Account v1.4.1
Version | Changes | Date Updated |
|---|---|---|
v1.4.1 |
| May 22, 2026 |
v1.4 |
| Mar 19, 2026 |
v1.3 |
| Dec 19, 2025 |
v1.2.1 | First publication |
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Account Types DPs must provide
as defined in the Data Structure workstream
Account Types for Banks:
Savings & Current accounts (CASA)
Credit Card
Hire Purchase
Mortgage
Account Types for EPF:
Pension
For the Account Types stated above, DPs are to provide
Active accounts only → accounts where customers are able to view and transact
Other account status (eg. dormant, inactive, mule etc.) should be not listed as an option for users to select, and data sharing for these accounts should not be allowed.
Individual Retail Customer Accounts only
Joint accounts, SME accounts etc. are not part of the scope currently.
MYR Accounts only, foreign accounts are not part of the scope currently.
Account Object
# | Parent field | Child field | Grandchild field | Description | Data type | Required | Possible values | Deposit (CASA) | Loans | Credit Card | EPF |
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1 | account |
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2 |
| institution_name |
| Name of the institution associated with the account | String | Mandatory | PayBank Berhad | PayBank Berhad | PayBank Berhad | PayBank Berhad | Kumpulan Wang Simpanan Pekerja |
3 |
| account_id |
| A unique, immutable identifier assigned to the Account Number by DP during authorization. | String | Mandatory |
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5 |
| account_number |
| This refers to the existing account number assigned to the user's financial account to uniquely identify it within the Data Provider's core system. This is the same account number that users see in their app.
For credit account types, return first six and last four digits, with the middle digits replaced by *. e.g. 123456******7890.
For non-credit account types, return the full account number. | String | Mandatory | (Full account number) | (Full account number) | (Full account number) | (Masked account number) 123456******7890 | (No. Ahli KWSP) |
6 |
| account_name |
| A classification used by banks or financial institutions to specify the type of an account within a broader category. | String | Mandatory | Savings Account | Savings Account | Hire Purchase/-i | Liverpool FC Barcelona Visa Card |
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7 |
| account_holder_name |
| The full name of the account holder | String | Mandatory | John Doe | John Doe | John Doe | John Doe | (Name as per EPF Statement) JOHN DOE |
8 |
| category |
| Specifies the category of the account (Retail, or Corporate). | Enum, String | Mandatory | Retail | Retail | Retail | Retail | Retail |
9 |
| type |
| Specifies the type of the account (product family group) | Enum, String | Mandatory | deposit | deposit | loan | credit | deposit |
10 |
| subtype |
| Specifies the subtype of the account | Enum, String | Mandatory | savings | savings | hire_purchase | credit_card | pension |
11 |
| loan_details |
| See section below for the Loan Details Object. |
| Required if type = loan |
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12 |
| interest_rate |
| Represents a numeric value with exactly two decimal places.
For credit-type accounts, this represents the annual percentage rate (APR) applied to outstanding balances on a credit card, determining the cost of borrowing if the balance is not paid in full by the due date.
For loan-type accounts, this represents the percentage charged on the principal amount of a loan, determining the cost of borrowing over the loan tenure. | Number, Decimal (10,2) | Required if type = credit OR loan ELSE, this field is nullable. | 4.00 | null | 4.00 | 17.00 | null |
13 |
| payment_due_date |
| For credit-type accounts, this represents the deadline by which the cardholder must make at least the minimum payment to avoid late fees and penalties.
For loan-type accounts, this represents the installment or interest due date.
If there are no further payments required, this field can be left as blank. | Date | Optional (only if available) ELSE, this field is nullable. | 2025-04-28 | null | 2025-04-28 | 2025-04-23 | null |
14 |
| limit |
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15 |
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| amount | For credit-type accounts, this represents the total credit limit.
For deposit-type accounts, this represents the pre-arranged overdraft limit. | Amount, Decimal (10,2) | Required if type = credit OR deposit if the deposit account supports overdraft. ELSE, this field is nullable. | 10005.23 | 10005.23 | null | 15000 | null |
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| currency | Identification of the currency in which the account is held. A code allocated to a currency under an international currency identification scheme, as described in the latest edition of the international standard ISO 4217 'Codes for the representation of currencies and funds'. | String | Required if type = credit OR deposit ELSE, this field is nullable. | MYR | MYR | null | MYR | null |
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| minimum_payment_amount |
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18 |
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| amount | For credit-type accounts, this represents the minimum amount that must be paid by the due date to avoid penalties.
For loan-type accounts, this represents the installment amount. | Amount, Decimal (10,2) | Required if type = credit OR loan ELSE, this field is nullable. | 457.94 | null | 981 | 353.54 | null |
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| currency | Identification of the currency in which the account is held. A code allocated to a currency under an international currency identification scheme, as described in the latest edition of the international standard ISO 4217 'Codes for the representation of currencies and funds'. | String | Required if type = credit OR loan ELSE, this field is nullable. | MYR | null | MYR | MYR | null |
Loan Details Object
# | Parent field | Child field | Grandchild field | Description | Data type | Required | Possible values | Deposit (CASA) | Loans | Credit Card | EPF |
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1 | loan_details |
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