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docs/mibapi/03-accounts.md
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# Accounts & Balances
Account numbers and balances are returned by the **Select Profile** call (`routePath: P47`). The login init call (`A41`) returns an empty `accountBalance` array — balances are only available after `P47`.
Account numbers and balances are returned by the **Select Profile** call (`routePath: P47`). For multi-profile users the `A41` login init call returns an empty `accountBalance` array and `P47` must be called for each profile to enumerate accounts.
> **Single-profile fast-path**: when the account has exactly one operating profile, the server returns `profileSelected: true`, `selectedProfileId`, and a populated `accountBalance` array directly in the `A41` response. In that case the `P47` call is **skipped** — see [02-login.md](02-login.md) and `MibLoginFlow.kt:150-184`.
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}
```
| Field | Description |
|---|---|
| `accountNumber` | Full account number |
| `accountBriefName` | Human-readable account label |
| `currencyCode` | ISO 4217 numeric (e.g. `"462"` = MVR, `"840"` = USD) |
| `currencyName` | ISO 4217 alpha (e.g. `"MVR"`, `"USD"`) |
| `accountTypeName` | Account type (e.g. `"Saving Account"`) |
| `availableBalance` | Spendable balance (decimal string) |
| `currentBalance` | Ledger balance (decimal string) |
| `blockedAmount` | Held/blocked funds — negative means funds are held |
| `settlementBalance` | Balance including pending settlements |
| `mvrBalance` | All balances converted to MVR for unified display |
| `transfer` | `"Y"` if usable as transfer source |
| `statusDesc` | Account status (e.g. `"Active"`) |
| `cif` | Customer Information File number |
| `template` | UI template ID |
| Field | Consumed | Description |
|---|---|---|
| `accountNumber` | yes | Full account number |
| `accountBriefName` | yes | Human-readable account label |
| `currencyName` | yes | ISO 4217 alpha (e.g. `"MVR"`, `"USD"`) |
| `accountTypeName` | yes | Account type (e.g. `"Saving Account"`) |
| `availableBalance` | yes | Spendable balance (decimal string) |
| `currentBalance` | yes | Ledger balance (decimal string) |
| `blockedAmount` | yes | Held/blocked funds. Server value is **signed** (negative = held). The app normalizes to a positive magnitude via `absBlockedAmount()` (`MibLoginFlow.kt:172, 194-197`). |
| `mvrBalance` | yes | All balances converted to MVR for unified display |
| `statusDesc` | yes | Account status (e.g. `"Active"`) |
| `currencyCode` | server-only | ISO 4217 numeric (e.g. `"462"` = MVR, `"840"` = USD) — present in payload but not read by the app |
| `transfer` | server-only | `"Y"` if usable as transfer source |
| `cif` | server-only | Customer Information File number |
| `template` | server-only | UI template ID |
| `branchName` | server-only | Branch name |
| `settlementBalance` | server-only | Balance including pending settlements |
> All balance fields are **decimal strings**, not numbers — parse with `Decimal` for precision.