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What this API does:

This API lets you retrieve information about the beneficiaries under one or more of a customer’s accounts.

Before calling the API, you must have an access token issued by Virgin Money using 'Authorization Code' grant.

This API will provide a valid response for 5 minutes from the time the authorization code is generated. After 5 minutes, a 403 error code will be returned. You can get a further 5 minutes access by refreshing the consent.

Endpoint configuration

Sandbox:  cb.sandbox-api-nc.cybservices.co.uk/open-banking/v3.1/aisp/beneficiaries

Production:  api.openbanking.virginmoney.com/open-banking/v3.1/aisp/beneficiaries

Bulk information - you can retrieve the account balance and borrowing information for all authorised accounts linked to the account request.

Sandbox:  cb.sandbox-api-nc.cybservices.co.uk/open-banking/v3.1/aisp/accounts/{AccountId}/beneficiaries

Production:  api.openbanking.virginmoney.com/open-banking/v3.1/aisp/accounts/{AccountId}/beneficiaries

The account balance and borrowing information for a specific AccountId is retrieved in the call to GET /accounts.

API calls

Beneficiaries

NameDescription
AccountId *
string
(path)
AccountId
x-fapi-auth-date
string
(header)

The time when the PSU last logged in with the TPP.
All dates in the HTTP headers are represented as RFC 7231 Full Dates. An example is below:
Sun, 10 Sep 2017 19:43:31 UTC

x-fapi-customer-ip-address
string
(header)

The PSU's IP address if the PSU is currently logged in with the TPP.

x-fapi-interaction-id
string
(header)
An RFC4122 UID used as a correlation id.
Authorization *
string
(header)

Responses

CodeDescription
200
OK

{
"Data": {
"Beneficiary": [
{
"AccountId": "string",
"BeneficiaryId": "string",
"Reference": "string",
"CreditorAccount": {
"SchemeName": "string",
"Identification": "string",
"Name": "string"
}
}
]
},
"Links": {
"Self": "string",
"First": "string",
"Prev": "string",
"Next": "string",
"Last": "string"
},
"Meta": {
"TotalPages": 0,
"FirstAvailableDateTime": "2024-06-12T10:22:45.078Z",
"LastAvailableDateTime": "2024-06-12T10:22:45.078Z"
}
}
#/definitions/OBReadBeneficiary3OBReadBeneficiary3{
Data*{
Beneficiary[#/definitions/OBBeneficiary3OBBeneficiary3{
AccountIdAccountIdstring
A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
BeneficiaryIdBeneficiaryIdstring
A unique and immutable identifier used to identify the beneficiary resource. This identifier has no meaning to the account owner.
ReferenceReferencestring

Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.
Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money.
If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification.

CreditorAccount#/definitions/OBCashAccount5_1OBCashAccount5_1{
description:
Provides the details to identify the beneficiary account.
SchemeName*OBExternalAccountIdentification4Codestring

Name of the identification scheme, in a coded form as published in an external list.

Identification*Identification_0string
Identification assigned by an institution to identify an account. This identification is known by the account owner.
NameName_0string

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 name is not the product name or the nickname of the account.

}
}]
}
Links#/definitions/LinksLinks{
description:
Links relevant to the payload
Self*string
Firststring
Prevstring
Nextstring
Laststring
}
Meta#/definitions/MetaMeta{
description:
Meta Data relevant to the payload
TotalPagesinteger($int32)
FirstAvailableDateTimeISODateTimestring($date-time)

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:
2017-04-05T10:43:07+00:00

LastAvailableDateTimeISODateTimestring($date-time)

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:
2017-04-05T10:43:07+00:00

}
}

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
400
Bad request

{
"Code": "string",
"Id": "string",
"Message": "string",
"Errors": [
{
"ErrorCode": "string",
"Message": "string",
"Path": "string",
"Url": "string"
}
]
}
#/definitions/OBErrorResponse1OBErrorResponse1{
description:

An array of detail error codes, and messages, and URLs to documentation to help remediation.

Code*string
minLength: 1

maxLength: 40

High level textual error code, to help categorize the errors.

Idstring
minLength: 1

maxLength: 40

A unique reference for the error instance, for audit purposes, in case of unknown/unclassified errors.

Message*string
minLength: 1

maxLength: 500

Brief Error message, e.g., 'There is something wrong with the request parameters provided'

Errors*[
minItems: 1
#/definitions/OBError1OBError1{
ErrorCode*string

Low level textual error code, e.g., UK.OBIE.Field.Missing

Message*string
minLength: 1

maxLength: 500

A description of the error that occurred. e.g., 'A mandatory field isn't supplied' or 'RequestedExecutionDateTime must be in future'
OBIE doesn't standardise this field

Pathstring
minLength: 1

maxLength: 500

Recommended but optional reference to the JSON Path of the field with error, e.g., Data.Initiation.InstructedAmount.Currency

Urlstring

URL to help remediate the problem, or provide more information, or to API Reference, or help etc

}]
}

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
401
Unauthorized

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
403
Forbidden

{
"Code": "string",
"Id": "string",
"Message": "string",
"Errors": [
{
"ErrorCode": "string",
"Message": "string",
"Path": "string",
"Url": "string"
}
]
}
#/definitions/OBErrorResponse1OBErrorResponse1{
description:

An array of detail error codes, and messages, and URLs to documentation to help remediation.

Code*string
minLength: 1

maxLength: 40

High level textual error code, to help categorize the errors.

Idstring
minLength: 1

maxLength: 40

A unique reference for the error instance, for audit purposes, in case of unknown/unclassified errors.

Message*string
minLength: 1

maxLength: 500

Brief Error message, e.g., 'There is something wrong with the request parameters provided'

Errors*[
minItems: 1
#/definitions/OBError1OBError1{
ErrorCode*string

Low level textual error code, e.g., UK.OBIE.Field.Missing

Message*string
minLength: 1

maxLength: 500

A description of the error that occurred. e.g., 'A mandatory field isn't supplied' or 'RequestedExecutionDateTime must be in future'
OBIE doesn't standardise this field

Pathstring
minLength: 1

maxLength: 500

Recommended but optional reference to the JSON Path of the field with error, e.g., Data.Initiation.InstructedAmount.Currency

Urlstring

URL to help remediate the problem, or provide more information, or to API Reference, or help etc

}]
}

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
404
Not found

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
405
Method Not Allowed

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
406
Not Acceptable

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
429
Too Many Requests

Headers:

NameDescriptionType
Retry-After
Number in seconds to wait
integer
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
500
Internal Server Error

{
"Code": "string",
"Id": "string",
"Message": "string",
"Errors": [
{
"ErrorCode": "string",
"Message": "string",
"Path": "string",
"Url": "string"
}
]
}
#/definitions/OBErrorResponse1OBErrorResponse1{
description:

An array of detail error codes, and messages, and URLs to documentation to help remediation.

Code*string
minLength: 1

maxLength: 40

High level textual error code, to help categorize the errors.

Idstring
minLength: 1

maxLength: 40

A unique reference for the error instance, for audit purposes, in case of unknown/unclassified errors.

Message*string
minLength: 1

maxLength: 500

Brief Error message, e.g., 'There is something wrong with the request parameters provided'

Errors*[
minItems: 1
#/definitions/OBError1OBError1{
ErrorCode*string

Low level textual error code, e.g., UK.OBIE.Field.Missing

Message*string
minLength: 1

maxLength: 500

A description of the error that occurred. e.g., 'A mandatory field isn't supplied' or 'RequestedExecutionDateTime must be in future'
OBIE doesn't standardise this field

Pathstring
minLength: 1

maxLength: 500

Recommended but optional reference to the JSON Path of the field with error, e.g., Data.Initiation.InstructedAmount.Currency

Urlstring

URL to help remediate the problem, or provide more information, or to API Reference, or help etc

}]
}

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
NameDescription
x-fapi-auth-date
string
(header)

The time when the PSU last logged in with the TPP.
All dates in the HTTP headers are represented as RFC 7231 Full Dates. An example is below:
Sun, 10 Sep 2017 19:43:31 UTC

x-fapi-customer-ip-address
string
(header)

The PSU's IP address if the PSU is currently logged in with the TPP.

x-fapi-interaction-id
string
(header)
An RFC4122 UID used as a correlation id.
Authorization *
string
(header)

Responses

CodeDescription
200
OK

{
"Data": {
"Beneficiary": [
{
"AccountId": "string",
"BeneficiaryId": "string",
"Reference": "string",
"CreditorAccount": {
"SchemeName": "string",
"Identification": "string",
"Name": "string"
}
}
]
},
"Links": {
"Self": "string",
"First": "string",
"Prev": "string",
"Next": "string",
"Last": "string"
},
"Meta": {
"TotalPages": 0,
"FirstAvailableDateTime": "2024-06-12T10:33:54.319Z",
"LastAvailableDateTime": "2024-06-12T10:33:54.319Z"
}
}
#/definitions/OBReadBeneficiary3OBReadBeneficiary3{
Data*{
Beneficiary[#/definitions/OBBeneficiary3OBBeneficiary3{
AccountIdAccountIdstring
A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
BeneficiaryIdBeneficiaryIdstring
A unique and immutable identifier used to identify the beneficiary resource. This identifier has no meaning to the account owner.
ReferenceReferencestring

Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.
Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money.
If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification.

CreditorAccount#/definitions/OBCashAccount5_1OBCashAccount5_1{
description:
Provides the details to identify the beneficiary account.
SchemeName*OBExternalAccountIdentification4Codestring

Name of the identification scheme, in a coded form as published in an external list.

Identification*Identification_0string
Identification assigned by an institution to identify an account. This identification is known by the account owner.
NameName_0string

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 name is not the product name or the nickname of the account.

}
}]
}
Links#/definitions/LinksLinks{
description:
Links relevant to the payload
Self*string
Firststring
Prevstring
Nextstring
Laststring
}
Meta#/definitions/MetaMeta{
description:
Meta Data relevant to the payload
TotalPagesinteger($int32)
FirstAvailableDateTimeISODateTimestring($date-time)

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:
2017-04-05T10:43:07+00:00

LastAvailableDateTimeISODateTimestring($date-time)

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:
2017-04-05T10:43:07+00:00

}
}

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
400
Bad request

{
"Code": "string",
"Id": "string",
"Message": "string",
"Errors": [
{
"ErrorCode": "string",
"Message": "string",
"Path": "string",
"Url": "string"
}
]
}
#/definitions/OBErrorResponse1OBErrorResponse1{
description:

An array of detail error codes, and messages, and URLs to documentation to help remediation.

Code*string
minLength: 1

maxLength: 40

High level textual error code, to help categorize the errors.

Idstring
minLength: 1

maxLength: 40

A unique reference for the error instance, for audit purposes, in case of unknown/unclassified errors.

Message*string
minLength: 1

maxLength: 500

Brief Error message, e.g., 'There is something wrong with the request parameters provided'

Errors*[
minItems: 1
#/definitions/OBError1OBError1{
ErrorCode*string

Low level textual error code, e.g., UK.OBIE.Field.Missing

Message*string
minLength: 1

maxLength: 500

A description of the error that occurred. e.g., 'A mandatory field isn't supplied' or 'RequestedExecutionDateTime must be in future'
OBIE doesn't standardise this field

Pathstring
minLength: 1

maxLength: 500

Recommended but optional reference to the JSON Path of the field with error, e.g., Data.Initiation.InstructedAmount.Currency

Urlstring

URL to help remediate the problem, or provide more information, or to API Reference, or help etc

}]
}

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
401
Unauthorized

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
403
Forbidden

{
"Code": "string",
"Id": "string",
"Message": "string",
"Errors": [
{
"ErrorCode": "string",
"Message": "string",
"Path": "string",
"Url": "string"
}
]
}
#/definitions/OBErrorResponse1OBErrorResponse1{
description:

An array of detail error codes, and messages, and URLs to documentation to help remediation.

Code*string
minLength: 1

maxLength: 40

High level textual error code, to help categorize the errors.

Idstring
minLength: 1

maxLength: 40

A unique reference for the error instance, for audit purposes, in case of unknown/unclassified errors.

Message*string
minLength: 1

maxLength: 500

Brief Error message, e.g., 'There is something wrong with the request parameters provided'

Errors*[
minItems: 1
#/definitions/OBError1OBError1{
ErrorCode*string

Low level textual error code, e.g., UK.OBIE.Field.Missing

Message*string
minLength: 1

maxLength: 500

A description of the error that occurred. e.g., 'A mandatory field isn't supplied' or 'RequestedExecutionDateTime must be in future'
OBIE doesn't standardise this field

Pathstring
minLength: 1

maxLength: 500

Recommended but optional reference to the JSON Path of the field with error, e.g., Data.Initiation.InstructedAmount.Currency

Urlstring

URL to help remediate the problem, or provide more information, or to API Reference, or help etc

}]
}

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
404
Not found

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
405
Method Not Allowed

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
406
Not Acceptable

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
429
Too Many Requests

Headers:

NameDescriptionType
Retry-After
Number in seconds to wait
integer
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string
500
Internal Server Error

{
"Code": "string",
"Id": "string",
"Message": "string",
"Errors": [
{
"ErrorCode": "string",
"Message": "string",
"Path": "string",
"Url": "string"
}
]
}
#/definitions/OBErrorResponse1OBErrorResponse1{
description:

An array of detail error codes, and messages, and URLs to documentation to help remediation.

Code*string
minLength: 1

maxLength: 40

High level textual error code, to help categorize the errors.

Idstring
minLength: 1

maxLength: 40

A unique reference for the error instance, for audit purposes, in case of unknown/unclassified errors.

Message*string
minLength: 1

maxLength: 500

Brief Error message, e.g., 'There is something wrong with the request parameters provided'

Errors*[
minItems: 1
#/definitions/OBError1OBError1{
ErrorCode*string

Low level textual error code, e.g., UK.OBIE.Field.Missing

Message*string
minLength: 1

maxLength: 500

A description of the error that occurred. e.g., 'A mandatory field isn't supplied' or 'RequestedExecutionDateTime must be in future'
OBIE doesn't standardise this field

Pathstring
minLength: 1

maxLength: 500

Recommended but optional reference to the JSON Path of the field with error, e.g., Data.Initiation.InstructedAmount.Currency

Urlstring

URL to help remediate the problem, or provide more information, or to API Reference, or help etc

}]
}

Headers:

NameDescriptionType
x-fapi-interaction-id
An RFC4122 UID used as a correlation id.
string

Models

OBReadBeneficiary3{
Data*{
Beneficiary[#/definitions/OBBeneficiary3OBBeneficiary3{
AccountIdAccountIdstring
A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
BeneficiaryIdBeneficiaryIdstring
A unique and immutable identifier used to identify the beneficiary resource. This identifier has no meaning to the account owner.
ReferenceReferencestring

Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.
Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money.
If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification.

CreditorAccount#/definitions/OBCashAccount5_1OBCashAccount5_1{
description:
Provides the details to identify the beneficiary account.
SchemeName*OBExternalAccountIdentification4Codestring

Name of the identification scheme, in a coded form as published in an external list.

Identification*Identification_0string
Identification assigned by an institution to identify an account. This identification is known by the account owner.
NameName_0string

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 name is not the product name or the nickname of the account.

}
}]
}
Links#/definitions/LinksLinks{
description:
Links relevant to the payload
Self*string
Firststring
Prevstring
Nextstring
Laststring
}
Meta#/definitions/MetaMeta{
description:
Meta Data relevant to the payload
TotalPagesinteger($int32)
FirstAvailableDateTimeISODateTimestring($date-time)

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:
2017-04-05T10:43:07+00:00

LastAvailableDateTimeISODateTimestring($date-time)

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:
2017-04-05T10:43:07+00:00

}
}

OBBeneficiary3{
AccountIdAccountIdstring
A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.
BeneficiaryIdBeneficiaryIdstring
A unique and immutable identifier used to identify the beneficiary resource. This identifier has no meaning to the account owner.
ReferenceReferencestring

Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.
Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money.
If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification.

CreditorAccount#/definitions/OBCashAccount5_1OBCashAccount5_1{
description:
Provides the details to identify the beneficiary account.
SchemeName*OBExternalAccountIdentification4Codestring

Name of the identification scheme, in a coded form as published in an external list.

Identification*Identification_0string
Identification assigned by an institution to identify an account. This identification is known by the account owner.
NameName_0string

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 name is not the product name or the nickname of the account.

}
}

Meta{
description:
Meta Data relevant to the payload
TotalPagesinteger($int32)
FirstAvailableDateTimeISODateTimestring($date-time)

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:
2017-04-05T10:43:07+00:00

LastAvailableDateTimeISODateTimestring($date-time)

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:
2017-04-05T10:43:07+00:00

}

ISODateTimestring($date-time)

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:
2017-04-05T10:43:07+00:00

AccountIdstring
A unique and immutable identifier used to identify the account resource. This identifier has no meaning to the account owner.

BeneficiaryIdstring
A unique and immutable identifier used to identify the beneficiary resource. This identifier has no meaning to the account owner.

Referencestring

Unique reference, as assigned by the creditor, to unambiguously refer to the payment transaction.
Usage: If available, the initiating party should provide this reference in the structured remittance information, to enable reconciliation by the creditor upon receipt of the amount of money.
If the business context requires the use of a creditor reference or a payment remit identification, and only one identifier can be passed through the end-to-end chain, the creditor's reference or payment remittance identification should be quoted in the end-to-end transaction identification.

OBCashAccount5_1{
description:
Provides the details to identify the beneficiary account.
SchemeName*OBExternalAccountIdentification4Codestring

Name of the identification scheme, in a coded form as published in an external list.

Identification*Identification_0string
Identification assigned by an institution to identify an account. This identification is known by the account owner.
NameName_0string

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 name is not the product name or the nickname of the account.

}

OBExternalAccountIdentification4Codestring

Name of the identification scheme, in a coded form as published in an external list.

Identification_0string
Identification assigned by an institution to identify an account. This identification is known by the account owner.

Name_0string

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 name is not the product name or the nickname of the account.

OBErrorResponse1{
description:

An array of detail error codes, and messages, and URLs to documentation to help remediation.

Code*string
minLength: 1

maxLength: 40

High level textual error code, to help categorize the errors.

Idstring
minLength: 1

maxLength: 40

A unique reference for the error instance, for audit purposes, in case of unknown/unclassified errors.

Message*string
minLength: 1

maxLength: 500

Brief Error message, e.g., 'There is something wrong with the request parameters provided'

Errors*[
minItems: 1
#/definitions/OBError1OBError1{
ErrorCode*string

Low level textual error code, e.g., UK.OBIE.Field.Missing

Message*string
minLength: 1

maxLength: 500

A description of the error that occurred. e.g., 'A mandatory field isn't supplied' or 'RequestedExecutionDateTime must be in future'
OBIE doesn't standardise this field

Pathstring
minLength: 1

maxLength: 500

Recommended but optional reference to the JSON Path of the field with error, e.g., Data.Initiation.InstructedAmount.Currency

Urlstring

URL to help remediate the problem, or provide more information, or to API Reference, or help etc

}]
}

OBError1{
ErrorCode*string

Low level textual error code, e.g., UK.OBIE.Field.Missing

Message*string
minLength: 1

maxLength: 500

A description of the error that occurred. e.g., 'A mandatory field isn't supplied' or 'RequestedExecutionDateTime must be in future'
OBIE doesn't standardise this field

Pathstring
minLength: 1

maxLength: 500

Recommended but optional reference to the JSON Path of the field with error, e.g., Data.Initiation.InstructedAmount.Currency

Urlstring

URL to help remediate the problem, or provide more information, or to API Reference, or help etc

}

Having trouble?

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