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
https://api.cdr.adelaidebank.com.au/cds-au/v1
AMP Bank
https://api.cdr-api.amp.com.au/cds-au/v1
ANZ
https://api.anz/cds-au/v1
Arab Bank
https://openbanking-api.arabbank.com.au/public/cds-au/v1
Australian Military Bank
https://product.api.australianmilitarybank.com.au/cds-au/v1
Auswide Bank
https://api.auswidebank.com.au/OpenBanking/cds-au/v1
AWA Alliance Bank
https://api.cdr.awaalliancebank.com.au/cds-au/v1
Bank Australia
https://cds.api.bankaust.com.au/cds-au/v1
Bank of China Australia
https://obdevp.bank-of-china.net.au/cds-au/v1
Bank of Sydney
https://openbank.api.banksyd.com.au/cds-au/v1
Bank Vic
https://api.cdr.bdcualliancebank.com.au/cds-au/v1
Bankwest
https://open-api.bankwest.com.au/bwpublic/cds-au/v1
bcu
https://ob-api.bcu.com.au/cds-au/v1
BDCU Alliance Bank
https://api.cdr.bdcualliancebank.com.au/cds-au/v1
Bendigo Bank
https://api.cdr.bendigobank.com.au/cds-au/v1
Beyond Bank Australia
https://public.cdr.api.beyondbank.com.au/cds-au/v1
BOQ
https://secure.api.boq.com.au/cds-au/v1
BOQ Specialist
https://secure.api.boqspecialist.com.au/cds-au/v1
CBA
https://api.commbank.com.au/public/cds-au/v1
Circle Alliance Bank
https://api.cdr.circle.com.au/cds-au/v1
Citibank
https://aspac.api.citi.com/gcb/cds-au/v
Credit Union SA
https://openbanking.api.creditunionsa.com.au/cds-au/v1
Community First Credit Union
https://netbank.communityfirst.com.au/cf-openbanking/cds-au/v1
Delphi Bank
https://api.cdr.delphibank.com.au/cds-au/v1
Easy Street Financial Services
https://ebranch.easystreet.com.au/es-openbanking/cds-au/v1
First Choice Credit Union
https://public.cdr-api.firstchoicecu.com.au/cds-au/v1
First Option Bank
https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1
Geelong Bank
https://online.geelongbank.com.au/OpenBanking/cds-au/v1
Greater Bank
https://public.cdr-api.greater.com.au/cds-au/v1
Goldfields Money
https://prd.bnk.com.au/cds-au/v1
G&C Mutual Bank
https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1
Heritage Bank
https://product.api.heritage.com.au/cds-au/v1
Illawara Credit Union
https://onlineteller.cu.com.au/OpenBanking/cds-au/v1
IMB Bank
https://api.openbanking.imb.com.au/cds-au/v1
ING
https://apic.ing.com.au/cds-au/v1
Judo Bank
https://open.judo.bank/cds-au/v1
Laboratories Credit Union
https://internetbanking.lcu.com.au/openbanking/cds-au/v1
Leveraged
https://api.cdr.leveraged.com.au/cds-au/v1
Macquarie Bank Limited
https://api.macquariebank.io/cds-au/v1
ME Bank
https://api.mebank.com.au/cds-au/v1
Move Bank
https://api.movebank.com.au/OpenBanking/cds-au/v1
MyState Bank
https://openbanking.api.mystate.com.au/public/cds-au/v1
NAB
https://openbank.api.nab.com.au/cds-au/v1
Newcastle Permanent Building Society
https://api.newcastlepermanent.com.au/cds-au/v1
Northern Inland Credit Union
https://prd.nicu.com.au/cds-au/v1
Nova Alliance Bank
https://api.cdr.novaalliancebank.com.au/cds-au/v1
PayPal
https://api.paypal.com/v1/identity/cds-au/v1
People's Choice
https://api.peopleschoice.com.au/public/cds-au/v1
Police Bank
https://product.api.policebank.com.au/cds-au/v1
P&N Bank
https://ob-api.pnbank.com.au/cds-au/v1
QBANK
https://banking.qbank.com.au/openbanking/cds-au/v1
Rabobank
https://openbanking.api.rabobank.com.au/cds-au/v1
RACQ
https://api2.racq.com.au/external/cds-au/v1
Regional Australia Bank
https://public-data.cdr.regaustbank.io/cds-au/v1
Rural Bank
https://api.cdr.ruralbank.com.au/cds-au/v1
Service One Alliance Bank
https://api.cdr.serviceone.com.au/cds-au/v1
Suncorp
https://api-pub-cdr.suncorpbank.com.au/cds-au/v1
The Capricornian Ltd
https://onlinebanking.capricornian.com.au/OpenBanking/cds-au/v1
Traditional Credit Union
https://prd.tcu.com.au/cds-au/v1
Transport Mutual Credit Union
https://banking.transportmutual.com.au/OpenBanking/cds-au/v1
UBank
https://openbank.api.ubank.com.au/cds-au/v1
Unity Bank
https://ibanking.unitybank.com.au/openbanking/cds-au/v1
Up
https://api.up.com.au/cds-au/v1
Virgin Money Australia
https://secure.api.virginmoney.com.au/cds-au/v1
Volt Bank
https://api.voltbank.com.au/cds-au/v1
Westpac
https://digital-api.westpac.com.au/cds-au/v1
Xinja Bank
https://cdr.openbank.api.xinja.com/cds-au/v1

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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