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

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

R

Unique package ID with request

RptgReq.Id

4

R

Get data by type Statement

RptgReq.ReqdMsgNmId

Constant "HMQSTASCF"

5

R

Account number

RptgReq.Acct.Id.Othr.Id

6

R

Name of the company

RptgReq.AcctOwnr.Pty.Nm

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>2022-05-24T10:00:18</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 Link 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 Link 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 Link 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>