Opening and Closing Balance Reconciliation

Beyond individual Money Movements, clients often need to reconcile a Cobre Balance's opening balance, closing balance, and daily total credits/debits for a given day — independent of which product or rail generated each Transaction.

This guide covers two ways to get there: deriving the figures yourself from Obtain an Account Transactions, or reading them precomputed from Obtain Account Daily Balance History.

Two Ways to Get There

Approach	Endpoint	When to use it
Derive from Transactions	`GET /accounts/{acct_id}/transactions`	Same-day / intraday figures, or when you need transaction-level detail
Read precomputed	`GET /accounts/{acct_id}/daily_balance_history`	End-of-day reconciliation, once the day's history has been generated

Daily Balance History objects are generated once per day and are available at least 5 hours after the end of the day. If you need the current, still-moving balance for today, derive it from Transactions instead.

Deriving Balances from Transactions

Obtain an Account Transactions returns every Transaction for an account with its previous_balance, current_balance, amount, credit_debit_type, and transaction_date. To compute a day's figures:

Query the account's Transactions filtered to the target day (date for an exact day, or date_gte/date_lte for a range).

Sort the results by transaction_date, ascending.

The opening balance is the first Transaction's previous_balance.

The closing balance is the last Transaction's current_balance.

Total credits is the sum of amount for all Transactions where credit_debit_type = credit; total debits is the sum of amount for all Transactions where credit_debit_type = debit.

Page through all results before computing opening/closing balances — a day with more activity than fits in one page will otherwise give you the wrong first or last Transaction.

Example request:

GET /accounts/acc_hyb36Rp7XS/transactions?date=2025-06-06

Example response:

{
  "total_items": 3,
  "total_pages": 1,
  "is_last_page": true,
  "page_items": 3,
  "contents": [
    {
      "id": "trx_a1B2c3D4e5F6",
      "type": "col_credit",
      "account_id": "acc_hyb36Rp7XS",
      "amount": 50000,
      "previous_balance": 100000,
      "current_balance": 150000,
      "currency": "COP",
      "credit_debit_type": "credit",
      "transaction_date": "2025-06-06T09:15:00Z",
      "created_at": "2025-06-06T09:15:01Z",
      "metadata": {
        "money_movement_id": "mm_g7H8i9J0k1L2",
        "description": "Sent from Cobre"
      }
    },
    {
      "id": "trx_b2C3d4E5f6G7",
      "type": "col_debit",
      "account_id": "acc_hyb36Rp7XS",
      "amount": -20000,
      "previous_balance": 150000,
      "current_balance": 130000,
      "currency": "COP",
      "credit_debit_type": "debit",
      "transaction_date": "2025-06-06T14:30:00Z",
      "created_at": "2025-06-06T14:30:01Z",
      "metadata": {
        "money_movement_id": "mm_m3N4o5P6q7R8",
        "description": "Sent from Cobre"
      }
    },
    {
      "id": "trx_c3D4e5F6g7H8",
      "type": "col_cb_credit",
      "account_id": "acc_hyb36Rp7XS",
      "amount": 150000,
      "previous_balance": 130000,
      "current_balance": 280000,
      "currency": "COP",
      "credit_debit_type": "credit",
      "transaction_date": "2025-06-06T18:45:00Z",
      "created_at": "2025-06-06T18:45:01Z",
      "metadata": {
        "money_movement_id": "mm_s9T0u1V2w3X4",
        "description": "Sent from Cobre"
      }
    }
  ]
}

From this response: opening balance = 100000 (first previous_balance), closing balance = 280000 (last current_balance), total credits = 50000 + 150000 = 200000, total debits = 20000.

closing_balance = opening_balance + total_credits - total_debits — in this example, 100000 + 200000 - 20000 = 280000.

Using Daily Balance History Instead

Obtain Account Daily Balance History already performs the calculation above and returns one object per account, per day:

Daily Balance History field	Equivalent from Transactions
`initial_balance`	First Transaction's `previous_balance` for the day
`end_balance`	Last Transaction's `current_balance` for the day
`total_credits`	Sum of `amount` where `credit_debit_type = credit`
`total_debits`	Sum of `amount` where `credit_debit_type = debit`
`balance_date`	The day the figures apply to (`YYYY-MM-DD`)
`offset`	UTC offset applied to determine day boundaries

offset is the same UTC offset used to bucket transaction_date into calendar days on Obtain an Account Transactions. Daily Balance History and Transactions agree on the same day boundaries, so figures derived manually from Transactions for a given day always align with the Daily Balance History object for that same day.

Example request:

GET /accounts/acc_pW9hRz2Qxv/daily_balance_history?balance_date=2026-08-19

Example response:

{
    "total_items": 1,
    "total_pages": 1,
    "is_last_page": true,
    "page_items": 1,
    "contents": [
        {
            "id": "dbh_MpW6uPF9YMAR",
            "offset": "-05:00",
            "balance_date": "2026-08-19",
            "initial_balance": 295500,
            "total_credits": 150000000,
            "total_debits": 0,
            "end_balance": 150295500,
            "created_at": "2026-08-20T08:03:03Z",
            "updated_at": "2026-08-20T08:03:03Z"
        }
    ]
}

This is a separate, real example — a different account and day than the Transactions example above — but the same formula holds: 295500 + 150000000 - 0 = 150295500. Note that initial_balance, total_credits, total_debits, and end_balance are numeric (not strings). Use this endpoint directly instead of re-deriving the totals from Transactions, and fall back to Transactions only when you need transaction-level detail or same-day figures.

Allowed Actions on Balance Reconciliation

🔍 Retrieval — Transactions

🔍 Retrieval — Daily Balance History

Description: Retrieve every Transaction for an account, including previous_balance and current_balance, to derive opening/closing balances yourself.

What to expect after the action: A paginated list of Transactions filterable by date, credit_debit_type, type, and amount.

📘 Learn more:

🔗 Obtain an Account Transactions

How to Get Started

Decide same-day vs. end-of-day reconciliation

Use Transactions for same-day or intraday figures; use Daily Balance History once the day's object has been generated (at least 5 hours after day end).

Bound your query to the target day

Use date / date_gte / date_lte on Transactions, or balance_date / balance_date_gte / balance_date_lte on Daily Balance History.

Page through all results before computing totals from Transactions

A day with high activity may span multiple pages — don't compute opening/closing balances from a partial result set.

What to expect after using this API

Opening and closing balances validate two ways

Figures derived manually from Transactions match the precomputed Daily Balance History object for the same day.

Daily totals reconcile against your own ledger

total_credits and total_debits per day give you a checkpoint independent of individual Money Movement reconciliation.

Discrepancies isolate to a specific day and account

Any mismatch narrows down to one account_id and balance_date you can investigate at the Transaction level.

Opening and Closing Balance Reconciliation

Two Ways to Get There#

Deriving Balances from Transactions#

Using Daily Balance History Instead#

Allowed Actions on Balance Reconciliation#

How to Get Started#

What to expect after using this API#

Two Ways to Get There

Deriving Balances from Transactions

Using Daily Balance History Instead

Allowed Actions on Balance Reconciliation

How to Get Started

What to expect after using this API