Account API

Access account balance and transaction history of a customer in total security.

Which type of account can be enrolled in a TPP application?

All Belfius and Banx payment accounts can be enrolled within a TPP environment. Business, Corporate and Public Segment accounts as well.

The PSU account is a payment account, but we receive an error when enrolling the account?

To be eligible for PSD2, a payment account should be managed in one of the Belfius electronic channel (Belfius Mobile, Belfius Direct Net – Business, Belfius Web) or in the Banx Mobile application. If this is not the case, the account cannot be added in the TPP environment.

If the account is blocked by Belfius/Banx for compliance or other reasons, the account enrolment will also not be possible.

Also note that if the PSU blocked one of the digital channel abonnements, the account enrollment within the TPP may not be possible for security reasons. Getting account information and transaction history won’t be possible for the same reasons. The PSU should deblocked its digital channel to continue enabling PSD2. The PSU can contact Belfius contact center or Belfius branches to guide him/her trough the procedure.

Is it required to provide an account IBAN in input for the account enrolment? Does Belfius/Banx provides a list of accounts that can be enrolled?

Using version 3 of get /consent-uris API, it is mandatory to provide an account IBAN when starting the account enrolment. This API should be used for CAF.

Using version 4 of get /consent-uris API, an account IBAN should not be provided in input of the API when starting the account enrolment. The PSU should be redirected to the Belfius or Banx environment using the provided url. Once, the PSU will be in Belfius or Banx environment, the PSU will be able to choose which account(s) he wants to add in the TPP application. The TPP can retrieve the list of accounts (IBAN + logical-IDs) calling the Get /accounts API.

The PSU wants to add the payment of a legal entity what should be done?

If this payment account is managed in a Belfius channel, that the PSU is a legal representative of the legal entity and that he/she can access this account, there is no preliminary steps to fulfill.

However, if the PSU is not a legal representative of the legal entity, the legal entity representative should activate the PSD2 possibility for this PSU. The legal entity representative can contact its relation manager to have more information on this step knows as the “pre-enrolment” of a PSU for PSD2 services.

How much transaction history can be retrieved using the get transaction API?

The same transaction history is available using PSD2 get transaction API as in Belfius channels which is almost 10 years in the past. Note that transaction history also depends when the payment account was open at Belfius or Banx by the PSU.

Note that by default only 90 days of transaction history is available to the TPP. To access the full transaction history, PSD2 regulation foresee that the PSU perform a strong customer authenticate. Please find more information on how to retrieve the full transaction history in the Flows section.

Is the logical-ID stable?

The logical-ID is stable as long as a new account enrolment is not performed or as long as the get /accounts is not called. Using renewal flow does not change the logical-ID.