During or after connecting your business bank account via Open Banking, you may notice that the balance shown in the Credicorp portal differs slightly from the balance visible in your banking app. This is usually expected behaviour.
Why balances can differ
Pending transactions
Bank account balances include both settled and pending transactions. Open Banking APIs typically show the available balance or the cleared balance — different banks surface different values. If there are pending outgoing transactions (for example, payments authorised but not yet cleared), your bank's app may show a lower available balance than the "ledger" balance provided to Open Banking.
Data retrieval timing
Open Banking data is retrieved at a point in time when you authorise the connection. If transactions post to your account after that moment, the balance in Credicorp's portal will be behind. The data is not live — it was captured during the connection.
Credit facilities included in bank balance
Some bank apps show your "available balance" including your overdraft facility. Open Banking typically returns the actual account balance, not the combined available-with-overdraft figure.
Does this affect my application or assessment?
Credicorp uses your full transaction history for assessment — not a single snapshot balance. Minor balance discrepancies between our portal display and your banking app are unlikely to affect the decision. If the discrepancy is significant and you are concerned, contact us using the General Support Enquiry form.
If the data appears to be from the wrong account
If the balance shown looks like it might be from a different account (for example, a personal account rather than your business account), contact us immediately. We can disconnect the incorrect account and guide you through reconnecting the correct one.
See also: Open Banking connection failed, First-time connecting your bank via Open Banking, How Credicorp uses Open Banking data.