Ledger Balances

This daily ledger balances report provides a point-in-time snapshot of every account's balance as at the end of the previous day in your local timezone — independent of whether the balance changed in the last 24 hours.

It includes available and pending balance information, along with key account details like name, hierarchy, status, and currency. You can utilise this report for use-cases such as:

Reconciling account balances
Regulatory reporting
Accounting

Format: CSV (UTF-8, RFC 4180 quoting)
File Name: [ClientId-balance-report-YYYYMMDD-NNNNN].csv
Frequency: Daily, anchored to the client's local timezone
Stored in: Client-hosted (e.g. SFTP)

File structure

The report is split into one or more part files of up to 100,000 rows each. NNNNN is a five-digit, zero-padded sequence starting at 00001.
Each part file repeats the header row.
If there are no accounts, a single file containing only the header row is produced.
YYYYMMDD is the report date: the calendar day that has just ended in the client's local timezone. Balances are reported as at local midnight at the end of that day.
Every account is included, whether or not its balance changed during the day.

Balance cutoff

The cutoff is local midnight at the end of the report date. A transaction posted at exactly local midnight belongs to the next day's report.

Data fields

Use the table below to help you interpret the data in the report:

Field name	Description	Example	Format
System_date	Report generation timestamp (UTC)	2026-05-15T10:00:00.123Z	Datetime ISO 8601 (UTC)
Account_id	Customer Management account identifier Empty when the account has no Customer Management ID	ACC-001	Alphanumeric
Account_name	Human-readable account name	Current Account	Alphanumeric
Parent_account_id	Parent in the account hierarchy Empty if the account is a root account	PARENT-1	Alphanumeric
External_reference	Client-supplied external reference Empty if unset	EXT-42	Alphanumeric
Status	Status of the account: ACTIVE INACTIVE SUSPENDED CLOSED	ACTIVE	Alphabetic
Currency	Account currency (ISO 4217 alphabetic currency code)	ZAR	Alphabetic
Available_balance	Available balance (available credit minus available debit) as at the report cutoff, in minor units 0 if the account has no balance history at the cutoff	150000	Numeric - integer (minor units)
Pending_balance	Pending balance (reserved credit minus reserved debit) as at the report cutoff, in minor units 0 if the account has no balance history at the cutoff	5000	Numeric - integer (minor units)
Created_at	Account creation timestamp (UTC)	2026-01-01T00:00:00Z	Datetime ISO 8601 (UTC)

Sample file

system_date,account_id,account_name,parent_account_id,external_reference,status,currency,available_balance,pending_balance,created_at
2026-05-15T10:00:00.123Z,PARENT-1,"Acme, Inc.",,EXT-7,ACTIVE,ZAR,2500000,0,2025-12-01T09:00:00Z
2026-05-15T10:00:00.123Z,ACC-001,Current Account,PARENT-1,EXT-42,ACTIVE,ZAR,150000,5000,2026-01-01T00:00:00Z
2026-05-15T10:00:00.123Z,ACC-002,Savings Account,PARENT-1,,ACTIVE,ZAR,0,0,2026-02-10T08:15:30.250Z
2026-05-15T10:00:00.123Z,ACC-003,Travel Wallet,PARENT-1,EXT-43,SUSPENDED,USD,12075,2000,2026-03-05T14:22:10.500Z
2026-05-15T10:00:00.123Z,ACC-004,Old Account,PARENT-1,,CLOSED,ZAR,0,0,2025-11-20T11:45:00Z