Compatibility checker

To use open banking, ANZ customers need access to ANZ app, ANZ Internet Banking, or ANZ Internet Banking for Business.

Setup requirements

Secondary users on ANZ App and internet banking must:

• be authorised to transact as an additional cardholder, third-party signatory, or power of attorney

• have secondary user permissions enabled by the account holder.

Customers using ANZ Internet Banking for Business (business customers) must:

• have an administration assign at least one Nominated Representative to share data on behalf of the business

• have at least one open account in ANZ Internet Banking for Business.

Eligible bank accounts

Your bank account must be listed to be eligible.

Personal accounts

• Savings accounts

• Call accounts

• Term deposits

• Current accounts

• Cheque accounts

• Debit card accounts

• Transaction accounts

• Personal basic accounts

• GST and tax accounts

• Personal credit card accounts

• An account with a line of credit, overdraft or deemed rate.

Mortgage and Personal Loan accounts

• Home loans

• Mortgage offset accounts

• Personal loans.

Business accounts

• Farm management accounts

• Pensioner deeming accounts

• Retirement savings accounts

• Trust accounts

• An account with a line of credit, overdraft or deemed rate

• Business credit card accounts

• Business loans.

Solely owned accounts

The account must be in the name of the customer (for business accounts, this is the sole trader).

Joint accounts

• All customers must be eligible to be able to share data for the account

• All customers are a co-owner of the account or a trustee of the account (cannot be a partnership)

• Data sharing must be enabled on the account.

To use open banking, CommBank customers need to be registered for NetBank.

Eligible bank accounts

• Credit cards

• Deposit and transaction accounts

• Offset accounts

• Home loans and personal loans

• Overdrafts

• Lines of credit

• Business and asset finance

• Foreign currency accounts

• Margin loans and investment loans

• Trust accounts

Joint accounts are set up for open banking

You can start or stop sharing your data through open banking at any time. To change your data sharing settings, go to Settings, Manage data sharing, Open Banking data sharing then Joint account sharing preferences. Choose the joint account and change the settings. The other joint account holder will be asked to approve or decline the request.

Data sharing issue affecting some business customers – Trading Entity Business Name

CommBank is working on a solution to enable data sharing for business customers with accounts under a Trading Entity Business Name (TEBN) profile type. Learn more about the issue.

To use open banking, Westpac customers need to be registered for SMS Protect and online banking.

Eligible bank accounts

• Transaction Accounts​

• Savings Accounts​

• Term Deposits​

• Credit Cards​

• Mortgage Products​

• Personal Loans.

Joint accounts need to have data sharing enabled

Joint accounts require that data sharing is enabled for open banking data to be shared.

If data sharing was enabled for a joint account before 4 August 2022, it will remain enabled.

If the data sharing was disabled in a joint account, any account holder can request it in the online consent dashboard in online banking. If the request to enable sharing was pending before 4 August 2022, all joint account holders must approve the request within a set time.

Any joint account holder can check or disable data sharing anytime through the online consent dashboard in online banking.

Eligible bank accounts

• credit or debit cards

• term deposits

• transaction and savings accounts

• home loans (mortgages)

• personal loans

• business loans.

Eligible bank accounts

• savings

• transaction

• credit cards

• term deposit

• home loan

• personal loan

• business loan

• overdraft accounts, including joint accounts that you hold with Great Southern Bank.

Some business accounts are not eligible

Business accounts held by sole traders, companies and trusts, including self managed super funds are currently not available. Supplementary Credit Card holders are currently not able to access open banking data sharing.

Joint account holders and signatories need to be set up

If you have a joint account, then any joint account holder can share your joint account data, though you will be notified if they do, and you have a choice to disable data sharing at any time for any of your joint accounts.

A signatory (including business signatories and supplementary credit cardholders) can share your data through open banking if they are set up as a ‘delegate’ via the Open Banking dashboard. This set up must be done by the account owner or controlling person.

To use open banking, Great Bank customers need to be registered for their app or online banking

Joint accounts are set up for open banking

Eligible joint accounts will be automatically enabled for sharing, should any one of the owners wish to do so. Any owner of a joint account can disable their joint account/s from being shared by the other owners.

Secondary users

Secondary users have been given permission by the individual owner to act on the account. You must be linked to the account and have permission to make transactions on the account. For example, Authorised user (authorised signatory), online banking (full access) or secondary card holder of a credit card.

To use open banking, Bank Australia customers need to have an email address registered with the bank.

Eligible bank accounts

Open banking is available for personal accounts, joint accounts and non-personal accounts:

• Transaction and Saving Accounts

• Credit cards

• Term Deposits

• Offset accounts

• Personal loans

• Home loans.

Secondary users on personal and joint accounts need to be nominated to be eligible to share banking data.

For non-personal accounts (like business and organisational accounts), the signatories can appoint nominated representatives to share Open Banking data with Accredited Data Recipients on behalf of the organisation by completing the Open Banking data sharing authority for non-personal accounts. Please return the completed form to Bank Australia for activation.

To use open banking, Bendigo Bank customers need to have access to e-banking and have been appointed to share data on an account that you do not own.

Joint account holders need to have data sharing enabled

Before a data sharing arrangement can be set up for a joint account, all account owners need to “allow sharing” on that account prior to starting the process with a provider. All customers need to:

• sign into e-banking

• go to the Data Sharing & Permissions menu

• select joint accounts

• select the button next to the account they wish to allow sharing on

Once all customers have allowed sharing, any account owner can then set up a data sharing arrangement with an accredited provider.