# Account Balance
source: https://developer.mastercard.com/open-finance-au/documentation/products/account-balance/index.md

Tip: Accessing user data (account data, transactions, reports, etc.) requires user consent. For more about consent please check the [consent](https://developer.mastercard.com/open-finance-au/documentation/consent/index.md) page. Use the Get Customer Account Balance endpoints to retrieve a customer's available and cleared balances. Two endpoint versions are available: **Live** and **Cached** . Choose the one that fits your use case:

<br />

* Use the **Live endpoint** for real-time balance data from the financial institution.
* Use the **Cached endpoint** for lower latency or when the financial institution is unavailable. Cached data updates during automated batches, when account data is refreshed, or after a successful Live endpoint call.

The following Mastercard deposit account types are supported:

* `transactionAndSavings` (transaction accounts)
* `cd` (term deposit)

Account balance data is also included in responses from the [Get Customer Accounts](https://developer.mastercard.com/open-finance-au/documentation/access-and-config/accounts/index.md) endpoint.

### Get Available Balance --- Live {#get-available-balance--live}

Retrieves real-time available and cleared balances for a single customer account from the financial institution. Use this endpoint:

* To ensure the most up-to-date balance.
* To initialize caching for future use of the Cached endpoint.


API Reference: `GET /aggregation/v1/customers/{customerId}/accounts/{accountId}/availableBalance/live`

### Get Available Balance --- Cached {#get-available-balance--cached}

Retrieves the latest **cached** available and cleared balances for a single customer account. This endpoint is ideal when:

* A connection to the financial institution is unavailable.
* A low latency response is required.
* A balance has previously been obtained via the Live endpoint, during an automated batch or during a refresh.


API Reference: `GET /aggregation/v1/customers/{customerId}/accounts/{accountId}/availableBalance`

Note: The Cached endpoint returns a `404` error if the account balance hasn't been retrieved and cached. To get the balance for the first time, use the Refresh Customer Accounts by Institution Login API or call the Live endpoint.