Expense Check

Track expenses and improve financial planning and budgeting

Introduction

Expense check API services allow businesses to track, analyze, and manage expenses. These APIs facilitate the automation of expense-related processes, enabling firms to streamline expense management and gain insights into their spending patterns.

Consent

User consent is the primary requirement to access any services in Open Banking. The user or account holder grants explicit consent to a Third-Party to access their financial data. This consent is given through a secure, multi-factor authentication process to verify the user's identity.

The consent request must include the following details:

EndpointuseCaseType Valuepermissions Value
/v1/api/observice/connectEXPENSECHECKReadAccountsBasic
ReadAccountsDetail
ReadBalances
ReadTransactionsBasic
ReadTransactionsCredits
ReadTransactionsDebits
ReadTransactionsDetail

Check Consent Management for more details to create, view, and revoke consents.

Get Expense Check Services

Endpoint details

Endpoint URLMethodAuthentication requirements
/v1/api/observice/allAccountsTransactionsPOST1/. clientId
2. clientCode
3. signature
4. Authorization Bearer: Token

Sample request

{
  "dateTimeStamp": "2024-12-31T10:40:00+02:00",
  "requestID": "df797efb-b588-4234-8ae1-5cb748559830",
  "merchantId": "APIS-300505",
  "insights": true,
  "expenseCheck" : true,
  "fromDate": "2016-01-01T10:40:00+02:00",
  "toDate": "2025-12-31T10:40:00+02:00",
  "timeline": "byDay",
  "banks": [
    {
      "code": "SAMA",
      "consentId":"urn:SAMA:kac-5a166b7d-8cdb-443a-a67a-80ad7a5b95b3"
    }
  ]
}

Request description

JSON TagDescriptionData type
DateTimeStamp
Mandatory
Stamp denoting the date and time of the request
ISO 8601 format - YYYY-MM-DDTHH:MM:SS
Date
RequestID
Mandatory
Unique request identification
UUID format
Alphanumeric
merchantId
Mandatory
Unique merchant identification
UUID format
Alphanumeric
insights
Mandatory
Insights tag to be denoted as trueBoolean
expenseCheck
Mandatory
Expense check service tag to be denoted as trueBoolean
fromDate
Mandatory
Initial date of transaction period
ISO 8601 format - YYYY-MM-DDTHH:MM:SS
Date
toDate
Mandatory
Final date of transaction period
ISO 8601 format - YYYY-MM-DDTHH:MM:SS
Date
timeline
Mandatory
Timeline classification tag to be denoted as By Month/By Week/By YearBoolean
banks
Mandatory
Array of banks and consentsObject
code
Mandatory
Unique bank identification codeAlphanumeric
consentId
Mandatory
Unique consent identificationString

Sample response

{
    "payload": {
        "success": true,
        "payload": [
            {
                "code": "SAMA",
                "consentId": "urn:SAMA:kac-2c361947-7f39-4841-b538-8b57c9d17e88",
                "data": {
                    "account": [
                        {
                            "accountId": "100004000000000000000002",
                            "accountHolderName": "Mitsuhirato",
                            "accountHolderShortName": "Mitsuhirato",
                            "status": "Active",
                            "currency": "SAR",
                            "nickname": "Mitsuhirato",
                            "accountType": "KSAOB.Retail",
                            "accountSubType": "CurrentAccount",
                            "accountIdentifiers": [
                                {
                                    "identificationType": "KSAOB.IBAN",
                                    "identification": "10000109010102",
                                    "name": "Luigi International"
                                },
                                {
                                    "identificationType": "KSAOB.IBAN",
                                    "identification": "10000109010102",
                                    "name": "Luigi International"
                                }
                            ],
                            "servicer": {
                                "identificationType": "KSAOB.BICFI",
                                "identification": "10000109010101"
                            },
                            "statusUpdateDateTime": "2023-02-01T16:37:00.980Z",
                            "description": "Account sub-type description",
                            "openingDate": "2022-04-08T16:37:00.980Z",
                            "maturityDate": "2023-11-29T16:37:00.980Z",
                            "transactions": [
                                {
                                    "transactionId": "e0e11370-eb2d-4694-8bed-571c7916b05e",
                                    "transactionDateTime": "2017-01-02T00:00:00.000Z",
                                    "transactionReference": "2662f41c-f4d6-4dbc-82ae-a7fd07d2a60e",
                                    "transactionType": "KSAOB.InternationalTransfer",
                                    "subTransactionType": "KSAOB.NotApplicable",
                                    "paymentModes": "KSAOB.Offline",
                                    "creditDebitIndicator": "KSAOB.Credit",
                                    "status": "KSAOB.Booked",
                                    "transactionMutability": "KSAOB.Mutable",
                                    "bookingDateTime": "2017-01-02T00:00:00.000Z",
                                    "valueDateTime": "2017-01-02T00:00:00.000Z",
                                    "amount": {
                                        "amount": "6.20",
                                        "currency": "SAR"
                                    },
                                    "chargeAmount": {
                                        "amount": "6.20",
                                        "currency": "SAR",
                                        "chargeIncluded": false
                                    },
                                    "balance": {
                                        "creditDebitIndicator": "KSAOB.Credit",
                                        "type": "KSAOB.ClosingAvailable",
                                        "amount": {
                                            "amount": "10.00",
                                            "currency": "SAR"
                                        }
                                    },
                                    "merchantDetails": {
                                        "merchantName": "merchantName",
                                        "merchantCategoryCode": "test",
                                        "merchantId": 1234
                                    },
                                    "localTimeZone": "UTC+03:00",
                                    "terminalId": 12345678,
                                    "chargeAmountVat": {
                                        "amount": "71.5806",
                                        "currency": "SAR"
                                    },
                                    "flags": [
                                        "KSAOB.Payroll"
                                    ],
                                    "cardInstrument": {
                                        "cardSchemeName": "KSAOB.AmericanExpress",
                                        "instrumentType": "KSAOB.ApplePay",
                                        "name": "test",
                                        "identification": "1234********4321"
                                    },
                                    "creditorAccount": [
                                        {}
                                    ],
                                    "debtorAccount": {
                                        "identificationType": "KSAOB.IBAN",
                                        "identification": "string",
                                        "name": "string"
                                    },
                                    "transactionInformation": "COSTA COFFEE",
                                    "bankTransactionCode": {
                                        "domain": "domain",
                                        "domainCode": "domainCode",
                                        "family": "family",
                                        "familyCode": "familyCode",
                                        "subFamily": "subFamily",
                                        "subFamilyCode": "subFamilyCode"
                                    },
                                    "proprietaryBankTransactionCode": {
                                        "code": "code",
                                        "issuer": "issuer"
                                    },
                                    "creditorAgent": {
                                        "identificationType": "KSAOB.BICFI",
                                        "identification": "KSAOB.BICFI",
                                        "postalAddress": {
                                            "addressType": "KSAOB.Business",
                                            "streetName": "streetName",
                                            "buildingNumber": "1234",
                                            "postalCode": "postCode",
                                            "city": "townName",
                                            "country": "SA",
                                            "shortAddress": "address",
                                            "unitNumber": 1234,
                                            "secondaryNumber": "1234",
                                            "district": "district"
                                        },
                                        "name": "Alf"
                                    },
                                    "debtorAgent": {
                                        "identificationType": "KSAOB.BICFI",
                                        "identification": "string",
                                        "postalAddress": {
                                            "addressType": "KSAOB.Business",
                                            "streetName": "streetName",
                                            "buildingNumber": "1234",
                                            "postalCode": "postCode",
                                            "city": "townName",
                                            "country": "SA",
                                            "shortAddress": "address",
                                            "unitNumber": 1234,
                                            "secondaryNumber": "1234",
                                            "district": "district"
                                        },
                                        "name": "string"
                                    },
                                    "billDetails": {
                                        "billerId": 100004,
                                        "billNumber": "1234",
                                        "billPaymentType": "KSAOB.Renewal"
                                    }
                                },
                                {
                                    "transactionId": "fdd8912a-d260-45a4-ba7c-cd8889955e82",
                                    "transactionDateTime": "2017-01-02T00:00:00.000Z",
                                    "transactionReference": "bf331590-a8c0-443e-a819-0c3bca28afaa",
                                    "transactionType": "KSAOB.InternationalTransfer",
                                    "subTransactionType": "KSAOB.WithdrawalReversal",
                                    "paymentModes": "KSAOB.Online",
                                    "creditDebitIndicator": "KSAOB.Credit",
                                    "status": "KSAOB.Booked",
                                    "transactionMutability": "KSAOB.Mutable",
                                    "bookingDateTime": "2017-01-02T00:00:00.000Z",
                                    "valueDateTime": "2017-01-02T00:00:00.000Z",
                                    "amount": {
                                        "amount": "723.10",
                                        "currency": "SAR"
                                    },
                                    "chargeAmount": {
                                        "amount": "723.10",
                                        "currency": "SAR",
                                        "chargeIncluded": false
                                    },
                                    "balance": {
                                        "creditDebitIndicator": "KSAOB.Credit",
                                        "type": "KSAOB.ClosingAvailable",
                                        "amount": {
                                            "amount": "10.00",
                                            "currency": "SAR"
                                        }
                                    },
                                    "merchantDetails": {
                                        "merchantName": "merchantName",
                                        "merchantCategoryCode": "test",
                                        "merchantId": 1234
                                    },
                                    "localTimeZone": "UTC+03:00",
                                    "terminalId": 12345678,
                                    "chargeAmountVat": {
                                        "amount": "71.5806",
                                        "currency": "SAR"
                                    },
                                    "flags": [
                                        "KSAOB.Payroll"
                                    ],
                                    "cardInstrument": {
                                        "cardSchemeName": "KSAOB.AmericanExpress",
                                        "instrumentType": "KSAOB.ApplePay",
                                        "name": "test",
                                        "identification": "1234********4321"
                                    },
                                    "creditorAccount": [
                                        {}
                                    ],
                                    "debtorAccount": {
                                        "identificationType": "KSAOB.IBAN",
                                        "identification": "string",
                                        "name": "string"
                                    },
                                    "transactionInformation": "INT'L 003243488 GITHUB.COM",
                                    "bankTransactionCode": {
                                        "domain": "domain",
                                        "domainCode": "domainCode",
                                        "family": "family",
                                        "familyCode": "familyCode",
                                        "subFamily": "subFamily",
                                        "subFamilyCode": "subFamilyCode"
                                    },
                                    "proprietaryBankTransactionCode": {
                                        "code": "code",
                                        "issuer": "issuer"
                                    },
                                    "creditorAgent": {
                                        "identificationType": "KSAOB.BICFI",
                                        "identification": "KSAOB.BICFI",
                                        "postalAddress": {
                                            "addressType": "KSAOB.Business",
                                            "streetName": "streetName",
                                            "buildingNumber": "1234",
                                            "postalCode": "postCode",
                                            "city": "townName",
                                            "country": "SA",
                                            "shortAddress": "address",
                                            "unitNumber": 1234,
                                            "secondaryNumber": "1234",
                                            "district": "district"
                                        },
                                        "name": "Alf"
                                    },
                                    "debtorAgent": {
                                        "identificationType": "KSAOB.BICFI",
                                        "identification": "string",
                                        "postalAddress": {
                                            "addressType": "KSAOB.Business",
                                            "streetName": "streetName",
                                            "buildingNumber": "1234",
                                            "postalCode": "postCode",
                                            "city": "townName",
                                            "country": "SA",
                                            "shortAddress": "address",
                                            "unitNumber": 1234,
                                            "secondaryNumber": "1234",
                                            "district": "district"
                                        },
                                        "name": "string"
                                    },
                                    "billDetails": {
                                        "billerId": 100004,
                                        "billNumber": "1234",
                                        "billPaymentType": "KSAOB.Renewal"
                                    }
                                },
                                {
                                    "transactionId": "dfafc02c-bada-4504-bb99-19f3f43a1bdf",
                                    "transactionDateTime": "2017-01-02T00:00:00.000Z",
                                    "transactionReference": "38ed322a-9a8e-485d-9f06-15eae153baa3",
                                    "transactionType": "KSAOB.Teller",
                                    "subTransactionType": "KSAOB.Deposit",
                                    "paymentModes": "KSAOB.Offline",
                                    "creditDebitIndicator": "KSAOB.Credit",
                                    "status": "KSAOB.Booked",
                                    "transactionMutability": "KSAOB.Mutable",
                                    "bookingDateTime": "2017-01-02T00:00:00.000Z",
                                    "valueDateTime": "2017-01-02T00:00:00.000Z",
                                    "amount": {
                                        "amount": "19.88",
                                        "currency": "SAR"
                                    },
                                    "chargeAmount": {
                                        "amount": "19.88",
                                        "currency": "SAR",
                                        "chargeIncluded": false
                                    },
                                    "balance": {
                                        "creditDebitIndicator": "KSAOB.Credit",
                                        "type": "KSAOB.ClosingAvailable",
                                        "amount": {
                                            "amount": "10.00",
                                            "currency": "SAR"
                                        }
                                    },
                                    "merchantDetails": {
                                        "merchantName": "merchantName",
                                        "merchantCategoryCode": "test",
                                        "merchantId": 1234
                                    },
                                    "localTimeZone": "UTC+03:00",
                                    "terminalId": 12345678,
                                    "chargeAmountVat": {
                                        "amount": "71.5806",
                                        "currency": "SAR"
                                    },
                                    "flags": [
                                        "KSAOB.StandingOrder"
                                    ],
                                    "cardInstrument": {
                                        "cardSchemeName": "KSAOB.AmericanExpress",
                                        "instrumentType": "KSAOB.ApplePay",
                                        "name": "test",
                                        "identification": "1234********4321"
                                    },
                                    "creditorAccount": [
                                        {}
                                    ],
                                    "debtorAccount": {
                                        "identificationType": "KSAOB.IBAN",
                                        "identification": "string",
                                        "name": "string"
                                    },
                                    "transactionInformation": "Non-Sterling Transaction Fee",
                                    "bankTransactionCode": {
                                        "domain": "domain",
                                        "domainCode": "domainCode",
                                        "family": "family",
                                        "familyCode": "familyCode",
                                        "subFamily": "subFamily",
                                        "subFamilyCode": "subFamilyCode"
                                    },
                                    "proprietaryBankTransactionCode": {
                                        "code": "code",
                                        "issuer": "issuer"
                                    },
                                    "creditorAgent": {
                                        "identificationType": "KSAOB.BICFI",
                                        "identification": "KSAOB.BICFI",
                                        "postalAddress": {
                                            "addressType": "KSAOB.Business",
                                            "streetName": "streetName",
                                            "buildingNumber": "1234",
                                            "postalCode": "postCode",
                                            "city": "townName",
                                            "country": "SA",
                                            "shortAddress": "address",
                                            "unitNumber": 1234,
                                            "secondaryNumber": "1234",
                                            "district": "district"
                                        },
                                        "name": "Alf"
                                    },
                                    "debtorAgent": {
                                        "identificationType": "KSAOB.BICFI",
                                        "identification": "string",
                                        "postalAddress": {
                                            "addressType": "KSAOB.Business",
                                            "streetName": "streetName",
                                            "buildingNumber": "1234",
                                            "postalCode": "postCode",
                                            "city": "townName",
                                            "country": "SA",
                                            "shortAddress": "address",
                                            "unitNumber": 1234,
                                            "secondaryNumber": "1234",
                                            "district": "district"
                                        },
                                        "name": "string"
                                    },
                                    "billDetails": {
                                        "billerId": 100004,
                                        "billNumber": "1234",
                                        "billPaymentType": "KSAOB.Renewal"
                                    }
                                },
                                {
                                    "transactionId": "239a81b6-55eb-46a9-b998-a450c99c0c8f",
                                    "transactionDateTime": "2017-01-02T00:00:00.000Z",
                                    "transactionReference": "7219dcf8-44eb-469c-b1d3-b4b92e4932e9",
                                    "transactionType": "KSAOB.LocalBankTransfer",
                                    "subTransactionType": "KSAOB.Reversal",
                                    "paymentModes": "KSAOB.Batch",
                                    "creditDebitIndicator": "KSAOB.Credit",
                                    "status": "KSAOB.Booked",
                                    "transactionMutability": "KSAOB.Mutable",
                                    "bookingDateTime": "2017-01-02T00:00:00.000Z",
                                    "valueDateTime": "2017-01-02T00:00:00.000Z",
                                    "amount": {
                                        "amount": "38.70",
                                        "currency": "SAR"
                                    },
                                    "chargeAmount": {
                                        "amount": "38.70",
                                        "currency": "SAR",
                                        "chargeIncluded": false
                                    },
                                    "balance": {
                                        "creditDebitIndicator": "KSAOB.Credit",
                                        "type": "KSAOB.ClosingAvailable",
                                        "amount": {
                                            "amount": "10.00",
                                            "currency": "SAR"
                                        }
                                    },
                                    "merchantDetails": {
                                        "merchantName": "merchantName",
                                        "merchantCategoryCode": "test",
                                        "merchantId": 1234
                                    },
                                    "localTimeZone": "UTC+03:00",
                                    "terminalId": 12345678,
                                    "chargeAmountVat": {
                                        "amount": "71.5806",
                                        "currency": "SAR"
                                    },
                                    "flags": [
                                        "KSAOB.Payroll"
                                    ],
                                    "cardInstrument": {
                                        "cardSchemeName": "KSAOB.AmericanExpress",
                                        "instrumentType": "KSAOB.ApplePay",
                                        "name": "test",
                                        "identification": "1234********4321"
                                    },
                                    "creditorAccount": [
                                        {}
                                    ],
                                    "debtorAccount": {
                                        "identificationType": "KSAOB.IBAN",
                                        "identification": "string",
                                        "name": "string"
                                    },
                                    "transactionInformation": "TFL.GOV.UK/CP TFL TRAVEL CH",
                                    "bankTransactionCode": {
                                        "domain": "domain",
                                        "domainCode": "domainCode",
                                        "family": "family",
                                        "familyCode": "familyCode",
                                        "subFamily": "subFamily",
                                        "subFamilyCode": "subFamilyCode"
                                    },
                                    "proprietaryBankTransactionCode": {
                                        "code": "code",
                                        "issuer": "issuer"
                                    },
                                    "creditorAgent": {
                                        "identificationType": "KSAOB.BICFI",
                                        "identification": "KSAOB.BICFI",
                                        "postalAddress": {
                                            "addressType": "KSAOB.Business",
                                            "streetName": "streetName",
                                            "buildingNumber": "1234",
                                            "postalCode": "postCode",
                                            "city": "townName",
                                            "country": "SA",
                                            "shortAddress": "address",
                                            "unitNumber": 1234,
                                            "secondaryNumber": "1234",
                                            "district": "district"
                                        },
                                        "name": "Alf"
                                    },
                                    "debtorAgent": {
                                        "identificationType": "KSAOB.BICFI",
                                        "identification": "string",
                                        "postalAddress": {
                                            "addressType": "KSAOB.Business",
                                            "streetName": "streetName",
                                            "buildingNumber": "1234",
                                            "postalCode": "postCode",
                                            "city": "townName",
                                            "country": "SA",
                                            "shortAddress": "address",
                                            "unitNumber": 1234,
                                            "secondaryNumber": "1234",
                                            "district": "district"
                                        },
                                        "name": "string"
                                    },
                                    "billDetails": {
                                        "billerId": 100004,
                                        "billNumber": "1234",
                                        "billPaymentType": "KSAOB.Renewal"
                                    }
                                },
                                {
                                    "transactionId": "c5afd419-3c2a-4e43-b037-c57d572e46fe",
                                    "transactionDateTime": "2017-01-02T00:00:00.000Z",
                                    "transactionReference": "c8b39673-8995-4104-8aa5-c3c199955824",
                                    "transactionType": "KSAOB.Teller",
                                    "subTransactionType": "KSAOB.DepositReversal",
                                    "paymentModes": "KSAOB.Offline",
                                    "creditDebitIndicator": "KSAOB.Credit",
                                    "status": "KSAOB.Booked",
                                    "transactionMutability": "KSAOB.Mutable",
                                    "bookingDateTime": "2017-01-02T00:00:00.000Z",
                                    "valueDateTime": "2017-01-02T00:00:00.000Z",
                                    "amount": {
                                        "amount": "452.00",
                                        "currency": "SAR"
                                    },
                                    "chargeAmount": {
                                        "amount": "452.00",
                                        "currency": "SAR",
                                        "chargeIncluded": false
                                    },
                                    "balance": {
                                        "creditDebitIndicator": "KSAOB.Credit",
                                        "type": "KSAOB.ClosingAvailable",
                                        "amount": {
                                            "amount": "10.00",
                                            "currency": "SAR"
                                        }
                                    },
                                    "merchantDetails": {
                                        "merchantName": "merchantName",
                                        "merchantCategoryCode": "test",
                                        "merchantId": 1234
                                    },
                                    "localTimeZone": "UTC+03:00",
                                    "terminalId": 12345678,
                                    "chargeAmountVat": {
                                        "amount": "71.5806",
                                        "currency": "SAR"
                                    },
                                    "flags": [
                                        "KSAOB.Cashback"
                                    ],
                                    "cardInstrument": {
                                        "cardSchemeName": "KSAOB.AmericanExpress",
                                        "instrumentType": "KSAOB.ApplePay",
                                        "name": "test",
                                        "identification": "1234********4321"
                                    },
                                    "creditorAccount": [
                                        {}
                                    ],
                                    "debtorAccount": {
                                        "identificationType": "KSAOB.IBAN",
                                        "identification": "string",
                                        "name": "string"
                                    },
                                    "transactionInformation": "SOME DESIGN LIMITED",
                                    "bankTransactionCode": {
                                        "domain": "domain",
                                        "domainCode": "domainCode",
                                        "family": "family",
                                        "familyCode": "familyCode",
                                        "subFamily": "subFamily",
                                        "subFamilyCode": "subFamilyCode"
                                    },
                                    "proprietaryBankTransactionCode": {
                                        "code": "code",
                                        "issuer": "issuer"
                                    },
                                    "creditorAgent": {
                                        "identificationType": "KSAOB.BICFI",
                                        "identification": "KSAOB.BICFI",
                                        "postalAddress": {
                                            "addressType": "KSAOB.Business",
                                            "streetName": "streetName",
                                            "buildingNumber": "1234",
                                            "postalCode": "postCode",
                                            "city": "townName",
                                            "country": "SA",
                                            "shortAddress": "address",
                                            "unitNumber": 1234,
                                            "secondaryNumber": "1234",
                                            "district": "district"
                                        },
                                        "name": "Alf"
                                    },
                                    "debtorAgent": {
                                        "identificationType": "KSAOB.BICFI",
                                        "identification": "string",
                                        "postalAddress": {
                                            "addressType": "KSAOB.Business",
                                            "streetName": "streetName",
                                            "buildingNumber": "1234",
                                            "postalCode": "postCode",
                                            "city": "townName",
                                            "country": "SA",
                                            "shortAddress": "address",
                                            "unitNumber": 1234,
                                            "secondaryNumber": "1234",
                                            "district": "district"
                                        },
                                        "name": "string"
                                    },
                                    "billDetails": {
                                        "billerId": 100004,
                                        "billNumber": "1234",
                                        "billPaymentType": "KSAOB.Renewal"
                                    }
                                },
                                {
                                    "transactionId": "ece1518f-d1f1-4961-94b3-c494d9e12803",
                                    "transactionDateTime": "2017-01-03T00:00:00.000Z",
                                    "transactionReference": "7fe5615b-c5a2-46f0-a16e-f9dc758aa5e4",
                                    "transactionType": "KSAOB.BillPayments",
                                    "subTransactionType": "KSAOB.NotApplicable",
                                    "paymentModes": "KSAOB.Offline",
                                    "creditDebitIndicator": "KSAOB.Credit",
                                    "status": "KSAOB.Booked",
                                    "transactionMutability": "KSAOB.Mutable",
                                    "bookingDateTime": "2017-01-03T00:00:00.000Z",
                                    "valueDateTime": "2017-01-03T00:00:00.000Z",
                                    "amount": {
                                        "amount": "56.66",
                                        "currency": "SAR"
                                    },
                                    "chargeAmount": {
                                        "amount": "56.66",
                                        "currency": "SAR",
                                        "chargeIncluded": false
                                    },
                                    "balance": {
                                        "creditDebitIndicator": "KSAOB.Credit",
                                        "type": "KSAOB.ClosingAvailable",
                                        "amount": {
                                            "amount": "10.00",
                                            "currency": "SAR"
                                        }
                                    },
                                    "merchantDetails": {
                                        "merchantName": "merchantName",
                                        "merchantCategoryCode": "test",
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                                    "flags": [],
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                                        "subFamilyCode": "subFamilyCode"
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                                            "shortAddress": "address",
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                                            "district": "district"
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                            "date": "2024 02 03",
                            "count": 0,
                            "amount": 0,
                            "currency": "SAR"
                        },
                        {
                            "date": "2024 03 03",
                            "count": 0,
                            "amount": 0,
                            "currency": "SAR"
                        },
                        {
                            "date": "2025 01 03",
                            "count": 9,
                            "amount": 18856,
                            "currency": "SAR"
                        },
                        {
                            "date": "2024 09 03",
                            "count": 3,
                            "amount": 4931,
                            "currency": "SAR"
                        },
                        {
                            "date": "2024 08 03",
                            "count": 4,
                            "amount": 8508,
                            "currency": "SAR"
                        },
                        {
                            "date": "2024 03 03",
                            "count": 5,
                            "amount": 11473,
                            "currency": "SAR"
                        },
                        {
                            "date": "2024 04 03",
                            "count": 7,
                            "amount": 11232,
                            "currency": "SAR"
                        },
                        {
                            "date": "2024 07 03",
                            "count": 7,
                            "amount": 14552,
                            "currency": "SAR"
                        },
                        {
                            "date": "2024 05 03",
                            "count": 8,
                            "amount": 21255,
                            "currency": "SAR"
                        },
                        {
                            "date": "2024 06 03",
                            "count": 4,
                            "amount": 8557,
                            "currency": "SAR"
                        },
                        {
                            "date": "2024 12 03",
                            "count": 5,
                            "amount": 13303,
                            "currency": "SAR"
                        },
                        {
                            "date": "2024 10 03",
                            "count": 5,
                            "amount": 8831,
                            "currency": "SAR"
                        },
                        {
                            "date": "2024 02 03",
                            "count": 5,
                            "amount": 4323,
                            "currency": "SAR"
                        },
                        {
                            "date": "2024 11 03",
                            "count": 5,
                            "amount": 9602,
                            "currency": "SAR"
                        }
                    ],
                    "cashInCategories": [
                        {
                            "category": "KSAOB.InternationalTransfer",
                            "count": 5,
                            "amount": 804.9600000000002,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.Teller",
                            "count": 8,
                            "amount": 3223.6000000000004,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.LocalBankTransfer",
                            "count": 22,
                            "amount": 33896.3,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.BillPayments",
                            "count": 2,
                            "amount": 81.57,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.POS",
                            "count": 3,
                            "amount": 25.52,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.SameBankTransfer",
                            "count": 3,
                            "amount": 160.09000000000003,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.ECommerce",
                            "count": 1,
                            "amount": 48.9,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.ATM",
                            "count": 1,
                            "amount": 1.34,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.BillPayments",
                            "count": 1,
                            "amount": 6.2,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.ATM",
                            "count": 4,
                            "amount": 752.13,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.InternationalTransfer",
                            "count": 6,
                            "amount": 314.88,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.POS",
                            "count": 1,
                            "amount": 452,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.LocalBankTransfer",
                            "count": 27,
                            "amount": 36565.45,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.ECommerce",
                            "count": 2,
                            "amount": 10.719999999999999,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.SameBankTransfer",
                            "count": 3,
                            "amount": 127.7,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.Teller",
                            "count": 1,
                            "amount": 13.2,
                            "currency": "SAR"
                        }
                    ],
                    "cashOutCategories": [
                        {
                            "category": "KSAOB.POS",
                            "count": 27,
                            "amount": 54104,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.ECommerce",
                            "count": 3,
                            "amount": 4268,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.LocalBankTransfer",
                            "count": 30,
                            "amount": 57549,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.SameBankTransfer",
                            "count": 7,
                            "amount": 19502,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.POS",
                            "count": 27,
                            "amount": 54104,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.ECommerce",
                            "count": 3,
                            "amount": 4268,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.LocalBankTransfer",
                            "count": 30,
                            "amount": 57549,
                            "currency": "SAR"
                        },
                        {
                            "category": "KSAOB.SameBankTransfer",
                            "count": 7,
                            "amount": 19502,
                            "currency": "SAR"
                        }
                    ],
                    "bankCode": "SAMA"
                }
            }
        ],
        "expenseCheck": {
            "expenseScorePc": {
                "score": 0,
                "applicantType": "Reject",
                "creditLendRisk": "Very High",
                "description": "Payment behaviour is erratic and not consistent",
                "rankedPositiveAttributeList": [],
                "rankedNegativeAttributeList": [
                    {
                        "rankingValue": 0,
                        "ranking": "NEGATIVE",
                        "attributeDetails": "Consistency of Payments Obligations - Telecoms",
                        "value": 0,
                        "rank": 1,
                        "tie": true
                    },
                    {
                        "rankingValue": 0,
                        "ranking": "NEGATIVE",
                        "attributeDetails": "Consistency of Payments Obligations - Subscriptions",
                        "percentage": 0,
                        "rank": 1,
                        "tie": true
                    },
                    {
                        "rankingValue": 1.25,
                        "ranking": "NEGATIVE",
                        "attributeDetails": "Consistency of payment date - On or around say day each month ",
                        "value": 7.8991596638655475,
                        "rank": 3,
                        "tie": true
                    },
                    {
                        "rankingValue": 1.25,
                        "ranking": "NEGATIVE",
                        "attributeDetails": "Consistency of Payments Obligations - Utilities",
                        "value": 15.126050420168067,
                        "rank": 3,
                        "tie": true
                    },
                    {
                        "rankingValue": 1.25,
                        "ranking": "NEGATIVE",
                        "attributeDetails": "Consistency of Payments Obligations - Mortgage/Rent",
                        "value": 12.605042016806722,
                        "rank": 3,
                        "tie": true
                    },
                    {
                        "rankingValue": 1.25,
                        "ranking": "NEGATIVE",
                        "attributeDetails": "Consistency of Payments Obligations - Debt (Loans, Car Finance, Credit Cards)",
                        "percentage": 15.126050420168067,
                        "rank": 3,
                        "tie": true
                    }
                ],
                "percentage": 0
            },
            "expenseScoreAc": {
                "score": 3,
                "applicantType": "Subprime",
                "creditLendRisk": "Moderate",
                "description": "Average monthly payment amount is often consistent",
                "rankedPositiveAttributeList": [
                    {
                        "rankingValue": 5,
                        "ranking": "POSITIVE",
                        "attributeDetails": "Month on month increase - Telecoms",
                        "value": 0,
                        "rank": 1,
                        "tie": true
                    },
                    {
                        "rankingValue": 5,
                        "ranking": "POSITIVE",
                        "attributeDetails": "Month on month increase - Utilities",
                        "value": 0,
                        "rank": 1,
                        "tie": true
                    },
                    {
                        "rankingValue": 5,
                        "ranking": "POSITIVE",
                        "attributeDetails": "Month on month increase - Mortgage/Rent",
                        "value": 0,
                        "rank": 1,
                        "tie": true
                    },
                    {
                        "rankingValue": 5,
                        "ranking": "POSITIVE",
                        "attributeDetails": "Month on month increase - Debt (Loans, Car Finance, Credit Cards)",
                        "percentage": 0,
                        "rank": 1,
                        "tie": true
                    },
                    {
                        "rankingValue": 5,
                        "ranking": "POSITIVE",
                        "attributeDetails": "Month on month increase - Subscriptions",
                        "percentage": 0,
                        "rank": 1,
                        "tie": true
                    }
                ],
                "rankedNegativeAttributeList": [],
                "percentage": 30
            },
            "periodOfMonths": 119,
            "eachMonthEssentials": [
                {
                    "month": "Jan 25",
                    "amount": 0
                },
                {
                    "month": "Dec 24",
                    "amount": 0
                },
                {
                    "month": "Nov 24",
                    "amount": 0
                },
                {
                    "month": "Oct 24",
                    "amount": 0
                },
                {
                    "month": "Sep 24",
                    "amount": 0
                },
                {
                    "month": "Aug 24",
                    "amount": 0
                },
                {
                    "month": "Jul 24",
                    "amount": 7770
                },
                {
                    "month": "Jun 24",
                    "amount": 0
                },
                {
                    "month": "May 24",
                    "amount": 11250
                },
                {
                    "month": "Apr 24",
                    "amount": 0
                },
                {
                    "month": "Feb 24",
                    "amount": 0
                },
                {
                    "month": "Mar 24",
                    "amount": 0
                },
                {
                    "month": "Jan 17",
                    "amount": 0
                }
            ],
            "eachMonthExpense": [
                {
                    "month": "Jan 25",
                    "amount": 56568
                },
                {
                    "month": "Dec 24",
                    "amount": 39909
                },
                {
                    "month": "Nov 24",
                    "amount": 28806
                },
                {
                    "month": "Oct 24",
                    "amount": 26493
                },
                {
                    "month": "Sep 24",
                    "amount": 14793
                },
                {
                    "month": "Aug 24",
                    "amount": 25524
                },
                {
                    "month": "Jul 24",
                    "amount": 43656
                },
                {
                    "month": "Jun 24",
                    "amount": 25671
                },
                {
                    "month": "May 24",
                    "amount": 63765
                },
                {
                    "month": "Apr 24",
                    "amount": 33696
                },
                {
                    "month": "Feb 24",
                    "amount": 12969
                },
                {
                    "month": "Mar 24",
                    "amount": 34419
                },
                {
                    "month": "Jan 17",
                    "amount": 0
                }
            ],
            "eachMonthNonEssentials": [
                {
                    "month": "Jan 25",
                    "amount": 0
                },
                {
                    "month": "Dec 24",
                    "amount": 0
                },
                {
                    "month": "Nov 24",
                    "amount": 0
                },
                {
                    "month": "Oct 24",
                    "amount": 0
                },
                {
                    "month": "Sep 24",
                    "amount": 0
                },
                {
                    "month": "Aug 24",
                    "amount": 0
                },
                {
                    "month": "Jul 24",
                    "amount": 0
                },
                {
                    "month": "Jun 24",
                    "amount": 0
                },
                {
                    "month": "May 24",
                    "amount": 0
                },
                {
                    "month": "Apr 24",
                    "amount": 0
                },
                {
                    "month": "Feb 24",
                    "amount": 0
                },
                {
                    "month": "Mar 24",
                    "amount": 0
                },
                {
                    "month": "Jan 17",
                    "amount": 0
                }
            ],
            "expenseAnalysis": [
                {
                    "month": "Jan 25",
                    "data": {
                        "essentials": 0,
                        "nonEssentials": 0
                    }
                },
                {
                    "month": "Dec 24",
                    "data": {
                        "essentials": 0,
                        "nonEssentials": 0
                    }
                },
                {
                    "month": "Nov 24",
                    "data": {
                        "essentials": 0,
                        "nonEssentials": 0
                    }
                },
                {
                    "month": "Oct 24",
                    "data": {
                        "essentials": 0,
                        "nonEssentials": 0
                    }
                },
                {
                    "month": "Sep 24",
                    "data": {
                        "essentials": 0,
                        "nonEssentials": 0
                    }
                },
                {
                    "month": "Aug 24",
                    "data": {
                        "essentials": 0,
                        "nonEssentials": 0
                    }
                },
                {
                    "month": "Jul 24",
                    "data": {
                        "essentials": 7770,
                        "nonEssentials": 0
                    }
                },
                {
                    "month": "Jun 24",
                    "data": {
                        "essentials": 0,
                        "nonEssentials": 0
                    }
                },
                {
                    "month": "May 24",
                    "data": {
                        "essentials": 11250,
                        "nonEssentials": 0
                    }
                },
                {
                    "month": "Apr 24",
                    "data": {
                        "essentials": 0,
                        "nonEssentials": 0
                    }
                },
                {
                    "month": "Mar 24",
                    "data": {
                        "essentials": 0,
                        "nonEssentials": 0
                    }
                },
                {
                    "month": "Feb 24",
                    "data": {
                        "essentials": 0,
                        "nonEssentials": 0
                    }
                },
                {
                    "month": "Jan 17",
                    "data": {
                        "essentials": 0,
                        "nonEssentials": 0
                    }
                }
            ],
            "currency": "SAR",
            "noOfAccounts": 2,
            "avgValues": {
                "highestValue": {
                    "obj": "Debt (Loans, Car Finance, Credit Cards)",
                    "amount": 53820
                },
                "lowestValue": {
                    "obj": "Subscriptions",
                    "amount": 0
                },
                "avgValue": 3414.03
            },
            "essentialAvg": {
                "highestValue": {
                    "month": "May 24",
                    "amount": 11250
                },
                "lowestValue": {
                    "month": "Jan 25",
                    "amount": 0
                },
                "avgValue": 1463.08
            },
            "nonEssentialAvg": {
                "highestValue": {
                    "month": "Jan 25",
                    "amount": 0
                },
                "lowestValue": {
                    "month": "Jan 25",
                    "amount": 0
                },
                "avgValue": 0
            },
            "totalExpense": {
                "totalExpense": 406269,
                "essentials": {
                    "mortgageRent": 37386,
                    "debtLoansCarFinanceCreditCards": 53820,
                    "telecoms": 0,
                    "utilities": 17955
                },
                "nonEssentials": {
                    "subscription": 0,
                    "utilities": 19860
                }
            },
            "expenseFrequency": {
                "essentials": {
                    "one": 19020,
                    "eight": 0,
                    "sixteen": 0,
                    "twentyFour": 0
                },
                "nonEssentials": {
                    "one": 0,
                    "eight": 0,
                    "sixteen": 0,
                    "twentyFour": 0
                }
            }
        },
        "banksDetail": [
            {
                "bankName": "Saudi Central Bank",
                "bankCode": "SAMA",
                "logo": "/images/file-1658816552246-SAMA_logo_en.png",
                "imageUrl": "https://uatimages.onesingleview.com",
                "thumbnail": "/images/file-1658816552246-253222.png"
            }
        ]
    }
}

Response description

JSON TagDescription
successProcess success status represented as True or False
payloadPayload tag carrying response information
codeUnique bank code identification
dataTag carrying accounts and transactions data included in the response
accountIdUnique account identification
accountHolderNameName of the account holder
accountHolderShortNameShort name of the account holder
statusStatus of the account
currencyDefault currency of the account
nicknameNickname of the account
accountTypeDetails of account type
accountSubTypeDetails of account sub-type
accountIdentifiersTag carrying account identifiers details
identificationTypeAccount identification type details
identificationAccount identification details
nameName of the account identifier
servicerTag carrying account servicer details
identificationTypeServicer identification type details
identificationServicer identification details
statusUpdateDateTimeLast time and date of update for account information
descriptionDescription of the update
openingDateOpening date of the account
maturityDateMaturity date of the account
transactionsTag carrying account transactions information
transactionIdUnique transaction identification
transactionDateTimeTime and date of the transaction executed
transactionReferenceUnique transaction reference details
transactionTypeType of transaction
subTransactionTypeSub-type of the transaction
paymentModesMode of the payment
creditDebitIndicatorCredit or debit indicator for the transaction
statusStatus of the transaction
transactionMutabilityMutability factor of the transaction
bookingDateTimeDate and time of booking the transaction
valueDateTimeDate and time of transaction value
amountTag carrying transaction amount information
amountTransaction amount
currencyDefault currency of the account in which the transaction amount is indicated
chargeAmountTag carrying transaction charges information
amountTotal amount charged for the transaction
currencyDefault currency of account in which the transaction charge amount is indicated
chargeIncludedIndicates if the charge amount is included in transaction amount as true or false
balanceBalance info after the transaction
creditDebitIndicatorIndicates whether the balance is a credit or a debit balance
typeIndicator type details
amountTag carrying balance amount information
amountAvailable amount balance
currencyCurrency in which the balance is indicated
merchantDetailsTag carrying merchant details
merchantNameName of the merchant
merchantCategoryCodeAssigned merchant category code
merchantIdUnique merchant identification
localTimeZoneLocal time zone information
terminalIdUnique terminal identification
chargeAmountVatTag carrying VAT amount charges and details
amountVAT amount charged
currencyCurrency of VAT amount charged indicated
flagsTag carrying flags as array of strings
cardInstrumentTag carrying card details
cardSchemeNameScheme name description of the card
instrumentTypeType of instrument used for the card payment
nameName on the card
identificationUnique card identification
creditorAccountTag carrying creditor account information
debtorAccountTag carrying debtor account information
identificationTypeType of identification of the account
identificationAccount identification details
nameName of the account holder
transactionInformationDetails of the transaction information
bankTransactionCodeTag carrying transaction bank codes
domainDomain details
domainCodeDomain code
familyDomain family details
familyCodeDomain family code
subFamilyDomain sub-family details
subFamilyCodeDomain sub-family code
proprietaryBankTransactionCodeTag representing proprietary bank transaction code and details
codeUnique proprietary transaction code
issuerName of the issuer of the code
creditorAgentTag carrying creditor agent information
debtorAgentTag carrying debtor agent information
identificationTypeType of identification of the creditor/debtor account
identificationUnique identification details of the creditor/debtor account
postalAddressPostal address of the creditor/debtor account
addressTypeAddress type on the creditor/debtor account
streetNameStreet name on the creditor/debtor account
buildingNumberBuilding number of the creditor/debtor account
postalCodePostal code on the creditor/debtor
cityCity of the creditor/debtor
countryCountry of the creditor/debtor
shortAddressShort address of the creditor/debtor
unitNumberUnit number of the creditor/debtor
secondaryNumberSecondary number of the creditor/debtor
districtDistrict of the creditor/debtor
nameName of the creditor/debtor
billDetailsTag carrying bill details
billerIdUnique biller identification
billNumberBill number
billPaymentTypePayment type for the bill
linksRedirect link
selfOwn link/URL details
metaMeta tag
totalPagesInformation displayed in terms of pages
insightsTag carrying information on insights
startDateInitial date of insight period
endDateFinal date of insight period
currencyDefault currency of the insights
cashOutTag carrying information on cash-out
amountAmount of total cash-out during insight period
currencyCurrency representing the amount
countTotal count of cash-out transactions
yesterDayCashOutTag representing yesterday's cash-out
amountAmount of total yesterday's cash-out
currencyCurrency representing the cash-out
countTotal count of yesterday's cash-out
cashOutTimeLineTag carrying information on cash-out timeline
dateDate and month of cash-out analysis
countCount of cash-out during the month
amountAmount of cash-out during the month
currencyCurrency of cash-out
cashOutCategoriesTag carrying information on cash-out categories
categoryCategory of cash-out
countCount of transactions for cash-out category
amountAmount of transactions for cash-out category
currencyCurrency of amount representation
bankCodeUnique bank code identification
overAllTxnsTag carrying information on overall transactions included in the response
cashOutTag carrying information on total cash-out in the response
countCount of total cash-outs
amountAmount of total cash-outs
currencyCurrency of amount representation
cashOutCategoriesTag carrying information on cash-out categories
nameName of the category
countCount of cash-out category transactions
amountTotal amount of cash-out category
percentagePercentage of category towards overall categories
currencyCurrency of the category
cashOutTimeLineTag carrying information on cash-out timeline
dateDate in cash-out timeline
countCount of cash-out transactions on the date
amountAmount of total cash-outs on the date
currencyCurrency of representation of cash-out amount
yesterDayCashOutTag representing yesterday's cash-outs
countCount of yesterday's cash-outs
amountAmount of total cash-outs occurred yesterday
currencyCurrency of amount representation