A cardholder performed an ATM balance inquiry, or an account balance is being reported for the day or month. Event code AABI is for the ATM balance inquiry, BBAL is for the daily balance report, and BMON is for the monthly balance report.

The Galileo process that reports daily balances runs every morning from 03:00–04:00 MST. When PDBAL is set, BBAL is sent only after the first deposit has been made to the account. Also see BNEG: neg_bal, which you can enable to notify about negative balances only, leaving BBAL for positive and zero balances.

  • Event trigger — One of these things happens:
    • AABI — You or Galileo approve an ATM balance inquiry.
    • BBAL — The account has a positive balance today (if MPNEG is set) or the daily balance is being reported.
    • BMON — The monthly balance is being reported.
  • Processes — These processes contain the event trigger:
    • AABI — Incoming ATM balance inquiry
    • BBAL — Internal process that reports daily balances
    • BMON — Internal process that reports monthly balances


All fields are strings. Your field names may vary. Default fields are included in the default webhook template. See Default and optional fields for more information.

Field Default Description

For debit accounts, the open_to_buy plus available overdraft. Example: "143.11"


For credit accounts, the available credit limit to spend. Example: "432.00"

balance_id X

The balance ID, also called the galileo_account_number. Example: "20211"


BBAL and BMON only. Galileo-generated card ID. Example: "12534"


For credit accounts, the total amount of unpaid purchases and advances. Example: "325.00"

msg_event_id X

Unique Galileo-generated identifier for this message. Example: "243693"


The four-letter code to identify this event. Example: "BBAL"

open_to_buy X

The available balance to spend. Example: "500.00"


BBAL and BMON only. The exact date-time at which open_to_buy was captured. Format: YYYY-MM-DD hh:mm:ss.ssssss Example: "2025-03-17 14:06:50.243654"

pmt_ref_no X

Galileo 12-digit payment reference number (PRN) for the account. Example: "999101003022"

prod_id X

The product ID of the account. Example: "1701"

prog_id X

The program ID of the account. Example: "305"

timestamp X

Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: YYYY-MM-DD hh:mm:ss MST Example: "2025-01-31 17:20:33 MST"

type X

The name of this event: "bal"


BBAL and BMON only. Populated according to your use case and needs by arrangement with Galileo.


# bal example:
  "avail_cash": "143.11",
  "avail_credit": "432.00",
  "balance_id": "20211",
  "cad": "12534",
  "credit_balance": "325.00",
  "msg_event_id": "243693",
  "msg_id": "BBAL",
  "open_to_buy": "500.00",
  "opentobuy_ts": "2025-03-17 14:06:50.243654",
  "pmt_ref_no": "999101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "timestamp": "2025-01-31 17:20:33 MST",
  "type": "bal"