Intra Day Statements

Intraday Statements provide businesses with real-time access to transaction details and account balances throughout the day. This capability is crucial for organizations that require up-to-the-minute information to manage cash flow, make informed financial decisions, and respond promptly to changing market conditions.

Key Capabilities:

Real-Time Access: Receive updates on transactions and account balances as they occur, enabling timely decision-making and better cash flow management.
Detailed Reporting: Intraday statements include comprehensive details such as transaction types, amounts, timestamps, and references, providing a complete view of account activity.
Frequency of Updates: Statements can be generated multiple times within a day, offering flexibility to meet the needs of high-transaction environments.
Customizable Views: Tailor the data included in statements based on specific criteria like transaction type, time intervals, or account details, allowing for more focused insights.

Technical Requirements:

Authentication: Access to Intraday Statements requires OAuth 2.0 authentication with a bearer token, obtained via the Client Credential Grant flow.
Endpoints: API endpoints are available to request, filter, and retrieve intraday statements in real time.
Response Format: Statements are delivered in JSON format for easy integration into various systems and platforms.
Error Handling: Robust error codes and responses help manage requests efficiently, ensuring consistent data retrieval even in cases of network or service disruptions.

Key Features for Developers:

API Integration: Seamlessly integrate intraday statements into your existing financial systems via APIs, enabling automated data flow and reduced manual intervention.
Flexible Data Retrieval: Use filters to customize the frequency and content of statements, ensuring the data aligns with your business needs.
Secure Data Access: All data exchanges are secured using HTTPS and OAuth 2.0, ensuring the confidentiality and integrity of your financial information.
Scalable Solution: The service is designed to handle high volumes of transactions and multiple requests throughout the day, catering to businesses of all sizes.

Example Use Cases:

Liquidity Management: Monitor account balances in real-time to Optimise liquidity and make informed decisions on investments or loans.
Cash Flow Analysis: Track inflows and outflows as they happen to maintain a clear picture of your company’s cash flow position.
Fraud Detection: Detect unusual transactions or patterns early by reviewing up-to-date statement data, helping mitigate potential risks.
Enhanced Reporting: Use intraday data to generate reports that provide a more dynamic and current view of financial health compared to end-of-day statements.

This page details the Accounts Statement request and the relevant response. Pre-Requisite: All the account intended to be used for fetching account statement, must be requested to be registered prior.

Successful Intraday call
Successful Intraday call with NPP Extended Narrative Information
Successful Intraday ARM call with NPP Extended Narrative Information
Account Statement request with Incorrect/Invalid accountId
Available test account numbers
Reserved accounts list to not use

Successful Intraday Accounts Statement

To simulate a successful response, use the following test values:

Field	Path	Value
AccountId	accountId	Any account id as listed in Test Accounts section. Restricted account numbers are listed in reserved accounts list.

Example Request

POST https://api.fileactive.uat.anzgcis.com/accounts/v2.0/statement

Headers:

   Content-Type: application/json
   Authorization: Bearer <Access Token>
   apikey : <apikey>

Body:

{
    "accountId": "011222814766535"
}

Example Response

{
    "accountId": "011222814766535",
    "extract": "intraday",
    "payload": "<?xml version="1.0" encoding="UTF-8"?> <Document xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\" xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns=\"urn:iso:std:iso:20022:tech:xsd:camt.052.001.06\"> <BkToCstmrAcctRpt> <GrpHdr> <MsgId>80010d0c0003ce00b63f84710c7967bb</MsgId> <CreDtTm>2019-10-17T11:28:12.1814057+11:00</CreDtTm> </GrpHdr> <Rpt> <Id>d0e4d3a12fd4494aba691fc6c6cbf194</Id> <CreDtTm>2019-10-17T11:28:12.1814057+11:00</CreDtTm> <RptgSrc> <Prtry>V2P</Prtry> </RptgSrc> <Acct> <Id> <Othr> <Id>011222814766535</Id> </Othr> </Id> <Ccy>AUD</Ccy> </Acct> <Bal> <Tp> <CdOrPrtry> <Cd>ITAV</Cd> </CdOrPrtry> <SubTp> <Prtry>Current</Prtry> </SubTp> </Tp> <Amt Ccy=\"AUD\">14242340.28</Amt> <CdtDbtInd>CRDT</CdtDbtInd> <Dt> <Dt>2019-07-31</Dt> </Dt> </Bal> <TxsSummry> <TtlNtries> <NbOfNtries>0</NbOfNtries> <Sum>0</Sum> <TtlNetNtry> <Amt>0</Amt> <CdtDbtInd>CRDT</CdtDbtI nd> </TtlNetNtry> </TtlNtries> <TtlCdtNtries> <NbOfNtries>0</NbOfNtries> <Sum>0</Sum> </TtlCdtNtries> <TtlDbtNtries> <NbOfNtries>0</NbOfNtries> <Sum>0</Sum> </TtlDbtNtries> </TxsSummry> </Rpt> </BkToCstmrAcctRpt> </Document>",
    "requestKey": "80010d0c-0003-ce00-b63f-84710c7967bb",
    "cursor": "MjAxOTEwMTc6NQ==",
    "moreTransactionsAvailable": true
}

Successful Intraday Accounts Statement with NPP Extended Narrative Information

To simulate a successful response, use the following test values:

Field	Path	Value
AccountId	accountId	011222814766535
Include Narrative	includeNarrative	true

Example Request

POST https://api.fileactive.uat.anzgcis.com/accounts/v2.0/statement

Headers:

   Content-Type: application/json
   Authorization: Bearer <Access Token>
   apikey : <apikey>

Body:

{
    "accountId": "011222814766535",
    "includeNarrative": true
}

Example Response

{
  "accountId": "011222814766535",
  "extract": "intraday",
  "payload": "<?xml version=\"1.0\" encoding=\"utf-8\"?><Document xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\" xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns=\"urn:iso:std:iso:20022:tech:xsd:camt.052.001.06\"><BkToCstmrAcctRpt><GrpHdr><MsgId>b420c09b8dc64694b41613fce40e3022</MsgId><CreDtTm>2020-01-20T16:42:06.2313279+11:00</CreDtTm></GrpHdr><Rpt><Id>768b9226504f41a9955501f6b3c5ba8d</Id><CreDtTm>2020-01-20T16:42:06.2313279+11:00</CreDtTm><RptgSrc><Prtry>V2P</Prtry></RptgSrc><Acct><Id><Othr><Id>011222814766535</Id></Othr></Id><Ccy>AUD</Ccy></Acct><Bal><Tp><CdOrPrtry><Cd>ITAV</Cd></CdOrPrtry><SubTp><Prtry>Current</Prtry></SubTp></Tp><Amt Ccy=\"AUD\">14242340.28</Amt><CdtDbtInd>CRDT</CdtDbtInd><Dt><Dt>2019-07-31</Dt></Dt></Bal><TxsSummry><TtlNtries><NbOfNtries>5</NbOfNtries><Sum>135.00</Sum><TtlNetNtry><Amt>135.00</Amt><CdtDbtInd>CRDT</CdtDbtInd></TtlNetNtry></TtlNtries><TtlCdtNtries><NbOfNtries>5</NbOfNtries><Sum>135.00</Sum></TtlCdtNtries><TtlDbtNtries><NbOfNtries>0</NbOfNtries><Sum>0</Sum></TtlDbtNtries></TxsSummry><Ntry><Amt Ccy=\"AUD\">42.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts>BOOK</Sts><BookgDt><Dt>2020-01-20</Dt></BookgDt><ValDt><Dt>2020-01-20</Dt></ValDt><BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Amt Ccy=\"AUD\">42.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><RmtInf><Ustrd>Memo for transaction 20200120:4</Ustrd></RmtInf></TxDtls></NtryDtls></Ntry><Ntry><Amt Ccy=\"AUD\">17.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts>BOOK</Sts><BookgDt><Dt>2020-01-20</Dt></BookgDt><ValDt><Dt>2020-01-20</Dt></ValDt><BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Amt Ccy=\"AUD\">17.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><RmtInf><Ustrd>Memo for transaction 20200120:3</Ustrd></RmtInf></TxDtls></NtryDtls></Ntry><Ntry><Amt Ccy=\"AUD\">51.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts>BOOK</Sts><BookgDt><Dt>2020-01-20</Dt></BookgDt><ValDt><Dt>2020-01-20</Dt></ValDt><BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Amt Ccy=\"AUD\">51.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><RmtInf><Ustrd>Memo for transaction 20200120:2</Ustrd></RmtInf></TxDtls></NtryDtls></Ntry><Ntry><Amt Ccy=\"AUD\">25.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts>BOOK</Sts><BookgDt><Dt>2020-01-20</Dt></BookgDt><ValDt><Dt>2020-01-20</Dt></ValDt><BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Refs><AcctSvcrRef>1234567890123456789</AcctSvcrRef><EndToEndId>Tx0000163773</EndToEndId><Prtry><Tp>ServiceLevel</Tp><Ref>ics1.clear.V01</Ref></Prtry></Refs><Amt Ccy=\"AUD\">25.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><RltdPties><Dbtr><Nm>HITACHI INTERNATIONAL</Nm></Dbtr><Cdtr><Nm>BILBO BAGGINS</Nm></Cdtr></RltdPties><RmtInf><Ustrd>Hey 😁! this is a Fast payment Extended Narrative Information 👍👨‍👩‍👧‍👦</Ustrd></RmtInf></TxDtls></NtryDtls></Ntry><Ntry><Amt Ccy=\"AUD\">0.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts>BOOK</Sts><BookgDt><Dt>2020-01-20</Dt></BookgDt><ValDt><Dt>2020-01-20</Dt></ValDt><BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Amt Ccy=\"AUD\">0.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><RmtInf><Ustrd>Memo for transaction 20200120:0</Ustrd></RmtInf></TxDtls></NtryDtls></Ntry></Rpt></BkToCstmrAcctRpt></Document>",
  "requestKey": "b420c09b-8dc6-4694-b416-13fce40e3022",
  "moreTransactionsAvailable": false
}

Note: Payload will contain a transaction with ‘RltdPties’ and ‘Ustrd’ field values with NPP Transaction and NARRATIVE Information.

Successful Intraday ARM Accounts Statement with NPP Extended Narrative Information

To simulate a successful response, use the following test values:

Field	Path	Value
AccountId	accountId	011222814766538 or 011222814766539
Include Narrative	includeNarrative	true

Example Request

POST https://api.fileactive.uat.anzgcis.com/accounts/v2.0/statement

Headers:

   Content-Type: application/json
   Authorization: Bearer <Access Token>
   apikey : <apikey>

Body:

{
    "accountId": "011222814766538",
    "includeNarrative": true
}

Example Response

{
  "accountId": "011222814766538",
  "extract": "intraday",
  "sortOrder": "forward",
  "payload": "<?xml version=\"1.0\" encoding=\"utf-8\"?><Document xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\" xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns=\"urn:iso:std:iso:20022:tech:xsd:camt.052.001.06\"><BkToCstmrAcctRpt><GrpHdr><MsgId>44b756ed60c8496391a768af90073f3f</MsgId><CreDtTm>2021-07-29T17:10:05.1750344+10:00</CreDtTm></GrpHdr><Rpt><Id>2a49546e4627493c9ba9645df24c9271</Id><CreDtTm>2021-07-29T17:10:05.1750344+10:00</CreDtTm><RptgSrc><Prtry>CMM</Prtry></RptgSrc><Acct><Id><Othr><Id>011222814766538</Id></Othr></Id><Ccy>AUD</Ccy></Acct><Bal><Tp><CdOrPrtry><Cd>ITAV</Cd></CdOrPrtry><SubTp><Prtry>Current</Prtry></SubTp></Tp><Amt Ccy=\"AUD\">1245500.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Dt><Dt>2021-07-29</Dt></Dt></Bal><TxsSummry><TtlNtries><NbOfNtries>6</NbOfNtries><Sum>143.00</Sum><TtlNetNtry><Amt>143.00</Amt><CdtDbtInd>CRDT</CdtDbtInd></TtlNetNtry></TtlNtries><TtlCdtNtries><NbOfNtries>6</NbOfNtries><Sum>143.00</Sum></TtlCdtNtries><TtlDbtNtries><NbOfNtries>0</NbOfNtries><Sum>0</Sum></TtlDbtNtries></TxsSummry><Ntry><Amt Ccy=\"AUD\">8.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts>BOOK</Sts><BookgDt><Dt>2021-07-29</Dt></BookgDt><ValDt><Dt>2021-07-29</Dt></ValDt><BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Amt Ccy=\"AUD\">8.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><RmtInf><Ustrd>Memo for transaction 20210729:5</Ustrd></RmtInf></TxDtls></NtryDtls></Ntry><Ntry><Amt Ccy=\"AUD\">42.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts>BOOK</Sts><BookgDt><Dt>2021-07-29</Dt></BookgDt><ValDt><Dt>2021-07-29</Dt></ValDt><BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Amt Ccy=\"AUD\">42.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><RmtInf><Ustrd>Memo for transaction 20210729:4</Ustrd></RmtInf></TxDtls></NtryDtls></Ntry><Ntry><Amt Ccy=\"AUD\">17.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts>BOOK</Sts><BookgDt><Dt>2021-07-29</Dt></BookgDt><ValDt><Dt>2021-07-29</Dt></ValDt><BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Amt Ccy=\"AUD\">17.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><RmtInf><Ustrd>Memo for transaction 20210729:3</Ustrd></RmtInf></TxDtls></NtryDtls></Ntry><Ntry><Amt Ccy=\"AUD\">51.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts>BOOK</Sts><BookgDt><Dt>2021-07-29</Dt></BookgDt><ValDt><Dt>2021-07-29</Dt></ValDt><BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Amt Ccy=\"AUD\">51.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><RmtInf><Ustrd>Memo for transaction 20210729:2</Ustrd></RmtInf></TxDtls></NtryDtls></Ntry><Ntry><Amt Ccy=\"AUD\">25.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts>BOOK</Sts><BookgDt><Dt>2021-07-29</Dt></BookgDt><ValDt><Dt>2021-07-29</Dt></ValDt><BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Refs><AcctSvcrRef>1234567890123456789</AcctSvcrRef><EndToEndId>Tx0000163773</EndToEndId><Prtry><Tp>ServiceLevel</Tp><Ref>ics1.clear.V01</Ref></Prtry></Refs><Amt Ccy=\"AUD\">25.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><RltdPties><Dbtr><Nm>HITACHI INTERNATIONAL</Nm></Dbtr><Cdtr><Nm>BILBO BAGGINS</Nm></Cdtr><CdtrAcct><Id><Othr><Id>006430991</Id><Issr>010201</Issr></Othr></Id></CdtrAcct></RltdPties><RmtInf><Ustrd>payment 12345 - sample emoji 👍</Ustrd></RmtInf></TxDtls></NtryDtls></Ntry><Ntry><Amt Ccy=\"AUD\">0.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts>BOOK</Sts><BookgDt><Dt>2021-07-29</Dt></BookgDt><ValDt><Dt>2021-07-29</Dt></ValDt><BkTxCd><Domn><Cd>PMNT</Cd><Fmly><Cd>RCDT</Cd><SubFmlyCd>DMCT</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Amt Ccy=\"AUD\">0.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><RmtInf><Ustrd>Memo for transaction 20210729:0</Ustrd></RmtInf></TxDtls></NtryDtls></Ntry></Rpt></BkToCstmrAcctRpt></Document>",
  "requestKey": "44b756ed-60c8-4963-91a7-68af90073f3f",
  "moreTransactionsAvailable": false
}

Note: Payload will contain a transaction with ‘RltdPties’ and ‘Ustrd’ field values with NPP Transaction and narrative information, along with the ARM virtual account details as follows:

Creditor account identification: Payee account number (ARM virtual account)
Creditor account issuer: Payee account issuer - BSB (ARM Off System BSB)

Account Statement request with Incorrect/Invalid accountId fails

To simulate a successful response, use the following test values:

Field	Path	Value
AccountId	accountId	000000000000000

Example Request

POST https://api.fileactive.uat.anzgcis.com/accounts/v2.0/statement

Headers:

   Content-Type: application/json
   Authorization: Bearer <Access Token>
   apikey : <apikey>

Body:

{
    "accountId": "000000000000000",
}

Example Response

{
         "requestKey": "531ba7c0-47dc-11ea-a20e-b9c0078e2e9a",
         "error":{
           "statusCode": "EC20001",
           "title": "Account Id: '000000000000000' not found"
         }
} 

Test Accounts

Accounts available for testing against various currencies.

Note: Additional account numbers may be used as documented for specific use cases.

Account Number	Currency
011222814766535	AUD
123456USD00099	USD
9999999	SBD
123456HKD00099	HKD
123456SGD00099	SGD
123456INR00099	INR
123456PNG00099	PGK
123456VND00099	VND

Reserved Accounts

Accounts Reserved for Internal error cases.
Note: These below listed accounts (with any BSB) are used for INTERNAL negative testing only and not be used.

Account numbers
111111111
222222222
333333333
444444444
555555555
666666666
777777777
888888888
999999999

Intra Day Statements

Key Capabilities:

Technical Requirements:

Key Features for Developers:

Example Use Cases:

Contents

Successful Intraday Accounts Statement

Example Request

Example Response

Successful Intraday Accounts Statement with NPP Extended Narrative Information

Example Request

Example Response

Successful Intraday ARM Accounts Statement with NPP Extended Narrative Information

Example Request

Example Response

Account Statement request with Incorrect/Invalid accountId fails

Example Request

Example Response

Test Accounts

Reserved Accounts