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v1

latestOpenAPI 3.1.0Copyright Pismo2026-07-247702,7523.1 MB
Account interest

Update account interest

Apply specific interest accrual options to an account by replacing its full interest configuration.

This operation has full-replacement semantics: every request must redeclare the complete configuration. Partial updates (sending only the fields you want to change) are not supported and cause the validation to fail.

Although every property in the request body is independently optional, the body as a whole must satisfy several conditional rules. See the request body schema description for the full set of benchmark/fixed_interest_rate, tax_withholding, and taxes_exemption rules.

put/v1/interest/account/{accountId}

Path parameters

accountIdstring required

Account ID

Headers

content-typestring required

Content type

Authorizationstring required

Account token - an access token encoded with a Pismo account ID. Tokens can expire quickly, which can result in a "** 401 Unauthorized**" error.

Request body

benchmark'BOE' | 'DI' | 'FED' | 'RBA' | 'RBI' | 'TO'

Market index used to measure interest value over time. For fixed interest, this field must be null.

  • BOE: Bank of England, UK
  • DI: Interbank Deposit Contract, Brazil
  • FED: Federal Reserve System, USA
  • RBA: Reserve Bank of Australia
  • RBI: Reserve Bank of India
  • TO: Overnight Interbank Target Rate (Tasa Objetivo), Mexico
fixed_interest_ratenumber float

Fixed annual interest rate for investments or deposits. If a benchmark value is provided, this field must be null.

margin_ratenumber double

Rate linked to the benchmark rate. For example, for 110% FED, margin rate is 110%. If a benchmark value is not provided, this field must be null.

marginnumber double

Also known as a spread, this is an incremental rate the clients receive on investments or deposits. If a benchmark value is provided, this field is optional. If benchmark is null, this field must be null also.

taxes_exemptionboolean

When true, the account is exempt from tax withholding and tax_withholding must be null.

capitalization_frequency'DAILY' | 'MONTHLY' | 'QUARTERLY' | 'HALF_YEARLY' | 'YEARLY' | 'MATURITY'

Interest payout frequency

Example request

{
  "benchmark": "FED",
  "margin_rate": 1.3,
  "margin": 0.05,
  "tax_withholding": {
    "withholding_moment": "ACCRUAL",
    "fee_processing_code": "001100"
  }
}

Response

OK

benchmark'BOE' | 'DI' | 'FED' | 'RBA' | 'RBI' | 'TO'

Market index used to measure interest value over time. For fixed interest, this field must be null.

  • BOE: Bank of England, UK
  • DI: Interbank Deposit Contract, Brazil
  • FED: Federal Reserve System, USA
  • RBA: Reserve Bank of Australia
  • RBI: Reserve Bank of India
  • TO: Overnight Interbank Target Rate (Tasa Objetivo), Mexico
fixed_interest_ratenumber float

Fixed annual interest rate for investments or deposits. If a benchmark value is provided, this field must be null.

margin_ratenumber double

Rate linked to the benchmark rate. For example, for 110% FED, margin rate is 110%. If a benchmark value is not provided, this field must be null.

marginnumber double

Also known as a spread, this is an incremental rate the clients receive on investments or deposits. If a benchmark value is provided, this field is optional. If benchmark is null, this field must be null also.

taxes_exemptionboolean

Is the account exempt from taxes?

Example response

{
  "benchmark": "FED",
  "fixed_interest_rate": 0.1,
  "margin_rate": 1.1,
  "margin": 0.02,
  "tax_withholding": {
    "withholding_moment": "ACCRUAL",
    "fee_processing_code": "001100",
    "tax_rules": [
      {
        "description": "IOF",
        "fixed_percentage": 0.0038,
        "threshold_amount": 1000
      }
    ]
  },
  "taxes_exemption": true,
  "interest_by_tiers": {
    "type": "TERM",
    "tier_calculation": "RETROACTIVE",
    "tiers": [
      {
        "days": 30,
        "amount": 1000,
        "margin_rate": 1,
        "fixed_interest_rate": 1.2
      },
      {
        "days": 60,
        "amount": 2000,
        "margin_rate": 1,
        "fixed_interest_rate": 1.3
      }
    ]
  }
}