# Pull your Business Online balances into your own systems > Read balances across all your accounts, statement transactions and the orders waiting in Order Management with one API call each. A workflow can pass yesterday's end-of-day statement to accounting every morning. Page: https://fous.com/automate/standard-bank-business-online Updated: 2026-11-12 Works with your own Standard Bank Business Online account. Fous is an independent product. ## What you can build on Business Online ### Get account balances 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 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 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 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](/product/workflows) 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 Starts: Every weekday at 7:00, Johannesburg time 1. Get the balance of every account your profile can see. 2. Group the accounts by company and currency. 3. Email you the balances, one section per company. ### Yesterday's end-of-day statement, sent to accounting Starts: Every day at 6:30, Johannesburg time 1. For each account you name, get yesterday's end-of-day statement transactions. 2. Keep the transactions that were not there on the last run. 3. Post them, with the opening and closing balance, to your accounting system's webhook. ### Orders still waiting for approval Starts: Every weekday at 11:00, Johannesburg time 1. List the orders awaiting approval in Order Management. 2. Stop when there are none. 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](/product/methods), 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. Example request: ``` 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": {} }' ``` Example response: ``` { "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. | Option | What it covers | What it takes | | --- | --- | --- | | Host to Host Corporate Swift | Direct access to the bank from your ERP system, 24 hours a day. | The About Business Online page gives no requirements or prices. | | OneHub API Marketplace | Account Verification Service, Foreign Exchange APIs and Money Market APIs, plus partner APIs for KYC and credit checks. | Access requested through your relationship manager or by email, then registration with a username and password. | | Business Online by hand | Balances, intra-day and end-of-day statements with 180 days of history, payments, bulk uploads, collections and Order Management. | An active Standard Bank or Stanbic transaction account, sign-up through a bank representative, and a token per user. | Read on November 12, 2026: [About Business Online](https://businessonline.standardbank.com/bol/about-bol.html), [OneHub API Marketplace](https://corporateandinvestment.standardbank.com/cib/global/products-and-services/onehub/api-marketplace), [Balance and Statements](https://businessonline.standardbank.com/bolafrica/businessonline/products-and-services/payment/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. ## More in Finance: corporate banking and credit - [Banno Business](https://fous.com/automate/banno-business.md) - [Q2 business online banking](https://fous.com/automate/q2-business-online-banking.md) - [Absa Access](https://fous.com/automate/absa-access.md) - [ANZ Transactive - Global](https://fous.com/automate/anz-transactive.md) - [Axis Corporate Internet Banking](https://fous.com/automate/axis-corporate-internet-banking.md) - [BancaNet Empresarial](https://fous.com/automate/bancanet-empresarial.md) - [Banorte en su Empresa](https://fous.com/automate/banorte-en-su-empresa.md) - [BB Digital PJ](https://fous.com/automate/bb-digital-pj.md) - [BBVA Net Cash México](https://fous.com/automate/bbva-net-cash-mexico.md) - [Bradesco Net Empresa](https://fous.com/automate/bradesco-net-empresa.md) - [businessONLINE](https://fous.com/automate/businessonline.md) - [CIBC Cash Management Online](https://fous.com/automate/cibc-cash-management-online.md) - [CommBiz](https://fous.com/automate/commbiz.md) - [DBS IDEAL](https://fous.com/automate/dbs-ideal.md) - [FABeAccess](https://fous.com/automate/fabeaccess.md) - [ICICI Corporate Internet Banking](https://fous.com/automate/icici-corporate-internet-banking.md) - [Itaú Empresas](https://fous.com/automate/itau-empresas.md) - [KlikBCA Bisnis](https://fous.com/automate/klikbca-bisnis.md) - [Kopra by Mandiri](https://fous.com/automate/kopra-by-mandiri.md) - [Maybank2E](https://fous.com/automate/maybank2e.md) - [NAB Connect](https://fous.com/automate/nab-connect.md) - [OCBC Velocity](https://fous.com/automate/ocbc-velocity.md) - [RBC Express](https://fous.com/automate/rbc-express.md) - [ScotiaConnect](https://fous.com/automate/scotiaconnect.md) - [Sucursal Virtual Empresas](https://fous.com/automate/sucursal-virtual-empresas.md) - [Telecrédito](https://fous.com/automate/telecredito.md) - [UOB Infinity](https://fous.com/automate/uob-infinity.md) - [Westpac Corporate Online](https://fous.com/automate/westpac-corporate-online.md) - [YONO Business](https://fous.com/automate/yono-business.md) - [Interbanking](https://fous.com/automate/interbanking.md) - [PINACLE](https://fous.com/automate/pinacle.md) - [SinglePoint](https://fous.com/automate/singlepoint.md) - [Wells Fargo Vantage](https://fous.com/automate/wells-fargo-vantage.md) Other industries: [Site Cielo](/automate/site-cielo), [自然人电子税务局（扣缴端）](/automate/natural-person-e-tax-bureau-withholding), [MCA21](/automate/mca21), [Expedia Partner Central](/automate/expedia-partner-central), [SII (Mi SII)](/automate/sii-mi-sii), [SIMPL](/automate/simpl). ## Frequently asked questions ### Does Standard Bank Business Online have an API? Not for its statements and payments as a public API. Standard Bank offers Host to Host Corporate Swift for direct access from your ERP system, and its OneHub API Marketplace lists account verification, foreign exchange and money market APIs, requested through your relationship manager. ### How far back can I get Business Online statements? 180 days. Business Online shows interim intra-day statements and full end-of-day statements, and lets you download them in formats compatible with most ERP and accounting systems. ### Can I upload bulk payments to Business Online? Yes. You upload batches in a range of the bank's proprietary formats, which can be audited and authorised. Beneficiaries can also be added by file upload. ### What happens if I enter the wrong token code? After three incorrect one-time passwords the token is suspended. You call Business Online on 0860 123 007 to resynchronise it. ### Is Fous affiliated with Standard Bank? No. Fous is an independent product. You use it with your own Business Online account, and a method reads and does only what that account can. Fous is an independent product: it is not affiliated with, endorsed by or sponsored by the operator of Standard Bank Business Online (Standard Bank). The name is used only to say which system this page is about. Something here wrong or out of date? Write to legal@fous.com.