Core banking schema template

Tables in this data model

• customers — 4 columns
• products — 4 columns
• accounts — 6 columns
• transactions — 4 columns
• postings — 5 columns
• cards — 5 columns
• loans — 4 columns
• statements — 4 columns

How to use this ER diagram template

1. Click Open in the editor. The ER diagram opens on a new page in FlowDiagram — nothing is uploaded and there is no sign-up.
2. Rename, add or delete shapes and drag them where you want; connectors stay attached as things move.
3. Drop in vendor logos from the library — 1,160 of them, including every AWS, Azure and Google Cloud service icon — or restyle it with the colour and theme controls.
4. Prefer text? Edit the SQL DDL below and paste it in through ☰ → Import / export SQL; the finished model exports back to DDL.
5. Export to PNG, SVG or PDF, or press Ctrl+L for a link that carries the whole diagram.

SQL DDL source

The whole template is the text below. Paste it into FlowDiagram, keep it in Git next to the code it describes, or hand it to an AI assistant to extend.

CREATE TABLE customers (
  customer_id INTEGER      NOT NULL PRIMARY KEY,
  full_name   VARCHAR(150) NOT NULL,
  kyc_status  VARCHAR(20)  NOT NULL,
  risk_rating VARCHAR(10)
);

CREATE TABLE products (
  product_id INTEGER     NOT NULL PRIMARY KEY,
  name       VARCHAR(80) NOT NULL,
  kind       VARCHAR(20) NOT NULL,
  interest_rate DECIMAL(6,4)
);

CREATE TABLE accounts (
  account_id  INTEGER       NOT NULL PRIMARY KEY,
  customer_id INTEGER       NOT NULL REFERENCES customers(customer_id),
  product_id  INTEGER       NOT NULL REFERENCES products(product_id),
  iban        VARCHAR(34)   NOT NULL UNIQUE,
  balance     DECIMAL(18,2) NOT NULL,
  status      VARCHAR(20)   NOT NULL
);

CREATE TABLE transactions (
  txn_id     INTEGER     NOT NULL PRIMARY KEY,
  reference  VARCHAR(40) NOT NULL,
  booked_at  TIMESTAMP   NOT NULL,
  channel    VARCHAR(20)
);

CREATE TABLE postings (
  posting_id INTEGER       NOT NULL PRIMARY KEY,
  txn_id     INTEGER       NOT NULL REFERENCES transactions(txn_id),
  account_id INTEGER       NOT NULL REFERENCES accounts(account_id),
  amount     DECIMAL(18,2) NOT NULL,
  direction  CHAR(1)       NOT NULL
);

CREATE TABLE cards (
  card_id    INTEGER     NOT NULL PRIMARY KEY,
  account_id INTEGER     NOT NULL REFERENCES accounts(account_id),
  last4      CHAR(4)     NOT NULL,
  status     VARCHAR(20) NOT NULL,
  expires_on DATE        NOT NULL
);

CREATE TABLE loans (
  loan_id     INTEGER       NOT NULL PRIMARY KEY,
  account_id  INTEGER       NOT NULL REFERENCES accounts(account_id),
  principal   DECIMAL(18,2) NOT NULL,
  term_months INTEGER       NOT NULL
);

CREATE TABLE statements (
  statement_id INTEGER NOT NULL PRIMARY KEY,
  account_id   INTEGER NOT NULL REFERENCES accounts(account_id),
  period_start DATE    NOT NULL,
  period_end   DATE    NOT NULL
);

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