> For the complete documentation index, see [llms.txt](https://apidocs.arionbanki.is/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://apidocs.arionbanki.is/business-apis/cards-api/cards-api-reference.md).

# Cards API Reference

<a href="https://openapi.gitbook.com/o/0A1P6YvuPxpINWkYJpBX/spec/auto-BAPI-cards.yaml" class="button primary" data-icon="circle-down">Download OpenAPI yaml file</a>

## Read list of cards.

> Reads a list of cards potentially with additional information, e.g. balance information.  It is assumed that a consent of the user to this access is already given and stored on the Bank's system. The addressed list of cards depends then on the stored consent addressed by consentId, respectively the OAuth2 access token.  Please note, that the current line of credit of a given card might be tighter than what the balance response will suggest, due to credit limits on the card account and transactions by other cards to the same account.

```json
{"openapi":"3.0.4","info":{"title":"IOBWS 3.0 Cards","version":"v1"},"tags":[{"name":"Cards API Reference","description":"IOBWS 3.0 Debit and credit cards, details and statements."}],"servers":[{"url":"https://apigwsandbox.arionbanki.is/cards","description":"Cards API Host - Sandbox"},{"url":"https://apigw.arionbanki.is/cards","description":"Cards API Host - Production"}],"security":[{"oauth2":["b2b"],"SubscriptionKey":[]}],"components":{"securitySchemes":{"oauth2":{"type":"http","description":"Authorization header using the Bearer scheme. The Curity-issued OAuth2 access token, sent as `Bearer <token>`. Required on every request.\n\nToken URL: https://apigw.arionbanki.is/oauth/v2/oauth-token","scheme":"bearer"}},"schemas":{"ReadCardListResponse200Json":{"required":["cards"],"type":"object","properties":{"cards":{"type":"array","items":{"$ref":"#/components/schemas/CardDetails"},"description":"List of card details."}},"additionalProperties":false,"description":"Descriptions of the accessible cards."},"CardDetails":{"required":["cardholderName","currency","expDate","maskedPan","resourceId"],"type":"object","properties":{"resourceId":{"minLength":1,"type":"string","description":"This is the data element to be used in the path when retrieving data from a dedicated account. This shall be filled, if addressable resource are created by the Bank on the /cards endpoint."},"maskedPan":{"maxLength":35,"minLength":1,"type":"string","description":"Masked Primary Account Number."},"currency":{"minLength":1,"pattern":"[A-Z]{3}","type":"string","description":"ISO 4217 Alpha 3 currency code."},"ownerName":{"maxLength":140,"type":"string","description":"The name of the legal account owner. If there is more than one owner, multiple names (e.g., two) may be noted here.","nullable":true},"ownerId":{"maxLength":35,"type":"string","description":"OwnerId","nullable":true},"expDate":{"minLength":1,"pattern":"(0[1-9]|1[0-2])/([0-9]{2})","type":"string","description":"Expiration date for a card in the form mm/yy."},"issueDate":{"type":"string","description":"Issuing date for a card.","format":"date-time","nullable":true},"cardholderName":{"minLength":1,"type":"string","description":"Name of card holder"},"cardholderId":{"maxLength":35,"type":"string","description":"Id of card holder.","nullable":true},"panId":{"type":"string","description":"Scoped identifier to be used as a replacement for the Primary Account Number when referencing card.","nullable":true},"bank":{"pattern":"[0-9]{3,4}","type":"string","description":"Icelandic bank number.","nullable":true},"name":{"maxLength":70,"type":"string","description":"Name of the account, as assigned by the Bank, in agreement with the account owner in order to provide an additional means of identification of the account.","nullable":true},"displayName":{"maxLength":70,"type":"string","description":"Name of the account as defined by the user within online channels.","nullable":true},"product":{"maxLength":35,"type":"string","description":"Product Name of the Bank for this account, proprietary definition.","nullable":true},"status":{"$ref":"#/components/schemas/AccountStatus"},"usage":{"$ref":"#/components/schemas/UsageType"},"details":{"maxLength":500,"type":"string","description":"Specifications that might be provided by the Bank:\n* characteristics of the account\n* characteristics of the relevant card","nullable":true},"creditLimit":{"$ref":"#/components/schemas/Amount"},"balances":{"type":"array","items":{"$ref":"#/components/schemas/Balance"},"description":"A list of balances regarding this account, e.g. the current balance, the last booked balance. The list might be restricted to the current balance.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"Links to the card account that provide direct access to retrieve account information, such as balances or transactions.","nullable":true}},"additionalProperties":false,"description":"Card details."},"AccountStatus":{"enum":["enabled","deleted","blocked"],"type":"string","description":"Account status. The value is one of the following:\n            \n* **enabled**: account is available\n* **deleted**: account is terminated\n* **blocked**: account is blocked e.g. for legal reasons\n            \nIf this field is not used, then the account is available in the sense of this specification."},"UsageType":{"enum":["PRIV","ORGA"],"type":"string","description":"Specifies the usage of the account:   \n* PRIV: private personal account\n* ORGA: professional account"},"Amount":{"required":["amount","currency"],"type":"object","properties":{"currency":{"minLength":1,"pattern":"[A-Z]{3}","type":"string","description":"ISO 4217 Alpha 3 currency code."},"amount":{"minLength":1,"pattern":"-?[0-9]{1,14}(\\.[0-9]{1,3})?","type":"string","description":"Gets or sets the amount with fractional digits. Fractions must comply with the currency definition.\nUp to 14 significant figures are allowed. Negative amounts are prefixed with a minus sign.\nThe decimal separator is a dot.\n            \n<example>\nValid representations for EUR with up to two decimals are:\n* 1056\n* 5768.2\n* -1.50\n* 5877.78\n</example>"}},"additionalProperties":false,"description":""},"Balance":{"required":["balanceAmount","balanceType"],"type":"object","properties":{"balanceAmount":{"$ref":"#/components/schemas/Amount"},"balanceType":{"$ref":"#/components/schemas/BalanceType"},"creditLimitIncluded":{"type":"boolean","description":"A flag indicating if the credit limit of the corresponding account is included in the calculation of the balance, where applicable.","nullable":true},"lastChangeDateTime":{"type":"string","description":"This data element might be used to indicate e.g. with the expected or booked balance that no action is known on the account, which is not yet booked.","format":"date-time","nullable":true},"referenceDate":{"type":"string","description":"Reference date of the balance.","format":"date-time","nullable":true},"lastCommittedTransaction":{"maxLength":35,"type":"string","description":"\\\"entryReference\\\" of the last commited transaction to support the intermediary service in identifying whether all user's transactions are already known.","nullable":true}},"additionalProperties":false,"description":"A single balance element."},"BalanceType":{"enum":["closingBooked","expected","openingBooked","interimAvailable","interimBooked","forwardAvailable","nonInvoiced"],"type":"string","description":"The following balance types are defined:\n            \n* **closingBooked**: Balance of the account at the end of the pre-agreed account reporting period. It is the sum of the opening booked balance at the beginning of the period and all entries booked to the account during the pre-agreed account reporting period. For card-accounts, this is composed of invoiced, but not yet paid entries.\n* **expected**: Balance composed of booked entries and pending items known at the time of calculation, which projects the end of day balance if everything is booked on the account and no other entry is posted. For card accounts, this is composed of invoiced but not yet paid entries, not yet invoiced but already booked entries and pending items (not yet booked). For card-accounts: \"money to spend with the value of a pre-approved credit limit on the card account\".\n* **openingBooked**: Book balance of the account at the beginning of the account reporting period. It always equals the closing book balance from the previous report.\n* **interimAvailable**: Available balance calculated in the course of the account servicer's business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified. For card-accounts, this is composed of invoiced but not yet paid entries and not yet invoiced but already booked entries.\n* **interimBooked**: Balance calculated in the course of the account servicer's business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified.\n* **forwardAvailable**: Forward available balance of money that is at the disposal of the account owner on the date specified.\n* **nonInvoiced**: Only for card accounts, to be checked yet."},"HrefType":{"type":"object","properties":{"href":{"type":"string","description":"Href.","nullable":true}},"additionalProperties":false,"description":"Link to a resource."},"Error400IOBWS":{"type":"object","properties":{"messages":{"type":"array","items":{"$ref":"#/components/schemas/Message400"},"description":"Category of the intermediary service message category.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"A _link object with all available link types.","nullable":true}},"additionalProperties":false},"Message400":{"required":["category","code"],"type":"object","properties":{"category":{"$ref":"#/components/schemas/MessageCategory"},"code":{"$ref":"#/components/schemas/MessageCode400"},"path":{"type":"string","description":"Path to the specific property or location within the request payload or resource \nthat caused the error. Helps pinpoint the exact issue in nested objects, arrays, \nor URL path segments for easier debugging.","nullable":true},"text":{"maxLength":500,"type":"string","description":"Additional explaining text to the intermediary service.","nullable":true}},"additionalProperties":false,"description":""},"MessageCategory":{"enum":["ERROR","WARNING"],"type":"string","description":"Category of the intermediary service message category."},"MessageCode400":{"enum":["FORMAT_ERROR","PARAMETER_NOT_CONSISTENT","PARAMETER_NOT_SUPPORTED","SERVICE_INVALID","RESOURCE_UNKNOWN","RESOURCE_EXPIRED","RESOURCE_BLOCKED","TIMESTAMP_INVALID","PERIOD_INVALID","SCA_METHOD_UNKNOWN","SCA_INVALID","CONSENT_UNKNOWN","SESSIONS_NOT_SUPPORTED"],"type":"string","description":"Message codes defined for HTTP Error code 400 (BAD_REQUEST)."},"Error401IOBWS":{"type":"object","properties":{"messages":{"type":"array","items":{"$ref":"#/components/schemas/Message401"},"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 401.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"A _link object with all available link types.","nullable":true}},"additionalProperties":false,"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 401."},"Message401":{"required":["category","code"],"type":"object","properties":{"category":{"$ref":"#/components/schemas/MessageCategory"},"code":{"$ref":"#/components/schemas/MessageCode401"},"path":{"type":"string","description":"Path to the specific property or location within the request payload or resource \nthat caused the error. Helps pinpoint the exact issue in nested objects, arrays, \nor URL path segments for easier debugging.","nullable":true},"text":{"maxLength":500,"type":"string","description":"Additional explaining text to the intermediary service.","nullable":true}},"additionalProperties":false,"description":""},"MessageCode401":{"enum":["CERTIFICATE_INVALID","ROLE_INVALID","CERTIFICATE_EXPIRED","CERTIFICATE_BLOCKED","CERTIFICATE_REVOKE","CERTIFICATE_MISSING","SIGNATURE_INVALID","SIGNATURE_MISSING","CORPORATE_ID_INVALID","USR_CREDENTIALS_INVALID","CONSENT_INVALID","CONSENT_EXPIRED","TOKEN_UNKNOWN","TOKEN_INVALID","TOKEN_EXPIRED"],"type":"string","description":"Message codes defined for HTTP Error code 401 (UNAUTHORIZED)."},"Error403IOBWS":{"type":"object","properties":{"messages":{"type":"array","items":{"$ref":"#/components/schemas/Message403"},"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 403.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"A _link object with all available link types.","nullable":true}},"additionalProperties":false,"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 403."},"Message403":{"required":["category","code"],"type":"object","properties":{"category":{"$ref":"#/components/schemas/MessageCategory"},"code":{"$ref":"#/components/schemas/MessageCode403"},"path":{"type":"string","description":"Path to the specific property or location within the request payload or resource \nthat caused the error. Helps pinpoint the exact issue in nested objects, arrays, \nor URL path segments for easier debugging.","nullable":true},"text":{"maxLength":500,"type":"string","description":"Additional explaining text to the intermediary service.","nullable":true}},"additionalProperties":false,"description":""},"MessageCode403":{"enum":["CONSENT_UNKNOWN","SERVICE_BLOCKED","RESOURCE_UNKNOWN","RESOURCE_EXPIRED"],"type":"string","description":"Message codes defined for HTTP Error code 403 (FORBIDDEN)."},"Error404IOBWS":{"type":"object","properties":{"messages":{"type":"array","items":{"$ref":"#/components/schemas/Message404"},"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 404.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"A _link object with all available link types.","nullable":true}},"additionalProperties":false,"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 404."},"Message404":{"required":["category","code"],"type":"object","properties":{"category":{"$ref":"#/components/schemas/MessageCategory"},"code":{"$ref":"#/components/schemas/MessageCode404"},"path":{"type":"string","description":"Path to the specific property or location within the request payload or resource \nthat caused the error. Helps pinpoint the exact issue in nested objects, arrays, \nor URL path segments for easier debugging.","nullable":true},"text":{"maxLength":500,"type":"string","description":"Additional explaining text to the intermediary service.","nullable":true}},"additionalProperties":false,"description":""},"MessageCode404":{"enum":["RESOURCE_UNKNOWN"],"type":"string","description":"Message codes defined for HTTP Error code 404 (NOT FOUND)."},"Error405IOBWS":{"type":"object","properties":{"messages":{"type":"array","items":{"$ref":"#/components/schemas/Message405"},"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 405.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"A _link object with all available link types.","nullable":true}},"additionalProperties":false,"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 405."},"Message405":{"required":["category","code"],"type":"object","properties":{"category":{"$ref":"#/components/schemas/MessageCategory"},"code":{"$ref":"#/components/schemas/MessageCode405"},"path":{"type":"string","description":"Path to the specific property or location within the request payload or resource \nthat caused the error. Helps pinpoint the exact issue in nested objects, arrays, \nor URL path segments for easier debugging.","nullable":true},"text":{"maxLength":500,"type":"string","description":"Additional explaining text to the intermediary service.","nullable":true}},"additionalProperties":false,"description":""},"MessageCode405":{"enum":["SERVICE_INVALID"],"type":"string","description":"Message codes defined for HTTP Error code 405 (METHOD NOT ALLOWED)."},"Error429IOBWS":{"type":"object","properties":{"messages":{"type":"array","items":{"$ref":"#/components/schemas/Message429"},"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 429.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"A _link object with all available link types.","nullable":true}},"additionalProperties":false,"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 429."},"Message429":{"required":["category","code"],"type":"object","properties":{"category":{"$ref":"#/components/schemas/MessageCategory"},"code":{"$ref":"#/components/schemas/MessageCode429"},"path":{"type":"string","description":"Path to the specific property or location within the request payload or resource \nthat caused the error. Helps pinpoint the exact issue in nested objects, arrays, \nor URL path segments for easier debugging.","nullable":true},"text":{"maxLength":500,"type":"string","description":"Additional explaining text to the intermediary service.","nullable":true}},"additionalProperties":false,"description":""},"MessageCode429":{"enum":["ACCESS_EXCEEDED"],"type":"string","description":"Message codes for HTTP Error code 429 (TOO MANY REQUESTS)."}}},"paths":{"/api/v1/cards":{"get":{"tags":["Cards API Reference"],"summary":"Read list of cards.","description":"Reads a list of cards potentially with additional information, e.g. balance information.  It is assumed that a consent of the user to this access is already given and stored on the Bank's system. The addressed list of cards depends then on the stored consent addressed by consentId, respectively the OAuth2 access token.  Please note, that the current line of credit of a given card might be tighter than what the balance response will suggest, due to credit limits on the card account and transactions by other cards to the same account.","operationId":"ReadListOfCards","parameters":[{"name":"xRequestID","in":"header","description":"ID of the request, unique to the call, as determined by the initiating party.","schema":{"type":"string","format":"uuid"}}],"responses":{"200":{"description":"OK","content":{"application/json":{"schema":{"$ref":"#/components/schemas/ReadCardListResponse200Json"}}}},"400":{"description":"Bad Request","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error400IOBWS"}}}},"401":{"description":"Unauthorized","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error401IOBWS"}}}},"403":{"description":"Forbidden","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error403IOBWS"}}}},"404":{"description":"Not found","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error404IOBWS"}}}},"405":{"description":"Method Not Allowed","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error405IOBWS"}}}},"408":{"description":"Request Timeout"},"415":{"description":"Unsupported Media Type"},"429":{"description":"Too Many Requests","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error429IOBWS"}}}},"500":{"description":"Internal Server Error"},"503":{"description":"Service Unavailable"}}}}}}
```

## Read card details.

> Reads details about a card. It is assumed that a consent of the user to this access is already given and stored on the Bank's system.  The addressed details of this account depends then on the stored consent addressed by consentId, respectively the OAuth2 access token.  Please note, that the current line of credit of a given card might be tighter than what the balance response will suggest, due to credit limits on the card account and transactions by other cards to the same account.

```json
{"openapi":"3.0.4","info":{"title":"IOBWS 3.0 Cards","version":"v1"},"tags":[{"name":"Cards API Reference","description":"IOBWS 3.0 Debit and credit cards, details and statements."}],"servers":[{"url":"https://apigwsandbox.arionbanki.is/cards","description":"Cards API Host - Sandbox"},{"url":"https://apigw.arionbanki.is/cards","description":"Cards API Host - Production"}],"security":[{"oauth2":["b2b"],"SubscriptionKey":[]}],"components":{"securitySchemes":{"oauth2":{"type":"http","description":"Authorization header using the Bearer scheme. The Curity-issued OAuth2 access token, sent as `Bearer <token>`. Required on every request.\n\nToken URL: https://apigw.arionbanki.is/oauth/v2/oauth-token","scheme":"bearer"}},"schemas":{"ReadCardDetailsResponse200Json":{"required":["card"],"type":"object","properties":{"card":{"$ref":"#/components/schemas/CardDetails"}},"additionalProperties":false,"description":"Details of the card."},"CardDetails":{"required":["cardholderName","currency","expDate","maskedPan","resourceId"],"type":"object","properties":{"resourceId":{"minLength":1,"type":"string","description":"This is the data element to be used in the path when retrieving data from a dedicated account. This shall be filled, if addressable resource are created by the Bank on the /cards endpoint."},"maskedPan":{"maxLength":35,"minLength":1,"type":"string","description":"Masked Primary Account Number."},"currency":{"minLength":1,"pattern":"[A-Z]{3}","type":"string","description":"ISO 4217 Alpha 3 currency code."},"ownerName":{"maxLength":140,"type":"string","description":"The name of the legal account owner. If there is more than one owner, multiple names (e.g., two) may be noted here.","nullable":true},"ownerId":{"maxLength":35,"type":"string","description":"OwnerId","nullable":true},"expDate":{"minLength":1,"pattern":"(0[1-9]|1[0-2])/([0-9]{2})","type":"string","description":"Expiration date for a card in the form mm/yy."},"issueDate":{"type":"string","description":"Issuing date for a card.","format":"date-time","nullable":true},"cardholderName":{"minLength":1,"type":"string","description":"Name of card holder"},"cardholderId":{"maxLength":35,"type":"string","description":"Id of card holder.","nullable":true},"panId":{"type":"string","description":"Scoped identifier to be used as a replacement for the Primary Account Number when referencing card.","nullable":true},"bank":{"pattern":"[0-9]{3,4}","type":"string","description":"Icelandic bank number.","nullable":true},"name":{"maxLength":70,"type":"string","description":"Name of the account, as assigned by the Bank, in agreement with the account owner in order to provide an additional means of identification of the account.","nullable":true},"displayName":{"maxLength":70,"type":"string","description":"Name of the account as defined by the user within online channels.","nullable":true},"product":{"maxLength":35,"type":"string","description":"Product Name of the Bank for this account, proprietary definition.","nullable":true},"status":{"$ref":"#/components/schemas/AccountStatus"},"usage":{"$ref":"#/components/schemas/UsageType"},"details":{"maxLength":500,"type":"string","description":"Specifications that might be provided by the Bank:\n* characteristics of the account\n* characteristics of the relevant card","nullable":true},"creditLimit":{"$ref":"#/components/schemas/Amount"},"balances":{"type":"array","items":{"$ref":"#/components/schemas/Balance"},"description":"A list of balances regarding this account, e.g. the current balance, the last booked balance. The list might be restricted to the current balance.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"Links to the card account that provide direct access to retrieve account information, such as balances or transactions.","nullable":true}},"additionalProperties":false,"description":"Card details."},"AccountStatus":{"enum":["enabled","deleted","blocked"],"type":"string","description":"Account status. The value is one of the following:\n            \n* **enabled**: account is available\n* **deleted**: account is terminated\n* **blocked**: account is blocked e.g. for legal reasons\n            \nIf this field is not used, then the account is available in the sense of this specification."},"UsageType":{"enum":["PRIV","ORGA"],"type":"string","description":"Specifies the usage of the account:   \n* PRIV: private personal account\n* ORGA: professional account"},"Amount":{"required":["amount","currency"],"type":"object","properties":{"currency":{"minLength":1,"pattern":"[A-Z]{3}","type":"string","description":"ISO 4217 Alpha 3 currency code."},"amount":{"minLength":1,"pattern":"-?[0-9]{1,14}(\\.[0-9]{1,3})?","type":"string","description":"Gets or sets the amount with fractional digits. Fractions must comply with the currency definition.\nUp to 14 significant figures are allowed. Negative amounts are prefixed with a minus sign.\nThe decimal separator is a dot.\n            \n<example>\nValid representations for EUR with up to two decimals are:\n* 1056\n* 5768.2\n* -1.50\n* 5877.78\n</example>"}},"additionalProperties":false,"description":""},"Balance":{"required":["balanceAmount","balanceType"],"type":"object","properties":{"balanceAmount":{"$ref":"#/components/schemas/Amount"},"balanceType":{"$ref":"#/components/schemas/BalanceType"},"creditLimitIncluded":{"type":"boolean","description":"A flag indicating if the credit limit of the corresponding account is included in the calculation of the balance, where applicable.","nullable":true},"lastChangeDateTime":{"type":"string","description":"This data element might be used to indicate e.g. with the expected or booked balance that no action is known on the account, which is not yet booked.","format":"date-time","nullable":true},"referenceDate":{"type":"string","description":"Reference date of the balance.","format":"date-time","nullable":true},"lastCommittedTransaction":{"maxLength":35,"type":"string","description":"\\\"entryReference\\\" of the last commited transaction to support the intermediary service in identifying whether all user's transactions are already known.","nullable":true}},"additionalProperties":false,"description":"A single balance element."},"BalanceType":{"enum":["closingBooked","expected","openingBooked","interimAvailable","interimBooked","forwardAvailable","nonInvoiced"],"type":"string","description":"The following balance types are defined:\n            \n* **closingBooked**: Balance of the account at the end of the pre-agreed account reporting period. It is the sum of the opening booked balance at the beginning of the period and all entries booked to the account during the pre-agreed account reporting period. For card-accounts, this is composed of invoiced, but not yet paid entries.\n* **expected**: Balance composed of booked entries and pending items known at the time of calculation, which projects the end of day balance if everything is booked on the account and no other entry is posted. For card accounts, this is composed of invoiced but not yet paid entries, not yet invoiced but already booked entries and pending items (not yet booked). For card-accounts: \"money to spend with the value of a pre-approved credit limit on the card account\".\n* **openingBooked**: Book balance of the account at the beginning of the account reporting period. It always equals the closing book balance from the previous report.\n* **interimAvailable**: Available balance calculated in the course of the account servicer's business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified. For card-accounts, this is composed of invoiced but not yet paid entries and not yet invoiced but already booked entries.\n* **interimBooked**: Balance calculated in the course of the account servicer's business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified.\n* **forwardAvailable**: Forward available balance of money that is at the disposal of the account owner on the date specified.\n* **nonInvoiced**: Only for card accounts, to be checked yet."},"HrefType":{"type":"object","properties":{"href":{"type":"string","description":"Href.","nullable":true}},"additionalProperties":false,"description":"Link to a resource."},"Error400IOBWS":{"type":"object","properties":{"messages":{"type":"array","items":{"$ref":"#/components/schemas/Message400"},"description":"Category of the intermediary service message category.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"A _link object with all available link types.","nullable":true}},"additionalProperties":false},"Message400":{"required":["category","code"],"type":"object","properties":{"category":{"$ref":"#/components/schemas/MessageCategory"},"code":{"$ref":"#/components/schemas/MessageCode400"},"path":{"type":"string","description":"Path to the specific property or location within the request payload or resource \nthat caused the error. Helps pinpoint the exact issue in nested objects, arrays, \nor URL path segments for easier debugging.","nullable":true},"text":{"maxLength":500,"type":"string","description":"Additional explaining text to the intermediary service.","nullable":true}},"additionalProperties":false,"description":""},"MessageCategory":{"enum":["ERROR","WARNING"],"type":"string","description":"Category of the intermediary service message category."},"MessageCode400":{"enum":["FORMAT_ERROR","PARAMETER_NOT_CONSISTENT","PARAMETER_NOT_SUPPORTED","SERVICE_INVALID","RESOURCE_UNKNOWN","RESOURCE_EXPIRED","RESOURCE_BLOCKED","TIMESTAMP_INVALID","PERIOD_INVALID","SCA_METHOD_UNKNOWN","SCA_INVALID","CONSENT_UNKNOWN","SESSIONS_NOT_SUPPORTED"],"type":"string","description":"Message codes defined for HTTP Error code 400 (BAD_REQUEST)."},"Error401IOBWS":{"type":"object","properties":{"messages":{"type":"array","items":{"$ref":"#/components/schemas/Message401"},"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 401.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"A _link object with all available link types.","nullable":true}},"additionalProperties":false,"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 401."},"Message401":{"required":["category","code"],"type":"object","properties":{"category":{"$ref":"#/components/schemas/MessageCategory"},"code":{"$ref":"#/components/schemas/MessageCode401"},"path":{"type":"string","description":"Path to the specific property or location within the request payload or resource \nthat caused the error. 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Helps pinpoint the exact issue in nested objects, arrays, \nor URL path segments for easier debugging.","nullable":true},"text":{"maxLength":500,"type":"string","description":"Additional explaining text to the intermediary service.","nullable":true}},"additionalProperties":false,"description":""},"MessageCode403":{"enum":["CONSENT_UNKNOWN","SERVICE_BLOCKED","RESOURCE_UNKNOWN","RESOURCE_EXPIRED"],"type":"string","description":"Message codes defined for HTTP Error code 403 (FORBIDDEN)."},"Error404IOBWS":{"type":"object","properties":{"messages":{"type":"array","items":{"$ref":"#/components/schemas/Message404"},"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 404.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"A _link object with all available link types.","nullable":true}},"additionalProperties":false,"description":"IOBWS specific definition of reporting error information in case of a HTTP error code 404."},"Message404":{"required":["category","code"],"type":"object","properties":{"category":{"$ref":"#/components/schemas/MessageCategory"},"code":{"$ref":"#/components/schemas/MessageCode404"},"path":{"type":"string","description":"Path to the specific property or location within the request payload or resource \nthat caused the error. 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Please note, that the current line of credit of a given card might be tighter than what the balance response will suggest, due to credit limits on the card account and transactions by other cards to the same account.","operationId":"ReadCardDetails","parameters":[{"name":"cardId","in":"path","description":"This identification is denoting the addressed card. The card-id is retrieved by using a \\\"Read Card List\\\" call. The card-id is the \\\"resourceId\\\" attribute of the card structure. Its value is constant at least throughout the lifecycle of a given consent.","required":true,"schema":{"type":"string"}},{"name":"xRequestID","in":"header","description":"ID of the request, unique to the call, as determined by the initiating party.","schema":{"type":"string","format":"uuid"}}],"responses":{"200":{"description":"OK","content":{"application/json":{"schema":{"$ref":"#/components/schemas/ReadCardDetailsResponse200Json"}}}},"400":{"description":"Bad Request","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error400IOBWS"}}}},"401":{"description":"Unauthorized","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error401IOBWS"}}}},"403":{"description":"Forbidden","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error403IOBWS"}}}},"404":{"description":"Not found","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error404IOBWS"}}}},"405":{"description":"Method Not Allowed","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error405IOBWS"}}}},"408":{"description":"Request Timeout"},"415":{"description":"Unsupported Media Type"},"429":{"description":"Too Many Requests","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error429IOBWS"}}}},"500":{"description":"Internal Server Error"},"503":{"description":"Service Unavailable"}}}}}}
```

## Read transaction list of a card.

> Reads transaction list or transaction report from a given card addressed by \\"card-id\\".

```json
{"openapi":"3.0.4","info":{"title":"IOBWS 3.0 Cards","version":"v1"},"tags":[{"name":"Cards API Reference","description":"IOBWS 3.0 Debit and credit cards, details and statements."}],"servers":[{"url":"https://apigwsandbox.arionbanki.is/cards","description":"Cards API Host - Sandbox"},{"url":"https://apigw.arionbanki.is/cards","description":"Cards API Host - Production"}],"security":[{"oauth2":["b2b"],"SubscriptionKey":[]}],"components":{"securitySchemes":{"oauth2":{"type":"http","description":"Authorization header using the Bearer scheme. The Curity-issued OAuth2 access token, sent as `Bearer <token>`. Required on every request.\n\nToken URL: https://apigw.arionbanki.is/oauth/v2/oauth-token","scheme":"bearer"}},"schemas":{"ReadCardTransactionsResponse200Json":{"type":"object","properties":{"card":{"$ref":"#/components/schemas/AccountReference"},"cardTransactions":{"$ref":"#/components/schemas/CardAccountReport"},"balances":{"type":"array","items":{"$ref":"#/components/schemas/Balance"},"description":"A list of balances regarding this account, e.g. the current balance, the last booked balance. The list might be restricted to the current balance. This is not supported for transaction history.","nullable":true}},"additionalProperties":false,"description":"Transactions of the cards."},"AccountReference":{"type":"object","properties":{"iban":{"pattern":"[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}","type":"string","description":"IBAN of an account.","nullable":true},"bban":{"pattern":"[a-zA-Z0-9]{1,30}","type":"string","description":"Basic Bank Account Number (BBAN) Identifier.","nullable":true},"pan":{"maxLength":35,"type":"string","description":"Primary Account Number according to ISO/IEC 7812.","nullable":true},"maskedPan":{"maxLength":35,"type":"string","description":"Masked Primary Account Number.","nullable":true},"msisdn":{"maxLength":35,"type":"string","description":"Mobile phone number.","nullable":true},"currency":{"pattern":"[A-Z]{3}","type":"string","description":"ISO 4217 Alpha 3 currency code.","nullable":true}},"additionalProperties":false,"description":"Reference to an account by either:\n            \n* IBAN, of a payment accounts, or\n* BBAN, for payment accounts if there is no IBAN, or\n* the Primary Account Number (PAN) of a card, can be tokenised by the Bank due to PCI DSS requirements, or\n* the Primary Account Number (PAN) of a card in a masked form, or\n* an alias to access a payment account via a registered mobile phone number (MSISDN)."},"CardAccountReport":{"required":["_links","booked"],"type":"object","properties":{"booked":{"type":"array","items":{"$ref":"#/components/schemas/CardTransaction"},"description":"Array of booked transaction details."},"pending":{"type":"array","items":{"$ref":"#/components/schemas/CardTransaction"},"description":"Array of pending transaction details.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"A list of hyperlinks recognized by the intermediary service."}},"additionalProperties":false,"description":"JSON based card account report.  This card account report contains transactions resulting from the query parameters."},"CardTransaction":{"required":["transactionAmount"],"type":"object","properties":{"cardTransactionId":{"maxLength":35,"type":"string","description":"Unique end to end identity.","nullable":true},"terminalId":{"maxLength":35,"type":"string","description":"Identification of the Terminal, where the card has been used.","nullable":true},"transactionDate":{"type":"string","description":"Date of the actual card transaction.","format":"date-time","nullable":true},"acceptorTransactionDateTime":{"type":"string","description":"Timestamp of the actual card transaction within the acceptance system","format":"date-time","nullable":true},"bookingDate":{"type":"string","description":"The date when an entry is posted to an account on the Banks books.","format":"date-time","nullable":true},"transactionAmount":{"$ref":"#/components/schemas/Amount"},"currencyExchange":{"type":"array","items":{"$ref":"#/components/schemas/ReportExchangeRate"},"description":"Array of exchange rates.","nullable":true},"originalAmount":{"$ref":"#/components/schemas/Amount"},"markupFee":{"$ref":"#/components/schemas/Amount"},"markupFeePercentage":{"type":"string","description":"Markup fee percentage.","nullable":true},"cardAcceptorId":{"maxLength":35,"type":"string","description":"Card acceptor Id.","nullable":true},"cardAcceptorAddress":{"$ref":"#/components/schemas/Address"},"cardAcceptorPhone":{"pattern":"\\+[0-9]{1,3}-[0-9()+\\-]{1,30}","type":"string","description":"Merchant phone number It consists of a \"+\" followed by the country code (from 1 to 3 characters) then a \"-\" and finally, any combination of numbers, \"(\", \")\", \"+\" and \"-\" (up to 30 characters). pattern according to ISO20022 +[0-9]{1,3}-[0-9()+-]{1,30}","nullable":true},"merchantCategoryCode":{"maxLength":4,"minLength":4,"type":"string","description":"Merchant category code.","nullable":true},"maskedPAN":{"maxLength":35,"type":"string","description":"Masked Primary Account Number.","nullable":true},"transactionDetails":{"maxLength":140,"type":"string","description":"Transaction details.","nullable":true},"posEntryMode":{"$ref":"#/components/schemas/PosEntryMode"},"invoiced":{"type":"boolean","description":"Invoiced.","nullable":true},"proprietaryBankTransactionCode":{"maxLength":35,"type":"string","description":"Proprietary bank transaction code as used within a community or within an Bank e.g. for MT94x based transaction reports.","nullable":true},"cardTransactionAttachments":{"$ref":"#/components/schemas/CardTransactionAttachmentInformation"}},"additionalProperties":false,"description":"Card transaction information."},"Amount":{"required":["amount","currency"],"type":"object","properties":{"currency":{"minLength":1,"pattern":"[A-Z]{3}","type":"string","description":"ISO 4217 Alpha 3 currency code."},"amount":{"minLength":1,"pattern":"-?[0-9]{1,14}(\\.[0-9]{1,3})?","type":"string","description":"Gets or sets the amount with fractional digits. Fractions must comply with the currency definition.\nUp to 14 significant figures are allowed. Negative amounts are prefixed with a minus sign.\nThe decimal separator is a dot.\n            \n<example>\nValid representations for EUR with up to two decimals are:\n* 1056\n* 5768.2\n* -1.50\n* 5877.78\n</example>"}},"additionalProperties":false,"description":""},"ReportExchangeRate":{"required":["exchangeRate","quotationDate","sourceCurrency","targetCurrency","unitCurrency"],"type":"object","properties":{"sourceCurrency":{"minLength":1,"pattern":"[A-Z]{3}","type":"string","description":"ISO 4217 Alpha 3 currency code."},"exchangeRate":{"minLength":1,"type":"string","description":"Exchange rate"},"unitCurrency":{"minLength":1,"type":"string","description":"Unit currency"},"targetCurrency":{"minLength":1,"pattern":"[A-Z]{3}","type":"string","description":"ISO 4217 Alpha 3 currency code."},"quotationDate":{"type":"string","description":"Quotation date","format":"date-time"},"contractIdentification":{"type":"string","description":"Contract identification","nullable":true}},"additionalProperties":false,"description":"Exchange Rate."},"Address":{"required":["country"],"type":"object","properties":{"streetName":{"maxLength":70,"type":"string","description":"Gets or Sets StreetName","nullable":true},"buildingNumber":{"type":"string","description":"Gets or Sets BuildingNumber","nullable":true},"townName":{"type":"string","description":"Gets or Sets TownName","nullable":true},"postCode":{"type":"string","description":"Gets or Sets PostCode","nullable":true},"country":{"minLength":1,"pattern":"[A-Z]{2}","type":"string","description":"Gets or Sets Country"}},"additionalProperties":false,"description":""},"PosEntryMode":{"enum":["UNKNOWN","MAGIC_STRIP","CHIP","TOUCHLESS","RECURRING","MANUAL","MOTO"],"type":"string","description":"Card transaction orginated from."},"CardTransactionAttachmentInformation":{"type":"object","properties":{"links":{"type":"array","items":{"$ref":"#/components/schemas/Link"},"description":"List of links to the attachment, e.g. an image or a pdf file.","nullable":true},"keys":{"type":"object","additionalProperties":{"type":"string"},"description":"A list of key-value pairs. Kostnaðarstöð.","nullable":true},"description":{"type":"string","description":"Description of the attachment.","nullable":true}},"additionalProperties":false},"Link":{"type":"object","properties":{"url":{"$ref":"#/components/schemas/HrefType"},"fileExtension":{"type":"string","description":"File extension of the attachment. E.g. \"pdf\" or \"jpg\".","nullable":true}},"additionalProperties":false},"HrefType":{"type":"object","properties":{"href":{"type":"string","description":"Href.","nullable":true}},"additionalProperties":false,"description":"Link to a resource."},"Balance":{"required":["balanceAmount","balanceType"],"type":"object","properties":{"balanceAmount":{"$ref":"#/components/schemas/Amount"},"balanceType":{"$ref":"#/components/schemas/BalanceType"},"creditLimitIncluded":{"type":"boolean","description":"A flag indicating if the credit limit of the corresponding account is included in the calculation of the balance, where applicable.","nullable":true},"lastChangeDateTime":{"type":"string","description":"This data element might be used to indicate e.g. with the expected or booked balance that no action is known on the account, which is not yet booked.","format":"date-time","nullable":true},"referenceDate":{"type":"string","description":"Reference date of the balance.","format":"date-time","nullable":true},"lastCommittedTransaction":{"maxLength":35,"type":"string","description":"\\\"entryReference\\\" of the last commited transaction to support the intermediary service in identifying whether all user's transactions are already known.","nullable":true}},"additionalProperties":false,"description":"A single balance element."},"BalanceType":{"enum":["closingBooked","expected","openingBooked","interimAvailable","interimBooked","forwardAvailable","nonInvoiced"],"type":"string","description":"The following balance types are defined:\n            \n* **closingBooked**: Balance of the account at the end of the pre-agreed account reporting period. It is the sum of the opening booked balance at the beginning of the period and all entries booked to the account during the pre-agreed account reporting period. For card-accounts, this is composed of invoiced, but not yet paid entries.\n* **expected**: Balance composed of booked entries and pending items known at the time of calculation, which projects the end of day balance if everything is booked on the account and no other entry is posted. For card accounts, this is composed of invoiced but not yet paid entries, not yet invoiced but already booked entries and pending items (not yet booked). For card-accounts: \"money to spend with the value of a pre-approved credit limit on the card account\".\n* **openingBooked**: Book balance of the account at the beginning of the account reporting period. It always equals the closing book balance from the previous report.\n* **interimAvailable**: Available balance calculated in the course of the account servicer's business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified. For card-accounts, this is composed of invoiced but not yet paid entries and not yet invoiced but already booked entries.\n* **interimBooked**: Balance calculated in the course of the account servicer's business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified.\n* **forwardAvailable**: Forward available balance of money that is at the disposal of the account owner on the date specified.\n* **nonInvoiced**: Only for card accounts, to be checked yet."},"Error400IOBWS":{"type":"object","properties":{"messages":{"type":"array","items":{"$ref":"#/components/schemas/Message400"},"description":"Category of the intermediary service message category.","nullable":true},"_links":{"type":"object","additionalProperties":{"$ref":"#/components/schemas/HrefType"},"description":"A _link object with all available link types.","nullable":true}},"additionalProperties":false},"Message400":{"required":["category","code"],"type":"object","properties":{"category":{"$ref":"#/components/schemas/MessageCategory"},"code":{"$ref":"#/components/schemas/MessageCode400"},"path":{"type":"string","description":"Path to the specific property or location within the request payload or resource \nthat caused the error. 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Helps pinpoint the exact issue in nested objects, arrays, \nor URL path segments for easier debugging.","nullable":true},"text":{"maxLength":500,"type":"string","description":"Additional explaining text to the intermediary service.","nullable":true}},"additionalProperties":false,"description":""},"MessageCode429":{"enum":["ACCESS_EXCEEDED"],"type":"string","description":"Message codes for HTTP Error code 429 (TOO MANY REQUESTS)."}}},"paths":{"/api/v1/cards/{cardId}/transactions":{"get":{"tags":["Cards API Reference"],"summary":"Read transaction list of a card.","description":"Reads transaction list or transaction report from a given card addressed by \\\"card-id\\\".","operationId":"ReadCardTransactionData","parameters":[{"name":"cardId","in":"path","description":"This identification is denoting the addressed card. The card-id is retrieved by using a \\\"Read Card List\\\" call. The card-id is the \\\"resourceId\\\" attribute of the card structure. Its value is constant at least throughout the lifecycle of a given consent.","required":true,"schema":{"type":"string"}},{"name":"bookingStatus","in":"query","description":"Permitted codes are   \n            * \\\"information\\\",   \n            * \\\"booked\\\",   \n            * \\\"pending\\\", and   \n            * \\\"both\\\" \n            \n            \\\"booked\\\" shall be supported by the Bank. To support the \\\"pending\\\" and \\\"both\\\" feature is optional for the Bank, Error code if not supported in the online banking frontend","required":true,"schema":{"type":"string"}},{"name":"xRequestID","in":"header","description":"ID of the request, unique to the call, as determined by the initiating party.","schema":{"type":"string","format":"uuid"}},{"name":"dateFrom","in":"query","description":"Conditional: Starting date (inclusive the date dateFrom) of the expected list, mandated if no delta access is required and if bookingStatus does not equal \\\"information.  The relevant date is usually the booking date of the instrument e.g. financial transaction or currency rate value date.","schema":{"type":"string","format":"date-time"}},{"name":"dateTo","in":"query","description":"End date (inclusive the data dateTo) of the expected list, default is \\\"now\\\" if not given.  Might be ignored if a delta function is used.  The relevant date is usually the booking date of the instrument e.g. financial transaction or currency rate value date.","schema":{"type":"string","format":"date-time"}}],"responses":{"200":{"description":"OK","content":{"application/json":{"schema":{"$ref":"#/components/schemas/ReadCardTransactionsResponse200Json"}}}},"400":{"description":"Bad Request","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error400IOBWS"}}}},"401":{"description":"Unauthorized","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error401IOBWS"}}}},"403":{"description":"Forbidden","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error403IOBWS"}}}},"404":{"description":"Not found","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error404IOBWS"}}}},"405":{"description":"Method Not Allowed","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error405IOBWS"}}}},"408":{"description":"Request Timeout"},"415":{"description":"Unsupported Media Type"},"429":{"description":"Too Many Requests","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error429IOBWS"}}}},"500":{"description":"Internal Server Error"},"503":{"description":"Service Unavailable"}}}}}}
```