External Transfer Settings
Consumer API
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API Reference
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v0
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Transfers
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External Transfer Settings
openapi: 3.0.0
info:
title: Settings
version: '0.0'
servers:
- url: 'https://{API_ENVIRONMENT}/a/transfer-settings/api/v0'
variables:
API_ENVIRONMENT:
default: digital.garden-fi.com
description: FI specific hostname
tags:
- name: User External Transfer Settings
paths:
"/institutions/{institutionId}/users/{userId}/transfer/settings/external/calculated":
get:
tags:
- User External Transfer Settings
description:
security:
- OpenID_Connect:
- 'https://api.banno.com/consumer/auth/transfers.accounts.readonly'
- 'https://api.banno.com/consumer/auth/transfers.accounts.readwrite'
parameters:
- in: path
name: institutionId
description: Institution ID
required: true
schema:
type: string
- in: path
name: userId
description: ID of the banno user
required: true
schema:
type: string
responses:
"200":
description: OK
content:
application/json:
schema:
$ref: "#/components/schemas/GetExternalTransferSettings"
"403":
description: User is not permitted to use External Transfer Settings feature
content:
application/json:
schema:
$ref: "#/components/schemas/NoAbilityForbidden"
"500":
description: Internal error
components:
securitySchemes:
OpenID_Connect:
type: openIdConnect
description: OpenID Connect - Discovery endpoint will be institution specific
openIdConnectUrl: >-
https://digital.garden-fi.com/a/consumer/api/v0/oidc/.well-known/openid-configuration
schemas:
GetExternalTransferSettings:
type: object
properties:
additionalMessage:
type: string
cutOffTime:
type: string
description: This time should be local to institution's timezone
format: hh:mm:ss
example: "17:00:00"
inboundFee:
type: number
description: Optional number. Sending null indicates 'user fee value from core'.
Field missing indicates to fall back to the setting we already have
for the institution.
example: 1
outboundFee:
type: number
description: Optional. Sending null indicates 'user fee value from core'. Field
missing indicates to fall back to the setting we already have for
the institution.
example: 1
dailyInboundLimit:
type: number
description: Optional. Sending null indicates 'user has no limit'. Field missing
indicates to fall back to the setting we already have for the
institution.
example: 1
dailyOutboundLimit:
type: number
description: Optional. Sending null indicates 'user has no limit'. Field missing
indicates to fall back to the setting we already have for the
institution.
example: 1
dailyInboundQuantitativeLimit:
type: number
description: "Optional. How many inbound transfers can this user make in a single
day? If this field appears, the field override is set to `true`,
otherwise the override is set to `false` "
example: 42
dailyOutboundQuantitativeLimit:
type: number
description: "Optional. How many outbound transfers can this user make in a
single day? If this field appears, the field override is set to
`true`, otherwise the override is set to `false` "
example: 42
inboundHighRiskThreshold:
type: number
description: Optional. Limit from which an inbound transfer is considered as a
high risk operation.
example: 1000000.23
outboundHighRiskThreshold:
type: number
description: Optional. Limit from which an inbound transfer is considered as a
high risk operation.
example: 1000000.23
overrideInstitutionInboundHighRiskThreshold:
type: boolean
description: Optional. Whether the User's HighRisk Inbound Threshold should
override the Institution's ones
overrideInstitutionOutboundHighRiskThreshold:
type: boolean
description: " Optional. Whether the User's HighRisk Outbound Threshold should
override the Institution's ones"
NoAbilityForbidden:
type: object
required:
- errorCode
properties:
errorCode:
type: number
enum:
- 40
description: 40 - User is not permitted use ExternalTransferSettings Endpoints
based on the users ability.
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Last updated Wed Feb 4 2026