> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Account object

## The Account object

An `Account` represents a single bank account held by a user at a financial institution, including its type, holder, currency, and balance. It appears within the `accounts` array of a `Link` and reflects the data retrieved from the institution on the last refresh.

```json Account Object theme={null}
{
  "id": "acc_nMNejK7BT8oGbvO4",
  "object": "account",
  "balance": {
    "available": 500000,
    "current": 500000,
    "limit": 500000
  },
  "currency": "CLP",
  "holder_id": "111111111",
  "holder_name": "Jon Snow",
  "name": "Cuenta Corriente",
  "next_refresh": "2020-11-18T22:43:54.591Z",
  "number": "9530516286",
  "official_name": "Cuenta Corriente Moneda Local",
  "refresh_status": "refreshing",
  "refreshed_at": "2020-11-18T18:43:54.591Z",
  "removed_from_link": false,
  "type": "checking_account"
}
```

| Attribute           | Type      | Description                                                                                                              |
| :------------------ | :-------- | :----------------------------------------------------------------------------------------------------------------------- |
| `id`                | `string`  | Unique identifier for the Account                                                                                        |
| `object`            | `string`  | Identifier for the type of object. Its value for `Account` will always correspond to `account`                           |
| `balance`           | `object`  | Account balance                                                                                                          |
| `currency`          | `string`  | [Currency ISO code](https://www.iso.org/iso-4217-currency-codes.html)                                                    |
| `holder_id`         | `string`  | Account owner's tax ID. In Chile, this value is a Chilean tax ID (RUT). In Mexico, this value is a Mexican tax ID (RFC). |
| `holder_name`       | `string`  | Name of the owner of the account                                                                                         |
| `name`              | `string`  | Standardized name of the account                                                                                         |
| `next_refresh`      | `string`  | `Account`'s next update date using ISO 8601. If the account is removed, it will be `null`                                |
| `number`            | `string`  | Account number. Does not include hyphens nor prefixed zeros                                                              |
| `official_name`     | `string`  | Name of the account used by the institution                                                                              |
| `refresh_status`    | `string`  | Status of the `Account`. It can take the values: `starting`, `refreshing` or `interrupted`.                              |
| `refreshed_at`      | `string`  | `Account`'s last update date, using ISO 8601. If the account has never been updated, it will be `null`                   |
| `removed_from_link` | `boolean` | Is `true`when the `Account` has been removed from the `Link`. Else is `false`.                                           |
| `type`              | `string`  | Type of account. Learn more by looking at the available account types table below                                        |

### The Balance object

The `Balance` object holds the monetary amounts for an account. It appears in the `balance` field of the `Account` object.

| Attribute   | Type      | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
| :---------- | :-------- | :----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `available` | `integer` | Available amount in the account, according to the bank. When looking at accounts with types within `checking_account`, `savings_account`, `sight_account` and `rut_account`, the `available` attribute **does not** include the amount of money that the line of credit provides (if it exists). When looking at accounts with type `line_of_credit`, generally the `available` attribute value is equal to the limit of the line of credit, minus the accounting amount |
| `current`   | `integer` | Accounting amount of the Account                                                                                                                                                                                                                                                                                                                                                                                                                                         |
| `limit`     | `integer` | When looking at accounts with types within `checking_account`, `savings_account`, `sight_account` and `rut_account`, the `limit` attribute is equal to the available amount plus the amount available on the associated line of credit (if it exists). When looking at accounts with type `line_of_credit`, the `limit` attribute corresponds to the approved amount for that line of credit                                                                             |

<Warning>
  **Note**

  For **Santander** accounts with type `checking_account`, the used amount from the line of credit will be deducted from the available amount
</Warning>

## Account types

| Type               | Description      |
| :----------------- | :--------------- |
| `checking_account` | Checking account |
| `savings_account`  | Savings account  |
| `sight_account`    | Sight account    |
| `line_of_credit`   | Line of credit   |
| `credit_card`      | Credit card      |