[ARCHIVE] BSB and Account number for a Term Deposit

Archived 2022-09-28 and contents moved to Masking guidance for CDR data.

Question

Our Term Deposit products do not have a normal BSB and Account number like a transaction account.

They have alphanumeric identifiers that are shown to the customer for reference in internet banking.

Are these alphanumeric codes appropriate as a value for the accountNumber field in schemas such as BankingAccountDetailV2? It is a string field, but the description says it is to be formatted with digits only. 

The maskedNumber field in the BankingAccount schema also has "number" in the name and description. Can we use a masked alphanumeric ID in this field?

Answer

The accountNumber field is optional because there are scenarios where the field cannot be populated, such as when number is a PAN. The maskedNumber field does not stipulate digits only.

What you do in this scenario is at your discretion, as long as the requirements of the schema are met. The DSB recommends that you do the following:

• Populate the maskedNumber field with a masked version of your account ID
• Leave out the accountNumber field in the BankingAccountDetailV2 response