Data Access

Access to customer data can be obtained by sending requests to our interface Account Information Service (AIS) data endpoints. We provide support for accounts, balances, statements and transactions of the Open Banking Specification 3.1.2

All data endpoints are served over MTLS. Therefore, TPPs must present a valid OpenBanking transport certificate to successfully connect. Each request MUST also include an Authorization header containing the access token issued in response to the authorization_code grant for a given consent.

We do not currently provide pagination on any of the data endpoints. Our interface implements rate-limiting on TPP data requests. Where the customer is not present (as indicated by the absence of a x-fapi-customer-ip-address header) and the rate limit is reached, a 429 response will be returned.

Accounts

Our implementation supports individual and bulk Account requests.

Bulk Accounts Data

GET /accounts

Allows a TPP to enumerate the accounts for a given consent and obtain the details of those accounts.

The consent associated with the presented access token must have been created with either the ReadAccountsBasic or ReadAccountsDetail permission.

The account details returned will depend on which permission was included in the original consent. If a 'Detail' permission is present, then the information returned with have a greater level of detail.

Request Arguments

Parameter	Description
accessToken Required	The access token you were provided.

$ curl -X get "https://open-banking.capitalone.co.uk/open-banking/v3.1/aisp/accounts" \
    -H "accept: application/json" \
    -H 'Authorization: Bearer $accessToken'

Response Arguments

Parameter	Description
AccountId	An identifier for the customer account. This is guaranteed to be unique and persistent for a given ConsentId.
Currency	Capital One accounts are always reported in GBP.
AccountType	Although the OpenBanking specification supports values of 'Personal' and 'Business' for this data field, Capital One APIs will only ever report 'Personal' accounts.
AccountSubType	Although the OpenBanking specification supports a number of allowed values for this data field, Capital One APIs will only ever report accounts with a subtype of 'CreditCard'.
Description	A textual description of the account.
SchemeName	Although the OpenBanking specification supports a number of allowed values for this data field, Capital One APIs will only ever report accounts for the 'UK.OBIE.PAN' scheme.
Identification	A masked version of the Primary Account Number (PAN).

Example 200 Response

{
  "Data": {
    "Account": [
      {
        "AccountId": "string",
        "Currency": "GBP",
        "AccountType": "Personal",
        "AccountSubType": "CreditCard",
        "Description": "string",
        "Account": {
          "SchemeName": "UK.OBIE.PAN",
          "Identification": "string"
        }
      }
    ]
  },
  "Links": {
    "Self": "string"
  },
  "Meta": {
    "TotalPages": 1
  }
}

To perform this operation, you must be authenticated by means of one of the following methods: OAuth2 Authorization Code

Account Data

GET /accounts/{AccountId}

Retrieves account information for the specified account ID.

The consent associated with the presented access token must have been created with either the ReadAccountsBasic or ReadAccountsDetail permission.

The level of detail returned in the response will depend on which permission was included in the original consent. If a 'Detail' permission is present, then the information returned with have a greater level of detail.

Request Arguments

Parameter	Description
accessToken Required	The access token you were provided.
AccountId Required	The ID of the account to retrieve.

$ curl -X get "https://open-banking.capitalone.co.uk/open-banking/v3.1/aisp/accounts/$AccountId" \
    -H "accept: application/json" \
    -H 'Authorization: Bearer $accessToken'

Response Arguments

Parameter	Description
AccountId	An identifier for the customer account. This is guaranteed to be unique and persistent for a given ConsentId.
Currency	Capital One accounts are always reported in GBP.
AccountType	Although the OpenBanking specification supports values of 'Personal' and 'Business' for this data field, Capital One APIs will only ever report 'Personal' accounts.
AccountSubType	Although the OpenBanking specification supports a number of allowed values for this data field, Capital One APIs will only ever report accounts with a subtype of 'CreditCard'.
Description	A textual description of the account.
SchemeName	Although the OpenBanking specification supports a number of allowed values for this data field, Capital One APIs will only ever report accounts for the 'UK.OBIE.PAN' scheme.
Identification	A masked version of the Primary Account Number (PAN).

Example 200 Response

{
  "Data": {
    "Account": [
      {
        "AccountId": "string",
        "Currency": "GBP",
        "AccountType": "Personal",
        "AccountSubType": "CreditCard",
        "Description": "string",
        "Account": {
          "SchemeName": "UK.OBIE.PAN",
          "Identification": "string"
        }
      }
    ]
  },
  "Links": {
    "Self": "string"
  },
  "Meta": {
    "TotalPages": 1
  }
}

To perform this operation, you must be authenticated by means of one of the following methods: OAuth2 Authorization Code

Balances

Our implementation supports individual and bulk Balances requests.

Bulk Balances Data

GET /balances

Retrieves balance information for all accounts associated with the customer consent granted for the access token presented.

The consent associated with the presented access token must have been created with the ReadBalances permission.

Request Arguments

Parameter	Description
accessToken Required	The access token you were provided.

$ curl -X get "https://open-banking.capitalone.co.uk/open-banking/v3.1/aisp/balances" \
    -H "accept: application/json" \
    -H 'Authorization: Bearer $accessToken'

Response Arguments

Parameter	Description
AccountId	An identifier for the customer account. This is guaranteed to be unique and persistent for a given ConsentId.
Amount	A numeric value indicating the current balance for the account.
Currency	The currency in which the balance value is being reported.
CreditDebitIndicator	An indicator as to whether the account balance is in credit or debit.
Type	Balance type, in a coded form. Capital One will only ever report OpeningBooked.
DateTime	The Date/Time (UTC) of the balance.
Included	Indicates whether or not the credit line is included in the balance of the account.
Type	The type of the credit limit.
Amount	A numeric value indicating the monetary units to describe the credit line.
Currency	The currency in which the credit line amount is being reported.

Example 200 Response

{
  "Data": {
    "Balance": [
      {
        "AccountId": "string",
        "Amount": {
          "Amount": "string",
          "Currency": "string"
        },
        "CreditDebitIndicator": "Credit",
        "Type": "OpeningBooked",
        "DateTime": "string",
        "CreditLine": {
          "Included": true,
          "Type": "Credit",
          "Amount": {
            "Amount": "string",
            "Currency": "string"
          }
        }
      }
    ]
  },
  "Links": {
    "Self": "string"
  },
  "Meta": {
    "TotalPages": 1
  }
}

To perform this operation, you must be authenticated by means of one of the following methods: OAuth2 Authorization Code

Balance Data

GET /accounts/{AccountId}/balances

Retrieves balance information for the specified account ID.

The consent associated with the presented access token must have been created with the ReadBalances permission.

Request Arguments

Parameter	Description
accessToken Required	The access token you were provided.
AccountId Required	The ID of the account for which to retrieve balance information.

$ curl -X get "https://open-banking.capitalone.co.uk/open-banking/v3.1/aisp/accounts/$accountId/balances" \
    -H "accept: application/json" \
    -H 'Authorization: Bearer $accessToken'

Response Arguments

Parameter	Description
AccountId	An identifier for the customer account. This is guaranteed to be unique and persistent for a given ConsentId.
Amount	A numeric value indicating the current balance for the account.
Currency	The currency in which the balance value is being reported.
CreditDebitIndicator	An indicator as to whether the account balance is in credit or debit.
Type	Balance type, in a coded form. Capital One will only ever report OpeningBooked.
DateTime	The Date/Time (UTC) of the balance.
Included	Indicates whether or not the credit line is included in the balance of the account.
Type	The type of the credit limit.
Amount	A numeric value indicating the monetary units to describe the credit line.
Currency	The currency in which the credit line amount is being reported.

Example 200 Response

{
  "Data": {
    "Balance": [
      {
        "AccountId": "string",
        "Amount": {
          "Amount": "string",
          "Currency": "string"
        },
        "CreditDebitIndicator": "Credit",
        "Type": "OpeningBooked",
        "DateTime": "string",
        "CreditLine": {
          "Included": true,
          "Type": "Credit",
          "Amount": {
            "Amount": "string",
            "Currency": "string"
          }
        }
      }
    ]
  },
  "Links": {
    "Self": "string"
  },
  "Meta": {
    "TotalPages": 1
  }
}

To perform this operation, you must be authenticated by means of one of the following methods: OAuth2 Authorization Code

Statements

Our implementation supports fetching statements data by bulk, by account ID and by statement ID. You can also fetch transactions data by statement ID.

Bulk Statements Data

GET /statements

Retrieves statement information for all accounts associated with the customer consent granted for the access token presented.

The consent associated with the presented access token must have been created with either the ReadStatementsBasic or ReadStatementsDetail permission.

The level of detail returned in the response will depend on which permission was included in the original consent. If a 'Detail' permission is present, then the information returned with have a greater level of detail.

Strong Customer Authentication (SCA)

Following customer authentication, access to more than 90 days worth of statement data will be possible for up to a 5-minute window. After this has elapsed or for any information requests without a customer authentication journey, Capital One will proactively trim any requests for more than 90 days worth of data.

If you require data older than 90 days you must request it following a successful customer authentication journey. You must also make the request within a 5-minute period following Capital One receiving confirmation that customer authentication has been completed.

Request Arguments

Parameter	Description
accessToken Required	The access token you were provided.
fromStatementDateTime	A filtering parameter to restrict the returned statement data. Only statements created after the specified time will be returned in the response. Note: Statements may be further restricted based upon the TransactionFromDateTime specified in the consent agreed with the customer.
toStatementDateTime	A filtering parameter to restrict the returned statement data. Only statements created before the specified time will be returned in the response. Note: Statements may be further restricted based upon the TransactionToDateTime specified in the consent agreed with the customer.

$ curl -X get "https://open-banking.capitalone.co.uk/open-banking/v3.1/aisp/statements" \
    -H "accept: application/json" \
    -H 'Authorization: Bearer $accessToken'

Response Arguments

Parameter	Description
AccountId	An identifier for the customer account. This is guaranteed to be unique and persistent for a given ConsentId.
CreationDateTime	The Date/Time (UTC) the statement was created.
EndDateTime	The Date/Time (UTC) the statement period ends.
StartDateTime	The Date/Time (UTC) the statement period starts.
StatementId	A unique identifier for the statement resource.
Type	The type of statement.
StatementAmount	A container for the StatementAmounts of the statement.
StatementAmount.Amount	A container for a specific StatementAmount amount.
StatementAmount.Amount.Amount	A numeric value indicating the monetary units for the StatementAmount.
StatementAmount.Amount.Currency	The currency in which the StatementAmount amount is being reported.
StatementAmount.CreditDebitIndicator	Indicator of whether the StatementAmount was a credit or debit.
StatementAmount.Type	The type of StatementAmount being detailed.
StatementDateTime	A container for the StatementDateTimes of the statement.
StatementDateTime.DateTime	The Date/Time (UTC) value of the StatementDateTime.
StatementDateTime.Type	The type of StatementDateTime being detailed.
StatementFee	A container for the StatementFees of the statement.
StatementFee.Amount	A container for a specific StatementFee amount.
StatementFee.Amount.Amount	A numeric value indicating the monetary units for the StatementFee.
StatementFee.Amount.Currency	The currency in which the StatementFee amount is being reported.
StatementFee.CreditDebitIndicator	Indicator of whether the StatementFee was a credit or debit.
StatementFee.Type	The type of StatementFee being detailed.
StatementInterest	A container for the StatementInterests of the statement.
StatementInterest.Amount	A container for a specific StatementInterest amount.
StatementInterest.Amount.Amount	A numeric value indicating the monetary units for the StatementInterest.
StatementInterest.Amount.Currency	The currency in which the StatementInterest amount is being reported.
StatementInterest.CreditDebitIndicator	Indicator of whether the StatementInterest was a credit or debit.
StatementInterest.Type	The type of StatementInterest being detailed.
StatementRate	A container for the StatementRates of the statement.
StatementRate.Rate	A numeric value indicating the rate that was applied.
StatementRate.Type	The type of StatementRate being detailed.
StatementDescription	A supplemental description for the statement.

Example 200 Response

{
  "Data": {
    "Statement": [
        {
            "AccountId": "string",
            "CreationDateTime": "string",
            "EndDateTime": "string",
            "StartDateTime": "string",
            "StatementId": "string",
            "Type": "string",
            "StatementAmount": [
                {
                    "Amount": {
                        "Amount": "string",
                        "Currency": "string"
                    },
                    "CreditDebitIndicator": "string",
                    "Type": "string"
                }
            ],
            "StatementDateTime": [
                {
                    "DateTime": "string",
                    "Type": "string"
                }
            ],
            "StatementFee": [
                {
                    "Amount": {
                        "Amount": "string",
                        "Currency": "string"
                    },
                    "CreditDebitIndicator": "string",
                    "Type": "string"
                }
            ],
            "StatementInterest": [
                {
                    "Amount": {
                        "Amount": "string",
                        "Currency": "string"
                    },
                    "CreditDebitIndicator": "string",
                    "Type": "string"
                }
            ],
            "StatementRate": [
                {
                    "Rate": "string",
                    "Type": "string"
                }
            ],
            "StatementDescription": [
                "string",
                "string"
            ]
        }
    ]
  },
  "Links": {
    "Self": "string"
  },
  "Meta": {
    "TotalPages": 1
  }
}

To perform this operation, you must be authenticated by means of one of the following methods: OAuth2 Authorization Code

Statement Data

GET /accounts/{AccountId}/statements

Retrieves statement information for the specified account ID.

The consent associated with the presented access token must have been created with either the ReadStatementsBasic or ReadStatementsDetail permission.

The level of detail returned in the response will depend on which permission was included in the original consent. If a 'Detail' permission is present, then the information returned with have a greater level of detail.

Strong Customer Authentication (SCA)

Following customer authentication, access to more than 90 days worth of statement data will be possible for up to a 5-minute window. After this has elapsed or for any information requests without a customer authentication journey, Capital One will proactively trim any requests for more than 90 days worth of data.

If you require data older than 90 days you must request it following a successful customer authentication journey. You must also make the request within a 5-minute period following Capital One receiving confirmation that customer authentication has been completed.

Request Arguments

Parameter	Description
accessToken Required	The access token you were provided.
AccountId Required	The ID of the account for which to retrieve statement information.
fromStatementDateTime	A filtering parameter to restrict the returned statement data. Only statements created after the specified time will be returned in the response. Note: Statements may be further restricted based upon the TransactionFromDateTime specified in the consent agreed with the customer.
toStatementDateTime	A filtering parameter to restrict the returned statement data. Only statements booked before the specified time will be returned in the response. Note: Statements may be further restricted based upon the TransactionToDateTime specified in the consent agreed with the customer.

$ curl -X get "https://open-banking.capitalone.co.uk/open-banking/v3.1/aisp/accounts/$accountId/statements" \
    -H "accept: application/json" \
    -H 'Authorization: Bearer $accessToken'

Response Arguments

Parameter	Description
AccountId	An identifier for the customer account. This is guaranteed to be unique and persistent for a given ConsentId.
CreationDateTime	The Date/Time (UTC) the statement was created.
EndDateTime	The Date/Time (UTC) the statement period ends.
StartDateTime	The Date/Time (UTC) the statement period starts.
StatementId	A unique identifier for the statement resource.
Type	The type of statement.
StatementAmount	A container for the StatementAmounts of the statement.
StatementAmount.Amount	A container for a specific StatementAmount amount.
StatementAmount.Amount.Amount	A numeric value indicating the monetary units for the StatementAmount.
StatementAmount.Amount.Currency	The currency in which the StatementAmount amount is being reported.
StatementAmount.CreditDebitIndicator	Indicator of whether the StatementAmount was a credit or debit.
StatementAmount.Type	The type of StatementAmount being detailed.
StatementDateTime	A container for the StatementDateTimes of the statement.
StatementDateTime.DateTime	The Date/Time (UTC) value of the StatementDateTime.
StatementDateTime.Type	The type of StatementDateTime being detailed.
StatementFee	A container for the StatementFees of the statement.
StatementFee.Amount	A container for a specific StatementFee amount.
StatementFee.Amount.Amount	A numeric value indicating the monetary units for the StatementFee.
StatementFee.Amount.Currency	The currency in which the StatementFee amount is being reported.
StatementFee.CreditDebitIndicator	Indicator of whether the StatementFee was a credit or debit.
StatementFee.Type	The type of StatementFee being detailed.
StatementInterest	A container for the StatementInterests of the statement.
StatementInterest.Amount	A container for a specific StatementInterest amount.
StatementInterest.Amount.Amount	A numeric value indicating the monetary units for the StatementInterest.
StatementInterest.Amount.Currency	The currency in which the StatementInterest amount is being reported.
StatementInterest.CreditDebitIndicator	Indicator of whether the StatementInterest was a credit or debit.
StatementInterest.Type	The type of StatementInterest being detailed.
StatementRate	A container for the StatementRates of the statement.
StatementRate.Rate	A numeric value indicating the rate that was applied.
StatementRate.Type	The type of StatementRate being detailed..
StatementDescription	A supplemental description for the statement.

Example 200 Response

{
  "Data": {
    "Statement": [
        {
            "AccountId": "string",
            "CreationDateTime": "string",
            "EndDateTime": "string",
            "StartDateTime": "string",
            "StatementId": "string",
            "Type": "string",
            "StatementAmount": [
                {
                    "Amount": {
                        "Amount": "string",
                        "Currency": "string",
                        "SubType": "string"
                    },
                    "CreditDebitIndicator": "string",
                    "Type": "string"
                }
            ],
            "StatementDateTime": [
                {
                    "DateTime": "string",
                    "Type": "string"
                }
            ],
            "StatementFee": [
                {
                    "Amount": {
                        "Amount": "string",
                        "Currency": "string"
                    },
                    "CreditDebitIndicator": "string",
                    "Type": "string"
                }
            ],
            "StatementInterest": [
                {
                    "Amount": {
                        "Amount": "string",
                        "Currency": "string"
                    },
                    "CreditDebitIndicator": "string",
                    "Type": "string"
                }
            ],
            "StatementRate": [
                {
                    "Rate": "string",
                    "Type": "string"
                }
            ],
            "StatementDescription": [
                "string",
                "string"
            ]
        }
    ]
  },
  "Links": {
    "Self": "string"
  },
  "Meta": {
    "TotalPages": 1
  }
}

To perform this operation, you must be authenticated by means of one of the following methods: OAuth2 Authorization Code

Statement Data by Statement ID

GET /accounts/{AccountId}/statements/{StatementId}

Retrieves statement information for the specified account ID and statement ID.

The consent associated with the presented access token must have been created with either the ReadStatementsBasic or ReadStatementsDetail permission.

The level of detail returned in the response will depend on which permission was included in the original consent. If a 'Detail' permission is present, then the information returned with have a greater level of detail.

Strong Customer Authentication (SCA)

Following customer authentication, access to more than 90 days worth of statement data will be possible for up to a 5-minute window. After this has elapsed or for any information requests without a customer authentication journey, Capital One will proactively trim any requests for more than 90 days worth of data.

If you require data older than 90 days you must request it following a successful customer authentication journey. You must also make the request within a 5-minute period following Capital One receiving confirmation that customer authentication has been completed.

Request Arguments

Parameter	Description
accessToken Required	The access token you were provided.
AccountId Required	The ID of the account for which to retrieve statement information.
StatementId Required	The ID of the statement for which to retrieve.

$ curl -X get "https://open-banking.capitalone.co.uk/open-banking/v3.1/aisp/accounts/$accountId/statements/$statementId" \
    -H "accept: application/json" \
    -H 'Authorization: Bearer $accessToken'

Response Arguments

Parameter	Description
AccountId	An identifier for the customer account. This is guaranteed to be unique and persistent for a given ConsentId.
CreationDateTime	The Date/Time (UTC) the statement was created.
EndDateTime	The Date/Time (UTC) the statement period ends.
StartDateTime	The Date/Time (UTC) the statement period starts.
StatementId	A unique identifier for the statement resource.
Type	The type of statement.
StatementAmount	A container for the StatementAmounts of the statement.
StatementAmount.Amount	A container for a specific StatementAmount amount.
StatementAmount.Amount.Amount	A numeric value indicating the monetary units for the StatementAmount.
StatementAmount.Amount.Currency	The currency in which the StatementAmount amount is being reported.
StatementAmount.CreditDebitIndicator	Indicator of whether the StatementAmount was a credit or debit.
StatementAmount.Type	The type of StatementAmount being detailed.
StatementDateTime	A container for the StatementDateTimes of the statement.
StatementDateTime.DateTime	The Date/Time (UTC) value of the StatementDateTime.
StatementDateTime.Type	The type of StatementDateTime being detailed.
StatementFee	A container for the StatementFees of the statement.
StatementFee.Amount	A container for a specific StatementFee amount.
StatementFee.Amount.Amount	A numeric value indicating the monetary units for the StatementFee.
StatementFee.Amount.Currency	The currency in which the StatementFee amount is being reported.
StatementFee.CreditDebitIndicator	Indicator of whether the StatementFee was a credit or debit.
StatementFee.Type	The type of StatementFee being detailed.
StatementInterest	A container for the StatementInterests of the statement.
StatementInterest.Amount	A container for a specific StatementInterest amount.
StatementInterest.Amount.Amount	A numeric value indicating the monetary units for the StatementInterest.
StatementInterest.Amount.Currency	The currency in which the StatementInterest amount is being reported.
StatementInterest.CreditDebitIndicator	Indicator of whether the StatementInterest was a credit or debit.
StatementInterest.Type	The type of StatementInterest being detailed.
StatementRate	A container for the StatementRates of the statement.
StatementRate.Rate	A numeric value indicating the rate that was applied.
StatementRate.Type	The type of StatementRate being detailed..
StatementDescription	A supplemental description for the statement.

Example 200 Response

{
  "Data": {
    "Statement": [
        {
            "AccountId": "string",
            "CreationDateTime": "string",
            "EndDateTime": "string",
            "StartDateTime": "string",
            "StatementId": "string",
            "Type": "string",
            "StatementAmount": [
                {
                    "Amount": {
                        "Amount": "string",
                        "Currency": "string",
                        "SubType": "string"
                    },
                    "CreditDebitIndicator": "string",
                    "Type": "string"
                }
            ],
            "StatementDateTime": [
                {
                    "DateTime": "string",
                    "Type": "string"
                }
            ],
            "StatementFee": [
                {
                    "Amount": {
                        "Amount": "string",
                        "Currency": "string"
                    },
                    "CreditDebitIndicator": "string",
                    "Type": "string"
                }
            ],
            "StatementInterest": [
                {
                    "Amount": {
                        "Amount": "string",
                        "Currency": "string"
                    },
                    "CreditDebitIndicator": "string",
                    "Type": "string"
                }
            ],
            "StatementRate": [
                {
                    "Rate": "string",
                    "Type": "string"
                }
            ],
            "StatementDescription": [
                "string",
                "string"
            ]
        }
    ]
  },
  "Links": {
    "Self": "string"
  },
  "Meta": {
    "TotalPages": 1
  }
}

To perform this operation, you must be authenticated by means of one of the following methods: OAuth2 Authorization Code

Statement Transactions Data by Statement ID

GET /accounts/{AccountId}/statements/{StatementId}/transactions

Retrieves transactions information for the specified account ID and statement ID.

The consent associated with the presented access token must have been created with either the ReadTransactionsBasic or ReadTransactionsDetail permission.

In order to be able to receive transaction records, the ReadTransactionsCredits and/or ReadTransactionsDebits permission must also be present (returning credit and/or debit transactions respectively).

The level of detail returned in the response will depend on which permissions where included in the original consent.

Strong Customer Authentication (SCA)

Following customer authentication, access to more than 90 days worth of statement/transaction data will be possible for up to a 5-minute window. After this has elapsed or for any information requests without a customer authentication journey, Capital One will proactively trim any requests for more than 90 days worth of data.

If you require data older than 90 days you must request it following a successful customer authentication journey. You must also make the request within a 5-minute period following Capital One receiving confirmation that customer authentication has been completed.

Request Arguments

Parameter	Description
accessToken Required	The access token you were provided.
AccountId Required	The ID of the account for which to retrieve transactions information.
StatementId Required	The ID of the statement for which to retrieve.

$ curl -X get "https://open-banking.capitalone.co.uk/open-banking/v3.1/aisp/accounts/$accountId/statements/$statementId/transactions" \
    -H "accept: application/json" \
    -H 'Authorization: Bearer $accessToken'

Response Arguments

Parameter	Description
AccountId	An identifier for the customer account. This is guaranteed to be unique and persistent for a given ConsentId.
Amount	A numeric value indicating the monetary units for the transaction.
Currency	The currency in which the transaction amount is being reported.
CreditDebitIndicator	Indicator of whether the transaction was a credit or debit.
Status	The status of the transaction.
BookingDateTime	The Date/Time (UTC) that the transaction was booked against the account.
AddressLine	Information that locates and identifies a specific address for the transaction entry.
MerchantName	The name of the merchant involved in the transaction.

Example 200 Response

{
  "Data": {
    "Transaction": [
      {
        "AccountId": "string",
        "Amount": {
          "Amount": "string",
          "Currency": "string"
        },
        "CreditDebitIndicator": "string",
        "Status": "Booked",
        "BookingDateTime": "string",
        "AddressLine": "string",
        "MerchantDetails": {
          "MerchantName": "string"
        }
      }
    ]
  },
  "Links": {
    "Self": "string"
  },
  "Meta": {
    "TotalPages": 1
  }
}

To perform this operation, you must be authenticated by means of one of the following methods: OAuth2 Authorization Code

Transactions

Our implementation supports individual and bulk Transaction requests.

To use the transactions endpoint the associated consent needs to have either the ReadTransactionsBasic or ReadTransactionsDetail permissions.

You’ll only be able to fetch transactions that were made in the range defined by TransactionFromDateTime and TransactionToDateTime in your consent.

Responses from the transactions data endpoint do not include the FirstAvailableDateTime and LastAvailableDateTime Meta fields.

Transaction amounts can change after the transaction is first created, and you can use the Status field to help identify transactions that are still pending.

Bulk Transactions Data

GET /transactions

Retrieves transaction data for all accounts associated with the customer consent granted for the access token presented.

The consent associated with the presented access token must have been created with either the ReadTransactionsBasic or, ReadTransactionsDetail permission.

In order to be able to receive transaction records, the ReadTransactionsCredits and/or ReadTransactionsDebits permission must also be present (returning credit and/or debit transactions respectively).

The level of detail returned in the response will depend on which permissions where included in the original consent.

Strong Customer Authentication (SCA)

Following customer authentication, access to more than 90 days worth of transaction data will be possible for up to a 5-minute window. After this has elapsed or for any information requests without a customer authentication journey, Capital One will proactively trim any requests for more than 90 days worth of data.

If you require data older than 90 days you must request it following a successful customer authentication journey. You must also make the request within a 5-minute period following Capital One receiving confirmation that customer authentication has been completed.

Request Arguments

Parameter	Description
accessToken Required	The access token you were provided.
fromBookingDateTime	A filtering parameter to restrict the returned transaction data. Only transactions booked after the specified time will be returned in the response. Note: Transactions may be further restricted based upon the TransactionFromDateTime specified in the consent agreed with the customer. You will need to provide the start and end times in RFC3339 format.
toBookingDateTime	A filtering parameter to restrict the returned transaction data. Only transactions booked before the specified time will be returned in the response. Note: Transactions may be further restricted based upon the TransactionToDateTime specified in the consent agreed with the customer. You will need to provide the start and end times in RFC3339 format.

$ curl -X get "https://open-banking.capitalone.co.uk/open-banking/v3.1/aisp/transactions?fromBookingDateTime=$fromBookingDate&toBookingDateTime=$toBookingDate" \
    -H "accept: application/json" \
    -H 'Authorization: Bearer $accessToken'

Response Arguments

Parameter	Description
AccountId	An identifier for the customer account. This is guaranteed to be unique and persistent for a given ConsentId.
Amount	A numeric value indicating the monetary units for the transaction.
Currency	The currency in which the transaction amount is being reported.
CreditDebitIndicator	Indicator of whether the transaction was a credit or debit.
Status	The status of the transaction.
BookingDateTime	The Date/Time (UTC) that the transaction was booked against the account.
AddressLine	Information that locates and identifies a specific address for the transaction entry.
MerchantName	The name of the merchant involved in the transaction.

Example 200 Response

{
  "Data": {
    "Transaction": [
      {
        "AccountId": "string",
        "Amount": {
          "Amount": "string",
          "Currency": "string"
        },
        "CreditDebitIndicator": "string",
        "Status": "Booked",
        "BookingDateTime": "string",
        "AddressLine": "string",
        "MerchantDetails": {
          "MerchantName": "string"
        }
      }
    ]
  },
  "Links": {
    "Self": "string"
  },
  "Meta": {
    "TotalPages": 1
  }
}

To perform this operation, you must be authenticated by means of one of the following methods: OAuth2 Authorization Code

Transactions Data

GET /accounts/{AccountId}/transactions

Retrieves transaction data for the specified account ID

The consent associated with the presented access token must have been created with either the ReadTransactionsBasic or, ReadTransactionsDetail permission.

In order to be able to receive transaction records, the ReadTransactionsCredits and/or ReadTransactionsDebits permission must also be present (returning credit and/or debit transactions respectively).

The level of detail returned in the response will depend on which permissions where included in the original consent.

Strong Customer Authentication (SCA)

Following customer authentication, access to more than 90 days worth of transaction data will be possible for up to a 5-minute window. After this has elapsed or for any information requests without a customer authentication journey, Capital One will proactively trim any requests for more than 90 days worth of data.

If you require data older than 90 days you must request it following a successful customer authentication journey. You must also make the request within a 5-minute period following Capital One receiving confirmation that customer authentication has been completed.

Request Arguments

Parameter	Description
AccountId Required	The ID of the account for which to retrieve balance information.
accessToken Required	The access token you were provided.
fromBookingDateTime	A filtering parameter to restrict the returned transaction data. Only transactions booked after the specified time will be returned in the response. Note: Transactions may be further restricted based upon the TransactionFromDateTime specified in the consent agreed with the customer.
toBookingDateTime	A filtering parameter to restrict the returned transaction data. Only transactions booked before the specified time will be returned in the response. Note: Transactions may be further restricted based upon the TransactionToDateTime specified in the consent agreed with the customer.

$ curl -X get "https://open-banking.capitalone.co.uk/open-banking/v3.1/aisp/accounts/$accountId/transactions?fromBookingDateTime=$fromBookingDate&toBookingDateTime=$toBookingDate" \
    -H "accept: application/json" \
    -H 'Authorization: Bearer $accessToken'

Response Arguments

Parameter	Description
AccountId	An identifier for the customer account. This is guaranteed to be unique and persistent for a given ConsentId.
Amount	A numeric value indicating the monetary units for the transaction.
Currency	The currency in which the transaction amount is being reported.
CreditDebitIndicator	Indicator of whether the transaction was a credit or debit.
Status	The status of the transaction.
BookingDateTime	The Date/Time (UTC) that the transaction was booked against the account.
AddressLine	Information that locates and identifies a specific address for the transaction entry.
MerchantName	The name of the merchant involved in the transaction.

Example 200 Response

{
  "Data": {
    "Transaction": [
      {
        "AccountId": "string",
        "Amount": {
          "Amount": "string",
          "Currency": "string"
        },
        "CreditDebitIndicator": "string",
        "Status": "Booked",
        "BookingDateTime": "string",
        "AddressLine": "string",
        "MerchantDetails": {
          "MerchantName": "string"
        }
      }
    ]
  },
  "Links": {
    "Self": "string"
  },
  "Meta": {
    "TotalPages": 1
  }
}

To perform this operation, you must be authenticated by means of one of the following methods: OAuth2 Authorization Code