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This User journey requires an Account Access Consent.
The Bank Data sharing service scope includes domestic payment accounts (i.e. payment accounts offered by LFIs located in UAE) in all available currencies.
A LFI may request a data transfer from another LFI on behalf of a User with the User’s consent. In the instance where a LFI is providing a service as a TPP, the LFI is subjected to the same rules and guidelines as a TPP would be, as specified in the Standard.
1.1 Data Sharing Segments
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Data Cluster language | Permissions | Permissions Language | Examples of Information available |
|---|---|---|---|
Your Account Details | Accounts Basic (ReadAccountsBasic) | Any other name by which you refer to this account | Currency of the account, Nickname of account assigned by the account owner (e.g. Fahd’s Household account’). Each Account will have a unique and immutable AccountId |
Accounts Detail (ReadAccountsDetail) | Your account name and number | Account Name, account identifier (may include account number, IBAN, mobile number, email address or other unique identifier) (plus all data provided in Accounts Basic) | |
Balances (ReadBalances) | Your account balance | Amount, Currency, Credit/Debit, Type of Balance, Date/Time, Credit Line. | |
Your Regular Payments | Beneficiaries Basic (ReadBeneficiariesBasic) | Payee agreements you have set up | List of Beneficiaries. |
Beneficiaries Detail (ReadBeneficiariesDetail) | Details of Payee agreements you have set up | Details of Beneficiaries account information (Name, account identifier such as IBAN, mobile number, email address or other unique identifier), Beneficiary Type and Account Holding Entity details (plus all data provided in Beneficiaries Basic) | |
Standing Order Basic (ReadStandingOrdersBasic) | Your Standing Orders | SO Info, Frequency, Creditor Reference Info, First/Next/Final Payment info, SO Status | |
Standing Order Detail (ReadStandingOrdersDetail) | Details of your Standing Orders | Details of Creditor Account Information (Name, account identifier such as IBAN, mobile number, email address or other unique identifier) (plus all data provided in SO Basic) | |
Direct Debits (ReadDirectDebits) | Your Direct Debits | Mandate info, Status, Name, Previous payment information, Frequency | |
Scheduled Payments Basic (ReadScheduledPaymentsBasic) | Recurring and future dated payments from your card account | Scheduled dates, currency, amount, reference. Does not include information about the beneficiary. | |
Scheduled Payments Detail (ReadScheduledPaymentsDetail) | Details of recurring and future dated payments from your card account | Scheduled dates, currency, amount, reference. Includes information about the beneficiary. | |
Your Account Transactions | Transactions Credits (ReadTransactionsCredits) | Details of your incoming transactions | Transaction Information on payments made into the User’s account (Reference, Amount, Status, Booking Data Info, Value Date info, Transaction Code). Includes information about the entity that made the payment. |
Transactions Debits (ReadTransactionsDebits) | Details of your outgoing transactions | Same as above, but for debits. | |
Transactions Basic (ReadTransactionsBasic) | Your transactions | Transaction Information on payments for both credits in and debits out of the User’s account (Reference, Amount, Status, Booking Data Info, Value Date info, Transaction Code). Does not include information about the payer/payee. | |
Transactions Detail (ReadTransactionsDetail) | Details of your transactions | Transaction Information on payments made both credits in and debits out of the User's account (Reference, Amount, Status, Booking Data Info, Value Date info, Transaction Code, Merchant Category Code). Includes information about the payer/payee. | |
Your Product Information | Product Information (ReadProduct) | Details of your banking products | Account product information for a specific AccountID |
Contact and party detailsParty Details | Party User (ReadPartyPSUReadPartyUser) | Returns highHigh-level information on the successfully authorized user linked to the account at the TPP. | The party type, account role, and full Legal Name. |
Party User Identity (ReadPartyPSUIdentityReadPartyUserIdentity) | Returns full Full KYC information on the successfully authorized user linked to the account at the TPP. | The party type, account role, address, date of birth, Emirates ID. | |
Party (ReadParty) | Returns an An array with high-level information on the account owner(s)/holder(s). | The party type, account role, and full Legal Name. |
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