Balance activity report
The Balance activity report is a detailed record of the transactions that affect the balance of your Airwallex account. This report helps you to track changes to your account balance and reconcile your balance at the end of each month.
This report has always given you a complete, reconcilable view of your Account balance. From v1.2.0, you can also include the transactions that affect your Available balance before they post to your Account balance (such as pending card purchases). See Transactions that affect your Available balance.
The Balance activity report is currently on version 1.2.0, fully released in June 2026. In v1.2.0, you can reconcile against your Available balance: use the Balance to reconcile filter to include the transactions that affect your Available balance before they post to your Account balance, such as pending card authorizations and pending Payment Acceptance refunds. With these included, the report shows a running Available balance that reconciles end to end. To reconcile against your Account balance only, select Account balance only in the Balance to reconcile filter. This excludes payment reserve and release records and card authorizations, showing only the transactions posted to your Account balance.
Balance activity report v1.2.0 is available in the web app, on the Reports tab, and through the Financial Reports API.
For details on earlier versions, see Balance activity report v1.1.0 and Balance activity report v1.0.0.
Report data
You can download the report in CSV, Excel and PDF formats. You have the flexibility to download the report for a single currency or for all currencies, and to filter based on the transaction type.
| Field name | Description |
|---|---|
| Time | The time of the balance change (in ISO 8601 format). |
| Type | The type of the transaction that led to this balance change. For example, PAYOUT, CONVERSION or CARD. |
| Financial Transaction Type | The type of the financial transaction that changed the Account balance. For example PAYOUT, CONVERSION_SELL or CARD_PURCHASE. One transaction can involve multiple financial transactions, for example, a CONVERSION involves CONVERSION_SELL and CONVERSION_BUY financial transactions. |
| Transaction Id | The identifier for the transaction. |
| Description | A description of the balance change. |
| Wallet Currency | The currency in which the balance change occurred (in 3-letter ISO-4217 format). |
| Target Currency | For transactions involving a conversion of funds, the non-Wallet currency (in 3-letter ISO-4217 format). Available for CONVERSION and multi-currency CARD transactions. |
| Target Amount | The amount of the transaction in the Target Currency. |
| Conversion Rate | The rate used to convert funds between the Target Currency and Wallet Currency. |
| Mature Date | For CONVERSION transactions, the mature date of the conversion (in ISO 8601 format). |
| Amount | The amount of the transaction, in the Wallet Currency, before fees are applied. Note: the amount is positive for both credit and debit transactions. |
| Fee | The amount of any fees included in the balance change, specified in the Wallet Currency. Note: for transactions where fees are recorded as a separate balance change, the fee will not be included in this field. |
| Debit Net Amount | For debit balance changes, the amount of the balance change in the Wallet Currency. |
| Credit Net Amount | For credit balance changes, the amount of the balance change in the Wallet Currency. |
| Available Balance | The Available balance, in the Wallet Currency, after the balance change. Note: the Balance Activity Report does not capture all changes in the Available balance. |
| Account Balance | The Account balance, in the Wallet Currency, after the balance change. |
| Created At | The date and time that the transaction was created (in ISO 8601 format). For transactions that settle instantly, this will be the time of the balance change (see Time field). For other transactions, this will be the time the transaction was initiated. |
| Request Id | The unique identifier specified in the transaction creation request. |
| Reference | The transaction reference visible to both parties. |
| Note | A transaction reference only visible to your account. |
Transactions that affect your Available balance
The report includes a Balance to reconcile filter that controls which balance you reconcile against. To reconcile against your Account balance only, select Account balance only. This excludes payment reserve and release records and card authorizations, so the report shows only the transactions posted to your Account balance. To reconcile against your Available balance, include the transactions that affect it before they post to your Account balance.
When Available balance transactions are included, the report also includes reserve hold and release records. A hold reserves funds (recorded as a debit) and a matching release frees them again (recorded as a credit) once the underlying transaction settles or is canceled. These records appear with the following values in the Financial Transaction Type column:
| Financial Transaction Type | Type | Description |
|---|---|---|
CARD_AUTHORISATION | CARD | Funds held for a pending card authorization. |
CARD_AUTHORISATION_RELEASE | CARD | Previously held card authorization funds released. |
PAYIN_REFUND_HOLD | PAYIN | Funds reserved for a Payment Acceptance refund. |
PAYIN_REFUND_RELEASE | PAYIN | Reserved Payment Acceptance refund funds released. |
PAYMENT_RESERVE_HOLD | PAYIN | Funds reserved for a payment or batch settlement. |
PAYMENT_RESERVE_RELEASE | PAYIN | Reserved payment funds released. |
Reports for Account Groups
When Balance activity reports are generated for an Account Group, one CSV or Excel file will be generated for each legal entity and these files will be returned in a .zip format.
In addition to the standard content of the report, Balance activity reports will include:
- A Legal Entity field in the header and one header row per account owned by the legal entity
- An Account Id field in the report’s content denoting the account associated with the financial transaction.
Balance Activity Report v1.1.0
Version 1.1.0 was released in August 2024. Enhancements made in v1.1.0 to improve the usability of the reports include:
- Fees for payout transactions created after November 21, 2024 (August 14 for some accounts) will be recorded as a separate balance change.
- When creating a report for multiple currencies, conversions will be shown as two records, one recording the debit in the sell currency and the other recording the credit in the buy currency.
- Amounts for batch settlements now show the change in your Account balance, consistent with other transaction types, enabling accurate reconciliation of your Account balance.
- New Reference and Note columns.
The report fields for v1.1.0 are the same as the current version. See Report data.
Balance Activity Report v1.0.0
Version 1.0.0 of the report contains details of each balance activity. The columns are described below.
| Field name | Description |
|---|---|
| Time | The time of the balance change (in ISO 8601 format). |
| Type | The type of the transaction that led to this balance change. For example, PAYOUT, CONVERSION or CARD. |
| Financial Transaction Type | The type of the financial transaction that changed the Account balance. For example PAYOUT, CONVERSION_SELL or CARD_PURCHASE. One transaction can involve multiple financial transactions, for example, a CONVERSION involves CONVERSION_SELL and CONVERSION_BUY financial transactions. |
| Transaction Id | The identifier for the transaction. |
| Description | A description of the balance change. |
| Wallet Currency | The currency in which the balance change occurred (in 3-letter ISO-4217 format). |
| Target Currency | For transactions involving a conversion of funds, the non-Wallet currency (in 3-letter ISO-4217 format). Available for CONVERSION and multi-currency CARD transactions. |
| Target Amount | The amount of the transaction in the Target Currency. |
| Conversion Rate | The rate used for the conversion between the Target Currency and Wallet Currency. |
| Mature Date | For CONVERSION transactions, the mature date of the conversion (in ISO 8601 format). |
| Amount | The amount of the transaction, in the Wallet Currency, before fees are applied. Note: the amount is positive for both credit and debit transactions. |
| Fee | The amount of any fees included in the balance change, specified in the Wallet Currency. Note: for transactions where fees are recorded as a separate balance change, the fee will not be included in this field. |
| Debit Net Amount | For debit balance changes, the amount of the balance change in the Wallet Currency. |
| Credit Net Amount | For credit balance changes, the amount of the balance change in the Wallet Currency. |
| Available Balance | The Available balance, in the Wallet Currency, after the balance change. Note: the Balance Activity Report does not capture all changes in the Available balance. |
| Account Balance | The Account balance, in the Wallet Currency, after the balance change. |
| Created At | The date and time that the transaction was created (in ISO 8601 format). For transactions that settle instantly, this will be the time of the balance change (see Time field). For other transactions, this will be the time the transaction was initiated. |
| Request Id | The unique identifier specified in the transaction creation request. |