5. Autogiro Deposits

Autogiro lets you pull deposits from the customer's bank account into their Fondo account. It is used in two ways:

1. Allocation plans — Rules for distributing an account's cash balance across funds by percentage (e.g., "allocate 60% to fund X, 40% to fund Y").
2. Savings plans — Recurring withdrawals from a payment account, investing fixed amounts into specified funds (e.g., "withdraw 5000 SEK monthly and buy fund X").

There are multiple ways to create an autogiro mandate:

1. In the createAccount journey when setting up an allocation plan — you provide the autogiro bank account when initializing the journey.
2. In the updateAllocationPlan journey — you provide the autogiro bank account when initializing the journey.
3. In the addBankAccount journey — the customer selects a bank account to connect, including a 3rd-party account verification.
4. In the createAccount journey when setting up a savings plan.

Once the mandate is active, trigger autogiro deposits by creating a payment instruction. You can batch multiple payments (to different accounts) in a single instruction.

curl -i -X POST \
  https://api.sandbox.fondo.se/v2/partner/client/49ad7378-121c-4a53-9894-dfd14a7b4877/instruction/payment \
  -H 'Authorization: Bearer <YOUR_TOKEN_HERE>' \
  -H 'Content-Type: application/json' \
  -d '{
    "type": "autogiro",
    "payments": [
      {
        "amount": 110,
        "account": "49ad7378-121c-4a53-9894-dfd14a7b4877",
        "clientRef": "instruction_id_29384"
      }
    ]
  }'

The instruction progresses through: new → executing → processed. The clientRef you provide is copied to the resulting cash transactions for reconciliation.

Check the status of individual payments within an instruction:

curl -i -X GET \
  https://api.sandbox.fondo.se/v2/partner/client/49ad7378-121c-4a53-9894-dfd14a7b4877/instruction/49ad7378-121c-4a53-9894-dfd14a7b4877/payment \
  -H 'Authorization: Bearer <YOUR_TOKEN_HERE>'

Next: Place an order