Balance

This section explains key descriptions for balances.



Balance

KEYTYPEOPTIONALDESCRIPTION
balanceAmountAmountMandatory
balanceTypeBalance TypeMandatory
creditLimitIncludedBooleanOptionalA flag indicating if the credit limit of the corresponding account is included in the calculation of the balance, where applicable.
lastChangeDateTimeISODateTimeOptionalThis data element might be used to indicate e.g. with the expected or booked balance that no action is known on the account, which is not yet booked.
referenceDateISODateOptionalindicates the date of the balance
lastCommitted TransactionMax35TextOptionalentryReference of the last commited transaction to support the TPP in identifying whether all PSU transactions are already known.


Balance Type

TYPEDESCRIPTION
closingBookedBalance of the account at the end of the pre-agreed account reporting period. It is the sum of the opening booked balance at the beginning of the period and all entries booked to the account during the pre-agreed account reporting period.

For card-accounts, this is composed of

- invoiced, but not yet paid entries
expectedBalance composed of booked entries and pending items known at the time of calculation, which projects the end of day balance if everything is booked on the account and no other entry is posted.

For card accounts, this is composed of

- invoiced, but not yet paid entries,
- not yet invoiced but already booked entries and
- pending items (not yet booked)
openingBookedBook balance of the account at the beginning of the account reporting period. It always equals the closing book balance from the previous report.
interimAvailableAvailable balance calculated in the course of the account ’servicer’s business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified.

For card-accounts, this is composed of

- invoiced, but not yet paid entries,
- not yet invoiced but already booked entries
interimBookedBalance calculated in the course of the account servicer's business day, at the time specified, and subject to further changes during the business day. The interim balance is calculated on the basis of booked credit and debit items during the calculation time/period specified.
forwardAvailableForward available balance of money that is at the disposal of the account owner on the date specified.
nonInvoicedOnly for card accounts, to be defined yet.