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Account inquiry

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Account inquiry is only needed for account information services

Account inquiry encompasses the method through which you intend to access clients' account information. This could involve tasks such as checking their balance, verifying ownership of the account, or gaining insights into their transaction history.

You need to provide:

  • a account inquiry name / display name
  • a description / purpose of desired account access (why do you want to access)
  • the desired scope of access:
    • account(s) ownership check
      • account owner name surname and
      • account number (IBAN)
    • account(s) information and balance
      • account owner name surname
      • account number (IBAN)
      • account currency and current balance
    • account(s) and transactions
      • account owner name surname
      • account number (IBAN)
      • account currency and
      • list of account transactions 1
    • all - all of the above / full access
  • frequency of access (how long do you want to have access)2
    • daily - account information data is retrieved until 180 days have passed or access was revoked3
    • once - account information data is retrieved only once. Tenant administrator can manually trigger retrieval if access is still granted.4

The account inquiry name / display name will be displayed on the customer facing dialog, so choose appropriately.

Go to Account Information Dialog Data reference chart to see where and how this data is used.

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Service access limits production access of account information scope. Enable appropriate services to allow production access to desired account data.

Account owner name​

Not all banks return the account holder in the same manner:

  1. Some return the name followed by the surname, or vice versa surname followed by the name.
  2. Some accented/special characters might be omitted, i.e.: ČŠŽÖ...

Account balance / transaction list balance mismatch​

The account balance and the calculated balance in the transaction list may not match. This is because these two data points are retrieved separately, and some transactions may not yet be booked, or the balance may not have been updated.

Return URL​

The return URL is only needed in case you will utilize the API integration not the dialog integration. This is the reference URL that is used once the customer confirms access to his data with the bank.

The customer will be redirected back from his bank page/application to this URL. The underlying account consent will be referenced with consentId query parameter.

Return URL: https://my.company.url/account/finished

will redirect to -> https://my.company.url/account/finished?consentId={consentId}

Footnotes​

  1. The list of returned transactions is restricted to those occurring within 180 days prior to the date of consent, as mandated by current legislation.↩
  2. While access is granted for the 180 days (as per regulation), it's important to note that this access is not guaranteed indefinitely, as the client retains the ability to revoke consent or provide a different authorization, which would override the previous consent.↩
  3. Billing for access will only be performed once for the active month of access. (UTC time)↩
  4. Billing for access will only be performed once for the given day (UTC time) of accessing account data.↩