currently relies on the systemName value of tagTreeItem and tagTree, but as this might change in the future, both systemName and systemId should be included in the payload, all other fields are ignored.

Example: json { "tags": [ { "tagTreeItem": { "systemId": 35, "systemName": "PAYROLL", "tagTree": { "systemId": 15, "systemName": "FREELANCER_CATEGORIES" } } } ] }

To get a full list of tag tree items, use: GET /tags/v1/tags/tag-trees/15/tag-tree-items/

Body parameter

{
  "properties": {
    "tags": {
      "items": {
        "properties": {
          "systemId": {
            "example": 17,
            "type": "integer"
          },
          "systemName": {
            "example": "LIVING_GROCERIES",
            "type": "string"
          },
          "tagTree": {
            "properties": {
              "systemId": {
                "example": 1,
                "type": "integer"
              },
              "systemName": {
                "example": "CATEGORIES",
                "type": "string"
              }
            },
            "required": [
              "systemName"
            ],
            "type": "object"
          }
        },
        "required": [
          "systemName",
          "tagTree"
        ],
        "type": "object"
      },
      "type": "array"
    }
  },
  "type": "object"
}

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
createRule	query	boolean	false	This option creates a rule for this counterparty. All future transactions with this counterparty will be categorized according to the provided category. Default value is false.
changeExisting	query	boolean	false	This option re-categorizes all existing transactions with this counterparty according to the provided category. Default value is false.
accessId	path	string	true	ID of the bank access
productId	path	string	true	ID of the bank product
transactionId	path	string	true	ID of the transaction
body	body	v3_connect_put_schema	true	none

Responses

Status	Meaning	Description	Schema
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
422	Unprocessable Entity	UnprocessableEntity	None
500	Internal Server Error	InternalServerError	None

Contracts

Contract detection of a user

Return contract tags

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/ai/contracts \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/ai/contracts

Detects contracts using all the transactions of a user, independent of accounts and banks. All the transactions are aggregated.

The transactions are categorized and periodic payments are detected first.

Contracts are created by grouping payments of similar size in the same category and made to a certain business partners.

After transactions are grouped, we extract further statistics and make simple predictions on next amount and due date.

APR Estimation

Best effort estimate of the Annual Percentage Rate (APR) is given for fixed payment credit contracts. This feature works if:

* The note to payee includes breakdown of the principal and interest payments, and we have the first 2 payments to the credit giver.

* We see the initial credit payment to the user and next two fixed payments, without having the interest/principal payment ratio.

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
insuranceOnly	query	boolean	false	If True, returns insurance related contracts only
insuranceOnlyExtended	query	boolean	false	If True, returns insurance related contracts and contract with the category SAVINGS_BUILDING

Example responses

200 Response

[
  {
    "details": {
      "amountFirst": -319,
      "amountLatest": -319,
      "amountMaximum": -319,
      "amountMean": -319,
      "amountMinimum": -319,
      "amountNext": -319,
      "amountTotal": -4466,
      "amountTotalNonRegular": 0,
      "amountTotalRegular": -4466,
      "costDevelopment": {
        "2019-01-20": -319,
        "2019-02-20": -319,
        "2019-03-20": -319,
        "2019-04-20": -319,
        "2019-05-20": -319,
        "2019-06-20": -319,
        "2019-07-20": -319,
        "2019-08-20": -319,
        "2019-09-20": -319,
        "2019-10-20": -319,
        "2019-11-20": -319,
        "2019-12-20": -319,
        "2020-01-20": -319,
        "2020-02-20": -319
      },
      "costDevelopmentRegular": {
        "2019-01-20": -319,
        "2019-02-20": -319,
        "2019-03-20": -319,
        "2019-04-20": -319,
        "2019-05-20": -319,
        "2019-06-20": -319,
        "2019-07-20": -319,
        "2019-08-20": -319,
        "2019-09-20": -319,
        "2019-10-20": -319,
        "2019-11-20": -319,
        "2019-12-20": -319,
        "2020-01-20": -319,
        "2020-02-20": -319
      },
      "counterpartyBic": "",
      "counterpartyIban": "DE123456222",
      "counterpartyName": "Allianz Private Krankenversicherungs AG",
      "dateFirst": "2019-01-20",
      "dateLatest": "2020-02-20",
      "dateNext": "2020-03-20",
      "daysAge": 445,
      "growthRate": 0,
      "numberCustomer": ".:",
      "standardDeviation": 0,
      "status": "ACTIVE",
      "transactionIds": [
        "qj64ir73-30ba-yei2-1i1q-vrg8glvkhwno",
        "lbmk8o1n-a832-xcqi-mpcp-brv4pieipge8",
        "qks1f8e9-59yu-rglt-yvq9-y8jnlm5huhro",
        "2j3599se-4b53-q06f-78u6-byv3q9hltndt",
        "hqe7417d-9ixm-6bzk-0ckm-tp3914r4k2ay",
        "dxfav1pk-vqxv-6390-qrb3-4pigp5s614u5",
        "a36lxcgg-3drd-f7w5-e3bb-uin03hxxni48",
        "cs7ew6pu-mn2n-5xko-48sj-u33owtszqqub",
        "uzi9a837-63ld-t8b2-t2s0-sle79yz1mx88",
        "yayvsn9d-oszt-mg4k-8q86-f0du01kineis",
        "9n4va5cc-5hx3-r14q-ehe2-9d7c2jbehstq",
        "kbw1nxhc-uxmq-4pyi-kar7-hlii1viy9bus",
        "g3kqczjp-5cuq-ntl6-k5vw-454vfy0bfa3d",
        "yv8uh99n-csyj-66xn-4wkr-f3nvzzxkhas7"
      ],
      "transactionIdsNonRegular": [],
      "transactionIdsRegular": [
        "qj64ir73-30ba-yei2-1i1q-vrg8glvkhwno",
        "lbmk8o1n-a832-xcqi-mpcp-brv4pieipge8",
        "qks1f8e9-59yu-rglt-yvq9-y8jnlm5huhro",
        "2j3599se-4b53-q06f-78u6-byv3q9hltndt",
        "hqe7417d-9ixm-6bzk-0ckm-tp3914r4k2ay",
        "dxfav1pk-vqxv-6390-qrb3-4pigp5s614u5",
        "a36lxcgg-3drd-f7w5-e3bb-uin03hxxni48",
        "cs7ew6pu-mn2n-5xko-48sj-u33owtszqqub",
        "uzi9a837-63ld-t8b2-t2s0-sle79yz1mx88",
        "yayvsn9d-oszt-mg4k-8q86-f0du01kineis",
        "9n4va5cc-5hx3-r14q-ehe2-9d7c2jbehstq",
        "kbw1nxhc-uxmq-4pyi-kar7-hlii1viy9bus",
        "g3kqczjp-5cuq-ntl6-k5vw-454vfy0bfa3d",
        "yv8uh99n-csyj-66xn-4wkr-f3nvzzxkhas7"
      ]
    },
    "entity": {
      "displayName": "USER",
      "entityClass": "USER",
      "id": "0b64d605-0483-4bae-8b12-fa26e313060b"
    },
    "id": "824aa59a-c243-744f-fcbb-a6ce1edacd02",
    "relations": [
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/",
        "rel": "tag_trees"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/1/",
        "rel": "tag_tree_category"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/",
        "rel": "tag_tree_items_category"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/64/",
        "rel": "tag_tree_item_category"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/2/",
        "rel": "tag_tree_insurance_type"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/2/tag-tree-items/",
        "rel": "tag_tree_items_insurance_type"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/2/tag-tree-items/134/",
        "rel": "tag_tree_item_insurance_type"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/4/",
        "rel": "tag_tree_period"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/4/tag-tree-items/",
        "rel": "tag_tree_items_period"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/4/tag-tree-items/235/",
        "rel": "tag_tree_item_period"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/3/",
        "rel": "tag_tree_business_partner"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/3/tag-tree-items/",
        "rel": "tag_tree_items_business_partner"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/3/tag-tree-items/206/",
        "rel": "tag_tree_item_business_partner"
      }
    ],
    "tagTreeItemBusinessPartner": {
      "addressCity": "München",
      "addressCountry": "Deutschland",
      "addressStreet": "Königinstraße 28",
      "addressZip": "80802",
      "creditorId": "DE40ZZZ00000063851",
      "displayName": "Allianz Private Krankenversicherung",
      "group": "Allianz",
      "systemId": 206,
      "systemName": "Allianz Private Krankenversicherungs AG",
      "tagTree": {
        "description": "Single level tag tree of business partners.",
        "displayName": "Geschäftspartner",
        "isClientGenerated": false,
        "systemId": 3,
        "systemName": "BUSINESS_PARTNERS",
        "version": 1.9
      },
      "telephone": "089-3800-1000",
      "website": "http://www.allianz.de"
    },
    "tagTreeItemCategory": {
      "description": "Payments related to a health insurance contract",
      "displayName": "Krankenversicherung",
      "systemId": 64,
      "systemName": "INSURANCE_HEALTH",
      "systemNameParent": "INSURANCE",
      "tagTree": {
        "description": "Two level categorization tree.",
        "displayName": "Kategorien",
        "isClientGenerated": false,
        "systemId": 1,
        "systemName": "CATEGORIES",
        "version": 3.7
      }
    },
    "tagTreeItemInsuranceType": {
      "displayName": "Private Krankenversicherung",
      "systemId": 134,
      "systemName": "HEALTH_PRIVATE",
      "systemNameParent": "HEALTH",
      "tagTree": {
        "description": "Two level fine grained insurance categorization tag tree.",
        "displayName": "Versicherungsarten",
        "isClientGenerated": false,
        "systemId": 2,
        "systemName": "INSURANCE_TYPES",
        "version": 2.4
      }
    },
    "tagTreeItemPeriod": {
      "description": "Period of a single month",
      "displayName": "Ein Monat",
      "systemId": 235,
      "systemName": "MONTH_ONE",
      "systemNameParent": "MONTH",
      "tagTree": {
        "description": "Two level periods tag tree.",
        "displayName": "Turnus",
        "isClientGenerated": false,
        "systemId": 4,
        "systemName": "PERIODS",
        "version": 0.4
      }
    }
  }
]

Responses

Status	Meaning	Description	Schema
200	OK	Success	Inline
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[contract_tag_instance_schema]	false	none	none
» details	contract_tag_instance_details_schema	false	none	none
»» amountFirst	number	true	none	First payment among contract payments
»» amountLatest	number	true	none	Most recent payment among contract payments
»» amountMaximum	number	true	none	Maximum payment among contract payments
»» amountMean	number	true	none	Mean payment among contract payments
»» amountMedian	number	true	none	Median payment among contract payments
»» amountMinimum	number	true	none	Minimum payment among contract payments
»» amountNext	number	false	none	Predicted next payment based on contract payments
»» amountTotal	number	true	none	Total amount of regular and non-regular payments
»» amountTotalNonRegular	number	true	none	Total amount of non-regular payments
»» amountTotalRegular	number	true	none	Total amount of regular payments
»» contractNumbers	[string]	true	none	List of detected contract numbers
»» costDevelopment	object	true	none	History of regular and non-regular payments
»» costDevelopmentNonRegular	object	true	none	History of non-regular payments
»» costDevelopmentRegular	object	true	none	History of regular payments
»» counterpartyBic	string	false	none	BIC of the counterparty
»» counterpartyIban	string	false	none	IBAN of the counterparty
»» counterpartyName	string	false	none	Name of the counterparty
»» counterpartyNameUltimate	string	false	none	Name of the ultimate counterparty
»» creditAmount	number	false	none	Net amount of the loan being paid back with the contract
»» creditAmountGross	number	false	none	Total amount of the loan being paid back with the contract including additional costs
»» customName	string	false	none	If there is no listed business partner found, a custom name is tried to be extracted from the transaction.
»» customerNumbers	[string]	true	none	List of detected customer numbers
»» dateEnd	string(date)	false	none	Contract end date
»» dateFirst	string(date)	true	none	Date of the first payment
»» dateLatest	string(date)	true	none	Date of the last payment
»» dateNext	string(date)	false	none	Predicted date of the next payment
»» dateStart	string(date)	false	none	Contract start date
»» daysAge	integer	true	none	Age of the contract in days
»» growthRate	number	false	none	Procentual growth rate per period
»» interestRate	number	false	none	Effective annual interest rate estimated for this contract
»» interestRateNominal	number	false	none	Nominal annual interest rate detected for this contract
»» numberContract	string	false	none	Deprecated. Use field contractNumbers instead.
»» numberCustomer	string	false	none	Deprecated. Use field customerNumbers instead.
»» standardDeviation	number	false	none	Standard deviation of contract payments
»» status	string	true	none	Status of contract (ACTIVE or NOT_ACTIVE)
»» transactionIds	[string]	true	none	List of transaction ids, regular and non-regular payments
»» transactionIdsNonRegular	[string]	true	none	List of transaction ids, non-regular payments only
»» transactionIdsRegular	[string]	true	none	List of transaction ids, regular payments only
» entity	entity_schema	true	none	none
»» displayName	string	true	none	Display name of the entity
»» entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
»» id	string	true	none	Transaction UUID or USER UUID.
»» userId	string	false	none	UUID of the USER. Same as id field for USER entities.
» id	string	true	none	Unique Universal Identifier (UUID)
» relations	[relation_schema]	false	none	List of relations
»» href	string	true	none	Link of the relation
»» rel	string	true	none	Name of the relation
» tagTreeItemBusinessPartner	business_partner_tag_tree_item_schema	true	none	none
»» addressCity	string	false	none	Address city of the business partner
»» addressCountry	string	false	none	Address country of the business partner
»» addressStreet	string	false	none	Address street incl. number of the business partner
»» addressZip	string	false	none	Address zip/postal code of the business partner
»» categories	[string]	false	none	Categories the business partner belongs to.
»» creditorId	string	false	none	creditor id of the business partner
»» description	string	false	none	Gives a description of the tagTreeItem
»» displayName	string	true	none	User-friendly name shown to the end-users
»» group	string	false	none	Group the business partner belongs to.
»» systemId	integer	true	none	Unique internal id of the tag tree item
»» systemName	string	true	none	Unique name of the tag tree item
»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»» description	string	false	none	Gives a description of the tag tree
»»» displayName	string	true	none	User-friendly name shown to the end-users
»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»» systemId	integer	true	none	Unique internal id of the tag tree
»»» systemName	string	true	none	Unique name of the tag tree
»»» version	number	true	none	Version of the tag tree
»» telephone	string	false	none	Telephone of the business partner
»» website	string	false	none	Website of the business partner
» tagTreeItemCategory	tag_tree_item_schema	true	none	none
»» description	string	false	none	Gives a description of the tagTreeItem
»» displayName	string	true	none	User-friendly name shown to the end-users
»» systemId	integer	true	none	Unique internal id of the tag tree item
»» systemName	string	true	none	Unique name of the tag tree item
»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»» description	string	false	none	Gives a description of the tag tree
»»» displayName	string	true	none	User-friendly name shown to the end-users
»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»» systemId	integer	true	none	Unique internal id of the tag tree
»»» systemName	string	true	none	Unique name of the tag tree
»»» version	number	true	none	Version of the tag tree
»» tagTreeItemInsuranceType	tag_tree_item_schema	false	none	none
»» tagTreeItemPeriod	tag_tree_item_schema	true	none	none

Cashflow

Cashflow statistics and predictions of a user

Return cashflow tags with statistics and predictions

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/ai/cashflow \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/ai/cashflow

This is a utility function for Personal Finance Management applications.

The endpoint simply aggregates transactions on the dimension set by the request parameter focus:

If focus set to time, the transactions are partitioned by time and aggregated by the choice of tag. If tag is set to CATEGORIES, we deliver the distribution of net cash-flow across all categories, indexed over time periods. The results can be used as monthly pie-charts depicting spending habits. By setting tag to BUSINESS_PARTNERS, distribution is calculated across business partners.

If focus is set to tag, we limit the result to the net cash-flow in a given tag, and get the time domain changes for this specific tag. If the request parameter tag is set to **CATEGORIES**, we answer the question: "How did my spending change within a category over time?". By settingtag` to BUSINESS_PARTNERS, we answer "How much did I spend to a certain business partner over time?"

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
focus	query	string	false	Cashflow is generated with the focus on either time or tag (CATEGORIES or BUSINESS_PARTNER)
tag	query	string	false	Tag to use when summarizing the cashflow
catLevel	query	string	false	Use the usual tags ("sub") or their parents ("main"). Only relevant if tag=CATEGORIES
excludeSavings	query	boolean	false	Exclude savings and investments related transactions

Enumerated Values

Parameter	Value
focus	tag
focus	time
tag	CATEGORIES
tag	BUSINESS_PARTNERS
catLevel	sub
catLevel	main

Example responses

200 Response

[
  {
    "details": {
      "predictions": [],
      "statistics": [
        {
          "cashflow": -1879.46,
          "tagTreeItem": {
            "displayName": "Gesamt",
            "systemId": 906,
            "systemName": "TOTAL_TOTAL",
            "systemNameParent": "TOTAL",
            "tagTree": {
              "description": "Two level tree with years as parents and its periods as children.",
              "displayName": "Cashflow",
              "isClientGenerated": false,
              "systemId": 6,
              "systemName": "CASHFLOW",
              "version": 1
            }
          }
        },
        {
          "cashflow": -342.91,
          "tagTreeItem": {
            "displayName": "Jahr 2020",
            "systemId": 692,
            "systemName": "2020_Y",
            "systemNameParent": "2020",
            "tagTree": {
              "description": "Two level tree with years as parents and its periods as children.",
              "displayName": "Cashflow",
              "isClientGenerated": false,
              "systemId": 6,
              "systemName": "CASHFLOW",
              "version": 1
            }
          }
        },
        {
          "cashflow": -342.91,
          "tagTreeItem": {
            "displayName": "1. Quartal 2020",
            "systemId": 634,
            "systemName": "2020_Q1",
            "systemNameParent": "2020",
            "tagTree": {
              "description": "Two level tree with years as parents and its periods as children.",
              "displayName": "Cashflow",
              "isClientGenerated": false,
              "systemId": 6,
              "systemName": "CASHFLOW",
              "version": 1
            }
          }
        },
        {
          "cashflow": -154.3,
          "tagTreeItem": {
            "displayName": "Januar 2020",
            "systemId": 622,
            "systemName": "2020_M01",
            "systemNameParent": "2020",
            "tagTree": {
              "description": "Two level tree with years as parents and its periods as children.",
              "displayName": "Cashflow",
              "isClientGenerated": false,
              "systemId": 6,
              "systemName": "CASHFLOW",
              "version": 1
            }
          }
        },
        {
          "cashflow": -29.99,
          "tagTreeItem": {
            "displayName": "1. Kalenderwoche 2020",
            "systemId": 639,
            "systemName": "2020_W01",
            "systemNameParent": "2020",
            "tagTree": {
              "description": "Two level tree with years as parents and its periods as children.",
              "displayName": "Cashflow",
              "isClientGenerated": false,
              "systemId": 6,
              "systemName": "CASHFLOW",
              "version": 1
            }
          }
        }
      ]
    },
    "entity": {
      "displayName": "USER",
      "entityClass": "USER",
      "id": "0b64d605-0483-4bae-8b12-fa26e313060b"
    },
    "id": "4ff21ddb-baae-47f0-8181-77b7c5a7ade0",
    "relations": [
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/",
        "rel": "tag_trees"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/1/",
        "rel": "tag_tree"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/",
        "rel": "tag_tree_items"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/2/",
        "rel": "tag_tree_item"
      }
    ],
    "tagTreeItem": {
      "description": "Transactions including invoices & bills",
      "displayName": "Vertragsrechnungen",
      "systemId": 2,
      "systemName": "BILLS",
      "tagTree": {
        "description": "Two level categorization tree.",
        "displayName": "Kategorien",
        "isClientGenerated": false,
        "systemId": 1,
        "systemName": "CATEGORIES",
        "version": 3.7
      }
    }
  }
]

Responses

Status	Meaning	Description	Schema
200	OK	Success	Inline
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[cashflow_tag_instance_schema]	false	none	none
» details	cashflow_tag_instance_details_schema	false	none	none
»» predictions	[cashflow_tag_instance_details_stats_preds_schema]	false	none	cashflow predictions
»»» cashflow	number	true	none	cashflow amount in Euros
»»» tagTreeItem	tag_tree_item_schema	false	none	none
»»»» description	string	false	none	Gives a description of the tagTreeItem
»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»» systemId	integer	true	none	Unique internal id of the tag tree item
»»»» systemName	string	true	none	Unique name of the tag tree item
»»»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»»»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»»»» description	string	false	none	Gives a description of the tag tree
»»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»»»» systemId	integer	true	none	Unique internal id of the tag tree
»»»»» systemName	string	true	none	Unique name of the tag tree
»»»»» version	number	true	none	Version of the tag tree
»»»» total	string	false	none	total amount
»»» statistics	[cashflow_tag_instance_details_stats_preds_schema]	false	none	cashflow statistics
»» entity	entity_schema	true	none	none
»»» displayName	string	true	none	Display name of the entity
»»» entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
»»» id	string	true	none	Transaction UUID or USER UUID.
»»» userId	string	false	none	UUID of the USER. Same as id field for USER entities.
»» id	string	true	none	Unique Universal Identifier (UUID)
»» relations	[relation_schema]	false	none	List of relations
»»» href	string	true	none	Link of the relation
»»» rel	string	true	none	Name of the relation
»» tagTreeItem	tag_tree_item_schema	true	none	none

Disposable Money

Disposable money of a user

Return a disposable money tag

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/ai/disposable-money \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/ai/disposable-money

Defines the disposable money of a user when the next salary payment is expected.

The transactions are categorized, contracts created, cashflow analyzed and predicted.

By detailed analysis of statistics and predictions of a user's transactions, the following values are extracted.

dateSalaryLatest

Date of the latest salary payment

dateSalaryNext

date of the next salary payment

amountSalaryLatest

Amount of the latest salary payment

amountSalaryNext

Amount of the next salary payment

daysUntilSalary

Days until the next salary payment is expected

amountCashflow

Sum of income and expenses (cashflow) since the latest salary payment

amountCurrentlyLeft

Amount currently left until the next salary payment considering the cashflow since the latest salary payment

amountExpectedFixedCashflow

Sum of expected income and expenses (cashflow) from contracts due until the next salary payment

amountExpectedLeft

Amount expectedly left until the next salary payment considering the cashflow since the latest salary payment and the expected cashflow until the next salary payment

amountExpectedLeftDaily

Daily amount expectedly left until the next salary payment considering the cashflow since the latest salary payment and the expected cashflow until the next salary payment

amountExpectedFlexCashflow

Sum of flexible income and expenses (cashflow) expected until the next salary payment derived from previous spending habits excluding contracts (expected fixed cashflow)

amountDisposableMoney

Amount estimated to be left at the next salary payment considering the cashflow since the latest salary payment the expected fixed cashflow until the next salary payment and the expected flexible cashflow until the next salary payment

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request

Example responses

200 Response

{
  "details": {
    "amountCashflow": -739.29,
    "amountCurrrentlyLeft": 3117.55,
    "amountDisposableMoney": 3117.55,
    "amountExpectedFixedCashflow": 0,
    "amountExpectedFlexCashflow": 0,
    "amountExpectedLeft": 3117.55,
    "amountExpectedLeftDaily": -283.41,
    "amountSalaryLatest": 3856.84,
    "amountSalaryNext": 3856.84,
    "dateSalaryLatest": "2021-02-29",
    "dateSalaryNext": "2021-03-29",
    "daysUntilSalary": -11
  },
  "entity": {
    "displayName": "USER",
    "entityClass": "USER",
    "id": "0b64d605-0483-4bae-8b12-fa26e313060b"
  },
  "id": "e846b38e-ec53-48de-b3e5-a81f5397c38a",
  "relations": [
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/",
      "rel": "tag_trees"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/7/",
      "rel": "tag_tree"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/7/tag-tree-items/",
      "rel": "tag_tree_items"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/7/tag-tree-items/908/",
      "rel": "tag_tree_item"
    }
  ],
  "tagTreeItem": {
    "description": "Information about the disposable money",
    "displayName": "Informationen über frei verfügbares Geld",
    "systemId": 908,
    "systemName": "DISPOSABLEMONEY_INFORMATION",
    "systemNameParent": "DISPOSABLEMONEY",
    "tagTree": {
      "description": "Disposable money tag tree with single parent and child tag.",
      "displayName": "Einkommensüberschuss",
      "isClientGenerated": false,
      "systemId": 7,
      "systemName": "DISPOSABLE_MONEY",
      "version": 0.1
    }
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	disposable_money_tag_instance_schema
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Life

Determine life events and life stages of a user

Return the life events of a user

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/ai/life-events \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/ai/life-events

Detects all life events of a user.

Life events are key events in a user's life that represent some significant change. They are always the start or end of some activity or state. In general, although life events often correspond to the start or end of a life stage, this is not necessarily always the case.

This endpoint returns all life events in the past with the corresponding date. Some life events are unique (e.g. first employment, first tenancy), others may recur over time (e.g. new tenancy, birth of child).

Life Event Tag Instance IDs are generated by hashing the User ID, event date and the tagTreeItem ID of the Tag Instance. This gives a best effort uniqueness to the ids.

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request

Example responses

200 Response

[
  {
    "details": {
      "eventDate": "2019-07-01"
    },
    "entity": {
      "displayName": "USER",
      "entityClass": "USER",
      "id": "0b64d605-0483-4bae-8b12-fa26e313060b"
    },
    "id": "924bbc71-2444-aa4a-4821-e92e9976ed17",
    "relations": [
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/",
        "rel": "tag_trees"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/10/",
        "rel": "tag_tree"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/10/tag-tree-items/",
        "rel": "tag_tree_items"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/10/tag-tree-items/931/",
        "rel": "tag_tree_item"
      }
    ],
    "tagTreeItem": {
      "displayName": "Ende Mietverhältnis",
      "systemId": 931,
      "systemName": "TENANCY_END",
      "tagTree": {
        "description": "Single level life event tag tree, usually with both start and end tags.",
        "displayName": "Lebensereignisse",
        "isClientGenerated": false,
        "systemId": 10,
        "systemName": "LIFE_EVENTS",
        "version": 0.3
      }
    }
  }
]

Responses

Status	Meaning	Description	Schema
200	OK	Success	Inline
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[life_event_tag_instance_schema]	false	none	none
» details	life_event_tag_instance_details_schema	true	none	none
»» eventDate	string(date)	true	none	Date of the event
» entity	entity_schema	true	none	none
»» displayName	string	true	none	Display name of the entity
»» entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
»» id	string	true	none	Transaction UUID or USER UUID.
»» userId	string	false	none	UUID of the USER. Same as id field for USER entities.
» id	string	true	none	Unique Universal Identifier (UUID)
» relations	[relation_schema]	false	none	List of relations
»» href	string	true	none	Link of the relation
»» rel	string	true	none	Name of the relation
» tagTreeItem	life_tag_tree_item_schema	true	none	none
»» description	string	false	none	Gives a description of the tagTreeItem
»» displayName	string	true	none	User-friendly name shown to the end-users
»» domain	tag_tree_item_schema	true	none	Life domain this tag belongs to
»»» description	string	false	none	Gives a description of the tagTreeItem
»»» displayName	string	true	none	User-friendly name shown to the end-users
»»» systemId	integer	true	none	Unique internal id of the tag tree item
»»» systemName	string	true	none	Unique name of the tag tree item
»»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»»» description	string	false	none	Gives a description of the tag tree
»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»»» systemId	integer	true	none	Unique internal id of the tag tree
»»»» systemName	string	true	none	Unique name of the tag tree
»»»» version	number	true	none	Version of the tag tree
»»» systemId	integer	true	none	Unique internal id of the tag tree item
»»» systemName	string	true	none	Unique name of the tag tree item
»»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»»» description	string	false	none	Gives a description of the tag tree
»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»»» systemId	integer	true	none	Unique internal id of the tag tree
»»»» systemName	string	true	none	Unique name of the tag tree
»»»» version	number	true	none	Version of the tag tree

Return life stages of a user

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/ai/life-stages \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/ai/life-stages

Detects life stages using all transactions of a user. Life stages are detected with the help of contracts dealing with significant aspects of life (e.g. rentals, employment contracts).

Life stages are structured in four domains, each representing information about different aspects of life: - Labour Market: Professional and academic career of the user - Parenthood: Indicating whether the user has children - Housing: Information about ownership / rental agreements of the user's accommodation - Savings: Current user activity for preparing retirement

Life Stage Tag Instance Ids are generated by hashing the User ID and the tagTreeItem ID of the Tag Instance. This gives a best effort uniqueness to the ids.

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
verbose	query	boolean	false	If set to True, candidate tags are returned in case of ambiguity. Furthermore, explanations regarding tags are added.

Example responses

200 Response

[
  {
    "entity": {
      "displayName": "USER",
      "entityClass": "USER",
      "id": "0b64d605-0483-4bae-8b12-fa26e313060b"
    },
    "id": "83b507c5-0be5-e3c8-a0b7-f3339744cfa2",
    "relations": [
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/",
        "rel": "tag_trees"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/8/",
        "rel": "tag_tree"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/8/tag-tree-items/",
        "rel": "tag_tree_items"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/8/tag-tree-items/923/",
        "rel": "tag_tree_item"
      }
    ],
    "tagTreeItem": {
      "displayName": "Mieter",
      "systemId": 923,
      "systemName": "TENANCY",
      "tagTree": {
        "description": "Single level life stage tag tree.",
        "displayName": "Lebensphasen",
        "isClientGenerated": false,
        "systemId": 8,
        "systemName": "LIFE_STAGES",
        "version": 0.4
      }
    }
  },
  {
    "entity": {
      "displayName": "USER",
      "entityClass": "USER",
      "id": "0b64d605-0483-4bae-8b12-fa26e313060b"
    },
    "id": "be26f079-38de-3d1e-504c-404efad17365",
    "relations": [
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/",
        "rel": "tag_trees"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/8/",
        "rel": "tag_tree"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/8/tag-tree-items/",
        "rel": "tag_tree_items"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/8/tag-tree-items/915/",
        "rel": "tag_tree_item"
      }
    ],
    "tagTreeItem": {
      "displayName": "Elternteil",
      "systemId": 915,
      "systemName": "PARENTHOOD",
      "tagTree": {
        "description": "Single level life stage tag tree.",
        "displayName": "Lebensphasen",
        "isClientGenerated": false,
        "systemId": 8,
        "systemName": "LIFE_STAGES",
        "version": 0.4
      }
    }
  },
  {
    "entity": {
      "displayName": "USER",
      "entityClass": "USER",
      "id": "0b64d605-0483-4bae-8b12-fa26e313060b"
    },
    "id": "af7b1ceb-9eda-2db4-7e91-8097dc902d42",
    "relations": [
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/",
        "rel": "tag_trees"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/8/",
        "rel": "tag_tree"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/8/tag-tree-items/",
        "rel": "tag_tree_items"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/8/tag-tree-items/912/",
        "rel": "tag_tree_item"
      }
    ],
    "tagTreeItem": {
      "displayName": "Angestellt",
      "systemId": 912,
      "systemName": "EMPLOYMENT",
      "tagTree": {
        "description": "Single level life stage tag tree.",
        "displayName": "Lebensphasen",
        "isClientGenerated": false,
        "systemId": 8,
        "systemName": "LIFE_STAGES",
        "version": 0.4
      }
    }
  }
]

Responses

Status	Meaning	Description	Schema
200	OK	Success	Inline
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[life_stage_tag_instance_schema]	false	none	none
» details	life_stage_tag_instance_details_schema	false	none	none
»» explanation	life_stage_explanation_schema	false	none	An explanation for how the life stage was detected.
»»» conflictingEvents	[life_event_tag_instance_schema]	false	none	The life events that caused the stage to be ambiguous. If the absence of events causes the inconsistency, the list will be empty.
»»»» details	life_event_tag_instance_details_schema	true	none	none
»»»»» eventDate	string(date)	true	none	Date of the event
»»»» entity	entity_schema	true	none	none
»»»»» displayName	string	true	none	Display name of the entity
»»»»» entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
»»»»» id	string	true	none	Transaction UUID or USER UUID.
»»»»» userId	string	false	none	UUID of the USER. Same as id field for USER entities.
»»»» id	string	true	none	Unique Universal Identifier (UUID)
»»»» relations	[relation_schema]	false	none	List of relations
»»»»» href	string	true	none	Link of the relation
»»»»» rel	string	true	none	Name of the relation
»»»» tagTreeItem	life_tag_tree_item_schema	true	none	none
»»»»» description	string	false	none	Gives a description of the tagTreeItem
»»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»»» domain	tag_tree_item_schema	true	none	Life domain this tag belongs to
»»»»»» description	string	false	none	Gives a description of the tagTreeItem
»»»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»»»» systemId	integer	true	none	Unique internal id of the tag tree item
»»»»»» systemName	string	true	none	Unique name of the tag tree item
»»»»»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»»»»»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»»»»»» description	string	false	none	Gives a description of the tag tree
»»»»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»»»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»»»»»» systemId	integer	true	none	Unique internal id of the tag tree
»»»»»»» systemName	string	true	none	Unique name of the tag tree
»»»»»»» version	number	true	none	Version of the tag tree
»»»»»» systemId	integer	true	none	Unique internal id of the tag tree item
»»»»»» systemName	string	true	none	Unique name of the tag tree item
»»»»»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»»»»»» description	string	false	none	Gives a description of the tag tree
»»»»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»»»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»»»»»» systemId	integer	true	none	Unique internal id of the tag tree
»»»»»»» systemName	string	true	none	Unique name of the tag tree
»»»»»»» version	number	true	none	Version of the tag tree
»»»»»» conflictingStages	[tag_tree_item_schema]	false	none	The life stages that caused the stage to be ambiguous
»»»»»»» description	string	false	none	Gives a description of the tagTreeItem
»»»»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»»»»» systemId	integer	true	none	Unique internal id of the tag tree item
»»»»»»» systemName	string	true	none	Unique name of the tag tree item
»»»»»»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»»»»»»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»»»»»»» description	string	false	none	Gives a description of the tag tree
»»»»»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»»»»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»»»»»»» systemId	integer	true	none	Unique internal id of the tag tree
»»»»»»»» systemName	string	true	none	Unique name of the tag tree
»»»»»»»» version	number	true	none	Version of the tag tree
»»»»»»» contractDetails	[contract_details_schema]	false	none	The contracts that caused the detection of a life stage
»»»»»»»» amountMean	number	true	none	Mean payment among contract payments
»»»»»»»» customName	string	false	none	If there is no listed business partner found, a custom name is tried to be extracted from the transaction.
»»»»»»»» id	string	true	none	Unique Universal Identifier (UUID)
»»»»»»»» status	string	true	none	Status of contract (ACTIVE or NOT_ACTIVE)
»»»»»»»» tagTreeItemBusinessPartner	business_partner_tag_tree_item_schema	true	none	none
»»»»»»»»» addressCity	string	false	none	Address city of the business partner
»»»»»»»»» addressCountry	string	false	none	Address country of the business partner
»»»»»»»»» addressStreet	string	false	none	Address street incl. number of the business partner
»»»»»»»»» addressZip	string	false	none	Address zip/postal code of the business partner
»»»»»»»»» categories	[string]	false	none	Categories the business partner belongs to.
»»»»»»»»» creditorId	string	false	none	creditor id of the business partner
»»»»»»»»» description	string	false	none	Gives a description of the tagTreeItem
»»»»»»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»»»»»»» group	string	false	none	Group the business partner belongs to.
»»»»»»»»» systemId	integer	true	none	Unique internal id of the tag tree item
»»»»»»»»» systemName	string	true	none	Unique name of the tag tree item
»»»»»»»»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»»»»»»»»» description	string	false	none	Gives a description of the tag tree
»»»»»»»»»» displayName	string	true	none	User-friendly name shown to the end-users
»»»»»»»»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»»»»»»»»» systemId	integer	true	none	Unique internal id of the tag tree
»»»»»»»»»» systemName	string	true	none	Unique name of the tag tree
»»»»»»»»»» version	number	true	none	Version of the tag tree
»»»»»»»»» telephone	string	false	none	Telephone of the business partner
»»»»»»»»» website	string	false	none	Website of the business partner
»»»»»»»» tagTreeItemCategory	tag_tree_item_schema	true	none	none
»»»»»»»» tagTreeItemInsuranceType	tag_tree_item_schema	false	none	none
»»»»»»»» tagTreeItemPeriod	tag_tree_item_schema	true	none	none
»»»»»»» entity	entity_schema	true	none	none
»»»»»»» id	string	true	none	Unique Universal Identifier (UUID)
»»»»»»» relations	[relation_schema]	false	none	List of relations
»»»»»»» tagTreeItem	life_tag_tree_item_schema	true	none	none

Sales Triggers

Sales trigger detection of a user

Return sales triggers tags

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/ai/sales-triggers \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/ai/sales-triggers

This end-point runs contracts and life endpoints and returns sales triggers when conditions on these sales triggers are met for the specific user.

Sales Triggers are extendable on a tenant basis.

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
threshold	query	integer	false	Sales trigger savings potential: Threshold amount.

Example responses

200 Response

[
  {
    "entity": {
      "displayName": "USER",
      "entityClass": "USER",
      "id": "0b64d605-0483-4bae-8b12-fa26e313060b"
    },
    "id": "85b962ac-1e50-3d2f-3e83-bc577678ad55",
    "relations": [
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/",
        "rel": "tag_trees"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/5/",
        "rel": "tag_tree"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/5/tag-tree-items/",
        "rel": "tag_tree_items"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/5/tag-tree-items/247/",
        "rel": "tag_tree_item"
      }
    ],
    "tagTreeItem": {
      "description": "Trigger for a missing private liability insurance",
      "displayName": "Trigger für eine fehlende Privathaftpflichtversicherung",
      "systemId": 247,
      "systemName": "MISSING_INSURANCE_LIABILITY_PRIVATE",
      "systemNameParent": "MISSING",
      "tagTree": {
        "description": "Two level sales trigger tag tree.",
        "displayName": "Sales Trigger",
        "isClientGenerated": false,
        "systemId": 5,
        "systemName": "SALES_TRIGGERS",
        "version": 0.1
      }
    }
  }
]

Responses

Status	Meaning	Description	Schema
200	OK	Success	Inline
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[sales_triggers_tag_instance_schema]	false	none	none
» details	sales_triggers_tag_instance_details_schema	false	none	none
»» eventDate	string(date)	true	none	Date of the event
» entity	entity_schema	true	none	none
»» displayName	string	true	none	Display name of the entity
»» entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
»» id	string	true	none	Transaction UUID or USER UUID.
»» userId	string	false	none	UUID of the USER. Same as id field for USER entities.
» id	string	true	none	Unique Universal Identifier (UUID)
» relations	[relation_schema]	false	none	List of relations
»» href	string	true	none	Link of the relation
»» rel	string	true	none	Name of the relation
» tagTreeItem	tag_tree_item_schema	true	none	none
»» description	string	false	none	Gives a description of the tagTreeItem
»» displayName	string	true	none	User-friendly name shown to the end-users
»» systemId	integer	true	none	Unique internal id of the tag tree item
»» systemName	string	true	none	Unique name of the tag tree item
»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»» description	string	false	none	Gives a description of the tag tree
»»» displayName	string	true	none	User-friendly name shown to the end-users
»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»» systemId	integer	true	none	Unique internal id of the tag tree
»»» systemName	string	true	none	Unique name of the tag tree
»»» version	number	true	none	Version of the tag tree

Affordability

Affordability of a user

Return an affordability tag

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/ai/affordability \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/ai/affordability

Defines attributes to determine the affordability of a user.

The endpoint uses the results of various other endpoints and aggregates them to define several attributes, such as discretionary money or the amount a user spends on gambling activities, which should allow a confident decision whether a user can afford a certain product or service.

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request

Example responses

200 Response

{
  "details": {
    "creditCards": 0,
    "debtCollectionPayments": false,
    "discretionary": 3788.69,
    "discretionaryForIrregularLuxuries": 3609.48,
    "existingLoans": false,
    "expenses": {
      "amount": -1722.88,
      "luxuries": {
        "amount": -435.9,
        "irregular": {
          "amount": -216.57,
          "amountsPerTagTreeItem": [
            {
              "amount": -191.67,
              "tagTreeItem": {
                "description": "Transactions involving cash withdrawals at an ATM or a bank facility",
                "displayName": "Barauszahlung",
                "systemId": 2,
                "systemName": "BANKFINANCE_CASHWITHDRAWAL",
                "systemNameParent": "BANKFINANCE",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -12.22,
              "tagTreeItem": {
                "description": "Payments from eating out (e.g. restaurants, bars)",
                "displayName": "Ausgehen und Essen",
                "systemId": 83,
                "systemName": "RECREATION_FOODANDDRINKS",
                "systemNameParent": "RECREATION",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -2.99,
              "tagTreeItem": {
                "description": "Expenses for clothing and accessories",
                "displayName": "Kleidung und Accessoires",
                "systemId": 101,
                "systemName": "SHOPPING_CLOTHINGACCESSORIES",
                "systemNameParent": "SHOPPING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -6,
              "tagTreeItem": {
                "description": "Donations to charities",
                "displayName": "Spenden & Wohltätigkeit",
                "systemId": 65,
                "systemName": "LIVING_CHARITY",
                "systemNameParent": "LIVING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -1.58,
              "tagTreeItem": {
                "description": "Expenses related to child toys (e.g. buying toys at toysrus)",
                "displayName": "Spielwaren",
                "systemId": 25,
                "systemName": "FAMILY_TOYS",
                "systemNameParent": "FAMILY",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -1.82,
              "tagTreeItem": {
                "description": "Other transactions related to the subject of housing",
                "displayName": "Wohnen - Sonstiges",
                "systemId": 35,
                "systemName": "HOUSING_OTHER",
                "systemNameParent": "HOUSING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -0.29,
              "tagTreeItem": {
                "description": "Other transactions including living expenses",
                "displayName": "Lebenshaltung - Sonstiges",
                "systemId": 68,
                "systemName": "LIVING_OTHER",
                "systemNameParent": "LIVING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            }
          ]
        },
        "regular": {
          "amount": -179.21,
          "amountsPerTagTreeItem": [
            {
              "amount": -21.98,
              "tagTreeItem": {
                "description": "Expenses for music and video streaming as well as pay TV",
                "displayName": "Streaming und Pay-TV",
                "systemId": 115,
                "systemName": "RECREATION_STREAMING",
                "systemNameParent": "RECREATION",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -20,
              "tagTreeItem": {
                "description": "Transactions related to personal fitness and sports (e.g. monthly gym membership payments)",
                "displayName": "Sport und Fitness",
                "systemId": 89,
                "systemName": "RECREATION_SPORTS",
                "systemNameParent": "RECREATION",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -24.1,
              "tagTreeItem": {
                "description": "Payments related to a car insurance",
                "displayName": "KFZ-Versicherung",
                "systemId": 63,
                "systemName": "INSURANCE_VEHICLE",
                "systemNameParent": "INSURANCE",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -4.77,
              "tagTreeItem": {
                "description": "Payments related to a liability insurance contract",
                "displayName": "Haftpflichtversicherung",
                "systemId": 57,
                "systemName": "INSURANCE_LIABILITY",
                "systemNameParent": "INSURANCE",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -79.01,
              "tagTreeItem": {
                "description": "Payments related to a life insurance contract",
                "displayName": "Lebensversicherung",
                "systemId": 58,
                "systemName": "INSURANCE_LIFE",
                "systemNameParent": "INSURANCE",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -10.31,
              "tagTreeItem": {
                "description": "Payments from eating out (e.g. restaurants, bars)",
                "displayName": "Ausgehen und Essen",
                "systemId": 83,
                "systemName": "RECREATION_FOODANDDRINKS",
                "systemNameParent": "RECREATION",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -19.04,
              "tagTreeItem": {
                "description": "Payments related to an insurance contract covering legal expenses",
                "displayName": "Rechtsschutzversicherung",
                "systemId": 56,
                "systemName": "INSURANCE_LEGAL",
                "systemNameParent": "INSURANCE",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            }
          ]
        }
      },
      "necessities": {
        "amount": -1272.15,
        "irregular": {
          "amount": -94.02,
          "amountsPerTagTreeItem": [
            {
              "amount": -48.94,
              "tagTreeItem": {
                "description": "Payments from grocery shopping",
                "displayName": "Lebensmittel",
                "systemId": 67,
                "systemName": "LIVING_GROCERIES",
                "systemNameParent": "LIVING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -21.62,
              "tagTreeItem": {
                "description": "Payments from refueling at a gas station",
                "displayName": "Kraftstoffe und Schmiermittel",
                "systemId": 72,
                "systemName": "MOBILITY_FUEL",
                "systemNameParent": "MOBILITY",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -6.28,
              "tagTreeItem": {
                "description": "Payments for drugstore items (e.g. buying bath products)",
                "displayName": "Drogerie",
                "systemId": 66,
                "systemName": "LIVING_DRUGSTORE",
                "systemNameParent": "LIVING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -4.19,
              "tagTreeItem": {
                "description": "Business related interest or principal payments",
                "displayName": "Kredittilgung (geschäftlich)",
                "systemId": 144,
                "systemName": "BUSINESS_CREDITPAYMENT",
                "systemNameParent": "BUSINESS",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -7.38,
              "tagTreeItem": {
                "description": "Transactions involving payments for public radio and television",
                "displayName": "Öffentlich-rechtlicher Rundfunk",
                "systemId": 11,
                "systemName": "BILLS_PUBLICRADIO",
                "systemNameParent": "BILLS",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -5.61,
              "tagTreeItem": {
                "description": "Other transactions related to education",
                "displayName": "Bildungswesen - Sonstiges",
                "systemId": 16,
                "systemName": "EDUCATION_OTHER",
                "systemNameParent": "EDUCATION",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            }
          ]
        },
        "regular": {
          "amount": -1135.31,
          "amountsPerTagTreeItem": [
            {
              "amount": -17.5,
              "tagTreeItem": {
                "description": "Transactions involving payments for public radio and television",
                "displayName": "Öffentlich-rechtlicher Rundfunk",
                "systemId": 11,
                "systemName": "BILLS_PUBLICRADIO",
                "systemNameParent": "BILLS",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -2.53,
              "tagTreeItem": {
                "description": "Payments from refueling at a gas station",
                "displayName": "Kraftstoffe und Schmiermittel",
                "systemId": 72,
                "systemName": "MOBILITY_FUEL",
                "systemNameParent": "MOBILITY",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -0.9,
              "tagTreeItem": {
                "description": "Payments for drugstore items (e.g. buying bath products)",
                "displayName": "Drogerie",
                "systemId": 66,
                "systemName": "LIVING_DRUGSTORE",
                "systemNameParent": "LIVING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -56.82,
              "tagTreeItem": {
                "description": "Transactions involving payments for electricity and heating (e.g. to a municipal utility)",
                "displayName": "Energiekosten",
                "systemId": 9,
                "systemName": "BILLS_ENERGY",
                "systemNameParent": "BILLS",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -46.17,
              "tagTreeItem": {
                "description": "Payments to telecommunication providers for a mobile or fixed-line network connection",
                "displayName": "Internet und Telekommunikation",
                "systemId": 12,
                "systemName": "BILLS_TELECOMMUNICATIONS",
                "systemNameParent": "BILLS",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -66.6,
              "tagTreeItem": {
                "description": "Payments from using public transports",
                "displayName": "ÖPNV",
                "systemId": 75,
                "systemName": "MOBILITY_PUBLICTRANSPORT",
                "systemNameParent": "MOBILITY",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -944.79,
              "tagTreeItem": {
                "description": "Transactions involving payments to a tenant",
                "displayName": "Miete/Wohngeld",
                "systemId": 37,
                "systemName": "HOUSING_RENT",
                "systemNameParent": "HOUSING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            }
          ]
        }
      }
    },
    "financialLiteracy": false,
    "gambling": 0,
    "income": {
      "amount": 5060.84,
      "irregular": {
        "amount": 0,
        "amountsPerTagTreeItem": []
      },
      "regular": {
        "amount": 5060.84,
        "amountsPerTagTreeItem": [
          {
            "amount": 4856.84,
            "tagTreeItem": {
              "description": "Income from salary payments",
              "displayName": "Gehalt",
              "systemId": 49,
              "systemName": "INCOME_SALARY",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level categorization tree.",
                "displayName": "Kategorien",
                "isTenantGenerated": false,
                "systemId": 1,
                "systemName": "CATEGORIES",
                "version": 3.71
              }
            }
          },
          {
            "amount": 204,
            "tagTreeItem": {
              "description": "Income from gov. child benefits",
              "displayName": "Staatliche Förderung für Familie und Kinder",
              "systemId": 52,
              "systemName": "INCOME_STATEFAMILY",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level categorization tree.",
                "displayName": "Kategorien",
                "isTenantGenerated": false,
                "systemId": 1,
                "systemName": "CATEGORIES",
                "version": 3.71
              }
            }
          }
        ]
      }
    },
    "mortgagePayments": false,
    "mostRecentRentalPayment": "2023-06-15",
    "ratioExpensesToIncome": 0.34,
    "ratioLuxuriesToExpenses": 0.25,
    "ratioLuxuriesToIncome": 0.09,
    "ratioNecessitiesToExpenses": 0.74,
    "ratioNecessitiesToIncome": 0.25,
    "reminderCharges": false,
    "rentalPayments": true,
    "returnDebits": false,
    "savings": 3337.96,
    "seizurePayments": false
  },
  "entity": {
    "displayName": "BENUTZER",
    "entityClass": "USER",
    "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
    "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
  },
  "id": "1532bcd4-1b78-990f-5203-3e22a77bed2f",
  "relations": [
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/",
      "rel": "tag_trees"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/17/",
      "rel": "tag_tree"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/17/tag-tree-items/",
      "rel": "tag_tree_items"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/17/tag-tree-items/2/",
      "rel": "tag_tree_item"
    }
  ],
  "tagTreeItem": {
    "description": "Information about the affordability",
    "displayName": "Informationen über die Bezahlbarkeit",
    "systemId": 2,
    "systemName": "AFFORDABILITY_CHECK",
    "systemNameParent": "AFFORDABILITY",
    "tagTree": {
      "description": "Affordability tag tree with single parent and child tag.",
      "displayName": "Bezahlbarkeit",
      "isTenantGenerated": false,
      "systemId": 17,
      "systemName": "AFFORDABILITY",
      "version": 0.1
    }
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	affordability_tag_instance_schema
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Affinities

Affinities detection of a user

Return the affinities of a user

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/ai/affinities \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/ai/affinities

Detects all affinities of a user.

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request

Example responses

200 Response

[
  {
    "entity": {
      "displayName": "BENUTZER",
      "entityClass": "USER",
      "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
      "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
    },
    "id": "ddb071a9-980d-7f25-4bfe-4d8ecdc5140e",
    "relations": [
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/",
        "rel": "tag_trees"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/14/",
        "rel": "tag_tree"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/14/tag-tree-items/",
        "rel": "tag_tree_items"
      },
      {
        "href": "https://banksapi.io/tags/v1/tag-trees/14/tag-tree-items/1/",
        "rel": "tag_tree_item"
      }
    ],
    "tagTreeItem": {
      "description": "Sportive",
      "displayName": "Sportenthusiast*in",
      "systemId": 1,
      "systemName": "SPORTIVE",
      "tagTree": {
        "description": "Affinity detection tag tree.",
        "displayName": "Affinitäten",
        "isTenantGenerated": false,
        "systemId": 14,
        "systemName": "AFFINITIES",
        "version": 0.1
      }
    }
  }
]

Responses

Status	Meaning	Description	Schema
200	OK	Success	Inline
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[categorization_tag_instance_schema]	false	none	none
» details	categorization_tag_instance_details_schema	false	none	none
»» confidenceLevel	number	false	none	Confidence level between 0 and 1
» entity	entity_schema	true	none	none
»» displayName	string	true	none	Display name of the entity
»» entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
»» id	string	true	none	Transaction UUID or USER UUID.
»» userId	string	false	none	UUID of the USER. Same as id field for USER entities.
» id	string	true	none	Unique Universal Identifier (UUID)
» relations	[relation_schema]	false	none	List of relations
»» href	string	true	none	Link of the relation
»» rel	string	true	none	Name of the relation
» tagTreeItem	tag_tree_item_schema	true	none	none
»» description	string	false	none	Gives a description of the tagTreeItem
»» displayName	string	true	none	User-friendly name shown to the end-users
»» systemId	integer	true	none	Unique internal id of the tag tree item
»» systemName	string	true	none	Unique name of the tag tree item
»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»» description	string	false	none	Gives a description of the tag tree
»»» displayName	string	true	none	User-friendly name shown to the end-users
»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»» systemId	integer	true	none	Unique internal id of the tag tree
»»» systemName	string	true	none	Unique name of the tag tree
»»» version	number	true	none	Version of the tag tree

Credit Attributes

Credit worthiness of a user

Return credit attributes

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/ai/credit-attributes \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/ai/credit-attributes

Calculates and summarizes relevant financial attributes of the user that are relevant for credit risk estimation.

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request

Example responses

200 Response

{
  "assets": {
    "investments": [],
    "products": [
      {
        "balance": 2145.78,
        "bic": "XXX12345678",
        "creditDrawn": 100,
        "creditLimit": 2045.78,
        "currency": "EUR",
        "iban": "DE001234567890123456AI",
        "id": "ff165778-d633-5cc2-8aa2-331dd6c32c67",
        "lastUpdated": "2023-07-13 14:09:06",
        "name": "Girokonto",
        "overdraftLimit": 3000,
        "owner": "Li Wang",
        "providerId": "00000000-0000-0000-0000-000000000000",
        "providerName": "Demo Provider",
        "status": "VOLLSTAENDIG",
        "type": "GIROKONTO"
      }
    ]
  },
  "budget": {
    "expenses": {
      "fixedSpending": {
        "statistics": {
          "max": 1572.24,
          "mean": 1381.62,
          "median": 1376,
          "min": 1214.33
        }
      },
      "totalSpending": {
        "statistics": {
          "max": 2351.1,
          "mean": 1835.04,
          "median": 1744.18,
          "min": 1568.56
        }
      },
      "variableSpending": {
        "statistics": {
          "max": 1133.32,
          "mean": 453.42,
          "median": 363.29,
          "min": 35.19
        }
      }
    },
    "income": {
      "fixedIncome": {
        "contracts": [
          {
            "details": {
              "amountFirst": 204,
              "amountLatest": 204,
              "amountMaximum": 204,
              "amountMean": 204,
              "amountMedian": 204,
              "amountMinimum": 204,
              "amountNext": 204,
              "amountTotal": 2448,
              "amountTotalNonRegular": 0,
              "amountTotalRegular": 2448,
              "contractNumbers": [
                "KG237002FK188590"
              ],
              "costDevelopment": {
                "2022-08-09": 204,
                "2022-09-09": 204,
                "2022-10-09": 204,
                "2022-11-09": 204,
                "2022-12-09": 204,
                "2023-01-09": 204,
                "2023-02-09": 204,
                "2023-03-09": 204,
                "2023-04-09": 204,
                "2023-05-09": 204,
                "2023-06-09": 204,
                "2023-07-09": 204
              },
              "costDevelopmentRegular": {
                "2022-08-09": 204,
                "2022-09-09": 204,
                "2022-10-09": 204,
                "2022-11-09": 204,
                "2022-12-09": 204,
                "2023-01-09": 204,
                "2023-02-09": 204,
                "2023-03-09": 204,
                "2023-04-09": 204,
                "2023-05-09": 204,
                "2023-06-09": 204,
                "2023-07-09": 204
              },
              "counterpartyBic": "MARKDEF1760",
              "counterpartyIban": "DE077600000000760016",
              "counterpartyName": "Bundesagentur fur Arbeit - Familienkasse",
              "counterpartyNameUltimate": "",
              "customerNumbers": [],
              "dateFirst": "2022-08-09",
              "dateLatest": "2023-07-09",
              "dateNext": "2023-08-09",
              "dateStart": "2022-08-09",
              "daysAge": 338,
              "growthRate": 0,
              "standardDeviation": 0,
              "status": "ACTIVE",
              "transactionIds": [
                "1a62aff0-000b-60d0-2640-74a316284f9d",
                "1a6d95f0-0000-641c-bf53-2db3591ab06d",
                "1a7821f0-0001-9b0a-2660-e38301b800ae",
                "1a830bb0-0001-c336-b0ca-83d314fb0869",
                "1a8d97b0-0002-303c-d353-b3530898c32b",
                "1a987db0-0008-b365-0803-46933da9f3b6",
                "1aa363b0-0001-62d6-d412-4ed3b7c9bee7",
                "1aad3bb0-000d-e724-3973-9d834e69d713",
                "1ab81df0-0006-3328-0519-bcf3fe690f40",
                "1ac2a9f0-000a-e169-66db-3103739bef1b",
                "1acd8ff0-000f-f6b9-7e6b-0fe3927aca69",
                "1ad81bf0-000c-c8e0-a93b-09c35b3b31a5"
              ],
              "transactionIdsNonRegular": [],
              "transactionIdsRegular": [
                "1a62aff0-000b-60d0-2640-74a316284f9d",
                "1a6d95f0-0000-641c-bf53-2db3591ab06d",
                "1a7821f0-0001-9b0a-2660-e38301b800ae",
                "1a830bb0-0001-c336-b0ca-83d314fb0869",
                "1a8d97b0-0002-303c-d353-b3530898c32b",
                "1a987db0-0008-b365-0803-46933da9f3b6",
                "1aa363b0-0001-62d6-d412-4ed3b7c9bee7",
                "1aad3bb0-000d-e724-3973-9d834e69d713",
                "1ab81df0-0006-3328-0519-bcf3fe690f40",
                "1ac2a9f0-000a-e169-66db-3103739bef1b",
                "1acd8ff0-000f-f6b9-7e6b-0fe3927aca69",
                "1ad81bf0-000c-c8e0-a93b-09c35b3b31a5"
              ]
            },
            "entity": {
              "displayName": "BENUTZER",
              "entityClass": "USER",
              "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
              "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
            },
            "id": "ca60688a-2e44-e407-bad5-342adb4e5513",
            "tagTreeItemBusinessPartner": {
              "addressCity": "Nürnberg",
              "addressCountry": "Deutschland",
              "addressStreet": "Regensburger Straße 104",
              "addressZip": "90478",
              "categories": [],
              "displayName": "Bundesagentur für Arbeit (BA)",
              "systemId": 4392,
              "systemName": "Bundesagentur für Arbeit",
              "tagTree": {
                "description": "Single level tag tree of business partners.",
                "displayName": "Geschäftspartner",
                "isTenantGenerated": false,
                "systemId": 3,
                "systemName": "BUSINESS_PARTNERS",
                "version": 1.91
              },
              "telephone": "0911/179-0",
              "website": "https://www.arbeitsagentur.de/"
            },
            "tagTreeItemCategory": {
              "description": "Income from gov. child benefits",
              "displayName": "Staatliche Förderung für Familie und Kinder",
              "systemId": 52,
              "systemName": "INCOME_STATEFAMILY",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level categorization tree.",
                "displayName": "Kategorien",
                "isTenantGenerated": false,
                "systemId": 1,
                "systemName": "CATEGORIES",
                "version": 3.71
              }
            },
            "tagTreeItemInsuranceType": {
              "displayName": "Nicht versicherungsrelevant - Einnahmen",
              "systemId": 28,
              "systemName": "INCOME_UNRELATED",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level fine grained insurance categorization tag tree.",
                "displayName": "Versicherungsarten",
                "isTenantGenerated": false,
                "systemId": 2,
                "systemName": "INSURANCE_TYPES",
                "version": 2.41
              }
            },
            "tagTreeItemPeriod": {
              "description": "Period of a single month",
              "displayName": "Ein Monat",
              "systemId": 3,
              "systemName": "MONTH_ONE",
              "systemNameParent": "MONTH",
              "tagTree": {
                "description": "Two level periods tag tree.",
                "displayName": "Turnus",
                "isTenantGenerated": false,
                "systemId": 4,
                "systemName": "PERIODS",
                "version": 0.4
              }
            }
          }
        ],
        "statistics": {
          "max": 204,
          "mean": 204,
          "median": 204,
          "min": 204
        }
      },
      "salary": {
        "contracts": [
          {
            "details": {
              "amountFirst": 4856.84,
              "amountLatest": 4856.84,
              "amountMaximum": 4856.84,
              "amountMean": 4856.84,
              "amountMedian": 4856.84,
              "amountMinimum": 4856.84,
              "amountNext": 4856.84,
              "amountTotal": 33997.88,
              "amountTotalNonRegular": 0,
              "amountTotalRegular": 33997.88,
              "contractNumbers": [],
              "costDevelopment": {
                "2022-12-29": 4856.84,
                "2023-01-29": 4856.84,
                "2023-02-28": 4856.84,
                "2023-03-29": 4856.84,
                "2023-04-29": 4856.84,
                "2023-05-29": 4856.84,
                "2023-06-29": 4856.84
              },
              "costDevelopmentRegular": {
                "2022-12-29": 4856.84,
                "2023-01-29": 4856.84,
                "2023-02-28": 4856.84,
                "2023-03-29": 4856.84,
                "2023-04-29": 4856.84,
                "2023-05-29": 4856.84,
                "2023-06-29": 4856.84
              },
              "counterpartyBic": "",
              "counterpartyIban": "DE100456789",
              "counterpartyName": "The Company",
              "counterpartyNameUltimate": "",
              "customName": "The Company",
              "customerNumbers": [],
              "dateFirst": "2022-12-29",
              "dateLatest": "2023-06-29",
              "dateNext": "2023-07-31",
              "dateStart": "2022-12-29",
              "daysAge": 196,
              "growthRate": 0,
              "standardDeviation": 0,
              "status": "ACTIVE",
              "transactionIds": [
                "1a94b470-0005-4d21-b5e4-fc537ee85372",
                "1a9f9a70-000e-2df4-e7f3-3223b9baac33",
                "1aaa2670-0006-9b4a-6b2f-05d33a0bbdd7",
                "1ab454b0-0002-2408-739c-9213d5681020",
                "1abf3ab0-000b-e237-2a5e-68b3c43ab447",
                "1ac9c6b0-000d-fe59-053b-d563ba3a8ca7",
                "1ad4acb0-000b-fa2a-b232-4603c00a9efd"
              ],
              "transactionIdsNonRegular": [],
              "transactionIdsRegular": [
                "1a94b470-0005-4d21-b5e4-fc537ee85372",
                "1a9f9a70-000e-2df4-e7f3-3223b9baac33",
                "1aaa2670-0006-9b4a-6b2f-05d33a0bbdd7",
                "1ab454b0-0002-2408-739c-9213d5681020",
                "1abf3ab0-000b-e237-2a5e-68b3c43ab447",
                "1ac9c6b0-000d-fe59-053b-d563ba3a8ca7",
                "1ad4acb0-000b-fa2a-b232-4603c00a9efd"
              ]
            },
            "entity": {
              "displayName": "BENUTZER",
              "entityClass": "USER",
              "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
              "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
            },
            "id": "b54f1bd6-6367-f49c-9a0f-fd10c33528da",
            "tagTreeItemBusinessPartner": {
              "categories": [
                "OTHER_OTHER"
              ],
              "description": "Unknown business partner, for business partners with custom name",
              "displayName": "Unbekannter Geschäftspartner",
              "systemId": 4384,
              "systemName": "UNKNOWN",
              "tagTree": {
                "description": "Single level tag tree of business partners.",
                "displayName": "Geschäftspartner",
                "isTenantGenerated": false,
                "systemId": 3,
                "systemName": "BUSINESS_PARTNERS",
                "version": 1.91
              }
            },
            "tagTreeItemCategory": {
              "description": "Income from salary payments",
              "displayName": "Gehalt",
              "systemId": 49,
              "systemName": "INCOME_SALARY",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level categorization tree.",
                "displayName": "Kategorien",
                "isTenantGenerated": false,
                "systemId": 1,
                "systemName": "CATEGORIES",
                "version": 3.71
              }
            },
            "tagTreeItemInsuranceType": {
              "displayName": "Nicht versicherungsrelevant - Einnahmen",
              "systemId": 28,
              "systemName": "INCOME_UNRELATED",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level fine grained insurance categorization tag tree.",
                "displayName": "Versicherungsarten",
                "isTenantGenerated": false,
                "systemId": 2,
                "systemName": "INSURANCE_TYPES",
                "version": 2.41
              }
            },
            "tagTreeItemPeriod": {
              "description": "Period of a single month",
              "displayName": "Ein Monat",
              "systemId": 3,
              "systemName": "MONTH_ONE",
              "systemNameParent": "MONTH",
              "tagTree": {
                "description": "Two level periods tag tree.",
                "displayName": "Turnus",
                "isTenantGenerated": false,
                "systemId": 4,
                "systemName": "PERIODS",
                "version": 0.4
              }
            }
          }
        ],
        "lengthOfEmployment": 196,
        "statistics": {
          "max": 4856.84,
          "mean": 4856.84,
          "median": 4856.84,
          "min": 4856.84
        }
      },
      "totalIncome": {
        "statistics": {
          "max": 5060.84,
          "mean": 5060.84,
          "median": 5060.84,
          "min": 5060.84
        }
      },
      "variableIncome": {
        "statistics": {
          "max": 0,
          "mean": 0,
          "median": 0,
          "min": 0
        }
      },
      "windfalls": []
    },
    "net": {
      "positiveCashflowRatio": 1,
      "statistics": {
        "max": 3492.28,
        "mean": 3225.8,
        "median": 3316.66,
        "min": 2709.74
      }
    },
    "savings": {
      "statistics": {
        "max": 0,
        "mean": 0,
        "median": 0,
        "min": 0
      }
    }
  },
  "credit": {
    "financialCredit": {
      "activeContracts": [],
      "passiveContracts": []
    },
    "leasing": {
      "activeContracts": [],
      "passiveContracts": []
    },
    "mortgage": {
      "activeContracts": [],
      "passiveContracts": []
    }
  },
  "flags": {
    "creditCards": 0,
    "debtCollection": [],
    "reminderCharges": [],
    "returnedDebitNotes": [
      {
        "amount": 209.99,
        "id": "1a774880-0008-9131-7b07-fe333e8818a2",
        "postingDatetime": "2022-10-07 00:00:00",
        "product": "ff165778-d633-5cc2-8aa2-331dd6c32c67",
        "provider": "00000000-0000-0000-0000-000000000000",
        "tags": {
          "businessPartner": {
            "entity": {
              "displayName": "Kontoumsatz",
              "entityClass": "TRANSACTION",
              "id": "1a774880-0008-9131-7b07-fe333e8818a2",
              "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
            },
            "id": "24658f8f-bb91-b1af-f7e0-af8fff4a3fe9",
            "tagTreeItem": {
              "description": "Unknown business partner, for business partners with custom name",
              "displayName": "Unbekannter Geschäftspartner",
              "systemId": 4384,
              "systemName": "UNKNOWN",
              "tagTree": {
                "description": "Single level tag tree of business partners.",
                "displayName": "Geschäftspartner",
                "isTenantGenerated": false,
                "systemId": 3,
                "systemName": "BUSINESS_PARTNERS",
                "version": 1.91
              }
            }
          },
          "category": {
            "entity": {
              "displayName": "Kontoumsatz",
              "entityClass": "TRANSACTION",
              "id": "1a774880-0008-9131-7b07-fe333e8818a2",
              "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
            },
            "id": "9799df14-5082-6cef-588f-4573e7837266",
            "tagTreeItem": {
              "description": "Transactions involving failed debit payments that are returned.",
              "displayName": "Rücklastschriften",
              "systemId": 48,
              "systemName": "INCOME_RETURNDEBIT",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level categorization tree.",
                "displayName": "Kategorien",
                "isTenantGenerated": false,
                "systemId": 1,
                "systemName": "CATEGORIES",
                "version": 3.71
              }
            }
          },
          "insurance": {
            "entity": {
              "displayName": "Kontoumsatz",
              "entityClass": "TRANSACTION",
              "id": "1a774880-0008-9131-7b07-fe333e8818a2",
              "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
            },
            "id": "e7206a87-c43b-b9d7-c186-7bfd44019cc4",
            "tagTreeItem": {
              "displayName": "Nicht versicherungsrelevant - Einnahmen",
              "systemId": 28,
              "systemName": "INCOME_UNRELATED",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level fine grained insurance categorization tag tree.",
                "displayName": "Versicherungsarten",
                "isTenantGenerated": false,
                "systemId": 2,
                "systemName": "INSURANCE_TYPES",
                "version": 2.41
              }
            }
          }
        }
      }
    ],
    "riskyPayment": {
      "statistics": {
        "max": 0,
        "mean": 0,
        "median": 0,
        "min": 0
      }
    }
  },
  "lifeStages": {
    "housing": {
      "entity": {
        "displayName": "BENUTZER",
        "entityClass": "USER",
        "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
        "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
      },
      "id": "a6a99ea6-7ab8-18c1-8589-2e8a3bd0068f",
      "tagTreeItem": {
        "displayName": "Mieter",
        "domain": {
          "description": "The user's ownership status for their current home",
          "displayName": "Wohnsituation",
          "systemId": 4,
          "systemName": "HOUSING",
          "tagTree": {
            "description": "Tag tree for life domains",
            "displayName": "Lebensdomänen",
            "isTenantGenerated": false,
            "systemId": 10,
            "systemName": "LIFE_DOMAINS",
            "version": 0.3
          }
        },
        "systemId": 15,
        "systemName": "TENANCY",
        "tagTree": {
          "description": "Single level life stage tag tree.",
          "displayName": "Lebensphasen",
          "isTenantGenerated": false,
          "systemId": 12,
          "systemName": "LIFE_STAGES",
          "version": 0.6
        }
      }
    },
    "labourMarket": {
      "entity": {
        "displayName": "BENUTZER",
        "entityClass": "USER",
        "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
        "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
      },
      "id": "9cbd4983-42a0-0242-ffba-5b24ac035b30",
      "tagTreeItem": {
        "displayName": "Angestellt",
        "domain": {
          "description": "The user's state with respect to employment and education",
          "displayName": "Arbeitsmarkt",
          "systemId": 1,
          "systemName": "LABOUR_MARKET",
          "tagTree": {
            "description": "Tag tree for life domains",
            "displayName": "Lebensdomänen",
            "isTenantGenerated": false,
            "systemId": 10,
            "systemName": "LIFE_DOMAINS",
            "version": 0.3
          }
        },
        "systemId": 4,
        "systemName": "EMPLOYMENT",
        "tagTree": {
          "description": "Single level life stage tag tree.",
          "displayName": "Lebensphasen",
          "isTenantGenerated": false,
          "systemId": 12,
          "systemName": "LIFE_STAGES",
          "version": 0.6
        }
      }
    },
    "parenthood": {
      "entity": {
        "displayName": "BENUTZER",
        "entityClass": "USER",
        "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
        "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
      },
      "id": "3681c765-42f4-e77f-4794-39c300fe2a44",
      "tagTreeItem": {
        "displayName": "Elternteil",
        "domain": {
          "description": "The user's parental status",
          "displayName": "Elternschaft",
          "systemId": 2,
          "systemName": "PARENTHOOD",
          "tagTree": {
            "description": "Tag tree for life domains",
            "displayName": "Lebensdomänen",
            "isTenantGenerated": false,
            "systemId": 10,
            "systemName": "LIFE_DOMAINS",
            "version": 0.3
          }
        },
        "systemId": 7,
        "systemName": "PARENTHOOD",
        "tagTree": {
          "description": "Single level life stage tag tree.",
          "displayName": "Lebensphasen",
          "isTenantGenerated": false,
          "systemId": 12,
          "systemName": "LIFE_STAGES",
          "version": 0.6
        }
      }
    },
    "relationship": {}
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	credit_attributes_schema
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Credit Check

Check credit worthiness

DEPRECATED

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/ai/credit-check \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/ai/credit-check

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request

Example responses

200 Response

{
  "details": {
    "averageMonthlySalary": 1234.56,
    "existingLoans": true,
    "fixedIncome": true,
    "lengthOfEmployment": 65,
    "mortgagePayments": true,
    "ratioDeficitMonths": 0.5,
    "reminderCharges": true,
    "returnDebits": true,
    "riskyActivities": true
  },
  "entity": {
    "displayName": "Kontoumsatz",
    "entityClass": "TRANSACTION",
    "id": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
    "userId": "156ca508-c0e2-52c5-3202-8de20e7ed12b"
  },
  "id": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
  "relations": [
    {
      "href": "https://banksapi.io/tags/tag-trees/",
      "rel": "tag_trees"
    }
  ],
  "tagTreeItem": {
    "description": "Expenses from daily grocery purchases",
    "displayName": "Groceries",
    "systemId": 17,
    "systemName": "LIVING_GROCERIES",
    "systemNameParent": "LIVING",
    "tagTree": {
      "description": "Detailed inusrance categories.",
      "displayName": "Kategorien",
      "isTenantGenerated": true,
      "systemId": 1,
      "systemName": "CATEGORIES",
      "version": 1.5
    }
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	credit_check_tag_instance_schema
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Tagging Rules

Management of user specific rules

Delete rules

Code samples

## You can also use wget
curl -X DELETE https://banksapi.io/customer/v2/ai/tagging-rules \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

DELETE /customer/v2/ai/tagging-rules

Delete all existing categorization rules of a user without any filter.

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
tagTreeId	query	integer	false	ID of a tag tree. If missing, all rules are selected.

Responses

Status	Meaning	Description	Schema
204	No Content	Successfully deleted all rules.	None
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Get rules

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/ai/tagging-rules \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/ai/tagging-rules

Get a list of all categorization rules a specific user has. A rule consists of counterparty information (name and IBAN) and tag tree item information e.g. the tag tree item with the system name LIVING_GROCERIES of the tag tree with the system name CATEGORIES. All future transactions are categorized according to the existing rules if possible instead of running a categorization model.

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
tagTreeId	query	integer	false	ID of a tag tree. If missing, all rules are selected.

Example responses

200 Response

[
  {
    "counterpartyIban": "DE42500105174896827935",
    "counterpartyName": "Müller Drogerie",
    "id": "008a423d-ab1a-3785-17ff-d66e45b97f22",
    "tagTreeItem": {
      "description": "Payments from grocery shopping",
      "displayName": "Lebensmittel",
      "systemId": 67,
      "systemName": "LIVING_GROCERIES",
      "systemNameParent": "LIVING",
      "tagTree": {
        "description": "Two level categorization tree.",
        "displayName": "Kategorien",
        "isTenantGenerated": false,
        "systemId": 1,
        "systemName": "CATEGORIES",
        "version": 3.71
      }
    },
    "user": "0e3cb7d1-f17e-3924-4d78a-21d3590dfe58"
  }
]

Responses

Status	Meaning	Description	Schema
200	OK	Success	Inline
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[user_rule_schema]	false	none	none
» counterpartyIban	string	true	none	IBAN of the counterparty
» counterpartyName	string	true	none	Name of the counterparty
» id	string	true	none	ID of the rule
» tagTreeItem	tag_tree_item_schema	true	none	tag tree item to use for custom categorization
»» description	string	false	none	Gives a description of the tagTreeItem
»» displayName	string	true	none	User-friendly name shown to the end-users
»» systemId	integer	true	none	Unique internal id of the tag tree item
»» systemName	string	true	none	Unique name of the tag tree item
»» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
»» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»»» description	string	false	none	Gives a description of the tag tree
»»» displayName	string	true	none	User-friendly name shown to the end-users
»»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»»» systemId	integer	true	none	Unique internal id of the tag tree
»»» systemName	string	true	none	Unique name of the tag tree
»»» version	number	true	none	Version of the tag tree
»» tenant	string	true	none	ID of the tenant
»» user	string	true	none	ID of the user

Create rule

Code samples

## You can also use wget
curl -X POST https://banksapi.io/customer/v2/ai/tagging-rules \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

POST /customer/v2/ai/tagging-rules

Create a new rule according to the transaction information (more specifically the counterparty name and the counterparty iban) and a tag tree item.

It is not possible for a single user to create two rules with the same counterparty (name and IBAN are decisive).

It is not possible to change the tag tree item of an existing rule. Please delete the existing rule and create a new one with the new tag tree item.

It is not possible to create a rule if both counterparty name and counterparty IBAN do not exist.

Body parameter

{
  "properties": {
    "counterpartyIban": {
      "description": "IBAN of the counterparty",
      "example": "DE75512108001245126199",
      "type": "string"
    },
    "counterpartyName": {
      "description": "Name of the counterparty",
      "example": "ALLIANZ LV",
      "type": "string"
    },
    "tagTreeItem": {
      "allOf": [
        {
          "properties": {
            "systemId": {
              "example": 17,
              "type": "integer"
            },
            "systemName": {
              "example": "LIVING_GROCERIES",
              "type": "string"
            },
            "tagTree": {
              "properties": {
                "systemId": {
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "example": "CATEGORIES",
                  "type": "string"
                }
              },
              "required": [
                "systemName"
              ],
              "type": "object"
            }
          },
          "required": [
            "systemName",
            "tagTree"
          ],
          "type": "object"
        }
      ],
      "description": "tag tree item to use for custom categorization"
    }
  },
  "required": [
    "counterpartyIban",
    "counterpartyName",
    "tagTreeItem"
  ],
  "type": "object"
}

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
body	body	v3_connect_user_rule_input_schema	true	none

Example responses

200 Response

{
  "counterpartyIban": "DE42500105174896827935",
  "counterpartyName": "Müller Drogerie",
  "id": "008a423d-ab1a-3785-17ff-d66e45b97f22",
  "tagTreeItem": {
    "description": "Payments from grocery shopping",
    "displayName": "Lebensmittel",
    "systemId": 67,
    "systemName": "LIVING_GROCERIES",
    "systemNameParent": "LIVING",
    "tagTree": {
      "description": "Two level categorization tree.",
      "displayName": "Kategorien",
      "isTenantGenerated": false,
      "systemId": 1,
      "systemName": "CATEGORIES",
      "version": 3.71
    }
  },
  "user": "0e3cb7d1-f17e-3924-4d78a-21d3590dfe58"
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	user_rule_schema
201	Created	Successfully created a rule.	user_rule_schema
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
409	Conflict	Conflict	None
422	Unprocessable Entity	UnprocessableEntity	None
500	Internal Server Error	InternalServerError	None

Delete rule

Code samples

## You can also use wget
curl -X DELETE https://banksapi.io/customer/v2/ai/tagging-rules/{ruleId} \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

DELETE /customer/v2/ai/tagging-rules/{ruleId}

Delete a specific categorization rule of a user by ID. To find out the ids get all existing rules of the user with GET. To delete all existing rules of a user use DELETE without ID.

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
ruleId	path	string	true	ID of an existing rule

Responses

Status	Meaning	Description	Schema
204	No Content	Successfully deleted rule.	None
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
404	Not Found	Rule does not exist.	None
500	Internal Server Error	InternalServerError	None

Get rule

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/ai/tagging-rules/{ruleId} \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/ai/tagging-rules/{ruleId}

Get a specific categorization rule of a specific user by ID. To get all existing rules of a user use the endpoint without the ID.

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
ruleId	path	string	true	ID of an existing rule

Example responses

200 Response

{
  "counterpartyIban": "DE42500105174896827935",
  "counterpartyName": "Müller Drogerie",
  "id": "008a423d-ab1a-3785-17ff-d66e45b97f22",
  "tagTreeItem": {
    "description": "Payments from grocery shopping",
    "displayName": "Lebensmittel",
    "systemId": 67,
    "systemName": "LIVING_GROCERIES",
    "systemNameParent": "LIVING",
    "tagTree": {
      "description": "Two level categorization tree.",
      "displayName": "Kategorien",
      "isTenantGenerated": false,
      "systemId": 1,
      "systemName": "CATEGORIES",
      "version": 3.71
    }
  },
  "user": "0e3cb7d1-f17e-3924-4d78a-21d3590dfe58"
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	user_rule_schema
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
404	Not Found	Rule does not exist.	None
500	Internal Server Error	InternalServerError	None

Categories V1

General categorization of transactions version 1

DEPRECATED

Code samples

## You can also use wget
curl -X GET https://banksapi.io/customer/v2/bankzugaenge/{accessId}/{productId}/kontoumsaetze?categorize=true \
  -H 'Accept: application/json' \
  -H 'x-correlation-id: {x-correlation-id}' \
  -H 'Authorization: Bearer {access-token}'

GET /customer/v2/bankzugaenge/{accessId}/{productId}/kontoumsaetze?categorize=true

Parameters

Name	In	Type	Required	Description
x-correlation-id	header	string	false	ID used to track end-to-end processing of the request
accessId	path	string	true	ID of the bank access
productId	path	string	true	ID of the bank product

Example responses

200 Response

[
  {
    "betrag": -3.94,
    "buchungsdatum": "2020-03-01 10:00",
    "buchungstext": "Lastschrift",
    "gegenkontoBic": "PBNKDEFF",
    "gegenkontoIban": "DE75512108001245126199",
    "gegenkontoInhaber": "Erika Musterfrau",
    "gvCode": "082",
    "hash": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
    "id": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
    "primanotaNummer": "999001",
    "product": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
    "provider": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
    "tags": [
      {
        "category": "LIVING_GROCERIES",
        "confidenceLevel": 0.95,
        "displayName": "Lebensmittel",
        "parent": "LIVING",
        "parentCategory": "LIVING",
        "systemName": "LIVING_GROCERIES",
        "tagId": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
        "tagScope": "transaction",
        "tagType": "CATEGORY",
        "tagVersion": "1.5"
      }
    ],
    "tenant": "1bcb487e-f409-4438-a358-d8d128581761",
    "user": "624ca509-b0f2-42f6-b202-8de20e9ed12a",
    "verwendungszweck": "Miete 2020 03 Wohnung 123 Bahnhofsstraße 1",
    "wertstellungsdatum": "2020-03-01 10:00"
  }
]

Responses

Status	Meaning	Description	Schema
200	OK	Success	Inline
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
500	Internal Server Error	InternalServerError	None

Response Schema

Status Code 200

Name	Type	Required	Restrictions	Description
anonymous	[v1_output]	false	none	none
» betrag	number	true	none	Amount in Euros
» buchungsdatum	string	true	none	Date the transaction was initiated in yyyy-mm-dd HH:MM format
» buchungstext	string	false	none	Text entered during posting
» gegenkontoBic	string	false	none	BIC of the counterparty
» gegenkontoIban	string	false	none	IBAN of the counterparty
» gegenkontoInhaber	string	false	none	Name of the counterparty
» gvCode	string	false	none	SEPA GV Code (Geschäftsvorfallcode)
» hash	string	false	none	Hash value for historical ordering
» id	string	true	none	Unique Universal Identifier (UUID)
» primanotaNummer	string	false	none	Id used by the bank
» product	string	true	none	Account which the transaction is associated with
» provider	string	true	none	Id of the bank
» tags	[v1_tag]	false	none	List of tags of the transaction
»» category	string	true	none	Unique name used by the API, similar to systemId.
»» confidenceLevel	number	false	none	Probability that the tag is correct.
»» displayName	string	true	none	User friendly local name.
»» parent	string	false	none	systemName of the tag's parent.
»» parentCategory	string	false	none	systemName of the tag's parent.
»» systemName	string	true	none	Unique name used by the API, similar to systemId.
»» tagId	string	false	none	Unique Universal Identifier (UUID)
»» tagScope	string	false	none	Object of the tag, user or transaction
»» tagType	string	false	none	Type of the tag
»» tagVersion	string	true	none	Version of the tag tree
» tenant	string	true	none	Tenant ID to which the transaction belongs
» user	string	true	none	Universally Unique Identifier of the user
» verwendungszweck	string	true	none	Text entered during posting
» wertstellungsdatum	string	false	none	Financial booking date in in yyyy-mm-dd HH:MM format.

Schemas

affordability_amount_tti_schema

{
  "properties": {
    "amount": {
      "description": "Total amount",
      "example": 34.4,
      "type": "number"
    },
    "tagTreeItem": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    }
  },
  "required": [
    "amount",
    "tagTreeItem"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
amount	number	true	none	Total amount
tagTreeItem	tag_tree_item_schema	true	none	none

affordability_expenses_schema

{
  "properties": {
    "amount": {
      "description": "Total amount",
      "example": 34.4,
      "type": "number"
    },
    "luxuries": {
      "allOf": [
        {
          "properties": {
            "amount": {
              "description": "Total amount",
              "example": 34.4,
              "type": "number"
            },
            "irregular": {
              "allOf": [
                {
                  "properties": {
                    "amount": {
                      "description": "Total amount",
                      "example": 34.4,
                      "type": "number"
                    },
                    "amountsPerTagTreeItem": {
                      "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
                      "items": {
                        "properties": {
                          "amount": {
                            "description": "Total amount",
                            "example": 34.4,
                            "type": "number"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "amount",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      },
                      "type": "array"
                    }
                  },
                  "required": [
                    "amount",
                    "amountsPerTagTreeItem"
                  ],
                  "type": "object"
                }
              ],
              "description": "Expected average monthly income/expenses based on irregular transactions. Regular income/expenses not included."
            },
            "regular": {
              "allOf": [
                {
                  "properties": {
                    "amount": {
                      "description": "Total amount",
                      "example": 34.4,
                      "type": "number"
                    },
                    "amountsPerTagTreeItem": {
                      "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
                      "items": {
                        "properties": {
                          "amount": {
                            "description": "Total amount",
                            "example": 34.4,
                            "type": "number"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "amount",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      },
                      "type": "array"
                    }
                  },
                  "required": [
                    "amount",
                    "amountsPerTagTreeItem"
                  ],
                  "type": "object"
                }
              ],
              "description": "Expected average monthly income/expenses based on regularly recurring transactions including contracts. Irregular income/expenses not included."
            }
          },
          "required": [
            "amount"
          ],
          "type": "object"
        }
      ],
      "description": "Expected average monthly expenses for luxuries based on regularly recurring payments including contract payments (e.g. for streaming services) and irregular payments (e.g. travel costs)."
    },
    "necessities": {
      "allOf": [
        {
          "properties": {
            "amount": {
              "description": "Total amount",
              "example": 34.4,
              "type": "number"
            },
            "irregular": {
              "allOf": [
                {
                  "properties": {
                    "amount": {
                      "description": "Total amount",
                      "example": 34.4,
                      "type": "number"
                    },
                    "amountsPerTagTreeItem": {
                      "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
                      "items": {
                        "properties": {
                          "amount": {
                            "description": "Total amount",
                            "example": 34.4,
                            "type": "number"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "amount",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      },
                      "type": "array"
                    }
                  },
                  "required": [
                    "amount",
                    "amountsPerTagTreeItem"
                  ],
                  "type": "object"
                }
              ],
              "description": "Expected average monthly income/expenses based on irregular transactions. Regular income/expenses not included."
            },
            "regular": {
              "allOf": [
                {
                  "properties": {
                    "amount": {
                      "description": "Total amount",
                      "example": 34.4,
                      "type": "number"
                    },
                    "amountsPerTagTreeItem": {
                      "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
                      "items": {
                        "properties": {
                          "amount": {
                            "description": "Total amount",
                            "example": 34.4,
                            "type": "number"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "amount",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      },
                      "type": "array"
                    }
                  },
                  "required": [
                    "amount",
                    "amountsPerTagTreeItem"
                  ],
                  "type": "object"
                }
              ],
              "description": "Expected average monthly income/expenses based on regularly recurring transactions including contracts. Irregular income/expenses not included."
            }
          },
          "required": [
            "amount"
          ],
          "type": "object"
        }
      ],
      "description": "Expected average monthly expenses for necessities based on regularly recurring payments including contract payments and irregular payments for living costs such as groceries."
    }
  },
  "required": [
    "amount"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
amount	number	true	none	Total amount
luxuries	affordability_regular_irregular_schema	false	none	Expected average monthly expenses for luxuries based on regularly recurring payments including contract payments (e.g. for streaming services) and irregular payments (e.g. travel costs).
necessities	affordability_regular_irregular_schema	false	none	Expected average monthly expenses for necessities based on regularly recurring payments including contract payments and irregular payments for living costs such as groceries.

affordability_regular_irregular_schema

{
  "properties": {
    "amount": {
      "description": "Total amount",
      "example": 34.4,
      "type": "number"
    },
    "irregular": {
      "allOf": [
        {
          "properties": {
            "amount": {
              "description": "Total amount",
              "example": 34.4,
              "type": "number"
            },
            "amountsPerTagTreeItem": {
              "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
              "items": {
                "properties": {
                  "amount": {
                    "description": "Total amount",
                    "example": 34.4,
                    "type": "number"
                  },
                  "tagTreeItem": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                },
                "required": [
                  "amount",
                  "tagTreeItem"
                ],
                "type": "object"
              },
              "type": "array"
            }
          },
          "required": [
            "amount",
            "amountsPerTagTreeItem"
          ],
          "type": "object"
        }
      ],
      "description": "Expected average monthly income/expenses based on irregular transactions. Regular income/expenses not included."
    },
    "regular": {
      "allOf": [
        {
          "properties": {
            "amount": {
              "description": "Total amount",
              "example": 34.4,
              "type": "number"
            },
            "amountsPerTagTreeItem": {
              "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
              "items": {
                "properties": {
                  "amount": {
                    "description": "Total amount",
                    "example": 34.4,
                    "type": "number"
                  },
                  "tagTreeItem": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                },
                "required": [
                  "amount",
                  "tagTreeItem"
                ],
                "type": "object"
              },
              "type": "array"
            }
          },
          "required": [
            "amount",
            "amountsPerTagTreeItem"
          ],
          "type": "object"
        }
      ],
      "description": "Expected average monthly income/expenses based on regularly recurring transactions including contracts. Irregular income/expenses not included."
    }
  },
  "required": [
    "amount"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
amount	number	true	none	Total amount
irregular	affordability_regular_or_irregular_schema	false	none	Expected average monthly income/expenses based on irregular transactions. Regular income/expenses not included.
regular	affordability_regular_or_irregular_schema	false	none	Expected average monthly income/expenses based on regularly recurring transactions including contracts. Irregular income/expenses not included.

affordability_regular_or_irregular_schema

{
  "properties": {
    "amount": {
      "description": "Total amount",
      "example": 34.4,
      "type": "number"
    },
    "amountsPerTagTreeItem": {
      "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
      "items": {
        "properties": {
          "amount": {
            "description": "Total amount",
            "example": 34.4,
            "type": "number"
          },
          "tagTreeItem": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          }
        },
        "required": [
          "amount",
          "tagTreeItem"
        ],
        "type": "object"
      },
      "type": "array"
    }
  },
  "required": [
    "amount",
    "amountsPerTagTreeItem"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
amount	number	true	none	Total amount
amountsPerTagTreeItem	[affordability_amount_tti_schema]	true	none	Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.

affordability_tag_instance_details_schema

{
  "properties": {
    "creditCards": {
      "description": "Number of existing credit cards.",
      "example": 3,
      "minimum": 0,
      "type": "integer"
    },
    "debtCollectionPayments": {
      "description": "Whether reminder charges transactions exist in the recent past.",
      "example": false,
      "type": "boolean"
    },
    "discretionary": {
      "description": "Expected amount available monthly to spend on luxuries. Calculation based on expected necessity expenses and expected income.",
      "example": 459.4,
      "type": "number"
    },
    "discretionaryForIrregularLuxuries": {
      "description": "Expected amount available monthly to spend on luxuries besides existing regularly  recurring expenses including contracts. Calculation based on expected necessity expenses and income (discretionary) as well as expected regularly recurring expenses for luxury including contracts.",
      "example": 345.36,
      "type": "number"
    },
    "existingLoans": {
      "description": "Whether active loans exist or not.",
      "example": false,
      "type": "boolean"
    },
    "expenses": {
      "allOf": [
        {
          "properties": {
            "amount": {
              "description": "Total amount",
              "example": 34.4,
              "type": "number"
            },
            "luxuries": {
              "allOf": [
                {
                  "properties": {
                    "amount": {
                      "description": "Total amount",
                      "example": 34.4,
                      "type": "number"
                    },
                    "irregular": {
                      "allOf": [
                        {
                          "properties": {
                            "amount": {
                              "description": "Total amount",
                              "example": 34.4,
                              "type": "number"
                            },
                            "amountsPerTagTreeItem": {
                              "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
                              "items": {
                                "properties": {
                                  "amount": {
                                    "description": "Total amount",
                                    "example": 34.4,
                                    "type": "number"
                                  },
                                  "tagTreeItem": {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tagTreeItem",
                                        "example": "Expenses from daily grocery purchases",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Groceries",
                                        "type": "string"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree item",
                                        "example": 17,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree item",
                                        "example": "LIVING_GROCERIES",
                                        "type": "string"
                                      },
                                      "systemNameParent": {
                                        "description": "Unique name of the parent of the tagTreeItem",
                                        "example": "LIVING",
                                        "type": "string"
                                      },
                                      "tagTree": {
                                        "allOf": [
                                          {
                                            "properties": {
                                              "description": {
                                                "description": "Gives a description of the tag tree",
                                                "example": "Detailed inusrance categories.",
                                                "type": "string"
                                              },
                                              "displayName": {
                                                "description": "User-friendly name shown to the end-users",
                                                "example": "Kategorien",
                                                "type": "string"
                                              },
                                              "isTenantGenerated": {
                                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                                "example": true,
                                                "type": "boolean"
                                              },
                                              "systemId": {
                                                "description": "Unique internal id of the tag tree",
                                                "example": 1,
                                                "type": "integer"
                                              },
                                              "systemName": {
                                                "description": "Unique name of the tag tree",
                                                "example": "CATEGORIES",
                                                "type": "string"
                                              },
                                              "version": {
                                                "description": "Version of the tag tree",
                                                "example": 1.5,
                                                "minimum": 0,
                                                "type": "number"
                                              }
                                            },
                                            "required": [
                                              "displayName",
                                              "isTenantGenerated",
                                              "systemId",
                                              "systemName",
                                              "version"
                                            ],
                                            "type": "object"
                                          }
                                        ],
                                        "description": "tagTree that the tagTreeItem belongs to"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "systemId",
                                      "systemName",
                                      "tagTree"
                                    ],
                                    "type": "object"
                                  }
                                },
                                "required": [
                                  "amount",
                                  "tagTreeItem"
                                ],
                                "type": "object"
                              },
                              "type": "array"
                            }
                          },
                          "required": [
                            "amount",
                            "amountsPerTagTreeItem"
                          ],
                          "type": "object"
                        }
                      ],
                      "description": "Expected average monthly income/expenses based on irregular transactions. Regular income/expenses not included."
                    },
                    "regular": {
                      "allOf": [
                        {
                          "properties": {
                            "amount": {
                              "description": "Total amount",
                              "example": 34.4,
                              "type": "number"
                            },
                            "amountsPerTagTreeItem": {
                              "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
                              "items": {
                                "properties": {
                                  "amount": {
                                    "description": "Total amount",
                                    "example": 34.4,
                                    "type": "number"
                                  },
                                  "tagTreeItem": {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tagTreeItem",
                                        "example": "Expenses from daily grocery purchases",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Groceries",
                                        "type": "string"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree item",
                                        "example": 17,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree item",
                                        "example": "LIVING_GROCERIES",
                                        "type": "string"
                                      },
                                      "systemNameParent": {
                                        "description": "Unique name of the parent of the tagTreeItem",
                                        "example": "LIVING",
                                        "type": "string"
                                      },
                                      "tagTree": {
                                        "allOf": [
                                          {
                                            "properties": {
                                              "description": {
                                                "description": "Gives a description of the tag tree",
                                                "example": "Detailed inusrance categories.",
                                                "type": "string"
                                              },
                                              "displayName": {
                                                "description": "User-friendly name shown to the end-users",
                                                "example": "Kategorien",
                                                "type": "string"
                                              },
                                              "isTenantGenerated": {
                                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                                "example": true,
                                                "type": "boolean"
                                              },
                                              "systemId": {
                                                "description": "Unique internal id of the tag tree",
                                                "example": 1,
                                                "type": "integer"
                                              },
                                              "systemName": {
                                                "description": "Unique name of the tag tree",
                                                "example": "CATEGORIES",
                                                "type": "string"
                                              },
                                              "version": {
                                                "description": "Version of the tag tree",
                                                "example": 1.5,
                                                "minimum": 0,
                                                "type": "number"
                                              }
                                            },
                                            "required": [
                                              "displayName",
                                              "isTenantGenerated",
                                              "systemId",
                                              "systemName",
                                              "version"
                                            ],
                                            "type": "object"
                                          }
                                        ],
                                        "description": "tagTree that the tagTreeItem belongs to"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "systemId",
                                      "systemName",
                                      "tagTree"
                                    ],
                                    "type": "object"
                                  }
                                },
                                "required": [
                                  "amount",
                                  "tagTreeItem"
                                ],
                                "type": "object"
                              },
                              "type": "array"
                            }
                          },
                          "required": [
                            "amount",
                            "amountsPerTagTreeItem"
                          ],
                          "type": "object"
                        }
                      ],
                      "description": "Expected average monthly income/expenses based on regularly recurring transactions including contracts. Irregular income/expenses not included."
                    }
                  },
                  "required": [
                    "amount"
                  ],
                  "type": "object"
                }
              ],
              "description": "Expected average monthly expenses for luxuries based on regularly recurring payments including contract payments (e.g. for streaming services) and irregular payments (e.g. travel costs)."
            },
            "necessities": {
              "allOf": [
                {
                  "properties": {
                    "amount": {
                      "description": "Total amount",
                      "example": 34.4,
                      "type": "number"
                    },
                    "irregular": {
                      "allOf": [
                        {
                          "properties": {
                            "amount": {
                              "description": "Total amount",
                              "example": 34.4,
                              "type": "number"
                            },
                            "amountsPerTagTreeItem": {
                              "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
                              "items": {
                                "properties": {
                                  "amount": {
                                    "description": "Total amount",
                                    "example": 34.4,
                                    "type": "number"
                                  },
                                  "tagTreeItem": {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tagTreeItem",
                                        "example": "Expenses from daily grocery purchases",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Groceries",
                                        "type": "string"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree item",
                                        "example": 17,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree item",
                                        "example": "LIVING_GROCERIES",
                                        "type": "string"
                                      },
                                      "systemNameParent": {
                                        "description": "Unique name of the parent of the tagTreeItem",
                                        "example": "LIVING",
                                        "type": "string"
                                      },
                                      "tagTree": {
                                        "allOf": [
                                          {
                                            "properties": {
                                              "description": {
                                                "description": "Gives a description of the tag tree",
                                                "example": "Detailed inusrance categories.",
                                                "type": "string"
                                              },
                                              "displayName": {
                                                "description": "User-friendly name shown to the end-users",
                                                "example": "Kategorien",
                                                "type": "string"
                                              },
                                              "isTenantGenerated": {
                                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                                "example": true,
                                                "type": "boolean"
                                              },
                                              "systemId": {
                                                "description": "Unique internal id of the tag tree",
                                                "example": 1,
                                                "type": "integer"
                                              },
                                              "systemName": {
                                                "description": "Unique name of the tag tree",
                                                "example": "CATEGORIES",
                                                "type": "string"
                                              },
                                              "version": {
                                                "description": "Version of the tag tree",
                                                "example": 1.5,
                                                "minimum": 0,
                                                "type": "number"
                                              }
                                            },
                                            "required": [
                                              "displayName",
                                              "isTenantGenerated",
                                              "systemId",
                                              "systemName",
                                              "version"
                                            ],
                                            "type": "object"
                                          }
                                        ],
                                        "description": "tagTree that the tagTreeItem belongs to"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "systemId",
                                      "systemName",
                                      "tagTree"
                                    ],
                                    "type": "object"
                                  }
                                },
                                "required": [
                                  "amount",
                                  "tagTreeItem"
                                ],
                                "type": "object"
                              },
                              "type": "array"
                            }
                          },
                          "required": [
                            "amount",
                            "amountsPerTagTreeItem"
                          ],
                          "type": "object"
                        }
                      ],
                      "description": "Expected average monthly income/expenses based on irregular transactions. Regular income/expenses not included."
                    },
                    "regular": {
                      "allOf": [
                        {
                          "properties": {
                            "amount": {
                              "description": "Total amount",
                              "example": 34.4,
                              "type": "number"
                            },
                            "amountsPerTagTreeItem": {
                              "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
                              "items": {
                                "properties": {
                                  "amount": {
                                    "description": "Total amount",
                                    "example": 34.4,
                                    "type": "number"
                                  },
                                  "tagTreeItem": {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tagTreeItem",
                                        "example": "Expenses from daily grocery purchases",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Groceries",
                                        "type": "string"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree item",
                                        "example": 17,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree item",
                                        "example": "LIVING_GROCERIES",
                                        "type": "string"
                                      },
                                      "systemNameParent": {
                                        "description": "Unique name of the parent of the tagTreeItem",
                                        "example": "LIVING",
                                        "type": "string"
                                      },
                                      "tagTree": {
                                        "allOf": [
                                          {
                                            "properties": {
                                              "description": {
                                                "description": "Gives a description of the tag tree",
                                                "example": "Detailed inusrance categories.",
                                                "type": "string"
                                              },
                                              "displayName": {
                                                "description": "User-friendly name shown to the end-users",
                                                "example": "Kategorien",
                                                "type": "string"
                                              },
                                              "isTenantGenerated": {
                                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                                "example": true,
                                                "type": "boolean"
                                              },
                                              "systemId": {
                                                "description": "Unique internal id of the tag tree",
                                                "example": 1,
                                                "type": "integer"
                                              },
                                              "systemName": {
                                                "description": "Unique name of the tag tree",
                                                "example": "CATEGORIES",
                                                "type": "string"
                                              },
                                              "version": {
                                                "description": "Version of the tag tree",
                                                "example": 1.5,
                                                "minimum": 0,
                                                "type": "number"
                                              }
                                            },
                                            "required": [
                                              "displayName",
                                              "isTenantGenerated",
                                              "systemId",
                                              "systemName",
                                              "version"
                                            ],
                                            "type": "object"
                                          }
                                        ],
                                        "description": "tagTree that the tagTreeItem belongs to"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "systemId",
                                      "systemName",
                                      "tagTree"
                                    ],
                                    "type": "object"
                                  }
                                },
                                "required": [
                                  "amount",
                                  "tagTreeItem"
                                ],
                                "type": "object"
                              },
                              "type": "array"
                            }
                          },
                          "required": [
                            "amount",
                            "amountsPerTagTreeItem"
                          ],
                          "type": "object"
                        }
                      ],
                      "description": "Expected average monthly income/expenses based on regularly recurring transactions including contracts. Irregular income/expenses not included."
                    }
                  },
                  "required": [
                    "amount"
                  ],
                  "type": "object"
                }
              ],
              "description": "Expected average monthly expenses for necessities based on regularly recurring payments including contract payments and irregular payments for living costs such as groceries."
            }
          },
          "required": [
            "amount"
          ],
          "type": "object"
        }
      ],
      "description": "Expected average monthly expenses."
    },
    "financialLiteracy": {
      "description": "The user has knowledge of various financial skills. Computation takes, among other things, the number of banking products, investments and insurances into account.",
      "example": true,
      "type": "boolean"
    },
    "gambling": {
      "description": "Expected amount spend for gambling activities.",
      "example": 34.4,
      "minimum": 0,
      "type": "number"
    },
    "income": {
      "allOf": [
        {
          "properties": {
            "amount": {
              "description": "Total amount",
              "example": 34.4,
              "type": "number"
            },
            "irregular": {
              "allOf": [
                {
                  "properties": {
                    "amount": {
                      "description": "Total amount",
                      "example": 34.4,
                      "type": "number"
                    },
                    "amountsPerTagTreeItem": {
                      "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
                      "items": {
                        "properties": {
                          "amount": {
                            "description": "Total amount",
                            "example": 34.4,
                            "type": "number"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "amount",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      },
                      "type": "array"
                    }
                  },
                  "required": [
                    "amount",
                    "amountsPerTagTreeItem"
                  ],
                  "type": "object"
                }
              ],
              "description": "Expected average monthly income/expenses based on irregular transactions. Regular income/expenses not included."
            },
            "regular": {
              "allOf": [
                {
                  "properties": {
                    "amount": {
                      "description": "Total amount",
                      "example": 34.4,
                      "type": "number"
                    },
                    "amountsPerTagTreeItem": {
                      "description": "Expected average monthly income/expenses based on irregularl/regular transactions for each tag tree item.",
                      "items": {
                        "properties": {
                          "amount": {
                            "description": "Total amount",
                            "example": 34.4,
                            "type": "number"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "amount",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      },
                      "type": "array"
                    }
                  },
                  "required": [
                    "amount",
                    "amountsPerTagTreeItem"
                  ],
                  "type": "object"
                }
              ],
              "description": "Expected average monthly income/expenses based on regularly recurring transactions including contracts. Irregular income/expenses not included."
            }
          },
          "required": [
            "amount"
          ],
          "type": "object"
        }
      ],
      "description": "Expected average monthly income."
    },
    "mortgagePayments": {
      "description": "Whether at least one transaction related to a mortgage in the recent  past exists or not.",
      "example": false,
      "type": "boolean"
    },
    "mostRecentRentalPayment": {
      "description": "Date of the most recent rental payment of an active rental contract. Returned if rentalPayments is True.",
      "example": "2022-02-27",
      "format": "date",
      "type": "string"
    },
    "ratioExpensesToIncome": {
      "description": "Ratio of expenses to income.",
      "example": 0.86,
      "minimum": 0,
      "type": "number"
    },
    "ratioGamblingToDiscretionaryForIrregularLuxuries": {
      "description": "Ratio of gambling expenses to discretionary for irregular luxuries. Regular gambling expenses are currently included in the computation of discretionary for irregular luxuries here. This might lead to a low ratio even though gambling expenses are high.",
      "example": 0.27,
      "type": "number"
    },
    "ratioLuxuriesToExpenses": {
      "description": "Ratio of expenses for luxuries to total expenses.",
      "example": 0.27,
      "maximum": 1,
      "minimum": 0,
      "type": "number"
    },
    "ratioLuxuriesToIncome": {
      "description": "Ratio of expenses for luxuries to income.",
      "example": 0.14,
      "minimum": 0,
      "type": "number"
    },
    "ratioNecessitiesToExpenses": {
      "description": "Ratio of expenses for necessities to total expenses.",
      "example": 0.73,
      "maximum": 1,
      "minimum": 0,
      "type": "number"
    },
    "ratioNecessitiesToIncome": {
      "description": "Ratio of expenses for necessities to income.",
      "example": 0.59,
      "minimum": 0,
      "type": "number"
    },
    "reminderCharges": {
      "description": "Whether reminder charges transactions exist in the recent past.",
      "example": false,
      "type": "boolean"
    },
    "rentalPayments": {
      "description": "Whether an active rental contract exists or not.",
      "example": false,
      "type": "boolean"
    },
    "returnDebits": {
      "description": "Whether return debit transaction exist in the recent past or not.",
      "example": false,
      "type": "boolean"
    },
    "savings": {
      "description": "Expected amount left monthly. Calculation based on total expected expenses and expected income.",
      "example": 105.4,
      "type": "number"
    },
    "seizurePayments": {
      "description": "Whether reminder charges transactions exist in the recent past.",
      "example": false,
      "type": "boolean"
    }
  },
  "required": [
    "creditCards",
    "debtCollectionPayments",
    "discretionary",
    "discretionaryForIrregularLuxuries",
    "existingLoans",
    "financialLiteracy",
    "gambling",
    "mortgagePayments",
    "ratioExpensesToIncome",
    "ratioGamblingToDiscretionaryForIrregularLuxuries",
    "ratioLuxuriesToExpenses",
    "ratioLuxuriesToIncome",
    "ratioNecessitiesToExpenses",
    "ratioNecessitiesToIncome",
    "reminderCharges",
    "rentalPayments",
    "returnDebits",
    "savings",
    "seizurePayments"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
creditCards	integer	true	none	Number of existing credit cards.
debtCollectionPayments	boolean	true	none	Whether reminder charges transactions exist in the recent past.
discretionary	number	true	none	Expected amount available monthly to spend on luxuries. Calculation based on expected necessity expenses and expected income.
discretionaryForIrregularLuxuries	number	true	none	Expected amount available monthly to spend on luxuries besides existing regularly recurring expenses including contracts. Calculation based on expected necessity expenses and income (discretionary) as well as expected regularly recurring expenses for luxury including contracts.
existingLoans	boolean	true	none	Whether active loans exist or not.
expenses	affordability_expenses_schema	false	none	Expected average monthly expenses.
financialLiteracy	boolean	true	none	The user has knowledge of various financial skills. Computation takes, among other things, the number of banking products, investments and insurances into account.
gambling	number	true	none	Expected amount spend for gambling activities.
income	affordability_regular_irregular_schema	false	none	Expected average monthly income.
mortgagePayments	boolean	true	none	Whether at least one transaction related to a mortgage in the recent past exists or not.
mostRecentRentalPayment	string(date)	false	none	Date of the most recent rental payment of an active rental contract. Returned if rentalPayments is True.
ratioExpensesToIncome	number	true	none	Ratio of expenses to income.
ratioGamblingToDiscretionaryForIrregularLuxuries	number	true	none	Ratio of gambling expenses to discretionary for irregular luxuries. Regular gambling expenses are currently included in the computation of discretionary for irregular luxuries here. This might lead to a low ratio even though gambling expenses are high.
ratioLuxuriesToExpenses	number	true	none	Ratio of expenses for luxuries to total expenses.
ratioLuxuriesToIncome	number	true	none	Ratio of expenses for luxuries to income.
ratioNecessitiesToExpenses	number	true	none	Ratio of expenses for necessities to total expenses.
ratioNecessitiesToIncome	number	true	none	Ratio of expenses for necessities to income.
reminderCharges	boolean	true	none	Whether reminder charges transactions exist in the recent past.
rentalPayments	boolean	true	none	Whether an active rental contract exists or not.
returnDebits	boolean	true	none	Whether return debit transaction exist in the recent past or not.
savings	number	true	none	Expected amount left monthly. Calculation based on total expected expenses and expected income.
seizurePayments	boolean	true	none	Whether reminder charges transactions exist in the recent past.

affordability_tag_instance_schema

{
  "details": {
    "creditCards": 0,
    "debtCollectionPayments": false,
    "discretionary": 3788.69,
    "discretionaryForIrregularLuxuries": 3609.48,
    "existingLoans": false,
    "expenses": {
      "amount": -1722.88,
      "luxuries": {
        "amount": -435.9,
        "irregular": {
          "amount": -216.57,
          "amountsPerTagTreeItem": [
            {
              "amount": -191.67,
              "tagTreeItem": {
                "description": "Transactions involving cash withdrawals at an ATM or a bank facility",
                "displayName": "Barauszahlung",
                "systemId": 2,
                "systemName": "BANKFINANCE_CASHWITHDRAWAL",
                "systemNameParent": "BANKFINANCE",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -12.22,
              "tagTreeItem": {
                "description": "Payments from eating out (e.g. restaurants, bars)",
                "displayName": "Ausgehen und Essen",
                "systemId": 83,
                "systemName": "RECREATION_FOODANDDRINKS",
                "systemNameParent": "RECREATION",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -2.99,
              "tagTreeItem": {
                "description": "Expenses for clothing and accessories",
                "displayName": "Kleidung und Accessoires",
                "systemId": 101,
                "systemName": "SHOPPING_CLOTHINGACCESSORIES",
                "systemNameParent": "SHOPPING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -6,
              "tagTreeItem": {
                "description": "Donations to charities",
                "displayName": "Spenden & Wohltätigkeit",
                "systemId": 65,
                "systemName": "LIVING_CHARITY",
                "systemNameParent": "LIVING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -1.58,
              "tagTreeItem": {
                "description": "Expenses related to child toys (e.g. buying toys at toysrus)",
                "displayName": "Spielwaren",
                "systemId": 25,
                "systemName": "FAMILY_TOYS",
                "systemNameParent": "FAMILY",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -1.82,
              "tagTreeItem": {
                "description": "Other transactions related to the subject of housing",
                "displayName": "Wohnen - Sonstiges",
                "systemId": 35,
                "systemName": "HOUSING_OTHER",
                "systemNameParent": "HOUSING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -0.29,
              "tagTreeItem": {
                "description": "Other transactions including living expenses",
                "displayName": "Lebenshaltung - Sonstiges",
                "systemId": 68,
                "systemName": "LIVING_OTHER",
                "systemNameParent": "LIVING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            }
          ]
        },
        "regular": {
          "amount": -179.21,
          "amountsPerTagTreeItem": [
            {
              "amount": -21.98,
              "tagTreeItem": {
                "description": "Expenses for music and video streaming as well as pay TV",
                "displayName": "Streaming und Pay-TV",
                "systemId": 115,
                "systemName": "RECREATION_STREAMING",
                "systemNameParent": "RECREATION",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -20,
              "tagTreeItem": {
                "description": "Transactions related to personal fitness and sports (e.g. monthly gym membership payments)",
                "displayName": "Sport und Fitness",
                "systemId": 89,
                "systemName": "RECREATION_SPORTS",
                "systemNameParent": "RECREATION",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -24.1,
              "tagTreeItem": {
                "description": "Payments related to a car insurance",
                "displayName": "KFZ-Versicherung",
                "systemId": 63,
                "systemName": "INSURANCE_VEHICLE",
                "systemNameParent": "INSURANCE",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -4.77,
              "tagTreeItem": {
                "description": "Payments related to a liability insurance contract",
                "displayName": "Haftpflichtversicherung",
                "systemId": 57,
                "systemName": "INSURANCE_LIABILITY",
                "systemNameParent": "INSURANCE",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -79.01,
              "tagTreeItem": {
                "description": "Payments related to a life insurance contract",
                "displayName": "Lebensversicherung",
                "systemId": 58,
                "systemName": "INSURANCE_LIFE",
                "systemNameParent": "INSURANCE",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -10.31,
              "tagTreeItem": {
                "description": "Payments from eating out (e.g. restaurants, bars)",
                "displayName": "Ausgehen und Essen",
                "systemId": 83,
                "systemName": "RECREATION_FOODANDDRINKS",
                "systemNameParent": "RECREATION",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -19.04,
              "tagTreeItem": {
                "description": "Payments related to an insurance contract covering legal expenses",
                "displayName": "Rechtsschutzversicherung",
                "systemId": 56,
                "systemName": "INSURANCE_LEGAL",
                "systemNameParent": "INSURANCE",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            }
          ]
        }
      },
      "necessities": {
        "amount": -1272.15,
        "irregular": {
          "amount": -94.02,
          "amountsPerTagTreeItem": [
            {
              "amount": -48.94,
              "tagTreeItem": {
                "description": "Payments from grocery shopping",
                "displayName": "Lebensmittel",
                "systemId": 67,
                "systemName": "LIVING_GROCERIES",
                "systemNameParent": "LIVING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -21.62,
              "tagTreeItem": {
                "description": "Payments from refueling at a gas station",
                "displayName": "Kraftstoffe und Schmiermittel",
                "systemId": 72,
                "systemName": "MOBILITY_FUEL",
                "systemNameParent": "MOBILITY",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -6.28,
              "tagTreeItem": {
                "description": "Payments for drugstore items (e.g. buying bath products)",
                "displayName": "Drogerie",
                "systemId": 66,
                "systemName": "LIVING_DRUGSTORE",
                "systemNameParent": "LIVING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -4.19,
              "tagTreeItem": {
                "description": "Business related interest or principal payments",
                "displayName": "Kredittilgung (geschäftlich)",
                "systemId": 144,
                "systemName": "BUSINESS_CREDITPAYMENT",
                "systemNameParent": "BUSINESS",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -7.38,
              "tagTreeItem": {
                "description": "Transactions involving payments for public radio and television",
                "displayName": "Öffentlich-rechtlicher Rundfunk",
                "systemId": 11,
                "systemName": "BILLS_PUBLICRADIO",
                "systemNameParent": "BILLS",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -5.61,
              "tagTreeItem": {
                "description": "Other transactions related to education",
                "displayName": "Bildungswesen - Sonstiges",
                "systemId": 16,
                "systemName": "EDUCATION_OTHER",
                "systemNameParent": "EDUCATION",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            }
          ]
        },
        "regular": {
          "amount": -1135.31,
          "amountsPerTagTreeItem": [
            {
              "amount": -17.5,
              "tagTreeItem": {
                "description": "Transactions involving payments for public radio and television",
                "displayName": "Öffentlich-rechtlicher Rundfunk",
                "systemId": 11,
                "systemName": "BILLS_PUBLICRADIO",
                "systemNameParent": "BILLS",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -2.53,
              "tagTreeItem": {
                "description": "Payments from refueling at a gas station",
                "displayName": "Kraftstoffe und Schmiermittel",
                "systemId": 72,
                "systemName": "MOBILITY_FUEL",
                "systemNameParent": "MOBILITY",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -0.9,
              "tagTreeItem": {
                "description": "Payments for drugstore items (e.g. buying bath products)",
                "displayName": "Drogerie",
                "systemId": 66,
                "systemName": "LIVING_DRUGSTORE",
                "systemNameParent": "LIVING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -56.82,
              "tagTreeItem": {
                "description": "Transactions involving payments for electricity and heating (e.g. to a municipal utility)",
                "displayName": "Energiekosten",
                "systemId": 9,
                "systemName": "BILLS_ENERGY",
                "systemNameParent": "BILLS",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -46.17,
              "tagTreeItem": {
                "description": "Payments to telecommunication providers for a mobile or fixed-line network connection",
                "displayName": "Internet und Telekommunikation",
                "systemId": 12,
                "systemName": "BILLS_TELECOMMUNICATIONS",
                "systemNameParent": "BILLS",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -66.6,
              "tagTreeItem": {
                "description": "Payments from using public transports",
                "displayName": "ÖPNV",
                "systemId": 75,
                "systemName": "MOBILITY_PUBLICTRANSPORT",
                "systemNameParent": "MOBILITY",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            },
            {
              "amount": -944.79,
              "tagTreeItem": {
                "description": "Transactions involving payments to a tenant",
                "displayName": "Miete/Wohngeld",
                "systemId": 37,
                "systemName": "HOUSING_RENT",
                "systemNameParent": "HOUSING",
                "tagTree": {
                  "description": "Two level categorization tree.",
                  "displayName": "Kategorien",
                  "isTenantGenerated": false,
                  "systemId": 1,
                  "systemName": "CATEGORIES",
                  "version": 3.71
                }
              }
            }
          ]
        }
      }
    },
    "financialLiteracy": false,
    "gambling": 0,
    "income": {
      "amount": 5060.84,
      "irregular": {
        "amount": 0,
        "amountsPerTagTreeItem": []
      },
      "regular": {
        "amount": 5060.84,
        "amountsPerTagTreeItem": [
          {
            "amount": 4856.84,
            "tagTreeItem": {
              "description": "Income from salary payments",
              "displayName": "Gehalt",
              "systemId": 49,
              "systemName": "INCOME_SALARY",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level categorization tree.",
                "displayName": "Kategorien",
                "isTenantGenerated": false,
                "systemId": 1,
                "systemName": "CATEGORIES",
                "version": 3.71
              }
            }
          },
          {
            "amount": 204,
            "tagTreeItem": {
              "description": "Income from gov. child benefits",
              "displayName": "Staatliche Förderung für Familie und Kinder",
              "systemId": 52,
              "systemName": "INCOME_STATEFAMILY",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level categorization tree.",
                "displayName": "Kategorien",
                "isTenantGenerated": false,
                "systemId": 1,
                "systemName": "CATEGORIES",
                "version": 3.71
              }
            }
          }
        ]
      }
    },
    "mortgagePayments": false,
    "mostRecentRentalPayment": "2023-06-15",
    "ratioExpensesToIncome": 0.34,
    "ratioLuxuriesToExpenses": 0.25,
    "ratioLuxuriesToIncome": 0.09,
    "ratioNecessitiesToExpenses": 0.74,
    "ratioNecessitiesToIncome": 0.25,
    "reminderCharges": false,
    "rentalPayments": true,
    "returnDebits": false,
    "savings": 3337.96,
    "seizurePayments": false
  },
  "entity": {
    "displayName": "BENUTZER",
    "entityClass": "USER",
    "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
    "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
  },
  "id": "1532bcd4-1b78-990f-5203-3e22a77bed2f",
  "relations": [
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/",
      "rel": "tag_trees"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/17/",
      "rel": "tag_tree"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/17/tag-tree-items/",
      "rel": "tag_tree_items"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/17/tag-tree-items/2/",
      "rel": "tag_tree_item"
    }
  ],
  "tagTreeItem": {
    "description": "Information about the affordability",
    "displayName": "Informationen über die Bezahlbarkeit",
    "systemId": 2,
    "systemName": "AFFORDABILITY_CHECK",
    "systemNameParent": "AFFORDABILITY",
    "tagTree": {
      "description": "Affordability tag tree with single parent and child tag.",
      "displayName": "Bezahlbarkeit",
      "isTenantGenerated": false,
      "systemId": 17,
      "systemName": "AFFORDABILITY",
      "version": 0.1
    }
  }
}

Properties

Name	Type	Required	Restrictions	Description
details	affordability_tag_instance_details_schema	false	none	none
entity	entity_schema	true	none	none
id	string	true	none	Unique Universal Identifier (UUID)
relations	[relation_schema]	false	none	List of relations
tagTreeItem	tag_tree_item_schema	true	none	none

bank_product_schema

{
  "properties": {
    "balance": {
      "description": "Balance of the bank product",
      "example": 12675.48,
      "type": "number"
    },
    "bic": {
      "description": "BIC (Bank Identifier Code)",
      "example": "DEUTDEFFXXX",
      "type": "string"
    },
    "creditDrawn": {
      "description": "Amount of credit already extended for the bank product",
      "example": 1243.48,
      "type": "number"
    },
    "creditLimit": {
      "description": "Maximum amount of credit extended for the bank product",
      "example": 2000,
      "type": "number"
    },
    "currency": {
      "description": "Currency in which the bank product is valued/managed",
      "example": "EUR",
      "type": "string"
    },
    "iban": {
      "description": "IBAN (International Bank Account Number)",
      "example": "DE61500105173126617266",
      "type": "string"
    },
    "id": {
      "description": "ID of the bank product",
      "example": "57624057-11bf-4087-b16a-dc1a7525d3b5",
      "type": "string"
    },
    "lastUpdated": {
      "description": "Date of the last product update at the bank/service provider in yyyy-mm-dd HH:MM:SS format",
      "example": "2020-01-15 09:34:46",
      "type": "string"
    },
    "name": {
      "description": "Name of the bank product according to bank/service provider",
      "example": "Girokonto Premium Plus",
      "type": "string"
    },
    "overdraftLimit": {
      "description": "Maximum amount by which the bank product can be overdrawn",
      "example": 5000,
      "type": "number"
    },
    "owner": {
      "description": "Name of the owner",
      "example": "Erika Mustermann",
      "type": "string"
    },
    "providerId": {
      "description": "UUID of the bank/service provider",
      "example": "7721443a-30ab-4fb7-8919-4bee0e963019",
      "type": "string"
    },
    "providerName": {
      "description": "Name of the bank/service provider",
      "example": "Deutsche Bank",
      "type": "string"
    },
    "status": {
      "description": "Retrieval status for the bank product data",
      "example": "VOLLSTAENDIG",
      "type": "string"
    },
    "type": {
      "description": "Type of the bank product",
      "example": "GIROKONTO",
      "type": "string"
    }
  },
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
balance	number	false	none	Balance of the bank product
bic	string	false	none	BIC (Bank Identifier Code)
creditDrawn	number	false	none	Amount of credit already extended for the bank product
creditLimit	number	false	none	Maximum amount of credit extended for the bank product
currency	string	false	none	Currency in which the bank product is valued/managed
iban	string	false	none	IBAN (International Bank Account Number)
id	string	false	none	ID of the bank product
lastUpdated	string	false	none	Date of the last product update at the bank/service provider in yyyy-mm-dd HH:MM:SS format
name	string	false	none	Name of the bank product according to bank/service provider
overdraftLimit	number	false	none	Maximum amount by which the bank product can be overdrawn
owner	string	false	none	Name of the owner
providerId	string	false	none	UUID of the bank/service provider
providerName	string	false	none	Name of the bank/service provider
status	string	false	none	Retrieval status for the bank product data
type	string	false	none	Type of the bank product

business_partner_tag_instance_details_schema

{
  "properties": {
    "customName": {
      "description": "Custom business partner (not in database)",
      "example": "Tante-Emma-Laden München Schwabing",
      "type": "string"
    }
  },
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
customName	string	false	none	Custom business partner (not in database)

business_partner_tag_instance_schema

{
  "properties": {
    "details": {
      "properties": {
        "customName": {
          "description": "Custom business partner (not in database)",
          "example": "Tante-Emma-Laden München Schwabing",
          "type": "string"
        }
      },
      "type": "object"
    },
    "entity": {
      "properties": {
        "displayName": {
          "description": "Display name of the entity",
          "example": "Kontoumsatz",
          "type": "string"
        },
        "entityClass": {
          "description": "Class of the entity, such as TRANSACTION or USER",
          "example": "TRANSACTION",
          "type": "string"
        },
        "id": {
          "description": "Transaction UUID or USER UUID.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        },
        "userId": {
          "description": "UUID of the USER. Same as id field for USER entities.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        }
      },
      "required": [
        "displayName",
        "entityClass",
        "id"
      ],
      "type": "object"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "relations": {
      "description": "List of relations",
      "items": {
        "properties": {
          "href": {
            "description": "Link of the relation",
            "example": "https://banksapi.io/tags/tag-trees/",
            "type": "string"
          },
          "rel": {
            "description": "Name of the relation",
            "example": "tag_trees",
            "type": "string"
          }
        },
        "required": [
          "href",
          "rel"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "tagTreeItem": {
      "properties": {
        "addressCity": {
          "description": "Address city of the business partner",
          "example": "München",
          "type": "string"
        },
        "addressCountry": {
          "description": "Address country of the business partner",
          "example": "Deutschland",
          "type": "string"
        },
        "addressStreet": {
          "description": "Address street incl. number of the business partner",
          "example": "Lyonel-Feininger-Straße 28",
          "type": "string"
        },
        "addressZip": {
          "description": "Address zip/postal code of the business partner",
          "example": " 80807",
          "type": "string"
        },
        "categories": {
          "description": "Categories the business partner belongs to.",
          "example": [
            "BANKFINANCE",
            "BANKFINANCE_INVESTMENT",
            "BANKFINANCE_OTHER",
            "SERVICES",
            "SERVICES_PROFESSIONAL",
            "SERVICES_ONLINE"
          ],
          "items": {
            "type": "string"
          },
          "type": "array"
        },
        "creditorId": {
          "description": "creditor id of the business partner",
          "example": "DEZZZ00000012345",
          "type": "string"
        },
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "BANKSapi",
          "type": "string"
        },
        "group": {
          "description": "Group the business partner belongs to.",
          "example": "Finconomy AG",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 262,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "BANKSapi Technology GmbH",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        },
        "telephone": {
          "description": "Telephone of the business partner",
          "example": "+49 (0)89 121 408 82",
          "type": "string"
        },
        "website": {
          "description": "Website of the business partner",
          "example": "www.banksapi.de",
          "type": "string"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    }
  },
  "required": [
    "entity",
    "id",
    "tagTreeItem"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
details	business_partner_tag_instance_details_schema	false	none	none
entity	entity_schema	true	none	none
id	string	true	none	Unique Universal Identifier (UUID)
relations	[relation_schema]	false	none	List of relations
tagTreeItem	business_partner_tag_tree_item_schema	true	none	none

business_partner_tag_tree_item_schema

{
  "properties": {
    "addressCity": {
      "description": "Address city of the business partner",
      "example": "München",
      "type": "string"
    },
    "addressCountry": {
      "description": "Address country of the business partner",
      "example": "Deutschland",
      "type": "string"
    },
    "addressStreet": {
      "description": "Address street incl. number of the business partner",
      "example": "Lyonel-Feininger-Straße 28",
      "type": "string"
    },
    "addressZip": {
      "description": "Address zip/postal code of the business partner",
      "example": " 80807",
      "type": "string"
    },
    "categories": {
      "description": "Categories the business partner belongs to.",
      "example": [
        "BANKFINANCE",
        "BANKFINANCE_INVESTMENT",
        "BANKFINANCE_OTHER",
        "SERVICES",
        "SERVICES_PROFESSIONAL",
        "SERVICES_ONLINE"
      ],
      "items": {
        "type": "string"
      },
      "type": "array"
    },
    "creditorId": {
      "description": "creditor id of the business partner",
      "example": "DEZZZ00000012345",
      "type": "string"
    },
    "description": {
      "description": "Gives a description of the tagTreeItem",
      "example": "Expenses from daily grocery purchases",
      "type": "string"
    },
    "displayName": {
      "description": "User-friendly name shown to the end-users",
      "example": "BANKSapi",
      "type": "string"
    },
    "group": {
      "description": "Group the business partner belongs to.",
      "example": "Finconomy AG",
      "type": "string"
    },
    "systemId": {
      "description": "Unique internal id of the tag tree item",
      "example": 262,
      "type": "integer"
    },
    "systemName": {
      "description": "Unique name of the tag tree item",
      "example": "BANKSapi Technology GmbH",
      "type": "string"
    },
    "tagTree": {
      "allOf": [
        {
          "properties": {
            "description": {
              "description": "Gives a description of the tag tree",
              "example": "Detailed inusrance categories.",
              "type": "string"
            },
            "displayName": {
              "description": "User-friendly name shown to the end-users",
              "example": "Kategorien",
              "type": "string"
            },
            "isTenantGenerated": {
              "description": "Boolean flag, set TRUE if the tag was manually set",
              "example": true,
              "type": "boolean"
            },
            "systemId": {
              "description": "Unique internal id of the tag tree",
              "example": 1,
              "type": "integer"
            },
            "systemName": {
              "description": "Unique name of the tag tree",
              "example": "CATEGORIES",
              "type": "string"
            },
            "version": {
              "description": "Version of the tag tree",
              "example": 1.5,
              "minimum": 0,
              "type": "number"
            }
          },
          "required": [
            "displayName",
            "isTenantGenerated",
            "systemId",
            "systemName",
            "version"
          ],
          "type": "object"
        }
      ],
      "description": "tagTree that the tagTreeItem belongs to"
    },
    "telephone": {
      "description": "Telephone of the business partner",
      "example": "+49 (0)89 121 408 82",
      "type": "string"
    },
    "website": {
      "description": "Website of the business partner",
      "example": "www.banksapi.de",
      "type": "string"
    }
  },
  "required": [
    "displayName",
    "systemId",
    "systemName",
    "tagTree"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
addressCity	string	false	none	Address city of the business partner
addressCountry	string	false	none	Address country of the business partner
addressStreet	string	false	none	Address street incl. number of the business partner
addressZip	string	false	none	Address zip/postal code of the business partner
categories	[string]	false	none	Categories the business partner belongs to.
creditorId	string	false	none	creditor id of the business partner
description	string	false	none	Gives a description of the tagTreeItem
displayName	string	true	none	User-friendly name shown to the end-users
group	string	false	none	Group the business partner belongs to.
systemId	integer	true	none	Unique internal id of the tag tree item
systemName	string	true	none	Unique name of the tag tree item
tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
telephone	string	false	none	Telephone of the business partner
website	string	false	none	Website of the business partner

cashflow_tag_instance_details_schema

{
  "properties": {
    "predictions": {
      "description": "cashflow predictions",
      "items": {
        "properties": {
          "cashflow": {
            "description": "cashflow amount in Euros",
            "example": -3420.58,
            "type": "number"
          },
          "tagTreeItem": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "total": {
            "description": "total amount",
            "example": "EXPENSES",
            "type": "string"
          }
        },
        "required": [
          "cashflow"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "statistics": {
      "description": "cashflow statistics",
      "items": {
        "properties": {
          "cashflow": {
            "description": "cashflow amount in Euros",
            "example": -3420.58,
            "type": "number"
          },
          "tagTreeItem": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "total": {
            "description": "total amount",
            "example": "EXPENSES",
            "type": "string"
          }
        },
        "required": [
          "cashflow"
        ],
        "type": "object"
      },
      "type": "array"
    }
  },
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
predictions	[cashflow_tag_instance_details_stats_preds_schema]	false	none	cashflow predictions
statistics	[cashflow_tag_instance_details_stats_preds_schema]	false	none	cashflow statistics

cashflow_tag_instance_details_stats_preds_schema

{
  "properties": {
    "cashflow": {
      "description": "cashflow amount in Euros",
      "example": -3420.58,
      "type": "number"
    },
    "tagTreeItem": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    },
    "total": {
      "description": "total amount",
      "example": "EXPENSES",
      "type": "string"
    }
  },
  "required": [
    "cashflow"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
cashflow	number	true	none	cashflow amount in Euros
tagTreeItem	tag_tree_item_schema	false	none	none
total	string	false	none	total amount

cashflow_tag_instance_schema

{
  "properties": {
    "details": {
      "properties": {
        "predictions": {
          "description": "cashflow predictions",
          "items": {
            "properties": {
              "cashflow": {
                "description": "cashflow amount in Euros",
                "example": -3420.58,
                "type": "number"
              },
              "tagTreeItem": {
                "properties": {
                  "description": {
                    "description": "Gives a description of the tagTreeItem",
                    "example": "Expenses from daily grocery purchases",
                    "type": "string"
                  },
                  "displayName": {
                    "description": "User-friendly name shown to the end-users",
                    "example": "Groceries",
                    "type": "string"
                  },
                  "systemId": {
                    "description": "Unique internal id of the tag tree item",
                    "example": 17,
                    "type": "integer"
                  },
                  "systemName": {
                    "description": "Unique name of the tag tree item",
                    "example": "LIVING_GROCERIES",
                    "type": "string"
                  },
                  "systemNameParent": {
                    "description": "Unique name of the parent of the tagTreeItem",
                    "example": "LIVING",
                    "type": "string"
                  },
                  "tagTree": {
                    "allOf": [
                      {
                        "properties": {
                          "description": {
                            "description": "Gives a description of the tag tree",
                            "example": "Detailed inusrance categories.",
                            "type": "string"
                          },
                          "displayName": {
                            "description": "User-friendly name shown to the end-users",
                            "example": "Kategorien",
                            "type": "string"
                          },
                          "isTenantGenerated": {
                            "description": "Boolean flag, set TRUE if the tag was manually set",
                            "example": true,
                            "type": "boolean"
                          },
                          "systemId": {
                            "description": "Unique internal id of the tag tree",
                            "example": 1,
                            "type": "integer"
                          },
                          "systemName": {
                            "description": "Unique name of the tag tree",
                            "example": "CATEGORIES",
                            "type": "string"
                          },
                          "version": {
                            "description": "Version of the tag tree",
                            "example": 1.5,
                            "minimum": 0,
                            "type": "number"
                          }
                        },
                        "required": [
                          "displayName",
                          "isTenantGenerated",
                          "systemId",
                          "systemName",
                          "version"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "tagTree that the tagTreeItem belongs to"
                  }
                },
                "required": [
                  "displayName",
                  "systemId",
                  "systemName",
                  "tagTree"
                ],
                "type": "object"
              },
              "total": {
                "description": "total amount",
                "example": "EXPENSES",
                "type": "string"
              }
            },
            "required": [
              "cashflow"
            ],
            "type": "object"
          },
          "type": "array"
        },
        "statistics": {
          "description": "cashflow statistics",
          "items": {
            "properties": {
              "cashflow": {
                "description": "cashflow amount in Euros",
                "example": -3420.58,
                "type": "number"
              },
              "tagTreeItem": {
                "properties": {
                  "description": {
                    "description": "Gives a description of the tagTreeItem",
                    "example": "Expenses from daily grocery purchases",
                    "type": "string"
                  },
                  "displayName": {
                    "description": "User-friendly name shown to the end-users",
                    "example": "Groceries",
                    "type": "string"
                  },
                  "systemId": {
                    "description": "Unique internal id of the tag tree item",
                    "example": 17,
                    "type": "integer"
                  },
                  "systemName": {
                    "description": "Unique name of the tag tree item",
                    "example": "LIVING_GROCERIES",
                    "type": "string"
                  },
                  "systemNameParent": {
                    "description": "Unique name of the parent of the tagTreeItem",
                    "example": "LIVING",
                    "type": "string"
                  },
                  "tagTree": {
                    "allOf": [
                      {
                        "properties": {
                          "description": {
                            "description": "Gives a description of the tag tree",
                            "example": "Detailed inusrance categories.",
                            "type": "string"
                          },
                          "displayName": {
                            "description": "User-friendly name shown to the end-users",
                            "example": "Kategorien",
                            "type": "string"
                          },
                          "isTenantGenerated": {
                            "description": "Boolean flag, set TRUE if the tag was manually set",
                            "example": true,
                            "type": "boolean"
                          },
                          "systemId": {
                            "description": "Unique internal id of the tag tree",
                            "example": 1,
                            "type": "integer"
                          },
                          "systemName": {
                            "description": "Unique name of the tag tree",
                            "example": "CATEGORIES",
                            "type": "string"
                          },
                          "version": {
                            "description": "Version of the tag tree",
                            "example": 1.5,
                            "minimum": 0,
                            "type": "number"
                          }
                        },
                        "required": [
                          "displayName",
                          "isTenantGenerated",
                          "systemId",
                          "systemName",
                          "version"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "tagTree that the tagTreeItem belongs to"
                  }
                },
                "required": [
                  "displayName",
                  "systemId",
                  "systemName",
                  "tagTree"
                ],
                "type": "object"
              },
              "total": {
                "description": "total amount",
                "example": "EXPENSES",
                "type": "string"
              }
            },
            "required": [
              "cashflow"
            ],
            "type": "object"
          },
          "type": "array"
        }
      },
      "type": "object"
    },
    "entity": {
      "properties": {
        "displayName": {
          "description": "Display name of the entity",
          "example": "Kontoumsatz",
          "type": "string"
        },
        "entityClass": {
          "description": "Class of the entity, such as TRANSACTION or USER",
          "example": "TRANSACTION",
          "type": "string"
        },
        "id": {
          "description": "Transaction UUID or USER UUID.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        },
        "userId": {
          "description": "UUID of the USER. Same as id field for USER entities.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        }
      },
      "required": [
        "displayName",
        "entityClass",
        "id"
      ],
      "type": "object"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "relations": {
      "description": "List of relations",
      "items": {
        "properties": {
          "href": {
            "description": "Link of the relation",
            "example": "https://banksapi.io/tags/tag-trees/",
            "type": "string"
          },
          "rel": {
            "description": "Name of the relation",
            "example": "tag_trees",
            "type": "string"
          }
        },
        "required": [
          "href",
          "rel"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "tagTreeItem": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    }
  },
  "required": [
    "entity",
    "id",
    "tagTreeItem"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
details	cashflow_tag_instance_details_schema	false	none	none
entity	entity_schema	true	none	none
id	string	true	none	Unique Universal Identifier (UUID)
relations	[relation_schema]	false	none	List of relations
tagTreeItem	tag_tree_item_schema	true	none	none

categorization_tag_instance_details_schema

{
  "properties": {
    "confidenceLevel": {
      "description": "Confidence level between 0 and 1",
      "example": 0.94,
      "maximum": 1,
      "minimum": 0,
      "type": "number"
    }
  },
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
confidenceLevel	number	false	none	Confidence level between 0 and 1

categorization_tag_instance_schema

{
  "properties": {
    "details": {
      "properties": {
        "confidenceLevel": {
          "description": "Confidence level between 0 and 1",
          "example": 0.94,
          "maximum": 1,
          "minimum": 0,
          "type": "number"
        }
      },
      "type": "object"
    },
    "entity": {
      "properties": {
        "displayName": {
          "description": "Display name of the entity",
          "example": "Kontoumsatz",
          "type": "string"
        },
        "entityClass": {
          "description": "Class of the entity, such as TRANSACTION or USER",
          "example": "TRANSACTION",
          "type": "string"
        },
        "id": {
          "description": "Transaction UUID or USER UUID.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        },
        "userId": {
          "description": "UUID of the USER. Same as id field for USER entities.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        }
      },
      "required": [
        "displayName",
        "entityClass",
        "id"
      ],
      "type": "object"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "relations": {
      "description": "List of relations",
      "items": {
        "properties": {
          "href": {
            "description": "Link of the relation",
            "example": "https://banksapi.io/tags/tag-trees/",
            "type": "string"
          },
          "rel": {
            "description": "Name of the relation",
            "example": "tag_trees",
            "type": "string"
          }
        },
        "required": [
          "href",
          "rel"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "tagTreeItem": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    }
  },
  "required": [
    "entity",
    "id",
    "tagTreeItem"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
details	categorization_tag_instance_details_schema	false	none	none
entity	entity_schema	true	none	none
id	string	true	none	Unique Universal Identifier (UUID)
relations	[relation_schema]	false	none	List of relations
tagTreeItem	tag_tree_item_schema	true	none	none

contract_details_schema

{
  "properties": {
    "amountMean": {
      "description": "Mean payment among contract payments",
      "example": "21.35",
      "type": "number"
    },
    "customName": {
      "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
      "example": "Allianz",
      "type": "string"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "status": {
      "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
      "example": "NOT_ACTIVE",
      "type": "string"
    },
    "tagTreeItemBusinessPartner": {
      "properties": {
        "addressCity": {
          "description": "Address city of the business partner",
          "example": "München",
          "type": "string"
        },
        "addressCountry": {
          "description": "Address country of the business partner",
          "example": "Deutschland",
          "type": "string"
        },
        "addressStreet": {
          "description": "Address street incl. number of the business partner",
          "example": "Lyonel-Feininger-Straße 28",
          "type": "string"
        },
        "addressZip": {
          "description": "Address zip/postal code of the business partner",
          "example": " 80807",
          "type": "string"
        },
        "categories": {
          "description": "Categories the business partner belongs to.",
          "example": [
            "BANKFINANCE",
            "BANKFINANCE_INVESTMENT",
            "BANKFINANCE_OTHER",
            "SERVICES",
            "SERVICES_PROFESSIONAL",
            "SERVICES_ONLINE"
          ],
          "items": {
            "type": "string"
          },
          "type": "array"
        },
        "creditorId": {
          "description": "creditor id of the business partner",
          "example": "DEZZZ00000012345",
          "type": "string"
        },
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "BANKSapi",
          "type": "string"
        },
        "group": {
          "description": "Group the business partner belongs to.",
          "example": "Finconomy AG",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 262,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "BANKSapi Technology GmbH",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        },
        "telephone": {
          "description": "Telephone of the business partner",
          "example": "+49 (0)89 121 408 82",
          "type": "string"
        },
        "website": {
          "description": "Website of the business partner",
          "example": "www.banksapi.de",
          "type": "string"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    },
    "tagTreeItemCategory": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    },
    "tagTreeItemInsuranceType": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    },
    "tagTreeItemPeriod": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    }
  },
  "required": [
    "amountMean",
    "id",
    "status",
    "tagTreeItemBusinessPartner",
    "tagTreeItemCategory",
    "tagTreeItemPeriod"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
amountMean	number	true	none	Mean payment among contract payments
customName	string	false	none	If there is no listed business partner found, a custom name is tried to be extracted from the transaction.
id	string	true	none	Unique Universal Identifier (UUID)
status	string	true	none	Status of contract (ACTIVE or NOT_ACTIVE)
tagTreeItemBusinessPartner	business_partner_tag_tree_item_schema	true	none	none
tagTreeItemCategory	tag_tree_item_schema	true	none	none
tagTreeItemInsuranceType	tag_tree_item_schema	false	none	none
tagTreeItemPeriod	tag_tree_item_schema	true	none	none

contract_tag_instance_details_schema

{
  "properties": {
    "amountFirst": {
      "description": "First payment among contract payments",
      "example": "12.34",
      "type": "number"
    },
    "amountLatest": {
      "description": "Most recent payment among contract payments",
      "example": "21.01",
      "type": "number"
    },
    "amountMaximum": {
      "description": "Maximum payment among contract payments",
      "example": "23.23",
      "type": "number"
    },
    "amountMean": {
      "description": "Mean payment among contract payments",
      "example": "21.35",
      "type": "number"
    },
    "amountMedian": {
      "description": "Median payment among contract payments",
      "example": "21.01",
      "type": "number"
    },
    "amountMinimum": {
      "description": "Minimum payment among contract payments",
      "example": "19.34",
      "type": "number"
    },
    "amountNext": {
      "description": "Predicted next payment based on contract payments",
      "example": "22.01",
      "type": "number"
    },
    "amountTotal": {
      "description": "Total amount of regular and non-regular payments",
      "example": "2445.23",
      "type": "number"
    },
    "amountTotalNonRegular": {
      "description": "Total amount of non-regular payments",
      "example": "100.00",
      "type": "number"
    },
    "amountTotalRegular": {
      "description": "Total amount of regular payments",
      "example": "2345.23",
      "type": "number"
    },
    "contractNumbers": {
      "description": "List of detected contract numbers",
      "example": [
        "334112312",
        "334112313"
      ],
      "items": {
        "type": "string"
      },
      "type": "array"
    },
    "costDevelopment": {
      "description": "History of regular and non-regular payments",
      "example": {
        "2017-04-03": 103.93,
        "2017-04-30": 103.46,
        "2017-05-01": 500.12
      },
      "type": "object"
    },
    "costDevelopmentNonRegular": {
      "description": "History of non-regular payments",
      "example": {
        "2017-05-01": 500.12
      },
      "type": "object"
    },
    "costDevelopmentRegular": {
      "description": "History of regular payments",
      "example": {
        "2017-04-03": 103.93,
        "2017-04-30": 103.46
      },
      "type": "object"
    },
    "counterpartyBic": {
      "description": "BIC of the counterparty",
      "example": "PBNKDEFF",
      "type": "string"
    },
    "counterpartyIban": {
      "description": "IBAN of the counterparty",
      "example": "DE75512108001245126199",
      "type": "string"
    },
    "counterpartyName": {
      "description": "Name of the counterparty",
      "example": "Allianz Versicherungen",
      "type": "string"
    },
    "counterpartyNameUltimate": {
      "description": "Name of the ultimate counterparty",
      "example": "Allianz Versicherungen",
      "type": "string"
    },
    "creditAmount": {
      "description": "Net amount of the loan being paid back with the contract",
      "example": "2345.23",
      "type": "number"
    },
    "creditAmountGross": {
      "description": "Total amount of the loan being paid back with the contract including additional costs",
      "example": "2345.23",
      "type": "number"
    },
    "customName": {
      "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
      "example": "Allianz",
      "type": "string"
    },
    "customerNumbers": {
      "description": "List of detected customer numbers",
      "example": [
        "K1000452"
      ],
      "items": {
        "type": "string"
      },
      "type": "array"
    },
    "dateEnd": {
      "description": "Contract end date",
      "example": "2019-04-03",
      "format": "date",
      "type": "string"
    },
    "dateFirst": {
      "description": "Date of the first payment",
      "example": "2017-04-03",
      "format": "date",
      "type": "string"
    },
    "dateLatest": {
      "description": "Date of the last payment",
      "example": "2019-04-03",
      "format": "date",
      "type": "string"
    },
    "dateNext": {
      "description": "Predicted date of the next payment",
      "example": "2019-05-03",
      "format": "date",
      "type": "string"
    },
    "dateStart": {
      "description": "Contract start date",
      "example": "2017-04-03",
      "format": "date",
      "type": "string"
    },
    "daysAge": {
      "description": "Age of the contract in days",
      "example": "12",
      "type": "integer"
    },
    "growthRate": {
      "description": "Procentual growth rate per period",
      "example": "4.34",
      "type": "number"
    },
    "interestRate": {
      "description": "Effective annual interest rate estimated for this contract",
      "example": "0.04",
      "type": "number"
    },
    "interestRateNominal": {
      "description": "Nominal annual interest rate detected for this contract",
      "example": "0.04",
      "type": "number"
    },
    "numberContract": {
      "description": "Deprecated. Use field contractNumbers instead.",
      "example": "0003412312",
      "type": "string"
    },
    "numberCustomer": {
      "description": "Deprecated. Use field customerNumbers instead.",
      "example": "123412312",
      "type": "string"
    },
    "standardDeviation": {
      "description": "Standard deviation of contract payments",
      "example": "0.23",
      "type": "number"
    },
    "status": {
      "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
      "example": "NOT_ACTIVE",
      "type": "string"
    },
    "transactionIds": {
      "description": "List of transaction ids, regular and non-regular payments",
      "example": [
        "956ca508-c0e2-52c5-3202-8de20e7ed12b",
        "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
        "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
      ],
      "items": {
        "type": "string"
      },
      "type": "array"
    },
    "transactionIdsNonRegular": {
      "description": "List of transaction ids, non-regular payments only",
      "example": [
        "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
      ],
      "items": {
        "type": "string"
      },
      "type": "array"
    },
    "transactionIdsRegular": {
      "description": "List of transaction ids, regular payments only",
      "example": [
        "956ca508-c0e2-52c5-3202-8de20e7ed12b",
        "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
      ],
      "items": {
        "type": "string"
      },
      "type": "array"
    }
  },
  "required": [
    "amountFirst",
    "amountLatest",
    "amountMaximum",
    "amountMean",
    "amountMedian",
    "amountMinimum",
    "amountTotal",
    "amountTotalNonRegular",
    "amountTotalRegular",
    "contractNumbers",
    "costDevelopment",
    "costDevelopmentNonRegular",
    "costDevelopmentRegular",
    "customerNumbers",
    "dateFirst",
    "dateLatest",
    "daysAge",
    "status",
    "transactionIds",
    "transactionIdsNonRegular",
    "transactionIdsRegular"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
amountFirst	number	true	none	First payment among contract payments
amountLatest	number	true	none	Most recent payment among contract payments
amountMaximum	number	true	none	Maximum payment among contract payments
amountMean	number	true	none	Mean payment among contract payments
amountMedian	number	true	none	Median payment among contract payments
amountMinimum	number	true	none	Minimum payment among contract payments
amountNext	number	false	none	Predicted next payment based on contract payments
amountTotal	number	true	none	Total amount of regular and non-regular payments
amountTotalNonRegular	number	true	none	Total amount of non-regular payments
amountTotalRegular	number	true	none	Total amount of regular payments
contractNumbers	[string]	true	none	List of detected contract numbers
costDevelopment	object	true	none	History of regular and non-regular payments
costDevelopmentNonRegular	object	true	none	History of non-regular payments
costDevelopmentRegular	object	true	none	History of regular payments
counterpartyBic	string	false	none	BIC of the counterparty
counterpartyIban	string	false	none	IBAN of the counterparty
counterpartyName	string	false	none	Name of the counterparty
counterpartyNameUltimate	string	false	none	Name of the ultimate counterparty
creditAmount	number	false	none	Net amount of the loan being paid back with the contract
creditAmountGross	number	false	none	Total amount of the loan being paid back with the contract including additional costs
customName	string	false	none	If there is no listed business partner found, a custom name is tried to be extracted from the transaction.
customerNumbers	[string]	true	none	List of detected customer numbers
dateEnd	string(date)	false	none	Contract end date
dateFirst	string(date)	true	none	Date of the first payment
dateLatest	string(date)	true	none	Date of the last payment
dateNext	string(date)	false	none	Predicted date of the next payment
dateStart	string(date)	false	none	Contract start date
daysAge	integer	true	none	Age of the contract in days
growthRate	number	false	none	Procentual growth rate per period
interestRate	number	false	none	Effective annual interest rate estimated for this contract
interestRateNominal	number	false	none	Nominal annual interest rate detected for this contract
numberContract	string	false	none	Deprecated. Use field contractNumbers instead.
numberCustomer	string	false	none	Deprecated. Use field customerNumbers instead.
standardDeviation	number	false	none	Standard deviation of contract payments
status	string	true	none	Status of contract (ACTIVE or NOT_ACTIVE)
transactionIds	[string]	true	none	List of transaction ids, regular and non-regular payments
transactionIdsNonRegular	[string]	true	none	List of transaction ids, non-regular payments only
transactionIdsRegular	[string]	true	none	List of transaction ids, regular payments only

contract_tag_instance_schema

{
  "properties": {
    "details": {
      "properties": {
        "amountFirst": {
          "description": "First payment among contract payments",
          "example": "12.34",
          "type": "number"
        },
        "amountLatest": {
          "description": "Most recent payment among contract payments",
          "example": "21.01",
          "type": "number"
        },
        "amountMaximum": {
          "description": "Maximum payment among contract payments",
          "example": "23.23",
          "type": "number"
        },
        "amountMean": {
          "description": "Mean payment among contract payments",
          "example": "21.35",
          "type": "number"
        },
        "amountMedian": {
          "description": "Median payment among contract payments",
          "example": "21.01",
          "type": "number"
        },
        "amountMinimum": {
          "description": "Minimum payment among contract payments",
          "example": "19.34",
          "type": "number"
        },
        "amountNext": {
          "description": "Predicted next payment based on contract payments",
          "example": "22.01",
          "type": "number"
        },
        "amountTotal": {
          "description": "Total amount of regular and non-regular payments",
          "example": "2445.23",
          "type": "number"
        },
        "amountTotalNonRegular": {
          "description": "Total amount of non-regular payments",
          "example": "100.00",
          "type": "number"
        },
        "amountTotalRegular": {
          "description": "Total amount of regular payments",
          "example": "2345.23",
          "type": "number"
        },
        "contractNumbers": {
          "description": "List of detected contract numbers",
          "example": [
            "334112312",
            "334112313"
          ],
          "items": {
            "type": "string"
          },
          "type": "array"
        },
        "costDevelopment": {
          "description": "History of regular and non-regular payments",
          "example": {
            "2017-04-03": 103.93,
            "2017-04-30": 103.46,
            "2017-05-01": 500.12
          },
          "type": "object"
        },
        "costDevelopmentNonRegular": {
          "description": "History of non-regular payments",
          "example": {
            "2017-05-01": 500.12
          },
          "type": "object"
        },
        "costDevelopmentRegular": {
          "description": "History of regular payments",
          "example": {
            "2017-04-03": 103.93,
            "2017-04-30": 103.46
          },
          "type": "object"
        },
        "counterpartyBic": {
          "description": "BIC of the counterparty",
          "example": "PBNKDEFF",
          "type": "string"
        },
        "counterpartyIban": {
          "description": "IBAN of the counterparty",
          "example": "DE75512108001245126199",
          "type": "string"
        },
        "counterpartyName": {
          "description": "Name of the counterparty",
          "example": "Allianz Versicherungen",
          "type": "string"
        },
        "counterpartyNameUltimate": {
          "description": "Name of the ultimate counterparty",
          "example": "Allianz Versicherungen",
          "type": "string"
        },
        "creditAmount": {
          "description": "Net amount of the loan being paid back with the contract",
          "example": "2345.23",
          "type": "number"
        },
        "creditAmountGross": {
          "description": "Total amount of the loan being paid back with the contract including additional costs",
          "example": "2345.23",
          "type": "number"
        },
        "customName": {
          "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
          "example": "Allianz",
          "type": "string"
        },
        "customerNumbers": {
          "description": "List of detected customer numbers",
          "example": [
            "K1000452"
          ],
          "items": {
            "type": "string"
          },
          "type": "array"
        },
        "dateEnd": {
          "description": "Contract end date",
          "example": "2019-04-03",
          "format": "date",
          "type": "string"
        },
        "dateFirst": {
          "description": "Date of the first payment",
          "example": "2017-04-03",
          "format": "date",
          "type": "string"
        },
        "dateLatest": {
          "description": "Date of the last payment",
          "example": "2019-04-03",
          "format": "date",
          "type": "string"
        },
        "dateNext": {
          "description": "Predicted date of the next payment",
          "example": "2019-05-03",
          "format": "date",
          "type": "string"
        },
        "dateStart": {
          "description": "Contract start date",
          "example": "2017-04-03",
          "format": "date",
          "type": "string"
        },
        "daysAge": {
          "description": "Age of the contract in days",
          "example": "12",
          "type": "integer"
        },
        "growthRate": {
          "description": "Procentual growth rate per period",
          "example": "4.34",
          "type": "number"
        },
        "interestRate": {
          "description": "Effective annual interest rate estimated for this contract",
          "example": "0.04",
          "type": "number"
        },
        "interestRateNominal": {
          "description": "Nominal annual interest rate detected for this contract",
          "example": "0.04",
          "type": "number"
        },
        "numberContract": {
          "description": "Deprecated. Use field contractNumbers instead.",
          "example": "0003412312",
          "type": "string"
        },
        "numberCustomer": {
          "description": "Deprecated. Use field customerNumbers instead.",
          "example": "123412312",
          "type": "string"
        },
        "standardDeviation": {
          "description": "Standard deviation of contract payments",
          "example": "0.23",
          "type": "number"
        },
        "status": {
          "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
          "example": "NOT_ACTIVE",
          "type": "string"
        },
        "transactionIds": {
          "description": "List of transaction ids, regular and non-regular payments",
          "example": [
            "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
            "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
          ],
          "items": {
            "type": "string"
          },
          "type": "array"
        },
        "transactionIdsNonRegular": {
          "description": "List of transaction ids, non-regular payments only",
          "example": [
            "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
          ],
          "items": {
            "type": "string"
          },
          "type": "array"
        },
        "transactionIdsRegular": {
          "description": "List of transaction ids, regular payments only",
          "example": [
            "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
          ],
          "items": {
            "type": "string"
          },
          "type": "array"
        }
      },
      "required": [
        "amountFirst",
        "amountLatest",
        "amountMaximum",
        "amountMean",
        "amountMedian",
        "amountMinimum",
        "amountTotal",
        "amountTotalNonRegular",
        "amountTotalRegular",
        "contractNumbers",
        "costDevelopment",
        "costDevelopmentNonRegular",
        "costDevelopmentRegular",
        "customerNumbers",
        "dateFirst",
        "dateLatest",
        "daysAge",
        "status",
        "transactionIds",
        "transactionIdsNonRegular",
        "transactionIdsRegular"
      ],
      "type": "object"
    },
    "entity": {
      "properties": {
        "displayName": {
          "description": "Display name of the entity",
          "example": "Kontoumsatz",
          "type": "string"
        },
        "entityClass": {
          "description": "Class of the entity, such as TRANSACTION or USER",
          "example": "TRANSACTION",
          "type": "string"
        },
        "id": {
          "description": "Transaction UUID or USER UUID.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        },
        "userId": {
          "description": "UUID of the USER. Same as id field for USER entities.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        }
      },
      "required": [
        "displayName",
        "entityClass",
        "id"
      ],
      "type": "object"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "relations": {
      "description": "List of relations",
      "items": {
        "properties": {
          "href": {
            "description": "Link of the relation",
            "example": "https://banksapi.io/tags/tag-trees/",
            "type": "string"
          },
          "rel": {
            "description": "Name of the relation",
            "example": "tag_trees",
            "type": "string"
          }
        },
        "required": [
          "href",
          "rel"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "tagTreeItemBusinessPartner": {
      "properties": {
        "addressCity": {
          "description": "Address city of the business partner",
          "example": "München",
          "type": "string"
        },
        "addressCountry": {
          "description": "Address country of the business partner",
          "example": "Deutschland",
          "type": "string"
        },
        "addressStreet": {
          "description": "Address street incl. number of the business partner",
          "example": "Lyonel-Feininger-Straße 28",
          "type": "string"
        },
        "addressZip": {
          "description": "Address zip/postal code of the business partner",
          "example": " 80807",
          "type": "string"
        },
        "categories": {
          "description": "Categories the business partner belongs to.",
          "example": [
            "BANKFINANCE",
            "BANKFINANCE_INVESTMENT",
            "BANKFINANCE_OTHER",
            "SERVICES",
            "SERVICES_PROFESSIONAL",
            "SERVICES_ONLINE"
          ],
          "items": {
            "type": "string"
          },
          "type": "array"
        },
        "creditorId": {
          "description": "creditor id of the business partner",
          "example": "DEZZZ00000012345",
          "type": "string"
        },
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "BANKSapi",
          "type": "string"
        },
        "group": {
          "description": "Group the business partner belongs to.",
          "example": "Finconomy AG",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 262,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "BANKSapi Technology GmbH",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        },
        "telephone": {
          "description": "Telephone of the business partner",
          "example": "+49 (0)89 121 408 82",
          "type": "string"
        },
        "website": {
          "description": "Website of the business partner",
          "example": "www.banksapi.de",
          "type": "string"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    },
    "tagTreeItemCategory": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    },
    "tagTreeItemInsuranceType": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    },
    "tagTreeItemPeriod": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    }
  },
  "required": [
    "entity",
    "id",
    "tagTreeItemBusinessPartner",
    "tagTreeItemCategory",
    "tagTreeItemPeriod"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
details	contract_tag_instance_details_schema	false	none	none
entity	entity_schema	true	none	none
id	string	true	none	Unique Universal Identifier (UUID)
relations	[relation_schema]	false	none	List of relations
tagTreeItemBusinessPartner	business_partner_tag_tree_item_schema	true	none	none
tagTreeItemCategory	tag_tree_item_schema	true	none	none
tagTreeItemInsuranceType	tag_tree_item_schema	false	none	none
tagTreeItemPeriod	tag_tree_item_schema	true	none	none

credit_attributes_active_passive_contracts_schema

{
  "properties": {
    "activeContracts": {
      "description": "Contracts that are still running",
      "items": {
        "properties": {
          "details": {
            "properties": {
              "amountFirst": {
                "description": "First payment among contract payments",
                "example": "12.34",
                "type": "number"
              },
              "amountLatest": {
                "description": "Most recent payment among contract payments",
                "example": "21.01",
                "type": "number"
              },
              "amountMaximum": {
                "description": "Maximum payment among contract payments",
                "example": "23.23",
                "type": "number"
              },
              "amountMean": {
                "description": "Mean payment among contract payments",
                "example": "21.35",
                "type": "number"
              },
              "amountMedian": {
                "description": "Median payment among contract payments",
                "example": "21.01",
                "type": "number"
              },
              "amountMinimum": {
                "description": "Minimum payment among contract payments",
                "example": "19.34",
                "type": "number"
              },
              "amountNext": {
                "description": "Predicted next payment based on contract payments",
                "example": "22.01",
                "type": "number"
              },
              "amountTotal": {
                "description": "Total amount of regular and non-regular payments",
                "example": "2445.23",
                "type": "number"
              },
              "amountTotalNonRegular": {
                "description": "Total amount of non-regular payments",
                "example": "100.00",
                "type": "number"
              },
              "amountTotalRegular": {
                "description": "Total amount of regular payments",
                "example": "2345.23",
                "type": "number"
              },
              "contractNumbers": {
                "description": "List of detected contract numbers",
                "example": [
                  "334112312",
                  "334112313"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "costDevelopment": {
                "description": "History of regular and non-regular payments",
                "example": {
                  "2017-04-03": 103.93,
                  "2017-04-30": 103.46,
                  "2017-05-01": 500.12
                },
                "type": "object"
              },
              "costDevelopmentNonRegular": {
                "description": "History of non-regular payments",
                "example": {
                  "2017-05-01": 500.12
                },
                "type": "object"
              },
              "costDevelopmentRegular": {
                "description": "History of regular payments",
                "example": {
                  "2017-04-03": 103.93,
                  "2017-04-30": 103.46
                },
                "type": "object"
              },
              "counterpartyBic": {
                "description": "BIC of the counterparty",
                "example": "PBNKDEFF",
                "type": "string"
              },
              "counterpartyIban": {
                "description": "IBAN of the counterparty",
                "example": "DE75512108001245126199",
                "type": "string"
              },
              "counterpartyName": {
                "description": "Name of the counterparty",
                "example": "Allianz Versicherungen",
                "type": "string"
              },
              "counterpartyNameUltimate": {
                "description": "Name of the ultimate counterparty",
                "example": "Allianz Versicherungen",
                "type": "string"
              },
              "creditAmount": {
                "description": "Net amount of the loan being paid back with the contract",
                "example": "2345.23",
                "type": "number"
              },
              "creditAmountGross": {
                "description": "Total amount of the loan being paid back with the contract including additional costs",
                "example": "2345.23",
                "type": "number"
              },
              "customName": {
                "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                "example": "Allianz",
                "type": "string"
              },
              "customerNumbers": {
                "description": "List of detected customer numbers",
                "example": [
                  "K1000452"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "dateEnd": {
                "description": "Contract end date",
                "example": "2019-04-03",
                "format": "date",
                "type": "string"
              },
              "dateFirst": {
                "description": "Date of the first payment",
                "example": "2017-04-03",
                "format": "date",
                "type": "string"
              },
              "dateLatest": {
                "description": "Date of the last payment",
                "example": "2019-04-03",
                "format": "date",
                "type": "string"
              },
              "dateNext": {
                "description": "Predicted date of the next payment",
                "example": "2019-05-03",
                "format": "date",
                "type": "string"
              },
              "dateStart": {
                "description": "Contract start date",
                "example": "2017-04-03",
                "format": "date",
                "type": "string"
              },
              "daysAge": {
                "description": "Age of the contract in days",
                "example": "12",
                "type": "integer"
              },
              "growthRate": {
                "description": "Procentual growth rate per period",
                "example": "4.34",
                "type": "number"
              },
              "interestRate": {
                "description": "Effective annual interest rate estimated for this contract",
                "example": "0.04",
                "type": "number"
              },
              "interestRateNominal": {
                "description": "Nominal annual interest rate detected for this contract",
                "example": "0.04",
                "type": "number"
              },
              "numberContract": {
                "description": "Deprecated. Use field contractNumbers instead.",
                "example": "0003412312",
                "type": "string"
              },
              "numberCustomer": {
                "description": "Deprecated. Use field customerNumbers instead.",
                "example": "123412312",
                "type": "string"
              },
              "standardDeviation": {
                "description": "Standard deviation of contract payments",
                "example": "0.23",
                "type": "number"
              },
              "status": {
                "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                "example": "NOT_ACTIVE",
                "type": "string"
              },
              "transactionIds": {
                "description": "List of transaction ids, regular and non-regular payments",
                "example": [
                  "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                  "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "transactionIdsNonRegular": {
                "description": "List of transaction ids, non-regular payments only",
                "example": [
                  "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "transactionIdsRegular": {
                "description": "List of transaction ids, regular payments only",
                "example": [
                  "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              }
            },
            "required": [
              "amountFirst",
              "amountLatest",
              "amountMaximum",
              "amountMean",
              "amountMedian",
              "amountMinimum",
              "amountTotal",
              "amountTotalNonRegular",
              "amountTotalRegular",
              "contractNumbers",
              "costDevelopment",
              "costDevelopmentNonRegular",
              "costDevelopmentRegular",
              "customerNumbers",
              "dateFirst",
              "dateLatest",
              "daysAge",
              "status",
              "transactionIds",
              "transactionIdsNonRegular",
              "transactionIdsRegular"
            ],
            "type": "object"
          },
          "entity": {
            "properties": {
              "displayName": {
                "description": "Display name of the entity",
                "example": "Kontoumsatz",
                "type": "string"
              },
              "entityClass": {
                "description": "Class of the entity, such as TRANSACTION or USER",
                "example": "TRANSACTION",
                "type": "string"
              },
              "id": {
                "description": "Transaction UUID or USER UUID.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              },
              "userId": {
                "description": "UUID of the USER. Same as id field for USER entities.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "entityClass",
              "id"
            ],
            "type": "object"
          },
          "id": {
            "description": "Unique Universal Identifier (UUID)",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "relations": {
            "description": "List of relations",
            "items": {
              "properties": {
                "href": {
                  "description": "Link of the relation",
                  "example": "https://banksapi.io/tags/tag-trees/",
                  "type": "string"
                },
                "rel": {
                  "description": "Name of the relation",
                  "example": "tag_trees",
                  "type": "string"
                }
              },
              "required": [
                "href",
                "rel"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "tagTreeItemBusinessPartner": {
            "properties": {
              "addressCity": {
                "description": "Address city of the business partner",
                "example": "München",
                "type": "string"
              },
              "addressCountry": {
                "description": "Address country of the business partner",
                "example": "Deutschland",
                "type": "string"
              },
              "addressStreet": {
                "description": "Address street incl. number of the business partner",
                "example": "Lyonel-Feininger-Straße 28",
                "type": "string"
              },
              "addressZip": {
                "description": "Address zip/postal code of the business partner",
                "example": " 80807",
                "type": "string"
              },
              "categories": {
                "description": "Categories the business partner belongs to.",
                "example": [
                  "BANKFINANCE",
                  "BANKFINANCE_INVESTMENT",
                  "BANKFINANCE_OTHER",
                  "SERVICES",
                  "SERVICES_PROFESSIONAL",
                  "SERVICES_ONLINE"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "creditorId": {
                "description": "creditor id of the business partner",
                "example": "DEZZZ00000012345",
                "type": "string"
              },
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "BANKSapi",
                "type": "string"
              },
              "group": {
                "description": "Group the business partner belongs to.",
                "example": "Finconomy AG",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 262,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "BANKSapi Technology GmbH",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              },
              "telephone": {
                "description": "Telephone of the business partner",
                "example": "+49 (0)89 121 408 82",
                "type": "string"
              },
              "website": {
                "description": "Website of the business partner",
                "example": "www.banksapi.de",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemCategory": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemInsuranceType": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemPeriod": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          }
        },
        "required": [
          "entity",
          "id",
          "tagTreeItemBusinessPartner",
          "tagTreeItemCategory",
          "tagTreeItemPeriod"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "passiveContracts": {
      "description": "Contracts that are already paid off",
      "items": {
        "properties": {
          "details": {
            "properties": {
              "amountFirst": {
                "description": "First payment among contract payments",
                "example": "12.34",
                "type": "number"
              },
              "amountLatest": {
                "description": "Most recent payment among contract payments",
                "example": "21.01",
                "type": "number"
              },
              "amountMaximum": {
                "description": "Maximum payment among contract payments",
                "example": "23.23",
                "type": "number"
              },
              "amountMean": {
                "description": "Mean payment among contract payments",
                "example": "21.35",
                "type": "number"
              },
              "amountMedian": {
                "description": "Median payment among contract payments",
                "example": "21.01",
                "type": "number"
              },
              "amountMinimum": {
                "description": "Minimum payment among contract payments",
                "example": "19.34",
                "type": "number"
              },
              "amountNext": {
                "description": "Predicted next payment based on contract payments",
                "example": "22.01",
                "type": "number"
              },
              "amountTotal": {
                "description": "Total amount of regular and non-regular payments",
                "example": "2445.23",
                "type": "number"
              },
              "amountTotalNonRegular": {
                "description": "Total amount of non-regular payments",
                "example": "100.00",
                "type": "number"
              },
              "amountTotalRegular": {
                "description": "Total amount of regular payments",
                "example": "2345.23",
                "type": "number"
              },
              "contractNumbers": {
                "description": "List of detected contract numbers",
                "example": [
                  "334112312",
                  "334112313"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "costDevelopment": {
                "description": "History of regular and non-regular payments",
                "example": {
                  "2017-04-03": 103.93,
                  "2017-04-30": 103.46,
                  "2017-05-01": 500.12
                },
                "type": "object"
              },
              "costDevelopmentNonRegular": {
                "description": "History of non-regular payments",
                "example": {
                  "2017-05-01": 500.12
                },
                "type": "object"
              },
              "costDevelopmentRegular": {
                "description": "History of regular payments",
                "example": {
                  "2017-04-03": 103.93,
                  "2017-04-30": 103.46
                },
                "type": "object"
              },
              "counterpartyBic": {
                "description": "BIC of the counterparty",
                "example": "PBNKDEFF",
                "type": "string"
              },
              "counterpartyIban": {
                "description": "IBAN of the counterparty",
                "example": "DE75512108001245126199",
                "type": "string"
              },
              "counterpartyName": {
                "description": "Name of the counterparty",
                "example": "Allianz Versicherungen",
                "type": "string"
              },
              "counterpartyNameUltimate": {
                "description": "Name of the ultimate counterparty",
                "example": "Allianz Versicherungen",
                "type": "string"
              },
              "creditAmount": {
                "description": "Net amount of the loan being paid back with the contract",
                "example": "2345.23",
                "type": "number"
              },
              "creditAmountGross": {
                "description": "Total amount of the loan being paid back with the contract including additional costs",
                "example": "2345.23",
                "type": "number"
              },
              "customName": {
                "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                "example": "Allianz",
                "type": "string"
              },
              "customerNumbers": {
                "description": "List of detected customer numbers",
                "example": [
                  "K1000452"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "dateEnd": {
                "description": "Contract end date",
                "example": "2019-04-03",
                "format": "date",
                "type": "string"
              },
              "dateFirst": {
                "description": "Date of the first payment",
                "example": "2017-04-03",
                "format": "date",
                "type": "string"
              },
              "dateLatest": {
                "description": "Date of the last payment",
                "example": "2019-04-03",
                "format": "date",
                "type": "string"
              },
              "dateNext": {
                "description": "Predicted date of the next payment",
                "example": "2019-05-03",
                "format": "date",
                "type": "string"
              },
              "dateStart": {
                "description": "Contract start date",
                "example": "2017-04-03",
                "format": "date",
                "type": "string"
              },
              "daysAge": {
                "description": "Age of the contract in days",
                "example": "12",
                "type": "integer"
              },
              "growthRate": {
                "description": "Procentual growth rate per period",
                "example": "4.34",
                "type": "number"
              },
              "interestRate": {
                "description": "Effective annual interest rate estimated for this contract",
                "example": "0.04",
                "type": "number"
              },
              "interestRateNominal": {
                "description": "Nominal annual interest rate detected for this contract",
                "example": "0.04",
                "type": "number"
              },
              "numberContract": {
                "description": "Deprecated. Use field contractNumbers instead.",
                "example": "0003412312",
                "type": "string"
              },
              "numberCustomer": {
                "description": "Deprecated. Use field customerNumbers instead.",
                "example": "123412312",
                "type": "string"
              },
              "standardDeviation": {
                "description": "Standard deviation of contract payments",
                "example": "0.23",
                "type": "number"
              },
              "status": {
                "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                "example": "NOT_ACTIVE",
                "type": "string"
              },
              "transactionIds": {
                "description": "List of transaction ids, regular and non-regular payments",
                "example": [
                  "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                  "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "transactionIdsNonRegular": {
                "description": "List of transaction ids, non-regular payments only",
                "example": [
                  "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "transactionIdsRegular": {
                "description": "List of transaction ids, regular payments only",
                "example": [
                  "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              }
            },
            "required": [
              "amountFirst",
              "amountLatest",
              "amountMaximum",
              "amountMean",
              "amountMedian",
              "amountMinimum",
              "amountTotal",
              "amountTotalNonRegular",
              "amountTotalRegular",
              "contractNumbers",
              "costDevelopment",
              "costDevelopmentNonRegular",
              "costDevelopmentRegular",
              "customerNumbers",
              "dateFirst",
              "dateLatest",
              "daysAge",
              "status",
              "transactionIds",
              "transactionIdsNonRegular",
              "transactionIdsRegular"
            ],
            "type": "object"
          },
          "entity": {
            "properties": {
              "displayName": {
                "description": "Display name of the entity",
                "example": "Kontoumsatz",
                "type": "string"
              },
              "entityClass": {
                "description": "Class of the entity, such as TRANSACTION or USER",
                "example": "TRANSACTION",
                "type": "string"
              },
              "id": {
                "description": "Transaction UUID or USER UUID.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              },
              "userId": {
                "description": "UUID of the USER. Same as id field for USER entities.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "entityClass",
              "id"
            ],
            "type": "object"
          },
          "id": {
            "description": "Unique Universal Identifier (UUID)",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "relations": {
            "description": "List of relations",
            "items": {
              "properties": {
                "href": {
                  "description": "Link of the relation",
                  "example": "https://banksapi.io/tags/tag-trees/",
                  "type": "string"
                },
                "rel": {
                  "description": "Name of the relation",
                  "example": "tag_trees",
                  "type": "string"
                }
              },
              "required": [
                "href",
                "rel"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "tagTreeItemBusinessPartner": {
            "properties": {
              "addressCity": {
                "description": "Address city of the business partner",
                "example": "München",
                "type": "string"
              },
              "addressCountry": {
                "description": "Address country of the business partner",
                "example": "Deutschland",
                "type": "string"
              },
              "addressStreet": {
                "description": "Address street incl. number of the business partner",
                "example": "Lyonel-Feininger-Straße 28",
                "type": "string"
              },
              "addressZip": {
                "description": "Address zip/postal code of the business partner",
                "example": " 80807",
                "type": "string"
              },
              "categories": {
                "description": "Categories the business partner belongs to.",
                "example": [
                  "BANKFINANCE",
                  "BANKFINANCE_INVESTMENT",
                  "BANKFINANCE_OTHER",
                  "SERVICES",
                  "SERVICES_PROFESSIONAL",
                  "SERVICES_ONLINE"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "creditorId": {
                "description": "creditor id of the business partner",
                "example": "DEZZZ00000012345",
                "type": "string"
              },
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "BANKSapi",
                "type": "string"
              },
              "group": {
                "description": "Group the business partner belongs to.",
                "example": "Finconomy AG",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 262,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "BANKSapi Technology GmbH",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              },
              "telephone": {
                "description": "Telephone of the business partner",
                "example": "+49 (0)89 121 408 82",
                "type": "string"
              },
              "website": {
                "description": "Website of the business partner",
                "example": "www.banksapi.de",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemCategory": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemInsuranceType": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemPeriod": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          }
        },
        "required": [
          "entity",
          "id",
          "tagTreeItemBusinessPartner",
          "tagTreeItemCategory",
          "tagTreeItemPeriod"
        ],
        "type": "object"
      },
      "type": "array"
    }
  },
  "required": [
    "activeContracts",
    "passiveContracts"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
activeContracts	[contract_tag_instance_schema]	true	none	Contracts that are still running
passiveContracts	[contract_tag_instance_schema]	true	none	Contracts that are already paid off

credit_attributes_assets_schema

{
  "properties": {
    "investments": {
      "description": "Net value of a brokerage account at the time of request",
      "items": {
        "properties": {
          "amount": {
            "description": "Amount of the securities",
            "example": 7,
            "type": "number"
          },
          "currency": {
            "description": "Trading currency (Alphabetic Code ISO 4217)",
            "example": "EUR",
            "type": "string"
          },
          "exchangeRate": {
            "description": "Exchange rate from EUR to the trading currency",
            "example": 1,
            "type": "number"
          },
          "isin": {
            "description": "International Securities Identification Number (ISIN) of the financial instrument",
            "example": "DE000BAY0017",
            "type": "string"
          },
          "name": {
            "description": "Name of the deposit position, usually the name of the financial instrument",
            "example": "Bayer AG",
            "type": "string"
          },
          "price": {
            "description": "Trading price in trading currency",
            "example": 53.47,
            "type": "number"
          },
          "rateDate": {
            "description": "Date of the trading rate in yyyy-mm-dd HH:MM:SS format",
            "example": "2021-03-08 09:34:46",
            "format": "date-time",
            "type": "string"
          },
          "totalValue": {
            "description": "Total value of the stock in EUR as at the end of the financial statements",
            "example": 364.66,
            "type": "number"
          },
          "unit": {
            "description": "Trading unit",
            "example": "STUECK",
            "type": "string"
          },
          "venue": {
            "description": "Trading venue of the price determination",
            "example": "MUN",
            "type": "string"
          },
          "wkn": {
            "description": "Wertpapierkennnummer (WKN) of the financial instrument. Corresponds to the German National Securities Identifying Number (NSIN), but without the three leading zeros.",
            "example": "BAY001",
            "type": "string"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "products": {
      "description": "List of all bank products such as GIROKONTO, SPARKONTO, KREDITKARTE etc..",
      "items": {
        "properties": {
          "balance": {
            "description": "Balance of the bank product",
            "example": 12675.48,
            "type": "number"
          },
          "bic": {
            "description": "BIC (Bank Identifier Code)",
            "example": "DEUTDEFFXXX",
            "type": "string"
          },
          "creditDrawn": {
            "description": "Amount of credit already extended for the bank product",
            "example": 1243.48,
            "type": "number"
          },
          "creditLimit": {
            "description": "Maximum amount of credit extended for the bank product",
            "example": 2000,
            "type": "number"
          },
          "currency": {
            "description": "Currency in which the bank product is valued/managed",
            "example": "EUR",
            "type": "string"
          },
          "iban": {
            "description": "IBAN (International Bank Account Number)",
            "example": "DE61500105173126617266",
            "type": "string"
          },
          "id": {
            "description": "ID of the bank product",
            "example": "57624057-11bf-4087-b16a-dc1a7525d3b5",
            "type": "string"
          },
          "lastUpdated": {
            "description": "Date of the last product update at the bank/service provider in yyyy-mm-dd HH:MM:SS format",
            "example": "2020-01-15 09:34:46",
            "type": "string"
          },
          "name": {
            "description": "Name of the bank product according to bank/service provider",
            "example": "Girokonto Premium Plus",
            "type": "string"
          },
          "overdraftLimit": {
            "description": "Maximum amount by which the bank product can be overdrawn",
            "example": 5000,
            "type": "number"
          },
          "owner": {
            "description": "Name of the owner",
            "example": "Erika Mustermann",
            "type": "string"
          },
          "providerId": {
            "description": "UUID of the bank/service provider",
            "example": "7721443a-30ab-4fb7-8919-4bee0e963019",
            "type": "string"
          },
          "providerName": {
            "description": "Name of the bank/service provider",
            "example": "Deutsche Bank",
            "type": "string"
          },
          "status": {
            "description": "Retrieval status for the bank product data",
            "example": "VOLLSTAENDIG",
            "type": "string"
          },
          "type": {
            "description": "Type of the bank product",
            "example": "GIROKONTO",
            "type": "string"
          }
        },
        "type": "object"
      },
      "type": "array"
    }
  },
  "required": [
    "investments",
    "products"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
investments	[investment_schema]	true	none	Net value of a brokerage account at the time of request
products	[bank_product_schema]	true	none	List of all bank products such as GIROKONTO, SPARKONTO, KREDITKARTE etc..

credit_attributes_budget_schema

{
  "properties": {
    "expenses": {
      "allOf": [
        {
          "properties": {
            "fixedSpending": {
              "allOf": [
                {
                  "properties": {
                    "statistics": {
                      "allOf": [
                        {
                          "properties": {
                            "max": {
                              "description": "Largest sum of payments in a month",
                              "type": "number"
                            },
                            "mean": {
                              "description": "Mean sum of payments per month",
                              "type": "number"
                            },
                            "median": {
                              "description": "Median sum of payments per month",
                              "type": "number"
                            },
                            "min": {
                              "description": "Smallest sum of payments in a month",
                              "type": "number"
                            }
                          },
                          "required": [
                            "max",
                            "mean",
                            "median",
                            "min"
                          ],
                          "type": "object"
                        }
                      ],
                      "description": "A summary of the statistics over the last 6 months as far as available"
                    }
                  },
                  "required": [
                    "statistics"
                  ],
                  "type": "object"
                }
              ],
              "description": "Negative financial flow out of all connected accounts, that can be attributed to contracts"
            },
            "totalSpending": {
              "allOf": [
                {
                  "properties": {
                    "statistics": {
                      "allOf": [
                        {
                          "properties": {
                            "max": {
                              "description": "Largest sum of payments in a month",
                              "type": "number"
                            },
                            "mean": {
                              "description": "Mean sum of payments per month",
                              "type": "number"
                            },
                            "median": {
                              "description": "Median sum of payments per month",
                              "type": "number"
                            },
                            "min": {
                              "description": "Smallest sum of payments in a month",
                              "type": "number"
                            }
                          },
                          "required": [
                            "max",
                            "mean",
                            "median",
                            "min"
                          ],
                          "type": "object"
                        }
                      ],
                      "description": "A summary of the statistics over the last 6 months as far as available"
                    }
                  },
                  "required": [
                    "statistics"
                  ],
                  "type": "object"
                }
              ],
              "description": "Total negative financial flow out of all connected accounts, excluding transfers between accounts"
            },
            "variableSpending": {
              "allOf": [
                {
                  "properties": {
                    "statistics": {
                      "allOf": [
                        {
                          "properties": {
                            "max": {
                              "description": "Largest sum of payments in a month",
                              "type": "number"
                            },
                            "mean": {
                              "description": "Mean sum of payments per month",
                              "type": "number"
                            },
                            "median": {
                              "description": "Median sum of payments per month",
                              "type": "number"
                            },
                            "min": {
                              "description": "Smallest sum of payments in a month",
                              "type": "number"
                            }
                          },
                          "required": [
                            "max",
                            "mean",
                            "median",
                            "min"
                          ],
                          "type": "object"
                        }
                      ],
                      "description": "A summary of the statistics over the last 6 months as far as available"
                    }
                  },
                  "required": [
                    "statistics"
                  ],
                  "type": "object"
                }
              ],
              "description": "Negative financial flow out of all connected accounts, that can not be attributed to contracts"
            }
          },
          "required": [
            "fixedSpending",
            "totalSpending",
            "variableSpending"
          ],
          "type": "object"
        }
      ],
      "description": "Breakdown of negative financial flow into fixed and variable spending, excluding transfers between connected accounts"
    },
    "income": {
      "allOf": [
        {
          "properties": {
            "fixedIncome": {
              "allOf": [
                {
                  "properties": {
                    "contracts": {
                      "description": "A list of all contracts in this category active or ended within the last 6 months",
                      "items": {
                        "properties": {
                          "details": {
                            "properties": {
                              "amountFirst": {
                                "description": "First payment among contract payments",
                                "example": "12.34",
                                "type": "number"
                              },
                              "amountLatest": {
                                "description": "Most recent payment among contract payments",
                                "example": "21.01",
                                "type": "number"
                              },
                              "amountMaximum": {
                                "description": "Maximum payment among contract payments",
                                "example": "23.23",
                                "type": "number"
                              },
                              "amountMean": {
                                "description": "Mean payment among contract payments",
                                "example": "21.35",
                                "type": "number"
                              },
                              "amountMedian": {
                                "description": "Median payment among contract payments",
                                "example": "21.01",
                                "type": "number"
                              },
                              "amountMinimum": {
                                "description": "Minimum payment among contract payments",
                                "example": "19.34",
                                "type": "number"
                              },
                              "amountNext": {
                                "description": "Predicted next payment based on contract payments",
                                "example": "22.01",
                                "type": "number"
                              },
                              "amountTotal": {
                                "description": "Total amount of regular and non-regular payments",
                                "example": "2445.23",
                                "type": "number"
                              },
                              "amountTotalNonRegular": {
                                "description": "Total amount of non-regular payments",
                                "example": "100.00",
                                "type": "number"
                              },
                              "amountTotalRegular": {
                                "description": "Total amount of regular payments",
                                "example": "2345.23",
                                "type": "number"
                              },
                              "contractNumbers": {
                                "description": "List of detected contract numbers",
                                "example": [
                                  "334112312",
                                  "334112313"
                                ],
                                "items": {
                                  "type": "string"
                                },
                                "type": "array"
                              },
                              "costDevelopment": {
                                "description": "History of regular and non-regular payments",
                                "example": {
                                  "2017-04-03": 103.93,
                                  "2017-04-30": 103.46,
                                  "2017-05-01": 500.12
                                },
                                "type": "object"
                              },
                              "costDevelopmentNonRegular": {
                                "description": "History of non-regular payments",
                                "example": {
                                  "2017-05-01": 500.12
                                },
                                "type": "object"
                              },
                              "costDevelopmentRegular": {
                                "description": "History of regular payments",
                                "example": {
                                  "2017-04-03": 103.93,
                                  "2017-04-30": 103.46
                                },
                                "type": "object"
                              },
                              "counterpartyBic": {
                                "description": "BIC of the counterparty",
                                "example": "PBNKDEFF",
                                "type": "string"
                              },
                              "counterpartyIban": {
                                "description": "IBAN of the counterparty",
                                "example": "DE75512108001245126199",
                                "type": "string"
                              },
                              "counterpartyName": {
                                "description": "Name of the counterparty",
                                "example": "Allianz Versicherungen",
                                "type": "string"
                              },
                              "counterpartyNameUltimate": {
                                "description": "Name of the ultimate counterparty",
                                "example": "Allianz Versicherungen",
                                "type": "string"
                              },
                              "creditAmount": {
                                "description": "Net amount of the loan being paid back with the contract",
                                "example": "2345.23",
                                "type": "number"
                              },
                              "creditAmountGross": {
                                "description": "Total amount of the loan being paid back with the contract including additional costs",
                                "example": "2345.23",
                                "type": "number"
                              },
                              "customName": {
                                "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                                "example": "Allianz",
                                "type": "string"
                              },
                              "customerNumbers": {
                                "description": "List of detected customer numbers",
                                "example": [
                                  "K1000452"
                                ],
                                "items": {
                                  "type": "string"
                                },
                                "type": "array"
                              },
                              "dateEnd": {
                                "description": "Contract end date",
                                "example": "2019-04-03",
                                "format": "date",
                                "type": "string"
                              },
                              "dateFirst": {
                                "description": "Date of the first payment",
                                "example": "2017-04-03",
                                "format": "date",
                                "type": "string"
                              },
                              "dateLatest": {
                                "description": "Date of the last payment",
                                "example": "2019-04-03",
                                "format": "date",
                                "type": "string"
                              },
                              "dateNext": {
                                "description": "Predicted date of the next payment",
                                "example": "2019-05-03",
                                "format": "date",
                                "type": "string"
                              },
                              "dateStart": {
                                "description": "Contract start date",
                                "example": "2017-04-03",
                                "format": "date",
                                "type": "string"
                              },
                              "daysAge": {
                                "description": "Age of the contract in days",
                                "example": "12",
                                "type": "integer"
                              },
                              "growthRate": {
                                "description": "Procentual growth rate per period",
                                "example": "4.34",
                                "type": "number"
                              },
                              "interestRate": {
                                "description": "Effective annual interest rate estimated for this contract",
                                "example": "0.04",
                                "type": "number"
                              },
                              "interestRateNominal": {
                                "description": "Nominal annual interest rate detected for this contract",
                                "example": "0.04",
                                "type": "number"
                              },
                              "numberContract": {
                                "description": "Deprecated. Use field contractNumbers instead.",
                                "example": "0003412312",
                                "type": "string"
                              },
                              "numberCustomer": {
                                "description": "Deprecated. Use field customerNumbers instead.",
                                "example": "123412312",
                                "type": "string"
                              },
                              "standardDeviation": {
                                "description": "Standard deviation of contract payments",
                                "example": "0.23",
                                "type": "number"
                              },
                              "status": {
                                "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                                "example": "NOT_ACTIVE",
                                "type": "string"
                              },
                              "transactionIds": {
                                "description": "List of transaction ids, regular and non-regular payments",
                                "example": [
                                  "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                  "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                                  "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                                ],
                                "items": {
                                  "type": "string"
                                },
                                "type": "array"
                              },
                              "transactionIdsNonRegular": {
                                "description": "List of transaction ids, non-regular payments only",
                                "example": [
                                  "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                                ],
                                "items": {
                                  "type": "string"
                                },
                                "type": "array"
                              },
                              "transactionIdsRegular": {
                                "description": "List of transaction ids, regular payments only",
                                "example": [
                                  "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                  "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                                ],
                                "items": {
                                  "type": "string"
                                },
                                "type": "array"
                              }
                            },
                            "required": [
                              "amountFirst",
                              "amountLatest",
                              "amountMaximum",
                              "amountMean",
                              "amountMedian",
                              "amountMinimum",
                              "amountTotal",
                              "amountTotalNonRegular",
                              "amountTotalRegular",
                              "contractNumbers",
                              "costDevelopment",
                              "costDevelopmentNonRegular",
                              "costDevelopmentRegular",
                              "customerNumbers",
                              "dateFirst",
                              "dateLatest",
                              "daysAge",
                              "status",
                              "transactionIds",
                              "transactionIdsNonRegular",
                              "transactionIdsRegular"
                            ],
                            "type": "object"
                          },
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItemBusinessPartner": {
                            "properties": {
                              "addressCity": {
                                "description": "Address city of the business partner",
                                "example": "München",
                                "type": "string"
                              },
                              "addressCountry": {
                                "description": "Address country of the business partner",
                                "example": "Deutschland",
                                "type": "string"
                              },
                              "addressStreet": {
                                "description": "Address street incl. number of the business partner",
                                "example": "Lyonel-Feininger-Straße 28",
                                "type": "string"
                              },
                              "addressZip": {
                                "description": "Address zip/postal code of the business partner",
                                "example": " 80807",
                                "type": "string"
                              },
                              "categories": {
                                "description": "Categories the business partner belongs to.",
                                "example": [
                                  "BANKFINANCE",
                                  "BANKFINANCE_INVESTMENT",
                                  "BANKFINANCE_OTHER",
                                  "SERVICES",
                                  "SERVICES_PROFESSIONAL",
                                  "SERVICES_ONLINE"
                                ],
                                "items": {
                                  "type": "string"
                                },
                                "type": "array"
                              },
                              "creditorId": {
                                "description": "creditor id of the business partner",
                                "example": "DEZZZ00000012345",
                                "type": "string"
                              },
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "BANKSapi",
                                "type": "string"
                              },
                              "group": {
                                "description": "Group the business partner belongs to.",
                                "example": "Finconomy AG",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 262,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "BANKSapi Technology GmbH",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              },
                              "telephone": {
                                "description": "Telephone of the business partner",
                                "example": "+49 (0)89 121 408 82",
                                "type": "string"
                              },
                              "website": {
                                "description": "Website of the business partner",
                                "example": "www.banksapi.de",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          },
                          "tagTreeItemCategory": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          },
                          "tagTreeItemInsuranceType": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          },
                          "tagTreeItemPeriod": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItemBusinessPartner",
                          "tagTreeItemCategory",
                          "tagTreeItemPeriod"
                        ],
                        "type": "object"
                      },
                      "type": "array"
                    },
                    "statistics": {
                      "allOf": [
                        {
                          "properties": {
                            "max": {
                              "description": "Largest sum of payments in a month",
                              "type": "number"
                            },
                            "mean": {
                              "description": "Mean sum of payments per month",
                              "type": "number"
                            },
                            "median": {
                              "description": "Median sum of payments per month",
                              "type": "number"
                            },
                            "min": {
                              "description": "Smallest sum of payments in a month",
                              "type": "number"
                            }
                          },
                          "required": [
                            "max",
                            "mean",
                            "median",
                            "min"
                          ],
                          "type": "object"
                        }
                      ],
                      "description": "A summary of the statistics over the last 6 months as far as available"
                    }
                  },
                  "required": [
                    "contracts",
                    "statistics"
                  ],
                  "type": "object"
                }
              ],
              "description": "Information related to non-salary recurring income sources such as rental or retirement income"
            },
            "salary": {
              "allOf": [
                {
                  "properties": {
                    "contracts": {
                      "description": "A list of all contracts in this category active or ended within the last 6 months",
                      "items": {
                        "properties": {
                          "details": {
                            "properties": {
                              "amountFirst": {
                                "description": "First payment among contract payments",
                                "example": "12.34",
                                "type": "number"
                              },
                              "amountLatest": {
                                "description": "Most recent payment among contract payments",
                                "example": "21.01",
                                "type": "number"
                              },
                              "amountMaximum": {
                                "description": "Maximum payment among contract payments",
                                "example": "23.23",
                                "type": "number"
                              },
                              "amountMean": {
                                "description": "Mean payment among contract payments",
                                "example": "21.35",
                                "type": "number"
                              },
                              "amountMedian": {
                                "description": "Median payment among contract payments",
                                "example": "21.01",
                                "type": "number"
                              },
                              "amountMinimum": {
                                "description": "Minimum payment among contract payments",
                                "example": "19.34",
                                "type": "number"
                              },
                              "amountNext": {
                                "description": "Predicted next payment based on contract payments",
                                "example": "22.01",
                                "type": "number"
                              },
                              "amountTotal": {
                                "description": "Total amount of regular and non-regular payments",
                                "example": "2445.23",
                                "type": "number"
                              },
                              "amountTotalNonRegular": {
                                "description": "Total amount of non-regular payments",
                                "example": "100.00",
                                "type": "number"
                              },
                              "amountTotalRegular": {
                                "description": "Total amount of regular payments",
                                "example": "2345.23",
                                "type": "number"
                              },
                              "contractNumbers": {
                                "description": "List of detected contract numbers",
                                "example": [
                                  "334112312",
                                  "334112313"
                                ],
                                "items": {
                                  "type": "string"
                                },
                                "type": "array"
                              },
                              "costDevelopment": {
                                "description": "History of regular and non-regular payments",
                                "example": {
                                  "2017-04-03": 103.93,
                                  "2017-04-30": 103.46,
                                  "2017-05-01": 500.12
                                },
                                "type": "object"
                              },
                              "costDevelopmentNonRegular": {
                                "description": "History of non-regular payments",
                                "example": {
                                  "2017-05-01": 500.12
                                },
                                "type": "object"
                              },
                              "costDevelopmentRegular": {
                                "description": "History of regular payments",
                                "example": {
                                  "2017-04-03": 103.93,
                                  "2017-04-30": 103.46
                                },
                                "type": "object"
                              },
                              "counterpartyBic": {
                                "description": "BIC of the counterparty",
                                "example": "PBNKDEFF",
                                "type": "string"
                              },
                              "counterpartyIban": {
                                "description": "IBAN of the counterparty",
                                "example": "DE75512108001245126199",
                                "type": "string"
                              },
                              "counterpartyName": {
                                "description": "Name of the counterparty",
                                "example": "Allianz Versicherungen",
                                "type": "string"
                              },
                              "counterpartyNameUltimate": {
                                "description": "Name of the ultimate counterparty",
                                "example": "Allianz Versicherungen",
                                "type": "string"
                              },
                              "creditAmount": {
                                "description": "Net amount of the loan being paid back with the contract",
                                "example": "2345.23",
                                "type": "number"
                              },
                              "creditAmountGross": {
                                "description": "Total amount of the loan being paid back with the contract including additional costs",
                                "example": "2345.23",
                                "type": "number"
                              },
                              "customName": {
                                "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                                "example": "Allianz",
                                "type": "string"
                              },
                              "customerNumbers": {
                                "description": "List of detected customer numbers",
                                "example": [
                                  "K1000452"
                                ],
                                "items": {
                                  "type": "string"
                                },
                                "type": "array"
                              },
                              "dateEnd": {
                                "description": "Contract end date",
                                "example": "2019-04-03",
                                "format": "date",
                                "type": "string"
                              },
                              "dateFirst": {
                                "description": "Date of the first payment",
                                "example": "2017-04-03",
                                "format": "date",
                                "type": "string"
                              },
                              "dateLatest": {
                                "description": "Date of the last payment",
                                "example": "2019-04-03",
                                "format": "date",
                                "type": "string"
                              },
                              "dateNext": {
                                "description": "Predicted date of the next payment",
                                "example": "2019-05-03",
                                "format": "date",
                                "type": "string"
                              },
                              "dateStart": {
                                "description": "Contract start date",
                                "example": "2017-04-03",
                                "format": "date",
                                "type": "string"
                              },
                              "daysAge": {
                                "description": "Age of the contract in days",
                                "example": "12",
                                "type": "integer"
                              },
                              "growthRate": {
                                "description": "Procentual growth rate per period",
                                "example": "4.34",
                                "type": "number"
                              },
                              "interestRate": {
                                "description": "Effective annual interest rate estimated for this contract",
                                "example": "0.04",
                                "type": "number"
                              },
                              "interestRateNominal": {
                                "description": "Nominal annual interest rate detected for this contract",
                                "example": "0.04",
                                "type": "number"
                              },
                              "numberContract": {
                                "description": "Deprecated. Use field contractNumbers instead.",
                                "example": "0003412312",
                                "type": "string"
                              },
                              "numberCustomer": {
                                "description": "Deprecated. Use field customerNumbers instead.",
                                "example": "123412312",
                                "type": "string"
                              },
                              "standardDeviation": {
                                "description": "Standard deviation of contract payments",
                                "example": "0.23",
                                "type": "number"
                              },
                              "status": {
                                "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                                "example": "NOT_ACTIVE",
                                "type": "string"
                              },
                              "transactionIds": {
                                "description": "List of transaction ids, regular and non-regular payments",
                                "example": [
                                  "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                  "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                                  "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                                ],
                                "items": {
                                  "type": "string"
                                },
                                "type": "array"
                              },
                              "transactionIdsNonRegular": {
                                "description": "List of transaction ids, non-regular payments only",
                                "example": [
                                  "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                                ],
                                "items": {
                                  "type": "string"
                                },
                                "type": "array"
                              },
                              "transactionIdsRegular": {
                                "description": "List of transaction ids, regular payments only",
                                "example": [
                                  "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                  "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                                ],
                                "items": {
                                  "type": "string"
                                },
                                "type": "array"
                              }
                            },
                            "required": [
                              "amountFirst",
                              "amountLatest",
                              "amountMaximum",
                              "amountMean",
                              "amountMedian",
                              "amountMinimum",
                              "amountTotal",
                              "amountTotalNonRegular",
                              "amountTotalRegular",
                              "contractNumbers",
                              "costDevelopment",
                              "costDevelopmentNonRegular",
                              "costDevelopmentRegular",
                              "customerNumbers",
                              "dateFirst",
                              "dateLatest",
                              "daysAge",
                              "status",
                              "transactionIds",
                              "transactionIdsNonRegular",
                              "transactionIdsRegular"
                            ],
                            "type": "object"
                          },
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItemBusinessPartner": {
                            "properties": {
                              "addressCity": {
                                "description": "Address city of the business partner",
                                "example": "München",
                                "type": "string"
                              },
                              "addressCountry": {
                                "description": "Address country of the business partner",
                                "example": "Deutschland",
                                "type": "string"
                              },
                              "addressStreet": {
                                "description": "Address street incl. number of the business partner",
                                "example": "Lyonel-Feininger-Straße 28",
                                "type": "string"
                              },
                              "addressZip": {
                                "description": "Address zip/postal code of the business partner",
                                "example": " 80807",
                                "type": "string"
                              },
                              "categories": {
                                "description": "Categories the business partner belongs to.",
                                "example": [
                                  "BANKFINANCE",
                                  "BANKFINANCE_INVESTMENT",
                                  "BANKFINANCE_OTHER",
                                  "SERVICES",
                                  "SERVICES_PROFESSIONAL",
                                  "SERVICES_ONLINE"
                                ],
                                "items": {
                                  "type": "string"
                                },
                                "type": "array"
                              },
                              "creditorId": {
                                "description": "creditor id of the business partner",
                                "example": "DEZZZ00000012345",
                                "type": "string"
                              },
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "BANKSapi",
                                "type": "string"
                              },
                              "group": {
                                "description": "Group the business partner belongs to.",
                                "example": "Finconomy AG",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 262,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "BANKSapi Technology GmbH",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              },
                              "telephone": {
                                "description": "Telephone of the business partner",
                                "example": "+49 (0)89 121 408 82",
                                "type": "string"
                              },
                              "website": {
                                "description": "Website of the business partner",
                                "example": "www.banksapi.de",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          },
                          "tagTreeItemCategory": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          },
                          "tagTreeItemInsuranceType": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          },
                          "tagTreeItemPeriod": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItemBusinessPartner",
                          "tagTreeItemCategory",
                          "tagTreeItemPeriod"
                        ],
                        "type": "object"
                      },
                      "type": "array"
                    },
                    "lengthOfEmployment": {
                      "description": "Age of oldest continuous salary contract in days",
                      "type": "integer"
                    },
                    "statistics": {
                      "allOf": [
                        {
                          "properties": {
                            "max": {
                              "description": "Largest sum of payments in a month",
                              "type": "number"
                            },
                            "mean": {
                              "description": "Mean sum of payments per month",
                              "type": "number"
                            },
                            "median": {
                              "description": "Median sum of payments per month",
                              "type": "number"
                            },
                            "min": {
                              "description": "Smallest sum of payments in a month",
                              "type": "number"
                            }
                          },
                          "required": [
                            "max",
                            "mean",
                            "median",
                            "min"
                          ],
                          "type": "object"
                        }
                      ],
                      "description": "A summary of the statistics over the last 6 months as far as available"
                    }
                  },
                  "required": [
                    "contracts",
                    "lengthOfEmployment",
                    "statistics"
                  ],
                  "type": "object"
                }
              ],
              "description": "Information related to recurring income sources that are associated with a salary contract"
            },
            "totalIncome": {
              "allOf": [
                {
                  "properties": {
                    "statistics": {
                      "allOf": [
                        {
                          "properties": {
                            "max": {
                              "description": "Largest sum of payments in a month",
                              "type": "number"
                            },
                            "mean": {
                              "description": "Mean sum of payments per month",
                              "type": "number"
                            },
                            "median": {
                              "description": "Median sum of payments per month",
                              "type": "number"
                            },
                            "min": {
                              "description": "Smallest sum of payments in a month",
                              "type": "number"
                            }
                          },
                          "required": [
                            "max",
                            "mean",
                            "median",
                            "min"
                          ],
                          "type": "object"
                        }
                      ],
                      "description": "A summary of the statistics over the last 6 months as far as available"
                    }
                  },
                  "required": [
                    "statistics"
                  ],
                  "type": "object"
                }
              ],
              "description": "Sum of all positive financial flow, excluding transfers. Includes, salary, fixed income, windfall and non-regular income."
            },
            "variableIncome": {
              "allOf": [
                {
                  "properties": {
                    "statistics": {
                      "allOf": [
                        {
                          "properties": {
                            "max": {
                              "description": "Largest sum of payments in a month",
                              "type": "number"
                            },
                            "mean": {
                              "description": "Mean sum of payments per month",
                              "type": "number"
                            },
                            "median": {
                              "description": "Median sum of payments per month",
                              "type": "number"
                            },
                            "min": {
                              "description": "Smallest sum of payments in a month",
                              "type": "number"
                            }
                          },
                          "required": [
                            "max",
                            "mean",
                            "median",
                            "min"
                          ],
                          "type": "object"
                        }
                      ],
                      "description": "A summary of the statistics over the last 6 months as far as available"
                    }
                  },
                  "required": [
                    "statistics"
                  ],
                  "type": "object"
                }
              ],
              "description": "Financial flows that cannot be mapped to salary, fixed income or windfalls"
            },
            "windfalls": {
              "description": "One-time positive financial flows that are at least 3 times more than average total income",
              "items": {
                "properties": {
                  "amount": {
                    "description": "Amount in Euros",
                    "example": -5.67,
                    "type": "number"
                  },
                  "id": {
                    "description": "ID of the transaction",
                    "example": "57624057-11bf-4087-b16a-dc1a7525d3b5",
                    "type": "string"
                  },
                  "postingDatetime": {
                    "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM:SS format",
                    "example": "2020-01-15 09:00:00",
                    "format": "date-time",
                    "type": "string"
                  },
                  "product": {
                    "description": "ID of the banking product to which the transaction belongs",
                    "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
                    "type": "string"
                  },
                  "provider": {
                    "description": "ID of the bank/service provider to which the transaction belongs",
                    "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
                    "type": "string"
                  },
                  "tags": {
                    "allOf": [
                      {
                        "properties": {
                          "businessPartner": {
                            "allOf": [
                              {
                                "properties": {
                                  "entity": {
                                    "properties": {
                                      "displayName": {
                                        "description": "Display name of the entity",
                                        "example": "Kontoumsatz",
                                        "type": "string"
                                      },
                                      "entityClass": {
                                        "description": "Class of the entity, such as TRANSACTION or USER",
                                        "example": "TRANSACTION",
                                        "type": "string"
                                      },
                                      "id": {
                                        "description": "Transaction UUID or USER UUID.",
                                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                        "type": "string"
                                      },
                                      "userId": {
                                        "description": "UUID of the USER. Same as id field for USER entities.",
                                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                        "type": "string"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "entityClass",
                                      "id"
                                    ],
                                    "type": "object"
                                  },
                                  "id": {
                                    "description": "Unique Universal Identifier (UUID)",
                                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                    "type": "string"
                                  },
                                  "relations": {
                                    "description": "List of relations",
                                    "items": {
                                      "properties": {
                                        "href": {
                                          "description": "Link of the relation",
                                          "example": "https://banksapi.io/tags/tag-trees/",
                                          "type": "string"
                                        },
                                        "rel": {
                                          "description": "Name of the relation",
                                          "example": "tag_trees",
                                          "type": "string"
                                        }
                                      },
                                      "required": [
                                        "href",
                                        "rel"
                                      ],
                                      "type": "object"
                                    },
                                    "type": "array"
                                  },
                                  "tagTreeItem": {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tagTreeItem",
                                        "example": "Expenses from daily grocery purchases",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Groceries",
                                        "type": "string"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree item",
                                        "example": 17,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree item",
                                        "example": "LIVING_GROCERIES",
                                        "type": "string"
                                      },
                                      "systemNameParent": {
                                        "description": "Unique name of the parent of the tagTreeItem",
                                        "example": "LIVING",
                                        "type": "string"
                                      },
                                      "tagTree": {
                                        "allOf": [
                                          {
                                            "properties": {
                                              "description": {
                                                "description": "Gives a description of the tag tree",
                                                "example": "Detailed inusrance categories.",
                                                "type": "string"
                                              },
                                              "displayName": {
                                                "description": "User-friendly name shown to the end-users",
                                                "example": "Kategorien",
                                                "type": "string"
                                              },
                                              "isTenantGenerated": {
                                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                                "example": true,
                                                "type": "boolean"
                                              },
                                              "systemId": {
                                                "description": "Unique internal id of the tag tree",
                                                "example": 1,
                                                "type": "integer"
                                              },
                                              "systemName": {
                                                "description": "Unique name of the tag tree",
                                                "example": "CATEGORIES",
                                                "type": "string"
                                              },
                                              "version": {
                                                "description": "Version of the tag tree",
                                                "example": 1.5,
                                                "minimum": 0,
                                                "type": "number"
                                              }
                                            },
                                            "required": [
                                              "displayName",
                                              "isTenantGenerated",
                                              "systemId",
                                              "systemName",
                                              "version"
                                            ],
                                            "type": "object"
                                          }
                                        ],
                                        "description": "tagTree that the tagTreeItem belongs to"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "systemId",
                                      "systemName",
                                      "tagTree"
                                    ],
                                    "type": "object"
                                  }
                                },
                                "required": [
                                  "entity",
                                  "id",
                                  "tagTreeItem"
                                ],
                                "type": "object"
                              }
                            ],
                            "description": "The business partner tag assigned to the transaction"
                          },
                          "category": {
                            "allOf": [
                              {
                                "properties": {
                                  "entity": {
                                    "properties": {
                                      "displayName": {
                                        "description": "Display name of the entity",
                                        "example": "Kontoumsatz",
                                        "type": "string"
                                      },
                                      "entityClass": {
                                        "description": "Class of the entity, such as TRANSACTION or USER",
                                        "example": "TRANSACTION",
                                        "type": "string"
                                      },
                                      "id": {
                                        "description": "Transaction UUID or USER UUID.",
                                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                        "type": "string"
                                      },
                                      "userId": {
                                        "description": "UUID of the USER. Same as id field for USER entities.",
                                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                        "type": "string"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "entityClass",
                                      "id"
                                    ],
                                    "type": "object"
                                  },
                                  "id": {
                                    "description": "Unique Universal Identifier (UUID)",
                                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                    "type": "string"
                                  },
                                  "relations": {
                                    "description": "List of relations",
                                    "items": {
                                      "properties": {
                                        "href": {
                                          "description": "Link of the relation",
                                          "example": "https://banksapi.io/tags/tag-trees/",
                                          "type": "string"
                                        },
                                        "rel": {
                                          "description": "Name of the relation",
                                          "example": "tag_trees",
                                          "type": "string"
                                        }
                                      },
                                      "required": [
                                        "href",
                                        "rel"
                                      ],
                                      "type": "object"
                                    },
                                    "type": "array"
                                  },
                                  "tagTreeItem": {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tagTreeItem",
                                        "example": "Expenses from daily grocery purchases",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Groceries",
                                        "type": "string"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree item",
                                        "example": 17,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree item",
                                        "example": "LIVING_GROCERIES",
                                        "type": "string"
                                      },
                                      "systemNameParent": {
                                        "description": "Unique name of the parent of the tagTreeItem",
                                        "example": "LIVING",
                                        "type": "string"
                                      },
                                      "tagTree": {
                                        "allOf": [
                                          {
                                            "properties": {
                                              "description": {
                                                "description": "Gives a description of the tag tree",
                                                "example": "Detailed inusrance categories.",
                                                "type": "string"
                                              },
                                              "displayName": {
                                                "description": "User-friendly name shown to the end-users",
                                                "example": "Kategorien",
                                                "type": "string"
                                              },
                                              "isTenantGenerated": {
                                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                                "example": true,
                                                "type": "boolean"
                                              },
                                              "systemId": {
                                                "description": "Unique internal id of the tag tree",
                                                "example": 1,
                                                "type": "integer"
                                              },
                                              "systemName": {
                                                "description": "Unique name of the tag tree",
                                                "example": "CATEGORIES",
                                                "type": "string"
                                              },
                                              "version": {
                                                "description": "Version of the tag tree",
                                                "example": 1.5,
                                                "minimum": 0,
                                                "type": "number"
                                              }
                                            },
                                            "required": [
                                              "displayName",
                                              "isTenantGenerated",
                                              "systemId",
                                              "systemName",
                                              "version"
                                            ],
                                            "type": "object"
                                          }
                                        ],
                                        "description": "tagTree that the tagTreeItem belongs to"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "systemId",
                                      "systemName",
                                      "tagTree"
                                    ],
                                    "type": "object"
                                  }
                                },
                                "required": [
                                  "entity",
                                  "id",
                                  "tagTreeItem"
                                ],
                                "type": "object"
                              }
                            ],
                            "description": "The categorization tag assigned to the transaction"
                          },
                          "insurance": {
                            "allOf": [
                              {
                                "properties": {
                                  "entity": {
                                    "properties": {
                                      "displayName": {
                                        "description": "Display name of the entity",
                                        "example": "Kontoumsatz",
                                        "type": "string"
                                      },
                                      "entityClass": {
                                        "description": "Class of the entity, such as TRANSACTION or USER",
                                        "example": "TRANSACTION",
                                        "type": "string"
                                      },
                                      "id": {
                                        "description": "Transaction UUID or USER UUID.",
                                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                        "type": "string"
                                      },
                                      "userId": {
                                        "description": "UUID of the USER. Same as id field for USER entities.",
                                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                        "type": "string"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "entityClass",
                                      "id"
                                    ],
                                    "type": "object"
                                  },
                                  "id": {
                                    "description": "Unique Universal Identifier (UUID)",
                                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                    "type": "string"
                                  },
                                  "relations": {
                                    "description": "List of relations",
                                    "items": {
                                      "properties": {
                                        "href": {
                                          "description": "Link of the relation",
                                          "example": "https://banksapi.io/tags/tag-trees/",
                                          "type": "string"
                                        },
                                        "rel": {
                                          "description": "Name of the relation",
                                          "example": "tag_trees",
                                          "type": "string"
                                        }
                                      },
                                      "required": [
                                        "href",
                                        "rel"
                                      ],
                                      "type": "object"
                                    },
                                    "type": "array"
                                  },
                                  "tagTreeItem": {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tagTreeItem",
                                        "example": "Expenses from daily grocery purchases",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Groceries",
                                        "type": "string"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree item",
                                        "example": 17,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree item",
                                        "example": "LIVING_GROCERIES",
                                        "type": "string"
                                      },
                                      "systemNameParent": {
                                        "description": "Unique name of the parent of the tagTreeItem",
                                        "example": "LIVING",
                                        "type": "string"
                                      },
                                      "tagTree": {
                                        "allOf": [
                                          {
                                            "properties": {
                                              "description": {
                                                "description": "Gives a description of the tag tree",
                                                "example": "Detailed inusrance categories.",
                                                "type": "string"
                                              },
                                              "displayName": {
                                                "description": "User-friendly name shown to the end-users",
                                                "example": "Kategorien",
                                                "type": "string"
                                              },
                                              "isTenantGenerated": {
                                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                                "example": true,
                                                "type": "boolean"
                                              },
                                              "systemId": {
                                                "description": "Unique internal id of the tag tree",
                                                "example": 1,
                                                "type": "integer"
                                              },
                                              "systemName": {
                                                "description": "Unique name of the tag tree",
                                                "example": "CATEGORIES",
                                                "type": "string"
                                              },
                                              "version": {
                                                "description": "Version of the tag tree",
                                                "example": 1.5,
                                                "minimum": 0,
                                                "type": "number"
                                              }
                                            },
                                            "required": [
                                              "displayName",
                                              "isTenantGenerated",
                                              "systemId",
                                              "systemName",
                                              "version"
                                            ],
                                            "type": "object"
                                          }
                                        ],
                                        "description": "tagTree that the tagTreeItem belongs to"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "systemId",
                                      "systemName",
                                      "tagTree"
                                    ],
                                    "type": "object"
                                  }
                                },
                                "required": [
                                  "entity",
                                  "id",
                                  "tagTreeItem"
                                ],
                                "type": "object"
                              }
                            ],
                            "description": "The insurance tag assigned to the transaction"
                          }
                        },
                        "type": "object"
                      }
                    ],
                    "description": "Tags detected for this transaction"
                  }
                },
                "required": [
                  "amount",
                  "postingDatetime",
                  "product",
                  "provider"
                ],
                "type": "object"
              },
              "type": "array"
            }
          },
          "required": [
            "fixedIncome",
            "salary",
            "totalIncome",
            "variableIncome",
            "windfalls"
          ],
          "type": "object"
        }
      ],
      "description": "Breakdown of positive financial flow, excluding transfers between connected accounts"
    },
    "net": {
      "allOf": [
        {
          "properties": {
            "positiveCashflowRatio": {
              "description": "Ratio of months where there was a positive net cash-flow in last 6 months",
              "type": "number"
            },
            "statistics": {
              "allOf": [
                {
                  "properties": {
                    "max": {
                      "description": "Largest sum of payments in a month",
                      "type": "number"
                    },
                    "mean": {
                      "description": "Mean sum of payments per month",
                      "type": "number"
                    },
                    "median": {
                      "description": "Median sum of payments per month",
                      "type": "number"
                    },
                    "min": {
                      "description": "Smallest sum of payments in a month",
                      "type": "number"
                    }
                  },
                  "required": [
                    "max",
                    "mean",
                    "median",
                    "min"
                  ],
                  "type": "object"
                }
              ],
              "description": "A summary of the statistics over the last 6 months as far as available"
            }
          },
          "required": [
            "positiveCashflowRatio",
            "statistics"
          ],
          "type": "object"
        }
      ],
      "description": "Net financial flow that accumulates monthly after total spending and total saving is deducted from total income"
    },
    "savings": {
      "allOf": [
        {
          "properties": {
            "statistics": {
              "allOf": [
                {
                  "properties": {
                    "max": {
                      "description": "Largest sum of payments in a month",
                      "type": "number"
                    },
                    "mean": {
                      "description": "Mean sum of payments per month",
                      "type": "number"
                    },
                    "median": {
                      "description": "Median sum of payments per month",
                      "type": "number"
                    },
                    "min": {
                      "description": "Smallest sum of payments in a month",
                      "type": "number"
                    }
                  },
                  "required": [
                    "max",
                    "mean",
                    "median",
                    "min"
                  ],
                  "type": "object"
                }
              ],
              "description": "A summary of the statistics over the last 6 months as far as available"
            }
          },
          "required": [
            "statistics"
          ],
          "type": "object"
        }
      ],
      "description": "Financial flow that is spent into savings-related targets such as depots, savings-books"
    }
  },
  "required": [
    "expenses",
    "income",
    "net",
    "savings"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
expenses	credit_attributes_expenses_schema	true	none	Breakdown of negative financial flow into fixed and variable spending, excluding transfers between connected accounts
income	credit_attributes_income_schema	true	none	Breakdown of positive financial flow, excluding transfers between connected accounts
net	credit_attributes_net_schema	true	none	Net financial flow that accumulates monthly after total spending and total saving is deducted from total income
savings	credit_attributes_category_summary_schema	true	none	Financial flow that is spent into savings-related targets such as depots, savings-books

credit_attributes_category_summary_schema

{
  "properties": {
    "statistics": {
      "allOf": [
        {
          "properties": {
            "max": {
              "description": "Largest sum of payments in a month",
              "type": "number"
            },
            "mean": {
              "description": "Mean sum of payments per month",
              "type": "number"
            },
            "median": {
              "description": "Median sum of payments per month",
              "type": "number"
            },
            "min": {
              "description": "Smallest sum of payments in a month",
              "type": "number"
            }
          },
          "required": [
            "max",
            "mean",
            "median",
            "min"
          ],
          "type": "object"
        }
      ],
      "description": "A summary of the statistics over the last 6 months as far as available"
    }
  },
  "required": [
    "statistics"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
statistics	credit_attributes_statistics_schema	true	none	A summary of the statistics over the last 6 months as far as available

credit_attributes_contract_budget_type_schema

{
  "properties": {
    "contracts": {
      "description": "A list of all contracts in this category active or ended within the last 6 months",
      "items": {
        "properties": {
          "details": {
            "properties": {
              "amountFirst": {
                "description": "First payment among contract payments",
                "example": "12.34",
                "type": "number"
              },
              "amountLatest": {
                "description": "Most recent payment among contract payments",
                "example": "21.01",
                "type": "number"
              },
              "amountMaximum": {
                "description": "Maximum payment among contract payments",
                "example": "23.23",
                "type": "number"
              },
              "amountMean": {
                "description": "Mean payment among contract payments",
                "example": "21.35",
                "type": "number"
              },
              "amountMedian": {
                "description": "Median payment among contract payments",
                "example": "21.01",
                "type": "number"
              },
              "amountMinimum": {
                "description": "Minimum payment among contract payments",
                "example": "19.34",
                "type": "number"
              },
              "amountNext": {
                "description": "Predicted next payment based on contract payments",
                "example": "22.01",
                "type": "number"
              },
              "amountTotal": {
                "description": "Total amount of regular and non-regular payments",
                "example": "2445.23",
                "type": "number"
              },
              "amountTotalNonRegular": {
                "description": "Total amount of non-regular payments",
                "example": "100.00",
                "type": "number"
              },
              "amountTotalRegular": {
                "description": "Total amount of regular payments",
                "example": "2345.23",
                "type": "number"
              },
              "contractNumbers": {
                "description": "List of detected contract numbers",
                "example": [
                  "334112312",
                  "334112313"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "costDevelopment": {
                "description": "History of regular and non-regular payments",
                "example": {
                  "2017-04-03": 103.93,
                  "2017-04-30": 103.46,
                  "2017-05-01": 500.12
                },
                "type": "object"
              },
              "costDevelopmentNonRegular": {
                "description": "History of non-regular payments",
                "example": {
                  "2017-05-01": 500.12
                },
                "type": "object"
              },
              "costDevelopmentRegular": {
                "description": "History of regular payments",
                "example": {
                  "2017-04-03": 103.93,
                  "2017-04-30": 103.46
                },
                "type": "object"
              },
              "counterpartyBic": {
                "description": "BIC of the counterparty",
                "example": "PBNKDEFF",
                "type": "string"
              },
              "counterpartyIban": {
                "description": "IBAN of the counterparty",
                "example": "DE75512108001245126199",
                "type": "string"
              },
              "counterpartyName": {
                "description": "Name of the counterparty",
                "example": "Allianz Versicherungen",
                "type": "string"
              },
              "counterpartyNameUltimate": {
                "description": "Name of the ultimate counterparty",
                "example": "Allianz Versicherungen",
                "type": "string"
              },
              "creditAmount": {
                "description": "Net amount of the loan being paid back with the contract",
                "example": "2345.23",
                "type": "number"
              },
              "creditAmountGross": {
                "description": "Total amount of the loan being paid back with the contract including additional costs",
                "example": "2345.23",
                "type": "number"
              },
              "customName": {
                "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                "example": "Allianz",
                "type": "string"
              },
              "customerNumbers": {
                "description": "List of detected customer numbers",
                "example": [
                  "K1000452"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "dateEnd": {
                "description": "Contract end date",
                "example": "2019-04-03",
                "format": "date",
                "type": "string"
              },
              "dateFirst": {
                "description": "Date of the first payment",
                "example": "2017-04-03",
                "format": "date",
                "type": "string"
              },
              "dateLatest": {
                "description": "Date of the last payment",
                "example": "2019-04-03",
                "format": "date",
                "type": "string"
              },
              "dateNext": {
                "description": "Predicted date of the next payment",
                "example": "2019-05-03",
                "format": "date",
                "type": "string"
              },
              "dateStart": {
                "description": "Contract start date",
                "example": "2017-04-03",
                "format": "date",
                "type": "string"
              },
              "daysAge": {
                "description": "Age of the contract in days",
                "example": "12",
                "type": "integer"
              },
              "growthRate": {
                "description": "Procentual growth rate per period",
                "example": "4.34",
                "type": "number"
              },
              "interestRate": {
                "description": "Effective annual interest rate estimated for this contract",
                "example": "0.04",
                "type": "number"
              },
              "interestRateNominal": {
                "description": "Nominal annual interest rate detected for this contract",
                "example": "0.04",
                "type": "number"
              },
              "numberContract": {
                "description": "Deprecated. Use field contractNumbers instead.",
                "example": "0003412312",
                "type": "string"
              },
              "numberCustomer": {
                "description": "Deprecated. Use field customerNumbers instead.",
                "example": "123412312",
                "type": "string"
              },
              "standardDeviation": {
                "description": "Standard deviation of contract payments",
                "example": "0.23",
                "type": "number"
              },
              "status": {
                "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                "example": "NOT_ACTIVE",
                "type": "string"
              },
              "transactionIds": {
                "description": "List of transaction ids, regular and non-regular payments",
                "example": [
                  "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                  "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "transactionIdsNonRegular": {
                "description": "List of transaction ids, non-regular payments only",
                "example": [
                  "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "transactionIdsRegular": {
                "description": "List of transaction ids, regular payments only",
                "example": [
                  "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              }
            },
            "required": [
              "amountFirst",
              "amountLatest",
              "amountMaximum",
              "amountMean",
              "amountMedian",
              "amountMinimum",
              "amountTotal",
              "amountTotalNonRegular",
              "amountTotalRegular",
              "contractNumbers",
              "costDevelopment",
              "costDevelopmentNonRegular",
              "costDevelopmentRegular",
              "customerNumbers",
              "dateFirst",
              "dateLatest",
              "daysAge",
              "status",
              "transactionIds",
              "transactionIdsNonRegular",
              "transactionIdsRegular"
            ],
            "type": "object"
          },
          "entity": {
            "properties": {
              "displayName": {
                "description": "Display name of the entity",
                "example": "Kontoumsatz",
                "type": "string"
              },
              "entityClass": {
                "description": "Class of the entity, such as TRANSACTION or USER",
                "example": "TRANSACTION",
                "type": "string"
              },
              "id": {
                "description": "Transaction UUID or USER UUID.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              },
              "userId": {
                "description": "UUID of the USER. Same as id field for USER entities.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "entityClass",
              "id"
            ],
            "type": "object"
          },
          "id": {
            "description": "Unique Universal Identifier (UUID)",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "relations": {
            "description": "List of relations",
            "items": {
              "properties": {
                "href": {
                  "description": "Link of the relation",
                  "example": "https://banksapi.io/tags/tag-trees/",
                  "type": "string"
                },
                "rel": {
                  "description": "Name of the relation",
                  "example": "tag_trees",
                  "type": "string"
                }
              },
              "required": [
                "href",
                "rel"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "tagTreeItemBusinessPartner": {
            "properties": {
              "addressCity": {
                "description": "Address city of the business partner",
                "example": "München",
                "type": "string"
              },
              "addressCountry": {
                "description": "Address country of the business partner",
                "example": "Deutschland",
                "type": "string"
              },
              "addressStreet": {
                "description": "Address street incl. number of the business partner",
                "example": "Lyonel-Feininger-Straße 28",
                "type": "string"
              },
              "addressZip": {
                "description": "Address zip/postal code of the business partner",
                "example": " 80807",
                "type": "string"
              },
              "categories": {
                "description": "Categories the business partner belongs to.",
                "example": [
                  "BANKFINANCE",
                  "BANKFINANCE_INVESTMENT",
                  "BANKFINANCE_OTHER",
                  "SERVICES",
                  "SERVICES_PROFESSIONAL",
                  "SERVICES_ONLINE"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "creditorId": {
                "description": "creditor id of the business partner",
                "example": "DEZZZ00000012345",
                "type": "string"
              },
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "BANKSapi",
                "type": "string"
              },
              "group": {
                "description": "Group the business partner belongs to.",
                "example": "Finconomy AG",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 262,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "BANKSapi Technology GmbH",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              },
              "telephone": {
                "description": "Telephone of the business partner",
                "example": "+49 (0)89 121 408 82",
                "type": "string"
              },
              "website": {
                "description": "Website of the business partner",
                "example": "www.banksapi.de",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemCategory": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemInsuranceType": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemPeriod": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          }
        },
        "required": [
          "entity",
          "id",
          "tagTreeItemBusinessPartner",
          "tagTreeItemCategory",
          "tagTreeItemPeriod"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "statistics": {
      "allOf": [
        {
          "properties": {
            "max": {
              "description": "Largest sum of payments in a month",
              "type": "number"
            },
            "mean": {
              "description": "Mean sum of payments per month",
              "type": "number"
            },
            "median": {
              "description": "Median sum of payments per month",
              "type": "number"
            },
            "min": {
              "description": "Smallest sum of payments in a month",
              "type": "number"
            }
          },
          "required": [
            "max",
            "mean",
            "median",
            "min"
          ],
          "type": "object"
        }
      ],
      "description": "A summary of the statistics over the last 6 months as far as available"
    }
  },
  "required": [
    "contracts",
    "statistics"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
contracts	[contract_tag_instance_schema]	true	none	A list of all contracts in this category active or ended within the last 6 months
statistics	credit_attributes_statistics_schema	true	none	A summary of the statistics over the last 6 months as far as available

credit_attributes_credit_schema

{
  "properties": {
    "financialCredit": {
      "allOf": [
        {
          "properties": {
            "activeContracts": {
              "description": "Contracts that are still running",
              "items": {
                "properties": {
                  "details": {
                    "properties": {
                      "amountFirst": {
                        "description": "First payment among contract payments",
                        "example": "12.34",
                        "type": "number"
                      },
                      "amountLatest": {
                        "description": "Most recent payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMaximum": {
                        "description": "Maximum payment among contract payments",
                        "example": "23.23",
                        "type": "number"
                      },
                      "amountMean": {
                        "description": "Mean payment among contract payments",
                        "example": "21.35",
                        "type": "number"
                      },
                      "amountMedian": {
                        "description": "Median payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMinimum": {
                        "description": "Minimum payment among contract payments",
                        "example": "19.34",
                        "type": "number"
                      },
                      "amountNext": {
                        "description": "Predicted next payment based on contract payments",
                        "example": "22.01",
                        "type": "number"
                      },
                      "amountTotal": {
                        "description": "Total amount of regular and non-regular payments",
                        "example": "2445.23",
                        "type": "number"
                      },
                      "amountTotalNonRegular": {
                        "description": "Total amount of non-regular payments",
                        "example": "100.00",
                        "type": "number"
                      },
                      "amountTotalRegular": {
                        "description": "Total amount of regular payments",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "contractNumbers": {
                        "description": "List of detected contract numbers",
                        "example": [
                          "334112312",
                          "334112313"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "costDevelopment": {
                        "description": "History of regular and non-regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46,
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentNonRegular": {
                        "description": "History of non-regular payments",
                        "example": {
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentRegular": {
                        "description": "History of regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46
                        },
                        "type": "object"
                      },
                      "counterpartyBic": {
                        "description": "BIC of the counterparty",
                        "example": "PBNKDEFF",
                        "type": "string"
                      },
                      "counterpartyIban": {
                        "description": "IBAN of the counterparty",
                        "example": "DE75512108001245126199",
                        "type": "string"
                      },
                      "counterpartyName": {
                        "description": "Name of the counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "counterpartyNameUltimate": {
                        "description": "Name of the ultimate counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "creditAmount": {
                        "description": "Net amount of the loan being paid back with the contract",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "creditAmountGross": {
                        "description": "Total amount of the loan being paid back with the contract including additional costs",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "customName": {
                        "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                        "example": "Allianz",
                        "type": "string"
                      },
                      "customerNumbers": {
                        "description": "List of detected customer numbers",
                        "example": [
                          "K1000452"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "dateEnd": {
                        "description": "Contract end date",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateFirst": {
                        "description": "Date of the first payment",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateLatest": {
                        "description": "Date of the last payment",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateNext": {
                        "description": "Predicted date of the next payment",
                        "example": "2019-05-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateStart": {
                        "description": "Contract start date",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "daysAge": {
                        "description": "Age of the contract in days",
                        "example": "12",
                        "type": "integer"
                      },
                      "growthRate": {
                        "description": "Procentual growth rate per period",
                        "example": "4.34",
                        "type": "number"
                      },
                      "interestRate": {
                        "description": "Effective annual interest rate estimated for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "interestRateNominal": {
                        "description": "Nominal annual interest rate detected for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "numberContract": {
                        "description": "Deprecated. Use field contractNumbers instead.",
                        "example": "0003412312",
                        "type": "string"
                      },
                      "numberCustomer": {
                        "description": "Deprecated. Use field customerNumbers instead.",
                        "example": "123412312",
                        "type": "string"
                      },
                      "standardDeviation": {
                        "description": "Standard deviation of contract payments",
                        "example": "0.23",
                        "type": "number"
                      },
                      "status": {
                        "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                        "example": "NOT_ACTIVE",
                        "type": "string"
                      },
                      "transactionIds": {
                        "description": "List of transaction ids, regular and non-regular payments",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsNonRegular": {
                        "description": "List of transaction ids, non-regular payments only",
                        "example": [
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsRegular": {
                        "description": "List of transaction ids, regular payments only",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      }
                    },
                    "required": [
                      "amountFirst",
                      "amountLatest",
                      "amountMaximum",
                      "amountMean",
                      "amountMedian",
                      "amountMinimum",
                      "amountTotal",
                      "amountTotalNonRegular",
                      "amountTotalRegular",
                      "contractNumbers",
                      "costDevelopment",
                      "costDevelopmentNonRegular",
                      "costDevelopmentRegular",
                      "customerNumbers",
                      "dateFirst",
                      "dateLatest",
                      "daysAge",
                      "status",
                      "transactionIds",
                      "transactionIdsNonRegular",
                      "transactionIdsRegular"
                    ],
                    "type": "object"
                  },
                  "entity": {
                    "properties": {
                      "displayName": {
                        "description": "Display name of the entity",
                        "example": "Kontoumsatz",
                        "type": "string"
                      },
                      "entityClass": {
                        "description": "Class of the entity, such as TRANSACTION or USER",
                        "example": "TRANSACTION",
                        "type": "string"
                      },
                      "id": {
                        "description": "Transaction UUID or USER UUID.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      },
                      "userId": {
                        "description": "UUID of the USER. Same as id field for USER entities.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "entityClass",
                      "id"
                    ],
                    "type": "object"
                  },
                  "id": {
                    "description": "Unique Universal Identifier (UUID)",
                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                    "type": "string"
                  },
                  "relations": {
                    "description": "List of relations",
                    "items": {
                      "properties": {
                        "href": {
                          "description": "Link of the relation",
                          "example": "https://banksapi.io/tags/tag-trees/",
                          "type": "string"
                        },
                        "rel": {
                          "description": "Name of the relation",
                          "example": "tag_trees",
                          "type": "string"
                        }
                      },
                      "required": [
                        "href",
                        "rel"
                      ],
                      "type": "object"
                    },
                    "type": "array"
                  },
                  "tagTreeItemBusinessPartner": {
                    "properties": {
                      "addressCity": {
                        "description": "Address city of the business partner",
                        "example": "München",
                        "type": "string"
                      },
                      "addressCountry": {
                        "description": "Address country of the business partner",
                        "example": "Deutschland",
                        "type": "string"
                      },
                      "addressStreet": {
                        "description": "Address street incl. number of the business partner",
                        "example": "Lyonel-Feininger-Straße 28",
                        "type": "string"
                      },
                      "addressZip": {
                        "description": "Address zip/postal code of the business partner",
                        "example": " 80807",
                        "type": "string"
                      },
                      "categories": {
                        "description": "Categories the business partner belongs to.",
                        "example": [
                          "BANKFINANCE",
                          "BANKFINANCE_INVESTMENT",
                          "BANKFINANCE_OTHER",
                          "SERVICES",
                          "SERVICES_PROFESSIONAL",
                          "SERVICES_ONLINE"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "creditorId": {
                        "description": "creditor id of the business partner",
                        "example": "DEZZZ00000012345",
                        "type": "string"
                      },
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "BANKSapi",
                        "type": "string"
                      },
                      "group": {
                        "description": "Group the business partner belongs to.",
                        "example": "Finconomy AG",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 262,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "BANKSapi Technology GmbH",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      },
                      "telephone": {
                        "description": "Telephone of the business partner",
                        "example": "+49 (0)89 121 408 82",
                        "type": "string"
                      },
                      "website": {
                        "description": "Website of the business partner",
                        "example": "www.banksapi.de",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemCategory": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemInsuranceType": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemPeriod": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                },
                "required": [
                  "entity",
                  "id",
                  "tagTreeItemBusinessPartner",
                  "tagTreeItemCategory",
                  "tagTreeItemPeriod"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "passiveContracts": {
              "description": "Contracts that are already paid off",
              "items": {
                "properties": {
                  "details": {
                    "properties": {
                      "amountFirst": {
                        "description": "First payment among contract payments",
                        "example": "12.34",
                        "type": "number"
                      },
                      "amountLatest": {
                        "description": "Most recent payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMaximum": {
                        "description": "Maximum payment among contract payments",
                        "example": "23.23",
                        "type": "number"
                      },
                      "amountMean": {
                        "description": "Mean payment among contract payments",
                        "example": "21.35",
                        "type": "number"
                      },
                      "amountMedian": {
                        "description": "Median payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMinimum": {
                        "description": "Minimum payment among contract payments",
                        "example": "19.34",
                        "type": "number"
                      },
                      "amountNext": {
                        "description": "Predicted next payment based on contract payments",
                        "example": "22.01",
                        "type": "number"
                      },
                      "amountTotal": {
                        "description": "Total amount of regular and non-regular payments",
                        "example": "2445.23",
                        "type": "number"
                      },
                      "amountTotalNonRegular": {
                        "description": "Total amount of non-regular payments",
                        "example": "100.00",
                        "type": "number"
                      },
                      "amountTotalRegular": {
                        "description": "Total amount of regular payments",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "contractNumbers": {
                        "description": "List of detected contract numbers",
                        "example": [
                          "334112312",
                          "334112313"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "costDevelopment": {
                        "description": "History of regular and non-regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46,
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentNonRegular": {
                        "description": "History of non-regular payments",
                        "example": {
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentRegular": {
                        "description": "History of regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46
                        },
                        "type": "object"
                      },
                      "counterpartyBic": {
                        "description": "BIC of the counterparty",
                        "example": "PBNKDEFF",
                        "type": "string"
                      },
                      "counterpartyIban": {
                        "description": "IBAN of the counterparty",
                        "example": "DE75512108001245126199",
                        "type": "string"
                      },
                      "counterpartyName": {
                        "description": "Name of the counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "counterpartyNameUltimate": {
                        "description": "Name of the ultimate counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "creditAmount": {
                        "description": "Net amount of the loan being paid back with the contract",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "creditAmountGross": {
                        "description": "Total amount of the loan being paid back with the contract including additional costs",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "customName": {
                        "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                        "example": "Allianz",
                        "type": "string"
                      },
                      "customerNumbers": {
                        "description": "List of detected customer numbers",
                        "example": [
                          "K1000452"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "dateEnd": {
                        "description": "Contract end date",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateFirst": {
                        "description": "Date of the first payment",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateLatest": {
                        "description": "Date of the last payment",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateNext": {
                        "description": "Predicted date of the next payment",
                        "example": "2019-05-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateStart": {
                        "description": "Contract start date",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "daysAge": {
                        "description": "Age of the contract in days",
                        "example": "12",
                        "type": "integer"
                      },
                      "growthRate": {
                        "description": "Procentual growth rate per period",
                        "example": "4.34",
                        "type": "number"
                      },
                      "interestRate": {
                        "description": "Effective annual interest rate estimated for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "interestRateNominal": {
                        "description": "Nominal annual interest rate detected for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "numberContract": {
                        "description": "Deprecated. Use field contractNumbers instead.",
                        "example": "0003412312",
                        "type": "string"
                      },
                      "numberCustomer": {
                        "description": "Deprecated. Use field customerNumbers instead.",
                        "example": "123412312",
                        "type": "string"
                      },
                      "standardDeviation": {
                        "description": "Standard deviation of contract payments",
                        "example": "0.23",
                        "type": "number"
                      },
                      "status": {
                        "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                        "example": "NOT_ACTIVE",
                        "type": "string"
                      },
                      "transactionIds": {
                        "description": "List of transaction ids, regular and non-regular payments",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsNonRegular": {
                        "description": "List of transaction ids, non-regular payments only",
                        "example": [
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsRegular": {
                        "description": "List of transaction ids, regular payments only",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      }
                    },
                    "required": [
                      "amountFirst",
                      "amountLatest",
                      "amountMaximum",
                      "amountMean",
                      "amountMedian",
                      "amountMinimum",
                      "amountTotal",
                      "amountTotalNonRegular",
                      "amountTotalRegular",
                      "contractNumbers",
                      "costDevelopment",
                      "costDevelopmentNonRegular",
                      "costDevelopmentRegular",
                      "customerNumbers",
                      "dateFirst",
                      "dateLatest",
                      "daysAge",
                      "status",
                      "transactionIds",
                      "transactionIdsNonRegular",
                      "transactionIdsRegular"
                    ],
                    "type": "object"
                  },
                  "entity": {
                    "properties": {
                      "displayName": {
                        "description": "Display name of the entity",
                        "example": "Kontoumsatz",
                        "type": "string"
                      },
                      "entityClass": {
                        "description": "Class of the entity, such as TRANSACTION or USER",
                        "example": "TRANSACTION",
                        "type": "string"
                      },
                      "id": {
                        "description": "Transaction UUID or USER UUID.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      },
                      "userId": {
                        "description": "UUID of the USER. Same as id field for USER entities.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "entityClass",
                      "id"
                    ],
                    "type": "object"
                  },
                  "id": {
                    "description": "Unique Universal Identifier (UUID)",
                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                    "type": "string"
                  },
                  "relations": {
                    "description": "List of relations",
                    "items": {
                      "properties": {
                        "href": {
                          "description": "Link of the relation",
                          "example": "https://banksapi.io/tags/tag-trees/",
                          "type": "string"
                        },
                        "rel": {
                          "description": "Name of the relation",
                          "example": "tag_trees",
                          "type": "string"
                        }
                      },
                      "required": [
                        "href",
                        "rel"
                      ],
                      "type": "object"
                    },
                    "type": "array"
                  },
                  "tagTreeItemBusinessPartner": {
                    "properties": {
                      "addressCity": {
                        "description": "Address city of the business partner",
                        "example": "München",
                        "type": "string"
                      },
                      "addressCountry": {
                        "description": "Address country of the business partner",
                        "example": "Deutschland",
                        "type": "string"
                      },
                      "addressStreet": {
                        "description": "Address street incl. number of the business partner",
                        "example": "Lyonel-Feininger-Straße 28",
                        "type": "string"
                      },
                      "addressZip": {
                        "description": "Address zip/postal code of the business partner",
                        "example": " 80807",
                        "type": "string"
                      },
                      "categories": {
                        "description": "Categories the business partner belongs to.",
                        "example": [
                          "BANKFINANCE",
                          "BANKFINANCE_INVESTMENT",
                          "BANKFINANCE_OTHER",
                          "SERVICES",
                          "SERVICES_PROFESSIONAL",
                          "SERVICES_ONLINE"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "creditorId": {
                        "description": "creditor id of the business partner",
                        "example": "DEZZZ00000012345",
                        "type": "string"
                      },
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "BANKSapi",
                        "type": "string"
                      },
                      "group": {
                        "description": "Group the business partner belongs to.",
                        "example": "Finconomy AG",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 262,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "BANKSapi Technology GmbH",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      },
                      "telephone": {
                        "description": "Telephone of the business partner",
                        "example": "+49 (0)89 121 408 82",
                        "type": "string"
                      },
                      "website": {
                        "description": "Website of the business partner",
                        "example": "www.banksapi.de",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemCategory": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemInsuranceType": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemPeriod": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                },
                "required": [
                  "entity",
                  "id",
                  "tagTreeItemBusinessPartner",
                  "tagTreeItemCategory",
                  "tagTreeItemPeriod"
                ],
                "type": "object"
              },
              "type": "array"
            }
          },
          "required": [
            "activeContracts",
            "passiveContracts"
          ],
          "type": "object"
        }
      ],
      "description": "Credit contracts with banks or near-banks"
    },
    "leasing": {
      "allOf": [
        {
          "properties": {
            "activeContracts": {
              "description": "Contracts that are still running",
              "items": {
                "properties": {
                  "details": {
                    "properties": {
                      "amountFirst": {
                        "description": "First payment among contract payments",
                        "example": "12.34",
                        "type": "number"
                      },
                      "amountLatest": {
                        "description": "Most recent payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMaximum": {
                        "description": "Maximum payment among contract payments",
                        "example": "23.23",
                        "type": "number"
                      },
                      "amountMean": {
                        "description": "Mean payment among contract payments",
                        "example": "21.35",
                        "type": "number"
                      },
                      "amountMedian": {
                        "description": "Median payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMinimum": {
                        "description": "Minimum payment among contract payments",
                        "example": "19.34",
                        "type": "number"
                      },
                      "amountNext": {
                        "description": "Predicted next payment based on contract payments",
                        "example": "22.01",
                        "type": "number"
                      },
                      "amountTotal": {
                        "description": "Total amount of regular and non-regular payments",
                        "example": "2445.23",
                        "type": "number"
                      },
                      "amountTotalNonRegular": {
                        "description": "Total amount of non-regular payments",
                        "example": "100.00",
                        "type": "number"
                      },
                      "amountTotalRegular": {
                        "description": "Total amount of regular payments",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "contractNumbers": {
                        "description": "List of detected contract numbers",
                        "example": [
                          "334112312",
                          "334112313"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "costDevelopment": {
                        "description": "History of regular and non-regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46,
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentNonRegular": {
                        "description": "History of non-regular payments",
                        "example": {
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentRegular": {
                        "description": "History of regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46
                        },
                        "type": "object"
                      },
                      "counterpartyBic": {
                        "description": "BIC of the counterparty",
                        "example": "PBNKDEFF",
                        "type": "string"
                      },
                      "counterpartyIban": {
                        "description": "IBAN of the counterparty",
                        "example": "DE75512108001245126199",
                        "type": "string"
                      },
                      "counterpartyName": {
                        "description": "Name of the counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "counterpartyNameUltimate": {
                        "description": "Name of the ultimate counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "creditAmount": {
                        "description": "Net amount of the loan being paid back with the contract",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "creditAmountGross": {
                        "description": "Total amount of the loan being paid back with the contract including additional costs",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "customName": {
                        "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                        "example": "Allianz",
                        "type": "string"
                      },
                      "customerNumbers": {
                        "description": "List of detected customer numbers",
                        "example": [
                          "K1000452"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "dateEnd": {
                        "description": "Contract end date",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateFirst": {
                        "description": "Date of the first payment",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateLatest": {
                        "description": "Date of the last payment",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateNext": {
                        "description": "Predicted date of the next payment",
                        "example": "2019-05-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateStart": {
                        "description": "Contract start date",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "daysAge": {
                        "description": "Age of the contract in days",
                        "example": "12",
                        "type": "integer"
                      },
                      "growthRate": {
                        "description": "Procentual growth rate per period",
                        "example": "4.34",
                        "type": "number"
                      },
                      "interestRate": {
                        "description": "Effective annual interest rate estimated for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "interestRateNominal": {
                        "description": "Nominal annual interest rate detected for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "numberContract": {
                        "description": "Deprecated. Use field contractNumbers instead.",
                        "example": "0003412312",
                        "type": "string"
                      },
                      "numberCustomer": {
                        "description": "Deprecated. Use field customerNumbers instead.",
                        "example": "123412312",
                        "type": "string"
                      },
                      "standardDeviation": {
                        "description": "Standard deviation of contract payments",
                        "example": "0.23",
                        "type": "number"
                      },
                      "status": {
                        "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                        "example": "NOT_ACTIVE",
                        "type": "string"
                      },
                      "transactionIds": {
                        "description": "List of transaction ids, regular and non-regular payments",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsNonRegular": {
                        "description": "List of transaction ids, non-regular payments only",
                        "example": [
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsRegular": {
                        "description": "List of transaction ids, regular payments only",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      }
                    },
                    "required": [
                      "amountFirst",
                      "amountLatest",
                      "amountMaximum",
                      "amountMean",
                      "amountMedian",
                      "amountMinimum",
                      "amountTotal",
                      "amountTotalNonRegular",
                      "amountTotalRegular",
                      "contractNumbers",
                      "costDevelopment",
                      "costDevelopmentNonRegular",
                      "costDevelopmentRegular",
                      "customerNumbers",
                      "dateFirst",
                      "dateLatest",
                      "daysAge",
                      "status",
                      "transactionIds",
                      "transactionIdsNonRegular",
                      "transactionIdsRegular"
                    ],
                    "type": "object"
                  },
                  "entity": {
                    "properties": {
                      "displayName": {
                        "description": "Display name of the entity",
                        "example": "Kontoumsatz",
                        "type": "string"
                      },
                      "entityClass": {
                        "description": "Class of the entity, such as TRANSACTION or USER",
                        "example": "TRANSACTION",
                        "type": "string"
                      },
                      "id": {
                        "description": "Transaction UUID or USER UUID.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      },
                      "userId": {
                        "description": "UUID of the USER. Same as id field for USER entities.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "entityClass",
                      "id"
                    ],
                    "type": "object"
                  },
                  "id": {
                    "description": "Unique Universal Identifier (UUID)",
                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                    "type": "string"
                  },
                  "relations": {
                    "description": "List of relations",
                    "items": {
                      "properties": {
                        "href": {
                          "description": "Link of the relation",
                          "example": "https://banksapi.io/tags/tag-trees/",
                          "type": "string"
                        },
                        "rel": {
                          "description": "Name of the relation",
                          "example": "tag_trees",
                          "type": "string"
                        }
                      },
                      "required": [
                        "href",
                        "rel"
                      ],
                      "type": "object"
                    },
                    "type": "array"
                  },
                  "tagTreeItemBusinessPartner": {
                    "properties": {
                      "addressCity": {
                        "description": "Address city of the business partner",
                        "example": "München",
                        "type": "string"
                      },
                      "addressCountry": {
                        "description": "Address country of the business partner",
                        "example": "Deutschland",
                        "type": "string"
                      },
                      "addressStreet": {
                        "description": "Address street incl. number of the business partner",
                        "example": "Lyonel-Feininger-Straße 28",
                        "type": "string"
                      },
                      "addressZip": {
                        "description": "Address zip/postal code of the business partner",
                        "example": " 80807",
                        "type": "string"
                      },
                      "categories": {
                        "description": "Categories the business partner belongs to.",
                        "example": [
                          "BANKFINANCE",
                          "BANKFINANCE_INVESTMENT",
                          "BANKFINANCE_OTHER",
                          "SERVICES",
                          "SERVICES_PROFESSIONAL",
                          "SERVICES_ONLINE"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "creditorId": {
                        "description": "creditor id of the business partner",
                        "example": "DEZZZ00000012345",
                        "type": "string"
                      },
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "BANKSapi",
                        "type": "string"
                      },
                      "group": {
                        "description": "Group the business partner belongs to.",
                        "example": "Finconomy AG",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 262,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "BANKSapi Technology GmbH",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      },
                      "telephone": {
                        "description": "Telephone of the business partner",
                        "example": "+49 (0)89 121 408 82",
                        "type": "string"
                      },
                      "website": {
                        "description": "Website of the business partner",
                        "example": "www.banksapi.de",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemCategory": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemInsuranceType": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemPeriod": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                },
                "required": [
                  "entity",
                  "id",
                  "tagTreeItemBusinessPartner",
                  "tagTreeItemCategory",
                  "tagTreeItemPeriod"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "passiveContracts": {
              "description": "Contracts that are already paid off",
              "items": {
                "properties": {
                  "details": {
                    "properties": {
                      "amountFirst": {
                        "description": "First payment among contract payments",
                        "example": "12.34",
                        "type": "number"
                      },
                      "amountLatest": {
                        "description": "Most recent payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMaximum": {
                        "description": "Maximum payment among contract payments",
                        "example": "23.23",
                        "type": "number"
                      },
                      "amountMean": {
                        "description": "Mean payment among contract payments",
                        "example": "21.35",
                        "type": "number"
                      },
                      "amountMedian": {
                        "description": "Median payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMinimum": {
                        "description": "Minimum payment among contract payments",
                        "example": "19.34",
                        "type": "number"
                      },
                      "amountNext": {
                        "description": "Predicted next payment based on contract payments",
                        "example": "22.01",
                        "type": "number"
                      },
                      "amountTotal": {
                        "description": "Total amount of regular and non-regular payments",
                        "example": "2445.23",
                        "type": "number"
                      },
                      "amountTotalNonRegular": {
                        "description": "Total amount of non-regular payments",
                        "example": "100.00",
                        "type": "number"
                      },
                      "amountTotalRegular": {
                        "description": "Total amount of regular payments",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "contractNumbers": {
                        "description": "List of detected contract numbers",
                        "example": [
                          "334112312",
                          "334112313"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "costDevelopment": {
                        "description": "History of regular and non-regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46,
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentNonRegular": {
                        "description": "History of non-regular payments",
                        "example": {
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentRegular": {
                        "description": "History of regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46
                        },
                        "type": "object"
                      },
                      "counterpartyBic": {
                        "description": "BIC of the counterparty",
                        "example": "PBNKDEFF",
                        "type": "string"
                      },
                      "counterpartyIban": {
                        "description": "IBAN of the counterparty",
                        "example": "DE75512108001245126199",
                        "type": "string"
                      },
                      "counterpartyName": {
                        "description": "Name of the counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "counterpartyNameUltimate": {
                        "description": "Name of the ultimate counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "creditAmount": {
                        "description": "Net amount of the loan being paid back with the contract",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "creditAmountGross": {
                        "description": "Total amount of the loan being paid back with the contract including additional costs",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "customName": {
                        "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                        "example": "Allianz",
                        "type": "string"
                      },
                      "customerNumbers": {
                        "description": "List of detected customer numbers",
                        "example": [
                          "K1000452"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "dateEnd": {
                        "description": "Contract end date",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateFirst": {
                        "description": "Date of the first payment",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateLatest": {
                        "description": "Date of the last payment",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateNext": {
                        "description": "Predicted date of the next payment",
                        "example": "2019-05-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateStart": {
                        "description": "Contract start date",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "daysAge": {
                        "description": "Age of the contract in days",
                        "example": "12",
                        "type": "integer"
                      },
                      "growthRate": {
                        "description": "Procentual growth rate per period",
                        "example": "4.34",
                        "type": "number"
                      },
                      "interestRate": {
                        "description": "Effective annual interest rate estimated for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "interestRateNominal": {
                        "description": "Nominal annual interest rate detected for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "numberContract": {
                        "description": "Deprecated. Use field contractNumbers instead.",
                        "example": "0003412312",
                        "type": "string"
                      },
                      "numberCustomer": {
                        "description": "Deprecated. Use field customerNumbers instead.",
                        "example": "123412312",
                        "type": "string"
                      },
                      "standardDeviation": {
                        "description": "Standard deviation of contract payments",
                        "example": "0.23",
                        "type": "number"
                      },
                      "status": {
                        "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                        "example": "NOT_ACTIVE",
                        "type": "string"
                      },
                      "transactionIds": {
                        "description": "List of transaction ids, regular and non-regular payments",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsNonRegular": {
                        "description": "List of transaction ids, non-regular payments only",
                        "example": [
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsRegular": {
                        "description": "List of transaction ids, regular payments only",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      }
                    },
                    "required": [
                      "amountFirst",
                      "amountLatest",
                      "amountMaximum",
                      "amountMean",
                      "amountMedian",
                      "amountMinimum",
                      "amountTotal",
                      "amountTotalNonRegular",
                      "amountTotalRegular",
                      "contractNumbers",
                      "costDevelopment",
                      "costDevelopmentNonRegular",
                      "costDevelopmentRegular",
                      "customerNumbers",
                      "dateFirst",
                      "dateLatest",
                      "daysAge",
                      "status",
                      "transactionIds",
                      "transactionIdsNonRegular",
                      "transactionIdsRegular"
                    ],
                    "type": "object"
                  },
                  "entity": {
                    "properties": {
                      "displayName": {
                        "description": "Display name of the entity",
                        "example": "Kontoumsatz",
                        "type": "string"
                      },
                      "entityClass": {
                        "description": "Class of the entity, such as TRANSACTION or USER",
                        "example": "TRANSACTION",
                        "type": "string"
                      },
                      "id": {
                        "description": "Transaction UUID or USER UUID.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      },
                      "userId": {
                        "description": "UUID of the USER. Same as id field for USER entities.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "entityClass",
                      "id"
                    ],
                    "type": "object"
                  },
                  "id": {
                    "description": "Unique Universal Identifier (UUID)",
                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                    "type": "string"
                  },
                  "relations": {
                    "description": "List of relations",
                    "items": {
                      "properties": {
                        "href": {
                          "description": "Link of the relation",
                          "example": "https://banksapi.io/tags/tag-trees/",
                          "type": "string"
                        },
                        "rel": {
                          "description": "Name of the relation",
                          "example": "tag_trees",
                          "type": "string"
                        }
                      },
                      "required": [
                        "href",
                        "rel"
                      ],
                      "type": "object"
                    },
                    "type": "array"
                  },
                  "tagTreeItemBusinessPartner": {
                    "properties": {
                      "addressCity": {
                        "description": "Address city of the business partner",
                        "example": "München",
                        "type": "string"
                      },
                      "addressCountry": {
                        "description": "Address country of the business partner",
                        "example": "Deutschland",
                        "type": "string"
                      },
                      "addressStreet": {
                        "description": "Address street incl. number of the business partner",
                        "example": "Lyonel-Feininger-Straße 28",
                        "type": "string"
                      },
                      "addressZip": {
                        "description": "Address zip/postal code of the business partner",
                        "example": " 80807",
                        "type": "string"
                      },
                      "categories": {
                        "description": "Categories the business partner belongs to.",
                        "example": [
                          "BANKFINANCE",
                          "BANKFINANCE_INVESTMENT",
                          "BANKFINANCE_OTHER",
                          "SERVICES",
                          "SERVICES_PROFESSIONAL",
                          "SERVICES_ONLINE"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "creditorId": {
                        "description": "creditor id of the business partner",
                        "example": "DEZZZ00000012345",
                        "type": "string"
                      },
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "BANKSapi",
                        "type": "string"
                      },
                      "group": {
                        "description": "Group the business partner belongs to.",
                        "example": "Finconomy AG",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 262,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "BANKSapi Technology GmbH",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      },
                      "telephone": {
                        "description": "Telephone of the business partner",
                        "example": "+49 (0)89 121 408 82",
                        "type": "string"
                      },
                      "website": {
                        "description": "Website of the business partner",
                        "example": "www.banksapi.de",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemCategory": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemInsuranceType": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemPeriod": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                },
                "required": [
                  "entity",
                  "id",
                  "tagTreeItemBusinessPartner",
                  "tagTreeItemCategory",
                  "tagTreeItemPeriod"
                ],
                "type": "object"
              },
              "type": "array"
            }
          },
          "required": [
            "activeContracts",
            "passiveContracts"
          ],
          "type": "object"
        }
      ],
      "description": "Contract related to the leasing of a car."
    },
    "mortgage": {
      "allOf": [
        {
          "properties": {
            "activeContracts": {
              "description": "Contracts that are still running",
              "items": {
                "properties": {
                  "details": {
                    "properties": {
                      "amountFirst": {
                        "description": "First payment among contract payments",
                        "example": "12.34",
                        "type": "number"
                      },
                      "amountLatest": {
                        "description": "Most recent payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMaximum": {
                        "description": "Maximum payment among contract payments",
                        "example": "23.23",
                        "type": "number"
                      },
                      "amountMean": {
                        "description": "Mean payment among contract payments",
                        "example": "21.35",
                        "type": "number"
                      },
                      "amountMedian": {
                        "description": "Median payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMinimum": {
                        "description": "Minimum payment among contract payments",
                        "example": "19.34",
                        "type": "number"
                      },
                      "amountNext": {
                        "description": "Predicted next payment based on contract payments",
                        "example": "22.01",
                        "type": "number"
                      },
                      "amountTotal": {
                        "description": "Total amount of regular and non-regular payments",
                        "example": "2445.23",
                        "type": "number"
                      },
                      "amountTotalNonRegular": {
                        "description": "Total amount of non-regular payments",
                        "example": "100.00",
                        "type": "number"
                      },
                      "amountTotalRegular": {
                        "description": "Total amount of regular payments",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "contractNumbers": {
                        "description": "List of detected contract numbers",
                        "example": [
                          "334112312",
                          "334112313"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "costDevelopment": {
                        "description": "History of regular and non-regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46,
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentNonRegular": {
                        "description": "History of non-regular payments",
                        "example": {
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentRegular": {
                        "description": "History of regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46
                        },
                        "type": "object"
                      },
                      "counterpartyBic": {
                        "description": "BIC of the counterparty",
                        "example": "PBNKDEFF",
                        "type": "string"
                      },
                      "counterpartyIban": {
                        "description": "IBAN of the counterparty",
                        "example": "DE75512108001245126199",
                        "type": "string"
                      },
                      "counterpartyName": {
                        "description": "Name of the counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "counterpartyNameUltimate": {
                        "description": "Name of the ultimate counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "creditAmount": {
                        "description": "Net amount of the loan being paid back with the contract",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "creditAmountGross": {
                        "description": "Total amount of the loan being paid back with the contract including additional costs",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "customName": {
                        "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                        "example": "Allianz",
                        "type": "string"
                      },
                      "customerNumbers": {
                        "description": "List of detected customer numbers",
                        "example": [
                          "K1000452"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "dateEnd": {
                        "description": "Contract end date",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateFirst": {
                        "description": "Date of the first payment",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateLatest": {
                        "description": "Date of the last payment",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateNext": {
                        "description": "Predicted date of the next payment",
                        "example": "2019-05-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateStart": {
                        "description": "Contract start date",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "daysAge": {
                        "description": "Age of the contract in days",
                        "example": "12",
                        "type": "integer"
                      },
                      "growthRate": {
                        "description": "Procentual growth rate per period",
                        "example": "4.34",
                        "type": "number"
                      },
                      "interestRate": {
                        "description": "Effective annual interest rate estimated for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "interestRateNominal": {
                        "description": "Nominal annual interest rate detected for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "numberContract": {
                        "description": "Deprecated. Use field contractNumbers instead.",
                        "example": "0003412312",
                        "type": "string"
                      },
                      "numberCustomer": {
                        "description": "Deprecated. Use field customerNumbers instead.",
                        "example": "123412312",
                        "type": "string"
                      },
                      "standardDeviation": {
                        "description": "Standard deviation of contract payments",
                        "example": "0.23",
                        "type": "number"
                      },
                      "status": {
                        "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                        "example": "NOT_ACTIVE",
                        "type": "string"
                      },
                      "transactionIds": {
                        "description": "List of transaction ids, regular and non-regular payments",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsNonRegular": {
                        "description": "List of transaction ids, non-regular payments only",
                        "example": [
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsRegular": {
                        "description": "List of transaction ids, regular payments only",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      }
                    },
                    "required": [
                      "amountFirst",
                      "amountLatest",
                      "amountMaximum",
                      "amountMean",
                      "amountMedian",
                      "amountMinimum",
                      "amountTotal",
                      "amountTotalNonRegular",
                      "amountTotalRegular",
                      "contractNumbers",
                      "costDevelopment",
                      "costDevelopmentNonRegular",
                      "costDevelopmentRegular",
                      "customerNumbers",
                      "dateFirst",
                      "dateLatest",
                      "daysAge",
                      "status",
                      "transactionIds",
                      "transactionIdsNonRegular",
                      "transactionIdsRegular"
                    ],
                    "type": "object"
                  },
                  "entity": {
                    "properties": {
                      "displayName": {
                        "description": "Display name of the entity",
                        "example": "Kontoumsatz",
                        "type": "string"
                      },
                      "entityClass": {
                        "description": "Class of the entity, such as TRANSACTION or USER",
                        "example": "TRANSACTION",
                        "type": "string"
                      },
                      "id": {
                        "description": "Transaction UUID or USER UUID.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      },
                      "userId": {
                        "description": "UUID of the USER. Same as id field for USER entities.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "entityClass",
                      "id"
                    ],
                    "type": "object"
                  },
                  "id": {
                    "description": "Unique Universal Identifier (UUID)",
                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                    "type": "string"
                  },
                  "relations": {
                    "description": "List of relations",
                    "items": {
                      "properties": {
                        "href": {
                          "description": "Link of the relation",
                          "example": "https://banksapi.io/tags/tag-trees/",
                          "type": "string"
                        },
                        "rel": {
                          "description": "Name of the relation",
                          "example": "tag_trees",
                          "type": "string"
                        }
                      },
                      "required": [
                        "href",
                        "rel"
                      ],
                      "type": "object"
                    },
                    "type": "array"
                  },
                  "tagTreeItemBusinessPartner": {
                    "properties": {
                      "addressCity": {
                        "description": "Address city of the business partner",
                        "example": "München",
                        "type": "string"
                      },
                      "addressCountry": {
                        "description": "Address country of the business partner",
                        "example": "Deutschland",
                        "type": "string"
                      },
                      "addressStreet": {
                        "description": "Address street incl. number of the business partner",
                        "example": "Lyonel-Feininger-Straße 28",
                        "type": "string"
                      },
                      "addressZip": {
                        "description": "Address zip/postal code of the business partner",
                        "example": " 80807",
                        "type": "string"
                      },
                      "categories": {
                        "description": "Categories the business partner belongs to.",
                        "example": [
                          "BANKFINANCE",
                          "BANKFINANCE_INVESTMENT",
                          "BANKFINANCE_OTHER",
                          "SERVICES",
                          "SERVICES_PROFESSIONAL",
                          "SERVICES_ONLINE"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "creditorId": {
                        "description": "creditor id of the business partner",
                        "example": "DEZZZ00000012345",
                        "type": "string"
                      },
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "BANKSapi",
                        "type": "string"
                      },
                      "group": {
                        "description": "Group the business partner belongs to.",
                        "example": "Finconomy AG",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 262,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "BANKSapi Technology GmbH",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      },
                      "telephone": {
                        "description": "Telephone of the business partner",
                        "example": "+49 (0)89 121 408 82",
                        "type": "string"
                      },
                      "website": {
                        "description": "Website of the business partner",
                        "example": "www.banksapi.de",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemCategory": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemInsuranceType": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemPeriod": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                },
                "required": [
                  "entity",
                  "id",
                  "tagTreeItemBusinessPartner",
                  "tagTreeItemCategory",
                  "tagTreeItemPeriod"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "passiveContracts": {
              "description": "Contracts that are already paid off",
              "items": {
                "properties": {
                  "details": {
                    "properties": {
                      "amountFirst": {
                        "description": "First payment among contract payments",
                        "example": "12.34",
                        "type": "number"
                      },
                      "amountLatest": {
                        "description": "Most recent payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMaximum": {
                        "description": "Maximum payment among contract payments",
                        "example": "23.23",
                        "type": "number"
                      },
                      "amountMean": {
                        "description": "Mean payment among contract payments",
                        "example": "21.35",
                        "type": "number"
                      },
                      "amountMedian": {
                        "description": "Median payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMinimum": {
                        "description": "Minimum payment among contract payments",
                        "example": "19.34",
                        "type": "number"
                      },
                      "amountNext": {
                        "description": "Predicted next payment based on contract payments",
                        "example": "22.01",
                        "type": "number"
                      },
                      "amountTotal": {
                        "description": "Total amount of regular and non-regular payments",
                        "example": "2445.23",
                        "type": "number"
                      },
                      "amountTotalNonRegular": {
                        "description": "Total amount of non-regular payments",
                        "example": "100.00",
                        "type": "number"
                      },
                      "amountTotalRegular": {
                        "description": "Total amount of regular payments",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "contractNumbers": {
                        "description": "List of detected contract numbers",
                        "example": [
                          "334112312",
                          "334112313"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "costDevelopment": {
                        "description": "History of regular and non-regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46,
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentNonRegular": {
                        "description": "History of non-regular payments",
                        "example": {
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentRegular": {
                        "description": "History of regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46
                        },
                        "type": "object"
                      },
                      "counterpartyBic": {
                        "description": "BIC of the counterparty",
                        "example": "PBNKDEFF",
                        "type": "string"
                      },
                      "counterpartyIban": {
                        "description": "IBAN of the counterparty",
                        "example": "DE75512108001245126199",
                        "type": "string"
                      },
                      "counterpartyName": {
                        "description": "Name of the counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "counterpartyNameUltimate": {
                        "description": "Name of the ultimate counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "creditAmount": {
                        "description": "Net amount of the loan being paid back with the contract",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "creditAmountGross": {
                        "description": "Total amount of the loan being paid back with the contract including additional costs",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "customName": {
                        "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                        "example": "Allianz",
                        "type": "string"
                      },
                      "customerNumbers": {
                        "description": "List of detected customer numbers",
                        "example": [
                          "K1000452"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "dateEnd": {
                        "description": "Contract end date",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateFirst": {
                        "description": "Date of the first payment",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateLatest": {
                        "description": "Date of the last payment",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateNext": {
                        "description": "Predicted date of the next payment",
                        "example": "2019-05-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateStart": {
                        "description": "Contract start date",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "daysAge": {
                        "description": "Age of the contract in days",
                        "example": "12",
                        "type": "integer"
                      },
                      "growthRate": {
                        "description": "Procentual growth rate per period",
                        "example": "4.34",
                        "type": "number"
                      },
                      "interestRate": {
                        "description": "Effective annual interest rate estimated for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "interestRateNominal": {
                        "description": "Nominal annual interest rate detected for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "numberContract": {
                        "description": "Deprecated. Use field contractNumbers instead.",
                        "example": "0003412312",
                        "type": "string"
                      },
                      "numberCustomer": {
                        "description": "Deprecated. Use field customerNumbers instead.",
                        "example": "123412312",
                        "type": "string"
                      },
                      "standardDeviation": {
                        "description": "Standard deviation of contract payments",
                        "example": "0.23",
                        "type": "number"
                      },
                      "status": {
                        "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                        "example": "NOT_ACTIVE",
                        "type": "string"
                      },
                      "transactionIds": {
                        "description": "List of transaction ids, regular and non-regular payments",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsNonRegular": {
                        "description": "List of transaction ids, non-regular payments only",
                        "example": [
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsRegular": {
                        "description": "List of transaction ids, regular payments only",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      }
                    },
                    "required": [
                      "amountFirst",
                      "amountLatest",
                      "amountMaximum",
                      "amountMean",
                      "amountMedian",
                      "amountMinimum",
                      "amountTotal",
                      "amountTotalNonRegular",
                      "amountTotalRegular",
                      "contractNumbers",
                      "costDevelopment",
                      "costDevelopmentNonRegular",
                      "costDevelopmentRegular",
                      "customerNumbers",
                      "dateFirst",
                      "dateLatest",
                      "daysAge",
                      "status",
                      "transactionIds",
                      "transactionIdsNonRegular",
                      "transactionIdsRegular"
                    ],
                    "type": "object"
                  },
                  "entity": {
                    "properties": {
                      "displayName": {
                        "description": "Display name of the entity",
                        "example": "Kontoumsatz",
                        "type": "string"
                      },
                      "entityClass": {
                        "description": "Class of the entity, such as TRANSACTION or USER",
                        "example": "TRANSACTION",
                        "type": "string"
                      },
                      "id": {
                        "description": "Transaction UUID or USER UUID.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      },
                      "userId": {
                        "description": "UUID of the USER. Same as id field for USER entities.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "entityClass",
                      "id"
                    ],
                    "type": "object"
                  },
                  "id": {
                    "description": "Unique Universal Identifier (UUID)",
                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                    "type": "string"
                  },
                  "relations": {
                    "description": "List of relations",
                    "items": {
                      "properties": {
                        "href": {
                          "description": "Link of the relation",
                          "example": "https://banksapi.io/tags/tag-trees/",
                          "type": "string"
                        },
                        "rel": {
                          "description": "Name of the relation",
                          "example": "tag_trees",
                          "type": "string"
                        }
                      },
                      "required": [
                        "href",
                        "rel"
                      ],
                      "type": "object"
                    },
                    "type": "array"
                  },
                  "tagTreeItemBusinessPartner": {
                    "properties": {
                      "addressCity": {
                        "description": "Address city of the business partner",
                        "example": "München",
                        "type": "string"
                      },
                      "addressCountry": {
                        "description": "Address country of the business partner",
                        "example": "Deutschland",
                        "type": "string"
                      },
                      "addressStreet": {
                        "description": "Address street incl. number of the business partner",
                        "example": "Lyonel-Feininger-Straße 28",
                        "type": "string"
                      },
                      "addressZip": {
                        "description": "Address zip/postal code of the business partner",
                        "example": " 80807",
                        "type": "string"
                      },
                      "categories": {
                        "description": "Categories the business partner belongs to.",
                        "example": [
                          "BANKFINANCE",
                          "BANKFINANCE_INVESTMENT",
                          "BANKFINANCE_OTHER",
                          "SERVICES",
                          "SERVICES_PROFESSIONAL",
                          "SERVICES_ONLINE"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "creditorId": {
                        "description": "creditor id of the business partner",
                        "example": "DEZZZ00000012345",
                        "type": "string"
                      },
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "BANKSapi",
                        "type": "string"
                      },
                      "group": {
                        "description": "Group the business partner belongs to.",
                        "example": "Finconomy AG",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 262,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "BANKSapi Technology GmbH",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      },
                      "telephone": {
                        "description": "Telephone of the business partner",
                        "example": "+49 (0)89 121 408 82",
                        "type": "string"
                      },
                      "website": {
                        "description": "Website of the business partner",
                        "example": "www.banksapi.de",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemCategory": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemInsuranceType": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemPeriod": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                },
                "required": [
                  "entity",
                  "id",
                  "tagTreeItemBusinessPartner",
                  "tagTreeItemCategory",
                  "tagTreeItemPeriod"
                ],
                "type": "object"
              },
              "type": "array"
            }
          },
          "required": [
            "activeContracts",
            "passiveContracts"
          ],
          "type": "object"
        }
      ],
      "description": "Credit related to the purchase of a house"
    }
  },
  "required": [
    "financialCredit",
    "leasing",
    "mortgage"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
financialCredit	credit_attributes_active_passive_contracts_schema	true	none	Credit contracts with banks or near-banks
leasing	credit_attributes_active_passive_contracts_schema	true	none	Contract related to the leasing of a car.
mortgage	credit_attributes_active_passive_contracts_schema	true	none	Credit related to the purchase of a house

credit_attributes_expenses_schema

{
  "properties": {
    "fixedSpending": {
      "allOf": [
        {
          "properties": {
            "statistics": {
              "allOf": [
                {
                  "properties": {
                    "max": {
                      "description": "Largest sum of payments in a month",
                      "type": "number"
                    },
                    "mean": {
                      "description": "Mean sum of payments per month",
                      "type": "number"
                    },
                    "median": {
                      "description": "Median sum of payments per month",
                      "type": "number"
                    },
                    "min": {
                      "description": "Smallest sum of payments in a month",
                      "type": "number"
                    }
                  },
                  "required": [
                    "max",
                    "mean",
                    "median",
                    "min"
                  ],
                  "type": "object"
                }
              ],
              "description": "A summary of the statistics over the last 6 months as far as available"
            }
          },
          "required": [
            "statistics"
          ],
          "type": "object"
        }
      ],
      "description": "Negative financial flow out of all connected accounts, that can be attributed to contracts"
    },
    "totalSpending": {
      "allOf": [
        {
          "properties": {
            "statistics": {
              "allOf": [
                {
                  "properties": {
                    "max": {
                      "description": "Largest sum of payments in a month",
                      "type": "number"
                    },
                    "mean": {
                      "description": "Mean sum of payments per month",
                      "type": "number"
                    },
                    "median": {
                      "description": "Median sum of payments per month",
                      "type": "number"
                    },
                    "min": {
                      "description": "Smallest sum of payments in a month",
                      "type": "number"
                    }
                  },
                  "required": [
                    "max",
                    "mean",
                    "median",
                    "min"
                  ],
                  "type": "object"
                }
              ],
              "description": "A summary of the statistics over the last 6 months as far as available"
            }
          },
          "required": [
            "statistics"
          ],
          "type": "object"
        }
      ],
      "description": "Total negative financial flow out of all connected accounts, excluding transfers between accounts"
    },
    "variableSpending": {
      "allOf": [
        {
          "properties": {
            "statistics": {
              "allOf": [
                {
                  "properties": {
                    "max": {
                      "description": "Largest sum of payments in a month",
                      "type": "number"
                    },
                    "mean": {
                      "description": "Mean sum of payments per month",
                      "type": "number"
                    },
                    "median": {
                      "description": "Median sum of payments per month",
                      "type": "number"
                    },
                    "min": {
                      "description": "Smallest sum of payments in a month",
                      "type": "number"
                    }
                  },
                  "required": [
                    "max",
                    "mean",
                    "median",
                    "min"
                  ],
                  "type": "object"
                }
              ],
              "description": "A summary of the statistics over the last 6 months as far as available"
            }
          },
          "required": [
            "statistics"
          ],
          "type": "object"
        }
      ],
      "description": "Negative financial flow out of all connected accounts, that can not be attributed to contracts"
    }
  },
  "required": [
    "fixedSpending",
    "totalSpending",
    "variableSpending"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
fixedSpending	credit_attributes_category_summary_schema	true	none	Negative financial flow out of all connected accounts, that can be attributed to contracts
totalSpending	credit_attributes_category_summary_schema	true	none	Total negative financial flow out of all connected accounts, excluding transfers between accounts
variableSpending	credit_attributes_category_summary_schema	true	none	Negative financial flow out of all connected accounts, that can not be attributed to contracts

credit_attributes_flags_schema

{
  "properties": {
    "creditCards": {
      "description": "Number of credit cards the user has",
      "example": 2,
      "type": "integer"
    },
    "debtCollection": {
      "description": "List of payments to debt collection agencies",
      "items": {
        "properties": {
          "amount": {
            "description": "Amount in Euros",
            "example": -5.67,
            "type": "number"
          },
          "id": {
            "description": "ID of the transaction",
            "example": "57624057-11bf-4087-b16a-dc1a7525d3b5",
            "type": "string"
          },
          "postingDatetime": {
            "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM:SS format",
            "example": "2020-01-15 09:00:00",
            "format": "date-time",
            "type": "string"
          },
          "product": {
            "description": "ID of the banking product to which the transaction belongs",
            "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
            "type": "string"
          },
          "provider": {
            "description": "ID of the bank/service provider to which the transaction belongs",
            "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
            "type": "string"
          },
          "tags": {
            "allOf": [
              {
                "properties": {
                  "businessPartner": {
                    "allOf": [
                      {
                        "properties": {
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "The business partner tag assigned to the transaction"
                  },
                  "category": {
                    "allOf": [
                      {
                        "properties": {
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "The categorization tag assigned to the transaction"
                  },
                  "insurance": {
                    "allOf": [
                      {
                        "properties": {
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "The insurance tag assigned to the transaction"
                  }
                },
                "type": "object"
              }
            ],
            "description": "Tags detected for this transaction"
          }
        },
        "required": [
          "amount",
          "postingDatetime",
          "product",
          "provider"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "reminderCharges": {
      "description": "List of reminder charges",
      "items": {
        "properties": {
          "amount": {
            "description": "Amount in Euros",
            "example": -5.67,
            "type": "number"
          },
          "id": {
            "description": "ID of the transaction",
            "example": "57624057-11bf-4087-b16a-dc1a7525d3b5",
            "type": "string"
          },
          "postingDatetime": {
            "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM:SS format",
            "example": "2020-01-15 09:00:00",
            "format": "date-time",
            "type": "string"
          },
          "product": {
            "description": "ID of the banking product to which the transaction belongs",
            "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
            "type": "string"
          },
          "provider": {
            "description": "ID of the bank/service provider to which the transaction belongs",
            "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
            "type": "string"
          },
          "tags": {
            "allOf": [
              {
                "properties": {
                  "businessPartner": {
                    "allOf": [
                      {
                        "properties": {
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "The business partner tag assigned to the transaction"
                  },
                  "category": {
                    "allOf": [
                      {
                        "properties": {
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "The categorization tag assigned to the transaction"
                  },
                  "insurance": {
                    "allOf": [
                      {
                        "properties": {
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "The insurance tag assigned to the transaction"
                  }
                },
                "type": "object"
              }
            ],
            "description": "Tags detected for this transaction"
          }
        },
        "required": [
          "amount",
          "postingDatetime",
          "product",
          "provider"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "returnedDebitNotes": {
      "description": "List of received payments due to a returned debit note (e.g. because of insufficient funds)",
      "items": {
        "properties": {
          "amount": {
            "description": "Amount in Euros",
            "example": -5.67,
            "type": "number"
          },
          "id": {
            "description": "ID of the transaction",
            "example": "57624057-11bf-4087-b16a-dc1a7525d3b5",
            "type": "string"
          },
          "postingDatetime": {
            "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM:SS format",
            "example": "2020-01-15 09:00:00",
            "format": "date-time",
            "type": "string"
          },
          "product": {
            "description": "ID of the banking product to which the transaction belongs",
            "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
            "type": "string"
          },
          "provider": {
            "description": "ID of the bank/service provider to which the transaction belongs",
            "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
            "type": "string"
          },
          "tags": {
            "allOf": [
              {
                "properties": {
                  "businessPartner": {
                    "allOf": [
                      {
                        "properties": {
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "The business partner tag assigned to the transaction"
                  },
                  "category": {
                    "allOf": [
                      {
                        "properties": {
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "The categorization tag assigned to the transaction"
                  },
                  "insurance": {
                    "allOf": [
                      {
                        "properties": {
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "The insurance tag assigned to the transaction"
                  }
                },
                "type": "object"
              }
            ],
            "description": "Tags detected for this transaction"
          }
        },
        "required": [
          "amount",
          "postingDatetime",
          "product",
          "provider"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "riskyPayment": {
      "allOf": [
        {
          "properties": {
            "statistics": {
              "allOf": [
                {
                  "properties": {
                    "max": {
                      "description": "Largest sum of payments in a month",
                      "type": "number"
                    },
                    "mean": {
                      "description": "Mean sum of payments per month",
                      "type": "number"
                    },
                    "median": {
                      "description": "Median sum of payments per month",
                      "type": "number"
                    },
                    "min": {
                      "description": "Smallest sum of payments in a month",
                      "type": "number"
                    }
                  },
                  "required": [
                    "max",
                    "mean",
                    "median",
                    "min"
                  ],
                  "type": "object"
                }
              ],
              "description": "A summary of the statistics over the last 6 months as far as available"
            }
          },
          "required": [
            "statistics"
          ],
          "type": "object"
        }
      ],
      "description": "Aggregated payments to risky activities such as online casinos"
    }
  },
  "required": [
    "creditCards",
    "debtCollection",
    "reminderCharges",
    "returnedDebitNotes",
    "riskyPayment"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
creditCards	integer	true	none	Number of credit cards the user has
debtCollection	[output_transaction_schema]	true	none	List of payments to debt collection agencies
reminderCharges	[output_transaction_schema]	true	none	List of reminder charges
returnedDebitNotes	[output_transaction_schema]	true	none	List of received payments due to a returned debit note (e.g. because of insufficient funds)
riskyPayment	credit_attributes_category_summary_schema	true	none	Aggregated payments to risky activities such as online casinos

credit_attributes_income_schema

{
  "properties": {
    "fixedIncome": {
      "allOf": [
        {
          "properties": {
            "contracts": {
              "description": "A list of all contracts in this category active or ended within the last 6 months",
              "items": {
                "properties": {
                  "details": {
                    "properties": {
                      "amountFirst": {
                        "description": "First payment among contract payments",
                        "example": "12.34",
                        "type": "number"
                      },
                      "amountLatest": {
                        "description": "Most recent payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMaximum": {
                        "description": "Maximum payment among contract payments",
                        "example": "23.23",
                        "type": "number"
                      },
                      "amountMean": {
                        "description": "Mean payment among contract payments",
                        "example": "21.35",
                        "type": "number"
                      },
                      "amountMedian": {
                        "description": "Median payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMinimum": {
                        "description": "Minimum payment among contract payments",
                        "example": "19.34",
                        "type": "number"
                      },
                      "amountNext": {
                        "description": "Predicted next payment based on contract payments",
                        "example": "22.01",
                        "type": "number"
                      },
                      "amountTotal": {
                        "description": "Total amount of regular and non-regular payments",
                        "example": "2445.23",
                        "type": "number"
                      },
                      "amountTotalNonRegular": {
                        "description": "Total amount of non-regular payments",
                        "example": "100.00",
                        "type": "number"
                      },
                      "amountTotalRegular": {
                        "description": "Total amount of regular payments",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "contractNumbers": {
                        "description": "List of detected contract numbers",
                        "example": [
                          "334112312",
                          "334112313"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "costDevelopment": {
                        "description": "History of regular and non-regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46,
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentNonRegular": {
                        "description": "History of non-regular payments",
                        "example": {
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentRegular": {
                        "description": "History of regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46
                        },
                        "type": "object"
                      },
                      "counterpartyBic": {
                        "description": "BIC of the counterparty",
                        "example": "PBNKDEFF",
                        "type": "string"
                      },
                      "counterpartyIban": {
                        "description": "IBAN of the counterparty",
                        "example": "DE75512108001245126199",
                        "type": "string"
                      },
                      "counterpartyName": {
                        "description": "Name of the counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "counterpartyNameUltimate": {
                        "description": "Name of the ultimate counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "creditAmount": {
                        "description": "Net amount of the loan being paid back with the contract",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "creditAmountGross": {
                        "description": "Total amount of the loan being paid back with the contract including additional costs",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "customName": {
                        "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                        "example": "Allianz",
                        "type": "string"
                      },
                      "customerNumbers": {
                        "description": "List of detected customer numbers",
                        "example": [
                          "K1000452"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "dateEnd": {
                        "description": "Contract end date",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateFirst": {
                        "description": "Date of the first payment",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateLatest": {
                        "description": "Date of the last payment",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateNext": {
                        "description": "Predicted date of the next payment",
                        "example": "2019-05-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateStart": {
                        "description": "Contract start date",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "daysAge": {
                        "description": "Age of the contract in days",
                        "example": "12",
                        "type": "integer"
                      },
                      "growthRate": {
                        "description": "Procentual growth rate per period",
                        "example": "4.34",
                        "type": "number"
                      },
                      "interestRate": {
                        "description": "Effective annual interest rate estimated for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "interestRateNominal": {
                        "description": "Nominal annual interest rate detected for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "numberContract": {
                        "description": "Deprecated. Use field contractNumbers instead.",
                        "example": "0003412312",
                        "type": "string"
                      },
                      "numberCustomer": {
                        "description": "Deprecated. Use field customerNumbers instead.",
                        "example": "123412312",
                        "type": "string"
                      },
                      "standardDeviation": {
                        "description": "Standard deviation of contract payments",
                        "example": "0.23",
                        "type": "number"
                      },
                      "status": {
                        "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                        "example": "NOT_ACTIVE",
                        "type": "string"
                      },
                      "transactionIds": {
                        "description": "List of transaction ids, regular and non-regular payments",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsNonRegular": {
                        "description": "List of transaction ids, non-regular payments only",
                        "example": [
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsRegular": {
                        "description": "List of transaction ids, regular payments only",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      }
                    },
                    "required": [
                      "amountFirst",
                      "amountLatest",
                      "amountMaximum",
                      "amountMean",
                      "amountMedian",
                      "amountMinimum",
                      "amountTotal",
                      "amountTotalNonRegular",
                      "amountTotalRegular",
                      "contractNumbers",
                      "costDevelopment",
                      "costDevelopmentNonRegular",
                      "costDevelopmentRegular",
                      "customerNumbers",
                      "dateFirst",
                      "dateLatest",
                      "daysAge",
                      "status",
                      "transactionIds",
                      "transactionIdsNonRegular",
                      "transactionIdsRegular"
                    ],
                    "type": "object"
                  },
                  "entity": {
                    "properties": {
                      "displayName": {
                        "description": "Display name of the entity",
                        "example": "Kontoumsatz",
                        "type": "string"
                      },
                      "entityClass": {
                        "description": "Class of the entity, such as TRANSACTION or USER",
                        "example": "TRANSACTION",
                        "type": "string"
                      },
                      "id": {
                        "description": "Transaction UUID or USER UUID.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      },
                      "userId": {
                        "description": "UUID of the USER. Same as id field for USER entities.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "entityClass",
                      "id"
                    ],
                    "type": "object"
                  },
                  "id": {
                    "description": "Unique Universal Identifier (UUID)",
                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                    "type": "string"
                  },
                  "relations": {
                    "description": "List of relations",
                    "items": {
                      "properties": {
                        "href": {
                          "description": "Link of the relation",
                          "example": "https://banksapi.io/tags/tag-trees/",
                          "type": "string"
                        },
                        "rel": {
                          "description": "Name of the relation",
                          "example": "tag_trees",
                          "type": "string"
                        }
                      },
                      "required": [
                        "href",
                        "rel"
                      ],
                      "type": "object"
                    },
                    "type": "array"
                  },
                  "tagTreeItemBusinessPartner": {
                    "properties": {
                      "addressCity": {
                        "description": "Address city of the business partner",
                        "example": "München",
                        "type": "string"
                      },
                      "addressCountry": {
                        "description": "Address country of the business partner",
                        "example": "Deutschland",
                        "type": "string"
                      },
                      "addressStreet": {
                        "description": "Address street incl. number of the business partner",
                        "example": "Lyonel-Feininger-Straße 28",
                        "type": "string"
                      },
                      "addressZip": {
                        "description": "Address zip/postal code of the business partner",
                        "example": " 80807",
                        "type": "string"
                      },
                      "categories": {
                        "description": "Categories the business partner belongs to.",
                        "example": [
                          "BANKFINANCE",
                          "BANKFINANCE_INVESTMENT",
                          "BANKFINANCE_OTHER",
                          "SERVICES",
                          "SERVICES_PROFESSIONAL",
                          "SERVICES_ONLINE"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "creditorId": {
                        "description": "creditor id of the business partner",
                        "example": "DEZZZ00000012345",
                        "type": "string"
                      },
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "BANKSapi",
                        "type": "string"
                      },
                      "group": {
                        "description": "Group the business partner belongs to.",
                        "example": "Finconomy AG",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 262,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "BANKSapi Technology GmbH",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      },
                      "telephone": {
                        "description": "Telephone of the business partner",
                        "example": "+49 (0)89 121 408 82",
                        "type": "string"
                      },
                      "website": {
                        "description": "Website of the business partner",
                        "example": "www.banksapi.de",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemCategory": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemInsuranceType": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemPeriod": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                },
                "required": [
                  "entity",
                  "id",
                  "tagTreeItemBusinessPartner",
                  "tagTreeItemCategory",
                  "tagTreeItemPeriod"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "statistics": {
              "allOf": [
                {
                  "properties": {
                    "max": {
                      "description": "Largest sum of payments in a month",
                      "type": "number"
                    },
                    "mean": {
                      "description": "Mean sum of payments per month",
                      "type": "number"
                    },
                    "median": {
                      "description": "Median sum of payments per month",
                      "type": "number"
                    },
                    "min": {
                      "description": "Smallest sum of payments in a month",
                      "type": "number"
                    }
                  },
                  "required": [
                    "max",
                    "mean",
                    "median",
                    "min"
                  ],
                  "type": "object"
                }
              ],
              "description": "A summary of the statistics over the last 6 months as far as available"
            }
          },
          "required": [
            "contracts",
            "statistics"
          ],
          "type": "object"
        }
      ],
      "description": "Information related to non-salary recurring income sources such as rental or retirement income"
    },
    "salary": {
      "allOf": [
        {
          "properties": {
            "contracts": {
              "description": "A list of all contracts in this category active or ended within the last 6 months",
              "items": {
                "properties": {
                  "details": {
                    "properties": {
                      "amountFirst": {
                        "description": "First payment among contract payments",
                        "example": "12.34",
                        "type": "number"
                      },
                      "amountLatest": {
                        "description": "Most recent payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMaximum": {
                        "description": "Maximum payment among contract payments",
                        "example": "23.23",
                        "type": "number"
                      },
                      "amountMean": {
                        "description": "Mean payment among contract payments",
                        "example": "21.35",
                        "type": "number"
                      },
                      "amountMedian": {
                        "description": "Median payment among contract payments",
                        "example": "21.01",
                        "type": "number"
                      },
                      "amountMinimum": {
                        "description": "Minimum payment among contract payments",
                        "example": "19.34",
                        "type": "number"
                      },
                      "amountNext": {
                        "description": "Predicted next payment based on contract payments",
                        "example": "22.01",
                        "type": "number"
                      },
                      "amountTotal": {
                        "description": "Total amount of regular and non-regular payments",
                        "example": "2445.23",
                        "type": "number"
                      },
                      "amountTotalNonRegular": {
                        "description": "Total amount of non-regular payments",
                        "example": "100.00",
                        "type": "number"
                      },
                      "amountTotalRegular": {
                        "description": "Total amount of regular payments",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "contractNumbers": {
                        "description": "List of detected contract numbers",
                        "example": [
                          "334112312",
                          "334112313"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "costDevelopment": {
                        "description": "History of regular and non-regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46,
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentNonRegular": {
                        "description": "History of non-regular payments",
                        "example": {
                          "2017-05-01": 500.12
                        },
                        "type": "object"
                      },
                      "costDevelopmentRegular": {
                        "description": "History of regular payments",
                        "example": {
                          "2017-04-03": 103.93,
                          "2017-04-30": 103.46
                        },
                        "type": "object"
                      },
                      "counterpartyBic": {
                        "description": "BIC of the counterparty",
                        "example": "PBNKDEFF",
                        "type": "string"
                      },
                      "counterpartyIban": {
                        "description": "IBAN of the counterparty",
                        "example": "DE75512108001245126199",
                        "type": "string"
                      },
                      "counterpartyName": {
                        "description": "Name of the counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "counterpartyNameUltimate": {
                        "description": "Name of the ultimate counterparty",
                        "example": "Allianz Versicherungen",
                        "type": "string"
                      },
                      "creditAmount": {
                        "description": "Net amount of the loan being paid back with the contract",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "creditAmountGross": {
                        "description": "Total amount of the loan being paid back with the contract including additional costs",
                        "example": "2345.23",
                        "type": "number"
                      },
                      "customName": {
                        "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                        "example": "Allianz",
                        "type": "string"
                      },
                      "customerNumbers": {
                        "description": "List of detected customer numbers",
                        "example": [
                          "K1000452"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "dateEnd": {
                        "description": "Contract end date",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateFirst": {
                        "description": "Date of the first payment",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateLatest": {
                        "description": "Date of the last payment",
                        "example": "2019-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateNext": {
                        "description": "Predicted date of the next payment",
                        "example": "2019-05-03",
                        "format": "date",
                        "type": "string"
                      },
                      "dateStart": {
                        "description": "Contract start date",
                        "example": "2017-04-03",
                        "format": "date",
                        "type": "string"
                      },
                      "daysAge": {
                        "description": "Age of the contract in days",
                        "example": "12",
                        "type": "integer"
                      },
                      "growthRate": {
                        "description": "Procentual growth rate per period",
                        "example": "4.34",
                        "type": "number"
                      },
                      "interestRate": {
                        "description": "Effective annual interest rate estimated for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "interestRateNominal": {
                        "description": "Nominal annual interest rate detected for this contract",
                        "example": "0.04",
                        "type": "number"
                      },
                      "numberContract": {
                        "description": "Deprecated. Use field contractNumbers instead.",
                        "example": "0003412312",
                        "type": "string"
                      },
                      "numberCustomer": {
                        "description": "Deprecated. Use field customerNumbers instead.",
                        "example": "123412312",
                        "type": "string"
                      },
                      "standardDeviation": {
                        "description": "Standard deviation of contract payments",
                        "example": "0.23",
                        "type": "number"
                      },
                      "status": {
                        "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                        "example": "NOT_ACTIVE",
                        "type": "string"
                      },
                      "transactionIds": {
                        "description": "List of transaction ids, regular and non-regular payments",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsNonRegular": {
                        "description": "List of transaction ids, non-regular payments only",
                        "example": [
                          "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "transactionIdsRegular": {
                        "description": "List of transaction ids, regular payments only",
                        "example": [
                          "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      }
                    },
                    "required": [
                      "amountFirst",
                      "amountLatest",
                      "amountMaximum",
                      "amountMean",
                      "amountMedian",
                      "amountMinimum",
                      "amountTotal",
                      "amountTotalNonRegular",
                      "amountTotalRegular",
                      "contractNumbers",
                      "costDevelopment",
                      "costDevelopmentNonRegular",
                      "costDevelopmentRegular",
                      "customerNumbers",
                      "dateFirst",
                      "dateLatest",
                      "daysAge",
                      "status",
                      "transactionIds",
                      "transactionIdsNonRegular",
                      "transactionIdsRegular"
                    ],
                    "type": "object"
                  },
                  "entity": {
                    "properties": {
                      "displayName": {
                        "description": "Display name of the entity",
                        "example": "Kontoumsatz",
                        "type": "string"
                      },
                      "entityClass": {
                        "description": "Class of the entity, such as TRANSACTION or USER",
                        "example": "TRANSACTION",
                        "type": "string"
                      },
                      "id": {
                        "description": "Transaction UUID or USER UUID.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      },
                      "userId": {
                        "description": "UUID of the USER. Same as id field for USER entities.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "entityClass",
                      "id"
                    ],
                    "type": "object"
                  },
                  "id": {
                    "description": "Unique Universal Identifier (UUID)",
                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                    "type": "string"
                  },
                  "relations": {
                    "description": "List of relations",
                    "items": {
                      "properties": {
                        "href": {
                          "description": "Link of the relation",
                          "example": "https://banksapi.io/tags/tag-trees/",
                          "type": "string"
                        },
                        "rel": {
                          "description": "Name of the relation",
                          "example": "tag_trees",
                          "type": "string"
                        }
                      },
                      "required": [
                        "href",
                        "rel"
                      ],
                      "type": "object"
                    },
                    "type": "array"
                  },
                  "tagTreeItemBusinessPartner": {
                    "properties": {
                      "addressCity": {
                        "description": "Address city of the business partner",
                        "example": "München",
                        "type": "string"
                      },
                      "addressCountry": {
                        "description": "Address country of the business partner",
                        "example": "Deutschland",
                        "type": "string"
                      },
                      "addressStreet": {
                        "description": "Address street incl. number of the business partner",
                        "example": "Lyonel-Feininger-Straße 28",
                        "type": "string"
                      },
                      "addressZip": {
                        "description": "Address zip/postal code of the business partner",
                        "example": " 80807",
                        "type": "string"
                      },
                      "categories": {
                        "description": "Categories the business partner belongs to.",
                        "example": [
                          "BANKFINANCE",
                          "BANKFINANCE_INVESTMENT",
                          "BANKFINANCE_OTHER",
                          "SERVICES",
                          "SERVICES_PROFESSIONAL",
                          "SERVICES_ONLINE"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "creditorId": {
                        "description": "creditor id of the business partner",
                        "example": "DEZZZ00000012345",
                        "type": "string"
                      },
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "BANKSapi",
                        "type": "string"
                      },
                      "group": {
                        "description": "Group the business partner belongs to.",
                        "example": "Finconomy AG",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 262,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "BANKSapi Technology GmbH",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      },
                      "telephone": {
                        "description": "Telephone of the business partner",
                        "example": "+49 (0)89 121 408 82",
                        "type": "string"
                      },
                      "website": {
                        "description": "Website of the business partner",
                        "example": "www.banksapi.de",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemCategory": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemInsuranceType": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemPeriod": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                },
                "required": [
                  "entity",
                  "id",
                  "tagTreeItemBusinessPartner",
                  "tagTreeItemCategory",
                  "tagTreeItemPeriod"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "lengthOfEmployment": {
              "description": "Age of oldest continuous salary contract in days",
              "type": "integer"
            },
            "statistics": {
              "allOf": [
                {
                  "properties": {
                    "max": {
                      "description": "Largest sum of payments in a month",
                      "type": "number"
                    },
                    "mean": {
                      "description": "Mean sum of payments per month",
                      "type": "number"
                    },
                    "median": {
                      "description": "Median sum of payments per month",
                      "type": "number"
                    },
                    "min": {
                      "description": "Smallest sum of payments in a month",
                      "type": "number"
                    }
                  },
                  "required": [
                    "max",
                    "mean",
                    "median",
                    "min"
                  ],
                  "type": "object"
                }
              ],
              "description": "A summary of the statistics over the last 6 months as far as available"
            }
          },
          "required": [
            "contracts",
            "lengthOfEmployment",
            "statistics"
          ],
          "type": "object"
        }
      ],
      "description": "Information related to recurring income sources that are associated with a salary contract"
    },
    "totalIncome": {
      "allOf": [
        {
          "properties": {
            "statistics": {
              "allOf": [
                {
                  "properties": {
                    "max": {
                      "description": "Largest sum of payments in a month",
                      "type": "number"
                    },
                    "mean": {
                      "description": "Mean sum of payments per month",
                      "type": "number"
                    },
                    "median": {
                      "description": "Median sum of payments per month",
                      "type": "number"
                    },
                    "min": {
                      "description": "Smallest sum of payments in a month",
                      "type": "number"
                    }
                  },
                  "required": [
                    "max",
                    "mean",
                    "median",
                    "min"
                  ],
                  "type": "object"
                }
              ],
              "description": "A summary of the statistics over the last 6 months as far as available"
            }
          },
          "required": [
            "statistics"
          ],
          "type": "object"
        }
      ],
      "description": "Sum of all positive financial flow, excluding transfers. Includes, salary, fixed income, windfall and non-regular income."
    },
    "variableIncome": {
      "allOf": [
        {
          "properties": {
            "statistics": {
              "allOf": [
                {
                  "properties": {
                    "max": {
                      "description": "Largest sum of payments in a month",
                      "type": "number"
                    },
                    "mean": {
                      "description": "Mean sum of payments per month",
                      "type": "number"
                    },
                    "median": {
                      "description": "Median sum of payments per month",
                      "type": "number"
                    },
                    "min": {
                      "description": "Smallest sum of payments in a month",
                      "type": "number"
                    }
                  },
                  "required": [
                    "max",
                    "mean",
                    "median",
                    "min"
                  ],
                  "type": "object"
                }
              ],
              "description": "A summary of the statistics over the last 6 months as far as available"
            }
          },
          "required": [
            "statistics"
          ],
          "type": "object"
        }
      ],
      "description": "Financial flows that cannot be mapped to salary, fixed income or windfalls"
    },
    "windfalls": {
      "description": "One-time positive financial flows that are at least 3 times more than average total income",
      "items": {
        "properties": {
          "amount": {
            "description": "Amount in Euros",
            "example": -5.67,
            "type": "number"
          },
          "id": {
            "description": "ID of the transaction",
            "example": "57624057-11bf-4087-b16a-dc1a7525d3b5",
            "type": "string"
          },
          "postingDatetime": {
            "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM:SS format",
            "example": "2020-01-15 09:00:00",
            "format": "date-time",
            "type": "string"
          },
          "product": {
            "description": "ID of the banking product to which the transaction belongs",
            "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
            "type": "string"
          },
          "provider": {
            "description": "ID of the bank/service provider to which the transaction belongs",
            "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
            "type": "string"
          },
          "tags": {
            "allOf": [
              {
                "properties": {
                  "businessPartner": {
                    "allOf": [
                      {
                        "properties": {
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "The business partner tag assigned to the transaction"
                  },
                  "category": {
                    "allOf": [
                      {
                        "properties": {
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "The categorization tag assigned to the transaction"
                  },
                  "insurance": {
                    "allOf": [
                      {
                        "properties": {
                          "entity": {
                            "properties": {
                              "displayName": {
                                "description": "Display name of the entity",
                                "example": "Kontoumsatz",
                                "type": "string"
                              },
                              "entityClass": {
                                "description": "Class of the entity, such as TRANSACTION or USER",
                                "example": "TRANSACTION",
                                "type": "string"
                              },
                              "id": {
                                "description": "Transaction UUID or USER UUID.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "userId": {
                                "description": "UUID of the USER. Same as id field for USER entities.",
                                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              }
                            },
                            "required": [
                              "displayName",
                              "entityClass",
                              "id"
                            ],
                            "type": "object"
                          },
                          "id": {
                            "description": "Unique Universal Identifier (UUID)",
                            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "relations": {
                            "description": "List of relations",
                            "items": {
                              "properties": {
                                "href": {
                                  "description": "Link of the relation",
                                  "example": "https://banksapi.io/tags/tag-trees/",
                                  "type": "string"
                                },
                                "rel": {
                                  "description": "Name of the relation",
                                  "example": "tag_trees",
                                  "type": "string"
                                }
                              },
                              "required": [
                                "href",
                                "rel"
                              ],
                              "type": "object"
                            },
                            "type": "array"
                          },
                          "tagTreeItem": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        },
                        "required": [
                          "entity",
                          "id",
                          "tagTreeItem"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "The insurance tag assigned to the transaction"
                  }
                },
                "type": "object"
              }
            ],
            "description": "Tags detected for this transaction"
          }
        },
        "required": [
          "amount",
          "postingDatetime",
          "product",
          "provider"
        ],
        "type": "object"
      },
      "type": "array"
    }
  },
  "required": [
    "fixedIncome",
    "salary",
    "totalIncome",
    "variableIncome",
    "windfalls"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
fixedIncome	credit_attributes_contract_budget_type_schema	true	none	Information related to non-salary recurring income sources such as rental or retirement income
salary	credit_attributes_salary_schema	true	none	Information related to recurring income sources that are associated with a salary contract
totalIncome	credit_attributes_category_summary_schema	true	none	Sum of all positive financial flow, excluding transfers. Includes, salary, fixed income, windfall and non-regular income.
variableIncome	credit_attributes_category_summary_schema	true	none	Financial flows that cannot be mapped to salary, fixed income or windfalls
windfalls	[output_transaction_schema]	true	none	One-time positive financial flows that are at least 3 times more than average total income

credit_attributes_life_stages_schema

{
  "properties": {
    "housing": {
      "allOf": [
        {
          "properties": {
            "details": {
              "properties": {
                "explanation": {
                  "allOf": [
                    {
                      "properties": {
                        "conflictingEvents": {
                          "description": "The life events that caused the stage to be ambiguous. If the absence of events causes the inconsistency, the list will be empty.",
                          "items": {
                            "properties": {
                              "details": {
                                "properties": {
                                  "eventDate": {
                                    "description": "Date of the event",
                                    "example": "2019-05-03",
                                    "format": "date",
                                    "type": "string"
                                  }
                                },
                                "required": [
                                  "eventDate"
                                ],
                                "type": "object"
                              },
                              "entity": {
                                "properties": {
                                  "displayName": {
                                    "description": "Display name of the entity",
                                    "example": "Kontoumsatz",
                                    "type": "string"
                                  },
                                  "entityClass": {
                                    "description": "Class of the entity, such as TRANSACTION or USER",
                                    "example": "TRANSACTION",
                                    "type": "string"
                                  },
                                  "id": {
                                    "description": "Transaction UUID or USER UUID.",
                                    "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                    "type": "string"
                                  },
                                  "userId": {
                                    "description": "UUID of the USER. Same as id field for USER entities.",
                                    "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                    "type": "string"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "entityClass",
                                  "id"
                                ],
                                "type": "object"
                              },
                              "id": {
                                "description": "Unique Universal Identifier (UUID)",
                                "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "relations": {
                                "description": "List of relations",
                                "items": {
                                  "properties": {
                                    "href": {
                                      "description": "Link of the relation",
                                      "example": "https://banksapi.io/tags/tag-trees/",
                                      "type": "string"
                                    },
                                    "rel": {
                                      "description": "Name of the relation",
                                      "example": "tag_trees",
                                      "type": "string"
                                    }
                                  },
                                  "required": [
                                    "href",
                                    "rel"
                                  ],
                                  "type": "object"
                                },
                                "type": "array"
                              },
                              "tagTreeItem": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "domain": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tagTreeItem",
                                            "example": "Expenses from daily grocery purchases",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Groceries",
                                            "type": "string"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree item",
                                            "example": 17,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree item",
                                            "example": "LIVING_GROCERIES",
                                            "type": "string"
                                          },
                                          "systemNameParent": {
                                            "description": "Unique name of the parent of the tagTreeItem",
                                            "example": "LIVING",
                                            "type": "string"
                                          },
                                          "tagTree": {
                                            "allOf": [
                                              {
                                                "properties": {
                                                  "description": {
                                                    "description": "Gives a description of the tag tree",
                                                    "example": "Detailed inusrance categories.",
                                                    "type": "string"
                                                  },
                                                  "displayName": {
                                                    "description": "User-friendly name shown to the end-users",
                                                    "example": "Kategorien",
                                                    "type": "string"
                                                  },
                                                  "isTenantGenerated": {
                                                    "description": "Boolean flag, set TRUE if the tag was manually set",
                                                    "example": true,
                                                    "type": "boolean"
                                                  },
                                                  "systemId": {
                                                    "description": "Unique internal id of the tag tree",
                                                    "example": 1,
                                                    "type": "integer"
                                                  },
                                                  "systemName": {
                                                    "description": "Unique name of the tag tree",
                                                    "example": "CATEGORIES",
                                                    "type": "string"
                                                  },
                                                  "version": {
                                                    "description": "Version of the tag tree",
                                                    "example": 1.5,
                                                    "minimum": 0,
                                                    "type": "number"
                                                  }
                                                },
                                                "required": [
                                                  "displayName",
                                                  "isTenantGenerated",
                                                  "systemId",
                                                  "systemName",
                                                  "version"
                                                ],
                                                "type": "object"
                                              }
                                            ],
                                            "description": "tagTree that the tagTreeItem belongs to"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "systemId",
                                          "systemName",
                                          "tagTree"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "Life domain this tag belongs to"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "domain",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              }
                            },
                            "required": [
                              "details",
                              "entity",
                              "id",
                              "tagTreeItem"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        },
                        "conflictingStages": {
                          "description": "The life stages that caused the stage to be ambiguous",
                          "items": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        },
                        "contractDetails": {
                          "description": "The contracts that caused the detection of a life stage",
                          "items": {
                            "properties": {
                              "amountMean": {
                                "description": "Mean payment among contract payments",
                                "example": "21.35",
                                "type": "number"
                              },
                              "customName": {
                                "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                                "example": "Allianz",
                                "type": "string"
                              },
                              "id": {
                                "description": "Unique Universal Identifier (UUID)",
                                "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "status": {
                                "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                                "example": "NOT_ACTIVE",
                                "type": "string"
                              },
                              "tagTreeItemBusinessPartner": {
                                "properties": {
                                  "addressCity": {
                                    "description": "Address city of the business partner",
                                    "example": "München",
                                    "type": "string"
                                  },
                                  "addressCountry": {
                                    "description": "Address country of the business partner",
                                    "example": "Deutschland",
                                    "type": "string"
                                  },
                                  "addressStreet": {
                                    "description": "Address street incl. number of the business partner",
                                    "example": "Lyonel-Feininger-Straße 28",
                                    "type": "string"
                                  },
                                  "addressZip": {
                                    "description": "Address zip/postal code of the business partner",
                                    "example": " 80807",
                                    "type": "string"
                                  },
                                  "categories": {
                                    "description": "Categories the business partner belongs to.",
                                    "example": [
                                      "BANKFINANCE",
                                      "BANKFINANCE_INVESTMENT",
                                      "BANKFINANCE_OTHER",
                                      "SERVICES",
                                      "SERVICES_PROFESSIONAL",
                                      "SERVICES_ONLINE"
                                    ],
                                    "items": {
                                      "type": "string"
                                    },
                                    "type": "array"
                                  },
                                  "creditorId": {
                                    "description": "creditor id of the business partner",
                                    "example": "DEZZZ00000012345",
                                    "type": "string"
                                  },
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "BANKSapi",
                                    "type": "string"
                                  },
                                  "group": {
                                    "description": "Group the business partner belongs to.",
                                    "example": "Finconomy AG",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 262,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "BANKSapi Technology GmbH",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  },
                                  "telephone": {
                                    "description": "Telephone of the business partner",
                                    "example": "+49 (0)89 121 408 82",
                                    "type": "string"
                                  },
                                  "website": {
                                    "description": "Website of the business partner",
                                    "example": "www.banksapi.de",
                                    "type": "string"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              },
                              "tagTreeItemCategory": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              },
                              "tagTreeItemInsuranceType": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              },
                              "tagTreeItemPeriod": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              }
                            },
                            "required": [
                              "amountMean",
                              "id",
                              "status",
                              "tagTreeItemBusinessPartner",
                              "tagTreeItemCategory",
                              "tagTreeItemPeriod"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        }
                      },
                      "type": "object"
                    }
                  ],
                  "description": "An explanation for how the life stage was detected."
                }
              },
              "type": "object"
            },
            "entity": {
              "properties": {
                "displayName": {
                  "description": "Display name of the entity",
                  "example": "Kontoumsatz",
                  "type": "string"
                },
                "entityClass": {
                  "description": "Class of the entity, such as TRANSACTION or USER",
                  "example": "TRANSACTION",
                  "type": "string"
                },
                "id": {
                  "description": "Transaction UUID or USER UUID.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                },
                "userId": {
                  "description": "UUID of the USER. Same as id field for USER entities.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                }
              },
              "required": [
                "displayName",
                "entityClass",
                "id"
              ],
              "type": "object"
            },
            "id": {
              "description": "Unique Universal Identifier (UUID)",
              "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
              "type": "string"
            },
            "relations": {
              "description": "List of relations",
              "items": {
                "properties": {
                  "href": {
                    "description": "Link of the relation",
                    "example": "https://banksapi.io/tags/tag-trees/",
                    "type": "string"
                  },
                  "rel": {
                    "description": "Name of the relation",
                    "example": "tag_trees",
                    "type": "string"
                  }
                },
                "required": [
                  "href",
                  "rel"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "tagTreeItem": {
              "properties": {
                "description": {
                  "description": "Gives a description of the tagTreeItem",
                  "example": "Expenses from daily grocery purchases",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Groceries",
                  "type": "string"
                },
                "domain": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tagTreeItem",
                          "example": "Expenses from daily grocery purchases",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Groceries",
                          "type": "string"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree item",
                          "example": 17,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree item",
                          "example": "LIVING_GROCERIES",
                          "type": "string"
                        },
                        "systemNameParent": {
                          "description": "Unique name of the parent of the tagTreeItem",
                          "example": "LIVING",
                          "type": "string"
                        },
                        "tagTree": {
                          "allOf": [
                            {
                              "properties": {
                                "description": {
                                  "description": "Gives a description of the tag tree",
                                  "example": "Detailed inusrance categories.",
                                  "type": "string"
                                },
                                "displayName": {
                                  "description": "User-friendly name shown to the end-users",
                                  "example": "Kategorien",
                                  "type": "string"
                                },
                                "isTenantGenerated": {
                                  "description": "Boolean flag, set TRUE if the tag was manually set",
                                  "example": true,
                                  "type": "boolean"
                                },
                                "systemId": {
                                  "description": "Unique internal id of the tag tree",
                                  "example": 1,
                                  "type": "integer"
                                },
                                "systemName": {
                                  "description": "Unique name of the tag tree",
                                  "example": "CATEGORIES",
                                  "type": "string"
                                },
                                "version": {
                                  "description": "Version of the tag tree",
                                  "example": 1.5,
                                  "minimum": 0,
                                  "type": "number"
                                }
                              },
                              "required": [
                                "displayName",
                                "isTenantGenerated",
                                "systemId",
                                "systemName",
                                "version"
                              ],
                              "type": "object"
                            }
                          ],
                          "description": "tagTree that the tagTreeItem belongs to"
                        }
                      },
                      "required": [
                        "displayName",
                        "systemId",
                        "systemName",
                        "tagTree"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "Life domain this tag belongs to"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree item",
                  "example": 17,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree item",
                  "example": "LIVING_GROCERIES",
                  "type": "string"
                },
                "tagTree": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tag tree",
                          "example": "Detailed inusrance categories.",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Kategorien",
                          "type": "string"
                        },
                        "isTenantGenerated": {
                          "description": "Boolean flag, set TRUE if the tag was manually set",
                          "example": true,
                          "type": "boolean"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree",
                          "example": 1,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree",
                          "example": "CATEGORIES",
                          "type": "string"
                        },
                        "version": {
                          "description": "Version of the tag tree",
                          "example": 1.5,
                          "minimum": 0,
                          "type": "number"
                        }
                      },
                      "required": [
                        "displayName",
                        "isTenantGenerated",
                        "systemId",
                        "systemName",
                        "version"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "tagTree that the tagTreeItem belongs to"
                }
              },
              "required": [
                "displayName",
                "domain",
                "systemId",
                "systemName",
                "tagTree"
              ],
              "type": "object"
            }
          },
          "required": [
            "entity",
            "id",
            "tagTreeItem"
          ],
          "type": "object"
        }
      ],
      "description": "Type of housing"
    },
    "labourMarket": {
      "allOf": [
        {
          "properties": {
            "details": {
              "properties": {
                "explanation": {
                  "allOf": [
                    {
                      "properties": {
                        "conflictingEvents": {
                          "description": "The life events that caused the stage to be ambiguous. If the absence of events causes the inconsistency, the list will be empty.",
                          "items": {
                            "properties": {
                              "details": {
                                "properties": {
                                  "eventDate": {
                                    "description": "Date of the event",
                                    "example": "2019-05-03",
                                    "format": "date",
                                    "type": "string"
                                  }
                                },
                                "required": [
                                  "eventDate"
                                ],
                                "type": "object"
                              },
                              "entity": {
                                "properties": {
                                  "displayName": {
                                    "description": "Display name of the entity",
                                    "example": "Kontoumsatz",
                                    "type": "string"
                                  },
                                  "entityClass": {
                                    "description": "Class of the entity, such as TRANSACTION or USER",
                                    "example": "TRANSACTION",
                                    "type": "string"
                                  },
                                  "id": {
                                    "description": "Transaction UUID or USER UUID.",
                                    "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                    "type": "string"
                                  },
                                  "userId": {
                                    "description": "UUID of the USER. Same as id field for USER entities.",
                                    "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                    "type": "string"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "entityClass",
                                  "id"
                                ],
                                "type": "object"
                              },
                              "id": {
                                "description": "Unique Universal Identifier (UUID)",
                                "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "relations": {
                                "description": "List of relations",
                                "items": {
                                  "properties": {
                                    "href": {
                                      "description": "Link of the relation",
                                      "example": "https://banksapi.io/tags/tag-trees/",
                                      "type": "string"
                                    },
                                    "rel": {
                                      "description": "Name of the relation",
                                      "example": "tag_trees",
                                      "type": "string"
                                    }
                                  },
                                  "required": [
                                    "href",
                                    "rel"
                                  ],
                                  "type": "object"
                                },
                                "type": "array"
                              },
                              "tagTreeItem": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "domain": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tagTreeItem",
                                            "example": "Expenses from daily grocery purchases",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Groceries",
                                            "type": "string"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree item",
                                            "example": 17,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree item",
                                            "example": "LIVING_GROCERIES",
                                            "type": "string"
                                          },
                                          "systemNameParent": {
                                            "description": "Unique name of the parent of the tagTreeItem",
                                            "example": "LIVING",
                                            "type": "string"
                                          },
                                          "tagTree": {
                                            "allOf": [
                                              {
                                                "properties": {
                                                  "description": {
                                                    "description": "Gives a description of the tag tree",
                                                    "example": "Detailed inusrance categories.",
                                                    "type": "string"
                                                  },
                                                  "displayName": {
                                                    "description": "User-friendly name shown to the end-users",
                                                    "example": "Kategorien",
                                                    "type": "string"
                                                  },
                                                  "isTenantGenerated": {
                                                    "description": "Boolean flag, set TRUE if the tag was manually set",
                                                    "example": true,
                                                    "type": "boolean"
                                                  },
                                                  "systemId": {
                                                    "description": "Unique internal id of the tag tree",
                                                    "example": 1,
                                                    "type": "integer"
                                                  },
                                                  "systemName": {
                                                    "description": "Unique name of the tag tree",
                                                    "example": "CATEGORIES",
                                                    "type": "string"
                                                  },
                                                  "version": {
                                                    "description": "Version of the tag tree",
                                                    "example": 1.5,
                                                    "minimum": 0,
                                                    "type": "number"
                                                  }
                                                },
                                                "required": [
                                                  "displayName",
                                                  "isTenantGenerated",
                                                  "systemId",
                                                  "systemName",
                                                  "version"
                                                ],
                                                "type": "object"
                                              }
                                            ],
                                            "description": "tagTree that the tagTreeItem belongs to"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "systemId",
                                          "systemName",
                                          "tagTree"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "Life domain this tag belongs to"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "domain",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              }
                            },
                            "required": [
                              "details",
                              "entity",
                              "id",
                              "tagTreeItem"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        },
                        "conflictingStages": {
                          "description": "The life stages that caused the stage to be ambiguous",
                          "items": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        },
                        "contractDetails": {
                          "description": "The contracts that caused the detection of a life stage",
                          "items": {
                            "properties": {
                              "amountMean": {
                                "description": "Mean payment among contract payments",
                                "example": "21.35",
                                "type": "number"
                              },
                              "customName": {
                                "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                                "example": "Allianz",
                                "type": "string"
                              },
                              "id": {
                                "description": "Unique Universal Identifier (UUID)",
                                "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "status": {
                                "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                                "example": "NOT_ACTIVE",
                                "type": "string"
                              },
                              "tagTreeItemBusinessPartner": {
                                "properties": {
                                  "addressCity": {
                                    "description": "Address city of the business partner",
                                    "example": "München",
                                    "type": "string"
                                  },
                                  "addressCountry": {
                                    "description": "Address country of the business partner",
                                    "example": "Deutschland",
                                    "type": "string"
                                  },
                                  "addressStreet": {
                                    "description": "Address street incl. number of the business partner",
                                    "example": "Lyonel-Feininger-Straße 28",
                                    "type": "string"
                                  },
                                  "addressZip": {
                                    "description": "Address zip/postal code of the business partner",
                                    "example": " 80807",
                                    "type": "string"
                                  },
                                  "categories": {
                                    "description": "Categories the business partner belongs to.",
                                    "example": [
                                      "BANKFINANCE",
                                      "BANKFINANCE_INVESTMENT",
                                      "BANKFINANCE_OTHER",
                                      "SERVICES",
                                      "SERVICES_PROFESSIONAL",
                                      "SERVICES_ONLINE"
                                    ],
                                    "items": {
                                      "type": "string"
                                    },
                                    "type": "array"
                                  },
                                  "creditorId": {
                                    "description": "creditor id of the business partner",
                                    "example": "DEZZZ00000012345",
                                    "type": "string"
                                  },
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "BANKSapi",
                                    "type": "string"
                                  },
                                  "group": {
                                    "description": "Group the business partner belongs to.",
                                    "example": "Finconomy AG",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 262,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "BANKSapi Technology GmbH",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  },
                                  "telephone": {
                                    "description": "Telephone of the business partner",
                                    "example": "+49 (0)89 121 408 82",
                                    "type": "string"
                                  },
                                  "website": {
                                    "description": "Website of the business partner",
                                    "example": "www.banksapi.de",
                                    "type": "string"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              },
                              "tagTreeItemCategory": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              },
                              "tagTreeItemInsuranceType": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              },
                              "tagTreeItemPeriod": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              }
                            },
                            "required": [
                              "amountMean",
                              "id",
                              "status",
                              "tagTreeItemBusinessPartner",
                              "tagTreeItemCategory",
                              "tagTreeItemPeriod"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        }
                      },
                      "type": "object"
                    }
                  ],
                  "description": "An explanation for how the life stage was detected."
                }
              },
              "type": "object"
            },
            "entity": {
              "properties": {
                "displayName": {
                  "description": "Display name of the entity",
                  "example": "Kontoumsatz",
                  "type": "string"
                },
                "entityClass": {
                  "description": "Class of the entity, such as TRANSACTION or USER",
                  "example": "TRANSACTION",
                  "type": "string"
                },
                "id": {
                  "description": "Transaction UUID or USER UUID.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                },
                "userId": {
                  "description": "UUID of the USER. Same as id field for USER entities.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                }
              },
              "required": [
                "displayName",
                "entityClass",
                "id"
              ],
              "type": "object"
            },
            "id": {
              "description": "Unique Universal Identifier (UUID)",
              "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
              "type": "string"
            },
            "relations": {
              "description": "List of relations",
              "items": {
                "properties": {
                  "href": {
                    "description": "Link of the relation",
                    "example": "https://banksapi.io/tags/tag-trees/",
                    "type": "string"
                  },
                  "rel": {
                    "description": "Name of the relation",
                    "example": "tag_trees",
                    "type": "string"
                  }
                },
                "required": [
                  "href",
                  "rel"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "tagTreeItem": {
              "properties": {
                "description": {
                  "description": "Gives a description of the tagTreeItem",
                  "example": "Expenses from daily grocery purchases",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Groceries",
                  "type": "string"
                },
                "domain": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tagTreeItem",
                          "example": "Expenses from daily grocery purchases",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Groceries",
                          "type": "string"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree item",
                          "example": 17,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree item",
                          "example": "LIVING_GROCERIES",
                          "type": "string"
                        },
                        "systemNameParent": {
                          "description": "Unique name of the parent of the tagTreeItem",
                          "example": "LIVING",
                          "type": "string"
                        },
                        "tagTree": {
                          "allOf": [
                            {
                              "properties": {
                                "description": {
                                  "description": "Gives a description of the tag tree",
                                  "example": "Detailed inusrance categories.",
                                  "type": "string"
                                },
                                "displayName": {
                                  "description": "User-friendly name shown to the end-users",
                                  "example": "Kategorien",
                                  "type": "string"
                                },
                                "isTenantGenerated": {
                                  "description": "Boolean flag, set TRUE if the tag was manually set",
                                  "example": true,
                                  "type": "boolean"
                                },
                                "systemId": {
                                  "description": "Unique internal id of the tag tree",
                                  "example": 1,
                                  "type": "integer"
                                },
                                "systemName": {
                                  "description": "Unique name of the tag tree",
                                  "example": "CATEGORIES",
                                  "type": "string"
                                },
                                "version": {
                                  "description": "Version of the tag tree",
                                  "example": 1.5,
                                  "minimum": 0,
                                  "type": "number"
                                }
                              },
                              "required": [
                                "displayName",
                                "isTenantGenerated",
                                "systemId",
                                "systemName",
                                "version"
                              ],
                              "type": "object"
                            }
                          ],
                          "description": "tagTree that the tagTreeItem belongs to"
                        }
                      },
                      "required": [
                        "displayName",
                        "systemId",
                        "systemName",
                        "tagTree"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "Life domain this tag belongs to"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree item",
                  "example": 17,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree item",
                  "example": "LIVING_GROCERIES",
                  "type": "string"
                },
                "tagTree": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tag tree",
                          "example": "Detailed inusrance categories.",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Kategorien",
                          "type": "string"
                        },
                        "isTenantGenerated": {
                          "description": "Boolean flag, set TRUE if the tag was manually set",
                          "example": true,
                          "type": "boolean"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree",
                          "example": 1,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree",
                          "example": "CATEGORIES",
                          "type": "string"
                        },
                        "version": {
                          "description": "Version of the tag tree",
                          "example": 1.5,
                          "minimum": 0,
                          "type": "number"
                        }
                      },
                      "required": [
                        "displayName",
                        "isTenantGenerated",
                        "systemId",
                        "systemName",
                        "version"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "tagTree that the tagTreeItem belongs to"
                }
              },
              "required": [
                "displayName",
                "domain",
                "systemId",
                "systemName",
                "tagTree"
              ],
              "type": "object"
            }
          },
          "required": [
            "entity",
            "id",
            "tagTreeItem"
          ],
          "type": "object"
        }
      ],
      "description": "Life stage in the job market"
    },
    "parenthood": {
      "allOf": [
        {
          "properties": {
            "details": {
              "properties": {
                "explanation": {
                  "allOf": [
                    {
                      "properties": {
                        "conflictingEvents": {
                          "description": "The life events that caused the stage to be ambiguous. If the absence of events causes the inconsistency, the list will be empty.",
                          "items": {
                            "properties": {
                              "details": {
                                "properties": {
                                  "eventDate": {
                                    "description": "Date of the event",
                                    "example": "2019-05-03",
                                    "format": "date",
                                    "type": "string"
                                  }
                                },
                                "required": [
                                  "eventDate"
                                ],
                                "type": "object"
                              },
                              "entity": {
                                "properties": {
                                  "displayName": {
                                    "description": "Display name of the entity",
                                    "example": "Kontoumsatz",
                                    "type": "string"
                                  },
                                  "entityClass": {
                                    "description": "Class of the entity, such as TRANSACTION or USER",
                                    "example": "TRANSACTION",
                                    "type": "string"
                                  },
                                  "id": {
                                    "description": "Transaction UUID or USER UUID.",
                                    "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                    "type": "string"
                                  },
                                  "userId": {
                                    "description": "UUID of the USER. Same as id field for USER entities.",
                                    "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                    "type": "string"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "entityClass",
                                  "id"
                                ],
                                "type": "object"
                              },
                              "id": {
                                "description": "Unique Universal Identifier (UUID)",
                                "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "relations": {
                                "description": "List of relations",
                                "items": {
                                  "properties": {
                                    "href": {
                                      "description": "Link of the relation",
                                      "example": "https://banksapi.io/tags/tag-trees/",
                                      "type": "string"
                                    },
                                    "rel": {
                                      "description": "Name of the relation",
                                      "example": "tag_trees",
                                      "type": "string"
                                    }
                                  },
                                  "required": [
                                    "href",
                                    "rel"
                                  ],
                                  "type": "object"
                                },
                                "type": "array"
                              },
                              "tagTreeItem": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "domain": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tagTreeItem",
                                            "example": "Expenses from daily grocery purchases",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Groceries",
                                            "type": "string"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree item",
                                            "example": 17,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree item",
                                            "example": "LIVING_GROCERIES",
                                            "type": "string"
                                          },
                                          "systemNameParent": {
                                            "description": "Unique name of the parent of the tagTreeItem",
                                            "example": "LIVING",
                                            "type": "string"
                                          },
                                          "tagTree": {
                                            "allOf": [
                                              {
                                                "properties": {
                                                  "description": {
                                                    "description": "Gives a description of the tag tree",
                                                    "example": "Detailed inusrance categories.",
                                                    "type": "string"
                                                  },
                                                  "displayName": {
                                                    "description": "User-friendly name shown to the end-users",
                                                    "example": "Kategorien",
                                                    "type": "string"
                                                  },
                                                  "isTenantGenerated": {
                                                    "description": "Boolean flag, set TRUE if the tag was manually set",
                                                    "example": true,
                                                    "type": "boolean"
                                                  },
                                                  "systemId": {
                                                    "description": "Unique internal id of the tag tree",
                                                    "example": 1,
                                                    "type": "integer"
                                                  },
                                                  "systemName": {
                                                    "description": "Unique name of the tag tree",
                                                    "example": "CATEGORIES",
                                                    "type": "string"
                                                  },
                                                  "version": {
                                                    "description": "Version of the tag tree",
                                                    "example": 1.5,
                                                    "minimum": 0,
                                                    "type": "number"
                                                  }
                                                },
                                                "required": [
                                                  "displayName",
                                                  "isTenantGenerated",
                                                  "systemId",
                                                  "systemName",
                                                  "version"
                                                ],
                                                "type": "object"
                                              }
                                            ],
                                            "description": "tagTree that the tagTreeItem belongs to"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "systemId",
                                          "systemName",
                                          "tagTree"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "Life domain this tag belongs to"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "domain",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              }
                            },
                            "required": [
                              "details",
                              "entity",
                              "id",
                              "tagTreeItem"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        },
                        "conflictingStages": {
                          "description": "The life stages that caused the stage to be ambiguous",
                          "items": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        },
                        "contractDetails": {
                          "description": "The contracts that caused the detection of a life stage",
                          "items": {
                            "properties": {
                              "amountMean": {
                                "description": "Mean payment among contract payments",
                                "example": "21.35",
                                "type": "number"
                              },
                              "customName": {
                                "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                                "example": "Allianz",
                                "type": "string"
                              },
                              "id": {
                                "description": "Unique Universal Identifier (UUID)",
                                "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "status": {
                                "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                                "example": "NOT_ACTIVE",
                                "type": "string"
                              },
                              "tagTreeItemBusinessPartner": {
                                "properties": {
                                  "addressCity": {
                                    "description": "Address city of the business partner",
                                    "example": "München",
                                    "type": "string"
                                  },
                                  "addressCountry": {
                                    "description": "Address country of the business partner",
                                    "example": "Deutschland",
                                    "type": "string"
                                  },
                                  "addressStreet": {
                                    "description": "Address street incl. number of the business partner",
                                    "example": "Lyonel-Feininger-Straße 28",
                                    "type": "string"
                                  },
                                  "addressZip": {
                                    "description": "Address zip/postal code of the business partner",
                                    "example": " 80807",
                                    "type": "string"
                                  },
                                  "categories": {
                                    "description": "Categories the business partner belongs to.",
                                    "example": [
                                      "BANKFINANCE",
                                      "BANKFINANCE_INVESTMENT",
                                      "BANKFINANCE_OTHER",
                                      "SERVICES",
                                      "SERVICES_PROFESSIONAL",
                                      "SERVICES_ONLINE"
                                    ],
                                    "items": {
                                      "type": "string"
                                    },
                                    "type": "array"
                                  },
                                  "creditorId": {
                                    "description": "creditor id of the business partner",
                                    "example": "DEZZZ00000012345",
                                    "type": "string"
                                  },
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "BANKSapi",
                                    "type": "string"
                                  },
                                  "group": {
                                    "description": "Group the business partner belongs to.",
                                    "example": "Finconomy AG",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 262,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "BANKSapi Technology GmbH",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  },
                                  "telephone": {
                                    "description": "Telephone of the business partner",
                                    "example": "+49 (0)89 121 408 82",
                                    "type": "string"
                                  },
                                  "website": {
                                    "description": "Website of the business partner",
                                    "example": "www.banksapi.de",
                                    "type": "string"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              },
                              "tagTreeItemCategory": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              },
                              "tagTreeItemInsuranceType": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              },
                              "tagTreeItemPeriod": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              }
                            },
                            "required": [
                              "amountMean",
                              "id",
                              "status",
                              "tagTreeItemBusinessPartner",
                              "tagTreeItemCategory",
                              "tagTreeItemPeriod"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        }
                      },
                      "type": "object"
                    }
                  ],
                  "description": "An explanation for how the life stage was detected."
                }
              },
              "type": "object"
            },
            "entity": {
              "properties": {
                "displayName": {
                  "description": "Display name of the entity",
                  "example": "Kontoumsatz",
                  "type": "string"
                },
                "entityClass": {
                  "description": "Class of the entity, such as TRANSACTION or USER",
                  "example": "TRANSACTION",
                  "type": "string"
                },
                "id": {
                  "description": "Transaction UUID or USER UUID.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                },
                "userId": {
                  "description": "UUID of the USER. Same as id field for USER entities.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                }
              },
              "required": [
                "displayName",
                "entityClass",
                "id"
              ],
              "type": "object"
            },
            "id": {
              "description": "Unique Universal Identifier (UUID)",
              "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
              "type": "string"
            },
            "relations": {
              "description": "List of relations",
              "items": {
                "properties": {
                  "href": {
                    "description": "Link of the relation",
                    "example": "https://banksapi.io/tags/tag-trees/",
                    "type": "string"
                  },
                  "rel": {
                    "description": "Name of the relation",
                    "example": "tag_trees",
                    "type": "string"
                  }
                },
                "required": [
                  "href",
                  "rel"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "tagTreeItem": {
              "properties": {
                "description": {
                  "description": "Gives a description of the tagTreeItem",
                  "example": "Expenses from daily grocery purchases",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Groceries",
                  "type": "string"
                },
                "domain": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tagTreeItem",
                          "example": "Expenses from daily grocery purchases",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Groceries",
                          "type": "string"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree item",
                          "example": 17,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree item",
                          "example": "LIVING_GROCERIES",
                          "type": "string"
                        },
                        "systemNameParent": {
                          "description": "Unique name of the parent of the tagTreeItem",
                          "example": "LIVING",
                          "type": "string"
                        },
                        "tagTree": {
                          "allOf": [
                            {
                              "properties": {
                                "description": {
                                  "description": "Gives a description of the tag tree",
                                  "example": "Detailed inusrance categories.",
                                  "type": "string"
                                },
                                "displayName": {
                                  "description": "User-friendly name shown to the end-users",
                                  "example": "Kategorien",
                                  "type": "string"
                                },
                                "isTenantGenerated": {
                                  "description": "Boolean flag, set TRUE if the tag was manually set",
                                  "example": true,
                                  "type": "boolean"
                                },
                                "systemId": {
                                  "description": "Unique internal id of the tag tree",
                                  "example": 1,
                                  "type": "integer"
                                },
                                "systemName": {
                                  "description": "Unique name of the tag tree",
                                  "example": "CATEGORIES",
                                  "type": "string"
                                },
                                "version": {
                                  "description": "Version of the tag tree",
                                  "example": 1.5,
                                  "minimum": 0,
                                  "type": "number"
                                }
                              },
                              "required": [
                                "displayName",
                                "isTenantGenerated",
                                "systemId",
                                "systemName",
                                "version"
                              ],
                              "type": "object"
                            }
                          ],
                          "description": "tagTree that the tagTreeItem belongs to"
                        }
                      },
                      "required": [
                        "displayName",
                        "systemId",
                        "systemName",
                        "tagTree"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "Life domain this tag belongs to"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree item",
                  "example": 17,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree item",
                  "example": "LIVING_GROCERIES",
                  "type": "string"
                },
                "tagTree": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tag tree",
                          "example": "Detailed inusrance categories.",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Kategorien",
                          "type": "string"
                        },
                        "isTenantGenerated": {
                          "description": "Boolean flag, set TRUE if the tag was manually set",
                          "example": true,
                          "type": "boolean"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree",
                          "example": 1,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree",
                          "example": "CATEGORIES",
                          "type": "string"
                        },
                        "version": {
                          "description": "Version of the tag tree",
                          "example": 1.5,
                          "minimum": 0,
                          "type": "number"
                        }
                      },
                      "required": [
                        "displayName",
                        "isTenantGenerated",
                        "systemId",
                        "systemName",
                        "version"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "tagTree that the tagTreeItem belongs to"
                }
              },
              "required": [
                "displayName",
                "domain",
                "systemId",
                "systemName",
                "tagTree"
              ],
              "type": "object"
            }
          },
          "required": [
            "entity",
            "id",
            "tagTreeItem"
          ],
          "type": "object"
        }
      ],
      "description": "Whether the user has non-adult children"
    },
    "relationship": {
      "allOf": [
        {
          "properties": {
            "details": {
              "properties": {
                "explanation": {
                  "allOf": [
                    {
                      "properties": {
                        "conflictingEvents": {
                          "description": "The life events that caused the stage to be ambiguous. If the absence of events causes the inconsistency, the list will be empty.",
                          "items": {
                            "properties": {
                              "details": {
                                "properties": {
                                  "eventDate": {
                                    "description": "Date of the event",
                                    "example": "2019-05-03",
                                    "format": "date",
                                    "type": "string"
                                  }
                                },
                                "required": [
                                  "eventDate"
                                ],
                                "type": "object"
                              },
                              "entity": {
                                "properties": {
                                  "displayName": {
                                    "description": "Display name of the entity",
                                    "example": "Kontoumsatz",
                                    "type": "string"
                                  },
                                  "entityClass": {
                                    "description": "Class of the entity, such as TRANSACTION or USER",
                                    "example": "TRANSACTION",
                                    "type": "string"
                                  },
                                  "id": {
                                    "description": "Transaction UUID or USER UUID.",
                                    "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                    "type": "string"
                                  },
                                  "userId": {
                                    "description": "UUID of the USER. Same as id field for USER entities.",
                                    "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                                    "type": "string"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "entityClass",
                                  "id"
                                ],
                                "type": "object"
                              },
                              "id": {
                                "description": "Unique Universal Identifier (UUID)",
                                "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "relations": {
                                "description": "List of relations",
                                "items": {
                                  "properties": {
                                    "href": {
                                      "description": "Link of the relation",
                                      "example": "https://banksapi.io/tags/tag-trees/",
                                      "type": "string"
                                    },
                                    "rel": {
                                      "description": "Name of the relation",
                                      "example": "tag_trees",
                                      "type": "string"
                                    }
                                  },
                                  "required": [
                                    "href",
                                    "rel"
                                  ],
                                  "type": "object"
                                },
                                "type": "array"
                              },
                              "tagTreeItem": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "domain": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tagTreeItem",
                                            "example": "Expenses from daily grocery purchases",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Groceries",
                                            "type": "string"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree item",
                                            "example": 17,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree item",
                                            "example": "LIVING_GROCERIES",
                                            "type": "string"
                                          },
                                          "systemNameParent": {
                                            "description": "Unique name of the parent of the tagTreeItem",
                                            "example": "LIVING",
                                            "type": "string"
                                          },
                                          "tagTree": {
                                            "allOf": [
                                              {
                                                "properties": {
                                                  "description": {
                                                    "description": "Gives a description of the tag tree",
                                                    "example": "Detailed inusrance categories.",
                                                    "type": "string"
                                                  },
                                                  "displayName": {
                                                    "description": "User-friendly name shown to the end-users",
                                                    "example": "Kategorien",
                                                    "type": "string"
                                                  },
                                                  "isTenantGenerated": {
                                                    "description": "Boolean flag, set TRUE if the tag was manually set",
                                                    "example": true,
                                                    "type": "boolean"
                                                  },
                                                  "systemId": {
                                                    "description": "Unique internal id of the tag tree",
                                                    "example": 1,
                                                    "type": "integer"
                                                  },
                                                  "systemName": {
                                                    "description": "Unique name of the tag tree",
                                                    "example": "CATEGORIES",
                                                    "type": "string"
                                                  },
                                                  "version": {
                                                    "description": "Version of the tag tree",
                                                    "example": 1.5,
                                                    "minimum": 0,
                                                    "type": "number"
                                                  }
                                                },
                                                "required": [
                                                  "displayName",
                                                  "isTenantGenerated",
                                                  "systemId",
                                                  "systemName",
                                                  "version"
                                                ],
                                                "type": "object"
                                              }
                                            ],
                                            "description": "tagTree that the tagTreeItem belongs to"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "systemId",
                                          "systemName",
                                          "tagTree"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "Life domain this tag belongs to"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "domain",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              }
                            },
                            "required": [
                              "details",
                              "entity",
                              "id",
                              "tagTreeItem"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        },
                        "conflictingStages": {
                          "description": "The life stages that caused the stage to be ambiguous",
                          "items": {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        },
                        "contractDetails": {
                          "description": "The contracts that caused the detection of a life stage",
                          "items": {
                            "properties": {
                              "amountMean": {
                                "description": "Mean payment among contract payments",
                                "example": "21.35",
                                "type": "number"
                              },
                              "customName": {
                                "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                                "example": "Allianz",
                                "type": "string"
                              },
                              "id": {
                                "description": "Unique Universal Identifier (UUID)",
                                "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                                "type": "string"
                              },
                              "status": {
                                "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                                "example": "NOT_ACTIVE",
                                "type": "string"
                              },
                              "tagTreeItemBusinessPartner": {
                                "properties": {
                                  "addressCity": {
                                    "description": "Address city of the business partner",
                                    "example": "München",
                                    "type": "string"
                                  },
                                  "addressCountry": {
                                    "description": "Address country of the business partner",
                                    "example": "Deutschland",
                                    "type": "string"
                                  },
                                  "addressStreet": {
                                    "description": "Address street incl. number of the business partner",
                                    "example": "Lyonel-Feininger-Straße 28",
                                    "type": "string"
                                  },
                                  "addressZip": {
                                    "description": "Address zip/postal code of the business partner",
                                    "example": " 80807",
                                    "type": "string"
                                  },
                                  "categories": {
                                    "description": "Categories the business partner belongs to.",
                                    "example": [
                                      "BANKFINANCE",
                                      "BANKFINANCE_INVESTMENT",
                                      "BANKFINANCE_OTHER",
                                      "SERVICES",
                                      "SERVICES_PROFESSIONAL",
                                      "SERVICES_ONLINE"
                                    ],
                                    "items": {
                                      "type": "string"
                                    },
                                    "type": "array"
                                  },
                                  "creditorId": {
                                    "description": "creditor id of the business partner",
                                    "example": "DEZZZ00000012345",
                                    "type": "string"
                                  },
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "BANKSapi",
                                    "type": "string"
                                  },
                                  "group": {
                                    "description": "Group the business partner belongs to.",
                                    "example": "Finconomy AG",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 262,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "BANKSapi Technology GmbH",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  },
                                  "telephone": {
                                    "description": "Telephone of the business partner",
                                    "example": "+49 (0)89 121 408 82",
                                    "type": "string"
                                  },
                                  "website": {
                                    "description": "Website of the business partner",
                                    "example": "www.banksapi.de",
                                    "type": "string"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              },
                              "tagTreeItemCategory": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              },
                              "tagTreeItemInsuranceType": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              },
                              "tagTreeItemPeriod": {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              }
                            },
                            "required": [
                              "amountMean",
                              "id",
                              "status",
                              "tagTreeItemBusinessPartner",
                              "tagTreeItemCategory",
                              "tagTreeItemPeriod"
                            ],
                            "type": "object"
                          },
                          "type": "array"
                        }
                      },
                      "type": "object"
                    }
                  ],
                  "description": "An explanation for how the life stage was detected."
                }
              },
              "type": "object"
            },
            "entity": {
              "properties": {
                "displayName": {
                  "description": "Display name of the entity",
                  "example": "Kontoumsatz",
                  "type": "string"
                },
                "entityClass": {
                  "description": "Class of the entity, such as TRANSACTION or USER",
                  "example": "TRANSACTION",
                  "type": "string"
                },
                "id": {
                  "description": "Transaction UUID or USER UUID.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                },
                "userId": {
                  "description": "UUID of the USER. Same as id field for USER entities.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                }
              },
              "required": [
                "displayName",
                "entityClass",
                "id"
              ],
              "type": "object"
            },
            "id": {
              "description": "Unique Universal Identifier (UUID)",
              "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
              "type": "string"
            },
            "relations": {
              "description": "List of relations",
              "items": {
                "properties": {
                  "href": {
                    "description": "Link of the relation",
                    "example": "https://banksapi.io/tags/tag-trees/",
                    "type": "string"
                  },
                  "rel": {
                    "description": "Name of the relation",
                    "example": "tag_trees",
                    "type": "string"
                  }
                },
                "required": [
                  "href",
                  "rel"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "tagTreeItem": {
              "properties": {
                "description": {
                  "description": "Gives a description of the tagTreeItem",
                  "example": "Expenses from daily grocery purchases",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Groceries",
                  "type": "string"
                },
                "domain": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tagTreeItem",
                          "example": "Expenses from daily grocery purchases",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Groceries",
                          "type": "string"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree item",
                          "example": 17,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree item",
                          "example": "LIVING_GROCERIES",
                          "type": "string"
                        },
                        "systemNameParent": {
                          "description": "Unique name of the parent of the tagTreeItem",
                          "example": "LIVING",
                          "type": "string"
                        },
                        "tagTree": {
                          "allOf": [
                            {
                              "properties": {
                                "description": {
                                  "description": "Gives a description of the tag tree",
                                  "example": "Detailed inusrance categories.",
                                  "type": "string"
                                },
                                "displayName": {
                                  "description": "User-friendly name shown to the end-users",
                                  "example": "Kategorien",
                                  "type": "string"
                                },
                                "isTenantGenerated": {
                                  "description": "Boolean flag, set TRUE if the tag was manually set",
                                  "example": true,
                                  "type": "boolean"
                                },
                                "systemId": {
                                  "description": "Unique internal id of the tag tree",
                                  "example": 1,
                                  "type": "integer"
                                },
                                "systemName": {
                                  "description": "Unique name of the tag tree",
                                  "example": "CATEGORIES",
                                  "type": "string"
                                },
                                "version": {
                                  "description": "Version of the tag tree",
                                  "example": 1.5,
                                  "minimum": 0,
                                  "type": "number"
                                }
                              },
                              "required": [
                                "displayName",
                                "isTenantGenerated",
                                "systemId",
                                "systemName",
                                "version"
                              ],
                              "type": "object"
                            }
                          ],
                          "description": "tagTree that the tagTreeItem belongs to"
                        }
                      },
                      "required": [
                        "displayName",
                        "systemId",
                        "systemName",
                        "tagTree"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "Life domain this tag belongs to"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree item",
                  "example": 17,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree item",
                  "example": "LIVING_GROCERIES",
                  "type": "string"
                },
                "tagTree": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tag tree",
                          "example": "Detailed inusrance categories.",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Kategorien",
                          "type": "string"
                        },
                        "isTenantGenerated": {
                          "description": "Boolean flag, set TRUE if the tag was manually set",
                          "example": true,
                          "type": "boolean"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree",
                          "example": 1,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree",
                          "example": "CATEGORIES",
                          "type": "string"
                        },
                        "version": {
                          "description": "Version of the tag tree",
                          "example": 1.5,
                          "minimum": 0,
                          "type": "number"
                        }
                      },
                      "required": [
                        "displayName",
                        "isTenantGenerated",
                        "systemId",
                        "systemName",
                        "version"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "tagTree that the tagTreeItem belongs to"
                }
              },
              "required": [
                "displayName",
                "domain",
                "systemId",
                "systemName",
                "tagTree"
              ],
              "type": "object"
            }
          },
          "required": [
            "entity",
            "id",
            "tagTreeItem"
          ],
          "type": "object"
        }
      ],
      "description": "Relationship status"
    }
  },
  "required": [
    "housing",
    "labourMarket",
    "parenthood",
    "relationship"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
housing	life_stage_tag_instance_schema	true	none	Type of housing
labourMarket	life_stage_tag_instance_schema	true	none	Life stage in the job market
parenthood	life_stage_tag_instance_schema	true	none	Whether the user has non-adult children
relationship	life_stage_tag_instance_schema	true	none	Relationship status

credit_attributes_net_schema

{
  "properties": {
    "positiveCashflowRatio": {
      "description": "Ratio of months where there was a positive net cash-flow in last 6 months",
      "type": "number"
    },
    "statistics": {
      "allOf": [
        {
          "properties": {
            "max": {
              "description": "Largest sum of payments in a month",
              "type": "number"
            },
            "mean": {
              "description": "Mean sum of payments per month",
              "type": "number"
            },
            "median": {
              "description": "Median sum of payments per month",
              "type": "number"
            },
            "min": {
              "description": "Smallest sum of payments in a month",
              "type": "number"
            }
          },
          "required": [
            "max",
            "mean",
            "median",
            "min"
          ],
          "type": "object"
        }
      ],
      "description": "A summary of the statistics over the last 6 months as far as available"
    }
  },
  "required": [
    "positiveCashflowRatio",
    "statistics"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
positiveCashflowRatio	number	true	none	Ratio of months where there was a positive net cash-flow in last 6 months
statistics	credit_attributes_statistics_schema	true	none	A summary of the statistics over the last 6 months as far as available

credit_attributes_salary_schema

{
  "properties": {
    "contracts": {
      "description": "A list of all contracts in this category active or ended within the last 6 months",
      "items": {
        "properties": {
          "details": {
            "properties": {
              "amountFirst": {
                "description": "First payment among contract payments",
                "example": "12.34",
                "type": "number"
              },
              "amountLatest": {
                "description": "Most recent payment among contract payments",
                "example": "21.01",
                "type": "number"
              },
              "amountMaximum": {
                "description": "Maximum payment among contract payments",
                "example": "23.23",
                "type": "number"
              },
              "amountMean": {
                "description": "Mean payment among contract payments",
                "example": "21.35",
                "type": "number"
              },
              "amountMedian": {
                "description": "Median payment among contract payments",
                "example": "21.01",
                "type": "number"
              },
              "amountMinimum": {
                "description": "Minimum payment among contract payments",
                "example": "19.34",
                "type": "number"
              },
              "amountNext": {
                "description": "Predicted next payment based on contract payments",
                "example": "22.01",
                "type": "number"
              },
              "amountTotal": {
                "description": "Total amount of regular and non-regular payments",
                "example": "2445.23",
                "type": "number"
              },
              "amountTotalNonRegular": {
                "description": "Total amount of non-regular payments",
                "example": "100.00",
                "type": "number"
              },
              "amountTotalRegular": {
                "description": "Total amount of regular payments",
                "example": "2345.23",
                "type": "number"
              },
              "contractNumbers": {
                "description": "List of detected contract numbers",
                "example": [
                  "334112312",
                  "334112313"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "costDevelopment": {
                "description": "History of regular and non-regular payments",
                "example": {
                  "2017-04-03": 103.93,
                  "2017-04-30": 103.46,
                  "2017-05-01": 500.12
                },
                "type": "object"
              },
              "costDevelopmentNonRegular": {
                "description": "History of non-regular payments",
                "example": {
                  "2017-05-01": 500.12
                },
                "type": "object"
              },
              "costDevelopmentRegular": {
                "description": "History of regular payments",
                "example": {
                  "2017-04-03": 103.93,
                  "2017-04-30": 103.46
                },
                "type": "object"
              },
              "counterpartyBic": {
                "description": "BIC of the counterparty",
                "example": "PBNKDEFF",
                "type": "string"
              },
              "counterpartyIban": {
                "description": "IBAN of the counterparty",
                "example": "DE75512108001245126199",
                "type": "string"
              },
              "counterpartyName": {
                "description": "Name of the counterparty",
                "example": "Allianz Versicherungen",
                "type": "string"
              },
              "counterpartyNameUltimate": {
                "description": "Name of the ultimate counterparty",
                "example": "Allianz Versicherungen",
                "type": "string"
              },
              "creditAmount": {
                "description": "Net amount of the loan being paid back with the contract",
                "example": "2345.23",
                "type": "number"
              },
              "creditAmountGross": {
                "description": "Total amount of the loan being paid back with the contract including additional costs",
                "example": "2345.23",
                "type": "number"
              },
              "customName": {
                "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                "example": "Allianz",
                "type": "string"
              },
              "customerNumbers": {
                "description": "List of detected customer numbers",
                "example": [
                  "K1000452"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "dateEnd": {
                "description": "Contract end date",
                "example": "2019-04-03",
                "format": "date",
                "type": "string"
              },
              "dateFirst": {
                "description": "Date of the first payment",
                "example": "2017-04-03",
                "format": "date",
                "type": "string"
              },
              "dateLatest": {
                "description": "Date of the last payment",
                "example": "2019-04-03",
                "format": "date",
                "type": "string"
              },
              "dateNext": {
                "description": "Predicted date of the next payment",
                "example": "2019-05-03",
                "format": "date",
                "type": "string"
              },
              "dateStart": {
                "description": "Contract start date",
                "example": "2017-04-03",
                "format": "date",
                "type": "string"
              },
              "daysAge": {
                "description": "Age of the contract in days",
                "example": "12",
                "type": "integer"
              },
              "growthRate": {
                "description": "Procentual growth rate per period",
                "example": "4.34",
                "type": "number"
              },
              "interestRate": {
                "description": "Effective annual interest rate estimated for this contract",
                "example": "0.04",
                "type": "number"
              },
              "interestRateNominal": {
                "description": "Nominal annual interest rate detected for this contract",
                "example": "0.04",
                "type": "number"
              },
              "numberContract": {
                "description": "Deprecated. Use field contractNumbers instead.",
                "example": "0003412312",
                "type": "string"
              },
              "numberCustomer": {
                "description": "Deprecated. Use field customerNumbers instead.",
                "example": "123412312",
                "type": "string"
              },
              "standardDeviation": {
                "description": "Standard deviation of contract payments",
                "example": "0.23",
                "type": "number"
              },
              "status": {
                "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                "example": "NOT_ACTIVE",
                "type": "string"
              },
              "transactionIds": {
                "description": "List of transaction ids, regular and non-regular payments",
                "example": [
                  "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "123ab456-a1b2-98o1-4321-5mn3b2v103bl",
                  "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "transactionIdsNonRegular": {
                "description": "List of transaction ids, non-regular payments only",
                "example": [
                  "108d1dff-d920-4b40-9e78-4bd352f6e1f4"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "transactionIdsRegular": {
                "description": "List of transaction ids, regular payments only",
                "example": [
                  "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "123ab456-a1b2-98o1-4321-5mn3b2v103bl"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              }
            },
            "required": [
              "amountFirst",
              "amountLatest",
              "amountMaximum",
              "amountMean",
              "amountMedian",
              "amountMinimum",
              "amountTotal",
              "amountTotalNonRegular",
              "amountTotalRegular",
              "contractNumbers",
              "costDevelopment",
              "costDevelopmentNonRegular",
              "costDevelopmentRegular",
              "customerNumbers",
              "dateFirst",
              "dateLatest",
              "daysAge",
              "status",
              "transactionIds",
              "transactionIdsNonRegular",
              "transactionIdsRegular"
            ],
            "type": "object"
          },
          "entity": {
            "properties": {
              "displayName": {
                "description": "Display name of the entity",
                "example": "Kontoumsatz",
                "type": "string"
              },
              "entityClass": {
                "description": "Class of the entity, such as TRANSACTION or USER",
                "example": "TRANSACTION",
                "type": "string"
              },
              "id": {
                "description": "Transaction UUID or USER UUID.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              },
              "userId": {
                "description": "UUID of the USER. Same as id field for USER entities.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "entityClass",
              "id"
            ],
            "type": "object"
          },
          "id": {
            "description": "Unique Universal Identifier (UUID)",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "relations": {
            "description": "List of relations",
            "items": {
              "properties": {
                "href": {
                  "description": "Link of the relation",
                  "example": "https://banksapi.io/tags/tag-trees/",
                  "type": "string"
                },
                "rel": {
                  "description": "Name of the relation",
                  "example": "tag_trees",
                  "type": "string"
                }
              },
              "required": [
                "href",
                "rel"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "tagTreeItemBusinessPartner": {
            "properties": {
              "addressCity": {
                "description": "Address city of the business partner",
                "example": "München",
                "type": "string"
              },
              "addressCountry": {
                "description": "Address country of the business partner",
                "example": "Deutschland",
                "type": "string"
              },
              "addressStreet": {
                "description": "Address street incl. number of the business partner",
                "example": "Lyonel-Feininger-Straße 28",
                "type": "string"
              },
              "addressZip": {
                "description": "Address zip/postal code of the business partner",
                "example": " 80807",
                "type": "string"
              },
              "categories": {
                "description": "Categories the business partner belongs to.",
                "example": [
                  "BANKFINANCE",
                  "BANKFINANCE_INVESTMENT",
                  "BANKFINANCE_OTHER",
                  "SERVICES",
                  "SERVICES_PROFESSIONAL",
                  "SERVICES_ONLINE"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "creditorId": {
                "description": "creditor id of the business partner",
                "example": "DEZZZ00000012345",
                "type": "string"
              },
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "BANKSapi",
                "type": "string"
              },
              "group": {
                "description": "Group the business partner belongs to.",
                "example": "Finconomy AG",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 262,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "BANKSapi Technology GmbH",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              },
              "telephone": {
                "description": "Telephone of the business partner",
                "example": "+49 (0)89 121 408 82",
                "type": "string"
              },
              "website": {
                "description": "Website of the business partner",
                "example": "www.banksapi.de",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemCategory": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemInsuranceType": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemPeriod": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          }
        },
        "required": [
          "entity",
          "id",
          "tagTreeItemBusinessPartner",
          "tagTreeItemCategory",
          "tagTreeItemPeriod"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "lengthOfEmployment": {
      "description": "Age of oldest continuous salary contract in days",
      "type": "integer"
    },
    "statistics": {
      "allOf": [
        {
          "properties": {
            "max": {
              "description": "Largest sum of payments in a month",
              "type": "number"
            },
            "mean": {
              "description": "Mean sum of payments per month",
              "type": "number"
            },
            "median": {
              "description": "Median sum of payments per month",
              "type": "number"
            },
            "min": {
              "description": "Smallest sum of payments in a month",
              "type": "number"
            }
          },
          "required": [
            "max",
            "mean",
            "median",
            "min"
          ],
          "type": "object"
        }
      ],
      "description": "A summary of the statistics over the last 6 months as far as available"
    }
  },
  "required": [
    "contracts",
    "lengthOfEmployment",
    "statistics"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
contracts	[contract_tag_instance_schema]	true	none	A list of all contracts in this category active or ended within the last 6 months
lengthOfEmployment	integer	true	none	Age of oldest continuous salary contract in days
statistics	credit_attributes_statistics_schema	true	none	A summary of the statistics over the last 6 months as far as available

credit_attributes_schema

{
  "assets": {
    "investments": [],
    "products": [
      {
        "balance": 2145.78,
        "bic": "XXX12345678",
        "creditDrawn": 100,
        "creditLimit": 2045.78,
        "currency": "EUR",
        "iban": "DE001234567890123456AI",
        "id": "ff165778-d633-5cc2-8aa2-331dd6c32c67",
        "lastUpdated": "2023-07-13 14:09:06",
        "name": "Girokonto",
        "overdraftLimit": 3000,
        "owner": "Li Wang",
        "providerId": "00000000-0000-0000-0000-000000000000",
        "providerName": "Demo Provider",
        "status": "VOLLSTAENDIG",
        "type": "GIROKONTO"
      }
    ]
  },
  "budget": {
    "expenses": {
      "fixedSpending": {
        "statistics": {
          "max": 1572.24,
          "mean": 1381.62,
          "median": 1376,
          "min": 1214.33
        }
      },
      "totalSpending": {
        "statistics": {
          "max": 2351.1,
          "mean": 1835.04,
          "median": 1744.18,
          "min": 1568.56
        }
      },
      "variableSpending": {
        "statistics": {
          "max": 1133.32,
          "mean": 453.42,
          "median": 363.29,
          "min": 35.19
        }
      }
    },
    "income": {
      "fixedIncome": {
        "contracts": [
          {
            "details": {
              "amountFirst": 204,
              "amountLatest": 204,
              "amountMaximum": 204,
              "amountMean": 204,
              "amountMedian": 204,
              "amountMinimum": 204,
              "amountNext": 204,
              "amountTotal": 2448,
              "amountTotalNonRegular": 0,
              "amountTotalRegular": 2448,
              "contractNumbers": [
                "KG237002FK188590"
              ],
              "costDevelopment": {
                "2022-08-09": 204,
                "2022-09-09": 204,
                "2022-10-09": 204,
                "2022-11-09": 204,
                "2022-12-09": 204,
                "2023-01-09": 204,
                "2023-02-09": 204,
                "2023-03-09": 204,
                "2023-04-09": 204,
                "2023-05-09": 204,
                "2023-06-09": 204,
                "2023-07-09": 204
              },
              "costDevelopmentRegular": {
                "2022-08-09": 204,
                "2022-09-09": 204,
                "2022-10-09": 204,
                "2022-11-09": 204,
                "2022-12-09": 204,
                "2023-01-09": 204,
                "2023-02-09": 204,
                "2023-03-09": 204,
                "2023-04-09": 204,
                "2023-05-09": 204,
                "2023-06-09": 204,
                "2023-07-09": 204
              },
              "counterpartyBic": "MARKDEF1760",
              "counterpartyIban": "DE077600000000760016",
              "counterpartyName": "Bundesagentur fur Arbeit - Familienkasse",
              "counterpartyNameUltimate": "",
              "customerNumbers": [],
              "dateFirst": "2022-08-09",
              "dateLatest": "2023-07-09",
              "dateNext": "2023-08-09",
              "dateStart": "2022-08-09",
              "daysAge": 338,
              "growthRate": 0,
              "standardDeviation": 0,
              "status": "ACTIVE",
              "transactionIds": [
                "1a62aff0-000b-60d0-2640-74a316284f9d",
                "1a6d95f0-0000-641c-bf53-2db3591ab06d",
                "1a7821f0-0001-9b0a-2660-e38301b800ae",
                "1a830bb0-0001-c336-b0ca-83d314fb0869",
                "1a8d97b0-0002-303c-d353-b3530898c32b",
                "1a987db0-0008-b365-0803-46933da9f3b6",
                "1aa363b0-0001-62d6-d412-4ed3b7c9bee7",
                "1aad3bb0-000d-e724-3973-9d834e69d713",
                "1ab81df0-0006-3328-0519-bcf3fe690f40",
                "1ac2a9f0-000a-e169-66db-3103739bef1b",
                "1acd8ff0-000f-f6b9-7e6b-0fe3927aca69",
                "1ad81bf0-000c-c8e0-a93b-09c35b3b31a5"
              ],
              "transactionIdsNonRegular": [],
              "transactionIdsRegular": [
                "1a62aff0-000b-60d0-2640-74a316284f9d",
                "1a6d95f0-0000-641c-bf53-2db3591ab06d",
                "1a7821f0-0001-9b0a-2660-e38301b800ae",
                "1a830bb0-0001-c336-b0ca-83d314fb0869",
                "1a8d97b0-0002-303c-d353-b3530898c32b",
                "1a987db0-0008-b365-0803-46933da9f3b6",
                "1aa363b0-0001-62d6-d412-4ed3b7c9bee7",
                "1aad3bb0-000d-e724-3973-9d834e69d713",
                "1ab81df0-0006-3328-0519-bcf3fe690f40",
                "1ac2a9f0-000a-e169-66db-3103739bef1b",
                "1acd8ff0-000f-f6b9-7e6b-0fe3927aca69",
                "1ad81bf0-000c-c8e0-a93b-09c35b3b31a5"
              ]
            },
            "entity": {
              "displayName": "BENUTZER",
              "entityClass": "USER",
              "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
              "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
            },
            "id": "ca60688a-2e44-e407-bad5-342adb4e5513",
            "tagTreeItemBusinessPartner": {
              "addressCity": "Nürnberg",
              "addressCountry": "Deutschland",
              "addressStreet": "Regensburger Straße 104",
              "addressZip": "90478",
              "categories": [],
              "displayName": "Bundesagentur für Arbeit (BA)",
              "systemId": 4392,
              "systemName": "Bundesagentur für Arbeit",
              "tagTree": {
                "description": "Single level tag tree of business partners.",
                "displayName": "Geschäftspartner",
                "isTenantGenerated": false,
                "systemId": 3,
                "systemName": "BUSINESS_PARTNERS",
                "version": 1.91
              },
              "telephone": "0911/179-0",
              "website": "https://www.arbeitsagentur.de/"
            },
            "tagTreeItemCategory": {
              "description": "Income from gov. child benefits",
              "displayName": "Staatliche Förderung für Familie und Kinder",
              "systemId": 52,
              "systemName": "INCOME_STATEFAMILY",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level categorization tree.",
                "displayName": "Kategorien",
                "isTenantGenerated": false,
                "systemId": 1,
                "systemName": "CATEGORIES",
                "version": 3.71
              }
            },
            "tagTreeItemInsuranceType": {
              "displayName": "Nicht versicherungsrelevant - Einnahmen",
              "systemId": 28,
              "systemName": "INCOME_UNRELATED",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level fine grained insurance categorization tag tree.",
                "displayName": "Versicherungsarten",
                "isTenantGenerated": false,
                "systemId": 2,
                "systemName": "INSURANCE_TYPES",
                "version": 2.41
              }
            },
            "tagTreeItemPeriod": {
              "description": "Period of a single month",
              "displayName": "Ein Monat",
              "systemId": 3,
              "systemName": "MONTH_ONE",
              "systemNameParent": "MONTH",
              "tagTree": {
                "description": "Two level periods tag tree.",
                "displayName": "Turnus",
                "isTenantGenerated": false,
                "systemId": 4,
                "systemName": "PERIODS",
                "version": 0.4
              }
            }
          }
        ],
        "statistics": {
          "max": 204,
          "mean": 204,
          "median": 204,
          "min": 204
        }
      },
      "salary": {
        "contracts": [
          {
            "details": {
              "amountFirst": 4856.84,
              "amountLatest": 4856.84,
              "amountMaximum": 4856.84,
              "amountMean": 4856.84,
              "amountMedian": 4856.84,
              "amountMinimum": 4856.84,
              "amountNext": 4856.84,
              "amountTotal": 33997.88,
              "amountTotalNonRegular": 0,
              "amountTotalRegular": 33997.88,
              "contractNumbers": [],
              "costDevelopment": {
                "2022-12-29": 4856.84,
                "2023-01-29": 4856.84,
                "2023-02-28": 4856.84,
                "2023-03-29": 4856.84,
                "2023-04-29": 4856.84,
                "2023-05-29": 4856.84,
                "2023-06-29": 4856.84
              },
              "costDevelopmentRegular": {
                "2022-12-29": 4856.84,
                "2023-01-29": 4856.84,
                "2023-02-28": 4856.84,
                "2023-03-29": 4856.84,
                "2023-04-29": 4856.84,
                "2023-05-29": 4856.84,
                "2023-06-29": 4856.84
              },
              "counterpartyBic": "",
              "counterpartyIban": "DE100456789",
              "counterpartyName": "The Company",
              "counterpartyNameUltimate": "",
              "customName": "The Company",
              "customerNumbers": [],
              "dateFirst": "2022-12-29",
              "dateLatest": "2023-06-29",
              "dateNext": "2023-07-31",
              "dateStart": "2022-12-29",
              "daysAge": 196,
              "growthRate": 0,
              "standardDeviation": 0,
              "status": "ACTIVE",
              "transactionIds": [
                "1a94b470-0005-4d21-b5e4-fc537ee85372",
                "1a9f9a70-000e-2df4-e7f3-3223b9baac33",
                "1aaa2670-0006-9b4a-6b2f-05d33a0bbdd7",
                "1ab454b0-0002-2408-739c-9213d5681020",
                "1abf3ab0-000b-e237-2a5e-68b3c43ab447",
                "1ac9c6b0-000d-fe59-053b-d563ba3a8ca7",
                "1ad4acb0-000b-fa2a-b232-4603c00a9efd"
              ],
              "transactionIdsNonRegular": [],
              "transactionIdsRegular": [
                "1a94b470-0005-4d21-b5e4-fc537ee85372",
                "1a9f9a70-000e-2df4-e7f3-3223b9baac33",
                "1aaa2670-0006-9b4a-6b2f-05d33a0bbdd7",
                "1ab454b0-0002-2408-739c-9213d5681020",
                "1abf3ab0-000b-e237-2a5e-68b3c43ab447",
                "1ac9c6b0-000d-fe59-053b-d563ba3a8ca7",
                "1ad4acb0-000b-fa2a-b232-4603c00a9efd"
              ]
            },
            "entity": {
              "displayName": "BENUTZER",
              "entityClass": "USER",
              "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
              "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
            },
            "id": "b54f1bd6-6367-f49c-9a0f-fd10c33528da",
            "tagTreeItemBusinessPartner": {
              "categories": [
                "OTHER_OTHER"
              ],
              "description": "Unknown business partner, for business partners with custom name",
              "displayName": "Unbekannter Geschäftspartner",
              "systemId": 4384,
              "systemName": "UNKNOWN",
              "tagTree": {
                "description": "Single level tag tree of business partners.",
                "displayName": "Geschäftspartner",
                "isTenantGenerated": false,
                "systemId": 3,
                "systemName": "BUSINESS_PARTNERS",
                "version": 1.91
              }
            },
            "tagTreeItemCategory": {
              "description": "Income from salary payments",
              "displayName": "Gehalt",
              "systemId": 49,
              "systemName": "INCOME_SALARY",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level categorization tree.",
                "displayName": "Kategorien",
                "isTenantGenerated": false,
                "systemId": 1,
                "systemName": "CATEGORIES",
                "version": 3.71
              }
            },
            "tagTreeItemInsuranceType": {
              "displayName": "Nicht versicherungsrelevant - Einnahmen",
              "systemId": 28,
              "systemName": "INCOME_UNRELATED",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level fine grained insurance categorization tag tree.",
                "displayName": "Versicherungsarten",
                "isTenantGenerated": false,
                "systemId": 2,
                "systemName": "INSURANCE_TYPES",
                "version": 2.41
              }
            },
            "tagTreeItemPeriod": {
              "description": "Period of a single month",
              "displayName": "Ein Monat",
              "systemId": 3,
              "systemName": "MONTH_ONE",
              "systemNameParent": "MONTH",
              "tagTree": {
                "description": "Two level periods tag tree.",
                "displayName": "Turnus",
                "isTenantGenerated": false,
                "systemId": 4,
                "systemName": "PERIODS",
                "version": 0.4
              }
            }
          }
        ],
        "lengthOfEmployment": 196,
        "statistics": {
          "max": 4856.84,
          "mean": 4856.84,
          "median": 4856.84,
          "min": 4856.84
        }
      },
      "totalIncome": {
        "statistics": {
          "max": 5060.84,
          "mean": 5060.84,
          "median": 5060.84,
          "min": 5060.84
        }
      },
      "variableIncome": {
        "statistics": {
          "max": 0,
          "mean": 0,
          "median": 0,
          "min": 0
        }
      },
      "windfalls": []
    },
    "net": {
      "positiveCashflowRatio": 1,
      "statistics": {
        "max": 3492.28,
        "mean": 3225.8,
        "median": 3316.66,
        "min": 2709.74
      }
    },
    "savings": {
      "statistics": {
        "max": 0,
        "mean": 0,
        "median": 0,
        "min": 0
      }
    }
  },
  "credit": {
    "financialCredit": {
      "activeContracts": [],
      "passiveContracts": []
    },
    "leasing": {
      "activeContracts": [],
      "passiveContracts": []
    },
    "mortgage": {
      "activeContracts": [],
      "passiveContracts": []
    }
  },
  "flags": {
    "creditCards": 0,
    "debtCollection": [],
    "reminderCharges": [],
    "returnedDebitNotes": [
      {
        "amount": 209.99,
        "id": "1a774880-0008-9131-7b07-fe333e8818a2",
        "postingDatetime": "2022-10-07 00:00:00",
        "product": "ff165778-d633-5cc2-8aa2-331dd6c32c67",
        "provider": "00000000-0000-0000-0000-000000000000",
        "tags": {
          "businessPartner": {
            "entity": {
              "displayName": "Kontoumsatz",
              "entityClass": "TRANSACTION",
              "id": "1a774880-0008-9131-7b07-fe333e8818a2",
              "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
            },
            "id": "24658f8f-bb91-b1af-f7e0-af8fff4a3fe9",
            "tagTreeItem": {
              "description": "Unknown business partner, for business partners with custom name",
              "displayName": "Unbekannter Geschäftspartner",
              "systemId": 4384,
              "systemName": "UNKNOWN",
              "tagTree": {
                "description": "Single level tag tree of business partners.",
                "displayName": "Geschäftspartner",
                "isTenantGenerated": false,
                "systemId": 3,
                "systemName": "BUSINESS_PARTNERS",
                "version": 1.91
              }
            }
          },
          "category": {
            "entity": {
              "displayName": "Kontoumsatz",
              "entityClass": "TRANSACTION",
              "id": "1a774880-0008-9131-7b07-fe333e8818a2",
              "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
            },
            "id": "9799df14-5082-6cef-588f-4573e7837266",
            "tagTreeItem": {
              "description": "Transactions involving failed debit payments that are returned.",
              "displayName": "Rücklastschriften",
              "systemId": 48,
              "systemName": "INCOME_RETURNDEBIT",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level categorization tree.",
                "displayName": "Kategorien",
                "isTenantGenerated": false,
                "systemId": 1,
                "systemName": "CATEGORIES",
                "version": 3.71
              }
            }
          },
          "insurance": {
            "entity": {
              "displayName": "Kontoumsatz",
              "entityClass": "TRANSACTION",
              "id": "1a774880-0008-9131-7b07-fe333e8818a2",
              "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
            },
            "id": "e7206a87-c43b-b9d7-c186-7bfd44019cc4",
            "tagTreeItem": {
              "displayName": "Nicht versicherungsrelevant - Einnahmen",
              "systemId": 28,
              "systemName": "INCOME_UNRELATED",
              "systemNameParent": "INCOME",
              "tagTree": {
                "description": "Two level fine grained insurance categorization tag tree.",
                "displayName": "Versicherungsarten",
                "isTenantGenerated": false,
                "systemId": 2,
                "systemName": "INSURANCE_TYPES",
                "version": 2.41
              }
            }
          }
        }
      }
    ],
    "riskyPayment": {
      "statistics": {
        "max": 0,
        "mean": 0,
        "median": 0,
        "min": 0
      }
    }
  },
  "lifeStages": {
    "housing": {
      "entity": {
        "displayName": "BENUTZER",
        "entityClass": "USER",
        "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
        "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
      },
      "id": "a6a99ea6-7ab8-18c1-8589-2e8a3bd0068f",
      "tagTreeItem": {
        "displayName": "Mieter",
        "domain": {
          "description": "The user's ownership status for their current home",
          "displayName": "Wohnsituation",
          "systemId": 4,
          "systemName": "HOUSING",
          "tagTree": {
            "description": "Tag tree for life domains",
            "displayName": "Lebensdomänen",
            "isTenantGenerated": false,
            "systemId": 10,
            "systemName": "LIFE_DOMAINS",
            "version": 0.3
          }
        },
        "systemId": 15,
        "systemName": "TENANCY",
        "tagTree": {
          "description": "Single level life stage tag tree.",
          "displayName": "Lebensphasen",
          "isTenantGenerated": false,
          "systemId": 12,
          "systemName": "LIFE_STAGES",
          "version": 0.6
        }
      }
    },
    "labourMarket": {
      "entity": {
        "displayName": "BENUTZER",
        "entityClass": "USER",
        "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
        "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
      },
      "id": "9cbd4983-42a0-0242-ffba-5b24ac035b30",
      "tagTreeItem": {
        "displayName": "Angestellt",
        "domain": {
          "description": "The user's state with respect to employment and education",
          "displayName": "Arbeitsmarkt",
          "systemId": 1,
          "systemName": "LABOUR_MARKET",
          "tagTree": {
            "description": "Tag tree for life domains",
            "displayName": "Lebensdomänen",
            "isTenantGenerated": false,
            "systemId": 10,
            "systemName": "LIFE_DOMAINS",
            "version": 0.3
          }
        },
        "systemId": 4,
        "systemName": "EMPLOYMENT",
        "tagTree": {
          "description": "Single level life stage tag tree.",
          "displayName": "Lebensphasen",
          "isTenantGenerated": false,
          "systemId": 12,
          "systemName": "LIFE_STAGES",
          "version": 0.6
        }
      }
    },
    "parenthood": {
      "entity": {
        "displayName": "BENUTZER",
        "entityClass": "USER",
        "id": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58",
        "userId": "0e3cb7d1-1ccb-4094-b382-21d3590dfe58"
      },
      "id": "3681c765-42f4-e77f-4794-39c300fe2a44",
      "tagTreeItem": {
        "displayName": "Elternteil",
        "domain": {
          "description": "The user's parental status",
          "displayName": "Elternschaft",
          "systemId": 2,
          "systemName": "PARENTHOOD",
          "tagTree": {
            "description": "Tag tree for life domains",
            "displayName": "Lebensdomänen",
            "isTenantGenerated": false,
            "systemId": 10,
            "systemName": "LIFE_DOMAINS",
            "version": 0.3
          }
        },
        "systemId": 7,
        "systemName": "PARENTHOOD",
        "tagTree": {
          "description": "Single level life stage tag tree.",
          "displayName": "Lebensphasen",
          "isTenantGenerated": false,
          "systemId": 12,
          "systemName": "LIFE_STAGES",
          "version": 0.6
        }
      }
    },
    "relationship": {}
  }
}

Properties

Name	Type	Required	Restrictions	Description
assets	credit_attributes_assets_schema	true	none	List of all bank products and depots their credit-lines and ages
budget	credit_attributes_budget_schema	true	none	A digital budget summarizing financial flows across all the connected accounts
credit	credit_attributes_credit_schema	true	none	Active and paid-off credit contracts
flags	credit_attributes_flags_schema	true	none	Payments that reflect lower probabilities for credit repayment
lifeStages	credit_attributes_life_stages_schema	true	none	Life stages in different life domains that may relate to credit worthiness. Only positive detections are reported. Empty result in a domain may indicate lack of relevant transactions.

credit_attributes_statistics_schema

{
  "properties": {
    "max": {
      "description": "Largest sum of payments in a month",
      "type": "number"
    },
    "mean": {
      "description": "Mean sum of payments per month",
      "type": "number"
    },
    "median": {
      "description": "Median sum of payments per month",
      "type": "number"
    },
    "min": {
      "description": "Smallest sum of payments in a month",
      "type": "number"
    }
  },
  "required": [
    "max",
    "mean",
    "median",
    "min"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
max	number	true	none	Largest sum of payments in a month
mean	number	true	none	Mean sum of payments per month
median	number	true	none	Median sum of payments per month
min	number	true	none	Smallest sum of payments in a month

credit_check_tag_instance_details_schema

{
  "properties": {
    "averageMonthlySalary": {
      "description": "The user's monthly active salary, averaged over the last three transactions.",
      "example": 1234.56,
      "type": "number"
    },
    "existingLoans": {
      "description": "Indicator whether the user has any open loans",
      "example": true,
      "type": "boolean"
    },
    "fixedIncome": {
      "description": "Indicator whether the user has a fixed income. This includes salary, pension and other regular incomes such as rental income. To avoid small amounts to trigger the flag, a threshold of 300 € is set.",
      "example": true,
      "type": "boolean"
    },
    "lengthOfEmployment": {
      "description": "The time in days the user has been employed with the current contract",
      "example": 65,
      "type": "integer"
    },
    "mortgagePayments": {
      "description": "Indicator whether the user has made at least one payment related to a mortgage",
      "example": true,
      "type": "boolean"
    },
    "ratioDeficitMonths": {
      "description": "Ratio of months the user had deficits",
      "example": 0.5,
      "type": "number"
    },
    "reminderCharges": {
      "description": "Indicator whether the user has paid charges for reminders at least once",
      "example": true,
      "type": "boolean"
    },
    "returnDebits": {
      "description": "Indicator whether the user has received at least one payment referring to a return debit",
      "example": true,
      "type": "boolean"
    },
    "riskyActivities": {
      "description": "Indicator whether the user has been involved in risky activities at least once",
      "example": true,
      "type": "boolean"
    }
  },
  "required": [
    "averageMonthlySalary",
    "existingLoans",
    "fixedIncome",
    "lengthOfEmployment",
    "mortgagePayments",
    "ratioDeficitMonths",
    "reminderCharges",
    "returnDebits",
    "riskyActivities"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
averageMonthlySalary	number	true	none	The user's monthly active salary, averaged over the last three transactions.
existingLoans	boolean	true	none	Indicator whether the user has any open loans
fixedIncome	boolean	true	none	Indicator whether the user has a fixed income. This includes salary, pension and other regular incomes such as rental income. To avoid small amounts to trigger the flag, a threshold of 300 € is set.
lengthOfEmployment	integer	true	none	The time in days the user has been employed with the current contract
mortgagePayments	boolean	true	none	Indicator whether the user has made at least one payment related to a mortgage
ratioDeficitMonths	number	true	none	Ratio of months the user had deficits
reminderCharges	boolean	true	none	Indicator whether the user has paid charges for reminders at least once
returnDebits	boolean	true	none	Indicator whether the user has received at least one payment referring to a return debit
riskyActivities	boolean	true	none	Indicator whether the user has been involved in risky activities at least once

credit_check_tag_instance_schema

{
  "details": {
    "averageMonthlySalary": 1234.56,
    "existingLoans": true,
    "fixedIncome": true,
    "lengthOfEmployment": 65,
    "mortgagePayments": true,
    "ratioDeficitMonths": 0.5,
    "reminderCharges": true,
    "returnDebits": true,
    "riskyActivities": true
  },
  "entity": {
    "displayName": "Kontoumsatz",
    "entityClass": "TRANSACTION",
    "id": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
    "userId": "156ca508-c0e2-52c5-3202-8de20e7ed12b"
  },
  "id": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
  "relations": [
    {
      "href": "https://banksapi.io/tags/tag-trees/",
      "rel": "tag_trees"
    }
  ],
  "tagTreeItem": {
    "description": "Expenses from daily grocery purchases",
    "displayName": "Groceries",
    "systemId": 17,
    "systemName": "LIVING_GROCERIES",
    "systemNameParent": "LIVING",
    "tagTree": {
      "description": "Detailed inusrance categories.",
      "displayName": "Kategorien",
      "isTenantGenerated": true,
      "systemId": 1,
      "systemName": "CATEGORIES",
      "version": 1.5
    }
  }
}

Properties

Name	Type	Required	Restrictions	Description
details	credit_check_tag_instance_details_schema	false	none	none
entity	entity_schema	true	none	none
id	string	true	none	Unique Universal Identifier (UUID)
relations	[relation_schema]	false	none	List of relations
tagTreeItem	tag_tree_item_schema	true	none	none

disposable_money_tag_instance_details_schema

{
  "properties": {
    "amountCashflow": {
      "description": "Sum of income and expenses (cashflow) since the latest salary payment",
      "example": -1322.78,
      "type": "number"
    },
    "amountCurrentlyLeft": {
      "description": "Amount currently left until the next salary payment considering the cashflow since the latest salary payment",
      "example": 1517.75,
      "type": "number"
    },
    "amountDisposableMoney": {
      "description": "Amount estimated to be left at the next salary payment considering the cashflow since the latest salary payment the expected fixed cashflow until the next salary payment and the expected flexible cashflow until the next salary payment",
      "example": 672.19,
      "type": "number"
    },
    "amountExpectedFixedCashflow": {
      "description": "Sum of expected income and expenses (cashflow) from contractsdue until the next salary payment",
      "example": -422.78,
      "type": "number"
    },
    "amountExpectedFlexCashflow": {
      "description": "Sum of flexible income and expenses (cashflow) expected until the next salary payment derived from previous spending habits excluding contracts (expected fixed cashflow)",
      "example": -422.78,
      "type": "number"
    },
    "amountExpectedLeft": {
      "description": "Amount expectedly left until the next salary payment considering the cashflow since the latest salary payment and the expected cashflow until the next salary payment",
      "example": 1094.97,
      "type": "number"
    },
    "amountExpectedLeftDaily": {
      "description": "Daily amount expectedly left until the next salary payment considering the cashflow since the latest salary payment and the expected cashflow until the next salary payment",
      "example": 64.41,
      "type": "number"
    },
    "amountSalaryLatest": {
      "description": "Amount of the latest salaray payment",
      "example": 2840.53,
      "minimum": 0,
      "type": "number"
    },
    "amountSalaryNext": {
      "description": "Amount of the next salaray payment",
      "example": 2840.53,
      "minimum": 0,
      "type": "number"
    },
    "dateSalaryLatest": {
      "description": "Date of the lastest salary payment",
      "example": "2017-04-03",
      "format": "date",
      "type": "string"
    },
    "dateSalaryNext": {
      "description": "Predicted date of the next salary payment",
      "example": "2017-04-03",
      "format": "date",
      "type": "string"
    },
    "daysUntilSalary": {
      "description": "Days until the next salaray payment is expected. A negative value means, the predicted salary payment is overdue or the employment ended and no new employment contract was detected or the detection did not work.",
      "example": 17,
      "maximum": 99,
      "minimum": -99,
      "type": "integer"
    }
  },
  "required": [
    "amountCashflow",
    "amountCurrentlyLeft",
    "amountDisposableMoney",
    "amountExpectedFixedCashflow",
    "amountExpectedFlexCashflow",
    "amountExpectedLeft",
    "amountExpectedLeftDaily",
    "amountSalaryLatest",
    "amountSalaryNext",
    "dateSalaryLatest",
    "dateSalaryNext",
    "daysUntilSalary"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
amountCashflow	number	true	none	Sum of income and expenses (cashflow) since the latest salary payment
amountCurrentlyLeft	number	true	none	Amount currently left until the next salary payment considering the cashflow since the latest salary payment
amountDisposableMoney	number	true	none	Amount estimated to be left at the next salary payment considering the cashflow since the latest salary payment the expected fixed cashflow until the next salary payment and the expected flexible cashflow until the next salary payment
amountExpectedFixedCashflow	number	true	none	Sum of expected income and expenses (cashflow) from contractsdue until the next salary payment
amountExpectedFlexCashflow	number	true	none	Sum of flexible income and expenses (cashflow) expected until the next salary payment derived from previous spending habits excluding contracts (expected fixed cashflow)
amountExpectedLeft	number	true	none	Amount expectedly left until the next salary payment considering the cashflow since the latest salary payment and the expected cashflow until the next salary payment
amountExpectedLeftDaily	number	true	none	Daily amount expectedly left until the next salary payment considering the cashflow since the latest salary payment and the expected cashflow until the next salary payment
amountSalaryLatest	number	true	none	Amount of the latest salaray payment
amountSalaryNext	number	true	none	Amount of the next salaray payment
dateSalaryLatest	string(date)	true	none	Date of the lastest salary payment
dateSalaryNext	string(date)	true	none	Predicted date of the next salary payment
daysUntilSalary	integer	true	none	Days until the next salaray payment is expected. A negative value means, the predicted salary payment is overdue or the employment ended and no new employment contract was detected or the detection did not work.

disposable_money_tag_instance_schema

{
  "details": {
    "amountCashflow": -739.29,
    "amountCurrrentlyLeft": 3117.55,
    "amountDisposableMoney": 3117.55,
    "amountExpectedFixedCashflow": 0,
    "amountExpectedFlexCashflow": 0,
    "amountExpectedLeft": 3117.55,
    "amountExpectedLeftDaily": -283.41,
    "amountSalaryLatest": 3856.84,
    "amountSalaryNext": 3856.84,
    "dateSalaryLatest": "2021-02-29",
    "dateSalaryNext": "2021-03-29",
    "daysUntilSalary": -11
  },
  "entity": {
    "displayName": "USER",
    "entityClass": "USER",
    "id": "0b64d605-0483-4bae-8b12-fa26e313060b"
  },
  "id": "e846b38e-ec53-48de-b3e5-a81f5397c38a",
  "relations": [
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/",
      "rel": "tag_trees"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/7/",
      "rel": "tag_tree"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/7/tag-tree-items/",
      "rel": "tag_tree_items"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/7/tag-tree-items/908/",
      "rel": "tag_tree_item"
    }
  ],
  "tagTreeItem": {
    "description": "Information about the disposable money",
    "displayName": "Informationen über frei verfügbares Geld",
    "systemId": 908,
    "systemName": "DISPOSABLEMONEY_INFORMATION",
    "systemNameParent": "DISPOSABLEMONEY",
    "tagTree": {
      "description": "Disposable money tag tree with single parent and child tag.",
      "displayName": "Einkommensüberschuss",
      "isClientGenerated": false,
      "systemId": 7,
      "systemName": "DISPOSABLE_MONEY",
      "version": 0.1
    }
  }
}

Properties

Name	Type	Required	Restrictions	Description
details	disposable_money_tag_instance_details_schema	false	none	none
entity	entity_schema	true	none	none
id	string	true	none	Unique Universal Identifier (UUID)
relations	[relation_schema]	false	none	List of relations
tagTreeItem	tag_tree_item_schema	true	none	none

entity_schema

{
  "properties": {
    "displayName": {
      "description": "Display name of the entity",
      "example": "Kontoumsatz",
      "type": "string"
    },
    "entityClass": {
      "description": "Class of the entity, such as TRANSACTION or USER",
      "example": "TRANSACTION",
      "type": "string"
    },
    "id": {
      "description": "Transaction UUID or USER UUID.",
      "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "userId": {
      "description": "UUID of the USER. Same as id field for USER entities.",
      "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    }
  },
  "required": [
    "displayName",
    "entityClass",
    "id"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
displayName	string	true	none	Display name of the entity
entityClass	string	true	none	Class of the entity, such as TRANSACTION or USER
id	string	true	none	Transaction UUID or USER UUID.
userId	string	false	none	UUID of the USER. Same as id field for USER entities.

extensive_tag_tree_item_schema

{
  "description": "Transactions in the field of banking and finance",
  "displayName": "Bank und Finanzen",
  "relations": [
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/1/",
      "rel": "self"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/",
      "rel": "tag_trees"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/1/",
      "rel": "tag_tree"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/",
      "rel": "tag_tree_items"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/1/",
      "rel": "tag_tree_item"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/None/",
      "rel": "tag_tree_item_parent"
    }
  ],
  "systemId": 1,
  "systemName": "BANKFINANCE",
  "tagTree": {
    "description": "Two level categorization tree.",
    "displayName": "Kategorien",
    "isClientGenerated": false,
    "systemId": 1,
    "systemName": "CATEGORIES",
    "version": 3.7
  }
}

Properties

Name	Type	Required	Restrictions	Description
addressCity	string	false	none	Address city of the business partner
addressCountry	string	false	none	Address country of the business partner
addressStreet	string	false	none	Address street incl. number of the business partner
addressZip	string	false	none	Address zip/postal code of the business partner
categories	[string]	false	none	Categories the business partner belongs to.
creditorId	string	false	none	creditor id of the business partner
description	string	false	none	Gives a description of the tagTreeItem
displayName	string	true	none	User-friendly name shown to the end-users
group	string	false	none	Group the business partner belongs to.
relations	[relation_schema]	false	none	List of relations
systemId	integer	true	none	Unique internal id of the tag tree item
systemName	string	true	none	Unique name of the tag tree item
systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
telephone	string	false	none	Telephone of the business partner
website	string	false	none	Website of the business partner

investment_schema

{
  "properties": {
    "amount": {
      "description": "Amount of the securities",
      "example": 7,
      "type": "number"
    },
    "currency": {
      "description": "Trading currency (Alphabetic Code ISO 4217)",
      "example": "EUR",
      "type": "string"
    },
    "exchangeRate": {
      "description": "Exchange rate from EUR to the trading currency",
      "example": 1,
      "type": "number"
    },
    "isin": {
      "description": "International Securities Identification Number (ISIN) of the financial instrument",
      "example": "DE000BAY0017",
      "type": "string"
    },
    "name": {
      "description": "Name of the deposit position, usually the name of the financial instrument",
      "example": "Bayer AG",
      "type": "string"
    },
    "price": {
      "description": "Trading price in trading currency",
      "example": 53.47,
      "type": "number"
    },
    "rateDate": {
      "description": "Date of the trading rate in yyyy-mm-dd HH:MM:SS format",
      "example": "2021-03-08 09:34:46",
      "format": "date-time",
      "type": "string"
    },
    "totalValue": {
      "description": "Total value of the stock in EUR as at the end of the financial statements",
      "example": 364.66,
      "type": "number"
    },
    "unit": {
      "description": "Trading unit",
      "example": "STUECK",
      "type": "string"
    },
    "venue": {
      "description": "Trading venue of the price determination",
      "example": "MUN",
      "type": "string"
    },
    "wkn": {
      "description": "Wertpapierkennnummer (WKN) of the financial instrument. Corresponds to the German National Securities Identifying Number (NSIN), but without the three leading zeros.",
      "example": "BAY001",
      "type": "string"
    }
  },
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
amount	number	false	none	Amount of the securities
currency	string	false	none	Trading currency (Alphabetic Code ISO 4217)
exchangeRate	number	false	none	Exchange rate from EUR to the trading currency
isin	string	false	none	International Securities Identification Number (ISIN) of the financial instrument
name	string	false	none	Name of the deposit position, usually the name of the financial instrument
price	number	false	none	Trading price in trading currency
rateDate	string(date-time)	false	none	Date of the trading rate in yyyy-mm-dd HH:MM:SS format
totalValue	number	false	none	Total value of the stock in EUR as at the end of the financial statements
unit	string	false	none	Trading unit
venue	string	false	none	Trading venue of the price determination
wkn	string	false	none	Wertpapierkennnummer (WKN) of the financial instrument. Corresponds to the German National Securities Identifying Number (NSIN), but without the three leading zeros.

life_event_tag_instance_details_schema

{
  "properties": {
    "eventDate": {
      "description": "Date of the event",
      "example": "2019-05-03",
      "format": "date",
      "type": "string"
    }
  },
  "required": [
    "eventDate"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
eventDate	string(date)	true	none	Date of the event

life_event_tag_instance_schema

{
  "properties": {
    "details": {
      "properties": {
        "eventDate": {
          "description": "Date of the event",
          "example": "2019-05-03",
          "format": "date",
          "type": "string"
        }
      },
      "required": [
        "eventDate"
      ],
      "type": "object"
    },
    "entity": {
      "properties": {
        "displayName": {
          "description": "Display name of the entity",
          "example": "Kontoumsatz",
          "type": "string"
        },
        "entityClass": {
          "description": "Class of the entity, such as TRANSACTION or USER",
          "example": "TRANSACTION",
          "type": "string"
        },
        "id": {
          "description": "Transaction UUID or USER UUID.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        },
        "userId": {
          "description": "UUID of the USER. Same as id field for USER entities.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        }
      },
      "required": [
        "displayName",
        "entityClass",
        "id"
      ],
      "type": "object"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "relations": {
      "description": "List of relations",
      "items": {
        "properties": {
          "href": {
            "description": "Link of the relation",
            "example": "https://banksapi.io/tags/tag-trees/",
            "type": "string"
          },
          "rel": {
            "description": "Name of the relation",
            "example": "tag_trees",
            "type": "string"
          }
        },
        "required": [
          "href",
          "rel"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "tagTreeItem": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "domain": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tagTreeItem",
                  "example": "Expenses from daily grocery purchases",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Groceries",
                  "type": "string"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree item",
                  "example": 17,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree item",
                  "example": "LIVING_GROCERIES",
                  "type": "string"
                },
                "systemNameParent": {
                  "description": "Unique name of the parent of the tagTreeItem",
                  "example": "LIVING",
                  "type": "string"
                },
                "tagTree": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tag tree",
                          "example": "Detailed inusrance categories.",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Kategorien",
                          "type": "string"
                        },
                        "isTenantGenerated": {
                          "description": "Boolean flag, set TRUE if the tag was manually set",
                          "example": true,
                          "type": "boolean"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree",
                          "example": 1,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree",
                          "example": "CATEGORIES",
                          "type": "string"
                        },
                        "version": {
                          "description": "Version of the tag tree",
                          "example": 1.5,
                          "minimum": 0,
                          "type": "number"
                        }
                      },
                      "required": [
                        "displayName",
                        "isTenantGenerated",
                        "systemId",
                        "systemName",
                        "version"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "tagTree that the tagTreeItem belongs to"
                }
              },
              "required": [
                "displayName",
                "systemId",
                "systemName",
                "tagTree"
              ],
              "type": "object"
            }
          ],
          "description": "Life domain this tag belongs to"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "domain",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    }
  },
  "required": [
    "details",
    "entity",
    "id",
    "tagTreeItem"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
details	life_event_tag_instance_details_schema	true	none	none
entity	entity_schema	true	none	none
id	string	true	none	Unique Universal Identifier (UUID)
relations	[relation_schema]	false	none	List of relations
tagTreeItem	life_tag_tree_item_schema	true	none	none

life_stage_explanation_schema

{
  "properties": {
    "conflictingEvents": {
      "description": "The life events that caused the stage to be ambiguous. If the absence of events causes the inconsistency, the list will be empty.",
      "items": {
        "properties": {
          "details": {
            "properties": {
              "eventDate": {
                "description": "Date of the event",
                "example": "2019-05-03",
                "format": "date",
                "type": "string"
              }
            },
            "required": [
              "eventDate"
            ],
            "type": "object"
          },
          "entity": {
            "properties": {
              "displayName": {
                "description": "Display name of the entity",
                "example": "Kontoumsatz",
                "type": "string"
              },
              "entityClass": {
                "description": "Class of the entity, such as TRANSACTION or USER",
                "example": "TRANSACTION",
                "type": "string"
              },
              "id": {
                "description": "Transaction UUID or USER UUID.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              },
              "userId": {
                "description": "UUID of the USER. Same as id field for USER entities.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "entityClass",
              "id"
            ],
            "type": "object"
          },
          "id": {
            "description": "Unique Universal Identifier (UUID)",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "relations": {
            "description": "List of relations",
            "items": {
              "properties": {
                "href": {
                  "description": "Link of the relation",
                  "example": "https://banksapi.io/tags/tag-trees/",
                  "type": "string"
                },
                "rel": {
                  "description": "Name of the relation",
                  "example": "tag_trees",
                  "type": "string"
                }
              },
              "required": [
                "href",
                "rel"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "tagTreeItem": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "domain": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                ],
                "description": "Life domain this tag belongs to"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "domain",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          }
        },
        "required": [
          "details",
          "entity",
          "id",
          "tagTreeItem"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "conflictingStages": {
      "description": "The life stages that caused the stage to be ambiguous",
      "items": {
        "properties": {
          "description": {
            "description": "Gives a description of the tagTreeItem",
            "example": "Expenses from daily grocery purchases",
            "type": "string"
          },
          "displayName": {
            "description": "User-friendly name shown to the end-users",
            "example": "Groceries",
            "type": "string"
          },
          "systemId": {
            "description": "Unique internal id of the tag tree item",
            "example": 17,
            "type": "integer"
          },
          "systemName": {
            "description": "Unique name of the tag tree item",
            "example": "LIVING_GROCERIES",
            "type": "string"
          },
          "systemNameParent": {
            "description": "Unique name of the parent of the tagTreeItem",
            "example": "LIVING",
            "type": "string"
          },
          "tagTree": {
            "allOf": [
              {
                "properties": {
                  "description": {
                    "description": "Gives a description of the tag tree",
                    "example": "Detailed inusrance categories.",
                    "type": "string"
                  },
                  "displayName": {
                    "description": "User-friendly name shown to the end-users",
                    "example": "Kategorien",
                    "type": "string"
                  },
                  "isTenantGenerated": {
                    "description": "Boolean flag, set TRUE if the tag was manually set",
                    "example": true,
                    "type": "boolean"
                  },
                  "systemId": {
                    "description": "Unique internal id of the tag tree",
                    "example": 1,
                    "type": "integer"
                  },
                  "systemName": {
                    "description": "Unique name of the tag tree",
                    "example": "CATEGORIES",
                    "type": "string"
                  },
                  "version": {
                    "description": "Version of the tag tree",
                    "example": 1.5,
                    "minimum": 0,
                    "type": "number"
                  }
                },
                "required": [
                  "displayName",
                  "isTenantGenerated",
                  "systemId",
                  "systemName",
                  "version"
                ],
                "type": "object"
              }
            ],
            "description": "tagTree that the tagTreeItem belongs to"
          }
        },
        "required": [
          "displayName",
          "systemId",
          "systemName",
          "tagTree"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "contractDetails": {
      "description": "The contracts that caused the detection of a life stage",
      "items": {
        "properties": {
          "amountMean": {
            "description": "Mean payment among contract payments",
            "example": "21.35",
            "type": "number"
          },
          "customName": {
            "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
            "example": "Allianz",
            "type": "string"
          },
          "id": {
            "description": "Unique Universal Identifier (UUID)",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "status": {
            "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
            "example": "NOT_ACTIVE",
            "type": "string"
          },
          "tagTreeItemBusinessPartner": {
            "properties": {
              "addressCity": {
                "description": "Address city of the business partner",
                "example": "München",
                "type": "string"
              },
              "addressCountry": {
                "description": "Address country of the business partner",
                "example": "Deutschland",
                "type": "string"
              },
              "addressStreet": {
                "description": "Address street incl. number of the business partner",
                "example": "Lyonel-Feininger-Straße 28",
                "type": "string"
              },
              "addressZip": {
                "description": "Address zip/postal code of the business partner",
                "example": " 80807",
                "type": "string"
              },
              "categories": {
                "description": "Categories the business partner belongs to.",
                "example": [
                  "BANKFINANCE",
                  "BANKFINANCE_INVESTMENT",
                  "BANKFINANCE_OTHER",
                  "SERVICES",
                  "SERVICES_PROFESSIONAL",
                  "SERVICES_ONLINE"
                ],
                "items": {
                  "type": "string"
                },
                "type": "array"
              },
              "creditorId": {
                "description": "creditor id of the business partner",
                "example": "DEZZZ00000012345",
                "type": "string"
              },
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "BANKSapi",
                "type": "string"
              },
              "group": {
                "description": "Group the business partner belongs to.",
                "example": "Finconomy AG",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 262,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "BANKSapi Technology GmbH",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              },
              "telephone": {
                "description": "Telephone of the business partner",
                "example": "+49 (0)89 121 408 82",
                "type": "string"
              },
              "website": {
                "description": "Website of the business partner",
                "example": "www.banksapi.de",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemCategory": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemInsuranceType": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          },
          "tagTreeItemPeriod": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          }
        },
        "required": [
          "amountMean",
          "id",
          "status",
          "tagTreeItemBusinessPartner",
          "tagTreeItemCategory",
          "tagTreeItemPeriod"
        ],
        "type": "object"
      },
      "type": "array"
    }
  },
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
conflictingEvents	[life_event_tag_instance_schema]	false	none	The life events that caused the stage to be ambiguous. If the absence of events causes the inconsistency, the list will be empty.
conflictingStages	[tag_tree_item_schema]	false	none	The life stages that caused the stage to be ambiguous
contractDetails	[contract_details_schema]	false	none	The contracts that caused the detection of a life stage

life_stage_tag_instance_details_schema

{
  "properties": {
    "explanation": {
      "allOf": [
        {
          "properties": {
            "conflictingEvents": {
              "description": "The life events that caused the stage to be ambiguous. If the absence of events causes the inconsistency, the list will be empty.",
              "items": {
                "properties": {
                  "details": {
                    "properties": {
                      "eventDate": {
                        "description": "Date of the event",
                        "example": "2019-05-03",
                        "format": "date",
                        "type": "string"
                      }
                    },
                    "required": [
                      "eventDate"
                    ],
                    "type": "object"
                  },
                  "entity": {
                    "properties": {
                      "displayName": {
                        "description": "Display name of the entity",
                        "example": "Kontoumsatz",
                        "type": "string"
                      },
                      "entityClass": {
                        "description": "Class of the entity, such as TRANSACTION or USER",
                        "example": "TRANSACTION",
                        "type": "string"
                      },
                      "id": {
                        "description": "Transaction UUID or USER UUID.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      },
                      "userId": {
                        "description": "UUID of the USER. Same as id field for USER entities.",
                        "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "entityClass",
                      "id"
                    ],
                    "type": "object"
                  },
                  "id": {
                    "description": "Unique Universal Identifier (UUID)",
                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                    "type": "string"
                  },
                  "relations": {
                    "description": "List of relations",
                    "items": {
                      "properties": {
                        "href": {
                          "description": "Link of the relation",
                          "example": "https://banksapi.io/tags/tag-trees/",
                          "type": "string"
                        },
                        "rel": {
                          "description": "Name of the relation",
                          "example": "tag_trees",
                          "type": "string"
                        }
                      },
                      "required": [
                        "href",
                        "rel"
                      ],
                      "type": "object"
                    },
                    "type": "array"
                  },
                  "tagTreeItem": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "domain": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tagTreeItem",
                                "example": "Expenses from daily grocery purchases",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Groceries",
                                "type": "string"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree item",
                                "example": 17,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree item",
                                "example": "LIVING_GROCERIES",
                                "type": "string"
                              },
                              "systemNameParent": {
                                "description": "Unique name of the parent of the tagTreeItem",
                                "example": "LIVING",
                                "type": "string"
                              },
                              "tagTree": {
                                "allOf": [
                                  {
                                    "properties": {
                                      "description": {
                                        "description": "Gives a description of the tag tree",
                                        "example": "Detailed inusrance categories.",
                                        "type": "string"
                                      },
                                      "displayName": {
                                        "description": "User-friendly name shown to the end-users",
                                        "example": "Kategorien",
                                        "type": "string"
                                      },
                                      "isTenantGenerated": {
                                        "description": "Boolean flag, set TRUE if the tag was manually set",
                                        "example": true,
                                        "type": "boolean"
                                      },
                                      "systemId": {
                                        "description": "Unique internal id of the tag tree",
                                        "example": 1,
                                        "type": "integer"
                                      },
                                      "systemName": {
                                        "description": "Unique name of the tag tree",
                                        "example": "CATEGORIES",
                                        "type": "string"
                                      },
                                      "version": {
                                        "description": "Version of the tag tree",
                                        "example": 1.5,
                                        "minimum": 0,
                                        "type": "number"
                                      }
                                    },
                                    "required": [
                                      "displayName",
                                      "isTenantGenerated",
                                      "systemId",
                                      "systemName",
                                      "version"
                                    ],
                                    "type": "object"
                                  }
                                ],
                                "description": "tagTree that the tagTreeItem belongs to"
                              }
                            },
                            "required": [
                              "displayName",
                              "systemId",
                              "systemName",
                              "tagTree"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "Life domain this tag belongs to"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "domain",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                },
                "required": [
                  "details",
                  "entity",
                  "id",
                  "tagTreeItem"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "conflictingStages": {
              "description": "The life stages that caused the stage to be ambiguous",
              "items": {
                "properties": {
                  "description": {
                    "description": "Gives a description of the tagTreeItem",
                    "example": "Expenses from daily grocery purchases",
                    "type": "string"
                  },
                  "displayName": {
                    "description": "User-friendly name shown to the end-users",
                    "example": "Groceries",
                    "type": "string"
                  },
                  "systemId": {
                    "description": "Unique internal id of the tag tree item",
                    "example": 17,
                    "type": "integer"
                  },
                  "systemName": {
                    "description": "Unique name of the tag tree item",
                    "example": "LIVING_GROCERIES",
                    "type": "string"
                  },
                  "systemNameParent": {
                    "description": "Unique name of the parent of the tagTreeItem",
                    "example": "LIVING",
                    "type": "string"
                  },
                  "tagTree": {
                    "allOf": [
                      {
                        "properties": {
                          "description": {
                            "description": "Gives a description of the tag tree",
                            "example": "Detailed inusrance categories.",
                            "type": "string"
                          },
                          "displayName": {
                            "description": "User-friendly name shown to the end-users",
                            "example": "Kategorien",
                            "type": "string"
                          },
                          "isTenantGenerated": {
                            "description": "Boolean flag, set TRUE if the tag was manually set",
                            "example": true,
                            "type": "boolean"
                          },
                          "systemId": {
                            "description": "Unique internal id of the tag tree",
                            "example": 1,
                            "type": "integer"
                          },
                          "systemName": {
                            "description": "Unique name of the tag tree",
                            "example": "CATEGORIES",
                            "type": "string"
                          },
                          "version": {
                            "description": "Version of the tag tree",
                            "example": 1.5,
                            "minimum": 0,
                            "type": "number"
                          }
                        },
                        "required": [
                          "displayName",
                          "isTenantGenerated",
                          "systemId",
                          "systemName",
                          "version"
                        ],
                        "type": "object"
                      }
                    ],
                    "description": "tagTree that the tagTreeItem belongs to"
                  }
                },
                "required": [
                  "displayName",
                  "systemId",
                  "systemName",
                  "tagTree"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "contractDetails": {
              "description": "The contracts that caused the detection of a life stage",
              "items": {
                "properties": {
                  "amountMean": {
                    "description": "Mean payment among contract payments",
                    "example": "21.35",
                    "type": "number"
                  },
                  "customName": {
                    "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                    "example": "Allianz",
                    "type": "string"
                  },
                  "id": {
                    "description": "Unique Universal Identifier (UUID)",
                    "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                    "type": "string"
                  },
                  "status": {
                    "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                    "example": "NOT_ACTIVE",
                    "type": "string"
                  },
                  "tagTreeItemBusinessPartner": {
                    "properties": {
                      "addressCity": {
                        "description": "Address city of the business partner",
                        "example": "München",
                        "type": "string"
                      },
                      "addressCountry": {
                        "description": "Address country of the business partner",
                        "example": "Deutschland",
                        "type": "string"
                      },
                      "addressStreet": {
                        "description": "Address street incl. number of the business partner",
                        "example": "Lyonel-Feininger-Straße 28",
                        "type": "string"
                      },
                      "addressZip": {
                        "description": "Address zip/postal code of the business partner",
                        "example": " 80807",
                        "type": "string"
                      },
                      "categories": {
                        "description": "Categories the business partner belongs to.",
                        "example": [
                          "BANKFINANCE",
                          "BANKFINANCE_INVESTMENT",
                          "BANKFINANCE_OTHER",
                          "SERVICES",
                          "SERVICES_PROFESSIONAL",
                          "SERVICES_ONLINE"
                        ],
                        "items": {
                          "type": "string"
                        },
                        "type": "array"
                      },
                      "creditorId": {
                        "description": "creditor id of the business partner",
                        "example": "DEZZZ00000012345",
                        "type": "string"
                      },
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "BANKSapi",
                        "type": "string"
                      },
                      "group": {
                        "description": "Group the business partner belongs to.",
                        "example": "Finconomy AG",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 262,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "BANKSapi Technology GmbH",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      },
                      "telephone": {
                        "description": "Telephone of the business partner",
                        "example": "+49 (0)89 121 408 82",
                        "type": "string"
                      },
                      "website": {
                        "description": "Website of the business partner",
                        "example": "www.banksapi.de",
                        "type": "string"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemCategory": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemInsuranceType": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "tagTreeItemPeriod": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  }
                },
                "required": [
                  "amountMean",
                  "id",
                  "status",
                  "tagTreeItemBusinessPartner",
                  "tagTreeItemCategory",
                  "tagTreeItemPeriod"
                ],
                "type": "object"
              },
              "type": "array"
            }
          },
          "type": "object"
        }
      ],
      "description": "An explanation for how the life stage was detected."
    }
  },
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
explanation	life_stage_explanation_schema	false	none	An explanation for how the life stage was detected.

life_stage_tag_instance_schema

{
  "properties": {
    "details": {
      "properties": {
        "explanation": {
          "allOf": [
            {
              "properties": {
                "conflictingEvents": {
                  "description": "The life events that caused the stage to be ambiguous. If the absence of events causes the inconsistency, the list will be empty.",
                  "items": {
                    "properties": {
                      "details": {
                        "properties": {
                          "eventDate": {
                            "description": "Date of the event",
                            "example": "2019-05-03",
                            "format": "date",
                            "type": "string"
                          }
                        },
                        "required": [
                          "eventDate"
                        ],
                        "type": "object"
                      },
                      "entity": {
                        "properties": {
                          "displayName": {
                            "description": "Display name of the entity",
                            "example": "Kontoumsatz",
                            "type": "string"
                          },
                          "entityClass": {
                            "description": "Class of the entity, such as TRANSACTION or USER",
                            "example": "TRANSACTION",
                            "type": "string"
                          },
                          "id": {
                            "description": "Transaction UUID or USER UUID.",
                            "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          },
                          "userId": {
                            "description": "UUID of the USER. Same as id field for USER entities.",
                            "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                            "type": "string"
                          }
                        },
                        "required": [
                          "displayName",
                          "entityClass",
                          "id"
                        ],
                        "type": "object"
                      },
                      "id": {
                        "description": "Unique Universal Identifier (UUID)",
                        "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      },
                      "relations": {
                        "description": "List of relations",
                        "items": {
                          "properties": {
                            "href": {
                              "description": "Link of the relation",
                              "example": "https://banksapi.io/tags/tag-trees/",
                              "type": "string"
                            },
                            "rel": {
                              "description": "Name of the relation",
                              "example": "tag_trees",
                              "type": "string"
                            }
                          },
                          "required": [
                            "href",
                            "rel"
                          ],
                          "type": "object"
                        },
                        "type": "array"
                      },
                      "tagTreeItem": {
                        "properties": {
                          "description": {
                            "description": "Gives a description of the tagTreeItem",
                            "example": "Expenses from daily grocery purchases",
                            "type": "string"
                          },
                          "displayName": {
                            "description": "User-friendly name shown to the end-users",
                            "example": "Groceries",
                            "type": "string"
                          },
                          "domain": {
                            "allOf": [
                              {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tagTreeItem",
                                    "example": "Expenses from daily grocery purchases",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Groceries",
                                    "type": "string"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree item",
                                    "example": 17,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree item",
                                    "example": "LIVING_GROCERIES",
                                    "type": "string"
                                  },
                                  "systemNameParent": {
                                    "description": "Unique name of the parent of the tagTreeItem",
                                    "example": "LIVING",
                                    "type": "string"
                                  },
                                  "tagTree": {
                                    "allOf": [
                                      {
                                        "properties": {
                                          "description": {
                                            "description": "Gives a description of the tag tree",
                                            "example": "Detailed inusrance categories.",
                                            "type": "string"
                                          },
                                          "displayName": {
                                            "description": "User-friendly name shown to the end-users",
                                            "example": "Kategorien",
                                            "type": "string"
                                          },
                                          "isTenantGenerated": {
                                            "description": "Boolean flag, set TRUE if the tag was manually set",
                                            "example": true,
                                            "type": "boolean"
                                          },
                                          "systemId": {
                                            "description": "Unique internal id of the tag tree",
                                            "example": 1,
                                            "type": "integer"
                                          },
                                          "systemName": {
                                            "description": "Unique name of the tag tree",
                                            "example": "CATEGORIES",
                                            "type": "string"
                                          },
                                          "version": {
                                            "description": "Version of the tag tree",
                                            "example": 1.5,
                                            "minimum": 0,
                                            "type": "number"
                                          }
                                        },
                                        "required": [
                                          "displayName",
                                          "isTenantGenerated",
                                          "systemId",
                                          "systemName",
                                          "version"
                                        ],
                                        "type": "object"
                                      }
                                    ],
                                    "description": "tagTree that the tagTreeItem belongs to"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "systemId",
                                  "systemName",
                                  "tagTree"
                                ],
                                "type": "object"
                              }
                            ],
                            "description": "Life domain this tag belongs to"
                          },
                          "systemId": {
                            "description": "Unique internal id of the tag tree item",
                            "example": 17,
                            "type": "integer"
                          },
                          "systemName": {
                            "description": "Unique name of the tag tree item",
                            "example": "LIVING_GROCERIES",
                            "type": "string"
                          },
                          "tagTree": {
                            "allOf": [
                              {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tag tree",
                                    "example": "Detailed inusrance categories.",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Kategorien",
                                    "type": "string"
                                  },
                                  "isTenantGenerated": {
                                    "description": "Boolean flag, set TRUE if the tag was manually set",
                                    "example": true,
                                    "type": "boolean"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree",
                                    "example": 1,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree",
                                    "example": "CATEGORIES",
                                    "type": "string"
                                  },
                                  "version": {
                                    "description": "Version of the tag tree",
                                    "example": 1.5,
                                    "minimum": 0,
                                    "type": "number"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "isTenantGenerated",
                                  "systemId",
                                  "systemName",
                                  "version"
                                ],
                                "type": "object"
                              }
                            ],
                            "description": "tagTree that the tagTreeItem belongs to"
                          }
                        },
                        "required": [
                          "displayName",
                          "domain",
                          "systemId",
                          "systemName",
                          "tagTree"
                        ],
                        "type": "object"
                      }
                    },
                    "required": [
                      "details",
                      "entity",
                      "id",
                      "tagTreeItem"
                    ],
                    "type": "object"
                  },
                  "type": "array"
                },
                "conflictingStages": {
                  "description": "The life stages that caused the stage to be ambiguous",
                  "items": {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tagTreeItem",
                        "example": "Expenses from daily grocery purchases",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Groceries",
                        "type": "string"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree item",
                        "example": 17,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree item",
                        "example": "LIVING_GROCERIES",
                        "type": "string"
                      },
                      "systemNameParent": {
                        "description": "Unique name of the parent of the tagTreeItem",
                        "example": "LIVING",
                        "type": "string"
                      },
                      "tagTree": {
                        "allOf": [
                          {
                            "properties": {
                              "description": {
                                "description": "Gives a description of the tag tree",
                                "example": "Detailed inusrance categories.",
                                "type": "string"
                              },
                              "displayName": {
                                "description": "User-friendly name shown to the end-users",
                                "example": "Kategorien",
                                "type": "string"
                              },
                              "isTenantGenerated": {
                                "description": "Boolean flag, set TRUE if the tag was manually set",
                                "example": true,
                                "type": "boolean"
                              },
                              "systemId": {
                                "description": "Unique internal id of the tag tree",
                                "example": 1,
                                "type": "integer"
                              },
                              "systemName": {
                                "description": "Unique name of the tag tree",
                                "example": "CATEGORIES",
                                "type": "string"
                              },
                              "version": {
                                "description": "Version of the tag tree",
                                "example": 1.5,
                                "minimum": 0,
                                "type": "number"
                              }
                            },
                            "required": [
                              "displayName",
                              "isTenantGenerated",
                              "systemId",
                              "systemName",
                              "version"
                            ],
                            "type": "object"
                          }
                        ],
                        "description": "tagTree that the tagTreeItem belongs to"
                      }
                    },
                    "required": [
                      "displayName",
                      "systemId",
                      "systemName",
                      "tagTree"
                    ],
                    "type": "object"
                  },
                  "type": "array"
                },
                "contractDetails": {
                  "description": "The contracts that caused the detection of a life stage",
                  "items": {
                    "properties": {
                      "amountMean": {
                        "description": "Mean payment among contract payments",
                        "example": "21.35",
                        "type": "number"
                      },
                      "customName": {
                        "description": "If there is no listed business partner found, a custom name is tried to be extracted from the transaction.",
                        "example": "Allianz",
                        "type": "string"
                      },
                      "id": {
                        "description": "Unique Universal Identifier (UUID)",
                        "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                        "type": "string"
                      },
                      "status": {
                        "description": "Status of contract (ACTIVE or NOT_ACTIVE)",
                        "example": "NOT_ACTIVE",
                        "type": "string"
                      },
                      "tagTreeItemBusinessPartner": {
                        "properties": {
                          "addressCity": {
                            "description": "Address city of the business partner",
                            "example": "München",
                            "type": "string"
                          },
                          "addressCountry": {
                            "description": "Address country of the business partner",
                            "example": "Deutschland",
                            "type": "string"
                          },
                          "addressStreet": {
                            "description": "Address street incl. number of the business partner",
                            "example": "Lyonel-Feininger-Straße 28",
                            "type": "string"
                          },
                          "addressZip": {
                            "description": "Address zip/postal code of the business partner",
                            "example": " 80807",
                            "type": "string"
                          },
                          "categories": {
                            "description": "Categories the business partner belongs to.",
                            "example": [
                              "BANKFINANCE",
                              "BANKFINANCE_INVESTMENT",
                              "BANKFINANCE_OTHER",
                              "SERVICES",
                              "SERVICES_PROFESSIONAL",
                              "SERVICES_ONLINE"
                            ],
                            "items": {
                              "type": "string"
                            },
                            "type": "array"
                          },
                          "creditorId": {
                            "description": "creditor id of the business partner",
                            "example": "DEZZZ00000012345",
                            "type": "string"
                          },
                          "description": {
                            "description": "Gives a description of the tagTreeItem",
                            "example": "Expenses from daily grocery purchases",
                            "type": "string"
                          },
                          "displayName": {
                            "description": "User-friendly name shown to the end-users",
                            "example": "BANKSapi",
                            "type": "string"
                          },
                          "group": {
                            "description": "Group the business partner belongs to.",
                            "example": "Finconomy AG",
                            "type": "string"
                          },
                          "systemId": {
                            "description": "Unique internal id of the tag tree item",
                            "example": 262,
                            "type": "integer"
                          },
                          "systemName": {
                            "description": "Unique name of the tag tree item",
                            "example": "BANKSapi Technology GmbH",
                            "type": "string"
                          },
                          "tagTree": {
                            "allOf": [
                              {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tag tree",
                                    "example": "Detailed inusrance categories.",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Kategorien",
                                    "type": "string"
                                  },
                                  "isTenantGenerated": {
                                    "description": "Boolean flag, set TRUE if the tag was manually set",
                                    "example": true,
                                    "type": "boolean"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree",
                                    "example": 1,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree",
                                    "example": "CATEGORIES",
                                    "type": "string"
                                  },
                                  "version": {
                                    "description": "Version of the tag tree",
                                    "example": 1.5,
                                    "minimum": 0,
                                    "type": "number"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "isTenantGenerated",
                                  "systemId",
                                  "systemName",
                                  "version"
                                ],
                                "type": "object"
                              }
                            ],
                            "description": "tagTree that the tagTreeItem belongs to"
                          },
                          "telephone": {
                            "description": "Telephone of the business partner",
                            "example": "+49 (0)89 121 408 82",
                            "type": "string"
                          },
                          "website": {
                            "description": "Website of the business partner",
                            "example": "www.banksapi.de",
                            "type": "string"
                          }
                        },
                        "required": [
                          "displayName",
                          "systemId",
                          "systemName",
                          "tagTree"
                        ],
                        "type": "object"
                      },
                      "tagTreeItemCategory": {
                        "properties": {
                          "description": {
                            "description": "Gives a description of the tagTreeItem",
                            "example": "Expenses from daily grocery purchases",
                            "type": "string"
                          },
                          "displayName": {
                            "description": "User-friendly name shown to the end-users",
                            "example": "Groceries",
                            "type": "string"
                          },
                          "systemId": {
                            "description": "Unique internal id of the tag tree item",
                            "example": 17,
                            "type": "integer"
                          },
                          "systemName": {
                            "description": "Unique name of the tag tree item",
                            "example": "LIVING_GROCERIES",
                            "type": "string"
                          },
                          "systemNameParent": {
                            "description": "Unique name of the parent of the tagTreeItem",
                            "example": "LIVING",
                            "type": "string"
                          },
                          "tagTree": {
                            "allOf": [
                              {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tag tree",
                                    "example": "Detailed inusrance categories.",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Kategorien",
                                    "type": "string"
                                  },
                                  "isTenantGenerated": {
                                    "description": "Boolean flag, set TRUE if the tag was manually set",
                                    "example": true,
                                    "type": "boolean"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree",
                                    "example": 1,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree",
                                    "example": "CATEGORIES",
                                    "type": "string"
                                  },
                                  "version": {
                                    "description": "Version of the tag tree",
                                    "example": 1.5,
                                    "minimum": 0,
                                    "type": "number"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "isTenantGenerated",
                                  "systemId",
                                  "systemName",
                                  "version"
                                ],
                                "type": "object"
                              }
                            ],
                            "description": "tagTree that the tagTreeItem belongs to"
                          }
                        },
                        "required": [
                          "displayName",
                          "systemId",
                          "systemName",
                          "tagTree"
                        ],
                        "type": "object"
                      },
                      "tagTreeItemInsuranceType": {
                        "properties": {
                          "description": {
                            "description": "Gives a description of the tagTreeItem",
                            "example": "Expenses from daily grocery purchases",
                            "type": "string"
                          },
                          "displayName": {
                            "description": "User-friendly name shown to the end-users",
                            "example": "Groceries",
                            "type": "string"
                          },
                          "systemId": {
                            "description": "Unique internal id of the tag tree item",
                            "example": 17,
                            "type": "integer"
                          },
                          "systemName": {
                            "description": "Unique name of the tag tree item",
                            "example": "LIVING_GROCERIES",
                            "type": "string"
                          },
                          "systemNameParent": {
                            "description": "Unique name of the parent of the tagTreeItem",
                            "example": "LIVING",
                            "type": "string"
                          },
                          "tagTree": {
                            "allOf": [
                              {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tag tree",
                                    "example": "Detailed inusrance categories.",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Kategorien",
                                    "type": "string"
                                  },
                                  "isTenantGenerated": {
                                    "description": "Boolean flag, set TRUE if the tag was manually set",
                                    "example": true,
                                    "type": "boolean"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree",
                                    "example": 1,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree",
                                    "example": "CATEGORIES",
                                    "type": "string"
                                  },
                                  "version": {
                                    "description": "Version of the tag tree",
                                    "example": 1.5,
                                    "minimum": 0,
                                    "type": "number"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "isTenantGenerated",
                                  "systemId",
                                  "systemName",
                                  "version"
                                ],
                                "type": "object"
                              }
                            ],
                            "description": "tagTree that the tagTreeItem belongs to"
                          }
                        },
                        "required": [
                          "displayName",
                          "systemId",
                          "systemName",
                          "tagTree"
                        ],
                        "type": "object"
                      },
                      "tagTreeItemPeriod": {
                        "properties": {
                          "description": {
                            "description": "Gives a description of the tagTreeItem",
                            "example": "Expenses from daily grocery purchases",
                            "type": "string"
                          },
                          "displayName": {
                            "description": "User-friendly name shown to the end-users",
                            "example": "Groceries",
                            "type": "string"
                          },
                          "systemId": {
                            "description": "Unique internal id of the tag tree item",
                            "example": 17,
                            "type": "integer"
                          },
                          "systemName": {
                            "description": "Unique name of the tag tree item",
                            "example": "LIVING_GROCERIES",
                            "type": "string"
                          },
                          "systemNameParent": {
                            "description": "Unique name of the parent of the tagTreeItem",
                            "example": "LIVING",
                            "type": "string"
                          },
                          "tagTree": {
                            "allOf": [
                              {
                                "properties": {
                                  "description": {
                                    "description": "Gives a description of the tag tree",
                                    "example": "Detailed inusrance categories.",
                                    "type": "string"
                                  },
                                  "displayName": {
                                    "description": "User-friendly name shown to the end-users",
                                    "example": "Kategorien",
                                    "type": "string"
                                  },
                                  "isTenantGenerated": {
                                    "description": "Boolean flag, set TRUE if the tag was manually set",
                                    "example": true,
                                    "type": "boolean"
                                  },
                                  "systemId": {
                                    "description": "Unique internal id of the tag tree",
                                    "example": 1,
                                    "type": "integer"
                                  },
                                  "systemName": {
                                    "description": "Unique name of the tag tree",
                                    "example": "CATEGORIES",
                                    "type": "string"
                                  },
                                  "version": {
                                    "description": "Version of the tag tree",
                                    "example": 1.5,
                                    "minimum": 0,
                                    "type": "number"
                                  }
                                },
                                "required": [
                                  "displayName",
                                  "isTenantGenerated",
                                  "systemId",
                                  "systemName",
                                  "version"
                                ],
                                "type": "object"
                              }
                            ],
                            "description": "tagTree that the tagTreeItem belongs to"
                          }
                        },
                        "required": [
                          "displayName",
                          "systemId",
                          "systemName",
                          "tagTree"
                        ],
                        "type": "object"
                      }
                    },
                    "required": [
                      "amountMean",
                      "id",
                      "status",
                      "tagTreeItemBusinessPartner",
                      "tagTreeItemCategory",
                      "tagTreeItemPeriod"
                    ],
                    "type": "object"
                  },
                  "type": "array"
                }
              },
              "type": "object"
            }
          ],
          "description": "An explanation for how the life stage was detected."
        }
      },
      "type": "object"
    },
    "entity": {
      "properties": {
        "displayName": {
          "description": "Display name of the entity",
          "example": "Kontoumsatz",
          "type": "string"
        },
        "entityClass": {
          "description": "Class of the entity, such as TRANSACTION or USER",
          "example": "TRANSACTION",
          "type": "string"
        },
        "id": {
          "description": "Transaction UUID or USER UUID.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        },
        "userId": {
          "description": "UUID of the USER. Same as id field for USER entities.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        }
      },
      "required": [
        "displayName",
        "entityClass",
        "id"
      ],
      "type": "object"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "relations": {
      "description": "List of relations",
      "items": {
        "properties": {
          "href": {
            "description": "Link of the relation",
            "example": "https://banksapi.io/tags/tag-trees/",
            "type": "string"
          },
          "rel": {
            "description": "Name of the relation",
            "example": "tag_trees",
            "type": "string"
          }
        },
        "required": [
          "href",
          "rel"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "tagTreeItem": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "domain": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tagTreeItem",
                  "example": "Expenses from daily grocery purchases",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Groceries",
                  "type": "string"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree item",
                  "example": 17,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree item",
                  "example": "LIVING_GROCERIES",
                  "type": "string"
                },
                "systemNameParent": {
                  "description": "Unique name of the parent of the tagTreeItem",
                  "example": "LIVING",
                  "type": "string"
                },
                "tagTree": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tag tree",
                          "example": "Detailed inusrance categories.",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Kategorien",
                          "type": "string"
                        },
                        "isTenantGenerated": {
                          "description": "Boolean flag, set TRUE if the tag was manually set",
                          "example": true,
                          "type": "boolean"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree",
                          "example": 1,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree",
                          "example": "CATEGORIES",
                          "type": "string"
                        },
                        "version": {
                          "description": "Version of the tag tree",
                          "example": 1.5,
                          "minimum": 0,
                          "type": "number"
                        }
                      },
                      "required": [
                        "displayName",
                        "isTenantGenerated",
                        "systemId",
                        "systemName",
                        "version"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "tagTree that the tagTreeItem belongs to"
                }
              },
              "required": [
                "displayName",
                "systemId",
                "systemName",
                "tagTree"
              ],
              "type": "object"
            }
          ],
          "description": "Life domain this tag belongs to"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "domain",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    }
  },
  "required": [
    "entity",
    "id",
    "tagTreeItem"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
details	life_stage_tag_instance_details_schema	false	none	none
entity	entity_schema	true	none	none
id	string	true	none	Unique Universal Identifier (UUID)
relations	[relation_schema]	false	none	List of relations
tagTreeItem	life_tag_tree_item_schema	true	none	none

life_tag_tree_item_schema

{
  "properties": {
    "description": {
      "description": "Gives a description of the tagTreeItem",
      "example": "Expenses from daily grocery purchases",
      "type": "string"
    },
    "displayName": {
      "description": "User-friendly name shown to the end-users",
      "example": "Groceries",
      "type": "string"
    },
    "domain": {
      "allOf": [
        {
          "properties": {
            "description": {
              "description": "Gives a description of the tagTreeItem",
              "example": "Expenses from daily grocery purchases",
              "type": "string"
            },
            "displayName": {
              "description": "User-friendly name shown to the end-users",
              "example": "Groceries",
              "type": "string"
            },
            "systemId": {
              "description": "Unique internal id of the tag tree item",
              "example": 17,
              "type": "integer"
            },
            "systemName": {
              "description": "Unique name of the tag tree item",
              "example": "LIVING_GROCERIES",
              "type": "string"
            },
            "systemNameParent": {
              "description": "Unique name of the parent of the tagTreeItem",
              "example": "LIVING",
              "type": "string"
            },
            "tagTree": {
              "allOf": [
                {
                  "properties": {
                    "description": {
                      "description": "Gives a description of the tag tree",
                      "example": "Detailed inusrance categories.",
                      "type": "string"
                    },
                    "displayName": {
                      "description": "User-friendly name shown to the end-users",
                      "example": "Kategorien",
                      "type": "string"
                    },
                    "isTenantGenerated": {
                      "description": "Boolean flag, set TRUE if the tag was manually set",
                      "example": true,
                      "type": "boolean"
                    },
                    "systemId": {
                      "description": "Unique internal id of the tag tree",
                      "example": 1,
                      "type": "integer"
                    },
                    "systemName": {
                      "description": "Unique name of the tag tree",
                      "example": "CATEGORIES",
                      "type": "string"
                    },
                    "version": {
                      "description": "Version of the tag tree",
                      "example": 1.5,
                      "minimum": 0,
                      "type": "number"
                    }
                  },
                  "required": [
                    "displayName",
                    "isTenantGenerated",
                    "systemId",
                    "systemName",
                    "version"
                  ],
                  "type": "object"
                }
              ],
              "description": "tagTree that the tagTreeItem belongs to"
            }
          },
          "required": [
            "displayName",
            "systemId",
            "systemName",
            "tagTree"
          ],
          "type": "object"
        }
      ],
      "description": "Life domain this tag belongs to"
    },
    "systemId": {
      "description": "Unique internal id of the tag tree item",
      "example": 17,
      "type": "integer"
    },
    "systemName": {
      "description": "Unique name of the tag tree item",
      "example": "LIVING_GROCERIES",
      "type": "string"
    },
    "tagTree": {
      "allOf": [
        {
          "properties": {
            "description": {
              "description": "Gives a description of the tag tree",
              "example": "Detailed inusrance categories.",
              "type": "string"
            },
            "displayName": {
              "description": "User-friendly name shown to the end-users",
              "example": "Kategorien",
              "type": "string"
            },
            "isTenantGenerated": {
              "description": "Boolean flag, set TRUE if the tag was manually set",
              "example": true,
              "type": "boolean"
            },
            "systemId": {
              "description": "Unique internal id of the tag tree",
              "example": 1,
              "type": "integer"
            },
            "systemName": {
              "description": "Unique name of the tag tree",
              "example": "CATEGORIES",
              "type": "string"
            },
            "version": {
              "description": "Version of the tag tree",
              "example": 1.5,
              "minimum": 0,
              "type": "number"
            }
          },
          "required": [
            "displayName",
            "isTenantGenerated",
            "systemId",
            "systemName",
            "version"
          ],
          "type": "object"
        }
      ],
      "description": "tagTree that the tagTreeItem belongs to"
    }
  },
  "required": [
    "displayName",
    "domain",
    "systemId",
    "systemName",
    "tagTree"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
description	string	false	none	Gives a description of the tagTreeItem
displayName	string	true	none	User-friendly name shown to the end-users
domain	tag_tree_item_schema	true	none	Life domain this tag belongs to
systemId	integer	true	none	Unique internal id of the tag tree item
systemName	string	true	none	Unique name of the tag tree item
tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to

output_transaction_schema

{
  "properties": {
    "amount": {
      "description": "Amount in Euros",
      "example": -5.67,
      "type": "number"
    },
    "id": {
      "description": "ID of the transaction",
      "example": "57624057-11bf-4087-b16a-dc1a7525d3b5",
      "type": "string"
    },
    "postingDatetime": {
      "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM:SS format",
      "example": "2020-01-15 09:00:00",
      "format": "date-time",
      "type": "string"
    },
    "product": {
      "description": "ID of the banking product to which the transaction belongs",
      "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
      "type": "string"
    },
    "provider": {
      "description": "ID of the bank/service provider to which the transaction belongs",
      "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
      "type": "string"
    },
    "tags": {
      "allOf": [
        {
          "properties": {
            "businessPartner": {
              "allOf": [
                {
                  "properties": {
                    "entity": {
                      "properties": {
                        "displayName": {
                          "description": "Display name of the entity",
                          "example": "Kontoumsatz",
                          "type": "string"
                        },
                        "entityClass": {
                          "description": "Class of the entity, such as TRANSACTION or USER",
                          "example": "TRANSACTION",
                          "type": "string"
                        },
                        "id": {
                          "description": "Transaction UUID or USER UUID.",
                          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "type": "string"
                        },
                        "userId": {
                          "description": "UUID of the USER. Same as id field for USER entities.",
                          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "type": "string"
                        }
                      },
                      "required": [
                        "displayName",
                        "entityClass",
                        "id"
                      ],
                      "type": "object"
                    },
                    "id": {
                      "description": "Unique Universal Identifier (UUID)",
                      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                      "type": "string"
                    },
                    "relations": {
                      "description": "List of relations",
                      "items": {
                        "properties": {
                          "href": {
                            "description": "Link of the relation",
                            "example": "https://banksapi.io/tags/tag-trees/",
                            "type": "string"
                          },
                          "rel": {
                            "description": "Name of the relation",
                            "example": "tag_trees",
                            "type": "string"
                          }
                        },
                        "required": [
                          "href",
                          "rel"
                        ],
                        "type": "object"
                      },
                      "type": "array"
                    },
                    "tagTreeItem": {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tagTreeItem",
                          "example": "Expenses from daily grocery purchases",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Groceries",
                          "type": "string"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree item",
                          "example": 17,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree item",
                          "example": "LIVING_GROCERIES",
                          "type": "string"
                        },
                        "systemNameParent": {
                          "description": "Unique name of the parent of the tagTreeItem",
                          "example": "LIVING",
                          "type": "string"
                        },
                        "tagTree": {
                          "allOf": [
                            {
                              "properties": {
                                "description": {
                                  "description": "Gives a description of the tag tree",
                                  "example": "Detailed inusrance categories.",
                                  "type": "string"
                                },
                                "displayName": {
                                  "description": "User-friendly name shown to the end-users",
                                  "example": "Kategorien",
                                  "type": "string"
                                },
                                "isTenantGenerated": {
                                  "description": "Boolean flag, set TRUE if the tag was manually set",
                                  "example": true,
                                  "type": "boolean"
                                },
                                "systemId": {
                                  "description": "Unique internal id of the tag tree",
                                  "example": 1,
                                  "type": "integer"
                                },
                                "systemName": {
                                  "description": "Unique name of the tag tree",
                                  "example": "CATEGORIES",
                                  "type": "string"
                                },
                                "version": {
                                  "description": "Version of the tag tree",
                                  "example": 1.5,
                                  "minimum": 0,
                                  "type": "number"
                                }
                              },
                              "required": [
                                "displayName",
                                "isTenantGenerated",
                                "systemId",
                                "systemName",
                                "version"
                              ],
                              "type": "object"
                            }
                          ],
                          "description": "tagTree that the tagTreeItem belongs to"
                        }
                      },
                      "required": [
                        "displayName",
                        "systemId",
                        "systemName",
                        "tagTree"
                      ],
                      "type": "object"
                    }
                  },
                  "required": [
                    "entity",
                    "id",
                    "tagTreeItem"
                  ],
                  "type": "object"
                }
              ],
              "description": "The business partner tag assigned to the transaction"
            },
            "category": {
              "allOf": [
                {
                  "properties": {
                    "entity": {
                      "properties": {
                        "displayName": {
                          "description": "Display name of the entity",
                          "example": "Kontoumsatz",
                          "type": "string"
                        },
                        "entityClass": {
                          "description": "Class of the entity, such as TRANSACTION or USER",
                          "example": "TRANSACTION",
                          "type": "string"
                        },
                        "id": {
                          "description": "Transaction UUID or USER UUID.",
                          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "type": "string"
                        },
                        "userId": {
                          "description": "UUID of the USER. Same as id field for USER entities.",
                          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "type": "string"
                        }
                      },
                      "required": [
                        "displayName",
                        "entityClass",
                        "id"
                      ],
                      "type": "object"
                    },
                    "id": {
                      "description": "Unique Universal Identifier (UUID)",
                      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                      "type": "string"
                    },
                    "relations": {
                      "description": "List of relations",
                      "items": {
                        "properties": {
                          "href": {
                            "description": "Link of the relation",
                            "example": "https://banksapi.io/tags/tag-trees/",
                            "type": "string"
                          },
                          "rel": {
                            "description": "Name of the relation",
                            "example": "tag_trees",
                            "type": "string"
                          }
                        },
                        "required": [
                          "href",
                          "rel"
                        ],
                        "type": "object"
                      },
                      "type": "array"
                    },
                    "tagTreeItem": {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tagTreeItem",
                          "example": "Expenses from daily grocery purchases",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Groceries",
                          "type": "string"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree item",
                          "example": 17,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree item",
                          "example": "LIVING_GROCERIES",
                          "type": "string"
                        },
                        "systemNameParent": {
                          "description": "Unique name of the parent of the tagTreeItem",
                          "example": "LIVING",
                          "type": "string"
                        },
                        "tagTree": {
                          "allOf": [
                            {
                              "properties": {
                                "description": {
                                  "description": "Gives a description of the tag tree",
                                  "example": "Detailed inusrance categories.",
                                  "type": "string"
                                },
                                "displayName": {
                                  "description": "User-friendly name shown to the end-users",
                                  "example": "Kategorien",
                                  "type": "string"
                                },
                                "isTenantGenerated": {
                                  "description": "Boolean flag, set TRUE if the tag was manually set",
                                  "example": true,
                                  "type": "boolean"
                                },
                                "systemId": {
                                  "description": "Unique internal id of the tag tree",
                                  "example": 1,
                                  "type": "integer"
                                },
                                "systemName": {
                                  "description": "Unique name of the tag tree",
                                  "example": "CATEGORIES",
                                  "type": "string"
                                },
                                "version": {
                                  "description": "Version of the tag tree",
                                  "example": 1.5,
                                  "minimum": 0,
                                  "type": "number"
                                }
                              },
                              "required": [
                                "displayName",
                                "isTenantGenerated",
                                "systemId",
                                "systemName",
                                "version"
                              ],
                              "type": "object"
                            }
                          ],
                          "description": "tagTree that the tagTreeItem belongs to"
                        }
                      },
                      "required": [
                        "displayName",
                        "systemId",
                        "systemName",
                        "tagTree"
                      ],
                      "type": "object"
                    }
                  },
                  "required": [
                    "entity",
                    "id",
                    "tagTreeItem"
                  ],
                  "type": "object"
                }
              ],
              "description": "The categorization tag assigned to the transaction"
            },
            "insurance": {
              "allOf": [
                {
                  "properties": {
                    "entity": {
                      "properties": {
                        "displayName": {
                          "description": "Display name of the entity",
                          "example": "Kontoumsatz",
                          "type": "string"
                        },
                        "entityClass": {
                          "description": "Class of the entity, such as TRANSACTION or USER",
                          "example": "TRANSACTION",
                          "type": "string"
                        },
                        "id": {
                          "description": "Transaction UUID or USER UUID.",
                          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "type": "string"
                        },
                        "userId": {
                          "description": "UUID of the USER. Same as id field for USER entities.",
                          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                          "type": "string"
                        }
                      },
                      "required": [
                        "displayName",
                        "entityClass",
                        "id"
                      ],
                      "type": "object"
                    },
                    "id": {
                      "description": "Unique Universal Identifier (UUID)",
                      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
                      "type": "string"
                    },
                    "relations": {
                      "description": "List of relations",
                      "items": {
                        "properties": {
                          "href": {
                            "description": "Link of the relation",
                            "example": "https://banksapi.io/tags/tag-trees/",
                            "type": "string"
                          },
                          "rel": {
                            "description": "Name of the relation",
                            "example": "tag_trees",
                            "type": "string"
                          }
                        },
                        "required": [
                          "href",
                          "rel"
                        ],
                        "type": "object"
                      },
                      "type": "array"
                    },
                    "tagTreeItem": {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tagTreeItem",
                          "example": "Expenses from daily grocery purchases",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Groceries",
                          "type": "string"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree item",
                          "example": 17,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree item",
                          "example": "LIVING_GROCERIES",
                          "type": "string"
                        },
                        "systemNameParent": {
                          "description": "Unique name of the parent of the tagTreeItem",
                          "example": "LIVING",
                          "type": "string"
                        },
                        "tagTree": {
                          "allOf": [
                            {
                              "properties": {
                                "description": {
                                  "description": "Gives a description of the tag tree",
                                  "example": "Detailed inusrance categories.",
                                  "type": "string"
                                },
                                "displayName": {
                                  "description": "User-friendly name shown to the end-users",
                                  "example": "Kategorien",
                                  "type": "string"
                                },
                                "isTenantGenerated": {
                                  "description": "Boolean flag, set TRUE if the tag was manually set",
                                  "example": true,
                                  "type": "boolean"
                                },
                                "systemId": {
                                  "description": "Unique internal id of the tag tree",
                                  "example": 1,
                                  "type": "integer"
                                },
                                "systemName": {
                                  "description": "Unique name of the tag tree",
                                  "example": "CATEGORIES",
                                  "type": "string"
                                },
                                "version": {
                                  "description": "Version of the tag tree",
                                  "example": 1.5,
                                  "minimum": 0,
                                  "type": "number"
                                }
                              },
                              "required": [
                                "displayName",
                                "isTenantGenerated",
                                "systemId",
                                "systemName",
                                "version"
                              ],
                              "type": "object"
                            }
                          ],
                          "description": "tagTree that the tagTreeItem belongs to"
                        }
                      },
                      "required": [
                        "displayName",
                        "systemId",
                        "systemName",
                        "tagTree"
                      ],
                      "type": "object"
                    }
                  },
                  "required": [
                    "entity",
                    "id",
                    "tagTreeItem"
                  ],
                  "type": "object"
                }
              ],
              "description": "The insurance tag assigned to the transaction"
            }
          },
          "type": "object"
        }
      ],
      "description": "Tags detected for this transaction"
    }
  },
  "required": [
    "amount",
    "postingDatetime",
    "product",
    "provider"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
amount	number	true	none	Amount in Euros
id	string	false	none	ID of the transaction
postingDatetime	string(date-time)	true	none	Date the transaction was initiated in yyyy-mm-dd HH:MM:SS format
product	string	true	none	ID of the banking product to which the transaction belongs
provider	string	true	none	ID of the bank/service provider to which the transaction belongs
tags	transaction_tags_schema	false	none	Tags detected for this transaction

relation_schema

{
  "properties": {
    "href": {
      "description": "Link of the relation",
      "example": "https://banksapi.io/tags/tag-trees/",
      "type": "string"
    },
    "rel": {
      "description": "Name of the relation",
      "example": "tag_trees",
      "type": "string"
    }
  },
  "required": [
    "href",
    "rel"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
href	string	true	none	Link of the relation
rel	string	true	none	Name of the relation

sales_triggers_tag_instance_details_schema

{
  "properties": {
    "eventDate": {
      "description": "Date of the event",
      "example": "2019-05-03",
      "format": "date",
      "type": "string"
    }
  },
  "required": [
    "eventDate"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
eventDate	string(date)	true	none	Date of the event

sales_triggers_tag_instance_schema

{
  "properties": {
    "details": {
      "properties": {
        "eventDate": {
          "description": "Date of the event",
          "example": "2019-05-03",
          "format": "date",
          "type": "string"
        }
      },
      "required": [
        "eventDate"
      ],
      "type": "object"
    },
    "entity": {
      "properties": {
        "displayName": {
          "description": "Display name of the entity",
          "example": "Kontoumsatz",
          "type": "string"
        },
        "entityClass": {
          "description": "Class of the entity, such as TRANSACTION or USER",
          "example": "TRANSACTION",
          "type": "string"
        },
        "id": {
          "description": "Transaction UUID or USER UUID.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        },
        "userId": {
          "description": "UUID of the USER. Same as id field for USER entities.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        }
      },
      "required": [
        "displayName",
        "entityClass",
        "id"
      ],
      "type": "object"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "relations": {
      "description": "List of relations",
      "items": {
        "properties": {
          "href": {
            "description": "Link of the relation",
            "example": "https://banksapi.io/tags/tag-trees/",
            "type": "string"
          },
          "rel": {
            "description": "Name of the relation",
            "example": "tag_trees",
            "type": "string"
          }
        },
        "required": [
          "href",
          "rel"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "tagTreeItem": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    }
  },
  "required": [
    "entity",
    "id",
    "tagTreeItem"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
details	sales_triggers_tag_instance_details_schema	false	none	none
entity	entity_schema	true	none	none
id	string	true	none	Unique Universal Identifier (UUID)
relations	[relation_schema]	false	none	List of relations
tagTreeItem	tag_tree_item_schema	true	none	none

tag_instance_schema

{
  "properties": {
    "entity": {
      "properties": {
        "displayName": {
          "description": "Display name of the entity",
          "example": "Kontoumsatz",
          "type": "string"
        },
        "entityClass": {
          "description": "Class of the entity, such as TRANSACTION or USER",
          "example": "TRANSACTION",
          "type": "string"
        },
        "id": {
          "description": "Transaction UUID or USER UUID.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        },
        "userId": {
          "description": "UUID of the USER. Same as id field for USER entities.",
          "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
          "type": "string"
        }
      },
      "required": [
        "displayName",
        "entityClass",
        "id"
      ],
      "type": "object"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "relations": {
      "description": "List of relations",
      "items": {
        "properties": {
          "href": {
            "description": "Link of the relation",
            "example": "https://banksapi.io/tags/tag-trees/",
            "type": "string"
          },
          "rel": {
            "description": "Name of the relation",
            "example": "tag_trees",
            "type": "string"
          }
        },
        "required": [
          "href",
          "rel"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "tagTreeItem": {
      "properties": {
        "description": {
          "description": "Gives a description of the tagTreeItem",
          "example": "Expenses from daily grocery purchases",
          "type": "string"
        },
        "displayName": {
          "description": "User-friendly name shown to the end-users",
          "example": "Groceries",
          "type": "string"
        },
        "systemId": {
          "description": "Unique internal id of the tag tree item",
          "example": 17,
          "type": "integer"
        },
        "systemName": {
          "description": "Unique name of the tag tree item",
          "example": "LIVING_GROCERIES",
          "type": "string"
        },
        "systemNameParent": {
          "description": "Unique name of the parent of the tagTreeItem",
          "example": "LIVING",
          "type": "string"
        },
        "tagTree": {
          "allOf": [
            {
              "properties": {
                "description": {
                  "description": "Gives a description of the tag tree",
                  "example": "Detailed inusrance categories.",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Kategorien",
                  "type": "string"
                },
                "isTenantGenerated": {
                  "description": "Boolean flag, set TRUE if the tag was manually set",
                  "example": true,
                  "type": "boolean"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree",
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree",
                  "example": "CATEGORIES",
                  "type": "string"
                },
                "version": {
                  "description": "Version of the tag tree",
                  "example": 1.5,
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "displayName",
                "isTenantGenerated",
                "systemId",
                "systemName",
                "version"
              ],
              "type": "object"
            }
          ],
          "description": "tagTree that the tagTreeItem belongs to"
        }
      },
      "required": [
        "displayName",
        "systemId",
        "systemName",
        "tagTree"
      ],
      "type": "object"
    }
  },
  "required": [
    "entity",
    "id",
    "tagTreeItem"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
entity	entity_schema	true	none	none
id	string	true	none	Unique Universal Identifier (UUID)
relations	[relation_schema]	false	none	List of relations
tagTreeItem	tag_tree_item_schema	true	none	none

tag_tree_input_schema

{
  "properties": {
    "systemId": {
      "example": 1,
      "type": "integer"
    },
    "systemName": {
      "example": "CATEGORIES",
      "type": "string"
    }
  },
  "required": [
    "systemName"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
systemId	integer	false	none	none
systemName	string	true	none	none

tag_tree_item_input_schema

{
  "properties": {
    "systemId": {
      "example": 17,
      "type": "integer"
    },
    "systemName": {
      "example": "LIVING_GROCERIES",
      "type": "string"
    },
    "tagTree": {
      "properties": {
        "systemId": {
          "example": 1,
          "type": "integer"
        },
        "systemName": {
          "example": "CATEGORIES",
          "type": "string"
        }
      },
      "required": [
        "systemName"
      ],
      "type": "object"
    }
  },
  "required": [
    "systemName",
    "tagTree"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
systemId	integer	false	none	none
systemName	string	true	none	none
tagTree	tag_tree_input_schema	true	none	none

tag_tree_item_schema

{
  "properties": {
    "description": {
      "description": "Gives a description of the tagTreeItem",
      "example": "Expenses from daily grocery purchases",
      "type": "string"
    },
    "displayName": {
      "description": "User-friendly name shown to the end-users",
      "example": "Groceries",
      "type": "string"
    },
    "systemId": {
      "description": "Unique internal id of the tag tree item",
      "example": 17,
      "type": "integer"
    },
    "systemName": {
      "description": "Unique name of the tag tree item",
      "example": "LIVING_GROCERIES",
      "type": "string"
    },
    "systemNameParent": {
      "description": "Unique name of the parent of the tagTreeItem",
      "example": "LIVING",
      "type": "string"
    },
    "tagTree": {
      "allOf": [
        {
          "properties": {
            "description": {
              "description": "Gives a description of the tag tree",
              "example": "Detailed inusrance categories.",
              "type": "string"
            },
            "displayName": {
              "description": "User-friendly name shown to the end-users",
              "example": "Kategorien",
              "type": "string"
            },
            "isTenantGenerated": {
              "description": "Boolean flag, set TRUE if the tag was manually set",
              "example": true,
              "type": "boolean"
            },
            "systemId": {
              "description": "Unique internal id of the tag tree",
              "example": 1,
              "type": "integer"
            },
            "systemName": {
              "description": "Unique name of the tag tree",
              "example": "CATEGORIES",
              "type": "string"
            },
            "version": {
              "description": "Version of the tag tree",
              "example": 1.5,
              "minimum": 0,
              "type": "number"
            }
          },
          "required": [
            "displayName",
            "isTenantGenerated",
            "systemId",
            "systemName",
            "version"
          ],
          "type": "object"
        }
      ],
      "description": "tagTree that the tagTreeItem belongs to"
    }
  },
  "required": [
    "displayName",
    "systemId",
    "systemName",
    "tagTree"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
description	string	false	none	Gives a description of the tagTreeItem
displayName	string	true	none	User-friendly name shown to the end-users
systemId	integer	true	none	Unique internal id of the tag tree item
systemName	string	true	none	Unique name of the tag tree item
systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to

tag_tree_schema

{
  "properties": {
    "description": {
      "description": "Gives a description of the tag tree",
      "example": "Detailed inusrance categories.",
      "type": "string"
    },
    "displayName": {
      "description": "User-friendly name shown to the end-users",
      "example": "Kategorien",
      "type": "string"
    },
    "isTenantGenerated": {
      "description": "Boolean flag, set TRUE if the tag was manually set",
      "example": true,
      "type": "boolean"
    },
    "systemId": {
      "description": "Unique internal id of the tag tree",
      "example": 1,
      "type": "integer"
    },
    "systemName": {
      "description": "Unique name of the tag tree",
      "example": "CATEGORIES",
      "type": "string"
    },
    "version": {
      "description": "Version of the tag tree",
      "example": 1.5,
      "minimum": 0,
      "type": "number"
    }
  },
  "required": [
    "displayName",
    "isTenantGenerated",
    "systemId",
    "systemName",
    "version"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
description	string	false	none	Gives a description of the tag tree
displayName	string	true	none	User-friendly name shown to the end-users
isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
systemId	integer	true	none	Unique internal id of the tag tree
systemName	string	true	none	Unique name of the tag tree
version	number	true	none	Version of the tag tree

tags_tag_tree_schema

{
  "description": "Two level categorization tree.",
  "displayName": "Kategorien",
  "isClientGenerated": false,
  "relations": [
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/1/",
      "rel": "self"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/",
      "rel": "tag_trees"
    },
    {
      "href": "https://banksapi.io/tags/v1/tag-trees/1/tag-tree-items/",
      "rel": "tag_tree_items"
    }
  ],
  "systemId": 1,
  "systemName": "CATEGORIES",
  "version": 3.7
}

Properties

Name	Type	Required	Restrictions	Description
description	string	false	none	Gives a description of the tag tree
displayName	string	true	none	User-friendly name shown to the end-users
isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
relations	[relation_schema]	false	none	List of relations
systemId	integer	true	none	Unique internal id of the tag tree
systemName	string	true	none	Unique name of the tag tree
version	number	true	none	Version of the tag tree

transaction_schema

{
  "properties": {
    "amount": {
      "description": "Amount in Euros",
      "example": -5.67,
      "type": "number"
    },
    "bankUniqueId": {
      "description": "Id used by the bank",
      "example": "999001",
      "type": "string"
    },
    "counterpartyBic": {
      "description": "BIC of the counterparty",
      "example": "PBNKDEFF",
      "type": "string"
    },
    "counterpartyIban": {
      "description": "IBAN of the counterparty",
      "example": "DE75512108001245126199",
      "type": "string"
    },
    "counterpartyName": {
      "description": "Name of the counterparty",
      "example": "ALLIANZ LV",
      "type": "string"
    },
    "counterpartyNameUltimate": {
      "description": "Name of the ultimate counterparty",
      "example": "REWE",
      "type": "string"
    },
    "gvCode": {
      "description": "SEPA GV Code (Geschäftsvorfallcode)",
      "example": "082",
      "type": "string"
    },
    "hash": {
      "description": "Hash value for historical ordering",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "id": {
      "description": "ID of the transaction",
      "example": "57624057-11bf-4087-b16a-dc1a7525d3b5",
      "type": "string"
    },
    "noteToPayee": {
      "description": "Text entered during posting",
      "example": "CRED DE07ZZZ00000063475 Beitrag Lebensvers 2020 01 SEPA BASISLASTSCHRIFT wiederholend",
      "type": "string"
    },
    "postingDatetime": {
      "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM:SS format",
      "example": "2020-01-15 09:00:00",
      "format": "date-time",
      "type": "string"
    },
    "postingText": {
      "description": "Posting text of the transaction",
      "example": "Lastschrift",
      "type": "string"
    },
    "product": {
      "description": "ID of the banking product to which the transaction belongs",
      "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
      "type": "string"
    },
    "provider": {
      "description": "ID of the bank/service provider to which the transaction belongs",
      "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
      "type": "string"
    },
    "tenant": {
      "description": "ID of the tenant to which the transaction belongs",
      "example": "1bcb487e-f409-4438-a358-d8d128581761",
      "type": "string"
    },
    "user": {
      "description": "ID of the user to whom the transaction belongs",
      "example": "624ca509-b0f2-42f6-b202-8de20e9ed12a",
      "type": "string"
    },
    "valueDatetime": {
      "description": "Date the transaction was booked in yyyy-mm-dd HH:MM:SS format.",
      "example": "2020-01-15 09:00:00",
      "format": "date-time",
      "type": "string"
    }
  },
  "required": [
    "amount",
    "noteToPayee",
    "postingDatetime",
    "product",
    "provider",
    "tenant",
    "user"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
amount	number	true	none	Amount in Euros
bankUniqueId	string	false	none	Id used by the bank
counterpartyBic	string	false	none	BIC of the counterparty
counterpartyIban	string	false	none	IBAN of the counterparty
counterpartyName	string	false	none	Name of the counterparty
counterpartyNameUltimate	string	false	none	Name of the ultimate counterparty
gvCode	string	false	none	SEPA GV Code (Geschäftsvorfallcode)
hash	string	false	none	Hash value for historical ordering
id	string	false	none	ID of the transaction
noteToPayee	string	true	none	Text entered during posting
postingDatetime	string(date-time)	true	none	Date the transaction was initiated in yyyy-mm-dd HH:MM:SS format
postingText	string	false	none	Posting text of the transaction
product	string	true	none	ID of the banking product to which the transaction belongs
provider	string	true	none	ID of the bank/service provider to which the transaction belongs
tenant	string	true	none	ID of the tenant to which the transaction belongs
user	string	true	none	ID of the user to whom the transaction belongs
valueDatetime	string(date-time)	false	none	Date the transaction was booked in yyyy-mm-dd HH:MM:SS format.

transaction_tags_schema

{
  "properties": {
    "businessPartner": {
      "allOf": [
        {
          "properties": {
            "entity": {
              "properties": {
                "displayName": {
                  "description": "Display name of the entity",
                  "example": "Kontoumsatz",
                  "type": "string"
                },
                "entityClass": {
                  "description": "Class of the entity, such as TRANSACTION or USER",
                  "example": "TRANSACTION",
                  "type": "string"
                },
                "id": {
                  "description": "Transaction UUID or USER UUID.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                },
                "userId": {
                  "description": "UUID of the USER. Same as id field for USER entities.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                }
              },
              "required": [
                "displayName",
                "entityClass",
                "id"
              ],
              "type": "object"
            },
            "id": {
              "description": "Unique Universal Identifier (UUID)",
              "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
              "type": "string"
            },
            "relations": {
              "description": "List of relations",
              "items": {
                "properties": {
                  "href": {
                    "description": "Link of the relation",
                    "example": "https://banksapi.io/tags/tag-trees/",
                    "type": "string"
                  },
                  "rel": {
                    "description": "Name of the relation",
                    "example": "tag_trees",
                    "type": "string"
                  }
                },
                "required": [
                  "href",
                  "rel"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "tagTreeItem": {
              "properties": {
                "description": {
                  "description": "Gives a description of the tagTreeItem",
                  "example": "Expenses from daily grocery purchases",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Groceries",
                  "type": "string"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree item",
                  "example": 17,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree item",
                  "example": "LIVING_GROCERIES",
                  "type": "string"
                },
                "systemNameParent": {
                  "description": "Unique name of the parent of the tagTreeItem",
                  "example": "LIVING",
                  "type": "string"
                },
                "tagTree": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tag tree",
                          "example": "Detailed inusrance categories.",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Kategorien",
                          "type": "string"
                        },
                        "isTenantGenerated": {
                          "description": "Boolean flag, set TRUE if the tag was manually set",
                          "example": true,
                          "type": "boolean"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree",
                          "example": 1,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree",
                          "example": "CATEGORIES",
                          "type": "string"
                        },
                        "version": {
                          "description": "Version of the tag tree",
                          "example": 1.5,
                          "minimum": 0,
                          "type": "number"
                        }
                      },
                      "required": [
                        "displayName",
                        "isTenantGenerated",
                        "systemId",
                        "systemName",
                        "version"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "tagTree that the tagTreeItem belongs to"
                }
              },
              "required": [
                "displayName",
                "systemId",
                "systemName",
                "tagTree"
              ],
              "type": "object"
            }
          },
          "required": [
            "entity",
            "id",
            "tagTreeItem"
          ],
          "type": "object"
        }
      ],
      "description": "The business partner tag assigned to the transaction"
    },
    "category": {
      "allOf": [
        {
          "properties": {
            "entity": {
              "properties": {
                "displayName": {
                  "description": "Display name of the entity",
                  "example": "Kontoumsatz",
                  "type": "string"
                },
                "entityClass": {
                  "description": "Class of the entity, such as TRANSACTION or USER",
                  "example": "TRANSACTION",
                  "type": "string"
                },
                "id": {
                  "description": "Transaction UUID or USER UUID.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                },
                "userId": {
                  "description": "UUID of the USER. Same as id field for USER entities.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                }
              },
              "required": [
                "displayName",
                "entityClass",
                "id"
              ],
              "type": "object"
            },
            "id": {
              "description": "Unique Universal Identifier (UUID)",
              "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
              "type": "string"
            },
            "relations": {
              "description": "List of relations",
              "items": {
                "properties": {
                  "href": {
                    "description": "Link of the relation",
                    "example": "https://banksapi.io/tags/tag-trees/",
                    "type": "string"
                  },
                  "rel": {
                    "description": "Name of the relation",
                    "example": "tag_trees",
                    "type": "string"
                  }
                },
                "required": [
                  "href",
                  "rel"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "tagTreeItem": {
              "properties": {
                "description": {
                  "description": "Gives a description of the tagTreeItem",
                  "example": "Expenses from daily grocery purchases",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Groceries",
                  "type": "string"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree item",
                  "example": 17,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree item",
                  "example": "LIVING_GROCERIES",
                  "type": "string"
                },
                "systemNameParent": {
                  "description": "Unique name of the parent of the tagTreeItem",
                  "example": "LIVING",
                  "type": "string"
                },
                "tagTree": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tag tree",
                          "example": "Detailed inusrance categories.",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Kategorien",
                          "type": "string"
                        },
                        "isTenantGenerated": {
                          "description": "Boolean flag, set TRUE if the tag was manually set",
                          "example": true,
                          "type": "boolean"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree",
                          "example": 1,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree",
                          "example": "CATEGORIES",
                          "type": "string"
                        },
                        "version": {
                          "description": "Version of the tag tree",
                          "example": 1.5,
                          "minimum": 0,
                          "type": "number"
                        }
                      },
                      "required": [
                        "displayName",
                        "isTenantGenerated",
                        "systemId",
                        "systemName",
                        "version"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "tagTree that the tagTreeItem belongs to"
                }
              },
              "required": [
                "displayName",
                "systemId",
                "systemName",
                "tagTree"
              ],
              "type": "object"
            }
          },
          "required": [
            "entity",
            "id",
            "tagTreeItem"
          ],
          "type": "object"
        }
      ],
      "description": "The categorization tag assigned to the transaction"
    },
    "insurance": {
      "allOf": [
        {
          "properties": {
            "entity": {
              "properties": {
                "displayName": {
                  "description": "Display name of the entity",
                  "example": "Kontoumsatz",
                  "type": "string"
                },
                "entityClass": {
                  "description": "Class of the entity, such as TRANSACTION or USER",
                  "example": "TRANSACTION",
                  "type": "string"
                },
                "id": {
                  "description": "Transaction UUID or USER UUID.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                },
                "userId": {
                  "description": "UUID of the USER. Same as id field for USER entities.",
                  "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                  "type": "string"
                }
              },
              "required": [
                "displayName",
                "entityClass",
                "id"
              ],
              "type": "object"
            },
            "id": {
              "description": "Unique Universal Identifier (UUID)",
              "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
              "type": "string"
            },
            "relations": {
              "description": "List of relations",
              "items": {
                "properties": {
                  "href": {
                    "description": "Link of the relation",
                    "example": "https://banksapi.io/tags/tag-trees/",
                    "type": "string"
                  },
                  "rel": {
                    "description": "Name of the relation",
                    "example": "tag_trees",
                    "type": "string"
                  }
                },
                "required": [
                  "href",
                  "rel"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "tagTreeItem": {
              "properties": {
                "description": {
                  "description": "Gives a description of the tagTreeItem",
                  "example": "Expenses from daily grocery purchases",
                  "type": "string"
                },
                "displayName": {
                  "description": "User-friendly name shown to the end-users",
                  "example": "Groceries",
                  "type": "string"
                },
                "systemId": {
                  "description": "Unique internal id of the tag tree item",
                  "example": 17,
                  "type": "integer"
                },
                "systemName": {
                  "description": "Unique name of the tag tree item",
                  "example": "LIVING_GROCERIES",
                  "type": "string"
                },
                "systemNameParent": {
                  "description": "Unique name of the parent of the tagTreeItem",
                  "example": "LIVING",
                  "type": "string"
                },
                "tagTree": {
                  "allOf": [
                    {
                      "properties": {
                        "description": {
                          "description": "Gives a description of the tag tree",
                          "example": "Detailed inusrance categories.",
                          "type": "string"
                        },
                        "displayName": {
                          "description": "User-friendly name shown to the end-users",
                          "example": "Kategorien",
                          "type": "string"
                        },
                        "isTenantGenerated": {
                          "description": "Boolean flag, set TRUE if the tag was manually set",
                          "example": true,
                          "type": "boolean"
                        },
                        "systemId": {
                          "description": "Unique internal id of the tag tree",
                          "example": 1,
                          "type": "integer"
                        },
                        "systemName": {
                          "description": "Unique name of the tag tree",
                          "example": "CATEGORIES",
                          "type": "string"
                        },
                        "version": {
                          "description": "Version of the tag tree",
                          "example": 1.5,
                          "minimum": 0,
                          "type": "number"
                        }
                      },
                      "required": [
                        "displayName",
                        "isTenantGenerated",
                        "systemId",
                        "systemName",
                        "version"
                      ],
                      "type": "object"
                    }
                  ],
                  "description": "tagTree that the tagTreeItem belongs to"
                }
              },
              "required": [
                "displayName",
                "systemId",
                "systemName",
                "tagTree"
              ],
              "type": "object"
            }
          },
          "required": [
            "entity",
            "id",
            "tagTreeItem"
          ],
          "type": "object"
        }
      ],
      "description": "The insurance tag assigned to the transaction"
    }
  },
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
businessPartner	tag_instance_schema	false	none	The business partner tag assigned to the transaction
category	tag_instance_schema	false	none	The categorization tag assigned to the transaction
insurance	tag_instance_schema	false	none	The insurance tag assigned to the transaction

transactions_and_tag_tree_items_schema

{
  "properties": {
    "tagTreeItem": {
      "allOf": [
        {
          "properties": {
            "systemId": {
              "example": 17,
              "type": "integer"
            },
            "systemName": {
              "example": "LIVING_GROCERIES",
              "type": "string"
            },
            "tagTree": {
              "properties": {
                "systemId": {
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "example": "CATEGORIES",
                  "type": "string"
                }
              },
              "required": [
                "systemName"
              ],
              "type": "object"
            }
          },
          "required": [
            "systemName",
            "tagTree"
          ],
          "type": "object"
        }
      ],
      "description": "New tag tree item to use for re-categorization"
    },
    "tagTreeItems": {
      "description": "List of tag tree items",
      "items": {
        "properties": {
          "systemId": {
            "example": 17,
            "type": "integer"
          },
          "systemName": {
            "example": "LIVING_GROCERIES",
            "type": "string"
          },
          "tagTree": {
            "properties": {
              "systemId": {
                "example": 1,
                "type": "integer"
              },
              "systemName": {
                "example": "CATEGORIES",
                "type": "string"
              }
            },
            "required": [
              "systemName"
            ],
            "type": "object"
          }
        },
        "required": [
          "systemName",
          "tagTree"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "transactions": {
      "description": "List of transactions",
      "items": {
        "properties": {
          "amount": {
            "description": "Amount in Euros",
            "example": -5.67,
            "type": "number"
          },
          "bankUniqueId": {
            "description": "Id used by the bank",
            "example": "999001",
            "type": "string"
          },
          "counterpartyBic": {
            "description": "BIC of the counterparty",
            "example": "PBNKDEFF",
            "type": "string"
          },
          "counterpartyIban": {
            "description": "IBAN of the counterparty",
            "example": "DE75512108001245126199",
            "type": "string"
          },
          "counterpartyName": {
            "description": "Name of the counterparty",
            "example": "ALLIANZ LV",
            "type": "string"
          },
          "counterpartyNameUltimate": {
            "description": "Name of the ultimate counterparty",
            "example": "REWE",
            "type": "string"
          },
          "gvCode": {
            "description": "SEPA GV Code (Geschäftsvorfallcode)",
            "example": "082",
            "type": "string"
          },
          "hash": {
            "description": "Hash value for historical ordering",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "id": {
            "description": "ID of the transaction",
            "example": "57624057-11bf-4087-b16a-dc1a7525d3b5",
            "type": "string"
          },
          "noteToPayee": {
            "description": "Text entered during posting",
            "example": "CRED DE07ZZZ00000063475 Beitrag Lebensvers 2020 01 SEPA BASISLASTSCHRIFT wiederholend",
            "type": "string"
          },
          "postingDatetime": {
            "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM:SS format",
            "example": "2020-01-15 09:00:00",
            "format": "date-time",
            "type": "string"
          },
          "postingText": {
            "description": "Posting text of the transaction",
            "example": "Lastschrift",
            "type": "string"
          },
          "product": {
            "description": "ID of the banking product to which the transaction belongs",
            "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
            "type": "string"
          },
          "provider": {
            "description": "ID of the bank/service provider to which the transaction belongs",
            "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
            "type": "string"
          },
          "tenant": {
            "description": "ID of the tenant to which the transaction belongs",
            "example": "1bcb487e-f409-4438-a358-d8d128581761",
            "type": "string"
          },
          "user": {
            "description": "ID of the user to whom the transaction belongs",
            "example": "624ca509-b0f2-42f6-b202-8de20e9ed12a",
            "type": "string"
          },
          "valueDatetime": {
            "description": "Date the transaction was booked in yyyy-mm-dd HH:MM:SS format.",
            "example": "2020-01-15 09:00:00",
            "format": "date-time",
            "type": "string"
          }
        },
        "required": [
          "amount",
          "noteToPayee",
          "postingDatetime",
          "product",
          "provider",
          "tenant",
          "user"
        ],
        "type": "object"
      },
      "type": "array"
    }
  },
  "required": [
    "transactions"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
tagTreeItem	tag_tree_item_input_schema	false	none	New tag tree item to use for re-categorization
tagTreeItems	[tag_tree_item_input_schema]	false	none	List of tag tree items
transactions	[transaction_schema]	true	none	List of transactions

user_rule_input_schema

{
  "properties": {
    "counterpartyIban": {
      "description": "IBAN of the counterparty",
      "example": "DE75512108001245126199",
      "type": "string"
    },
    "counterpartyName": {
      "description": "Name of the counterparty",
      "example": "ALLIANZ LV",
      "type": "string"
    },
    "tagTreeItem": {
      "allOf": [
        {
          "properties": {
            "systemId": {
              "example": 17,
              "type": "integer"
            },
            "systemName": {
              "example": "LIVING_GROCERIES",
              "type": "string"
            },
            "tagTree": {
              "properties": {
                "systemId": {
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "example": "CATEGORIES",
                  "type": "string"
                }
              },
              "required": [
                "systemName"
              ],
              "type": "object"
            }
          },
          "required": [
            "systemName",
            "tagTree"
          ],
          "type": "object"
        }
      ],
      "description": "tag tree item to use for custom categorization"
    },
    "tenant": {
      "description": "ID of the tenant",
      "example": "1bcb487e-f409-4438-a358-d8d128581761",
      "type": "string"
    },
    "user": {
      "description": "ID of the user",
      "example": "624ca509-b0f2-42f6-b202-8de20e9ed12a",
      "type": "string"
    }
  },
  "required": [
    "counterpartyIban",
    "counterpartyName",
    "tagTreeItem",
    "tenant",
    "user"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
counterpartyIban	string	true	none	IBAN of the counterparty
counterpartyName	string	true	none	Name of the counterparty
tagTreeItem	tag_tree_item_input_schema	true	none	tag tree item to use for custom categorization
tenant	string	true	none	ID of the tenant
user	string	true	none	ID of the user

user_rule_schema

{
  "counterpartyIban": "DE42500105174896827935",
  "counterpartyName": "Müller Drogerie",
  "id": "008a423d-ab1a-3785-17ff-d66e45b97f22",
  "tagTreeItem": {
    "description": "Payments from grocery shopping",
    "displayName": "Lebensmittel",
    "systemId": 67,
    "systemName": "LIVING_GROCERIES",
    "systemNameParent": "LIVING",
    "tagTree": {
      "description": "Two level categorization tree.",
      "displayName": "Kategorien",
      "isTenantGenerated": false,
      "systemId": 1,
      "systemName": "CATEGORIES",
      "version": 3.71
    }
  },
  "user": "0e3cb7d1-f17e-3924-4d78a-21d3590dfe58"
}

Properties

Name	Type	Required	Restrictions	Description
counterpartyIban	string	true	none	IBAN of the counterparty
counterpartyName	string	true	none	Name of the counterparty
id	string	true	none	ID of the rule
tagTreeItem	tag_tree_item_schema	true	none	tag tree item to use for custom categorization
tenant	string	true	none	ID of the tenant
user	string	true	none	ID of the user

user_schema

{
  "properties": {
    "bankProducts": {
      "description": "List of bank products",
      "items": {
        "properties": {
          "balance": {
            "description": "Balance of the bank product",
            "example": 12675.48,
            "type": "number"
          },
          "bic": {
            "description": "BIC (Bank Identifier Code)",
            "example": "DEUTDEFFXXX",
            "type": "string"
          },
          "creditDrawn": {
            "description": "Amount of credit already extended for the bank product",
            "example": 1243.48,
            "type": "number"
          },
          "creditLimit": {
            "description": "Maximum amount of credit extended for the bank product",
            "example": 2000,
            "type": "number"
          },
          "currency": {
            "description": "Currency in which the bank product is valued/managed",
            "example": "EUR",
            "type": "string"
          },
          "iban": {
            "description": "IBAN (International Bank Account Number)",
            "example": "DE61500105173126617266",
            "type": "string"
          },
          "id": {
            "description": "ID of the bank product",
            "example": "57624057-11bf-4087-b16a-dc1a7525d3b5",
            "type": "string"
          },
          "lastUpdated": {
            "description": "Date of the last product update at the bank/service provider in yyyy-mm-dd HH:MM:SS format",
            "example": "2020-01-15 09:34:46",
            "type": "string"
          },
          "name": {
            "description": "Name of the bank product according to bank/service provider",
            "example": "Girokonto Premium Plus",
            "type": "string"
          },
          "overdraftLimit": {
            "description": "Maximum amount by which the bank product can be overdrawn",
            "example": 5000,
            "type": "number"
          },
          "owner": {
            "description": "Name of the owner",
            "example": "Erika Mustermann",
            "type": "string"
          },
          "providerId": {
            "description": "UUID of the bank/service provider",
            "example": "7721443a-30ab-4fb7-8919-4bee0e963019",
            "type": "string"
          },
          "providerName": {
            "description": "Name of the bank/service provider",
            "example": "Deutsche Bank",
            "type": "string"
          },
          "status": {
            "description": "Retrieval status for the bank product data",
            "example": "VOLLSTAENDIG",
            "type": "string"
          },
          "type": {
            "description": "Type of the bank product",
            "example": "GIROKONTO",
            "type": "string"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "investments": {
      "description": "List of investments",
      "items": {
        "properties": {
          "amount": {
            "description": "Amount of the securities",
            "example": 7,
            "type": "number"
          },
          "currency": {
            "description": "Trading currency (Alphabetic Code ISO 4217)",
            "example": "EUR",
            "type": "string"
          },
          "exchangeRate": {
            "description": "Exchange rate from EUR to the trading currency",
            "example": 1,
            "type": "number"
          },
          "isin": {
            "description": "International Securities Identification Number (ISIN) of the financial instrument",
            "example": "DE000BAY0017",
            "type": "string"
          },
          "name": {
            "description": "Name of the deposit position, usually the name of the financial instrument",
            "example": "Bayer AG",
            "type": "string"
          },
          "price": {
            "description": "Trading price in trading currency",
            "example": 53.47,
            "type": "number"
          },
          "rateDate": {
            "description": "Date of the trading rate in yyyy-mm-dd HH:MM:SS format",
            "example": "2021-03-08 09:34:46",
            "format": "date-time",
            "type": "string"
          },
          "totalValue": {
            "description": "Total value of the stock in EUR as at the end of the financial statements",
            "example": 364.66,
            "type": "number"
          },
          "unit": {
            "description": "Trading unit",
            "example": "STUECK",
            "type": "string"
          },
          "venue": {
            "description": "Trading venue of the price determination",
            "example": "MUN",
            "type": "string"
          },
          "wkn": {
            "description": "Wertpapierkennnummer (WKN) of the financial instrument. Corresponds to the German National Securities Identifying Number (NSIN), but without the three leading zeros.",
            "example": "BAY001",
            "type": "string"
          }
        },
        "type": "object"
      },
      "type": "array"
    },
    "transactions": {
      "description": "List of transactions",
      "items": {
        "properties": {
          "amount": {
            "description": "Amount in Euros",
            "example": -5.67,
            "type": "number"
          },
          "bankUniqueId": {
            "description": "Id used by the bank",
            "example": "999001",
            "type": "string"
          },
          "counterpartyBic": {
            "description": "BIC of the counterparty",
            "example": "PBNKDEFF",
            "type": "string"
          },
          "counterpartyIban": {
            "description": "IBAN of the counterparty",
            "example": "DE75512108001245126199",
            "type": "string"
          },
          "counterpartyName": {
            "description": "Name of the counterparty",
            "example": "ALLIANZ LV",
            "type": "string"
          },
          "counterpartyNameUltimate": {
            "description": "Name of the ultimate counterparty",
            "example": "REWE",
            "type": "string"
          },
          "gvCode": {
            "description": "SEPA GV Code (Geschäftsvorfallcode)",
            "example": "082",
            "type": "string"
          },
          "hash": {
            "description": "Hash value for historical ordering",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "id": {
            "description": "ID of the transaction",
            "example": "57624057-11bf-4087-b16a-dc1a7525d3b5",
            "type": "string"
          },
          "noteToPayee": {
            "description": "Text entered during posting",
            "example": "CRED DE07ZZZ00000063475 Beitrag Lebensvers 2020 01 SEPA BASISLASTSCHRIFT wiederholend",
            "type": "string"
          },
          "postingDatetime": {
            "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM:SS format",
            "example": "2020-01-15 09:00:00",
            "format": "date-time",
            "type": "string"
          },
          "postingText": {
            "description": "Posting text of the transaction",
            "example": "Lastschrift",
            "type": "string"
          },
          "product": {
            "description": "ID of the banking product to which the transaction belongs",
            "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
            "type": "string"
          },
          "provider": {
            "description": "ID of the bank/service provider to which the transaction belongs",
            "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
            "type": "string"
          },
          "tenant": {
            "description": "ID of the tenant to which the transaction belongs",
            "example": "1bcb487e-f409-4438-a358-d8d128581761",
            "type": "string"
          },
          "user": {
            "description": "ID of the user to whom the transaction belongs",
            "example": "624ca509-b0f2-42f6-b202-8de20e9ed12a",
            "type": "string"
          },
          "valueDatetime": {
            "description": "Date the transaction was booked in yyyy-mm-dd HH:MM:SS format.",
            "example": "2020-01-15 09:00:00",
            "format": "date-time",
            "type": "string"
          }
        },
        "required": [
          "amount",
          "noteToPayee",
          "postingDatetime",
          "product",
          "provider",
          "tenant",
          "user"
        ],
        "type": "object"
      },
      "type": "array"
    }
  },
  "required": [
    "transactions"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
bankProducts	[bank_product_schema]	false	none	List of bank products
investments	[investment_schema]	false	none	List of investments
transactions	[transaction_schema]	true	none	List of transactions

v1_input

{
  "properties": {
    "transactions": {
      "description": "List of transaction",
      "items": {
        "properties": {
          "betrag": {
            "description": "Amount in Euros",
            "example": -3.94,
            "type": "number"
          },
          "buchungsdatum": {
            "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM format",
            "example": "2020-03-01 10:00",
            "type": "string"
          },
          "buchungstext": {
            "description": "Text entered during posting",
            "example": "Lastschrift",
            "type": "string"
          },
          "gegenkontoBic": {
            "description": "BIC of the counterparty",
            "example": "PBNKDEFF",
            "type": "string"
          },
          "gegenkontoIban": {
            "description": "IBAN of the counterparty",
            "example": "DE75512108001245126199",
            "type": "string"
          },
          "gegenkontoInhaber": {
            "description": "Name of the counterparty",
            "example": "Erika Musterfrau",
            "type": "string"
          },
          "gegenkontoInhaberAbweichend": {
            "description": "Name of the ultimate counterparty",
            "example": "REWE",
            "type": "string"
          },
          "gvCode": {
            "description": "SEPA GV Code (Geschäftsvorfallcode)",
            "example": "082",
            "type": "string"
          },
          "hash": {
            "description": "Hash value for historical ordering",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "id": {
            "description": "Unique Universal Identifier (UUID)",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "primanotaNummer": {
            "description": "Id used by the bank",
            "example": "999001",
            "type": "string"
          },
          "product": {
            "description": "Account which the transaction is associated with",
            "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
            "type": "string"
          },
          "provider": {
            "description": "Id of the bank",
            "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
            "type": "string"
          },
          "tenant": {
            "description": "Tenant ID to which the transaction belongs",
            "example": "1bcb487e-f409-4438-a358-d8d128581761",
            "type": "string"
          },
          "user": {
            "description": "Universally Unique Identifier of the user",
            "example": "624ca509-b0f2-42f6-b202-8de20e9ed12a",
            "type": "string"
          },
          "verwendungszweck": {
            "description": "Text entered during posting",
            "example": "Miete 2020 03 Wohnung 123 Bahnhofsstraße 1",
            "type": "string"
          },
          "wertstellungsdatum": {
            "description": "Financial booking date in in yyyy-mm-dd HH:MM format.",
            "example": "2020-03-01 10:00",
            "type": "string"
          }
        },
        "required": [
          "betrag",
          "buchungsdatum",
          "id",
          "product",
          "provider",
          "tenant",
          "user",
          "verwendungszweck"
        ],
        "type": "object"
      },
      "type": "array"
    }
  },
  "required": [
    "transactions"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
transactions	[v1_transaction]	true	none	List of transaction

v1_output

{
  "properties": {
    "betrag": {
      "description": "Amount in Euros",
      "example": -3.94,
      "type": "number"
    },
    "buchungsdatum": {
      "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM format",
      "example": "2020-03-01 10:00",
      "type": "string"
    },
    "buchungstext": {
      "description": "Text entered during posting",
      "example": "Lastschrift",
      "type": "string"
    },
    "gegenkontoBic": {
      "description": "BIC of the counterparty",
      "example": "PBNKDEFF",
      "type": "string"
    },
    "gegenkontoIban": {
      "description": "IBAN of the counterparty",
      "example": "DE75512108001245126199",
      "type": "string"
    },
    "gegenkontoInhaber": {
      "description": "Name of the counterparty",
      "example": "Erika Musterfrau",
      "type": "string"
    },
    "gvCode": {
      "description": "SEPA GV Code (Geschäftsvorfallcode)",
      "example": "082",
      "type": "string"
    },
    "hash": {
      "description": "Hash value for historical ordering",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "primanotaNummer": {
      "description": "Id used by the bank",
      "example": "999001",
      "type": "string"
    },
    "product": {
      "description": "Account which the transaction is associated with",
      "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
      "type": "string"
    },
    "provider": {
      "description": "Id of the bank",
      "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
      "type": "string"
    },
    "tags": {
      "description": "List of tags of the transaction",
      "items": {
        "properties": {
          "category": {
            "description": "Unique name used by the API, similar to systemId.",
            "example": "LIVING_GROCERIES",
            "type": "string"
          },
          "confidenceLevel": {
            "description": "Probability that the tag is correct.",
            "example": 0.95,
            "maximum": 1,
            "minimum": 0,
            "type": "number"
          },
          "displayName": {
            "description": "User friendly local name.",
            "example": "Lebensmittel",
            "type": "string"
          },
          "parent": {
            "description": "systemName of the tag's parent.",
            "example": "LIVING",
            "type": "string"
          },
          "parentCategory": {
            "description": "systemName of the tag's parent.",
            "example": "LIVING",
            "type": "string"
          },
          "systemName": {
            "description": "Unique name used by the API, similar to systemId.",
            "example": "LIVING_GROCERIES",
            "type": "string"
          },
          "tagId": {
            "description": "Unique Universal Identifier (UUID)",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "tagScope": {
            "default": "transaction",
            "description": "Object of the tag, user or transaction",
            "example": "transaction",
            "type": "string"
          },
          "tagType": {
            "default": "CATEGORY",
            "description": "Type of the tag",
            "example": "CATEGORY",
            "type": "string"
          },
          "tagVersion": {
            "description": "Version of the tag tree",
            "example": "1.5",
            "type": "string"
          }
        },
        "required": [
          "category",
          "displayName",
          "systemName",
          "tagVersion"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "tenant": {
      "description": "Tenant ID to which the transaction belongs",
      "example": "1bcb487e-f409-4438-a358-d8d128581761",
      "type": "string"
    },
    "user": {
      "description": "Universally Unique Identifier of the user",
      "example": "624ca509-b0f2-42f6-b202-8de20e9ed12a",
      "type": "string"
    },
    "verwendungszweck": {
      "description": "Text entered during posting",
      "example": "Miete 2020 03 Wohnung 123 Bahnhofsstraße 1",
      "type": "string"
    },
    "wertstellungsdatum": {
      "description": "Financial booking date in in yyyy-mm-dd HH:MM format.",
      "example": "2020-03-01 10:00",
      "type": "string"
    }
  },
  "required": [
    "betrag",
    "buchungsdatum",
    "id",
    "product",
    "provider",
    "tenant",
    "user",
    "verwendungszweck"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
betrag	number	true	none	Amount in Euros
buchungsdatum	string	true	none	Date the transaction was initiated in yyyy-mm-dd HH:MM format
buchungstext	string	false	none	Text entered during posting
gegenkontoBic	string	false	none	BIC of the counterparty
gegenkontoIban	string	false	none	IBAN of the counterparty
gegenkontoInhaber	string	false	none	Name of the counterparty
gvCode	string	false	none	SEPA GV Code (Geschäftsvorfallcode)
hash	string	false	none	Hash value for historical ordering
id	string	true	none	Unique Universal Identifier (UUID)
primanotaNummer	string	false	none	Id used by the bank
product	string	true	none	Account which the transaction is associated with
provider	string	true	none	Id of the bank
tags	[v1_tag]	false	none	List of tags of the transaction
tenant	string	true	none	Tenant ID to which the transaction belongs
user	string	true	none	Universally Unique Identifier of the user
verwendungszweck	string	true	none	Text entered during posting
wertstellungsdatum	string	false	none	Financial booking date in in yyyy-mm-dd HH:MM format.

v1_tag

{
  "properties": {
    "category": {
      "description": "Unique name used by the API, similar to systemId.",
      "example": "LIVING_GROCERIES",
      "type": "string"
    },
    "confidenceLevel": {
      "description": "Probability that the tag is correct.",
      "example": 0.95,
      "maximum": 1,
      "minimum": 0,
      "type": "number"
    },
    "displayName": {
      "description": "User friendly local name.",
      "example": "Lebensmittel",
      "type": "string"
    },
    "parent": {
      "description": "systemName of the tag's parent.",
      "example": "LIVING",
      "type": "string"
    },
    "parentCategory": {
      "description": "systemName of the tag's parent.",
      "example": "LIVING",
      "type": "string"
    },
    "systemName": {
      "description": "Unique name used by the API, similar to systemId.",
      "example": "LIVING_GROCERIES",
      "type": "string"
    },
    "tagId": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "tagScope": {
      "default": "transaction",
      "description": "Object of the tag, user or transaction",
      "example": "transaction",
      "type": "string"
    },
    "tagType": {
      "default": "CATEGORY",
      "description": "Type of the tag",
      "example": "CATEGORY",
      "type": "string"
    },
    "tagVersion": {
      "description": "Version of the tag tree",
      "example": "1.5",
      "type": "string"
    }
  },
  "required": [
    "category",
    "displayName",
    "systemName",
    "tagVersion"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
category	string	true	none	Unique name used by the API, similar to systemId.
confidenceLevel	number	false	none	Probability that the tag is correct.
displayName	string	true	none	User friendly local name.
parent	string	false	none	systemName of the tag's parent.
parentCategory	string	false	none	systemName of the tag's parent.
systemName	string	true	none	Unique name used by the API, similar to systemId.
tagId	string	false	none	Unique Universal Identifier (UUID)
tagScope	string	false	none	Object of the tag, user or transaction
tagType	string	false	none	Type of the tag
tagVersion	string	true	none	Version of the tag tree

v1_transaction

{
  "properties": {
    "betrag": {
      "description": "Amount in Euros",
      "example": -3.94,
      "type": "number"
    },
    "buchungsdatum": {
      "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM format",
      "example": "2020-03-01 10:00",
      "type": "string"
    },
    "buchungstext": {
      "description": "Text entered during posting",
      "example": "Lastschrift",
      "type": "string"
    },
    "gegenkontoBic": {
      "description": "BIC of the counterparty",
      "example": "PBNKDEFF",
      "type": "string"
    },
    "gegenkontoIban": {
      "description": "IBAN of the counterparty",
      "example": "DE75512108001245126199",
      "type": "string"
    },
    "gegenkontoInhaber": {
      "description": "Name of the counterparty",
      "example": "Erika Musterfrau",
      "type": "string"
    },
    "gegenkontoInhaberAbweichend": {
      "description": "Name of the ultimate counterparty",
      "example": "REWE",
      "type": "string"
    },
    "gvCode": {
      "description": "SEPA GV Code (Geschäftsvorfallcode)",
      "example": "082",
      "type": "string"
    },
    "hash": {
      "description": "Hash value for historical ordering",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "primanotaNummer": {
      "description": "Id used by the bank",
      "example": "999001",
      "type": "string"
    },
    "product": {
      "description": "Account which the transaction is associated with",
      "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
      "type": "string"
    },
    "provider": {
      "description": "Id of the bank",
      "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
      "type": "string"
    },
    "tenant": {
      "description": "Tenant ID to which the transaction belongs",
      "example": "1bcb487e-f409-4438-a358-d8d128581761",
      "type": "string"
    },
    "user": {
      "description": "Universally Unique Identifier of the user",
      "example": "624ca509-b0f2-42f6-b202-8de20e9ed12a",
      "type": "string"
    },
    "verwendungszweck": {
      "description": "Text entered during posting",
      "example": "Miete 2020 03 Wohnung 123 Bahnhofsstraße 1",
      "type": "string"
    },
    "wertstellungsdatum": {
      "description": "Financial booking date in in yyyy-mm-dd HH:MM format.",
      "example": "2020-03-01 10:00",
      "type": "string"
    }
  },
  "required": [
    "betrag",
    "buchungsdatum",
    "id",
    "product",
    "provider",
    "tenant",
    "user",
    "verwendungszweck"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
betrag	number	true	none	Amount in Euros
buchungsdatum	string	true	none	Date the transaction was initiated in yyyy-mm-dd HH:MM format
buchungstext	string	false	none	Text entered during posting
gegenkontoBic	string	false	none	BIC of the counterparty
gegenkontoIban	string	false	none	IBAN of the counterparty
gegenkontoInhaber	string	false	none	Name of the counterparty
gegenkontoInhaberAbweichend	string	false	none	Name of the ultimate counterparty
gvCode	string	false	none	SEPA GV Code (Geschäftsvorfallcode)
hash	string	false	none	Hash value for historical ordering
id	string	true	none	Unique Universal Identifier (UUID)
primanotaNummer	string	false	none	Id used by the bank
product	string	true	none	Account which the transaction is associated with
provider	string	true	none	Id of the bank
tenant	string	true	none	Tenant ID to which the transaction belongs
user	string	true	none	Universally Unique Identifier of the user
verwendungszweck	string	true	none	Text entered during posting
wertstellungsdatum	string	false	none	Financial booking date in in yyyy-mm-dd HH:MM format.

v3_connect_put_schema

{
  "properties": {
    "tags": {
      "items": {
        "properties": {
          "systemId": {
            "example": 17,
            "type": "integer"
          },
          "systemName": {
            "example": "LIVING_GROCERIES",
            "type": "string"
          },
          "tagTree": {
            "properties": {
              "systemId": {
                "example": 1,
                "type": "integer"
              },
              "systemName": {
                "example": "CATEGORIES",
                "type": "string"
              }
            },
            "required": [
              "systemName"
            ],
            "type": "object"
          }
        },
        "required": [
          "systemName",
          "tagTree"
        ],
        "type": "object"
      },
      "type": "array"
    }
  },
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
tags	[tag_tree_item_input_schema]	false	none	none

v3_connect_user_rule_input_schema

{
  "properties": {
    "counterpartyIban": {
      "description": "IBAN of the counterparty",
      "example": "DE75512108001245126199",
      "type": "string"
    },
    "counterpartyName": {
      "description": "Name of the counterparty",
      "example": "ALLIANZ LV",
      "type": "string"
    },
    "tagTreeItem": {
      "allOf": [
        {
          "properties": {
            "systemId": {
              "example": 17,
              "type": "integer"
            },
            "systemName": {
              "example": "LIVING_GROCERIES",
              "type": "string"
            },
            "tagTree": {
              "properties": {
                "systemId": {
                  "example": 1,
                  "type": "integer"
                },
                "systemName": {
                  "example": "CATEGORIES",
                  "type": "string"
                }
              },
              "required": [
                "systemName"
              ],
              "type": "object"
            }
          },
          "required": [
            "systemName",
            "tagTree"
          ],
          "type": "object"
        }
      ],
      "description": "tag tree item to use for custom categorization"
    }
  },
  "required": [
    "counterpartyIban",
    "counterpartyName",
    "tagTreeItem"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
counterpartyIban	string	true	none	IBAN of the counterparty
counterpartyName	string	true	none	Name of the counterparty
tagTreeItem	tag_tree_item_input_schema	true	none	tag tree item to use for custom categorization

v3_output_connect_schema

{
  "properties": {
    "betrag": {
      "description": "Amount in Euros",
      "example": -3.94,
      "type": "number"
    },
    "buchungsdatum": {
      "description": "Date the transaction was initiated in yyyy-mm-dd HH:MM format",
      "example": "2020-03-01 10:00",
      "type": "string"
    },
    "buchungstext": {
      "description": "Text entered during posting",
      "example": "Lastschrift",
      "type": "string"
    },
    "gegenkontoBic": {
      "description": "BIC of the counterparty",
      "example": "PBNKDEFF",
      "type": "string"
    },
    "gegenkontoIban": {
      "description": "IBAN of the counterparty",
      "example": "DE75512108001245126199",
      "type": "string"
    },
    "gegenkontoInhaber": {
      "description": "Name of the counterparty",
      "example": "Erika Musterfrau",
      "type": "string"
    },
    "gegenkontoInhaberAbweichend": {
      "description": "Name of the ultimate counterparty",
      "example": "REWE",
      "type": "string"
    },
    "gvCode": {
      "description": "SEPA GV Code (Geschäftsvorfallcode)",
      "example": "082",
      "type": "string"
    },
    "hash": {
      "description": "Hash value for historical ordering",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "id": {
      "description": "Unique Universal Identifier (UUID)",
      "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
      "type": "string"
    },
    "primanotaNummer": {
      "description": "Id used by the bank",
      "example": "999001",
      "type": "string"
    },
    "product": {
      "description": "Account which the transaction is associated with",
      "example": "30cc4587-7e5f-450f-bb51-dc3829f67db4",
      "type": "string"
    },
    "provider": {
      "description": "Id of the bank",
      "example": "23d67ff8-ff6a-44ff-93da-f2af835394e4",
      "type": "string"
    },
    "tags": {
      "description": "List of tags of the transaction",
      "items": {
        "properties": {
          "entity": {
            "properties": {
              "displayName": {
                "description": "Display name of the entity",
                "example": "Kontoumsatz",
                "type": "string"
              },
              "entityClass": {
                "description": "Class of the entity, such as TRANSACTION or USER",
                "example": "TRANSACTION",
                "type": "string"
              },
              "id": {
                "description": "Transaction UUID or USER UUID.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              },
              "userId": {
                "description": "UUID of the USER. Same as id field for USER entities.",
                "example": "156ca508-c0e2-52c5-3202-8de20e7ed12b",
                "type": "string"
              }
            },
            "required": [
              "displayName",
              "entityClass",
              "id"
            ],
            "type": "object"
          },
          "id": {
            "description": "Unique Universal Identifier (UUID)",
            "example": "956ca508-c0e2-52c5-3202-8de20e7ed12b",
            "type": "string"
          },
          "relations": {
            "description": "List of relations",
            "items": {
              "properties": {
                "href": {
                  "description": "Link of the relation",
                  "example": "https://banksapi.io/tags/tag-trees/",
                  "type": "string"
                },
                "rel": {
                  "description": "Name of the relation",
                  "example": "tag_trees",
                  "type": "string"
                }
              },
              "required": [
                "href",
                "rel"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "tagTreeItem": {
            "properties": {
              "description": {
                "description": "Gives a description of the tagTreeItem",
                "example": "Expenses from daily grocery purchases",
                "type": "string"
              },
              "displayName": {
                "description": "User-friendly name shown to the end-users",
                "example": "Groceries",
                "type": "string"
              },
              "systemId": {
                "description": "Unique internal id of the tag tree item",
                "example": 17,
                "type": "integer"
              },
              "systemName": {
                "description": "Unique name of the tag tree item",
                "example": "LIVING_GROCERIES",
                "type": "string"
              },
              "systemNameParent": {
                "description": "Unique name of the parent of the tagTreeItem",
                "example": "LIVING",
                "type": "string"
              },
              "tagTree": {
                "allOf": [
                  {
                    "properties": {
                      "description": {
                        "description": "Gives a description of the tag tree",
                        "example": "Detailed inusrance categories.",
                        "type": "string"
                      },
                      "displayName": {
                        "description": "User-friendly name shown to the end-users",
                        "example": "Kategorien",
                        "type": "string"
                      },
                      "isTenantGenerated": {
                        "description": "Boolean flag, set TRUE if the tag was manually set",
                        "example": true,
                        "type": "boolean"
                      },
                      "systemId": {
                        "description": "Unique internal id of the tag tree",
                        "example": 1,
                        "type": "integer"
                      },
                      "systemName": {
                        "description": "Unique name of the tag tree",
                        "example": "CATEGORIES",
                        "type": "string"
                      },
                      "version": {
                        "description": "Version of the tag tree",
                        "example": 1.5,
                        "minimum": 0,
                        "type": "number"
                      }
                    },
                    "required": [
                      "displayName",
                      "isTenantGenerated",
                      "systemId",
                      "systemName",
                      "version"
                    ],
                    "type": "object"
                  }
                ],
                "description": "tagTree that the tagTreeItem belongs to"
              }
            },
            "required": [
              "displayName",
              "systemId",
              "systemName",
              "tagTree"
            ],
            "type": "object"
          }
        },
        "required": [
          "entity",
          "id",
          "tagTreeItem"
        ],
        "type": "object"
      },
      "type": "array"
    },
    "tenant": {
      "description": "Tenant ID to which the transaction belongs",
      "example": "1bcb487e-f409-4438-a358-d8d128581761",
      "type": "string"
    },
    "user": {
      "description": "Universally Unique Identifier of the user",
      "example": "624ca509-b0f2-42f6-b202-8de20e9ed12a",
      "type": "string"
    },
    "verwendungszweck": {
      "description": "Text entered during posting",
      "example": "Miete 2020 03 Wohnung 123 Bahnhofsstraße 1",
      "type": "string"
    },
    "wertstellungsdatum": {
      "description": "Financial booking date in in yyyy-mm-dd HH:MM format.",
      "example": "2020-03-01 10:00",
      "type": "string"
    }
  },
  "required": [
    "betrag",
    "buchungsdatum",
    "id",
    "product",
    "provider",
    "tenant",
    "user",
    "verwendungszweck"
  ],
  "type": "object"
}

Properties

Name	Type	Required	Restrictions	Description
betrag	number	true	none	Amount in Euros
buchungsdatum	string	true	none	Date the transaction was initiated in yyyy-mm-dd HH:MM format
buchungstext	string	false	none	Text entered during posting
gegenkontoBic	string	false	none	BIC of the counterparty
gegenkontoIban	string	false	none	IBAN of the counterparty
gegenkontoInhaber	string	false	none	Name of the counterparty
gegenkontoInhaberAbweichend	string	false	none	Name of the ultimate counterparty
gvCode	string	false	none	SEPA GV Code (Geschäftsvorfallcode)
hash	string	false	none	Hash value for historical ordering
id	string	true	none	Unique Universal Identifier (UUID)
primanotaNummer	string	false	none	Id used by the bank
product	string	true	none	Account which the transaction is associated with
provider	string	true	none	Id of the bank
tags	[tag_instance_schema]	false	none	List of tags of the transaction
tenant	string	true	none	Tenant ID to which the transaction belongs
user	string	true	none	Universally Unique Identifier of the user
verwendungszweck	string	true	none	Text entered during posting
wertstellungsdatum	string	false	none	Financial booking date in in yyyy-mm-dd HH:MM format.

Frequently Asked Questions

How do I get the banking products for my customer?

The banking products are available via the Banks/Connect Customer API. After you have authenticated your user, you must add a Bank Access. You will need the online banking credentials (credentials of your customer, which you transmit to us asymmetrically encrypted.

If the data retrieval is successful, the data is ready for retrieval via the API.

What are credentials?

Credentials are here defined as the customer's access data to his online banking. The credentials usually consist of a user ID/login name and a password/PIN. The concrete specification is different per provider and can be queried via the [Banks/Connect Providers API (#tocSauthenticationinfo).

What's a TAN?

A TAN (transaction number) is a random code that can only be used once. In the Banks/Connect Customer API the TAN is needed for the transfer process.

After the transfer data has been transmitted to the provider, the TAN or the instruction for TAN generation (e.g. chip card reader) is then sent directly from the provider to the customer. The TAN must then be queried by the customer and forwarded to Banks/Connect Customer API to confirm the order.

Is there a test account or a demo account?

Yes, there is a demo bank. It is a fictitious bank with fictitious but not unrealistic banking products. This test access demonstrates the possibilities our API offers you. There is no connection to the real world. For further information please refer to our [Quickstart Guide (#quick-start)

What is BANKSapi Banks/Connect?

BANKSapi Banks/Connect is an interface through which a large number of providers can obtain their customers'

accounts including account details, account transactions and transfers
custody accounts incl. total custody account holdings, valued individual custody account holdings and custody account risk
credit cards including credit card details and credit card transactions

Where and how is the data stored?

Depending on the selected range of services, we store the data for you permanently or only for a few minutes, but in any case in the high-security data center of DATEV eG or your own.

How much does BANKSapi Banks/Connect cost me?

Information about our price model can be found on the website.

Status	Meaning	Description	Schema
200	OK	Successfully modified tag(s).	None
400	Bad Request	BadRequest	None
403	Forbidden	Forbidden	None
422	Unprocessable Entity	UnprocessableEntity	None
500	Internal Server Error	InternalServerError	None

Name	Type	Required	Restrictions	Description
anonymous	[tags_tag_tree_schema]	false	none	none
» description	string	false	none	Gives a description of the tag tree
» displayName	string	true	none	User-friendly name shown to the end-users
» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
» relations	[relation_schema]	false	none	List of relations
»» href	string	true	none	Link of the relation
»» rel	string	true	none	Name of the relation
» systemId	integer	true	none	Unique internal id of the tag tree
» systemName	string	true	none	Unique name of the tag tree
» version	number	true	none	Version of the tag tree

Name	Type	Required	Restrictions	Description
anonymous	[extensive_tag_tree_item_schema]	false	none	none
» addressCity	string	false	none	Address city of the business partner
» addressCountry	string	false	none	Address country of the business partner
» addressStreet	string	false	none	Address street incl. number of the business partner
» addressZip	string	false	none	Address zip/postal code of the business partner
» categories	[string]	false	none	Categories the business partner belongs to.
» creditorId	string	false	none	creditor id of the business partner
» description	string	false	none	Gives a description of the tagTreeItem
» displayName	string	true	none	User-friendly name shown to the end-users
» group	string	false	none	Group the business partner belongs to.
» relations	[relation_schema]	false	none	List of relations
»» href	string	true	none	Link of the relation
»» rel	string	true	none	Name of the relation
» systemId	integer	true	none	Unique internal id of the tag tree item
» systemName	string	true	none	Unique name of the tag tree item
» systemNameParent	string	false	none	Unique name of the parent of the tagTreeItem
» tagTree	tag_tree_schema	true	none	tagTree that the tagTreeItem belongs to
»» description	string	false	none	Gives a description of the tag tree
»» displayName	string	true	none	User-friendly name shown to the end-users
»» isTenantGenerated	boolean	true	none	Boolean flag, set TRUE if the tag was manually set
»» systemId	integer	true	none	Unique internal id of the tag tree
»» systemName	string	true	none	Unique name of the tag tree
»» version	number	true	none	Version of the tag tree
» telephone	string	false	none	Telephone of the business partner
» website	string	false	none	Website of the business partner

BANKSapi BANKS/Connect

OpenAPI and Swagger

Interface strategy

Structure of interface and documentation

Before it gets started

Feedback

APIs

BANKS/Connect Auth API

BANKS/Connect Customer API

BANKS/Connect Providers API

BANKS/Connect AI API

Central Concepts

Authentication

Bank

User

Client

Correlation ID

CORS

Errors

HATEOAS

Timestamp

JSON

Client

OAuth2

Token types

Token levels

Token usage

Provider

Relation

REST

Service Provider

Language

Encryption

Versioning

Quick Start

What We're Going to Do

Create a Client Token

Create a User

Create a User Token

Create Bank Access

Query Bank Access

Query Turnovers

Force a Refresh of Data From the Bank

Renew Consent with SCA / TANs

Query Issues

Where to Go From Here

EBICS

Overview

Create an EBICS Account

Call the Add Bank Access Endpoint

Redirect the User

Initialization Letter Generation

Verify the Bank Access

User Sends Initialization Letter to the Bank

Successful Connection

Comparison to Non-EBICS Bank Accesses

Caveats

Initializing multiple times

Balance Retrieval Limitation

Historical Transaction Limitation

Transaction History Range

BANKSapi Auth API

BANKS/Connect Customer API

Topics & Concepts

REG/Protect (redirect solution)

Background update

Notifications (Webhooks)

Strong customer authentication

TAN medium

Customer IP Address

REG/Protect

Context info when returning to your app

Adding and authenticating a bank access

Triggering a payment

Operations with SCA

Encryption

Notifications

Notification object

Notification Type

Transaction Notification