Business Account Insight provides real‑time access to transaction data for business accounts. It is available to both third‑party providers and direct Rabobank customers.

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To receive instant notifications regarding changes to your account, you can integrate with the Account Notification Service

This API allows you or your clients (with Rabobank business payment and savings accounts) to receive account information, such as actual balances and transaction details through your application using Rabobank.

Using BAI, you can optimize the customer journey in your web service.

To know more read the manual that connects to your use case:

Relevant scope(s) for oauth2 access code flow

Scope name	Description
bai.accountinformation.read	Allow read from Business Account Insight services

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Make sure that you use the Authorization and Token URL as provided by the Authorization Services.

Rate Limiting

A default rate limit plan is set for all APIs. The rate limit can be shared or individual (defined per operation). The table below describes the rate limiting for this product.

Operation	Type	Limit (API calls / s)	Counts towards shared limit
`GET /accounts`	Shared	20	Yes
`GET /accounts/{account-id}`	Shared	20	Yes
`GET /accounts/{account-id}/balances`	Shared	20	Yes
`GET /accounts/{account-id}/transactions`	Shared	20	Yes
All (premium) Oauth calls	Shared	20	Yes

Accounts API

Requests

The GET accounts requests must contain a digital signature. You can generate this digital signature using the private key of your certificate. For the Sandbox environment, you can use an example certificate available in the Signing documentation.

To retrieve the list of connected accounts you can GET /accounts. To retrieve account details of a specific account using a GET /accounts/{account-id} request you use the account-id in the URL:

GET https://api-sandbox.rabobank.nl/openapi/sandbox/payments/insight/accounts/Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0

To view full list of GET parameters, go to:

GET /accounts
GET /accounts/{account-id}

Response

You can retrieve the connected accounts for account insight using a GET /accounts request.

To view the GET parameters, read the endpoint description for GET /accounts.

To view the expected errors, go to Errors BAI.

{
  "accounts": [
    {
      "_links": {
        "account": "/accounts/Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0",
        "balances": "/accounts/Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0/balances",
        "transactions": "/accounts/Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0/transactions"
      },
      "currency": "EUR",
      "iban": "NL52RABO0125618484",
      "name": "Some alias 1",
      "ownerName": "Some company 1",
      "resourceId": "Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0",
      "status": "enabled"
    },
    {
      "_links": {
        "account": "/accounts/hBS4MQ0Oc4LLJRiUiE_R94_-zoU4B2vwnPkXmsGh_bA",
        "balances": "/accounts/hBS4MQ0Oc4LLJRiUiE_R94_-zoU4B2vwnPkXmsGh_bA/balances",
        "transactions": "/accounts/hBS4MQ0Oc4LLJRiUiE_R94_-zoU4B2vwnPkXmsGh_bA/transactions"
      },
      "currency": "EUR",
      "iban": "NL80RABO1127000002",
      "name": "Some alias 2",
      "ownerName": "Some company 2",
      "resourceId": "hBS4MQ0Oc4LLJRiUiE_R94_-zoU4B2vwnPkXmsGh_bA",
      "status": "enabled"
    }
  ]
}

To view the GET parameters, read the endpoint description for GET/accounts/{account-id}.

{
    "_links": {
        "account": "/accounts/Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0",
        "balances": "/accounts/Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0/balances",
        "transactions": "/accounts/Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0/transactions"
    },
    "currency": "EUR",
    "iban": "NL52RABO0125618484",
    "name": "Some alias 1",
    "ownerName": "Some company 1",
    "resourceId": "Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0",
    "status": "enabled"
}

Account-id's present in the Sandbox environment:

IBAN	account-id
NL52RABO0125618484	Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0
NL80RABO1127000002	hBS4MQ0Oc4LLJRiUiE_R94_-zoU4B2vwnPkXmsGh_bA

Balances API

Requests

The GET balances requests must contain a digital signature. You can generate this digital signature using the private key of your certificate. For the Sandbox environment, you can use an example certificate available in the Signing documentation.

You can retrieve the balance of a specific account using a GET accounts/{account-id}/balances request using the account-id(s) in the URL:

GET https://api-sandbox.rabobank.nl/openapi/sandbox/payments/insight/accounts/Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0/balances

This returns the current expected and interimBooked balance, also the closingBooked balance from the day before.

Historical EODB balances of a specific account

To retrieve historical End Of Day Balance balances of a specific account, use closingBookedReferenceDate in the query param, as below:

GET https://api-sandbox.rabobank.nl/openapi/sandbox/payments/insight/accounts/Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0/balances?closingBookedReferenceDate=2024-10-30

📘
closingBookedReferenceDate must contain a date in the past up to 15 months.

This returns the requested closingBooked balance with the ReferenceDate, along with the current expected and interimBooked balance.

To view full list of GET parameters, go to:

GET /accounts/{account-id}/balances

Response

To view the GET parameters, read the endpoint description for GET /accounts/{account-id}/balances.

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The closingBooked balance is calculated in the first hour after midnight. During the calculation, the closingBooked balance is not available and only the expected balance is returned.

❗️
The interim booked balance is not available for savings accounts.

To view the expected errors, go to Errors BAI.

{
  "account": {
    "currency": "EUR",
    "iban": "NL52RABO0125618484"
  },
  "balances": [
    {
      "balanceAmount": {
        "amount": "10",
        "currency": "EUR"
      },
      "balanceType": "expected",
      "lastChangeDateTime": "2023-02-01T14:07:17.000Z"
    },
    {
      "balanceAmount": {
        "amount": "30",
        "currency": "EUR"
      },
      "balanceType": "closingBooked",
      "referenceDate": "2023-01-31"
    }
  ],
  "piggyBanks": [
    {
      "piggyBankName": "Car",
      "piggyBankBalance": "1200.00"
    },
    {
      "piggyBankName": "Vacation",
      "piggyBankBalance": "800.00"
    }
  ]
}

📘
To access piggy bank information, users must provide separate consent. When consent is given all existing savings piggy banks are returned in the response.
If there are no piggy banks related to the account, only the account balances are provided.

Account-id's present in the Sandbox environment:

IBAN	account-id
NL52RABO0125618484	Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0
NL80RABO1127000002	hBS4MQ0Oc4LLJRiUiE_R94_-zoU4B2vwnPkXmsGh_bA

Transactions API

Requests

The GET transactions requests must contain a digital signature. You can generate this digital signature using the private key of your certificate. For the Sandbox environment, you can use an example certificate available in the Signing documentation.

You can retrieve the transactions of a specific account using a GET accounts/{account-id}/transactions request using the account-id(s) in the URL:

GET <https://api-sandbox.rabobank.nl/openapi/sandbox/payments/insight/accounts/Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0/transactions?bookingStatus=Booked&dateFrom=2020-07-18T02:41:10.529Z&dateTo=2021-10-19T02:41:10.529Z&size=10>

DateTo - parameter

End Booking DateTime should be in UTC format.

📘
We recommend filling the dateTo value five minutes prior to the current date and time, because it takes some time for the transactions to be available in the system.

To view full list of GET parameters, go to:

GET/accounts/{account-id}/transactions

Search queries based on Last Transaction Timestamp

You can construct search queries using dateFrom and dateTo based on the timestamp of the last retrieved transaction, with dateFrom set to the previous transaction timestamp plus 1 nanosecond.

Here is an example:

Time	Search query	Last transaction has timestamp
08:00	dateFrom=2026-02-22T06:00:00:000001Z dateTo=2026-02-22T08:00:00:000000Z	07:00:00:000000
09:00	dateFrom=2026-02-22T07:00:00:000001Z dateTo=2026-02-22T09:00:00:000000Z	08:00:00:000000
10:00	dateFrom=2026-02-22T08:00:00:000001Z dateTo=2026-02-22T10:00:00:000000Z	09:15:00:000000
11:00	dateFrom=2026-02-22T09:15:00:000001Z dateTo=2026-02-22T11:00:00:000000Z	no new transaction
12:00	dateFrom=2026-02-22T09:15:00:000001Z dateTo=2026-02-22T12:00:00:000000Z	11:43:00:000000

Response

To view the GET parameters, read the endpoint description for GET/accounts/{account-id}/transactions.

To view the expected errors, go to Errors BAI.

{
    "account": {
        "currency": "EUR",
        "iban": "NL52RABO0125618484"
    },
    "transactions": {
        "_links": {
            "account": "/accounts/Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0",
            "next": "/accounts/Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0/transactions?bookingStatus=booked&dateFrom=2020-07-18T02:41:10.529Z&dateTo=2021-10-19T02:41:10.529Z&size=500&nextPageToken=ckP10o26_WXzc1YYMecNZvc71b1BIPVXKT8UhG4GMDShKA4i-hGdLJ2xTgZAnHUa"
        },
        "booked": [
            {
                "bookingDate": "2021-10-18",
                "creditorAccount": {
                    "currency": "EUR",
                    "iban": "NL52RABO0125618484"
                },
                "debtorAccount": {
                    "iban": "NL62RABO0838250920"
                },
                "debtorName": "Business ST A",
                "entryReference": "13140",
                "initiatingPartyName": "TRX ST",
                "raboBookingDateTime": "2021-10-18T14:21Z",
                "raboDetailedTransactionType": "633",
                "raboTransactionTypeName": "st",
                "reasonCode": "AG01",
                "remittanceInformationUnstructured": "Description ST 1",
                "transactionAmount": {
                    "value": "6000.0",
                    "currency": "EUR"
                },
                "valueDate": "2021-10-18",
                "balanceAfterBooking": {
                    "balanceType": "InterimBooked",
                    "balanceAmount": {
                        "value": "6082.17",
                        "currency": "EUR"
 
                    }
                }
            }
        ]
    }
}

❗️
The bookingDate and raboBookingDateTime are provided in GMT (UTC). When processing timestamps in UTC, ensure proper time zone conversion is applied.

Account-id's present in the Sandbox environment:

IBAN	account-id
NL52RABO0125618484	Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0
NL80RABO1127000002	hBS4MQ0Oc4LLJRiUiE_R94_-zoU4B2vwnPkXmsGh_bA

Scenario's for testing together with the Batch Transaction Details API present in the Sandbox environment:

IBAN	account-id	dateFrom	dateTo	batchEntryReference	NoOfTransactions
NL52RABO0125618484	Wp-xhZMGEWRIIgVjPwTC1aKJJ0VCRZ_4bScUVXof7e0	2025-07-01T00:00:00Z	2025-07-31T23:59:59Z	OM1B000000645366	250
NL80RABO1127000002	hBS4MQ0Oc4LLJRiUiE_R94_-zoU4B2vwnPkXmsGh_bA	2025-07-01T00:00:00Z	2025-07-31T23:59:59Z	OM1B000000645365	1500
NL80RABO1127000002	hBS4MQ0Oc4LLJRiUiE_R94_-zoU4B2vwnPkXmsGh_bA	2024-10-01T00:00:00Z	2024-10-30T23:59:59Z	OM1B000000645364	550