Create Overdraft

This API sends an Overdraft request for a customer

To create an overdraft, you first need to build the complete create overdraft endpoint by passing version in to the url path and authtoken in the query params.

Then pass AccountNumber, Limit, Tenure, CommencementDate, CollateralType and other required payload in the request body.

We have a Production URL and Staging URL you are advised to use the staging during development.

Production URL

http://api.mybankone.com/BankOneWebAPI/api/Overdraft/Create/version?authToken={{auth_token}}

Staging URL

http://staging.mybankone.com/BankOneWebAPI/api/Overdraft/Create/version?authToken={{auth_token}}

Here is an example request with sample payload to the staging endpoint.

POST http://staging.mybankone.com/BankOneWebAPI/api/Overdraft/Create

Path Parameters

Name	Type	Description
version*	Int	Current API version

Query Parameters

Name	Type	Description
authtoken*	String	Auth token for this request

Request Body

Name	Type	Description
AccountNumber*	String	Customer Account number to be granted an Overdraft
Limit*	long	This is the maximum amount the customer can overdraw in naira.
Tenure *	Int	Duration in which the overdrawn amount is authorized
CommencementDate*	Date	Overdraft start date (if a future date is specified, overdraft will be inactive till said date)
CollateralType	String	The type of asset deposit as collateral (eg Automobile, Forestry, Agriculture)
SecurityPledged*	String	The description of the asset pledged as collateral (eg 2yrs old Benz S500...)
InterestRate*	Int	Interest rate in which the interest amount will be calculated (specify –1 to use the rate in the interest ID. )
InterestId*	Int	ID of the applicable interest configuration (see before for the endpoint to get this). Override the rate attached to this interest by specifying a value other than –1 in InterestRate.
FeeId*	Int	ID of the applicable fee attached to this OD (see before for the endpoint to get list of all fees configured on bankone.)

200: OK

{
    
 "IsSuccessful": true,
 "CustomerIDInString": null,
 "Message": "Overdraft created successfully",
 "TransactionTrackingRef": null,
 "Page": null


}