FinancialProduct

FinancialProduct is the parent type for anything a bank, insurer, or fintech publishes as a buyable product: BankAccount, LoanOrCredit, PaymentCard, CurrencyConversionService, DepositAccount, InvestmentOrDeposit, and several subtypes that inherit the rate / APR / fees properties.

It lives under Service and is typically attached to a FinancialService hasOfferCatalog for product listings, or directly offered via itemOffered on an Offer.

Full example of schema.org/FinancialProduct json-ld markup

The markup is verified as valid with Rich Results Test from Google.

Highlight legend:Required by GoogleRecommendedOptional

schema.org/FinancialProduct

<script type="application/ld+json">
{
  "@context": "https://schema.org",
  "@type": "FinancialProduct",
  "name": "XooWealth Managed Portfolio",
  "provider": { "@type": "BankOrCreditUnion", "name": "Dunmore Savings & Loan" },
  "interestRate": {
    "@type": "QuantitativeValue",
    "value": 5.25,
    "unitText": "percent"
  },
  "annualPercentageRate": 5.47,
  "feesAndCommissionsSpecification": "1.0% annual advisory fee. Exit fee: 0.25% if withdrawn within 12 months.",
  "areaServed": {
    "@type": "AdministrativeArea",
    "name": "Lackawanna County, Pennsylvania"
  }
}
</script>

Direct properties (3)

interestRate: QuantitativeValue or Number — the headline rate as a percentage (4.25 for 4.25%).
annualPercentageRate: the APR including fees, the figure consumers compare on.
feesAndCommissionsSpecification: Text or URL describing the full fee schedule.

Picking the right subtype

Use a subtype whenever possible: BankAccount for savings / checking, LoanOrCredit for loans and lines of credit, PaymentCard for cards, InvestmentOrDeposit for CDs and brokerage products. Reach for FinancialProduct directly only when none of the subtypes match (e.g. a generic "wealth management" service).

Minimal valid version

The smallest markup that still produces a valid FinancialProduct entity. Use it as the floor. Reach for the advanced example above when you want search engines and AI agents to understand more about your content.

schema.org/FinancialProduct (minimal)

<script type="application/ld+json">
{
  "@context": "https://schema.org",
  "@type": "FinancialProduct",
  "name": "XooWealth Managed Portfolio",
  "interestRate": 5.25
}
</script>

Google rich results this unlocks

Markup matching this example makes your page eligible for the following Google Search rich results. The primary target drives the required / recommended property classification in the advanced code block above.

No dedicated rich result (feeds knowledge-panel / AI search citations)
Google docs

Common FinancialProduct mistakes

Mistakes that pass validation but silently fail to earn rich results or mislead consumers walking the graph. Avoid these and your markup will be ahead of most sites in the wild.

01
interestRate with a percent symbol
Wrong
```
"interestRate": "5.25%"
```
Right
```
"interestRate": 5.25 (or QuantitativeValue with unitText: "percent")
```
Numeric value; the percent unit belongs on unitText or in annualPercentageRate.
02
APR and interestRate confused
Wrong
```
APR set to the same value as interestRate
```
Right
```
APR includes fees; interestRate is headline-only
```
Consumers compare APR. Publishing both with different values is correct; duplicating them understates the true cost.
03
FinancialProduct when a subtype fits
Wrong
```
FinancialProduct for a savings account
```
Right
```
BankAccount with bankAccountType
```
Subtypes carry the specific properties (accountMinimumInflow, accountOverdraftLimit) banking consumers read.

Schema properties in this example

FinancialProduct Service provider BankOrCreditUnion interestRate QuantitativeValue unitText annualPercentageRate feesAndCommissionsSpecification areaServed AdministrativeArea

Also mentioned in 6 other examples

FinancialProduct also appears in BankAccount, CurrencyConversionService, InvestmentOrDeposit, LoanOrCredit, PaymentCard, and PaymentService. See the full FinancialProduct schema page for every reference.

About the example data

Dunmore Savings & Loan's flagship product line published as a FinancialProduct catalogue: the XooSaver high-yield account, the XooCard Platinum, and the XooHome mortgage.

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