Fetching the generated risk report
Fetch the risk report with further data about the selected account for making the payment
Requirements
Fetch the generated risk report after the Verify and Pay flow. Regardless of whether the verification succeeded or failed, the report will be available via the ID provided in the response to the flow's
original request. This identifier can also be retrieved from the flow_id query parameter in the callback URL.
GET https://api.finx-s.qwist.cloud/artifacts/{id}?artifact_type=risk-report
Authorization: Basic {Base64(clientId:clientSecret)}Response
{
"id": "9718e1f1-6724-49a2-91fc-6022a01e944b",
"created_at": "2026-07-03T13:11:34.617451+00:00",
"type": "risk-report",
"raw_result": {
"timespan": {
"start": "2025-07-03",
"end": "2026-07-03"
},
"accounts": [
{
"id": 1,
"iban": "DE82900948150000004530",
"name": "Girokonto",
"currency": "EUR",
"running_balance": {
"average_30_days": 65761.17,
"average_90_days": 63572.37,
"average_180_days": 60318.71,
"days_in_overdraft": 0
},
"type": "GIRO",
"is_main_account": true,
"owners": [
"Hans Qwister"
],
"last_transaction_on": "2026-07-03",
"provided_name": "Hans"
}
],
"income": {
"overall": {
"streams": [
{
"count": 13,
"total": 53500.00,
"min": 100.00,
"max": 4450.00,
"average": 4458.33,
"first_booked_on": "2025-07-28",
"last_booked_on": "2026-06-30",
"children": [
{
"count": 12,
"total": 53400.00,
"min": 4450.00,
"max": 4450.00,
"average": 4450.00,
"first_booked_on": "2025-07-28",
"last_booked_on": "2026-06-30",
"children": [],
"category": {
"id": 17,
"localized_names": {
"en": "Wage / Salary",
"de": "Lohn / Gehalt",
"es": "Salario / Sueldo",
"pt": "Salário",
"sa": "الأجور والرواتب",
"fr": "Salaire / Traitement",
"it": "Salario / Stipendio",
"nl": "Loon / Salaris",
"be": "Loon / Salaris",
"da": "Løn / Gage",
"fi": "Palkka",
"sv": "Lön / Lön",
"no": "Lønn / Lønn"
}
}
}
],
"category": {
"id": 11,
"localized_names": {
"en": "Income / Revenue",
"de": "Einkommen",
"es": "Ingresos",
"pt": "Rendimento",
"sa": "دخل شخصي / إيرادات",
"fr": "Revenus",
"it": "Redditi",
"nl": "Inkomen",
"be": "Inkomsten",
"da": "Indkomst",
"fi": "Tulot",
"sv": "Inkomst / Intäkter",
"no": "Inntekt / Inntekt"
}
}
},
{
"count": 24,
"total": 6000.00,
"min": 250.00,
"max": 250.00,
"average": 500.00,
"first_booked_on": "2025-07-15",
"last_booked_on": "2026-07-02",
"children": [
{
"count": 24,
"total": 6000.00,
"min": 250.00,
"max": 250.00,
"average": 500.00,
"first_booked_on": "2025-07-15",
"last_booked_on": "2026-07-02",
"children": [],
"category": {
"id": 16,
"localized_names": {
"en": "Child benefits",
"de": "Kindergeld",
"es": "Prestación por hijos",
"pt": "Abono de família",
"sa": "بدلات الأطفال",
"fr": "Allocation familiale",
"it": "Assegno familiare",
"nl": "Kinderbijslag",
"be": "Kinderbijslag",
"da": "Børnecheck",
"fi": "Lapsilisä",
"sv": "Barnbidrag",
"no": "Barnetrygd"
}
}
}
],
"category": {
"id": 200,
"localized_names": {
"en": "Benefits",
"de": "Unterstützungsleistungen",
"es": "Prestaciones",
"pt": "Subsídios",
"sa": "إعانات",
"fr": "Prestations d'aide sociale",
"it": "Prestazioni di sostegno",
"nl": "Uitkeringen",
"be": "Uitkeringen",
"da": "Støtteydelser",
"fi": "Tukipalvelut",
"sv": "Fördelar",
"no": "Fordeler"
}
}
}
],
"summary": {
"count": 37,
"total": 59500.00,
"min": 250.00,
"max": 9400.00,
"average": 4958.33
},
"primary": {
"count": 12,
"total": 53400.00,
"min": 4450.00,
"max": 4450.00,
"average": 4450.00,
"first_booked_on": "2025-07-28",
"last_booked_on": "2026-06-30",
"children": [],
"category": {
"id": 17,
"localized_names": {
"en": "Wage / Salary",
"de": "Lohn / Gehalt",
"es": "Salario / Sueldo",
"pt": "Salário",
"sa": "الأجور والرواتب",
"fr": "Salaire / Traitement",
"it": "Salario / Stipendio",
"nl": "Loon / Salaris",
"be": "Loon / Salaris",
"da": "Løn / Gage",
"fi": "Palkka",
"sv": "Lön / Lön",
"no": "Lønn / Lønn"
}
}
}
},
"regular": {
"streams": [
{
"count": 12,
"total": 53400.00,
"min": 4450.00,
"max": 4450.00,
"average": 4450.00,
"first_booked_on": "2025-07-28",
"last_booked_on": "2026-06-30",
"children": [
{
"count": 12,
"total": 53400.00,
"min": 4450.00,
"max": 4450.00,
"average": 4450.00,
"first_booked_on": "2025-07-28",
"last_booked_on": "2026-06-30",
"children": [],
"category": {
"id": 17,
"localized_names": {
"en": "Wage / Salary",
"de": "Lohn / Gehalt",
"es": "Salario / Sueldo",
"pt": "Salário",
"sa": "الأجور والرواتب",
"fr": "Salaire / Traitement",
"it": "Salario / Stipendio",
"nl": "Loon / Salaris",
"be": "Loon / Salaris",
"da": "Løn / Gage",
"fi": "Palkka",
"sv": "Lön / Lön",
"no": "Lønn / Lønn"
}
}
}
],
"category": {
"id": 11,
"localized_names": {
"en": "Income / Revenue",
"de": "Einkommen",
"es": "Ingresos",
"pt": "Rendimento",
"sa": "دخل شخصي / إيرادات",
"fr": "Revenus",
"it": "Redditi",
"nl": "Inkomen",
"be": "Inkomsten",
"da": "Indkomst",
"fi": "Tulot",
"sv": "Inkomst / Intäkter",
"no": "Inntekt / Inntekt"
}
}
},
{
"count": 24,
"total": 6000.00,
"min": 250.00,
"max": 250.00,
"average": 500.00,
"first_booked_on": "2025-07-15",
"last_booked_on": "2026-07-02",
"children": [
{
"count": 24,
"total": 6000.00,
"min": 250.00,
"max": 250.00,
"average": 500.00,
"first_booked_on": "2025-07-15",
"last_booked_on": "2026-07-02",
"children": [],
"category": {
"id": 16,
"localized_names": {
"en": "Child benefits",
"de": "Kindergeld",
"es": "Prestación por hijos",
"pt": "Abono de família",
"sa": "بدلات الأطفال",
"fr": "Allocation familiale",
"it": "Assegno familiare",
"nl": "Kinderbijslag",
"be": "Kinderbijslag",
"da": "Børnecheck",
"fi": "Lapsilisä",
"sv": "Barnbidrag",
"no": "Barnetrygd"
}
}
}
],
"category": {
"id": 200,
"localized_names": {
"en": "Benefits",
"de": "Unterstützungsleistungen",
"es": "Prestaciones",
"pt": "Subsídios",
"sa": "إعانات",
"fr": "Prestations d'aide sociale",
"it": "Prestazioni di sostegno",
"nl": "Uitkeringen",
"be": "Uitkeringen",
"da": "Støtteydelser",
"fi": "Tukipalvelut",
"sv": "Fördelar",
"no": "Fordeler"
}
}
}
],
"summary": {
"count": 36,
"total": 59400.00,
"min": 250.00,
"max": 9400.00,
"average": 4950.00
},
"primary": {
"count": 12,
"total": 53400.00,
"min": 4450.00,
"max": 4450.00,
"average": 4450.00,
"first_booked_on": "2025-07-28",
"last_booked_on": "2026-06-30",
"children": [],
"category": {
"id": 17,
"localized_names": {
"en": "Wage / Salary",
"de": "Lohn / Gehalt",
"es": "Salario / Sueldo",
"pt": "Salário",
"sa": "الأجور والرواتب",
"fr": "Salaire / Traitement",
"it": "Salario / Stipendio",
"nl": "Loon / Salaris",
"be": "Loon / Salaris",
"da": "Løn / Gage",
"fi": "Palkka",
"sv": "Lön / Lön",
"no": "Lønn / Lønn"
}
}
}
},
"variable": {
"streams": [
{
"count": 1,
"total": 100.00,
"min": 100.00,
"max": 100.00,
"average": 8.33,
"first_booked_on": "2025-11-18",
"last_booked_on": "2025-11-18",
"children": [],
"category": {
"id": 11,
"localized_names": {
"en": "Income / Revenue",
"de": "Einkommen",
"es": "Ingresos",
"pt": "Rendimento",
"sa": "دخل شخصي / إيرادات",
"fr": "Revenus",
"it": "Redditi",
"nl": "Inkomen",
"be": "Inkomsten",
"da": "Indkomst",
"fi": "Tulot",
"sv": "Inkomst / Intäkter",
"no": "Inntekt / Inntekt"
}
}
}
],
"summary": {
"count": 1,
"total": 100.00,
"min": 100.00,
"max": 100.00,
"average": 8.33
},
"primary": {
"count": 1,
"total": 100.00,
"min": 100.00,
"max": 100.00,
"average": 8.33,
"first_booked_on": "2025-11-18",
"last_booked_on": "2025-11-18",
"children": [],
"category": {
"id": 11,
"localized_names": {
"en": "Income / Revenue",
"de": "Einkommen",
"es": "Ingresos",
"pt": "Rendimento",
"sa": "دخل شخصي / إيرادات",
"fr": "Revenus",
"it": "Redditi",
"nl": "Inkomen",
"be": "Inkomsten",
"da": "Indkomst",
"fi": "Tulot",
"sv": "Inkomst / Intäkter",
"no": "Inntekt / Inntekt"
}
}
}
},
"risk_indicators": {
"overall": {
"streams": [],
"summary": {
"count": 0,
"total": 0,
"average": 0,
"ratio": 0.00
}
},
"chargeback": {
"streams": [],
"summary": {
"count": 0,
"total": 0,
"average": 0,
"ratio": 0.00
}
},
"gambling": {
"streams": [],
"summary": {
"count": 0,
"total": 0,
"average": 0,
"ratio": 0.00
}
},
"lottery": {
"streams": [],
"summary": {
"count": 0,
"total": 0,
"average": 0,
"ratio": 0.00
}
},
"refund": {
"streams": [],
"summary": {
"count": 0,
"total": 0,
"average": 0,
"ratio": 0.00
}
}
}
},
"expenses": {
"overall": {
"streams": [
{
"count": 11,
"total": -16280.00,
"min": -1480.00,
"max": -1480.00,
"average": -1480.00,
"first_booked_on": "2025-08-01",
"last_booked_on": "2026-07-01",
"children": [],
"category": {
"id": 158,
"localized_names": {
"en": "Rent / Service charges",
"de": "Miet- und Nebenkosten",
"es": "Alquiler / Gastos accesorios",
"pt": "Aluguer / despesas acessórias",
"sa": "إيجار المنزل / رسوم الخدمات",
"fr": "Loyer et charges",
"it": "Affitto e spese accessorie",
"nl": "Huur en servicekosten",
"be": "Huur- en bijkomende kosten",
"da": "Leje- og driftsomkostninger",
"fi": "Vuokra ja sivukulut",
"sv": "Hyra / Serviceavgifter",
"no": "Leie / Serviceavgifter"
}
}
},
{
"count": 20,
"total": -7275.24,
"min": -588.89,
"max": -18.20,
"average": -641.03,
"first_booked_on": "2025-08-04",
"last_booked_on": "2026-07-02",
"children": [
{
"count": 12,
"total": -7066.68,
"min": -588.89,
"max": -588.89,
"average": -588.89,
"first_booked_on": "2025-08-04",
"last_booked_on": "2026-07-02",
"children": [],
"category": {
"id": 135,
"localized_names": {
"en": "Health insurance",
"de": "Krankenversicherung",
"es": "Seguro de salud",
"pt": "Seguro de saúde",
"sa": "تأمين صحي",
"fr": "Assurance maladie",
"it": "Assicurazione sanitaria",
"nl": "Zorgverzekering",
"be": "Ziektekostenverzekering",
"da": "Sygeforsikring",
"fi": "Sairausvakuutus",
"sv": "Sjukförsäkring",
"no": "Helseforsikring"
}
}
}
],
"category": {
"id": 128,
"localized_names": {
"en": "Insurances",
"de": "Versicherungen",
"es": "Seguros",
"pt": "Seguros",
"sa": "تأمينات",
"fr": "Assurances",
"it": "Assicurazioni",
"nl": "Verzekeringen",
"be": "Verzekeringen",
"da": "Forsikringer",
"fi": "Vakuutukset",
"sv": "Försäkringar",
"no": "Forsikringer"
}
}
},
],
"summary": {
"count": 257,
"total": -37874.99,
"min": -3852.73,
"max": -1127.24,
"average": -3754.60,
}
},
"regular": {
"streams": [
{
"count": 11,
"total": -16280.00,
"min": -1480.00,
"max": -1480.00,
"average": -1480.00,
"first_booked_on": "2025-08-01",
"last_booked_on": "2026-07-01",
"children": [],
"category": {
"id": 158,
"localized_names": {
"en": "Rent / Service charges",
"de": "Miet- und Nebenkosten",
"es": "Alquiler / Gastos accesorios",
"pt": "Aluguer / despesas acessórias",
"sa": "إيجار المنزل / رسوم الخدمات",
"fr": "Loyer et charges",
"it": "Affitto e spese accessorie",
"nl": "Huur en servicekosten",
"be": "Huur- en bijkomende kosten",
"da": "Leje- og driftsomkostninger",
"fi": "Vuokra ja sivukulut",
"sv": "Hyra / Serviceavgifter",
"no": "Leie / Serviceavgifter"
}
}
},
{
"count": 20,
"total": -7275.24,
"min": -588.89,
"max": -18.20,
"average": -641.03,
"first_booked_on": "2025-08-04",
"last_booked_on": "2026-07-02",
"children": [
{
"count": 12,
"total": -7066.68,
"min": -588.89,
"max": -588.89,
"average": -588.89,
"first_booked_on": "2025-08-04",
"last_booked_on": "2026-07-02",
"children": [],
"category": {
"id": 135,
"localized_names": {
"en": "Health insurance",
"de": "Krankenversicherung",
"es": "Seguro de salud",
"pt": "Seguro de saúde",
"sa": "تأمين صحي",
"fr": "Assurance maladie",
"it": "Assicurazione sanitaria",
"nl": "Zorgverzekering",
"be": "Ziektekostenverzekering",
"da": "Sygeforsikring",
"fi": "Sairausvakuutus",
"sv": "Sjukförsäkring",
"no": "Helseforsikring"
}
}
}
],
"category": {
"id": 128,
"localized_names": {
"en": "Insurances",
"de": "Versicherungen",
"es": "Seguros",
"pt": "Seguros",
"sa": "تأمينات",
"fr": "Assurances",
"it": "Assicurazioni",
"nl": "Verzekeringen",
"be": "Verzekeringen",
"da": "Forsikringer",
"fi": "Vakuutukset",
"sv": "Försäkringar",
"no": "Forsikringer"
}
}
},
{
"count": 21,
"total": -3918.00,
"min": -251.50,
"max": -100.00,
"average": -351.50,
"first_booked_on": "2025-07-03",
"last_booked_on": "2026-06-25",
"children": [],
"category": {
"id": 52,
"localized_names": {
"en": "Investment",
"de": "Geldanlage",
"es": "Inversión financiera",
"pt": "Investimento financeiro",
"sa": "الاستثمار",
"fr": "Investissement",
"it": "Investimento finanziario",
"nl": "Financiële investering",
"be": "Investering",
"da": "Investering",
"fi": "Sijoitus",
"sv": "Investeringar",
"no": "Investering"
}
}
},
{
"count": 11,
"total": -1783.87,
"min": -162.17,
"max": -162.17,
"average": -162.17,
"first_booked_on": "2025-08-01",
"last_booked_on": "2026-07-01",
"children": [],
"category": {
"id": 233,
"localized_names": {
"en": "Other expenses",
"es": "Otros gastos",
"de": "Sonstige Ausgaben",
"pt": "Outros custos",
"sa": "مصاريف أخرى",
"fr": "Dépenses diverses",
"it": "Altre spese",
"nl": "Overige uitgaven",
"be": "Overige uitgaven",
"da": "Andre udgifter",
"fi": "Muut kulut",
"sv": "Övriga utgifter",
"no": "Andre utgifter"
}
}
},
{
"count": 11,
"total": -1265.00,
"min": -115.00,
"max": -115.00,
"average": -115.00,
"first_booked_on": "2025-08-01",
"last_booked_on": "2026-07-01",
"children": [
{
"count": 11,
"total": -1265.00,
"min": -115.00,
"max": -115.00,
"average": -115.00,
"first_booked_on": "2025-08-01",
"last_booked_on": "2026-07-01",
"children": [],
"category": {
"id": 164,
"localized_names": {
"en": "Electricity",
"de": "Strom",
"es": "Electricidad",
"pt": "Eletricidade",
"sa": "كهرباء",
"fr": "Électricité",
"it": "Elettricità",
"nl": "Stroom",
"be": "Elektriciteit",
"da": "Elektricitet",
"fi": "Sähkö",
"sv": "Elektricitet",
"no": "Elektrisitet"
}
}
}
],
"category": {
"id": 149,
"localized_names": {
"en": "Household",
"de": "Haushalt",
"es": "Hogar",
"pt": "Lar ",
"sa": "النفقات المنزلية",
"fr": "Ménage",
"it": "Spese domestiche",
"nl": "Huishouden",
"be": "Huishouden",
"da": "Husholdning",
"fi": "Kotitalous",
"sv": "Hushåll",
"no": "Husholdning"
}
}
},
{
"count": 35,
"total": -1153.54,
"min": -82.23,
"max": -6.00,
"average": -249.39,
"first_booked_on": "2025-07-23",
"last_booked_on": "2026-06-30",
"children": [
{
"count": 12,
"total": -479.40,
"min": -39.95,
"max": -39.95,
"average": -39.95,
"first_booked_on": "2025-07-23",
"last_booked_on": "2026-06-25",
"children": [],
"category": {
"id": 89,
"localized_names": {
"en": "Mobile contract",
"de": "Mobilfunkvertrag",
"es": "Contrato de telefonía móvil",
"pt": "Contrato de telemóvel",
"sa": "عقد اشتراك الهاتف المحمول",
"fr": "Contrat de téléphone mobile",
"it": "Contratto di telefonia mobile",
"nl": "Contract voor mobiele telefoon",
"be": "Mobiel abonnement",
"da": "Mobilabonnement",
"fi": "Matkapuhelinliittymä",
"sv": "Mobilabonnemang",
"no": "Mobilkontrakt"
}
}
},
{
"count": 12,
"total": -72.00,
"min": -6.00,
"max": -6.00,
"average": -6.00,
"first_booked_on": "2025-07-27",
"last_booked_on": "2026-06-29",
"children": [],
"category": {
"id": 170,
"localized_names": {
"en": "Domain / Hosting",
"de": "Domain / Hosting",
"es": "Dominio / Alojamiento",
"pt": "Domain / Hosting",
"sa": "شراء النطاق / استضافة المواقع عبر الإنترنت",
"fr": "Domaine / Hébergement IT",
"it": "Dominio / Hosting",
"nl": "Domein / Hosting",
"be": "Domein / Hosting",
"da": "Domæne / Hosting",
"fi": "Verkkotunnus / Hosting-palvelu",
"sv": "Domän / Hosting",
"no": "Domene / Hosting"
}
}
}
],
"category": {
"id": 165,
"localized_names": {
"en": "Telecommunication",
"de": "Telekommunikationskosten",
"es": "Gastos de telecomunicación",
"pt": "Custos de telecomunicações",
"sa": "مصاريف الاتصالات",
"fr": "Frais de télécommunications",
"it": "Telecomunicazioni",
"nl": "Telecommunicatiekosten",
"be": "Telecommunicatiekosten",
"da": "Telekommunikationsomkostninger",
"fi": "Tietoliikennekulut",
"sv": "Telekommunikation",
"no": "Telekommunikasjon"
}
}
},
{
"count": 12,
"total": -672.63,
"min": -63.65,
"max": -48.66,
"average": -112.23,
"first_booked_on": "2025-07-03",
"last_booked_on": "2026-03-04",
"children": [],
"category": {
"id": 101,
"localized_names": {
"en": "Mobility",
"de": "Mobilität",
"es": "Movilidad",
"pt": "Mobilidade",
"sa": "وسائل التنقل",
"fr": "Mobilité",
"it": "Mobilità",
"nl": "Mobiliteit",
"be": "Mobiliteit",
"da": "Mobilitet",
"fi": "Liikkuvuus",
"sv": "Rörlighet",
"no": "Mobilitet"
}
}
},
{
"count": 11,
"total": -667.92,
"min": -60.72,
"max": -60.72,
"average": -60.72,
"first_booked_on": "2025-07-31",
"last_booked_on": "2026-07-02",
"children": [
{
"count": 11,
"total": -667.92,
"min": -60.72,
"max": -60.72,
"average": -60.72,
"first_booked_on": "2025-07-31",
"last_booked_on": "2026-07-02",
"children": [],
"category": {
"id": 231,
"localized_names": {
"en": "Fees",
"de": "Gebühren",
"es": "Tasas",
"pt": "Taxas",
"sa": "رسوم",
"fr": "Frais",
"it": "Tasse",
"nl": "Vergoedingen",
"be": "Kosten",
"da": "Gebyrer",
"fi": "Palkkiot",
"sv": "Avgifter",
"no": "Avgifter"
}
}
}
],
"category": {
"id": 126,
"localized_names": {
"en": "Taxes / Fees / Fines",
"de": "Steuern / Gebühren / Bußgelder",
"es": "Impuestos / Tasas / Multas",
"pt": "Impostos / Taxas / Multas",
"sa": "ضرائب / رسوم / غرامات",
"fr": "Impôts / Frais / Amendes",
"it": "Imposte / Tasse / Multe",
"nl": "Belastingen / Vergoedingen / Boetes",
"be": "Belastingen / Kosten / Boetes",
"da": "Skatter / Gebyrer / Bøder",
"fi": "Verot / Palkkiot / Sakot",
"sv": "Skatter / avgifter / böter",
"no": "Skatter / gebyrer / bøter"
}
}
},
{
"count": 7,
"total": -489.65,
"min": -87.33,
"max": -54.26,
"average": -141.16,
"first_booked_on": "2025-07-26",
"last_booked_on": "2026-05-27",
"children": [],
"category": {
"id": 41,
"localized_names": {
"en": "Health / Care",
"de": "Gesundheit / Pflege",
"es": "Salud / Cuidados",
"pt": "Saúde / Bem-estar",
"sa": "الصحة والعناية الشخصية",
"fr": "Santé / Soins",
"it": "Salute / Cura personale",
"nl": "Gezondheid / Zorg",
"be": "Gezondheid / Verzorging",
"da": "Sundhed / Pleje",
"fi": "Terveys / Hoito",
"sv": "Hälsa / Vård",
"no": "Helse / Omsorg"
}
}
},
{
"count": 5,
"total": -240.54,
"min": -53.16,
"max": -44.44,
"average": -97.35,
"first_booked_on": "2025-08-10",
"last_booked_on": "2026-02-19",
"children": [
{
"count": 5,
"total": -240.54,
"min": -53.16,
"max": -44.44,
"average": -97.35,
"first_booked_on": "2025-08-10",
"last_booked_on": "2026-02-19",
"children": [],
"category": {
"id": 224,
"localized_names": {
"en": "Food delivery",
"de": "Essenslieferung",
"es": "Entrega de alimentos",
"pt": "Entrega de alimentos",
"sa": "طلبات الطعام عبر التطبيقات",
"fr": "Livraison de repas",
"it": "Consegna di cibo a domicilio",
"nl": "Maaltijdbezorging",
"be": "Voedselbezorging",
"da": "Madlevering",
"fi": "Ruoan toimitus",
"sv": "Matleverans",
"no": "Matlevering"
}
}
}
],
"category": {
"id": 203,
"localized_names": {
"en": "Food",
"de": "Essen",
"es": "Comida",
"pt": "Comida",
"sa": "طعام",
"fr": "Repas",
"it": "Generi alimentari",
"nl": "Voedsel",
"be": "Voedsel",
"da": "Mad",
"fi": "Ruoka",
"sv": "Mat",
"no": "Mat"
}
}
},
{
"count": 12,
"total": -119.88,
"min": -9.99,
"max": -9.99,
"average": -9.99,
"first_booked_on": "2025-08-04",
"last_booked_on": "2026-07-02",
"children": [
{
"count": 12,
"total": -119.88,
"min": -9.99,
"max": -9.99,
"average": -9.99,
"ratio": 0,
"reference": [
[
"2025-08-01",
"2025-09-01",
"2025-10-01",
"2025-11-01",
"2025-12-01",
"2026-01-01",
"2026-02-01",
"2026-03-01",
"2026-04-01",
"2026-05-01",
"2026-06-01",
"2026-07-01"
],
33,
[
22
]
],
"first_booked_on": "2025-08-04",
"last_booked_on": "2026-07-02",
"children": [],
"category": {
"id": 33,
"localized_names": {
"en": "Music streaming",
"de": "Musik Streaming",
"es": "Streaming de música",
"pt": "Streaming de música",
"sa": "بث الموسيقى عبر الإنترنت",
"fr": "Streaming musical",
"it": "Streaming musicale",
"nl": "Muziekstreaming",
"be": "Muziek strooming",
"da": "Musikstreaming",
"fi": "Musiikin suoratoisto",
"sv": "Musikströmning",
"no": "Musikkstrømming"
}
}
}
],
"category": {
"id": 22,
"localized_names": {
"en": "Leisure",
"de": "Freizeit",
"es": "Ocio",
"pt": "Lazer",
"sa": "الترفيه",
"fr": "Loisirs",
"it": "Tempo libero",
"nl": "Vrije tijd",
"be": "Vrije tijd",
"da": "Fritid",
"fi": "Vapaa-aika",
"sv": "Fritid",
"no": "Fritid"
}
}
}
],
"summary": {
"count": 156,
"total": -33866.27,
"min": -3214.37,
"max": -734.99,
"average": -3420.54,
"ratio": 0,
"reference": [
[
"2025-07-01",
"2025-08-01",
"2025-09-01",
"2025-10-01",
"2025-11-01",
"2025-12-01",
"2026-01-01",
"2026-02-01",
"2026-03-01",
"2026-04-01",
"2026-05-01",
"2026-06-01",
"2026-07-01"
],
[
128,
101,
165,
41,
233,
203,
52,
149,
22,
126,
158
],
[
1,
2,
3,
6,
7,
8,
9,
10,
11,
12,
13,
14,
15,
16,
18,
19,
20,
21,
22,
23,
24,
25
]
]
}
},
"variable": {
"streams": [
{
"count": 31,
"total": -2109.37,
"min": -142.23,
"max": -13.66,
"average": -175.78,
"first_booked_on": "2025-07-05",
"last_booked_on": "2026-06-25",
"children": [
{
"count": 7,
"total": -294.80,
"min": -83.00,
"max": -13.66,
"average": -24.57,
"first_booked_on": "2025-07-18",
"last_booked_on": "2026-06-12",
"children": [],
"category": {
"id": 224,
"localized_names": {
"en": "Food delivery",
"de": "Essenslieferung",
"es": "Entrega de alimentos",
"pt": "Entrega de alimentos",
"sa": "طلبات الطعام عبر التطبيقات",
"fr": "Livraison de repas",
"it": "Consegna di cibo a domicilio",
"nl": "Maaltijdbezorging",
"be": "Voedselbezorging",
"da": "Madlevering",
"fi": "Ruoan toimitus",
"sv": "Matleverans",
"no": "Matlevering"
}
}
},
{
"count": 24,
"total": -1814.57,
"min": -142.23,
"max": -19.06,
"average": -151.21,
"first_booked_on": "2025-07-05",
"last_booked_on": "2026-06-25",
"children": [],
"category": {
"id": 94,
"localized_names": {
"en": "Groceries",
"de": "Lebensmittel",
"es": "Alimentación",
"pt": "Alimentação",
"sa": "مشتريات البقالة",
"fr": "Alimentation",
"it": "Spesa",
"nl": "Levensmiddelen",
"be": "Levensmiddelen",
"da": "Dagligvarer",
"fi": "Elintarvikkeet",
"sv": "Livsmedel",
"no": "Dagligvarer"
}
}
}
],
"category": {
"id": 203,
"localized_names": {
"en": "Food",
"de": "Essen",
"es": "Comida",
"pt": "Comida",
"sa": "طعام",
"fr": "Repas",
"it": "Generi alimentari",
"nl": "Voedsel",
"be": "Voedsel",
"da": "Mad",
"fi": "Ruoka",
"sv": "Mat",
"no": "Mat"
}
}
},
{
"count": 4,
"total": -547.21,
"min": -164.81,
"max": -93.83,
"average": -45.60,
"first_booked_on": "2025-08-11",
"last_booked_on": "2026-05-15",
"children": [],
"category": {
"id": 101,
"localized_names": {
"en": "Mobility",
"de": "Mobilität",
"es": "Movilidad",
"pt": "Mobilidade",
"sa": "وسائل التنقل",
"fr": "Mobilité",
"it": "Mobilità",
"nl": "Mobiliteit",
"be": "Mobiliteit",
"da": "Mobilitet",
"fi": "Liikkuvuus",
"sv": "Rörlighet",
"no": "Mobilitet"
}
}
}
],
"summary": {
"count": 101,
"total": -4008.72,
"min": -673.08,
"max": -0.10,
"average": -334.06,
}
},
"risk_indicators": {
"overall": {
"streams": [],
"summary": {
"count": 0,
"total": 0,
"average": 0,
"ratio": 0.00
}
},
"atm": {
"streams": [],
"summary": {
"count": 0,
"total": 0,
"average": 0,
"ratio": 0.00
}
},
"debt_collection": {
"streams": [],
"summary": {
"count": 0,
"total": 0,
"average": 0,
"ratio": 0.00
}
},
"gambling": {
"streams": [],
"summary": {
"count": 0,
"total": 0,
"average": 0,
"ratio": 0.00
}
},
"loan": {
"streams": [],
"summary": {
"count": 0,
"total": 0,
"average": 0,
"ratio": 0.00
}
}
}
}
},
"meta": {
"user_id": 1154933568075214731
}
}Response schema
| Section | Description |
|---|---|
id | Unique identifier of the flow and the report |
created_at | Creation time |
type | The type of the artifact to retrieve. It must be artifact_type |
meta | Possible metadata entries. It usually includes the user id |
raw_result | The full generated report in JSON format. This raw_result schema entirely depends on the artifact_type sent in the request. The schemas can be filtered by type in the API Reference section. |
Error handling
The nrich API uses standard HTTP status codes and returns a structured error object in the response body.
Error response structure
{
"error": {
"code": 1000,
"group": "client",
"description": "Request body doesn't match input schema.",
"data": {
"redirect_uri": ["Not a valid URL."]
}
}
}| Field | Description |
|---|---|
code | nrich-specific numeric error code. |
group | Error category: client, user, bank, general, or connectivity. |
description | Short human-readable summary. |
data | Field-level validation details (on 400 errors). |
HTTP status codes
| Code | Meaning | What to do |
|---|---|---|
200 OK | Success. | Parse the response body. |
400 Bad Request | Invalid or missing parameters. | Check error.data for the specific field. |
401 Unauthorized | Token missing or expired. | Refresh using your refresh_token and retry. |
403 Forbidden | Valid token, insufficient scope. | Verify your credentials have the required scopes. |
404 Not Found | Resource not found or not yet created. | Confirm the ID is correct; some resources only exist after the user completes the flow. |
423 Resource Locked | Resource temporarily locked during migration. | Retry with exponential backoff (seconds → minutes). |
500 Internal Server Error | Unexpected server error. | Retry with backoff; contact support if it persists. |
Implement 423 retry logic
423can occur after system updates. Your application must handle it with incremental backoff - do not surface it directly to users.
Common nrich error codes
| Code | Group | Description |
|---|---|---|
1000 | client | Invalid request - check data for field details |
1002 | client | Entity not found |
1008 | client | Resource busy - implement retry with backoff |
10000 | user | Login credentials are invalid |
10001 | user | PIN is invalid |
10004 | user | TAN is invalid |
10007 | user | PIN change required at the bank |
20000 | bank | Processing at the bank not possible |
20003 | bank | Bank under maintenance |
30000 | general | Processing at nrich not possible |
30005 | general | Task has expired |
40000 | connectivity | Bank not supported |
Updated 6 days ago
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