Codat · Schema

Banking: Account balance

The Banking Account Balances data type provides a list of balances for a bank account including end-of-day batch balance or running balances per transaction. Responses are paged, so you should provide `page` and `pageSize` query parameters in your request. > **How often should I pull Account Balances?** > > Because these balances are closing balances, we recommend you pull Account Balance no more frequently than daily. If you require a live intraday balance, this can be found for each account on the [Account](https://docs.codat.io/lending-api#/schemas/Account) data type. > > Whilst you can choose to sync hourly, this may incur usage charges from Plaid or TrueLayer.

Unified_API
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JSON Schema

codat-bankingaccountbalance-schema.json Raw ↑
{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/BankingAccountBalance",
  "title": "Banking: Account balance",
  "description": "The Banking Account Balances data type provides a list of balances for a bank account including end-of-day batch balance or running balances per transaction.\n\nResponses are paged, so you should provide `page` and `pageSize` query parameters in your request.\n\n> **How often should I pull Account Balances?**\n>\n> Because these balances are closing balances, we recommend you pull Account Balance no more frequently than daily. If you require a live intraday balance, this can be found for each account on the [Account](https://docs.codat.io/lending-api#/schemas/Account) data type.\n> \n> Whilst you can choose to sync hourly, this may incur usage charges from Plaid or TrueLayer.",
  "type": "object",
  "allOf": [
    {
      "type": "object",
      "properties": {
        "accountId": {
          "minLength": 1,
          "type": "string",
          "description": "The unique identifier of the account."
        },
        "balance": {
          "$ref": "#/components/schemas/BankingAccountBalance/definitions/accountBalanceAmounts"
        },
        "date": {
          "$ref": "#/components/schemas/DateTime",
          "description": "Date of the balance."
        }
      }
    },
    {
      "$ref": "#/components/schemas/CommerceOrder/allOf/3"
    }
  ],
  "required": [
    "accountId",
    "balance",
    "date"
  ],
  "definitions": {
    "accountBalanceAmounts": {
      "title": "Account Balance Amounts",
      "x-internal": true,
      "type": "object",
      "properties": {
        "available": {
          "type": "number",
          "format": "decimal",
          "nullable": true,
          "description": "The balance available in the account, including any pending transactions. This doesn't include additional funds available from any overdrafts."
        },
        "current": {
          "type": "number",
          "format": "decimal",
          "description": "The balance of the account only including cleared transactions."
        },
        "limit": {
          "type": "number",
          "format": "decimal",
          "nullable": true,
          "description": "The minimum allowed balance for the account. For example, a $100.00 overdraft would show as a limit of `-100.00`."
        }
      },
      "additionalProperties": false,
      "description": "Depending on the data provided by the underlying bank, not all balances are always available."
    }
  },
  "examples": [
    {
      "accountBalances": [
        {
          "accountId": "cce404db-27f7-4286-95db-622b53596cf4",
          "balance": {
            "available": 714374.48,
            "current": 714374.57,
            "limit": 5000
          },
          "date": "2021-03-18T00:00:00"
        },
        {
          "accountId": "cce404db-27f7-4286-95db-622b53596cf4",
          "balance": {
            "available": 714374.48,
            "current": 714374.57,
            "limit": 5000
          },
          "date": "2021-03-19T00:00:00"
        },
        {
          "accountId": "cce404db-27f7-4286-95db-622b53596cf4",
          "balance": {
            "available": 714195.66,
            "current": 714204.39,
            "limit": 5000
          },
          "date": "2021-03-22T00:00:00"
        },
        {
          "accountId": "2f593774-1075-4805-a552-84eecc7eb264",
          "balance": {
            "available": -644945.42,
            "current": -644925.84,
            "limit": 0
          },
          "date": "2022-03-09T00:00:00"
        }
      ]
    }
  ]
}