Find & Review Sub Accounts

A Sub Account is a real fund account under a Primary Account, used to isolate funds by department, project, or business line.

Each Sub Account can be associated with multiple Budgets, which further control the spending limits of VCC cards.

Funds Model

Sub Account funds follow this relationship:

Sub Account Total Amount = Available Balance + Allocated Budget Limit + Frozen Amount

Where:

• Available Balance: Funds that have not yet been allocated and can be freely transferred
• Allocated Budget Limit: Total amount allocated to all Budgets under the Sub Account
• Frozen Amount: Funds temporarily unavailable at the account level

List Fields

Field	Type	Description
Entity Short Name / Entity Name	TEXT	Entity that owns the Sub Account
Sub Account No.	CODE	Unique code of the Sub Account
Sub Account Name	TEXT	Business-readable name of the Sub Account
Available Balance	AMOUNT	Funds available for free allocation. Can be transferred back to the Primary Account, transferred to another Sub Account, or allocated to a Budget
Frozen Amount	AMOUNT	Funds frozen at the account level and temporarily unavailable
Allocated Budget Limit	AMOUNT	Sum of the Budget Limit of all Budgets under the Sub Account
Total Spent	AMOUNT	Aggregate transaction amount of cards associated with all Budgets under the Sub Account
Available to Spend	AMOUNT	Allocated Budget Limit − Total Spent
Account Status	ENUM	Current status of the Sub Account

Field Definitions

Available Balance

Available Balance is the portion of Sub Account funds that has not been occupied by Budgets and can be freely allocated.

It can be used to:

• Transfer funds back to the Primary Account
• Transfer funds to another Sub Account
• Allocate funds to a Budget

After a Budget is funded, the corresponding amount moves from Available Balance to Allocated Budget Limit.

Frozen Amount

Frozen Amount represents funds frozen at the account level.

This field is not linked to card authorization transactions. Card authorizations and spending are handled at the Budget and Card layers.

Allocated Budget Limit

Allocated Budget Limit represents the total limit allocated by the Sub Account to all downstream Budgets.

That is:

Allocated Budget Limit = Sum of the Budget Limit of all Budgets under the Sub Account

When a Budget is disabled or its limit is released, the corresponding amount returns to the Sub Account's Available Balance.

Total Spent

Total Spent represents the aggregate transaction amount generated by cards associated with all Budgets under the Sub Account.

This is an aggregated display value. Detailed spending and transaction records should be reviewed at the Budget or Card transaction layer.

Available to Spend

Available to Spend represents how much of the allocated Budget limit has not yet been spent.

Formula:

Available to Spend = Allocated Budget Limit − Total Spent

info

Sub Account Available to Spend answers:

How much of the amount already allocated to Budgets remains unspent?

Budget-level Available Limit answers:

How much limit remains available for further allocation or use?

These fields have different meanings and should not be used interchangeably.

Detail Information

In addition to the funds fields above, Sub Account details also display account and Entity relationship information.

Account Information

Field	Description
Sub Account No.	Unique Sub Account code generated automatically by the system
Sub Account Name	Display name of the Sub Account
Primary Account No.	Unique code of the Primary Account associated with the Sub Account
Account Name	Display name of the associated Primary Account
Currency	Settlement currency of the account, currently primarily USD
Account Status	Current status of the Sub Account

Entity Information

Field	Description
Entity ID	Unique identifier of the Entity that owns the Sub Account
Entity Short Name	Short identifier of the associated Entity
Entity Name	Full registered name of the associated Entity

Dates

Field	Description
Created At	Time when the Sub Account was created
Updated At	Time when the Sub Account information was last updated