---
title: "Get savings account product"
method: GET
path: "/v1/savings-accounts/{productId}"
tags: ["Product"]
---

# Get savings account product

`GET /v1/savings-accounts/{productId}`

## Request

- Base URL: `https://sandbox.pismolabs.io/savings-products`
- URL: `https://sandbox.pismolabs.io/savings-products/v1/savings-accounts/{productId}`
- Auth: HTTP bearer

Get saving accounts product by product ID. Note that product ID is Pismo-generated.

## Path parameters

- `productId` string, required

## Response `200`

Success

- SavingsAccountProduct
  - `created_at` string, date-time: The moment when a product is created.
  - `updated_at` string, date-time: The moment when a product is updated.
  - `interest_plan_id` string: Interest rate plan ID. This corresponds to the ID you created using the [Create interest plan version](ref:patch-v1-interest-plan)) endpoint.
  - `name` string: The product name.
  - `accrual_model` 'DEPOSIT_BASIS' | 'BALANCE_BASIS': Interest accrual model configured at the product level and returned in both the creation event and API response. With `DEPOSIT_BASIS`, the Pismo platform calculates accruals based on the net daily balance change (credits minus debits) at the end of each day. With `BALANCE_BASIS`, accruals are calculated using the account's closing balance at the end of the day, regardless of whether any transactions occurred. For example, if an account has a balance of 1000 and no transactions are made during the day, the platform still uses 1000 as the accrual basis. At creation, the interest plan determines the model: `BALANCE-CHANGE` maps to `DEPOSIT_BASIS`, and `CLOSING-BALANCE` maps to `BALANCE_BASIS`.
  - `balance_type` 'VALUE_DATED_BALANCE' | 'LEDGER_BALANCE': Which balance of the `balance_history` event is submitted when `accrual_model` is `BALANCE_BASIS`. `VALUE_DATED_BALANCE` uses the cleared balance (default). `LEDGER_BALANCE` includes uncleared funds.
  - `min_amount` number, float: Minimum amount for yield. If balance is below this value, yield is not calculated. If no value is provided, any available amount is treated as accrued interest.
  - `processing_codes` SavingsAccountProcessingCodes
    - `interest_processing_code` string: Processing code for interest calculation. <br> If you don't specify a value, the default is `009797`.
    - `detach_processing_code` string: Processing code for detaching deposit feature from a bank account.<br> Detaching means the bank removes the deposit feature from the bank account. If you don't specify a value, the default is `009696`.
  - `product_id` string: Product identifier.
  - `product_type` 'deposit' | 'savings-account': Product type.
  - `status` 'CREATED' | 'ACTIVE' | 'INACTIVE': Product status
  - `start_date` string, date: Define the earliest date from which the product can be attached to an account or program. Date is displayed in UTC.
  - `metadata` object: The metadata object contains user-defined key-value pairs that provide additional context or custom information.<br> Metadata content is not controlled by the Pismo platform and is instead controlled by the user.<br> **Note**: This field must not be used to send Personally Identifiable Information (PII), Payment Card Industry (PCI) data, or any sensitive/regulated information. Metadata fields are intended for operational, non-sensitive data only. For sensitive data, use the specific parameters designed for that purpose. For more information, refer to [Get started with Pismo APIs](ref:get-started-with-pismo-apis#metadata).

## Other responses

- `400`: Bad request
- `404`: Bad request
- `500`: Internal error

---

[API](https://skmtc.dev/pismo/apis/banking-interest-bearing-accounts.md) - [All operations](https://skmtc.dev/pismo/apis/banking-interest-bearing-accounts/llms.txt) - [OpenAPI document](https://skmtc.dev/pismo/apis/banking-interest-bearing-accounts/revisions/c68f61feb8a8?raw)