skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Data Sharing Arrangements using Open Banking

What is Open Banking?

Open Banking is the Consumer Data Right as applied to the banking industry. The Consumer Data Right was introduced by the Australian Government to give you greater control of your data.

You can choose to share your ANZ data with third parties accredited by the Australian Government (known as Accredited Data Recipients) that must meet strict requirements to receive data.

Do I have to share data through Open Banking?

No – it’s always your choice. The decision to use, or not to use Open Banking, is yours.

Is Open Banking secure?

Yes. Customer data security is important to ANZ and all requests to access your data must be initiated by you, through a secure environment. ANZ cannot do this on your behalf. Additonally, Accredited Data Recipients you choose to receive your data must comply with strict privacy and security standards in order to become accredited.

ANZ will never ask you to share your Customer Reference Number (CRN) or password with Accredited Data Recipients requesting data using Open Banking. 

For more information about Open Banking and security, please refer to

Who is eligible to take part in Open Banking?

ANZ customers can share their data with Accredited Data Recipients when they meet the customer and account eligibility criteria below.

Customers must meet all customer eligibility criteria below:

  • Must be 18 years old or over
  • Must have a valid mobile phone number (required to support authentication using a One-Time Password)
  • Must own at least one publicly offered banking product which is accessible online.

For secondary users:

  • A secondary user must be an additional cardholder, authorised third party signatory, or power of attorney
  • Secondary user permissions must be enabled by the account holder
  • Can share data on solely owned accounts only

For business customers who are on ANZ Internet Banking for Business:

  • Must have at least one Nominated Representative. Click here for more details about Nominated Representatives
  • Must have at least one open account in ANZ Internet Banking for Business  

Please refer to Open Banking Help for Internet Banking for Business for more details

Open Banking is available through ANZ's primary retail and business channels (i.e. ANZ Internet Banking, ANZ App, and ANZ Internet Banking for Business). If you’re an eligible customer but don’t have access to these channels, please contact us to see how we can help you access Open Banking.

To share your data for an account, the account must meet the eligibility criteria below:

  • It must be either an open account, or an account that has been closed within the last 24 months
  • It must be accessible on ANZ Internet Banking, ANZ App or ANZ Internet Banking for Business
  • It must be one of the following accounts
Account eligibility
Deposit, Transaction and Savings accounts Mortgage and Personal Loan accounts Business 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
  • Home loans
  • Mortgage offset accounts
  • Personal loans
  • 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
  • For solely owned accounts, it must be an account in the name of the customer (for business accounts, this is the sole trader)
  • For joint accounts:
    • It must have two owners
    • The customer must be a co-owner of the account, or be a trustee of the account
    • Data sharing must be enabled. 

Please refer to: How do I enable data sharing for my joint accounts?

Please note: if you are attempting to share account data, and one or more ANZ accounts are not available, this may indicate:

  • For joint accounts:
  1. you, your joint account holder or the account(s) do not meet the eligibility criteria, or
  2. you or your joint account holder have not enabled data sharing on the account
  • For secondary users:
  1. You, the secondary user or the account(s) do not meet the eligibility criteria, or
  2. the account holder has not enabled secondary user data sharing permissions on the account

Who can I share my banking data with?

Data sharing is only possible with third parties accredited by the Australian Government.

You can view the growing list of Accredited Data Recipients on the site here.

Who else can share data?

Account holders can allow additional cardholders, third party signatories or users with powers of attorney to share data on solely owned accounts. Known as ‘secondary users’, these users must meet customer eligiblity and have seconday user data sharing permissions enabled by the account holder in the ANZ App or internet banking.

View detailed step-by-step instructions here.

Administrators, on behalf of a business, can appoint one or more individuals (Administrators / Authorisors) to be Nominated Representatives to share data on behalf of a business. A Nominated Representative is a person appointed to manage data sharing arrangements on behalf of the business.

View detailed step-by-step instructions here.

What ANZ data can I share?

You can share your customer data, account data, and transaction data held by ANZ.

How can I start sharing my data?

To start sharing data, you must initiate the process from the website or app of the Accredited Data Recipient you want to access your data. During the process, you will be redirected to ANZ so we can authenticate you and prompt you to authorise ANZ to share your data with the Accredited Data Recipient.

Can I stop sharing my data?

Yes, you can choose to stop sharing data with an Accredited Data Recipient at any time. You can do this using the Accredited Data Recipient’s service, ANZ App or Internet Banking.

Note: Before stopping data sharing, ANZ encourages you to review your Accredited Data Recipient’s policy on deleting or de-identifying your data. If you want your data to be deleted, you must make that choice before you stop sharing. If you are unsure of their policy, or how this may affect you, contact your Accredited Data Recipient before stopping your data sharing arrangement.

View detailed step-by-step instructions here.

View detailed step-by-step instructions here.

Can I access ANZ’s Product Data?

If you are a developer, Open Banking allows you to access data about ANZ’s products currently offered to the market, using Application Programming Interfaces (APIs). These product APIs can be found here.

Where can I go for further information?

For more details on the Consumer Data Right, please refer to

Details about ANZ’s Consumer Data Right Policy can be found here.

Need step-by-step instructions on performing Open Banking tasks?

  • ANZ App or Internet Banking help can be found here
  • Internet Banking for Business help can be found here

If you use Internet Banking for Business, we’ve made changes to ANZ’s Electronic Banking Conditions of Use for business. Click here for more details.

If you are experiencing any issues, or have any concerns, please contact us on 13 13 14.