Pull your Business Online balances into your own systems

What you can build on Business Online

• Get account balances

  Build this

  Reads the single view of online balances, with every account your profile can see on one screen.

  Takes

  Nothing

  Returns

  Company, account name, account number, currency, current balance, available balance

• Get statement transactions

  Build this

  Reads the intra-day or the end-of-day statement for one account over a date range within the 180-day statement history.

  Takes

  Account number, from date, to date, intra-day or end-of-day

  Returns

  Date, description, reference, debit, credit, running balance, opening and closing balance

• List orders awaiting approval

  Build this

  Reads Order Management for the payment and transfer orders that are captured and waiting for someone to approve or delete them.

  Takes

  Account number (optional)

  Returns

  Order reference, type, from account, beneficiary, amount, currency, captured by, captured date

• Approve an order

  Build this

  Opens one order in Order Management and approves it, with the rights of your own Business Online user.

  Takes

  Order reference

  Returns

  Order reference, status, amount, beneficiary

Automate Business Online with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

• Morning balances for every account

  Build this

  Starts

  Every weekday at 7:00, Johannesburg time

  Step 1

  Get the balance of every account your profile can see.

  Step 2

  Group the accounts by company and currency.

  Step 3

  Email you the balances, one section per company.

• Yesterday's end-of-day statement, sent to accounting

  Build this

  Starts

  Every day at 6:30, Johannesburg time

  Step 1

  For each account you name, get yesterday's end-of-day statement transactions.

  Step 2

  Keep the transactions that were not there on the last run.

  Step 3

  Post them, with the opening and closing balance, to your accounting system's webhook.

• Orders still waiting for approval

  Build this

  Starts

  Every weekday at 11:00, Johannesburg time

  Step 1

  List the orders awaiting approval in Order Management.

  Step 2

  Stop when there are none.

  Step 3

  Email you each order's reference, beneficiary, amount and who captured it.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get account balances” would look like.

curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "businessonline.standardbank.co.za/get_account_balances",
    "input": {}
  }'

{
  "status": "completed",
  "data": {
    "as_at": "2026-11-12T07:00:00+02:00",
    "accounts": [
      {
        "company": "Acme Trading (Pty) Ltd",
        "account_name": "Acme Current Account",
        "account_number": "000123456",
        "currency": "ZAR",
        "current_balance": 1284310.55,
        "available_balance": 1209310.55
      }
    ],
    "count": 1
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

Business Online’s own options

Standard Bank offers Host to Host Corporate Swift for direct access from your ERP system, 24 hours a day, and its OneHub API Marketplace lists account verification, foreign exchange and money market APIs, with access requested through your relationship manager. The OneHub page lists no statement or payment APIs for Business Online, and no prices.

Read on November 12, 2026: About Business Online, OneHub API Marketplace, Balance and Statements.

Signing in to Business Online

Business Online asks for two passwords at every logon: your own password and a six-digit one-time password from your token. New users get one-time passwords by SMS until their token arrives. With Fous you sign in through Business Online's own sign-in with your own account. The login is sealed with AES-256, and code and AI agents never see it.

Worth knowing

180 days of statement history

The statement history period is 180 days. Full end-of-day statements cover everything posted since the last statement cut-off.

Late payments wait for the next business day

Payment instructions captured after the day's published cut-off time are warehoused and released on the next business day. Payments can be created up to 30 days in advance.

Approvals follow your company's setup

Changes follow the authorisation process your company has configured, and staff access to balances and statements can be restricted.

Three wrong token codes suspend it

Each token code is valid for about 32 seconds. Three incorrect entries suspend the token until Business Online resynchronises it, and a token belongs to one operator only.

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