thijooree/docs/bmlapi/05-userinfo.md

User Info and Session Health

Two endpoints for checking the current session and fetching the authenticated user's personal details.

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Profile Health Check

A lightweight call to verify that the access token is still valid. Returns HTTP 200 on success, 401/419 if expired.

GET https://www.bankofmaldives.com.mv/internetbanking/api/mobile/profile

Request

curl --request GET \
  --url 'https://www.bankofmaldives.com.mv/internetbanking/api/mobile/profile' \
  --header 'Authorization: Bearer <access_token>' \
  --header 'User-Agent: bml-mobile-banking/348 (Xiaomi; Android 14; 22101320I)' \
  --header 'x-app-version: 2.1.44.348'

Use this to probe the session before making more expensive calls. On 401 or 419, proceed to token refresh.

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User Info

Fetch personal details for the currently authenticated user.

GET https://www.bankofmaldives.com.mv/internetbanking/api/mobile/userinfo

Request

curl --request GET \
  --url 'https://www.bankofmaldives.com.mv/internetbanking/api/mobile/userinfo' \
  --header 'Authorization: Bearer <access_token>' \
  --header 'User-Agent: bml-mobile-banking/348 (Xiaomi; Android 14; 22101320I)' \
  --header 'x-app-version: 2.1.44.348'

Response

{
  "success": true,
  "payload": {
    "user": {
      "fullname": "MOHAMED ALI",
      "email": "user@example.com",
      "mobile_phone": "9600000001",
      "customer_number": "C0000001",
      "idcard": "A123456",
      "birthdate": "1990-01-01"
    }
  }
}

Field	Type	Description
fullname	string	Full name (typically uppercase)
email	string	Registered email address
mobile_phone	string	Registered mobile number
customer_number	string	BML internal customer ID (e.g. C0000001)
idcard	string	National ID card number
birthdate	string	Date of birth (YYYY-MM-DD)

Failure

{ "success": false }

Returns null payload if the account has no user info record, or success: false on any error.

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Loan Detail

Fetch extended details for a loan account. The {id} is the internal account ID (id field) from the dashboard response.

GET https://www.bankofmaldives.com.mv/internetbanking/api/mobile/account/{id}

Request

curl --request GET \
  --url 'https://www.bankofmaldives.com.mv/internetbanking/api/mobile/account/loan001' \
  --header 'Authorization: Bearer <access_token>' \
  --header 'User-Agent: bml-mobile-banking/348 (Xiaomi; Android 14; 22101320I)' \
  --header 'x-app-version: 2.1.44.348'

Response

{
  "success": true,
  "payload": {
    "loanAmount": 50000.00,
    "outstandingAmt": -30000.00,
    "repayAmount": 1500.00,
    "intRate": 8.5,
    "loanStatus": "Active",
    "startDate": "2023-10-26T00:00:00+05:00",
    "endDate": "2026-10-26T00:00:00+05:00",
    "noOfRepayOverdue": 0,
    "overdueAmount": 0.00
  }
}

Field	Type	Description
loanAmount	number	Original loan principal
outstandingAmt	number	Outstanding balance — returned as a negative number; use abs() for display
repayAmount	number	Periodic repayment amount
intRate	number	Interest rate (percentage)
loanStatus	string	Status string (e.g. "Active")
startDate	string	Loan start date (ISO 8601)
endDate	string	Loan end date (ISO 8601)
noOfRepayOverdue	number	Number of overdue repayments
overdueAmount	number	Total overdue amount

On 401/419 the session has expired — attempt token refresh.

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