OPEN BANKING
Take advantage of Open Banking
Providing you with all the tools to seamlessly acquire and use Open Banking data in a CDR compliant way.
Questions? Contact our sales team
CDR Compliant Consent Management
We take the complexity away from UI consent capture by providing CDR compliant consent handling. Use our hosted consent management controls to speed up development or leverage our APIs to control the entire UI experience.
Data Governance
Ensure your customer’s data is always acquired, secured and retained in line with CDR Consent and Privacy requirements across both methods of data retrieval. Our enterprise-grade security and Privacy first approach means we never sell data and your customers never have to worry.
Manage multiple applications via a single platform
Enabling you to deploy multiple use cases/applications on a single platform with logical separation of data. This ensures you can support multiple uses cases with varying CDR consent requirements.
Build powerful financial solutions
Everything you need to quickly and securely develop, test and deploy your app.
Data Consistency
Data is different from each institution and comes with varying inconsistencies. The Basiq platform saves you time by normalising and enriching the data across over 100+ institutions.
Intuitive Dashboard
Easily monitor job and connector performance with our intuitive dashboard.
Enterprise-grade security
Your customer’s data is safe with enterprise-grade security for data at rest, in transit and in use.
Rich Sandbox Environment
Start developing immediately by connecting your app to our rich sandbox environment that simulates real banking data.
Bring your ideas to life
We have taken extreme care to design APIs that can easily be integrated with your solution, enabling you to access quality data and get to market faster. Once accredited to be a data recipient of Open Banking Data you will be able to share data with selected data holders.
{
"data": {
"accountId": "string",
"creationDate": "string",
"displayName": "string",
"nickname": "string",
"openStatus": "OPEN",
"isOwned": true,
"maskedNumber": "string",
"productCategory": "BUSINESS_LOANS",
"productName": "string",
"bsb": "string",
"accountNumber": "string",
"bundleName": "string",
"specificAccountUType": "creditCard",
"termDeposit": [
{
"lodgementDate": "string",
"maturityDate": "string",
"maturityAmount": "string",
"maturityCurrency": "string",
"maturityInstructions": "HOLD_ON_MATURITY"
}
],
"creditCard": {
"minPaymentAmount": "string",
"paymentDueAmount": "string",
"paymentCurrency": "string",
"paymentDueDate": "string"
},
"loan": {
"originalStartDate": "string",
"originalLoanAmount": "string",
"originalLoanCurrency": "string",
"loanEndDate": "string",
"nextInstalmentDate": "string",
"minInstalmentAmount": "string",
"minInstalmentCurrency": "string",
"maxRedraw": "string",
"maxRedrawCurrency": "string",
"minRedraw": "string",
"minRedrawCurrency": "string",
"offsetAccountEnabled": true,
"offsetAccountIds": [
"string"
],
"repaymentType": "PRINCIPAL_AND_INTEREST",
"repaymentFrequency": "string"
},
"depositRate": "string",
"lendingRate": "string",
"depositRates": [
{
"depositRateType": "BONUS",
"rate": "string",
"calculationFrequency": "string",
"applicationFrequency": "string",
"tiers": [
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": 0,
"maximumValue": 0,
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": {
"additionalInfo": "string",
"additionalInfoUri": "string"
},
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"lendingRates": [
{
"lendingRateType": "BUNDLE_DISCOUNT_FIXED",
"rate": "string",
"comparisonRate": "string",
"calculationFrequency": "string",
"applicationFrequency": "string",
"interestPaymentDue": "IN_ADVANCE",
"repaymentType": "INTEREST_ONLY",
"loanPurpose": "INVESTMENT",
"tiers": [
{
"name": "string",
"unitOfMeasure": "DAY",
"minimumValue": 0,
"maximumValue": 0,
"rateApplicationMethod": "PER_TIER",
"applicabilityConditions": {
"additionalInfo": "string",
"additionalInfoUri": "string"
},
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
],
"features": [
{
"featureType": "ADDITIONAL_CARDS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"isActivated": true
}
],
"fees": [
{
"name": "string",
"feeType": "DEPOSIT",
"amount": "string",
"balanceRate": "string",
"transactionRate": "string",
"accruedRate": "string",
"accrualFrequency": "string",
"currency": "string",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"discounts": [
{
"description": "string",
"discountType": "BALANCE",
"amount": "string",
"balanceRate": "string",
"transactionRate": "string",
"accruedRate": "string",
"feeRate": "string",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string",
"eligibility": [
{
"discountEligibilityType": "BUSINESS",
"additionalValue": "string",
"additionalInfo": "string",
"additionalInfoUri": "string"
}
]
}
]
}
],
"addresses": [
{
"addressUType": "paf",
"simple": {
"mailingName": "string",
"addressLine1": "string",
"addressLine2": "string",
"addressLine3": "string",
"postcode": "string",
"city": "string",
"state": "string",
"country": "AUS"
},
"paf": {
"dpid": "string",
"thoroughfareNumber1": 0,
"thoroughfareNumber1Suffix": "string",
"thoroughfareNumber2": 0,
"thoroughfareNumber2Suffix": "string",
"flatUnitType": "string",
"flatUnitNumber": "string",
"floorLevelType": "string",
"floorLevelNumber": "string",
"lotNumber": "string",
"buildingName1": "string",
"buildingName2": "string",
"streetName": "string",
"streetType": "string",
"streetSuffix": "string",
"postalDeliveryType": "string",
"postalDeliveryNumber": 0,
"postalDeliveryNumberPrefix": "string",
"postalDeliveryNumberSuffix": "string",
"localityName": "string",
"postcode": "string",
"state": "string"
}
}
]
},
"links": {
"self": "string"
},
"meta": {}
}{
"data": {
"accountId": "string",
"transactionId": "string",
"isDetailAvailable": true,
"type": "DIRECT_DEBIT",
"status": "PENDING",
"description": "string",
"postingDateTime": "string",
"valueDateTime": "string",
"executionDateTime": "string",
"amount": "string",
"currency": "string",
"reference": "string",
"merchantName": "string",
"merchantCategoryCode": "string",
"billerCode": "string",
"billerName": "string",
"crn": "string",
"apcaNumber": "string",
"extendedData": {
"payer": "string",
"payee": "string",
"extensionUType": "x2p101Payload",
"x2p101Payload": {
"extendedDescription": "string",
"endToEndId": "string",
"purposeCode": "string"
},
"service": "X2P1.01"
}
},
"links": {
"self": "string"
},
"meta": {}
}{
"type": "connection",
"id": "8fce3b",
"status": "active",
"lastUsed": "2017-09-28T11:15:09Z",
"profile": {
"fullName": "Gavin Belson",
"firstName": "Gavin",
"lastName": "Belson",
"phoneNumber": "0400 000 000",
"email": "gavin@hooli.xyz",
"physicalAddresses": [
{
"addressLine1": "666 Better Place Rd",
"postcode": "94020",
"city": "Palo Alto",
"state": "California",
"country": "USA",
"countryCode": "US",
"formattedAddress": "666 Better Place Road, Palo Alto 94020, CA, USA"
}
]
}
}Start building for free today and have a play with our API’s in our rich sandbox environment
CDR Access Models
In order to use Open Banking under the Consumer Data Right, organisations must choose a pathway for participation in the CDR from a range of models. Discover the access models currently available, along with crucial information to consider when choose a participation model including the pros and cons of each.
Open Banking CDR Resources
Whitepaper – The Future of Third Party Payment Initiation in Australia
Basiq
Industry Leading Products
Some of the most innovative fintechs in the world utilise the Basiq platform to provide market leading solutions.
Access account and transaction
data in real-time
Connect
Get real-time access to account details, balances and transactions from financial institutions.
Gain deep insight of your
customer’s finances
Affordability
Get a better understanding of your customer’s financials by identifying income sources, expenses, assets and liabilities.
Enhance transactions with
merchant data
Enrich
Get rich insights by identifying the merchant, expense category and location of each bank transaction.
Ready to get started?
Get in touch or create an account.
