Check account requirements for Open Banking

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.

We got this information in February 2026 from the Bank of Melbourne website.

You can share your Bank of Melbourne consumer data for any eligible products and services that relate to you as an individual or organisation, once you’ve authorised it via Internet Banking.

This means you must:

• be registered for internet banking, and

• use your Customer Access Number (CAN) and One Time Password (Secure Code) to approve data sharing.

Once that’s set up, you can choose to share data for eligible accounts in your name, including:

• personal accounts (e.g. transaction/savings, credit cards, home loans, personal loans, etc.) where you’re the holder

• joint accounts, if they’re enabled for data sharing – from 4 August 2022 joint accounts can be enabled so that any joint holder can authorise sharing with an ADR, unless a holder disables data sharing for that joint account via the consent dashboard.

• organisation (business) accounts, but only from solely-owned accounts, and only via Nominated Representatives that your organisation has formally appointed via the Open Banking Data Sharing Authority form.

We got this information in February 2026 from the Macquarie website.

Eligible account holders can instruct Macquarie to share consumer data for these personal banking products:

• Macquarie Transaction Account

• Macquarie Savings Account

• Macquarie Term Deposit

• Macquarie Offset Account / Offset Home Loan (BSB starting with 182)

• Macquarie Basic Home Loan (BSB starting with 182)

• Macquarie Line of Credit

• Macquarie Car Loan

• Macquarie Black Credit Card

• Macquarie Platinum Credit Card

• Macquarie RateSaver Credit Card

• Aussie Home Loans–branded home loans and related offset/transaction accounts

• Bell Potter Cash Management Service Account

For business banking, eligible business customers can share data for these business products:

• Macquarie Business Transaction Account

• Macquarie Business At Call Investment Account

• Macquarie Business Term Deposit

• Macquarie Business Cheque Account

• Macquarie Business Regulated Trust Account

• Macquarie Cash Management Account (CMA)

• Macquarie CMA Accelerator

• Macquarie Property Versatile / Property Essential / Property Plus

• Macquarie ONE (various residential and commercial variants)

• Macquarie SMSF Property Loan

• Macquarie Fully Drawn Advance (incl. Specialist Exertion Loan)

• Macquarie Smart Business Loan

• Macquarie Revolving Line of Credit / Overdraft Account

We got this information in February 2026 from the St George website.

For St. George, Open Banking is not limited to just one or two account types – it’s tied to whether:

• you’re an eligible customer (registered for internet banking, 18+, etc.), and

• the account is an eligible St. George product in your internet banking profile.

Which St. George accounts can use Open Banking?

You can share your St. George consumer data for eligible products and services that relate to you as an individual or organisation, once you authorise it via internet banking.

This typically includes:

• Transaction / everyday accounts (e.g. Complete Freedom, other everyday accounts shown in Internet Banking)

• Savings accounts and term deposits (Incentive Saver, Maxi Saver, term deposits, etc.)

• Home loans, personal loans and credit cards, where those products are in your Internet Banking

• Joint accounts, once joint-account sharing is enabled (see below)

• Organisation / business accounts, but only for solely‑owned accounts and via nominated reps.

Joint accounts

From 4 August 2022, St. George enabled Open Banking for eligible joint accounts:

• When a joint account is enabled for data sharing, any joint holder can:

  • authorise sharing of that joint account’s data, and

  • stop sharing for that joint account.

• Existing authorities like “more than one to sign” don’t override this – CDR rules treat any joint holder’s consent as pre‑approved by the others, until someone disables data sharing for that account.

• Any joint holder can go into the online consent dashboard in Internet Banking to disable data sharing for that joint account; once disabled:

  • existing sharing ceases for that joint account;

  • no new sharing can be set up;

  • re‑enabling requires approval from all joint holders within a set timeframe.

Organisation / business accounts

For non‑individual / organisation customers (companies, trusts etc.):

• The organisation must appoint one or more Nominated Representatives via the Open Banking Data Sharing Authority form.

• Each nominated rep has their own Customer Access Number (CAN) and Secure Code access.

• Nominated reps can share data only from the organisation’s solely‑owned accounts.

• Removing all nominated reps stops sharing for that organisation until new reps are appointed.