> For the complete documentation index, see [llms.txt](https://docs.udara360.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.udara360.io/udara360-docs-1/overdrafts-and-loans/markdown/update-overdraft.md).

# Update Overdraft

\
This API endpoint is used to update the overdraft settings for a specific account. You can modify the overdraft settings for the specified account by making a PUT request to this endpoint and providing the necessary account information in the request body.<br>

<mark style="color:orange;">`PUT`</mark> `/api/accountoverdraft/v1/update`

{% hint style="warning" %}
You must provide an existing overdraft `id` for your request to be successful.&#x20;
{% endhint %}

**Headers**

| Name                                            | Value                |
| ----------------------------------------------- | -------------------- |
| Content-Type<mark style="color:red;">\*</mark>  | `application/json`   |
| Authorization<mark style="color:red;">\*</mark> | `Bearer <token>`     |
| Request-Reference                               | `{unique-reference}` |

**Body**

<table><thead><tr><th width="183">Name</th><th width="172">Data Type (length)</th><th width="107" data-type="checkbox">Required</th><th>Description</th></tr></thead><tbody><tr><td><code>id</code></td><td>string</td><td>true</td><td>Unique identifier for the overdraft account (GUID format)</td></tr><tr><td><code>accountNumber</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(10)</em></a></td><td>false</td><td>The customer's account number (NUBAN) for the overdraft</td></tr><tr><td><code>limit</code></td><td>integer</td><td>false</td><td>The overdraft limit amount<br><br><em><mark style="color:orange;">The amount should be sent in the currency base unit. For example, 1000 naira will be sent as 1000 * 100</mark></em></td></tr><tr><td><code>tenure</code></td><td>integer</td><td>false</td><td>The tenure or duration of the overdraft in months</td></tr><tr><td><code>commencementDate</code></td><td>date</td><td>false</td><td>The start date of the overdraft</td></tr><tr><td><code>useDefaultFee</code></td><td>boolean</td><td>false</td><td>Indicates whether to use the default fee. Set <code>true</code> to use default and <code>false</code> to set your fee</td></tr><tr><td><code>feeCodes</code></td><td>array of objects</td><td>false</td><td>A list of fee codes must be provided if not using the default. Overdraft fees can be configured in the Fee Section on Udara 360.</td></tr><tr><td>└─ <code>feeCode</code></td><td>string</td><td>false</td><td>Specific fee code </td></tr><tr><td><code>feeAmount</code></td><td>integer</td><td>false</td><td>The fee amount, if not using the default</td></tr><tr><td><code>useDefaultInterest</code></td><td>boolean</td><td>false</td><td>Indicates whether to use the default interest rate</td></tr><tr><td><code>interestCode</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(3)</em></a></td><td>false</td><td>If you don't want to use the default settings, you can customize the interest code. Credit interest configuration is available in the Fee Section of Udara 360</td></tr><tr><td><code>interestAmount</code></td><td>integer</td><td>false</td><td>Interest amount, if not using default</td></tr><tr><td><code>securityPledged</code></td><td>boolean</td><td>false</td><td>Indicates whether security is pledged for the overdraft by setting <code>true</code> for yes and <code>false</code> for no</td></tr><tr><td><code>securityType</code></td><td>string</td><td>false</td><td>Type of security pledged<br><br>The enumerations are:<br><code>1</code> = RealEstateAndLandAndBuilding<br><code>2</code> = Automobile<br><code>3</code> = PlantAndEquipment<br><code>4</code> = NaturalReserves<br><code>5</code> = MarketableSecurities<br><code>6</code> = AccountsReceivableAndInventory<br><code>7</code> = Cash<br><code>8</code> = PersonalGuarantees<br><code>9</code> = PostDatedCheques<br><code>10</code> = Dormicilliation<br><code>11</code> = HouseholdItems</td></tr><tr><td></td><td></td><td>false</td><td></td></tr><tr><td><code>securityValuation</code></td><td>integer</td><td>false</td><td>Valuation of the pledged security</td></tr><tr><td><code>description</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(150)</em></a></td><td>false</td><td>Description or purpose of the overdraft</td></tr><tr><td><code>guarantorName</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(100)</em></a></td><td>false</td><td>Name of the guarantor for the overdraft</td></tr><tr><td><code>guarantorPhoneNumber</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(20)</em></a></td><td>false</td><td>Phone number of the guarantor</td></tr></tbody></table>

Here is an example request and response with a sample payload sent to the endpoint in Curl format.

<details>

<summary>Sample Request</summary>

```json
curl --location -g --request PUT '{{baseurl}}/api/accountoverdraft/v1/update' \
--header 'Authorization: bearer {token}' \
--header 'request-reference: {unique_reference}' \
--header 'Content-Type: application/json' \
--data '{
  "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "limit": 0,
  "tenure": 0,
  "commencementDate": "2023-01-20T23:33:42.897Z",
  "useDefaultFee": true,
  "feeCodes": [
    {
      "feeCode": "string"
    }
  ],
  "feeAmount": 0,
  "useDefaultInterest": true,
  "interestCode": "string",
  "interestAmount": 0,
  "securityPledged": true,
  "securityType": "string",
  "securityValuation": 0,
  "description": "string"
}'
```

</details>

<details>

<summary>Respose: <code>200</code></summary>

```json
{
  "status": true,
  "message": "string"
}
```

</details>

[^1]: This is the maximum number of characters allowed.