Eligibility for a product is specified by the
BankingProductEligibility property. The eligibility is specified in
eligibilityType, with allowed values in an enumeration. See Standards/BankingProductEligibility.
Eligibility conditions listed in the current enumeration are exclusive conditions. The product is not available to applicants who do not meet the conditions. For example, an account with an
MIN_TURNOVER is available only to applicants that are businesses and have a turnover above the specified minimum.
Eligibility conditions are also additive. Additional conditions add further constraints. For example, an account may have an
RESIDENCY_STATUS and an
PENSION_RECIPIENT. In this case the product is available only to a person with the specified residency status who is also a pension recipient.
eligibilityTypes cannot coexist. For example, a product may not have both an
NATURAL_PERSON and an
BUSINESS, as the intersection of these sets is zero.
Consequently a product available to both
NATURAL_PERSON has neither
If a product does not have a
eligibilityType, it is not constrained to natural persons and is available to legal entities including businesses.
eligibilityTypes are a specialisation of another
PENSION_RECIPIENT are specialisations of
NATURAL_PERSON. In these situations it is good practice to include the generalisation (i.e.
NATURAL_PERSON) and the specialisation (e.g.
STAFF). No other
eligibilityTypes are specialisations.
Lastly, where an
OTHER is provided, additional information is mandatory. Both
additionalInfo are required to describe the Data Holder specific eligibility value and its definition.