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.

‘Dynamic Switching’ with a single unified API

Dynamically switch between CDR Open Banking data collection and digital data capture to enable a seamless extension of apps with minimal code changes. Let us worry about ‘the pipes’ and see unified, aggregated banking data in a single view.

custoer driven 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.

CDR compliant Data Governance

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.

Intuative dashboard

Intuitive Dashboard

Easily monitor job and connector performance with our intuitive dashboard.

enterprise-grade security

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

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

Open Banking CDR Resources

The Definitive Guide to Open Banking in Australia

Basiq Blog

Basiq Guide To CDR Access Models

Basiq

Basiq CDR Policy

Basiq

Whitepaper – Visualising an Open Finance Ecosystem

Basiq

Whitepaper – The Future Of Open Banking

Basiq

CDR Rollout Timeline

cdr.gov.au

CDR Accreditiation Process

cdr.gov.au

Your Accreditation Checklist

cdr.gov.au

Open Banking Data Holders

cdr.gov.au

Open Banking Data Recipients

cdr.gov.au

Data Holder Performance

cdr.gov.au

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.