1. Online balance

Clients have the opportunity to receive the account balance in two formats:

  • Base balance

  • Expanded balance

Base balance

  • Available balance - the actual amount available on the account

  • Reserved balance - the reserved amount on the account

Expanded balance

  • Incoming balance - the balance of the account at the beginning of the current day

  • Outgoing balance - calculated as the arithmetic sum of incoming balance and turnovers for the current day

  • Available balance - the actual amount available on the account

  • Reserved balance - the reserved amount on the account

Note

The generated online balance comes in response to a POST request in synchronous mode.

Online balance request without signature

The possibility of requesting online balance without signing (Enhanced Qualified Electronic Signature (CCEP)) has been implemented. For this purpose it is necessary:

1) Pass parameters to Headers:

  • company-tin with the value TIN of the company

  • check-sign-message with the value false

2) <SgntrSt> leave empty.

3) To test integration it is recommended to use a test organization ООО «Тест Альфа-Линк без подписи».

Request

URI

POST: /API/v1/ISO20022/Statements/AccountBalance - Base balance

POST: /API/v1/ISO20022/Statements/AccountBalanceExtended - Expanded balance

XML scheme

camt.060.001.03

Scheme description

№ R/O Description Link Comment/Example

Absolute path Document.AcctRptgReq

1

R

Unique message ID

GrpHdr.MsgId

-

2

R

Date and time the message was created

GrpHdr.CreDtTm

Date format
YYYY-MM-DDTHH:MM:SS

3

O

TIN of the company

GrpHdr.MsgSndr.Pty.Id.OrgId.Othr.Id

-

4

R

Unique package ID with request

RptgReq.Id

-

5

R

Get data by type Statement

RptgReq.ReqdMsgNmId

Constant 'HMQSTASCF'

6

R

Account number

RptgReq.Acct.Id.Othr.Id

-

7

R

Name of the company

RptgReq.AcctOwnr.Pty.Nm

-

Signature Document.AcctRptgReq

8

O

Signature

SplmtryData.Envlp.SgntrSt[1..n]

-
Online balance request example 
<?xml version="1.0" encoding="utf-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.060.001.03" xmlns:ds="http://www.w3.org/2000/09/xmldsig#">
    <AcctRptgReq>
        <GrpHdr>
            <MsgId>H2H_TEST_STMT_112368042870656700001</MsgId>
            <CreDtTm>2024-03-07T10:00:18</CreDtTm>
        </GrpHdr>
        <RptgReq>
            <Id>H2H_TEST_STMT_112368042870656700001</Id>
            <ReqdMsgNmId>HMQSTASCF</ReqdMsgNmId>
            <Acct>
                <Id>
                    <Othr>
                        <Id>40702810200000000083</Id>
                    </Othr>
                </Id>
            </Acct>
            <AcctOwnr>
                <Pty>
                    <Nm>Общество с ограниченной ответственностью "Тест Альфа-Линк"</Nm>
                </Pty>
            </AcctOwnr>
        </RptgReq>
        <SplmtryData>
            <Envlp>
                <SgntrSt>
                </SgntrSt>
            </Envlp>
        </SplmtryData>
    </AcctRptgReq>
</Document>

Response

XML scheme

camt.052.001.05

Scheme description

№ Description Path Comment/Example

Absolute path Document.BkToCstmrAcctRpt

1

Unique message ID

GrpHdr.MsgId

-

2

Date and time the message was created

GrpHdr.CreDtTm

Date format
YYYY-MM-DDTHH:MM:SS

Absolute path Document.BkToCstmrAcctRpt.Rpt

3

ID

Id

-

4

Date and time the message was created

CreDtTm

Date format
YYYY-MM-DDTHH:MM:SS

5

Account number

Acct.Id.Othr.Id

-

6

Account currency

Acct.Ccy

-

7

Name of the account holder

Acct.Ownr.Nm

-

8

TIN of the account holder

Acct.Ownr.Id.OrgId.Othr.Id

-

9

ISO data type code

Acct.Ownr.Id.OrgId.Othr.SchmeNm.Cd

Constant 'TXID'

Details of the servicing bank

10

BIC Bank

Acct.Svcr.FinInstnId.BICFI

-

11

Designation of the Russian settlement system

Acct.Svcr.FinInstnId.ClrSysMmbId.ClrSysId.Cd

Constant 'RUCBC'

12

BIC of the bank / branch serving the account

Acct.Svcr.FinInstnId.ClrSysMmbId.MmbId

-

13

Name of the bank / branch serving the account

Acct.Svcr.FinInstnId.Nm

-

Section with information about balances for the Base Balance

№ Description Path Comment/Example

Available balance

14

Balance type (Available)

Bal[1].Tp.CdOrPrtry.Cd

Constant 'ITAV'

15

Amount

Bal[1].Amt

-

16

Currency code of the available amount

Bal[1].Amt@Ccy

-

17

DBIT/CRDT

Bal[1].CdtDbtInd

-

18

Date of balance

Bal[1].Dt.Dt

-

Reserved balance

19

Balance type (Reserved)

Bal[2].Tp.CdOrPrtry.Cd

Constant 'INFO'

20

Amount

Bal[2].Amt

-

21

Currency code of the reserved amount

Bal[2].Amt@Ccy

-

22

DBIT/CRDT

Bal[2].CdtDbtInd

-

23

Date of balance

Bal[2].Dt.Dt

-

Section with information about balances for Expanded Balance

№ Description Path Comment/Example

Incoming balance

24

Balance type (Incoming)

Bal[1].Tp.CdOrPrtry.Cd

Constant 'OPBD'

25

Incoming balance

Bal[1].Amt@Ccy

-

26

DBIT/CRDT

Bal[1].CdtDbtInd

-

27

Date of balance

Bal[1].Dt.Dt

-

28

Date of balance

Bal[1].Avlbty.Dt.ActlDt

-

29

Incoming balance in ruble equivalent

Bal[1].Avlbty.Amt

-

30

Currency code of the incoming balance in ruble equivalent

Bal[1].Avlbty.Amt@Ccy

-

31

DBIT/CRDT

Bal[1].Avlbty.CdtDbtInd

-

Outgoing balance

32

Balance type (Outgoing)

Bal[2].Tp.CdOrPrtry.Cd

Constant 'CLBD'

33

Outgoing balance

Bal[2].Amt

-

34

Outgoing balance currency code

Bal[2].Amt@Ccy

-

35

DBIT/CRDT

Bal[2].CdtDbtInd

-

36

Date of balance

Bal[2].Dt.Dt

-

37

Date of balance

Bal[2].Avlbty.Dt.ActlDt

-

38

Outgoing balance in rubles

Bal[2].Avlbty.Amt

-

39

Outgoing balance currency code in ruble equivalent

Bal[2].Avlbty.Amt@Ccy

-

40

DBIT/CRDT

Bal[2].Avlbty.CdtDbtInd

-

Available balance

41

Balance type (Available)

Bal[3].Tp.CdOrPrtry.Cd

Constant 'ITAV'

42

Amount

Bal[3].Amt

-

43

Available balance currency code

Bal[3].Amt@Ccy

-

44

DBIT/CRDT

Bal[3].CdtDbtInd

-

45

Date of balance

Bal[3].Dt.Dt

-

Reserved balance

46

Balance type (Reserved)

Bal[4].Tp.CdOrPrtry.Cd

Constant 'INFO'

47

Reserved balance

Bal[4].Amt

-

48

Reserved balance currency code

Bal[4].Amt@Ccy

-

49

DBIT/CRDT

Bal[4].CdtDbtInd

-

50

Date of balance

Bal[4].Dt.Dt

-
Example base balance 
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.052.001.05">
    <BkToCstmrAcctRpt>
        <GrpHdr>
            <MsgId>37f79863e8424f1a92d0632fbd4a71b0</MsgId>
            <CreDtTm>2022-05-24T11:50:18.091+03:00</CreDtTm>
        </GrpHdr>
        <Rpt>
            <Id>a83b805424404f0394fbf273807ac75a</Id>
            <CreDtTm>2022-05-24T11:50:18.377+03:00</CreDtTm>
            <Acct>
                <Id>
                    <Othr>
                        <Id>40702810200000000083</Id>
                    </Othr>
                </Id>
                <Ccy>RUR</Ccy>
                <Ownr>
                    <Nm>ООО "Тест Альфа-Линк"</Nm>
                    <Id>
                        <OrgId>
                            <Othr>
                                <Id>7013602245</Id>
                                <SchmeNm>
                                    <Cd>TXID</Cd>
                                </SchmeNm>
                            </Othr>
                        </OrgId>
                    </Id>
                </Ownr>
                <Svcr>
                    <FinInstnId>
                        <BICFI>ALFARUMMXXX</BICFI>
                        <ClrSysMmbId>
                            <ClrSysId>
                                <Cd>RUCBC</Cd>
                            </ClrSysId>
                            <MmbId>044525593</MmbId>
                        </ClrSysMmbId>
                        <Nm>АО "АЛЬФА-БАНК"</Nm>
                    </FinInstnId>
                </Svcr>
            </Acct>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>ITAV</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="RUR">15996923005.30</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <Dt>2022-05-24</Dt>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>INFO</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="RUR">1565224.78</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <Dt>2022-05-24</Dt>
                </Dt>
            </Bal>
        </Rpt>
    </BkToCstmrAcctRpt>
</Document>
Example expanded balance 
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.052.001.05">
    <BkToCstmrAcctRpt>
        <GrpHdr>
            <MsgId>e4d6975f5c6e46fca732fb7597c46fc9</MsgId>
            <CreDtTm>2022-05-24T11:57:38.231+03:00</CreDtTm>
        </GrpHdr>
        <Rpt>
            <Id>042100f056b84f8da5ddfcde0a54ccfb</Id>
            <CreDtTm>2022-05-24T11:57:38.341+03:00</CreDtTm>
            <Acct>
                <Id>
                    <Othr>
                        <Id>40702810200000000083</Id>
                    </Othr>
                </Id>
                <Ccy>RUR</Ccy>
                <Ownr>
                    <Nm>ООО "Тест Альфа-Линк"</Nm>
                    <Id>
                        <OrgId>
                            <Othr>
                                <Id>7013602245</Id>
                                <SchmeNm>
                                    <Cd>TXID</Cd>
                                </SchmeNm>
                            </Othr>
                        </OrgId>
                    </Id>
                </Ownr>
                <Svcr>
                    <FinInstnId>
                        <BICFI>ALFARUMMXXX</BICFI>
                        <ClrSysMmbId>
                            <ClrSysId>
                                <Cd>RUCBC</Cd>
                            </ClrSysId>
                            <MmbId>044525593</MmbId>
                        </ClrSysMmbId>
                        <Nm>АО "АЛЬФА-БАНК"</Nm>
                    </FinInstnId>
                </Svcr>
            </Acct>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>OPBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="RUR">15998489805.08</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <Dt>2022-05-24</Dt>
                </Dt>
                <Avlbty>
                    <Dt>
                        <ActlDt>2022-05-24</ActlDt>
                    </Dt>
                    <Amt Ccy="RUR">15998489805.08</Amt>
                    <CdtDbtInd>CRDT</CdtDbtInd>
                </Avlbty>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>CLBD</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="RUR">15998489019.08</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <Dt>2022-05-24</Dt>
                </Dt>
                <Avlbty>
                    <Dt>
                        <ActlDt>2022-05-24</ActlDt>
                    </Dt>
                    <Amt Ccy="RUR">15998489019.08</Amt>
                    <CdtDbtInd>CRDT</CdtDbtInd>
                </Avlbty>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>ITAV</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="RUR">15996923005.30</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <Dt>2022-05-24</Dt>
                </Dt>
            </Bal>
            <Bal>
                <Tp>
                    <CdOrPrtry>
                        <Cd>INFO</Cd>
                    </CdOrPrtry>
                </Tp>
                <Amt Ccy="RUR">1565224.78</Amt>
                <CdtDbtInd>CRDT</CdtDbtInd>
                <Dt>
                    <Dt>2022-05-24</Dt>
                </Dt>
            </Bal>
        </Rpt>
    </BkToCstmrAcctRpt>
</Document>