> For the complete documentation index, see [llms.txt](https://docs.lhv.com/home/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.lhv.com/home/connect/services/account-reports/account-balance.md).

# Account Balance

## Request <a href="#account-balance-request" id="account-balance-request"></a>

<mark style="color:green;">`POST`</mark> <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.

{% hint style="info" %}
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.
{% endhint %}

{% file src="/files/8MB37Nm858qyGPk6ZN5p" %}
camt.060.001.03 XSD schema
{% endfile %}

#### **Headers**

<table><thead><tr><th width="297">Name</th><th>Value</th></tr></thead><tbody><tr><td>Content-Type</td><td><code>application/xml</code></td></tr><tr><td>Client-Code</td><td><code>customer value</code></td></tr><tr><td>Client-Country</td><td><code>customer value</code></td></tr></tbody></table>

### **Body**

XML structure description:

**Message root**

| INDEX   | MESSAGE ELEMENT | XML TAG        |
| ------- | --------------- | -------------- |
| \[1..1] | MessageRoot     | \<AcctRptgReq> |

**Group header and Reporting Request**

<table data-full-width="true"><thead><tr><th width="99">MULT.</th><th width="262">MESSAGE ELEMENT</th><th width="182">XML TAG</th><th>DESCRIPTION</th><th data-hidden>INDEX</th></tr></thead><tbody><tr><td>[1..1]</td><td>+GroupHeader</td><td>&#x3C;GrpHdr></td><td></td><td>1.0</td></tr><tr><td>[1..1]</td><td>++MessageIdentification</td><td>&#x3C;MsgId></td><td>Unique message identifier generated by requesting party.</td><td>1.1</td></tr><tr><td>[1..1]</td><td>++CreationDateTime</td><td>&#x3C;CreDtTm></td><td></td><td>1.2</td></tr><tr><td>[1..1]</td><td>+ReportingRequest</td><td>&#x3C;RptgReq></td><td></td><td>2.0</td></tr><tr><td>[0..1]</td><td>++Identification</td><td>&#x3C;Id></td><td></td><td>2.1</td></tr><tr><td>[1..1]</td><td>++RequestedMessageNameIdentification</td><td>&#x3C;ReqdMsgNmId></td><td><p>Supported values:</p><ul><li><p>'camt.053.001.02' – Used for account statement requests</p><ul><li>Endpoint: POST /account-statement</li></ul></li><li><p>'camt.052.001.06' – Used for account balance requests</p><ul><li>Endpoint: POST /account-balance</li></ul></li></ul></td><td>2.2</td></tr><tr><td>[0..1]</td><td>++Account</td><td>&#x3C;Acct></td><td></td><td>2.3</td></tr><tr><td>[1..1]</td><td>+++Identification</td><td>&#x3C;Id></td><td></td><td>2.3</td></tr><tr><td>[1..1]</td><td>++++IBAN</td><td>&#x3C;IBAN></td><td><ul><li>IBAN of the account to which the report request applies.</li><li><p>When using VIBAN or Indirect Scheme Participant account services, the master account IBAN must be provided.</p><ul><li>VIBANs or Indirect Scheme Participant accounts are displayed only in the account statement report and are not accepted in the request.</li></ul></li></ul></td><td>2.3</td></tr><tr><td>[1..1]</td><td>++AccountOwner</td><td>&#x3C;AcctOwnr></td><td></td><td>2.4</td></tr><tr><td>[1..1]</td><td>+++Party</td><td>&#x3C;Pty></td><td>Values are ignored.</td><td>2.4</td></tr><tr><td>[0..1]</td><td>++ReportingPeriod</td><td>&#x3C;RptgPrd></td><td>Mandatory for account statement requests.</td><td>2.8</td></tr><tr><td>[1..1]</td><td>+++FromToDate</td><td>&#x3C;FrToDt></td><td>Date filters apply only to statement requests; balance requests always return real-time data.</td><td>2.9</td></tr><tr><td>[1..1]</td><td>++++FromDate</td><td>&#x3C;FrDt></td><td><ul><li><p>Statement request:</p><ul><li>Account statement FromDate in ISO 8601 date format (YYYY-MM-DD).</li><li>Must not be later than ToDate.</li><li>Used together with ToDate to define the requested reporting period.</li></ul></li><li><p>Balance request:</p><ul><li>Value is ignored. Balance responses always return real-time balances, independent of the provided date.</li></ul></li></ul></td><td>2.9</td></tr><tr><td>[1..1]</td><td>++++ToDate</td><td>&#x3C;ToDt></td><td><ul><li><p>Statement request:</p><ul><li>Mandatory element.</li><li>Account statement ToDate in ISO 8601 date format (YYYY-MM-DD).</li><li>Must not be earlier than FromDate.</li><li>If a future date is provided, the system uses the current day as the effective end date.</li></ul></li><li><p>Balance request:</p><ul><li>Value is ignored. Balance responses always return real-time balances, independent of the provided date.</li></ul></li></ul></td><td>2.9</td></tr><tr><td>[1..1]</td><td>+++FromToTime</td><td>&#x3C;FrToTm></td><td><p>Time filters apply only to statement requests; balance requests always return real-time data.</p><ul><li>Values are ignored if Requested Balance Type (ReqdBalTp) block is not added or if ReqdBalTp.CdOrPrtry.Cd.Prtry = 'DATE'.</li><li>Values are used when ReqdBalTp.CdOrPrtry.Cd.Prtry = 'DATETIME'</li></ul></td><td>2.10</td></tr><tr><td>[1..1]</td><td>+++FromTime</td><td>&#x3C;FrTm></td><td><ul><li><p>Statement request:</p><ul><li>Account statement FromTime in ISO 8601 time format with UTC offset (e.g. 11:00:00+02:00).</li><li>Inclusive.</li><li>Used together with ToTime when the reporting period type is set to 'DATETIME'.</li></ul></li><li><p>Balance request:</p><ul><li>Value is ignored. Balance responses always return real-time balances, independent of the provided time range.</li></ul></li></ul></td><td>2.10</td></tr><tr><td>[1..1]</td><td>+++ToTime</td><td>&#x3C;ToTm></td><td><ul><li><p>Statement request:</p><ul><li>Account statement ToTime in ISO 8601 time format with UTC offset (e.g. 11:00:00+02:00).</li><li>Exclusive.</li><li>Used together with FromTime when the reporting period type is set to 'DATETIME'.</li></ul></li><li><p>Balance request:</p><ul><li>Value is ignored. Balance responses always return real-time balances, independent of the provided time range.</li></ul></li></ul></td><td>2.10</td></tr><tr><td>[1..1]</td><td>+++Type</td><td>&#x3C;Tp></td><td>‘ALLL’</td><td>2.13</td></tr><tr><td>[0..1]</td><td>++Requested Balance Type</td><td>&#x3C;ReqdBalTp></td><td>Provides details on the requested balance reporting.</td><td>2.14</td></tr><tr><td>[1..1]</td><td>+++Code or Proprietary</td><td>&#x3C;CdOrPrtry></td><td></td><td>2.14</td></tr><tr><td>[1..1]</td><td>++++Code</td><td>&#x3C;Cd></td><td>Not used</td><td>2.14</td></tr><tr><td>[1..1]</td><td>++++Proprietary</td><td>&#x3C;Prtry></td><td><ul><li><p>Statement request:</p><ul><li>'DATE' – Statement is generated based on FromDate and ToDate only. FromTime and ToTime are ignored.</li><li>'DATETIME' – Statement is generated using FromDate / ToDate together with FromTime and ToTime.</li></ul></li><li><p>Balance request:</p><ul><li>PAYMENT_LIMITS – Balance response additionally includes payment limits information.</li></ul></li></ul></td><td>2.14</td></tr></tbody></table>

#### Samples

{% tabs %}
{% tab title="Balances only" %}
Account balance request example (without limits):

{% code fullWidth="true" %}

```xml
<?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>
```

{% endcode %}
{% endtab %}

{% tab title="Balances with limits" %}
Account balance request example (with payment limits):

{% code fullWidth="true" %}

```xml
<?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>
```

{% endcode %}
{% endtab %}
{% endtabs %}

### **Response**

**Headers**

<table><thead><tr><th width="312">Name</th><th>Value</th></tr></thead><tbody><tr><td>Content-Type</td><td><code>application/xml</code></td></tr><tr><td>X-Bank-Code</td><td><code>LHVUK, LHVEE</code></td></tr></tbody></table>

#### Body

{% tabs %}
{% tab title="202" %}
{% hint style="success" %}
Request accepted — no content.
{% endhint %}
{% endtab %}

{% tab title="403" %}
{% hint style="danger" %}
Error code and description
{% endhint %}

<pre><code>&#x3C;Errors>
<strong>    &#x3C;Error>
</strong>        &#x3C;ErrorCode>FORBIDDEN&#x3C;/ErrorCode>
        &#x3C;Description>User doesn't exist&#x3C;/Description>
    &#x3C;/Error>
&#x3C;/Errors>
</code></pre>

{% endtab %}
{% endtabs %}

## Response Message <a href="#account-balance-response" id="account-balance-response"></a>

Response message is created and can be requested through the [Messages services](/home/connect/services/messages.md).

{% hint style="info" %}
Response message format follows the ISO standard camt.052.001.06.

HTTP Header Message-Response-Type: ACCOUNT\_BALANCE
{% endhint %}

{% file src="/files/0foF9GWovYpe797mNeGH" %}
camt.052.001.06.xsd schema
{% endfile %}

### Body

**Message root**

| INDEX   | MESSAGE ELEMENT | XML TAG             |
| ------- | --------------- | ------------------- |
| \[1..1] | MessageRoot     | \<BkToCstmrAcctRpt> |

**Group header**

<table data-full-width="true"><thead><tr><th width="124">MULT.</th><th width="239">MESSAGE ELEMENT</th><th width="152">XML TAG</th><th>DESCRIPTION</th><th data-hidden>INDEX</th></tr></thead><tbody><tr><td>[1..1]</td><td>+GroupHeader</td><td>&#x3C;GrpHdr></td><td></td><td>1.0</td></tr><tr><td>[1..1]</td><td>++MessageIdentification</td><td>&#x3C;MsgId></td><td>Unique message identifier generated by LHV.</td><td>1.1</td></tr><tr><td>[1..1]</td><td>++CreationDateTime</td><td>&#x3C;CreDtTm></td><td>Date and time when the account statement message is created at LHV.</td><td>1.2</td></tr><tr><td>[0..1]</td><td>++MessageRecipient</td><td>&#x3C;MsgRcpt></td><td>Not used.</td><td>1.3</td></tr><tr><td>[0..1]</td><td>++MessagePagination</td><td>&#x3C;MsgPgntn></td><td>Not used.</td><td>1.4</td></tr></tbody></table>

**Report**

<table data-full-width="true"><thead><tr><th width="128.5">MULT.</th><th width="230">MESSAGE ELEMENT</th><th width="167">XML TAG</th><th>DESCRIPTION</th><th data-hidden>INDEX</th></tr></thead><tbody><tr><td>[1..n]</td><td>+Report</td><td>&#x3C;Rpt></td><td>One report block is generated for each account and currency.</td><td>2.0</td></tr><tr><td>[1..1]</td><td>++Identification</td><td>&#x3C;Id></td><td>Unique identification generated by LHV.</td><td>2.1</td></tr><tr><td>[1..1]</td><td>++CreationDateTime</td><td>&#x3C;CreDtTm></td><td>Creation date and time.</td><td>2.4</td></tr><tr><td>[0..1]</td><td>++FromToDate</td><td>&#x3C;FrToDt></td><td>Period for which this report is generated.</td><td>2.5</td></tr><tr><td>[1..1]</td><td>+++FromDateTime</td><td>&#x3C;FrDtTm></td><td>From date and time in the camt.060.001.02 request.</td><td>2.5</td></tr><tr><td>[1..1]</td><td>+++ToDateTime</td><td>&#x3C;ToDtTm></td><td>To date and time in the camt.060.001.02 request.</td><td>2.5</td></tr><tr><td>[1..1]</td><td>++Account</td><td>&#x3C;Acct></td><td></td><td>2.10</td></tr><tr><td>[1..1]</td><td>+++Identification</td><td>&#x3C;Id></td><td></td><td>2.10</td></tr><tr><td>[1..1]</td><td>++++IBAN</td><td>&#x3C;IBAN></td><td>Account number for which this report is generated.</td><td>2.10</td></tr><tr><td>[0..1]</td><td>+++Currency</td><td>&#x3C;Ccy></td><td>Currency of this report block.</td><td>2.10</td></tr><tr><td>[0..n]</td><td>++Balance</td><td>&#x3C;Bal></td><td>The report has two balances: current booked balance and current available balance.</td><td>2.23</td></tr><tr><td>[1..1]</td><td>+++Type</td><td>&#x3C;Tp></td><td></td><td>2.24</td></tr><tr><td>[1..1]</td><td>++++CodeOrProprietary</td><td>&#x3C;CdOrPrtry></td><td></td><td>2.25</td></tr><tr><td>[0..1]</td><td>+++++Code</td><td>&#x3C;Cd></td><td>ITAV for current available balance;<br>ITBD for interim booked balance.</td><td>2.26</td></tr><tr><td>[0..1]</td><td>+++++Proprietary</td><td>&#x3C;Prtry></td><td>PAYMENT_LIMIT_MONTHLY_TOTAL - total monthly limit;<br>PAYMENT_LIMIT_MONTHLY_FREE - free monthly limit.<br>PAYMENT_LIMIT_DAILY_TOTAL - total daily limit;<br>PAYMENT_LIMIT_DAILY_FREE - free daily limit.</td><td>2.26</td></tr><tr><td>[1..1]</td><td>+++Amount</td><td>&#x3C;Amt></td><td>Balance amount.</td><td>2.34</td></tr><tr><td>[1..1]</td><td>+++CreditDebitIndicator</td><td>&#x3C;CdtDbtInd></td><td>See the codes in <a href="https://partners.lhv.ee/en/connect/#code-set-credit-and-debit-code">Code Set: Credit and Debit Code</a>.</td><td>2.35</td></tr><tr><td>[1..1]</td><td>+++Date</td><td>&#x3C;Dt></td><td></td><td>2.36</td></tr><tr><td>[1..1]</td><td>++++Date</td><td>&#x3C;Dt></td><td>Date of the balance.</td><td>2.36</td></tr><tr><td>[0..n]</td><td>++Entry</td><td>&#x3C;Ntry></td><td>Entry data is not returned.</td><td>2.76</td></tr></tbody></table>

#### Samples

{% tabs %}
{% tab title="Balances data" %}
Sample has balances in EUR and GBP. Payment limits are in EUR.

```xml
<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>
```

{% endtab %}
{% endtabs %}

**Error codes**

Service-specific errors

<table><thead><tr><th width="361">ERROR CODE</th><th>DESCRIPTION</th></tr></thead><tbody><tr><td>errStatement_NoAccess</td><td>No access to the account.</td></tr></tbody></table>


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.lhv.com/home/connect/services/account-reports/account-balance.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.