API Information

API Description

The Accounts API is available in the production environment only for licensed Third party providers (TPPs) under PSD2 Directive.

The Accounts API allows third party applications to interact with the accounts of a bank user on his behalf, allowing the following operations:

• List of accounts
• Account detail and balances (Disposable balance and Account balance)
• Account transactions

Supported balances

Account balance (ISO balance type- InterimBooked)

Account balance as at given moment in which:

• optional overdraft is not added
• minimum account balance is not deducted
• withheld amounts are not deducted
• items which are cleared in advance with the date greater than the current day/e.g. payment from abroad are added/i.e. deducted - i.e. forward items Briefly said: considers the items cleared in advance, does not consider: minimum balance, optional overdraft, withheld amounts.

Disposable balance (ISO balance type - InterimAvailable)

Account balance as at the given moment in which:

• optional overdraft is added
• minimum account balance is deducted
• withheld amounts are deducted
• items which are cleared in advance with the date greater than the current day/e.g. payment from abroad, i.e. forward items are added or deducted

Briefly said: balance which considers minimum account balance, optional overdraft, withheld amounts, amounts cleared in advance. It is the balance which is decisive for payments, payments are executed according to the respective balance while we need to consider that if you have payments cleared in advance from the account/payment from abroad/, you can use these funds but you will be cleared a debit interest.

Technical break

Account information are available non-stop, except during the daily closure (technical break) lasting approx. 30 minutes, 1.5 hours on Saturdays, which is usually on business days from 9:45 p.m. to 10:45 p.m. and on Saturdays from 9:45 p.m. to 11:45 p.m. During technical break system is off-line.