Account Balance (balance) Query

The API created for querying available balances aims to automate balance retrieval, integrating it into other applications (e.g., a financial dashboard). This allows an overview of the available balances of all accounts held at Raiffeisen Bank to be obtained at any moment, providing a clear picture of the company's or group's current liquidity, which is essential for supporting daily treasury operations.

Query method: API request
Request message: Camt.060 JSON
Response message: Camt.052 JSON
Content: The bank returns two balance values:

• ITAV – available balance
• ITBD – current balance

The formal description can be found in the payment-api documentation.

JSON field	M/O	Length	Value	Note
AcctRptgReq.RptgReq.ReqdMsgNmId	M	fixed value	always "BALN"	If a different value is provided, the request is invalid.
AcctRptgReq.GrpHdr.CreDtTm	M	see regex →	CharValidation-DateTime	ISO8601 date-time format
AcctRptgReq.GrpHdr.MsgId	M	min: 1 max: 35	CharValidation-X-set
AcctRptgReq.RptgReq.Acct.Id.IBAN	M	see regex →	CharValidation-IBAN
AcctRptgReq.RptgReq.AcctOwnr.Pty.Nm	M	min: 1 max: 140	CharValidation-TR-EIS
consentList [ ]	M	element count: 2, per element: min 1 char, max 10 chars	2 ConsentIds	Similar to transfers, two valid ConsentIds must be provided.

Query Steps

Steps:

1. Prepare the query
2. Attach a certificate (CERT) to the query
3. Attach 2 consent IDs to the query
4. Send query + CERT + consent IDs to the Bank
5. The bank verifies the validity of the CERT and consent
6. If valid, processing begins

Full workflow

1. Select Consents:

   • Select the consents where:
     • The desired account (debtorAccount) is found in the consent's account list.
     • The consent's validity period has not expired (expiry).
     • The consent's status is APPROVED.
     • The signing person (signer) listed in the consent has signing authority on the account to be queried.
   • If the signer is the sole signatory, a single consent is sufficient.
   • If the signer is one of a signing pair, the second consent must also be found, in which the other member of the pair is the signer.

2. If no usable consent exists:

   • Before the query:
     • If there is a consent awaiting approval:
       • Notify the approver.
       • Poll the consent status.
     • If there is no consent awaiting approval:
       • Consents must be created.

3. Submit the balance query via the API.