Q:
We got a report from one of our clients that a booking_date for one particular transaction initially was 2024-11-07, but then after a few hours changed to 2024-11-08. Why is that?
A:
A booking_date may vary depending on whether the transaction is temporarily posted to the account at weekends (or after business hours) or permanently posted to the account after weekend on next banking day (during following night).
Q:
We use Instant Reporting API in Finland. We observe that some transactions change their booking date between the time we first fetch them from the API and when we later receive them in the CAMT file. For example:
GET /corporate/premium/v4/accounts/FI38***145-EUR/transactions?from_date=2025-08-26&to_date=2025-08-26&continuation_key=OR-3-00***548-1 HTTP/1.1
ResponseDate: Tue, 26 Aug 2025 18:00:50 GMTX-Global-Transaction-Id: e2b3***91d2
{"group_header": {"message_identification": "157145e0816a1681","creation_date_time": "2025-08-26T18:00:50.214789787Z",...},"response": {"transactions": [{"currency": "EUR","status": "billed","reference": "79***13","amount": "30.00","transaction_id": "GSC***002","archive_code": "GSC***002","booking_date": "2025-08-26","value_date": "2025-08-26","type_description": "Viitemaksu","counterparty_name": "RA***AVI","transaction_date": "2025-08-26","payment_date": "2025-08-26"}
When we first retrieved this transaction from the API, the booking_date was set to 2025-08-26. However, in the corresponding CAMT file, the same transaction had a booking_date of 2025-08-27. If we fetch the transaction again today from the API, the booking_date has also changed to 2025-08-27. Why is the date changing?
A:
The reason behind the booking date changing is that preliminary bookings appear immediately, even if the transaction is not finally booked in the system until the next day. When the transaction is finally booked, the booking date may change.
When using Instant Reporting API, you fetch instant transaction information. During the evening, Nordea's Finnish system begins updates across all systems. During this time, a transaction you fetched earlier with today's date will be fully booked in our system and may change date. The initial state shows a pre-booked transaction. The files only show the day after the booking date because the files are created after all systems have been updated. For both booking and reconciliation of transactions, we recommend checking not only the date but also the reference.
Q:
Regarding SE accounts, the booking date in the API is different from what is in the CAMT file even after we have received the CAMT file - many days after the payment took place. Why is that?
An example below:
###
GET https://open.nordea.com/corporate/premium/v4/accounts/SE8***7-SEK/transactions?from_date=2025-12-06&to_date=2025-12-06&continuation_key=NjY4MDo2***M1Q%3D
HTTP/1.1 200 OK...
{"group_header": {"message_identification": "032b0d0f347b1692","creation_date_time": "2025-12-09T11:01:28.823538938Z","http_code": 200},"response": {"transactions": [{"currency": "SEK","narrative": "I***w","message": "Z***w","status": "billed","reference": "04***40","amount": "100.00","transaction_id": "2025-12-06-00.***8","booking_date": "2025-12-06","value_date": "2025-12-08","type_description": "Ö***a","counterparty_name": "***","counterparty_address": "***","counterparty_bank_name": "***","payment_date": "2025-12-06","balance_after_transaction": "3358713.66"}
###
<Ntry><NtryRef>1234</NtryRef><Amt Ccy="SEK">100.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><Sts>BOOK</Sts><BookgDt><Dt>2025-12-08</Dt></BookgDt><ValDt><Dt>2025-12-08</Dt></ValDt><AcctSvcrRef>20***42</AcctSvcrRef><BkTxCd><Domn><Cd>XTND</Cd><Fmly><Cd>NTAV</Cd><SubFmlyCd>NTAV</SubFmlyCd></Fmly></Domn></BkTxCd><NtryDtls><TxDtls><Refs><AcctSvcrRef>20***42</AcctSvcrRef></Refs><AmtDtls><TxAmt><Amt Ccy="SEK">100.00</Amt></TxAmt></AmtDtls><RmtInf><Ustrd>In***rw</Ustrd></RmtInf></TxDtls></NtryDtls></Ntry>
###
A:
The different booking dates are due to different handling of weekend transactions. If a payment is credited at the weekend, the Instant Reporting API will report the booking dates at the weekend (Saturday, Sunday and bank holidays). In the CAMT files, weekend transactions will instead be reported with booking dates on the next business day.
In your example, 6 December 2025 was a Saturday. The Instant Reporting API therefore received the booking date as 6 December 2025, whilst the CAMT file reported the booking date on the following Monday, 8 December 2025.
Q:
Regarding SE accounts, will the API report a different booking date from the CAMT file on Monday, even after the CAMT file has been delivered to us?
A:
The booking date provided by the API will remain unchanged. If a transaction takes place on a Saturday, the Instant Reporting API will continue to report Saturday as the booking date for that transaction, even on Monday or any subsequent day.
Note: The API will show the same booking date on your transactions as you see as the "booked date" in Corporate Netbank's Daily Balances view, where transactions that occurred at weekends are also displayed at the weekend rather than on the following business day.