import { Callout } from "zudoku/ui/Callout"; # Bank balance and balance chart Bank balance, Refresh Balance and the balance chart in 365 business Banking: compare the balance at the bank with the one in Business Central. Business Central calculates the balance from your posted bank account ledger entries. Your bank keeps its own balance. If the two differ, something is missing from a payment reconciliation journal or was posted differently. 365 business Banking therefore shows both values side by side: the **Balance** from Microsoft Dynamics 365 Business Central and the **Bank Balance** your bank reports. ## Bank balance The **Bank Balance** field on the bank account card shows the balance your bank last reported, not the balance of the posted bank account ledger entries. As soon as a balance is stored, the caption contains the date it belongs to, for example *Bank Balance (09/24/2026)*. This shows how current the balance is. The bank balance is a stored value, not a live value. It is refreshed: - when the bank account card is opened and the stored balance is not from today, so at most once a day, - whenever bank transactions are retrieved, - on demand with **Refresh Balance**. When the bank account card is opened, Business Central reads the balance that the service already has. This does not place a new order at the bank: for PSD2/XS2A via finAPI it is the balance that finAPI last received from the bank, for EBICS and camt files the closing balance of the last statement. If the service cannot be reached, the card opens anyway. If the refresh fails, when the card is opened or when bank transactions are retrieved, the last stored balance is kept with its date. ### Where the bank balance comes from per bank connection | Bank connection | Bank balance | |---|---| | PSD2/XS2A via finAPI (*SEPA Bank Account*) | the balance finAPI last received from the bank | | EBICS (*SEPA Bank Account (EBICS)*) | the closing balance of the last statement read | | camt file (*Bank Account (camt File Import)*) | the closing balance of the last imported file | | payment service providers, Universal | no bank balance | For a file account, the same value is also shown in the **ISO 20022 File Setup** as **Last Statement Balance**. See [Import a statement](../connections/iso20022-file/import-statement.mdx). ## Refresh balance 1. Open the **Bank Account Card**. 2. Choose **Actions** > **Banking Provider** > **Refresh Balance**. Business Central requests a current balance from the service and stores it. The action is only enabled when the account's service reports balances. If you choose it on an account without such a service, Business Central reports: "Bank account … is not connected to a service that reports balances." | Bank connection | What Refresh Balance does | |---|---| | PSD2/XS2A via finAPI | finAPI updates the account at the bank, then the balance is read. | | EBICS | Business Central requests the intraday report from the bank and takes the balance from it. Because this is an order at the bank, it happens only on demand. If the bank reports no data, the stored balance is kept. This is usual outside business hours and always the case when your EBICS contract does not include intraday reports. | | camt file | There is no bank that can be queried. The balance comes from the next imported file. | ## Balance chart The **Balance** FactBox is on the bank account card and in the **Bank Accounts** list. It shows six periods for the bank account: - **Income** and **Expenses** as columns: the debit and credit amounts of the period's bank account ledger entries, - **Balance** and/or **Balance to Date** as a line, depending on the **Bank Account Chart Balance Type** setting (see below). The chart shows values from the posted bank account ledger entries only. You find the bank balance with its date on the bank account card. The chart determines the **period length** automatically based on the oldest bank account ledger entry: if there are entries older than six months, it shows months; for entries older than six weeks, weeks; otherwise days. Clicking a data point opens the **Bank Account Ledger Entries** of this account for that period. ![The bank account card of an EBICS account, on the right the Balance FactBox with Balance, Expenses and Income for six months and below it the Capabilities FactBox](/assets/images/365-business-banking/bank-accounts/banking-interfaces.en-US.png) ### In the role center In the **Accountant** and **Business Manager** role centers, the same chart appears as the **Balance** part, with the bank account's name in the heading. Use **Previous Bank Account** and **Next Bank Account** to page through your bank accounts. See [Role center actions for banking](../role-center-actions.mdx). ## Bank account chart balance type Which balance line the chart shows is set for all bank accounts of the company in **Banking Setup**, **General** FastTab: | Value | What the line shows | |---|---| | *Period Balance* (default) | the change within the period: income minus expenses. Suitable for seeing whether income exceeded expenses in a month. | | *Balance to Date* | the account balance at the end of the period, accumulated over all bank account ledger entries up to that point. Suitable for comparison with the bank balance. | | *Both* | both lines. | If the balance to date on the date of the bank balance differs from the bank balance, transactions are missing in Business Central or transactions were posted twice. Check open payment reconciliation journals and the **Last Statement Date** (see [Bank account card](bank-account-card.mdx)). If the account posts through a transit account, compare with **Balance excl. Transit** (see [Transit account](../transit-account.mdx)). ## See also - [Bank account card](bank-account-card.mdx) - [Banking Setup](../setup/banking-setup.mdx) - [Transit account](../transit-account.mdx)