Product Reference Data API overview

This Product API overview provides a list of publicly available Product Data APIs in Australia and information on how to use them.

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By Frollo

What are Product Reference Data APIs?

As part of the Consumer Data Right (CDR), data holders have to publish Product Reference Data (PRD) APIs, also know as Product APIs.

All data holders need to make these APIs publicly available, with strict rules around availability and up-to-date-ness.

Included in these APIs is:

  • Product name
  • Category
  • Features
  • Fees
  • Rates

Basically everything you need to do a comprehensive product comparison.

The big 4 banks are already required to publish these APIs, and from 1 October 2020 all Non-Major Authorised Deposit-taking Institutions (ADIs) will be required to publish them as well. In the lead up to this 1 October deadline, more and more ADIs are starting to publish their APIs. 


Where to find PRD API documentation

The Data Standards Body (DSB) for the CDR regime has set strict rules for data holders on how to structure and publish their Product APIs. This makes it a lot easier to use the APIs as there’s only one set of instructions to follow.

These can be found on the Consumer Data Standards – Github page.

Each of the Product APIs can be used by following these instructions, the only other thing you need is the API base url – which you can find in the table below.

We’re continuously updating this page, so if you know of an API that isn’t included yet, let us know.

Do you have your PRD API sorted yet? Frollo’s PRD portal is a simple, future proof way to meet your PRD obligations. We can have you live and compliant in less than a week. Download the product sheet or get in touch.

Product API overview

In the table below you’ll find the Product Data API base urls. They can be used as per the DSB instructions.

Data holder Product Data API base urls
Adelaide Bank
AMP Bank
Arab Bank
Australian Military Bank
Auswide Bank
AWA Alliance Bank
Bank Australia
Bank of China Australia
Bank of Sydney
Bank Vic
BDCU Alliance Bank
Bendigo Bank
Beyond Bank Australia
BOQ Specialist
Circle Alliance Bank
Credit Union SA
Community First Credit Union
Delphi Bank
Easy Street Financial Services
First Choice Credit Union
First Option Bank
Geelong Bank
Greater Bank
Goldfields Money
G&C Mutual Bank
Heritage Bank
Illawara Credit Union
IMB Bank
Judo Bank
Laboratories Credit Union
Macquarie Bank Limited
ME Bank
Move Bank
MyState Bank
Newcastle Permanent Building Society
Northern Inland Credit Union
Nova Alliance Bank
People's Choice
Police Bank
P&N Bank
Regional Australia Bank
Rural Bank
Service One Alliance Bank
The Capricornian Ltd
Traditional Credit Union
Transport Mutual Credit Union
Unity Bank
Virgin Money Australia
Volt Bank
Xinja Bank

Frollo’s CDR solutions

Frollo is leading the charge in the Consumer Data Right, developing solutions for data holders and data recipients to make the most of open banking data.

For data holders

Our PRD portal is an easy, future proof way to comply with PRD regulations as well as a real time competitor product analysis based on PRD data.

For data recipients

The Frollo CDR gateway takes care of the complete process of managing consent and collecting CDR data and gives you access to a full suite of CDR enabled solutions like Data Enrichment, Income & Expense and multi banking.

Who we are

Frollo is a purpose-driven Australian FinTech on a quest to help people feel good about money. We’ve built the simplest way to help people get their finances on track – and through our business ecosystem, we’re supporting our enterprise clients to do the same for their customers.

Learn more about how we can help your business.

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