Transactions

To access transactions, use the Transactions API endpoint. The transactions are sent as a collection of transactions within a data array and a nextPageToken. The last page returns a null value for nextPageToken.

Transaction history

After a user provides consent to a bank, transactions are fetched from the bank to EnableNow with a maximum of 18 months of transaction history.

Structure

{
  "data": [
    {
      "id": "aeeffb5c-4800-5f6f-8797-7f488351553d",
      "accountNumber": "NL12ABNA9999876523",
      "accountId": "faa409f9-ff20-4462-4729-08dbfaecde2e",
      "description": "Description",
      "bookDate": "2021-12-23",
      "transactionDateTime": "2021-12-23T21:40:38.26Z",
      "amount": 229.6,
      "balanceAfterTransaction": 1229.82,
      "currency": "EUR",
      "counterpartDescription": "ACME Inc.",
      "counterpartAccountNumber": "NL28ABNA9998422205",
      "providerProperties": {
        "providerKey": "ABNANL2A",
        "transactionId": "GT020008680598410AO",
        "transactionType": "658",
        "transactionTypeName": null,
        "reasonCode": null,
        "purposeCode": null,
        "balanceAfterTransaction": 1229.82
      },
      "category": {
        "l0Name": "Retail",
        "l1Name": "Inflows",
        "l2Name": "Income",
        "l3Name": "Fixed income",
        "code": "R010101"
      }
    },
    {
      "id": "d8906f3a-5128-54cf-840f-1a82c5562b73",
      "accountNumber": "NL12ABNA9999876523",
      "accountId": "faa409f9-ff20-4462-4729-08dbfaecde2e",
      "description": "Description",
      "bookDate": "2021-12-23",
      "transactionDateTime": "2021-12-23T21:40:38.31Z",
      "amount": -181.5,
      "balanceAfterTransaction": 1000.22,
      "currency": "EUR",
      "counterpartDescription": "ACME Inc.",
      "counterpartAccountNumber": "NL04INGB9999552978",
      "providerProperties": {
        "providerKey": "ABNANL2A",
        "transactionId": "9855P5427870677S0AQ",
        "transactionType": "654",
        "transactionTypeName": null,
        "reasonCode": null,
        "purposeCode": null,
        "balanceAfterTransaction": 1000.22
      },
      "category": {
        "l0Name": "Retail",
        "l1Name": "Inflows",
        "l2Name": "Income",
        "l3Name": "Variable income",
        "code": "R010102"
      }
    }
  ],
  "nextPageToken": "wjUIWnL2qgXbmjdq"
}

Inside the data collection, the transaction object consists of the following properties:

Property	Type	Availability	Description
id	UUID	Required	Unique ID for this transaction.
accountId	UUID	Required	Unique EnableNow account ID for this account.
accountNumber	string	Optional	Account IBAN number for this transaction in uppercase. Can be null for accounts which have no IBAN number (i.e. savings accounts).
description	string	Required	The description of the transaction.
bookDate	string	Required	The booking date of the transaction, in the structure YYYY-MM-DD.
transactionDateTime	string	Required	DateTime of the transaction in UTC time, ISO 8601 notation like: 2024-12-24T09:17:40.524Z. Note: the fractional seconds are optional and are not available on all banks. Some banks only provide the date, not the time of a transaction, in that case we provide a string where time is 00:00:00Z, like: 2024-12-24T00:00:00Z Refer to the Fields per provider table to check the structure in which banks provide this field.
amount	decimal	Required	The amount of this transaction, this value is negative for debit transactions.
balanceAfterTransaction	decimal	Optional	When balance data is provided by the provider, this is the calculated balance after this transaction. This value is negative for negative balances.
currency	string	Required	ISO 3 letter currency value in uppercase (e.g. EUR, USD, etc.).
counterpartDescription	string	Optional	Description of the counterpart party.
counterpartAccountNumber	string	Optional	Account IBAN number of the counterpart party in uppercase.

The category object is only returned when you are using the Categorization features and a Categorization Job has run for the selected transactions. For more information about the structure of the category object, refer to the Categorization documentation.

Provider Properties

Provider properties is an object with properties that contain specific (meta)data related to the transaction. Not all banks provide all details.

info

The structure and content of the provider properties object are subject to change. Banks may alter the way they provide additional metadata about transactions, which can affect the properties available within this object. It's important to note that these properties can be modified or new ones can be added without any changes to our API. This means integrations using provider properties should be designed with flexibility and resilience in mind to handle potential modifications seamlessly.

Property	Type	Availability	Description
providerKey	string	Required	The bank identifier.
transactionId	string	Optional	Unique ID from the bank for this transaction.
transactionType	string	Optional	The bank specific mutation of type code of this transaction.
transactionTypeName	string	Optional	The bank specific mutation of type name of this transaction.
reasonCode	string	Optional	The bank specific reason code of this transaction. Reason codes are used to provide details about errors regarding direct debits.
purposeCode	string	Optional	The bank specific purpose code of this transaction. Purpose codes allow a user to classify payments by informing the bank about the purpose for the credit transfer, e.g. Salary, Savings, Rent, etc.
balanceAfterTransaction	decimal	Optional	The account balance after the transaction.
remittanceInfo	string	Optional	Structured remittance information refers to a set of predefined and standardized data fields included in a payment message, used to provide specific details about the transaction, such as invoice numbers, payment references, or other identifiers.
remittanceInfoType	string	Optional	The type of the structured remittance information (example: SCOR).
remittanceInfoIssuer	string	Optional	The identification of the issuer of the reference document type (example: ISO).

Fields per provider

The currently available fields and mappings from the raw PSD2 output is specified below per provider:

Bank / Provider	Transaction Type	Transaction Type Name	Reason Code	Purpose Code	Remittance Info	Remittance Info Type	Remittance Info Issuer	Transaction Date/Time
EnableNow Sandbox Bank	Not available	Not available	Not available	Not available	Not available	Not available	Not available	Date & time without fractional seconds
ABN AMRO	MutationCode	Not available	Not available	Not available	Not available	Not available	Not available	Date & time with fractional seconds
Rabobank	RaboDetailedTransactionType	RaboTransactionTypeName	ReasonCode	PurposeCode	remittanceInformationStructured	Not available	Not available	Date & time with fractional seconds
ING	Not available	TransactionType	Not available	Not available	remittanceInformationStructured.reference	remittanceInformationStructured.referenceType	remittanceInformationStructured.referenceIssuer	Date & time without fractional seconds
Knab	Not available	ProprietaryBankTransactionCode	Not available	Not available	remittanceInformationStructured	Not available	Not available	Date only
SNS Bank	BankTransactionCode	ProprietaryBankTransactionCode	ReturnInformationCode	PurposeCode	remittanceInformationStructured.reference	Not available	remittanceInformationStructured.referenceIssuer	Date only
ASN Bank	BankTransactionCode	ProprietaryBankTransactionCode	ReturnInformationCode	PurposeCode	remittanceInformationStructured.reference	Not available	remittanceInformationStructured.referenceIssuer	Date only
RegioBank	BankTransactionCode	ProprietaryBankTransactionCode	ReturnInformationCode	PurposeCode	remittanceInformationStructured.reference	Not available	remittanceInformationStructured.referenceIssuer	Date only
Bunq	SubType	Type	Not available	Not available	Not available	Not available	Not available	Date & time with fractional seconds
Van Lanschot	Not available	ProprietaryBankTransactionCode	Not available	Not available	Not available	Not available	Not available	Date & time with fractional seconds
Triodos	Not available	ProprietaryBankTransactionCode	Not available	Not available	Not available	Not available	Not available	Date only
Revolut	ProprietaryBankTransactionCode.Code	Not available	Not available	Not available	Not available	Not available	Not available	Date & time with fractional seconds