- The rates should represent the current rates, fees and features applicable to the specific account at the time of the API call.
- The rates should contain only the applicable rates. Tiered rates that are applicable in the generic sense should not be included, unless they are specifically applicable to this specific account requested.
But in the CDR Standards, the BankingAccountDetail
depositRates tiers description is: "Fully described deposit rates for this account based on the equivalent structure in Product Reference".
depositRates tiers display the generic products rates list as shown in the Product Reference API, or should the data be the tailored or negotiated rates specific to that account?
depositRates description states that fees are presented using an equivalent structure to that described in the Product Reference Data (PRD) BankingProductFee schema. This is to preserve consistency in the naming and terminology. For example, if a saving account has an "EARLY_TERMINATION_FEE", then you call it that in the account description response, rather than calling it something else such as "Termination fees on early exit". Representation of features such as tiers and discounts should be consistent between the PRD data and the BankingAccountDetail response.
The fees for a Get Account Detail API response should be only those that apply to the account, with specific tailored and negotated rates.