Open Banking API performance

On this page you'll find the status and API performance of Open Banking Data Holders, based on data from Australia's most experienced CDR intermediary.

Frollo Open Banking Platform

As Australia’s first and most experienced Consumer Data Right intermediary, Frollo helps businesses like ANZ and P&N Bank collect and use Open Banking data to deliver innovative, personalised customer experiences.

Key platform features

  • Collect CDR Data
  • Enrich and categorise transactions
  • Launch innovative use cases in PFM, lending and more

Data Holder status

When a Data Holders become ‘Active’ in the CDR registry, Frollo automatically tries to connect to them for Dynamic Client Registration (DCR). When that’s done, the provider is enabled in production for a selected group of users (often employees of the Data Holder) to perform Production Verification testing. Once everything works, the Data Holder will go ‘Live’ for consumers.

Live Data Holders are immediately available for users of the Frollo money management app and Frollo clients using the CDR Gateway.

Status overview

Status

Number of brands

Meaning

🟢

Live

36

Available for consumers to use in the Frollo consumer app and CDR Gateway

🟡

Active

12

Registered on the CDR Registry and available for Data Recipients to connect

🔴

Not registered

73

Not yet available for Data Recipients to connect

Status by brand

Brand Status
86 400

🟢

Adelaide Bank

🔴

Afterpay Money

🔴

Alliance Bank

🔴

Arab Bank Australia

🔴

AMP

🟢

ANZ

🟢

Aussie Home Loans

🟢

Australian Military Bank

🟢

Australian Mutual Bank

🔴

Australian Unity Bank

🔴

Auswide Bank

🔴

Bank Australia

🟡

Bank First

🔴

Bank of China

🔴

Bank of Melbourne

🟢

Bank of Queensland

🔴

Bank of Sydney

🔴

Bank of Us

🔴

BankSA

🟢

BankVic

🔴

Bankwest

🟢

bcu

🔴

Bendigo Bank

🟡

Bell Potter

🟢

Beyond Bank

🟢

BNK Bank

🔴

Broken Hill Community Credit Union

🟡

Cairns Bank

🔴

Card Services

🟢

Central Murray Credit Union

🔴

Central West Credit Union

🔴

Citibank

🟢

Coastline Credit Union

🟡

Coles Financial Services

🟢

Commonwealth Bank

🟢

Community First Credit Union

🔴

Credit Union Australia

🟢

Cuscal

🔴

Defence Bank

🟡

Delphi Bank

🔴

Dnister Ukrainian Credit Co-operative Limited

🟡

Endeavour Mutual Bank

🔴

Family First

🔴

Firefighters Mutual Bank

🔴

Fire Service Credit Union

🟡

First Choice Credit Union

🟡

First Option Bank

🔴

Gateway Bank

🟡

Geelong Bank

🔴

GMCU

🔴

Goldfields Money

🔴

Great Southern Bank

🔴

Greater Bank

🔴

G&C Mutual Bank

🔴

Health Professionals Bank

🔴

Heritage Bank

🟢

Horizon Credit Union

🔴

HSBC

🟡

Hume Bank

🔴

Illawara Credit Union

🔴

IMB

🔴

ING

🔴

In1bank

🔴

Jetstar

🟢

Judo Bank

🟢

Kogan Money

🟢

Lithuanian Co-operative Credit Society

🔴

LLL

🔴

Lysaght Credit Union

🔴

Macquarie Bank

🟢

Macquarie Credit Union

🔴

MCU

🔴

ME Bank

🔴

MyLife MyFinance

🔴

Myer

🟢

Move Bank

🔴

MyState

🟢

NAB

🟢

Newcastle Permanent Building Society

🔴

Northern Inland Credit Union (NICU)

🔴

Orange Credit Union

🔴

PayPal Australia

🔴

People's Choice Credit Union

🔴

Police Bank

🔴

Police Credit Union

🔴

Pulse Credit Union

🔴

P&N Bank

🔴

Qantas Money

🟢

QBANK

🔴

Qudos Bank

🟡

Queensland Country Bank

🟢

Rabobank Australia

🔴

RACQ Bank

🔴

RAMS

🟢

Regional Australia Bank

🟢

RSL Money

🟢

Rural Bank

🔴

South West Credit

🔴

St. George

🟢

Summerland Credit Union

🟡

Suncorp

🟢

SWSCU

🔴

Sydney Mutual Bank

🔴

Teachers Mutual Bank

🔴

The Capricornian

🔴

The Mac Credit Union

🔴

The Mutual Bank

🔴

TMCU

🔴

Traditional Credit Union

🔴

Tyro

🟢

UBank

🟢

UniBank

🔴

Unity Bank

🔴

Up Bank

🟢

Virgin Money Australia

🔴

Volt Bank

🟢

WAW

🔴

Westpac

🟢

Woolworths

🟢

Woolworths Team Bank

🔴

Open Banking API performance

A Data Recipient connects to a number of different APIs when collecting CDR data from a Data Holder. The faster these APIs deliver the data, the better the user experience.

With over 14 Million Open Banking API calls in production to date, Frollo is in a unique position to track API performance for all brands that are currently live. The graphs below show you end to end production response times for Data Holders in the Frollo Open Banking platform.

We’ve included the response times for three APIs:

  • Accounts API
  • Bulk Balances API
  • Transactions for Accounts API

Note: Only brands with a sufficient number of API calls have been included in this overview.

Accounts API

The Accounts API provides basic information for a specific account, this can include:

  • Account status
  • Product category
  • Whether the account is owned by the authorised customer

Account Details API

The Account Details API provides detailed information for a specified account. The type of information depends on the product type. For a loan this can include:

  • The original loan amount
  • Start date and end date
  • Minimum instalment amount
  • Next instalment date
  • Maximum redraw amount

Bulk Balances API

The Bulk Balances API provides balances for multiple, filtered accounts.

Transactions for Account API

The Transactions for Account API enables a Data Recipient to request a list of transactions for a specific account. This can include:

  • Transaction ID
  • Date & time
  • Type
  • Status
  • Amount
  • Description

Start building with Open Banking

Use the Frollo Open Banking platform to access real time, accurate financial information and build innovative new user experiences. Our market leading CDR Gateway ensures reliable access to Open Banking data with plug & play access to AI powered data enrichment, our Personal Finance Management platform and Financial Passport.

Personal Finance Management

Show your customers a full, real time view of their finances, provide them with smart insights and the tools to improve their finances.

Learn more about our PFM platform

Income & Expense verification

Streamline lending decisions and reduce risk using accurate, real time financial information from Frollo’s Financial Passport.

Learn more about our Financial Passport

Open Banking powered Account verification

Account verification

Verify account ownership with a few clicks, reducing fraud, increasing efficiency and improving the customer experience.

Learn more about account verification

Who we work with

ANZ
suncorp
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