On the 18th of November 2020 the response for the GET Balance request will change. For accounts that have an overdraft facility activated on them, the balance type “Interim Available” will no longer include the value of the overdraft in the Amount field. The value for ‘Included’ under the CreditLine will be changed from ‘true’ to ‘false’ and the value of the overdaft facility will continue to be returned in the CreditLine Amount field.

These changes are to ensure our API services will return the overdraft balance separately, alligning with regulatory obligations.

GET https://apis.firsttrustbank.co.uk/api/open-banking/v3.1/aisp/accounts/00112233445566/balances

Response:
{
  "Data": {
    "Balance": [
      {
        "AccountId": "00112233445566",
        "Amount": {
          "Amount": "-254.00",
          "Currency": "GBP"
        },
        "CreditDebitIndicator": "Debit",
        "Type": "Expected",
        "DateTime": "yyyy-MM-ddTHH:mm:ssZ"
      },
      {
        "AccountId": "00112233445566",
        "Amount": {
          "Amount": "-254.00",
          "Currency": "GBP"
        },
        "CreditDebitIndicator": "Debit",
        "Type": "InterimAvailable",
        "DateTime": "yyyy-MM-ddTHH:mm:ssZ",
        "CreditLine": [
          {
            "Included": false,
            "Amount": {
              "Amount": "350.00",
              "Currency": "GBP"
            },
            "Type": "Pre-Agreed"
          }
        ]
      },
      {
        "AccountId": "00112233445566",
        "Amount": {
          "Amount": "-254.00",
          "Currency": "GBP"
        },
        "CreditDebitIndicator": "Debit",
        "Type": "OpeningAvailable",
        "DateTime": "yyyy-MM-ddTHH:mm:ssZ"
      }
    ]
  },
  "Risk": {},
  "Links": {
    "Self": "https://apis.firsttrustbank.co.uk/api/open-banking/v3.1/aisp/accounts/00112233445566/balances"
  },
  "Meta": {
    "TotalPages": 1
  }
}If you have any questions on this change please e-mail us on api@aib.ie