Appendices

Card-Specific Permissions & Data Clusters for AIS Journeys

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Published 2 years ago 04 Apr 2022

If an AISP is asking for data access solely to a card account they should adjust the language they use to describe the ASPSP (e.g. “card provider” rather than “bank”) and certain data clusters and permissions.

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If an AISP is asking for data access solely to a card account they should adjust the language they use to describe the ASPSP (e.g. “card provider” rather than “bank”) and certain data clusters and permissions. Card specific language is shown in blue.

Data Cluster LanguageAPI End PointsPermissionsPermissions LanguageInformation available
Your Account DetailsAccountsAccounts BasicAny other name by which you refer to this accountCurrency of the account, Nickname of account (e.g. ‘Jakes Household account’).
Accounts DetailYour account name, number and sort-codeAccount Name, Sort Code, Account Number, IBAN, Roll Number (used for Building Society) (plus all data provided in Accounts Basic).
BalancesBalancesYour account balanceAmount, Currency, Credit/Debit, Type of Balance, Date/Time, Credit Line.
All where PAN is availablePANYour long card numberPAN masked or unmasked depending on how ASPSP displays online currently.
Your Regular PaymentsBeneficiariesBeneficiaries BasicPayee agreements you have set upList of Beneficiaries.
Beneficiaries DetailDetails of Payee agreements you have set upDetails of Beneficiaries account information (Name, Sort Code, Account) (plus all data provided in Beneficiaries Basic).
Standing OrdersStanding Order BasicYour Standing OrdersSO Info, Frequency, Creditor Reference Info, First/Next/Final Payment info.
Standing Order DetailDetails of your Standing OrdersDetails of Creditor Account Information (Name, Sort Code, Account) (plus all data provided in Standing Order Basic).
Direct DebitsDirect DebitsYour Direct DebitsMandate info, Status, Name, Previous payment information.
Scheduled PaymentsScheduled Payments BasicRecurring and future dated payments from your card accountScheduled dates, amount, reference. Does not include information about the beneficiary.
Scheduled Payments DetailDetails of recurring and future dated payments from your card accountScheduled dates, amount, reference. Includes information about the beneficiary.
Your Account TransactionsTransactionsTransactions Basic CreditsYour incoming transactionsTransaction Information on payments made into the customer’s account (Reference, Amount, Status, Booking Data Info, Value Date info, Transaction Code). Does not include information about the entity that made the payment.
Transactions Basic DebitsYour outgoing transactionsSame as above, but for debits.
Transactions Detail CreditsDetails of your incoming transactionsTransaction Information on payments made into the customer’s account (Reference, Amount, Status, Booking Data Info, Value Date info, Transaction Code). Includes information about the entity that made the payment.
Transactions Detailed DebitsDetails of your outgoing transactionsSame as above but for debits.
Transactions BasicYour transactionsTransaction Information on payments for both credits in and debits out of the customer’s account (Reference, Amount, Status, Booking Data Info, Value Date info, Transaction Code). Does not include information about the payer/payee.
Transactions DetailDetails of your transactionsTransaction Information on payments made both credits in and debits out of the customer’s account (Reference, Amount, Status, Booking Data Info, Value Date info, Transaction Code). Includes information about the payer/payee.
Your StatementsStatementsStatements BasicInformation contained in your statementAll statement information excluding specific amounts related to various balance types, payments due etc.
Statements DetailDetails of information contained in your statementAll statement information including specific amounts related to various balance types, payments due etc.
Your Card Features and BenefitsProductsProductProduct details – fees, charges, interest, benefits/rewardsRefers to customer account product details defined in the Open data API ( the fees, charges, interest, benefits/rewards). Applicable to PCA and BCA.
OffersOffersOffers available on your card accountBalance transfer, promotional rates, limit increases, start & end dates.
Contact and party detailsPartyPartyPSUThe name of the account and your full legal name.
Optionally this can also include your address, telephone number and email address.		The name of the account. Full Legal Name, Address, telephone numbers and email address of the PSU as held by the bank/card issuer and party type (sole/joint etc.).
Account specific:
Parties
Party		PartyThe name of the account and the full legal name(s) of all parties.
Optionally this can also include their address or addresses, telephone 		The name of the account. Full Legal Name(s), Account Role(s), Beneficial Ownership, Legal Structure, Address or addresses, telephone numbers and email address as held by the bank/card issuer and party type (sole/joint etc.).

Note:  With respect to the clusters and permissions language, ASPSPs should consider whether the language that is displayed to the PSUis appropriate when the information being accessed relates to more than one party. For example, “Your data” may need to be adapted to just “data” to indicate to the PSU that the account information being displayed may not be solely specific to them as is the case of joint accounts, when the account information of both parties is requested.