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Open Banking is a new initiative introduced by the Australian Government as part of the CDR (Consumer Data Right) Legislation. The CDR empowers customers to securely share their selected banking data between Data Holders (e.g. banks) and accredited third parties, including personal finance management apps and other financial institutions. By empowering banking customers, the government expects to also nurture healthy competition in the market and offer greater choice, access and control to banking customers.
You can find our CDR Policy here.
Product Reference Data includes interest rates, fees and features. Auswide Bank has made this type of data publicly available for all products, including:
This data does not include any individual account or customer information, but rather is similar to the information we already publish on our website, but in a machine-readable form. This data will primarily be used by businesses providing comparison services.
Auswide Bank has been working hard with our banking system vendor and product partners to provide Open Banking consumer and transaction data under the Consumer Data Right (CDR).
We are pleased to announce that Auswide Bank customers with Platinum Rewards Mastercards and other ‘grandfathered’ Auswide Bank ‘white label’ credit cards issued by arrangement with Citibank Card Services are now able to share their account, transaction, and customer data.
Due to the complexity of the legislation and compliance obligations we are not yet able to share account, transaction and customer date on our deposit accounts and Low Rate Visa credit card. Our first priority is to ensure that our customers’ data remains secure and it will take a little more time for us to be able to share data from these products safely. We expect to be able to share deposit accounts, credit cards and also home loan data from 1 November 2021.
We apologise for any inconvenience to customers who were eager to start sharing deposit account and Low Rate Visa credit card data.
Product Reference Data includes:
Product Reference data is generalised data and does not include personal information about any customer.
Account Data includes:
Account Data is specific to you and your individual banking. Sharing this type of information with a third party is by opt-in only. For more information, see Open Banking Privacy & Security.
Transaction Data includes:
Sharing this type of information with a third party is by opt-in only. For more information, see Open Banking Privacy & Security.
Customer Data includes:
Sharing this type of information with a third party is by opt-in only. For more information, see Open Banking Privacy & Security.
By bringing your Auswide Bank data together with data from other accredited organisations, you may enjoy several benefits.
Auswide Bank is working hard to comply with ACCC release requirements and will have Transaction and Account Data available for customers to share from July 2021.
We understand that sharing your banking data with other third parties may seem a little risky! We want to reassure you that Open Banking has privacy protections in place to help you share your data safely and securely. Protections include:
Why not help develop a new banking experience for your customers using APIs (Application Programming Interfaces).
Open Banking allows developers to build apps and other services which access data held by financial institutions, like Auswide Bank, through use of APIs.
Auswide Bank’s base URL for API calls is https://api.auswidebank.com.au/OpenBanking/cds-au/v1/
The Base URL for Product Reference Data API calls of Auswide Bank Platinum Rewards Mastercard and other ‘grandfathered’ Auswide Bank ‘white label’ credit cards issued by arrangement with Citibank Card Services is https://aspac.api.citi.com/gcb/cds-au/v1/.
To access non-customer information, like product details.
To access consumer APIs, you’ll need to obtain the customer’s consent and be accredited by the ACCC. Customer, account, and transaction data APIs, including the below, are available for Auswide Bank Platinum Rewards Mastercards and other ‘grandfathered’ Auswide Bank ‘white label’ credit cards issued by arrangement with Citibank Card Services. Auswide Bank is working to comply with ACCC release requirements when implementing our consumer data sharing APIs.
Details on other available APIs can be found on here.
As we support more API calls, we will publish the details here.
For details of the mandatory parameters and expected responses for these calls, please refer to the Consumer Data Standards specification.
Please note: In order to access Consumer Data Right data relating to individual customers you will need to be an ACCC Accredited Data Recipient and obtain permission from the customer to obtain their data.
