Process 1: Query Cash Balance (No Hold)

Query cash balance without holding funds.

Message Type

camt.060 - Account Reporting Request
camt.052 - Account Report (Response)

Purpose

The Securities Company queries the customer's cash balance at the Custody Bank to determine trading capability, but does not hold funds.

REQUEST - Broker → UFG → Custody Bank

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.060.001.05">
  <AcctRptgReq>
    <GrpHdr>
      <MsgId>BRK00-20250126-001</MsgId>
      <CreDtTm>2025-01-26T10:30:00Z</CreDtTm>
    </GrpHdr>
    <RptgReq>
      <ReqdMsgNmId>camt.052</ReqdMsgNmId>
      <Acct>
        <Id>
          <Othr>
            <Id>0821234567</Id> <!-- Customer Account Number -->
            <SchmeNm>
              <Cd>BBAN</Cd>
            </SchmeNm>
          </Othr>
        </Id>
      </Acct>
      <AcctOwnr>
        <Nm>NGUYEN VAN A</Nm>
      </AcctOwnr>
      <ReqTp>
        <Cd>AVLB</Cd> <!-- Available Balance -->
      </ReqTp>
    </RptgReq>
  </AcctRptgReq>
</Document>

Key Fields Explanation

Field	Description
MsgId	Message Identifier - unique for each request
CreDtTm	Created Date Time - timestamp of the request
ReqdMsgNmId	Requested Message Name - requested response type
BBAN	Basic Bank Account Number
AVLB	Available Balance

RESPONSE - Custody Bank → UFG → Broker

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.052.001.08">
  <BkToCstmrAcctRpt>
    <GrpHdr>
      <MsgId>CUSTODY00-20250126-001</MsgId>
      <CreDtTm>2025-01-26T10:30:01Z</CreDtTm>
    </GrpHdr>
    <Rpt>
      <Id>RPT-001</Id>
      <Acct>
        <Id>
          <Othr>
            <Id>0821234567</Id>
          </Othr>
        </Id>
      </Acct>
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Cd>XPCD</Cd> <!-- Expected Balance - does not show actual balance -->
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="VND">0</Amt> <!-- Always returns 0 -->
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt>
          <Dt>2025-01-26</Dt>
        </Dt>
        <Avlbty>
          <Dt>
            <ActlDt>2025-01-26</ActlDt>
          </Dt>
          <Amt Ccy="VND">0</Amt>
          <CdtDbtInd>CRDT</CdtDbtInd>
        </Avlbty>
      </Bal>
      <!-- Status Information -->
      <AddtlRptInf>SUFFICIENT</AddtlRptInf> <!-- Or INSUFFICIENT -->
    </Rpt>
  </BkToCstmrAcctRpt>
</Document>

Important Note

The response ALWAYS returns <Amt>0</Amt> for security. Actual solvency information is in <AddtlRptInf>:

• SUFFICIENT: Account has sufficient balance
• INSUFFICIENT: Account has insufficient balance

Use Cases

1. Pre-order Check

Before a customer places a buy order, the securities company needs to check the cash balance.

2. Solvency Verification

After order matching, verify that the customer has sufficient solvency.

Flow Diagram

Technical Notes

Idempotency

• MsgId must be unique for each request
• Format: {MEMBER_ID}-{YYYYMMDD}-{SEQUENCE}
• Custody Bank tracks MsgId to avoid duplicate processing

Timeout

• Request timeout: 30 seconds
• If no response received, retry with new MsgId

Error Handling

• If account does not exist: Response with error code NACT (No Account)
• If account is closed: Response with error code CLOS (Closed)