Accounts & Balances

An account is one financial product inside a Connection — a single
checking account, credit card, savings account, loan, or securities account at
the linked bank. A connection typically holds several accounts, and each account
carries its own current balances (a connection does not — see the
distinction in Core Concepts).

ℹ️
Accounts appear only after the user has linked a bank in the Financy UI
(connections cannot be created via the API). If a user has no accounts, they
have not linked a bank yet — see Connections.

All endpoints require a Bearer token — see Authentication. Failed requests
return the standard error shape — see Errors.

Endpoint	Purpose
`GET /v2/data/accounts`	List the user's accounts.
`GET /v2/data/accounts/{accountId}`	Read one account in full.

List accounts

GET https://api.open-finance.ai/v2/data/accounts

Query param	Description
`connectionId`	Only accounts on this connection.
`accountType`	Filter by type: `CHECKING`, `CARD`, `LOAN`, `SAVINGS`, `SECURITY`.
`includeDuplicates`	`0` (default) or `1` — include accounts seen through duplicate links.
`limit`	Max documents to return.
`sort`	`1` ascending, `-1` descending.
`nextPage`	Pagination cursor from the previous response.

Request

curl "https://api.open-finance.ai/v2/data/accounts?connectionId=01J8CONN...&accountType=CHECKING" \
  -H "Authorization: Bearer <accessToken>"

Response

{
  "nextPage": null,
  "items": [
    {
      "id": "01J8ACC...",
      "connectionId": "01J8CONN...",
      "providerId": "hapoalim",
      "accountType": "CHECKING",
      "accountName": "Everyday",
      "currency": "ILS",
      "balances": [{ "amount": 4210.55, "currency": "ILS" }],
      "transactions": 214
    }
  ]
}

The list wraps accounts in { nextPage, items }. Pass nextPage back to page
through results.

Get an account

GET https://api.open-finance.ai/v2/data/accounts/{accountId}

curl "https://api.open-finance.ai/v2/data/accounts/01J8ACC..." \
  -H "Authorization: Bearer <accessToken>"

Key fields on an account:

Field	Description
`id`	Account id — pass as `accountId` when filtering Transactions.
`connectionId`	The parent Connection.
`providerId`	The bank/card issuer (see Providers & Branches).
`accountType`	`CHECKING`, `CARD`, `LOAN`, `SAVINGS`, or `SECURITY`.
`accountName`	Human-readable account name.
`accountNumber` / `parsedAccount`	Raw number, and the parsed `{ bank, branch, number }`.
`currency`	Account currency, e.g. `ILS`.
`balances`	Array of `{ amount, currency }` — see Balances below.
`creditLimit` / `cardDueDate` / `creditStatus`	Card-specific fields.
`interest`	Interest details — savings and loans only.
`ownerInfo`	`{ nationalId, fullName }` of the account owner.
`transactions`	Number of transactions on the account.

Balances

An account exposes a balances array — a bank typically reports the same
account under more than one balance type (e.g. the booked end-of-day balance
and the amount available right now). Each entry looks like:

"balances": [
  {
    "balanceType": "closingBooked",
    "balanceAmount": { "amount": 4210.55, "currency": "ILS" },
    "creditLimitIncluded": false,
    "referenceDate": "2026-01-04"
  }
]

Field	Description
`balanceType`	Which kind of balance this is (see the table below).
`balanceAmount`	The value: `{ amount, currency }`.
`creditLimitIncluded`	Whether the amount includes the account's credit limit.
`referenceDate`	The date the balance refers to (e.g. loan origination), when given.

Balance types

`balanceType`	Meaning
`closingBooked`	End-of-reporting-period balance: opening balance + all entries booked in the period.
`expected`	Booked entries + known pending items; a projection of the end-of-day balance.
`interimAvailable`	Available balance computed during the business day (subject to change).
`interimBooked`	Interim balance from entries already booked during the calculation window.
`forwardAvailable`	Available balance at a specified future date.
`openingBooked`	Opening balance (previous report's closing balance). Not used in the Israeli market.

Which types appear depends on the accountType:

CHECKING — all types; closingBooked is always present.
CARD — mainly closingBooked, interimBooked, interimAvailable (meanings vary by card subtype).
SAVINGS — closingBooked and expected.
LOAN — closingBooked, expected, interimBooked.

📘
There is no separate balance-history endpoint. balances are the account's
current balances; to reconstruct balances over time, read Transactions —
each transaction carries balancePerEndDay.

Next: read the money movements on an account in Transactions.

Accounts & Balances

Accounts & Balances

Accounts appear only after the user has linked a bank in the Financy UI

List accounts

Request

Response

Get an account

Balances

Balance types

There is no separate balance-history endpoint. `balances` are the account's

Accounts & Balances

Accounts appear only after the user has linked a bank in the Financy UI

List accounts

Request

Response

Get an account

Balances

Balance types

There is no separate balance-history endpoint. balances are the account's

There is no separate balance-history endpoint. `balances` are the account's