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Proprietary Bank Transaction Codes

The proprietary bank transaction codes returned vary between Zopa products. Details of these are outlined below:

Product Code Definition
Credit Card BALANCE_TRANSFER Balance transfer linked to an account
Credit Card BALANCE_TRANSFER_FEE Fee on a balance transfer
Credit Card BALANCE_TRANSFER_REFUNDED Refund of a balance transfer
Credit Card BALANCE_TRANSFER_FEE_REFUNDED Refund of a balance transfer fee
Credit Card BALANCE_TRANSFER_INTEREST Interest on a balance transfer
Credit Card CASH_WITHDRAWAL Cash withdrawal made by the cardholder
Credit Card CASH_WITHDRAWAL_INTEREST Interest accrued on cash withdrawals
Credit Card CASH_WITHDRAWAL_FEE Fee charged on a cash withdrawal
Credit Card CASH_WITHDRAWAL_FEE_REFUNDED Refund of a fee charged on a cash withdrawal
Credit Card DISPUTE_REFUNDED Refund due to a dispute claim
Credit Card DISPUTE_REJECTED Dispute claim unsuccessful
Credit Card FEE_INTEREST Interest on fees
Credit Card FRAUD_REFUNDED Refund due to a fraud claim
Credit Card FRAUD_REJECTED Fraud claim unsuccessful
Credit Card GENERIC_ADJUSTMENT An adjustment or correction
Credit Card GOODWILL_PAYMENT Goodwill gesture
Credit Card INTEREST_REFUNDED Interest refund
Credit Card MISSED_PAYMENT_FEE Fee due to a missed payment
Credit Card MISSED_PAYMENT_FEE_REFUNDED Refund of a missed payment fee
Credit Card PURCHASE A purchase made by the cardholder
Credit Card PURCHASE_INTEREST Interest on purchases made by the cardholder
Credit Card REFUND Refund
Credit Card REPAYMENT Repayment made the cardholder
Credit Card REPAYMENT_UNAPPLIED Reversal of a repayment made by the cardholder
Credit Card WRITE_OFF A write-off
Current Account AUTHORISATION_APPROVED A card payment authorisation that was approved
Current Account AUTHORISATION_DECLINED A card payment authorisation that was declined
Current Account AUTHORISATION_REVERTED A card payment that was reverted
Current Account AUTHORISATION_INCREASE An increase to a card authorisation requested by a merchant
Current Account AUTHORISATION_INCREASE_APPROVED An increase in the authorisation hold on a card that was approved
Current Account AUTHORISATION_INCREASE_REVERTED An increase in the authorisation hold on a card that was approved but subsequently declined
Current Account AUTHORISATION_INCREASE_DECLINED An increase in the authorisation hold on a card that was declined
Current Account AUTHORISATION_ADVICE A reduction in the authorisation amount on a card provided by the merchant
Current Account AUTHORISATION_REDUCED A reduction in the authorisation amount on a card by the merchant, provided as a delta amount
Current Account AUTHORISATION_REVERSAL_ISSUER_EXPIRATION A reversal generated when an authorised payment is not cleared by the merchant before expiration
Current Account AUTHORISATION_REVERSAL A decrease in the authorisation amount on a card when the final transaction amount is less than the initial authorisation
Current Account PURCHASE_CLEARING A purchase or cash withdrawal that has been cleared
Current Account AUTH_ADJUSTMENT_FOR_PURCHASE An adjustment to clear any pending authorisation amount immediately after a purchase clearing
Current Account PURCHASE_CLEARING_NO_AUTH A purchase or cash withdrawal that was cleared without any prior authorisation
Current Account MERCHANT_REFUND Refund issued by the merchant after the original transaction has cleared
Current Account OCT_Authorisation_Approved An acknowledgement of an approved authorisation
Current Account OCT_Authorisation_Reverted An authorisation that was reverted after being initially approved
Current Account OCT_Authorisation_Reverted_Timeout An authorisation that was reverted after being initially approved
Current Account OCT_Clearing A transaction that has been cleared
Current Account OCT_Authorisation_Decline An authorisation that was declined
Current Account OCT_Authorisation_Reversed A merchant reversal of an authorisation
Current Account OCT_Authorisation_Reversed_Issuer_Expiration A merchant reversal of an authorisation due to issuer expiration
Current Account FASTER_PAYMENT_IN A settled inbound faster payment
Current Account FASTER_PAYMENT_IN_AUTHORISATION A pending inbound faster payment
Current Account FASTER_PAYMENT_IN_EXTERNALLY_HELD An inbound faster payment that is being held
Current Account FASTER_PAYMENT_IN_ADDITIONAL_SCREENING An inbound faster payment that is being held
Current Account FASTER_PAYMENT_IN_SCREENING_FAILED An inbound faster payment that was rejected
Current Account FASTER_PAYMENT_IN_RETURN An inbound faster payment returned by the receiving bank
Current Account FASTER_PAYMENT_OUT_AUTHORISATION_APPROVED An outbound faster payment authorisation that was approved
Current Account FASTER_PAYMENT_OUT_AUTHORISATION_DECLINED An outbound faster payment authorisation that was declined
Current Account FASTER_PAYMENT_OUT_AUTHORISATION_APPROVED_RELEASED A failed outbound faster payment
Current Account FASTER_PAYMENT_OUT_ADDITIONAL_SCREENING A outbound faster payment undergoing screening
Current Account FASTER_PAYMENT_OUT_FAILED A failed outbound faster payment
Current Account FASTER_PAYMENT_OUT_REJECTED A failed outbound faster payment
Current Account FASTER_PAYMENT_OUT_SCREENING_FAILED A failed outbound faster payment
Current Account FASTER_PAYMENT_OUT_SENT A successful outbound faster payment
Current Account DIRECT_DEBIT_REQUEST A direct debit payment
Current Account DIRECT_CREDIT_REQUEST A direct credit payment
Current Account INTEREST_APPLIED Monthly interest payment
Current Account CASHBACK_APPLIED Monthly cashback payment
Current Account ARD_PURCHASE_CASHBACK_APPLIED Monthly card spend cashback payment
Current Account FEEDBACK_PAYMENT A thank you payment for customers providing feedback
Current Account INTEREST_INCREASE_ADJUSTMENT An interest adjustment
Current Account ADJUSTMENT_INCREASE_COMMITTED An adjustment or correction
Current Account ADJUSTMENT_DECREASE_COMMITTED An adjustment or correction
Current Account CARD_ADJUSTMENT_INCREASE_PENDINGOUT An adjustment or correction
Current Account CARD_ADJUSTMENT_REVERSE_PENDINGOUT An adjustment or correction
Current Account PAYMENT_ADJUSTMENT_INCREASE_PENDING An adjustment or correction
Current Account PAYMENT_ADJUSTMENT_REVERSE_PENDING An adjustment or correction
Current Account POO_RELEASE_FUND An overseas payment
Current Account MANUAL_PAYMENT_OUT An outbound payment
Current Account CASHBACK_BONUS A cashback bonus payment
Current Account APPLE_PAY_INCENTIVE Apple Pay bonus payment
Current Account OFP_BANK_ERROR_REFUND A refund
Current Account MANUAL_FEE A fee charged to the customer
Current Account CARD_DISPUTE_REFUND A refund
Current Account CARD_FRAUD_REFUND A refund
Current Account Interest_Refund A refund
Current Account Interest_Refund_Reversal A refund reversal
Current Account CARD_DISPUTE_REFUND_NONRECOVERABLE A refund
Current Account CARD_FRAUD_REFUND_NONRECOVERABLE A refund
Current Account CARD_DISPUTE_REFUND_REVERSAL A refund reversal
Current Account CARD_FRAUD_REFUND_REVERSAL A refund reversal
Current Account OFP_APP_FRAUD_REFUND A refund
Current Account OFP_UNAUTHORISED_REFUND A refund
Current Account DIRECT_DEBIT_REFUND A refund
Current Account DIRECT_DEBIT_REFUND_REVERSAL A refund reversal
Current Account IFP_APP_FRAUD_DEDUCTION A deduction
Current Account IFP_APP_FRAUD_DEDUCTION_REVERSAL A deduction reversal
Current Account GOODWILL_PAYMENT Goodwill gesture
Current Account INTEREST_REFUND A refund
Current Account INTEREST_REFUND_REVERSAL A refund reversal
Current Account OFP_UNAUTHORISED_REFUND A refund
Current Account DIRECT_DEBIT_REFUND A refund
Current Account DIRECT_DEBIT_REFUND_REVERSAL A refund reversal
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