Account Overview Details
  • 31 Mar 2022
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Account Overview Details

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transaction holdsVarious balance information can be retrieved from a deposit account via API v2. For more information, see Deposit Accounts - getById in our API Reference. The respective information is also available on the UI account overview.

Overview of a deposit account with information about balance, overdraft and so on

Field Description Product Type Availability
Total Balance All Deposits + All Positive Interest Applied - All Negative Interest Applied - All Withdrawals - All Transfers - All Fees All
Available Balance Total Balance + Available Overdraft Limit - Current Authorization Hold - Blocked Amount All
Recommended Deposit Amount The amount set up at product level as the recommended deposit amount. All
Available Overdraft Limit Overdraft Limit - Overdraft Amount Due Current Accounts

Holds

Card authorization holds

The card authorization holds are used to verify electronic transactions initiated with a debit or credit card. A current authorization hold amount is therefore the amount awaiting authorization, being as such unavailable for further withdrawals until either the merchant clears or cancels the transaction or the hold expires. For more information, see Card Transactions.

Transaction holds

Transaction holds directly on deposit accounts are used to support Single Euro Payments Area (SEPA) instant payment flows, cheque and multi-currency settlements, and other scenarios where a hold needs to be posted prior to an actual transaction. For more information, see our API Reference.


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