Savings plan subscription withdrawal

Transfers money from a savings plan subscription to the CVU in cxu. The user can withdraw at any time, even before the plan's target date or target amount.

• Partial: send amount. That amount is transferred and the subscription stays active. It cannot exceed the invested capital.
• Total: send finalize_plan: true and no amount. Everything the subscription holds is transferred, minus the penalty, and the subscription is closed.

When the transfer completes, Allaria calls your Plan activity completed webhook, which reports the amount actually transferred.

Penalty

A withdrawal currently forfeits all generated returns: only the invested capital is transferred. This policy is subject to change.

USD subscriptions: when deposits can be withdrawn

A USD deposit is invested in mutual funds. It can only be withdrawn once its fund shares are assigned, from 9 p.m. (Argentina time).

Until then it counts in the subscription's valuation, but a request that needs it returns insufficient_settled_position. Retry once it is available.

Deposit processed	Available to withdraw
Before the funds' cut-off (4–4:30 p.m.)	That same night
After the cut-off	The night of the next business day

A total withdrawal redeems the funds in full and sends the cash once the redemption is priced, from 9 p.m. on the day it is processed. ARS subscriptions are not affected.

POST/v1/savings/business/account-investment-plans/{account_investment_plan_id}/withdrawal

Request

Headers

Field	Type	Required	Description
Authorization	string	Yes	Access token in Bearer ACCESS_TOKEN format
Content-Type	string	Yes	Must be application/json

Path Parameters

Field	Type	Required	Description
account_investment_plan_id	number	Yes	Subscription identifier.

Not applicable: Query Parameters.

Body

The body must be sent in snake_case.

Field	Type	Required	Description
cxu	string	Yes	Destination CVU to which the funds will be transferred.
amount	number	Conditional	Amount to withdraw. Must be greater than 0. Required unless finalize_plan is true.
finalize_plan	boolean	No	true withdraws everything and closes the subscription; amount must not be sent.

Response

2XX Success

Field	Type	Description
message	string	Message confirming the result of the withdrawal.
activity_id	number	Identifier of the activity created for this withdrawal. Store it against your own record: the Plan activity completed webhook reports the same value when the withdrawal settles, and it is the only field that tells one operation from another.

Error Codes

Errors return the following body:

{
  "code": "invalid_request",
  "description": "Error description."
}

Status	Code	Condition
400	invalid_request	The cxu field was not sent, or neither amount nor finalize_plan: true was sent.
400	finalize_plan_with_amount	finalize_plan: true was sent together with amount. To close the subscription, do not send amount: everything is moved.
400	invalid_request	The amount field is less than or equal to 0.
400	invalid_request	The subscription is not in an active state.
400	invalid_request	The amount field exceeds the invested capital. Returns cannot be withdrawn.
400	insufficient_valuation	The amount field exceeds the current valuation of the subscription, or, on a total withdrawal, the subscription has nothing to withdraw.
400	insufficient_settled_position	USD subscriptions only. Part of the amount corresponds to fund shares that have not been assigned to the account yet (see Availability of deposits above), or, on a total withdrawal, any deposit is still pending. Checked per fund of the plan. Retry once the pending deposits are available.
400	cxu_not_found	The specified CVU does not exist in the financial system.
400	invalid_request	The specified CVU is not a valid CBU/CVU or the account is not active.
400	cxu_not_owned_by_holder	The specified CVU does not belong to the subscription holder. For USD subscriptions, the holder is the principal holder of the comitente; co-holders and attorneys are not accepted.
400	holder_cuit_unavailable	The subscription holder has no valid CUIT registered at Allaria, so ownership of the destination CVU cannot be verified. For USD subscriptions, also when the principal holder of the comitente cannot be determined. Contact Allaria: the data must be corrected on our side before retrying.
403	—	The token does not have the required role to operate this endpoint.
502	cxu_fetch_error	The destination CVU could not be validated because the financial system is unavailable. Transient: retry the request.
502	holder_fetch_error	The holders of the comitente could not be retrieved, so ownership of the destination CVU cannot be verified. USD subscriptions only. Transient: retry the request.

Code Example

cURL

curl -X POST https://b2b.allaria.cloud/v1/savings/business/account-investment-plans/1/withdrawal \
  -H "Authorization: Bearer ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "cxu": "0000003100010000000001",
    "amount": 50000.00
  }'

JavaScript

const accountInvestmentPlanId = 1;

const response = await fetch(
  `https://b2b.allaria.cloud/v1/savings/business/account-investment-plans/${accountInvestmentPlanId}/withdrawal`,
  {
    method: 'POST',
    headers: {
      'Authorization': 'Bearer ACCESS_TOKEN',
      'Content-Type': 'application/json'
    },
    body: JSON.stringify({
      cxu: '0000003100010000000001',
      amount: 50000.00
    })
  }
);

const data = await response.json();
console.log(data);

Python

import requests

account_investment_plan_id = 1

response = requests.post(
  f'https://b2b.allaria.cloud/v1/savings/business/account-investment-plans/{account_investment_plan_id}/withdrawal',
  headers={
    'Authorization': 'Bearer ACCESS_TOKEN',
    'Content-Type': 'application/json'
  },
  json={
    'cxu': '0000003100010000000001',
    'amount': 50000.00
  }
)

data = response.json()
print(data)

Node.js

const axios = require('axios');

const accountInvestmentPlanId = 1;

const response = await axios.post(
  `https://b2b.allaria.cloud/v1/savings/business/account-investment-plans/${accountInvestmentPlanId}/withdrawal`,
  {
    cxu: '0000003100010000000001',
    amount: 50000.00
  },
  {
    headers: {
      Authorization: 'Bearer ACCESS_TOKEN',
      'Content-Type': 'application/json'
    }
  }
);

console.log(response.data);

2XX Success

{
  "message": "Withdrawal created successfully",
  "activity_id": 4821
}