FinancialProduct Schema — Loans, Accounts, and Cards
FinancialProduct describes what a bank, lender, card issuer, or investment firm offers: the product, who provides it, its rate, and its fees.
Generate FinancialProduct JSON-LDWhat is FinancialProduct?
Schema.org defines FinancialProduct as "a product provided to consumers and businesses by financial institutions such as banks, insurance companies, brokerage firms, consumer finance companies, and investment companies which comprise the financial services industry."
Despite the name, it sits under Service, not Product: Thing → Intangible → Service → FinancialProduct. It inherits Service properties such as provider, areaServed, and offers, and adds three of its own:
interestRate: the interest rate, as a number or a range.annualPercentageRate: the APR, including fees and other costs over a year.feesAndCommissionsSpecification: a description of the fees, or a URL to the fee schedule.
Pick the most specific type
FinancialProduct has more specific subtypes. Use the one that matches the page:
| What the page offers | Use |
|---|---|
| Personal loan, auto loan, line of credit | LoanOrCredit |
| Mortgage | MortgageLoan |
| Checking or savings account | BankAccount (or DepositAccount) |
| Credit card | CreditCard |
| Debit, store, or other card | PaymentCard |
| CDs, funds, brokerage accounts | InvestmentOrDeposit |
| Money transfer, payment processing | PaymentService |
| Currency exchange | CurrencyConversionService |
CreditCard is a subtype of both LoanOrCredit and PaymentCard, so it can use properties from both: annualPercentageRate, cashBack, and contactlessPayment, for example.
Product vs. FinancialProduct vs. Service
This is the most common question about this type:
- Product is for goods you can buy: physical items or downloadable products. Google's product and merchant listing features are documented for the Product type.
- FinancialProduct is for loans, accounts, cards, investments, and payment services. It is a kind of Service on schema.org.
- Service is the general type. Use it only if none of the financial subtypes fit.
Marking a loan or a savings account as Product to chase product rich results misdescribes it. Use the financial type that is true.
Google Search status
Google Search has no rich result for FinancialProduct or its subtypes. The markup is still valid schema.org: it tells search engines and AI assistants exactly what you offer, who provides it, and at what rate. For the bank or branch itself, use Organization or LocalBusiness markup on the relevant pages.
Useful properties by subtype
- LoanOrCredit:
amount(as a MonetaryAmount or a range),loanTerm,loanType,requiredCollateral,gracePeriod,recourseLoan,renegotiableLoan. - BankAccount:
bankAccountType,accountMinimumInflow,accountOverdraftLimit. - PaymentCard:
cashBack,contactlessPayment,floorLimit,monthlyMinimumRepaymentAmount.
How to build one here
- 01
Choose the most specific subtype from the table above.
- 02
Enter the product name, description, and page URL as shown on the page.
- 03
Add the provider as an Organization with its name and URL.
- 04
Add the rate, APR, or both, exactly as the page shows them.
- 05
Link or describe the fees with feesAndCommissionsSpecification.
- 06
Copy the JSON-LD into the page and check it in the Schema Markup Validator.
Keep it accurate
- Rates change. Update
interestRateandannualPercentageRatewhenever the page changes. Stale rates in markup mislead people. - Ranges are fine. If the APR depends on credit, publish the range shown on the page with a QuantitativeValue
minValueandmaxValue. - Match the disclosures. Fees and terms in the markup should match the disclosures visitors see.
- One product per page. Comparison pages that list many products are better described with an ItemList of the individual products.
Recommended properties
namedescriptionproviderurlinterestRateannualPercentageRatefeesAndCommissionsSpecificationareaServedoffers
{
"@context": "https://schema.org",
"@type": "LoanOrCredit",
"name": "Example Bank Personal Loan",
"description": "Unsecured personal loans from $2,000 to $40,000 with fixed monthly payments.",
"url": "https://www.examplebank.com/loans/personal",
"provider": {
"@type": "Organization",
"name": "Example Bank",
"url": "https://www.examplebank.com"
},
"amount": {
"@type": "MonetaryAmount",
"minValue": 2000,
"maxValue": 40000,
"currency": "USD"
},
"loanTerm": {
"@type": "QuantitativeValue",
"minValue": 24,
"maxValue": 60,
"unitCode": "MON"
},
"annualPercentageRate": {
"@type": "QuantitativeValue",
"minValue": 7.99,
"maxValue": 24.99
},
"feesAndCommissionsSpecification": "https://www.examplebank.com/loans/personal/fees",
"areaServed": {
"@type": "Country",
"name": "United States"
}
}{
"@context": "https://schema.org",
"@type": "BankAccount",
"name": "High-Yield Savings",
"description": "Savings account with no monthly fee and a variable interest rate.",
"url": "https://www.examplebank.com/savings",
"provider": {
"@type": "Organization",
"name": "Example Bank",
"url": "https://www.examplebank.com"
},
"bankAccountType": "Savings account",
"interestRate": 4.1,
"feesAndCommissionsSpecification": "No monthly maintenance fee. See the fee schedule for wire and overdraft fees."
}{
"@context": "https://schema.org",
"@type": "CreditCard",
"name": "Example Rewards Card",
"url": "https://www.examplebank.com/cards/rewards",
"provider": {
"@type": "Organization",
"name": "Example Bank",
"url": "https://www.examplebank.com"
},
"annualPercentageRate": 21.49,
"cashBack": 1.5,
"contactlessPayment": true,
"feesAndCommissionsSpecification": "https://www.examplebank.com/cards/rewards/terms"
}FAQs
FinancialProduct, Product, or Service?ShowHide
On schema.org, FinancialProduct is a kind of Service. Use it (or one of its subtypes) for loans, accounts, cards, investments, and payment services. Use Product for physical or digital goods. Use plain Service only when no financial subtype fits.
Will this give my loan or card page a rich result?ShowHide
No. Google has no rich result for FinancialProduct, and its Product features are documented for the Product type. The markup still describes your offer clearly for search engines and AI assistants.
interestRate or annualPercentageRate?ShowHide
Both are defined on FinancialProduct. interestRate is the nominal rate. annualPercentageRate includes fees and other costs over a year. Publish whichever your page shows, and both if it shows both.
How do I mark up the bank or lender?ShowHide
Use provider with an Organization, or a BankOrCreditUnion if the provider is a local branch. Give it a name and URL so the product links to the right company.