Balance

The balance flow can be used to acquire detailed information about the balance of one of the consumer’s accounts.

Request

POST /xs2a/v1/consents/{consent-id}/balances/get HTTP/1.1
Content-Type: application/json; charset=utf-8
Authorization: Bearer <Token>
Host: <Host>
{
    "consent_token": string,
    "account_id": string,
    "psu": ?{
        "user_agent": string,
        "ip_address": string,
    }
}

The account identifier provided in the result from an accounts request (from either the XS2A API or the Consent API) has to be passed in the payload of the request. A balance flow is only possible for account type DEFAULT.

The psu object is optional, however, if the consumer is present, it is recommended to provide it. Some banks soften their daily consent usage restrictions if the PSU data is available.

The user_agent property holds the user agent string of the consumer's client application, e.g. the web browser. The ip_address property holds the IP address of the consumer. Both IPv4 and IPv6 are accepted formats.

Response

{
    "data": {
        "result": {
            "balance": ?Amount,
            "available": ?Amount,
            "limit": ?Amount,
            "reserved": ?Amount
        },
        "consent_token": string
    }
}

The balance property holds the actual balance of the account.

The available property holds the amount that is available for a transfer.

The limit property holds the amount that represents the overdraft for the account, the additional amount the consumer can withdraw beyond 0.

The reserved property holds the amount that is reserved for known future payments.

Detailed information on the Amount object can be found here.

The response contains a new consent_token that has to be used in the following request.

NOTE: The returned information can differ depending on the selected bank, as some banks provide more information than others.

Example

Request

POST /xs2a/v1/consents/gp4cb0g6d9r3qf4d68fkrlb7ejo8mqqk/balances/get
{
    "consent_token": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ0b2tlbiI6IjEyMzQ1Njc4OTAifQ.na71ipK8ASvggoM6C5vMjBKgJlZLxV-m6ElgHBrNtlU",
    "account_id": "fdff8f6f-d923-4489-90b3-43d11c021e1b",
    "psu": {
        "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/80.0.3987.162 Safari/537.36",
        "ip_address": "192.168.2.1",
    }
}

Response

200 OK
{
    "data": {
        "result": {
            "balance": {
                "amount": 12345,
                "currency": "EUR"
            },
            "available": {
                "amount": 12345,
                "currency": "EUR"
            },
            "limit": {
                "amount": 12345,
                "currency": "EUR"
            },
            "reserved": {
                "amount": 12345,
                "currency": "EUR"
            }
        },
        "consent_token": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJ0b2tlbiI6Ijg4OTk3Nzg4In0.QQscn9a6-nQXuVK4Rwbft_LFMF3-r2xzWROEZMS2lW0"
    }
}

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