Account

The account product is the list of bank accounts such as Checking or Savings Account and Credit Card, that were available in the selected connector.

The response will vary depending on the Accounts Type, providing a data object related to its type bankData or creditData.

{
  "id": "4f61bd6d-e6fc-44b2-9c4b-5609058de7ab",
  "type": "CREDIT",
  "subtype": "CREDIT_CARD",
  "name": "Itau Uniclass 2.0 Mastercard Platinum",
  "marketingName": "Itau Uniclass 2.0 Mastercard Platinum",
  "taxNumber": "***.***.123-22",
  "owner": "FEDERICO MIRAS",
  "number": "1234",
  "balance": 142.41,
  "itemId": "fc214524-4725-4974-9f7a-0f1b50ea39e0",
  "currencyCode": "BRL",
  "creditData": {
    "level": "PLATINUM",
    "brand": "MASTERCARD",
    "balanceCloseDate": "2020-07-08",
    "balanceDueDate": "2020-07-17",
    "availableCreditLimit": 51300,
    "creditLimit": 51800,
    "isLimitFlexible": false,
    "balanceForeignCurrency": 500,
    "minimumPayment": 100,
    "status": "ACTIVE",
    "holderType": "MAIN"
  }
}

{
  "id": "a658c848-e475-457b-8565-d1fffba127c4",
  "type": "BANK",
  "subtype": "CHECKING_ACCOUNT",
  "number": "0001/12345-0",
  "name": "Conta Corrente",
  "marketingName": "GOLD Conta Corrente",
  "balance": 120950,
  "itemId": "a0922d6f-2007-4169-a181-b961500608db",
  "taxNumber": "416.799.495-00",
  "owner": "John Doe",
  "currencyCode": "BRL",
  "bankData": {
    "transferNumber": "123/0001/12345-0",
    "closingBalance": 120950
  }
}

Property	Description
id	Unique identifier of the Account model, used to recover related transactions
type	Type of account (BANK / CREDIT).
subtype	The subtype of account (`CHECKING_ACCOUNT` / `SAVINGS_ACCOUNT` / `CREDIT_CARD`).
number	For BANK type, this field returns the number of the account. Ie: 12345-6 (or 12345-6/500 in some saving accounts). For CREDIT type, this field returns the last four digits of the credit card. Ie: 1234.
balance	For BANK type, this field returns the current available balance of the account. For CREDIT type, this field returns the value of the current balance of the open invoice not yet paid. More details here
currencyCode	Currency ISO code of the account, ie USD or EUR
name	Name of the account, ie. Saving Account 1234 or Mastercard Gold.
marketingName	The extra name provided for some accounts that are related to the level of the account. Not always provided.
owner	Name of the owner of the account.
taxNumber	Tax number of the owner of the account.
bankData	Specific data for bank account types.
creditData	Specific data for credit account types.

Balance

Bank Accounts (Checking & Savings) balances represent the amount the holder currently holds as available to spend. If this value is negative, it represents a debt the holder has with the financial institution, an example of this would be an overdraft.

Credit Cards balances are the amount due to the institution, this would mean the open balance of the user's current month. If the previous invoice was paid with an exceeded amount, the balance would return a negative value.

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Calculating credit card balances
Credit-type account can leverage the availableCreditLimit to consolidate a 360° view of credit cards.
creditLimit = availableCreditLimit (yet to spend) + balance (open balance) + debt from previous balance.

Bank data

Property	Description
transferNumber	This field returns the most important account information: COMPE / Agency / Account Ie.: 123 / 1234 / 12345-6
closingBalance	Current balance of the account.
automaticallyInvestedBalance	Balance of the account that its automatically invested by the institution.

Credit Data

Property	Description
minimumPayment	Balance minimum payment for the current period.
balanceForeignCurrency	Balance in foreign currency for the current period.
availableCreditLimit	The available credit limit for the account yet to spend.
creditLimit	The credit limit for the account.
isLimitFlexible	Whether the credit card is unlimited.
balanceDueDate	Due Date for the credit. (yyyy-mm-dd)
balanceCloseDate	Close date when the balance was calculated. (yyyy-mm-dd)
level	Card type level (Black, Signature, etc).
brand	Card Brand (Mastercard, Visa, Elo, etc).
status	Card status (ACTIVE, BLOCKED, CANCELLED)
holderType	Card holder type (MAIN or ADDITIONAL)

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See Accounts in our API reference for more information.