Account Balance

Account Balance service description

Request

POST https://connect.lhv.com/account-balance

Account Balance provides actual and available balance information for all currencies on a customer account. It can be requested for one customer account at a time. Balances are provided in real time at the moment the response is generated. With the optional Prtry parameter, payment limit information can also be requested, including total and free limits for daily and monthly periods.

Both Account Statement and Account Balance requests share the same ISO 20022 Account Report Request camt.060.001.03 XML format.

Depending on the service, different values in the request can be used to get data for different periods or details. Some of these values affect only statement or balance responses.

Headers

Name

Value

Content-Type

application/xml

Client-Code

customer value

Client-Country

customer value

Body

XML structure description:

Message root

INDEX

MESSAGE ELEMENT

XML TAG

[1..1]

MessageRoot

Group header and Reporting Request

MULT.

MESSAGE ELEMENT

XML TAG

DESCRIPTION

[1..1]

+GroupHeader

[1..1]

++MessageIdentification

<MsgId>

Unique message identifier generated by requesting party.

[1..1]

++CreationDateTime

[1..1]

+ReportingRequest

[0..1]

++Identification

<Id>

[1..1]

++RequestedMessageNameIdentification

Supported values:

'camt.053.001.02' – Used for account statement requests
- Endpoint: POST /account-statement
'camt.052.001.06' – Used for account balance requests
- Endpoint: POST /account-balance

[0..1]

++Account

<Acct>

[1..1]

+++Identification

<Id>

[1..1]

++++IBAN

<IBAN>

IBAN of the account to which the report request applies.
When using VIBAN or Indirect Scheme Participant account services, the master account IBAN must be provided.
- VIBANs or Indirect Scheme Participant accounts are displayed only in the account statement report and are not accepted in the request.

[1..1]

++AccountOwner

[1..1]

+++Party

<Pty>

Values are ignored.

[0..1]

++ReportingPeriod

Mandatory for account statement requests.

[1..1]

+++FromToDate

Date filters apply only to statement requests; balance requests always return real-time data.

[1..1]

++++FromDate

<FrDt>

Statement request:
- Account statement FromDate in ISO 8601 date format (YYYY-MM-DD).
- Must not be later than ToDate.
- Used together with ToDate to define the requested reporting period.
Balance request:
- Value is ignored. Balance responses always return real-time balances, independent of the provided date.

[1..1]

++++ToDate

<ToDt>

Statement request:
- Mandatory element.
- Account statement ToDate in ISO 8601 date format (YYYY-MM-DD).
- Must not be earlier than FromDate.
- If a future date is provided, the system uses the current day as the effective end date.
Balance request:
- Value is ignored. Balance responses always return real-time balances, independent of the provided date.

[1..1]

+++FromToTime

Time filters apply only to statement requests; balance requests always return real-time data.

Values are ignored if Requested Balance Type (ReqdBalTp) block is not added or if ReqdBalTp.CdOrPrtry.Cd.Prtry = 'DATE'.
Values are used when ReqdBalTp.CdOrPrtry.Cd.Prtry = 'DATETIME'

[1..1]

+++FromTime

<FrTm>

Statement request:
- Account statement FromTime in ISO 8601 time format with UTC offset (e.g. 11:00:00+02:00).
- Inclusive.
- Used together with ToTime when the reporting period type is set to 'DATETIME'.
Balance request:
- Value is ignored. Balance responses always return real-time balances, independent of the provided time range.

[1..1]

+++ToTime

<ToTm>

Statement request:
- Account statement ToTime in ISO 8601 time format with UTC offset (e.g. 11:00:00+02:00).
- Exclusive.
- Used together with FromTime when the reporting period type is set to 'DATETIME'.
Balance request:
- Value is ignored. Balance responses always return real-time balances, independent of the provided time range.

[1..1]

+++Type

<Tp>

‘ALLL’

[0..1]

++Requested Balance Type

Provides details on the requested balance reporting.

[1..1]

+++Code or Proprietary

[1..1]

++++Code

<Cd>

Not used

[1..1]

++++Proprietary

<Prtry>

Statement request:
- 'DATE' – Statement is generated based on FromDate and ToDate only. FromTime and ToTime are ignored.
- 'DATETIME' – Statement is generated using FromDate / ToDate together with FromTime and ToTime.
Balance request:
- PAYMENT_LIMITS – Balance response additionally includes payment limits information.

Samples

Account balance request example (without limits):

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.060.001.03">
    <AcctRptgReq>
        <GrpHdr>
            <MsgId>MSGIDLHVTEST02</MsgId>
            <CreDtTm>2026-02-10T08:03:00.331+01:00</CreDtTm>
        </GrpHdr>
        <RptgReq>
            <ReqdMsgNmId>camt.052.001.06</ReqdMsgNmId>
            <Acct>
                <Id>
                    <IBAN>GB20LHVB04031512345679</IBAN>
                </Id>
            </Acct>
            <AcctOwnr>
                <Pty/>
            </AcctOwnr>
        </RptgReq>
    </AcctRptgReq>
</Document>

Account balance request example (with payment limits):

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.060.001.03">
    <AcctRptgReq>
        <GrpHdr>
            <MsgId>MSGIDLHVTEST02</MsgId>
            <CreDtTm>2026-02-10T08:03:00.331+01:00</CreDtTm>
        </GrpHdr>
        <RptgReq>
            <ReqdMsgNmId>camt.052.001.06</ReqdMsgNmId>
            <Acct>
                <Id>
                    <IBAN>GB20LHVB04031512345679</IBAN>
                </Id>
            </Acct>
            <AcctOwnr>
                <Pty/>
            </AcctOwnr>
            <ReqdBalTp>
                <CdOrPrtry>
                    <Prtry>PAYMENT_LIMITS</Prtry>
                </CdOrPrtry>
            </ReqdBalTp>
        </RptgReq>
    </AcctRptgReq>
</Document>

Response

Headers

Name

Value

Content-Type

application/xml

X-Bank-Code

LHVUK, LHVEE

Body

Request accepted — no content.

Error code and description

<Errors>
    <Error>
        <ErrorCode>FORBIDDEN</ErrorCode>
        <Description>User doesn't exist</Description>
    </Error>
</Errors>

Response Message

Response message is created and can be requested through the Messages services.

Response message format follows the ISO standard camt.052.001.06.

HTTP Header Message-Response-Type: ACCOUNT_BALANCE

Body

Message root

INDEX

MESSAGE ELEMENT

XML TAG

[1..1]

MessageRoot

Group header

MULT.

MESSAGE ELEMENT

XML TAG

DESCRIPTION

[1..1]

+GroupHeader

[1..1]

++MessageIdentification

<MsgId>

Unique message identifier generated by LHV.

[1..1]

++CreationDateTime

Date and time when the account statement message is created at LHV.

[0..1]

++MessageRecipient

Not used.

[0..1]

++MessagePagination

Not used.

Report

MULT.

MESSAGE ELEMENT

XML TAG

DESCRIPTION

[1..n]

+Report

<Rpt>

One report block is generated for each account and currency.

[1..1]

++Identification

<Id>

Unique identification generated by LHV.

[1..1]

++CreationDateTime

Creation date and time.

[0..1]

++FromToDate

Period for which this report is generated.

[1..1]

+++FromDateTime

From date and time in the camt.060.001.02 request.

[1..1]

+++ToDateTime

To date and time in the camt.060.001.02 request.

[1..1]

++Account

<Acct>

[1..1]

+++Identification

<Id>

[1..1]

++++IBAN

<IBAN>

Account number for which this report is generated.

[0..1]

+++Currency

<Ccy>

Currency of this report block.

[0..n]

++Balance

<Bal>

The report has two balances: current booked balance and current available balance.

[1..1]

+++Type

<Tp>

[1..1]

++++CodeOrProprietary

[0..1]

+++++Code

<Cd>

ITAV for current available balance; ITBD for interim booked balance.

[0..1]

+++++Proprietary

<Prtry>

PAYMENT_LIMIT_MONTHLY_TOTAL - total monthly limit; PAYMENT_LIMIT_MONTHLY_FREE - free monthly limit. PAYMENT_LIMIT_DAILY_TOTAL - total daily limit; PAYMENT_LIMIT_DAILY_FREE - free daily limit.

[1..1]

+++Amount

<Amt>

Balance amount.

[1..1]

+++CreditDebitIndicator

See the codes in Code Set: Credit and Debit Code.

[1..1]

+++Date

<Dt>

[1..1]

++++Date

<Dt>

Date of the balance.

[0..n]

++Entry

<Ntry>

Entry data is not returned.

Samples

Sample has balances in EUR and GBP. Payment limits are in EUR.

<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="urn:iso:std:iso:20022:tech:xsd:camt.052.001.06" xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:camt.052.001.06 camt.052.001.06.xsd">
  <BkToCstmrAcctRpt>
    <GrpHdr>
      <MsgId>e6bddc758ae4449d9f0f147708eb8e25</MsgId>
      <CreDtTm>2022-05-02T16:02:17.543126</CreDtTm>
    </GrpHdr>
	<Rpt>
      <Id>e6bddc758ae4449d9f0f147708eb8e25EUR</Id>
      <CreDtTm>2022-05-02T16:02:17.543126</CreDtTm>
      <FrToDt>
        <FrDtTm>2022-05-02T16:02:17.543126</FrDtTm>
        <ToDtTm>2022-05-02T16:02:17.543126</ToDtTm>
      </FrToDt>
      <Acct>
        <Id>
          <IBAN>GB20LHVB04031512345679</IBAN>
        </Id>
        <Ccy>EUR</Ccy>
      </Acct>
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Cd>ITBD</Cd>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="EUR">110003428.63</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt>
          <Dt>2022-05-02</Dt>
        </Dt>
      </Bal>
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Cd>ITAV</Cd>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="EUR">109998795.38</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt>
          <Dt>2022-05-02</Dt>
        </Dt>
      </Bal>
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Prtry>PAYMENT_LIMIT_MONTHLY_TOTAL</Prtry>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="EUR">100000.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <Dt>
          <Dt>2022-05-02</Dt>
        </Dt>
      </Bal>
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Prtry>PAYMENT_LIMIT_MONTHLY_FREE</Prtry>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="EUR">99995.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <Dt>
          <Dt>2022-05-02</Dt>
        </Dt>
      </Bal>
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Prtry>PAYMENT_LIMIT_DAILY_TOTAL</Prtry>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="EUR">10000.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <Dt>
          <Dt>2022-05-02</Dt>
        </Dt>
      </Bal>
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Prtry>PAYMENT_LIMIT_DAILY_FREE</Prtry>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="EUR">9995.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <Dt>
          <Dt>2022-05-02</Dt>
        </Dt>
      </Bal>
    </Rpt>
	<Rpt>
      <Id>e6bddc758ae4449d9f0f147708eb8e25GBP</Id>
      <CreDtTm>2022-05-02T16:02:17.543126</CreDtTm>
      <FrToDt>
        <FrDtTm>2022-05-02T16:02:17.543126</FrDtTm>
        <ToDtTm>2022-05-02T16:02:17.543126</ToDtTm>
      </FrToDt>
      <Acct>
        <Id>
          <IBAN>GB20LHVB04031512345679</IBAN>
        </Id>
        <Ccy>GBP</Ccy>
      </Acct>
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Cd>ITBD</Cd>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="GBP">110000037.12</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt>
          <Dt>2022-05-02</Dt>
        </Dt>
      </Bal>
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Cd>ITAV</Cd>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="GBP">110000037.12</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt>
          <Dt>2022-05-02</Dt>
        </Dt>
      </Bal>
    </Rpt>
  </BkToCstmrAcctRpt>
</Document>

Error codes

Service-specific errors

ERROR CODE

DESCRIPTION

errStatement_NoAccess

No access to the account.

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