---
title: Financial_insight (V1.1)
slug: ki/financialinsight-v11
description: Learn how to access and analyze financial data using this comprehensive document featuring example responses in JSON format. Explore various account details like bank information, account balances, cash flow analysis, credit analysis, credit card spending
docTags: 
createdAt: 2022-07-21T04:39:54.000Z
---

**Example responses**

```json
{
    "code": 200,
    "msg": "ok",
    "report_time": "2022-03-03 09:45:54",
    "data": {
        "enquiry_cpf":"12345678901",
        "user_consent":"Yes",
        "allow_autoupdate":"No",
        "connection_key":"gPuKXrCJU0kUDQO65J4k",
        "connection_id":"f45c899f-11eb-231f-97c4-4b2c16484587",
        "institution_id":"341",
        "report_type":"financial_insight",
        "report_id":"4b2c1648-231f-11eb-97c4-f45c899f4593",
        "report_version": "V1.1",
        "financial_insight": [
            {
                "bacen_id": "033",
                "bacen_name": "BANCO SANTANDER (BRASIL) S.A.",
                "bank_name": "Santander",
                "agency_number": "1076",
                "account_number": "01.01234.4",
                "cpf_verified": "01234567890",
                "account_holder": "JOHN DOE",
                "days_covered": 0,
                "cashflowAnalysis": [
                    {
                        "checking_account_balance": 0,
                        "avg_daily_balance_last_180_days": -1,
                        "avg_daily_balance_last_30_days": -1,
                        "avg_daily_balance_last_60_days": -1,
                        "avg_daily_balance_last_90_days": -1,
                        "inflow_last_180_days": -1,
                        "inflow_last_30_days": -1,
                        "inflow_last_60_days": -1,
                        "inflow_last_90_days": -1,
                        "outflow_last_180_days": -1,
                        "outflow_last_30_days": -1,
                        "outflow_last_60_days": -1,
                        "outflow_last_90_days": -1,
                        "saving_account_balance": -1
                    }
                ],
                "creditAnalysis": [
                    {
                        "overdraft_limit": 0,
                        "preapproved_loan": 0
                    }
                ],
                "creditcardSpending": [
                    {
                        "card_holder": "JOHN DOE",
                        "card_last_4_digit": "1096",
                        "card_type": "SANTANDER SX MASTER",
                        "credit_limit": 0.01,
                        "closed_bills_covered": 6,
                        "open_bill_balance": 0,
                        "last_closed_bill": -205.48,
                        "avg_last_3_closed_bills": -205.48,
                        "days_covered": 180,
                        "has_late_payment": "No",
                        "pay_bills_in_installment": "No"
                    }
                ],
                "financialProfile": [
                    {
                        "additional_overdraft_interest": 0,
                        "atm_withdrawal": 0,
                        "has_inss": "No",
                        "has_iptu_payment": "No",
                        "has_ipva_payment": "No",
                        "has_returned_cheque": "No",
                        "has_severance": "No",
                        "iof": 0,
                        "overdraft_interest": 0
                    }
                ]
            },
            {
                "bacen_id": "033",
                "bacen_name": "BANCO SANTANDER (BRASIL) S.A.",
                "bank_name": "Santander",
                "agency_number": "1076",
                "account_number": "01.12345.2",
                "cpf_verified": "01234567890",
                "account_holder": "JOHN DOE",
                "days_covered": 0,
                "cashflowAnalysis": [
                    {
                        "checking_account_balance": 0,
                        "avg_daily_balance_last_180_days": -1,
                        "avg_daily_balance_last_30_days": -1,
                        "avg_daily_balance_last_60_days": -1,
                        "avg_daily_balance_last_90_days": -1,
                        "inflow_last_180_days": -1,
                        "inflow_last_30_days": -1,
                        "inflow_last_60_days": -1,
                        "inflow_last_90_days": -1,
                        "outflow_last_180_days": -1,
                        "outflow_last_30_days": -1,
                        "outflow_last_60_days": -1,
                        "outflow_last_90_days": -1,
                        "saving_account_balance": -1
                    }
                ],
                "creditAnalysis": [
                    {
                        "overdraft_limit": 0,
                        "preapproved_loan": 0
                    }
                ],
                "creditcardSpending": null,
                "financialProfile": [
                    {
                        "additional_overdraft_interest": 0,
                        "atm_withdrawal": 0,
                        "has_inss": "No",
                        "has_iptu_payment": "No",
                        "has_ipva_payment": "No",
                        "has_returned_cheque": "No",
                        "has_severance": "No",
                        "iof": 0,
                        "overdraft_interest": 0
                    }
                ]
            }
        ]
    }
}
```