Accounts

Accounts hold transactions and balances. Accounts created through the API are always manual (unlinked) accounts; accounts connected to a bank feed appear with "linked": true and cannot be created or deleted via the API.

The account object

{
  "id": "k4859a...",
  "name": "Chase Checking",
  "type": "banking_checking",
  "on_budget": true,
  "balance": "1520.75",
  "cleared_balance": "1480.75",
  "pending_balance": "40.00",
  "closed": false,
  "notes": null,
  "linked": false,
  "last_reconciled_at": null,
  "created_at": "2026-01-12T15:04:05.000Z",
  "updated_at": "2026-07-01T09:30:00.000Z"
}

on_budget is true for banking and credit accounts (they participate in envelope budgeting) and false for investment and loan accounts.

List accounts

GET /v1/workspaces/{workspace_id}/accounts

Query parameter	Type	Description
`include_closed`	boolean	Include closed accounts. Default `false`.

Get an account

GET /v1/workspaces/{workspace_id}/accounts/{account_id}

Create an account

POST /v1/workspaces/{workspace_id}/accounts

curl -X POST https://api.kualia.com/v1/workspaces/WORKSPACE_ID/accounts \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Emergency Fund",
    "type": "banking_savings",
    "initial_balance": "5000.00",
    "initial_balance_date": "2026-07-01"
  }'

Field	Type	Required	Description
`name`	string	yes	Display name
`type`	string	yes	Account type (see below)
`initial_balance`	string	no	Starting balance as a decimal string
`initial_balance_date`	string	no	Date of the starting balance (`YYYY-MM-DD`, defaults to today)

Account types — banking_checking, banking_savings, banking_cash, banking_cash_management, banking_money_market, banking_cd, banking_other, credit_credit_card, credit_line_of_credit, credit_other, investment_brokerage, investment_401k, investment_ira, investment_roth_ira, investment_roth_401k, investment_hsa, investment_sep_ira, investment_simple_ira, investment_keogh, investment_529_plan, investment_403b, investment_other, loan_auto, loan_business, loan_commercial, loan_construction, loan_home_equity, loan_mortgage, loan_student, loan_other.

Update an account

PATCH /v1/workspaces/{workspace_id}/accounts/{account_id}

Field	Type	Description
`name`	string	Rename the account
`notes`	string	Set the account notes
`closed`	boolean	`true` closes the account (reconciles its cleared transactions), `false` reopens a closed one

Delete an account

DELETE /v1/workspaces/{workspace_id}/accounts/{account_id}

Only accounts with no active transactions can be deleted — otherwise the request fails with 400. Close the account instead if it has history you want to keep.

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The account object

List accounts

Get an account

Create an account

Update an account

Delete an account

​The account object

​List accounts

​Get an account

​Create an account

​Update an account

​Delete an account

The account object

List accounts

Get an account

Create an account

Update an account

Delete an account