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Open Banking EU - update doc on pots shown as accounts #204

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75 changes: 74 additions & 1 deletion source/includes/_eu.md
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Expand Up @@ -204,4 +204,77 @@ As per the Well-Known endpoint above, note the `authorization_endpoint` for the

## Certificates

We expect the use of eIDAS QWAC and QSealC certificates issued by a QTSP. We currently have a manually maintained allow-list of trusted QTSPs. If we don't currently trust the QTSP that issues your certificate, then please get in touch at <openbanking@monzo.com>.
We expect the use of eIDAS QWAC and QSealC certificates issued by a QTSP. We currently have a manually maintained allow-list of trusted QTSPs. If we don't currently trust the QTSP that issues your certificate, then please get in touch at <openbanking@monzo.com>.

## EU Account Information Services API

It works in the same way as described in the <a href="/open-banking/#account-information-services-api">Account Information Services API</a>, with some differences outlined below.

### EU Accounts

See the <a href="/open-banking/#accounts">Accounts</a> section.

* In the EU, a customer's pots are returned as accounts.

> Example of a Current Account and Pot returned:

```json
{
"Data": {
"Account": [
{
"AccountId": "acc_0000AvDK9NmomdubVdW9jd",
"Status": "Enabled",
"StatusUpdateDateTime": "2025-06-17T07:09:35.3Z",
"Currency": "EUR",
"AccountType": "Personal",
"AccountSubType": "CurrentAccount",
"Description": "Personal Account",
"Account":
[
{
"SchemeName": "UK.OBIE.IBAN",
"Identification": "IE05MONZ00000003102060",
"Name": "Camila McSimpburg"
}
],
"OpeningDate": "2025-06-17",
"SwitchStatus": "UK.CASS.NotSwitched"
},
{
"AccountId": "acc_0000Avmn7n4tTdiAoOXbe5",
"Status": "Enabled",
"StatusUpdateDateTime": "2025-07-04T09:49:08.53Z",
"Currency": "EUR",
"AccountType": "Personal",
"AccountSubType": "Savings",
"Description": "Personal Pot",
"Account":
[
{
"SchemeName": "",
"Identification": "",
"Name": "Holiday"
}
],
"OpeningDate": "2025-07-04",
},
]
},
"Links": {
"Self": "https://openbanking.s101.nonprod-ffs.io/open-banking/v3.1/aisp/accounts"
},
"Meta": {}
}
```

### EU Balances
See <a href="/open-banking/#balances">Balances</a> section.

* `includePots` parameter is not supported, as pots are presented as separate accounts in the EU.

### EU Pots

<aside class="warning">
We do not support the <a href="/open-banking/#pots">pots endpoint</a> for the EU. Please use the <a href="/open-banking/#eu-accounts">EU Accounts endpoint</a> to fetch the list of pots.
</aside>