Danske Bank (UK) Account and Transaction API
OBIE Read/Write Account and Transaction Information API (AIS, v4.0) for accessing account details, balances, transactions, beneficiaries, standing orders, direct debits, and statements. FAPI-secured with OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication; requires TPP onboarding via the Open Banking Directory.
Danske Bank (UK) Account and Transaction API is one of 11 APIs that Danske Bank (UK) publishes on the APIs.io network, described by a machine-readable OpenAPI specification.
Tagged areas include Account Information, AIS, and Open Banking. The published artifact set on APIs.io includes an OpenAPI specification and API documentation.
This API exposes 13 operations across 12 paths, organized into 10 resource areas, and defines 186 schemas. It is described by OpenAPI 3.0.0, at version 4.0.0.
Requests are made against a single base URL, https://obp-api.danskebank.com/open-banking/v4.0/aisp.
13 operations
12 paths
186 schemas
1 DELETE11 GET1 POST
Metadata
The identity and technical contract details declared by the specification.
Authentication & Security 1
Danske Bank (UK) Account and Transaction API declares
1 security scheme
for authenticating requests.
It accepts HTTP bearer tokens (JWT) (BearerAuth).
Paths & Operations 13
Across 12 paths, the API surfaces 13 operations — 1 DELETE, 11 GET, 1 POST. They span 10 resource areas: Account Access, Accounts, Balances, Beneficiaries, Direct Debits, Products, Scheduled Payments, Standing Orders, Transactions, Parties. Each is listed below with its method, path, parameters, and response codes.
Account Access 3
POST
/account-access-consents
Create Account Access Consents
GET
/account-access-consents/{ConsentId}
Get Account Access Consents
DELETE
/account-access-consents/{ConsentId}
Delete Account Access Consents
Accounts 2
GET
/accounts
Get Accounts
GET
/accounts/{AccountId}
Get Accounts
Balances 1
GET
/accounts/{AccountId}/balances
Get Balances
Beneficiaries 1
GET
/accounts/{AccountId}/beneficiaries
Get Beneficiaries
Direct Debits 1
GET
/accounts/{AccountId}/direct-debits
Get Direct Debits
Products 1
GET
/accounts/{AccountId}/product
Get Products
Scheduled Payments 1
GET
/accounts/{AccountId}/scheduled-payments
Get Scheduled Payments
Standing Orders 1
GET
/accounts/{AccountId}/standing-orders
Get Standing Orders
Transactions 1
GET
/accounts/{AccountId}/transactions
Get Transactions
Parties 1
GET
/party
Get Parties
Schemas 186
The contract defines 186 schemas that model the data the API accepts and returns. The most detailed are OBTransaction6 (29 properties), OBPostalAddress7 (18 properties), OBStandingOrder6 (15 properties), OBParty2 (14 properties). Each schema is shown below with its type and property counts.
ExternalCreditorReferenceType1Code
string
Specifies the type of creditor reference as published in an external creditor reference type code set. For more information see ExternalCreditorReferenceType1C…
ExternalDocumentType1Code
string
Specifies the document type as published in an external document type code list. For more information see ExternalDocumentType1Code in ISOExternalCodeSet [here…
OBReferredDocumentInformation
object
5 properties
OBRemittanceInformation2
object
Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' rec…
2 properties
OBRemittanceInformationStructured
object
7 properties
OBUltimateCreditor1
object
Ultimate party to which an amount of money is due.
5 properties
OBUltimateDebtor1
object
Ultimate party that owes an amount of money to the (ultimate) creditor.
5 properties
OBFrequency6
object
Regularity with which credit transfer instructions are to be created and processed
3 properties
1 required
PointInTime
string
Exact2NumericText - Further information on the exact point in time the event should take place. Specifies a frequency in terms of an exact point in time or mom…
OBFrequency6Code
string
For a full list of values see OBFrequency6Code in OBInternalCodeSet [here](https://github.com/OpenBankingUK/ExternalInternalCodeSets) Values supported by Dansk…
OBProxy1
object
Specifies an alternate assumed name for the identification of the account.
3 properties
2 required
ExternalProxyAccountType1Code
string
Specifies the external proxy account type code, as published in the proxy account type external code set. For more information and a full list of values see Ex…
AccountId
string
A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
ActiveOrHistoricCurrencyCode_0
string
Identification of the currency in which the account is held. Usage: Currency should only be used in case one and the same account number covers several currenc…
ActiveOrHistoricCurrencyCode_1
string
A code allocated to a currency by a Maintenance Agency under an international identification scheme, as described in the latest edition of the international st…
AddressLine
string
Information that locates and identifies a specific address for a transaction entry, that is presented in free format text.
BeneficiaryId
string
A unique and immutable identifier used to identify the beneficiary resource. This identifier has no meaning to the account owner.
BookingDateTime
string
Date and time when a transaction entry is posted to an account on the account servicer's books. Usage: Booking date is the expected booking date, unless the st…
BuildingName
string
Name of a referenced building.
BuildingNumber
string
Number that identifies the position of a building on a street.
CareOf
string
The 'care of' address is used whenever sending mail to a person or organisation who does not actually live or work at the address. They will receive the mail f…
CreationDateTime
string
Date and time at which the resource was created. All dates in the JSON payloads are represented in ISO 8601 date-time format. All date-time fields in responses…
DebtorReference
string
A reference value provided by the PSU to the PISP while setting up the scheduled payment.
Description_0
string
Specifies the description of the account type.
Description_3
string
Description to describe the purpose of the code
DirectDebitId
string
A unique and immutable identifier used to identify the direct debit resource. This identifier has no meaning to the account owner.
DistrictName
string
Number that of the regional area, known as a district, which forms part of an address
EmailAddress
string
Address for electronic mail (e-mail).
Floor
string
Number that identifies the level within a building
FullLegalName
string
Specifies a character string with a maximum length of 350 characters.
ISODateTime
string
All dates in the JSON payloads are represented in ISO 8601 date-time format. All date-time fields in responses must include the timezone. An example is below:…
Identification_0
string
Identification assigned by an institution to identify an account. This identification is known by the account owner.
Identification_1
string
Unique and unambiguous identification of the servicing institution.
Identification_2
string
Unique and unambiguous identification of a financial institution or a branch of a financial institution.
Identification_3
string
Identification of the organisation issuing the invoice, when it is different from the creditor or ultimate creditor
Identification_4
string
dentification of the party to whom an invoice is issued, when it is different from the debtor or ultimate debtor.
LastPaymentDateTime
string
The date on which the last (most recent) payment for a Standing Order schedule was made. All dates in the JSON payloads are represented in ISO 8601 date-time f…
LEI
string
Legal entity identification as an alternate identification for a party. Legal Entity Identifier is a code allocated to a party as described in ISO 17442 Financ…
Links
object
Links relevant to the payload
5 properties
1 required
MaturityDate
string
Maturity date of the account. All dates in the JSON payloads are represented in ISO 8601 date-time format. All date-time fields in responses must include the t…
Meta
object
Meta Data relevant to the payload
3 properties
Name_0
string
The account name is the name or names of the account owner(s) represented at an account level, as displayed by the ASPSP's online channels. Note, the account n…
Name_1
string
Name by which an agent is known and which is usually used to identify that agent.
Name_2
string
Name of Service User.
Name_3
string
Name by which a party is known and which is usually used to identify that party.
Name_4
string
Long name associated with the code
NextPaymentDateTime
string
The date on which the next payment for a Standing Order schedule will be made. All dates in the JSON payloads are represented in ISO 8601 date-time format. All…
Nickname
string
The nickname of the account, assigned by the account owner in order to provide an additional means of identification of the account.
NumberOfPayments
string
Number of the payments that will be made in completing this frequency sequence including any executed since the sequence start date.
Number_0
integer
Indicates whether the advertised overdraft rate is guaranteed to be offered to a borrower by the bank e.g. if it's part of a government scheme, or whether the…
Number_1
integer
fee/charges are captured dependent on the number of occurrences rather than capped at a particular amount
OBAccount6
object
Unambiguous identification of the account to which credit and debit entries are made. The following fields are optional only for accounts that are switched: Cu…
14 properties
1 required
OBInternalAccountStatus1Code
string
Specifies the status of account resource in code form.
OBActiveCurrencyAndAmount_SimpleType
string
A number of monetary units specified in an active currency where the unit of currency is explicit and compliant with ISO 4217.
OBActiveOrHistoricCurrencyAndAmount_0
object
The amount of the most recent direct debit collection.
2 properties
2 required
OBActiveOrHistoricCurrencyAndAmount_1
object
Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party. Usage:…
2 properties
2 required
OBActiveOrHistoricCurrencyAndAmount_10
object
Transaction charges to be paid by the charge bearer.
2 properties
2 required
OBActiveOrHistoricCurrencyAndAmount_11
object
The amount of the last (most recent) Standing Order instruction.
2 properties
2 required
OBActiveOrHistoricCurrencyAndAmount_2
object
The amount of the first Standing Order
2 properties
2 required
OBActiveOrHistoricCurrencyAndAmount_3
object
The amount of the next Standing Order.
2 properties
2 required
OBActiveOrHistoricCurrencyAndAmount_4
object
The amount of the final Standing Order
2 properties
2 required
OBActiveOrHistoricCurrencyAndAmount_9
object
Amount of money in the cash transaction entry.
2 properties
2 required
OBAddressType2Code
string
Identifies the nature of the postal address. For a full set of codes see OBAddressType2Code in OBInternalCodeSet [here](https://github.com/OpenBankingUK/Extern…
OBBCAData1
object
4 properties
OBBalanceType1Code
string
Balance type, in a coded form.
OBBankTransactionCodeStructure1
object
Set of elements used to fully identify the type of underlying transaction resulting in an entry.
2 properties
2 required
OBBeneficiary5
object
7 properties
OBBranchAndFinancialInstitutionIdentification5_0
object
Party that manages the account on behalf of the account owner, that is manages the registration and booking of entries on the account, calculates balances on t…
3 properties
2 required
OBBranchAndFinancialInstitutionIdentification5_1
object
Party that manages the account on behalf of the account owner, that is manages the registration and booking of entries on the account, calculates balances on t…
5 properties
2 required
OBBranchAndFinancialInstitutionIdentification6_0
object
Party that manages the account on behalf of the account owner, that is manages the registration and booking of entries on the account, calculates balances on t…
5 properties
OBBranchAndFinancialInstitutionIdentification6_1
object
Financial institution servicing an account for the creditor.
5 properties
OBBranchAndFinancialInstitutionIdentification6_2
object
Financial institution servicing an account for the debtor.
5 properties
OBCashAccount5_0
object
Provides the details to identify the beneficiary account.
5 properties
2 required
OBCashAccount5_1
object
Provides the details to identify the beneficiary account.
5 properties
2 required
OBCashAccount6_0
object
Unambiguous identification of the account of the creditor, in the case of a debit transaction.
5 properties
OBCashAccount6_1
object
Unambiguous identification of the account of the debtor, in the case of a crebit transaction.
5 properties
ExternalCategoryPurpose1Code
string
Enumeration of codes that outlines the type of purpose behind a transaction, payment or risk. For all enum values see ExternalCategoryPurpose1Code in ISOExtern…
OBExternalMandateClassification1Code
string
Type of mandate instruction. For a full list of values see OBExternalMandateClassification1Code in OBInternalCodeSet [here](https://github.com/OpenBankingUK/Ex…
OBCommunicationMethod
string
For a full list of enumeration values see OBExternalCommunicationMethod2Code in OBInternalCodeSet [here](https://github.com/OpenBankingUK/ExternalinternalCodeS…
OBCreditDebitCode_1
string
Indicates whether the transaction is a credit or a debit entry.
OBCreditDebitCode_2
string
Indicates whether the balance is a credit or a debit balance. Usage: A zero balance is considered to be a credit balance.
OBCurrencyExchange5
object
Set of elements used to provide details on the currency exchange.
7 properties
2 required
ExternalEntryStatus1Code
string
Status of a transaction entry on the books of the account servicer.
OBInternalTransactionMutability1Code
string
Specifies the Mutability of the Transaction record. Please note, since balance is a part of response, and DB allows (under certain circumstances) to back value…
OBError1
object
4 properties
1 required
OBErrorResponse1
object
An array of detail error codes, and messages, and URLs to documentation to help remediation.
2 properties
1 required
OBInternalAccountIdentification4Code
string
Name of the identification scheme, in a coded form as published in an external list.
OBInternalAccountRole1Code
string
A party’s role with respect to the related account.
OBExternalAccountSubType1Code
string
Specifies the sub type of account (product family group). For a full list of enumeration values see OBExternalCashAccountType1Code in OBInternalCodeSet [here](…
OBInternalAccountType1Code
string
Specifies the type of account (personal or business).
OBInternalFinancialInstitutionIdentification4Code
string
Name of the identification scheme, in a coded form as published in an external list.
OBInternalSwitchStatusCode
string
Specifies the switch status for the account, in a coded form. For a full list of enumeration values refer to OBInternalSwitchStatusCode in OBInternalCodeSet [h…
OBInternalLegalStructureType1Code
string
Legal standing of the party. For a full list refer to OBInternalLegalStructureType1Code in OBInternalCodeSet [here](https://github.com/OpenBankingUK/ExternalIn…
OBInternalPartyType1Code
string
Party type, in a coded form.
OBExternalPurpose1Code
string
For a full list of enumeration values refer to ExternalPurpose1Code in ISOExternalCodeSet [here](https://github.com/OpenBankingUK/ExternalInternalCodeSets)
OBInternalScheduleType1Code
string
Specifies the scheduled payment date type requested. For a full list of enumeration values refer to OBInternalScheduleType1Code in OBInternalCodeSet [here](htt…
ExternalMandateStatus1Code
string
Specifies the status of the standing order in code form. For a full list of enumeration values refer to 'ExternalMandateStatus1Code' in ISOExternalCodeset [her…
OBFrequency2
string
For a full list of enumeration values refer to OBFrequency2Code in OBInternalCodeSet [here](https://github.com/OpenBankingUK/ExternalinternalCodeSets)
OBFileFormat
string
For a full list of enumeration values refer to ExternalDocumentFormat1Code in OBInternalCodeSet [here](https://github.com/OpenBankingUK/ExternalinternalCodeSet…
OBExternalStatusReason1Code
string
Low level textual error code, for all enum values see ExternalReason1Code [here](https://github.com/OpenBankingUK/ExternalInternalCodeSets)
OBMandateRelatedInformation1
object
Provides further details of the mandate signed between the creditor and the debtor.
8 properties
1 required
OBMerchantDetails1
object
Details of the merchant involved in the transaction.
2 properties
OBPCAData1
object
4 properties
OBParty2
object
14 properties
1 required
OBPartyRelationships1
object
The Party's relationships with other resources.
1 property
OBPostalAddress7
object
Information that locates and identifies a specific address, as defined by postal services.
18 properties
OBReadAccount6
object
3 properties
1 required
OBReadBalance1
object
3 properties
1 required
OBReadBeneficiary5
object
3 properties
1 required
OBReadConsent1
object
2 properties
2 required
OBReadConsentResponse1
object
4 properties
2 required
OBReadDataTransaction6
object
1 property
OBReadDirectDebit2
object
3 properties
1 required
OBReadParty2
object
3 properties
1 required
OBReadProduct2
object
Product details of Other Product which is not avaiable in the standard list
3 properties
1 required
OBReadScheduledPayment3
object
3 properties
1 required
OBReadStandingOrder6
object
3 properties
1 required
OBReadTransaction6
object
3 properties
1 required
OBRisk2
object
The Risk section is sent by the initiating party to the ASPSP. It is used to specify additional details for risk scoring for Account Info.
OBScheduledPayment3
object
9 properties
4 required
OBStandingOrder6
object
15 properties
1 required
OBStatusReason
object
3 properties
OBSupplementaryData1
object
Additional information that can not be captured in the structured fields and/or any other specific block.
OBSupplementaryDataStandingOrders1
object
Danske specific remittance information.
2 properties
OBTransaction6
object
Provides further details on an entry in the report.
29 properties
5 required
OBTransactionCardInstrument1
object
Set of elements to describe the card instrument used in the transaction.
4 properties
1 required
OBTransactionCashBalance
object
Set of elements used to define the balance as a numerical representation of the net increases and decreases in an account after a transaction entry is applied…
3 properties
3 required
OB_Amount1_0
string
Cap amount charged for a fee/charge
OB_Amount1_1
string
Every additional tranche of an overdraft balance to which an overdraft fee is applied
OB_Amount1_2
string
Amount charged for an overdraft fee/charge (where it is charged in terms of an amount rather than a rate)
OB_Amount1_3
string
Fee Amount charged for a fee/charge (where it is charged in terms of an amount rather than a rate)
OB_Amount1_4
string
Cap amount charged for a fee/charge (where it is charged in terms of an amount rather than a rate)
OB_CodeMnemonic
string
The four letter Mnemonic used within an XML file to identify a code
OB_FeeCategory1Code
string
Categorisation of fees and charges into standard categories.
OB_FeeFrequency1Code_0
string
Frequency at which the overdraft charge is applied to the account
OB_FeeFrequency1Code_1
string
How often is the overdraft fee/charge calculated for the account.
OB_FeeFrequency1Code_2
string
How frequently the fee/charge is applied to the account
OB_FeeFrequency1Code_3
string
How frequently the fee/charge is calculated
OB_FeeFrequency1Code_4
string
Period e.g. day, week, month etc. for which the fee/charge is capped
OB_FeeType1Code
string
Fee/Charge Type
OB_InterestCalculationMethod1Code
string
Methods of calculating interest
OB_InterestFixedVariableType1Code
string
Type of interest rate, Fixed or Variable
OB_InterestRateType1Code_0
string
Rate type for overdraft fee/charge (where it is charged in terms of a rate rather than an amount)
OB_InterestRateType1Code_1
string
Rate type for Fee/Charge (where it is charged in terms of a rate rather than an amount)
OB_MinMaxType1Code
string
Min Max type
OB_OtherCodeType1_0
object
3 properties
2 required
OB_OtherCodeType1_1
object
Other application frequencies that are not available in the standard code list
3 properties
2 required
OB_OtherCodeType1_2
object
Other calculation frequency which is not available in the standard code set.
3 properties
2 required
OB_OtherCodeType1_3
object
Other Fee type which is not available in the standard code set
3 properties
2 required
OB_OtherCodeType1_4
object
Other fee rate type code which is not available in the standard code set
3 properties
2 required
OB_OtherCodeType1_5
object
Other fee rate type which is not in the standard rate type list
3 properties
2 required
OB_OtherCodeType1_6
object
Other application frequencies not covered in the standard code list
3 properties
2 required
OB_OtherCodeType1_7
object
Other calculation frequency which is not available in standard code set.
3 properties
2 required
OB_OtherCodeType1_8
object
Other fee rate type which is not available in the standard code set
3 properties
2 required
OB_OtherFeeChargeDetailType
object
Other Fee/charge type which is not available in the standard code set
4 properties
3 required
OB_OverdraftFeeType1Code
string
Overdraft fee type
OB_Period1Code
string
Period e.g. day, week, month etc. for which the fee/charge is capped
OB_Rate1_0
string
Rate charged for overdraft fee/charge (where it is charged in terms of a rate rather than an amount)
OB_Rate1_1
string
Rate charged for Fee/Charge (where it is charged in terms of a rate rather than an amount)
OpeningDate
string
Date on which the account and related basic services are effectively operational for the account owner. All dates in the JSON payloads are represented in ISO 8…
PartyId
string
A unique and immutable identifier used to identify the customer resource. This identifier has no meaning to the account owner.
PartyNumber
string
Number assigned by an agent to identify its customer.
PhoneNumber_0
string
Collection of information that identifies a phone number, as defined by telecom services.
PhoneNumber_1
string
Collection of information that identifies a mobile phone number, as defined by telecom services.
PostBox
string
Information that locates and identifies a box in a post office assigned to a person or organization, where letters for them are kept until called for.
PostCode
string
Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail.
PreviousPaymentDateTime
string
Date of most recent direct debit collection. All dates in the JSON payloads are represented in ISO 8601 date-time format. All date-time fields in responses mus…
ProprietaryBankTransactionCodeStructure1
object
Set of elements to fully identify a proprietary bank transaction code.
2 properties
1 required
Reference
string
Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction. Usage: If available, the initiating party should provide this…
Room
string
Information that locates and identifies a room to form part of an address
OBExtendedProprietaryBankTransactionCode
object
Additional proprietary bank transaction codes used by the ASPSP for the underlying transaction
3 properties
1 required
OBInternalBeneficiaryType1Code
string
Specifies the Beneficiary Type.
ScheduledPaymentDateTime
string
The date on which the scheduled payment will be made. All dates in the JSON payloads are represented in ISO 8601 date-time format. All date-time fields in resp…
ScheduledPaymentId
string
A unique and immutable identifier used to identify the scheduled payment resource. This identifier has no meaning to the account owner.
SecondaryIdentification
string
This is secondary identification of the account, as assigned by the account servicing institution. This can be used by building societies to additionally ident…
StandingOrderId
string
A unique and immutable identifier used to identify the standing order resource. This identifier has no meaning to the account owner.
StatementFrequencyAndFormat
array
StatementReference
string
Unique reference for the statement. This reference may be optionally populated if available.
StatusUpdateDateTime
string
Date and time at which the resource status was updated. All dates in the JSON payloads are represented in ISO 8601 date-time format. All date-time fields in re…
StreetName
string
Name of a street or thoroughfare.
TownName
string
Name of a built-up area, with defined boundaries, and a local government.
TransactionId
string
Unique identifier for the transaction within an servicing institution. This identifier is both unique and immutable.
TransactionInformation
string
Further details of the transaction. This is the transaction narrative, which is unstructured text. Danske Bank: The following fields in the mentioned order are…
TransactionReference
string
Unique reference for the transaction. This reference is optionally populated, and may as an example be the FPID in the Faster Payments context.
UnitNumber
string
Number that identifies the unit of a specific address .
ValueDateTime
string
Date and time at which assets become available to the account owner in case of a credit entry, or cease to be available to the account owner in case of a debit…
Specification
The full machine-readable OpenAPI contract behind this narrative.
Source
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#Account Information#AIS#Open Banking
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