Banking API for Cross-Tasman Operations
Banking API for Cross-Tasman Operations (AU + NZ)
Fintechs and financial services companies operating across the Tasman face two distinct open banking frameworks: Australia's Consumer Data Right (CDR) and New Zealand's Customer and Product Data Act (CPDA). Different legislation, terminology, technical standards, and accreditation requirements create complexity for businesses building cross-border products. Fiskil's Banking API provides a unified interface across both markets, handling the regulatory and technical differences so you can focus on building products for both countries.
The Challenge
Cross-Tasman businesses must navigate two different open banking frameworks simultaneously. Australia uses CDR Data Standards with ADR accreditation while NZ uses Payments NZ API Centre v2.3.3 with accredited requestor status. Different APIs, different consent models, and different regulatory bodies create significant implementation and compliance overhead.
The Solution
Fiskil provides a single API that abstracts the differences between Australian CDR and NZ CPDA. Connect to banks in both countries through one integration, manage dual compliance requirements through one platform, and build products that work seamlessly across the Tasman.
Benefits
Key Benefits
Single API, Two Markets
Access Australian and New Zealand bank data through one API integration — no need to build separate integrations for each market.
Dual Compliance
Meet both CDR (Australia) and CPDA (New Zealand) compliance requirements through Fiskil's infrastructure, without maintaining separate compliance programs.
Unified Data Model
Receive bank data from both markets in a consistent format, despite the underlying differences in CDR Data Standards and Payments NZ API Centre specifications.
Cross-Market Data Normalisation
Receive consistent, normalised data from both AU and NZ banks regardless of differing underlying standards and data formats.
Use Cases
Common Use Cases
Dual Compliance
CDR + CPDA dual compliance implementation for cross-border operations.
Data Standards Comparison
Understanding CDR Data Standards vs Payments NZ API Centre differences.
Multi-Market Integration
Single API for connecting to both Australian and New Zealand banks.
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FAQs
CDR (Australia) and CPDA (New Zealand) serve similar purposes but differ in implementation. Key differences: CDR uses CDR Data Standards while CPDA uses Payments NZ API Centre v2.3.3; CDR accreditation is through the ACCC while CPDA uses an accredited requestor model; consent models and data scopes also differ between the two frameworks.
Yes, Australian CDR accreditation (ADR, Representative, or Sponsored) is separate from NZ accredited requestor status. Fiskil holds appropriate accreditation in both jurisdictions, allowing you to access both markets through a single integration.
The underlying standards differ — CDR uses Australian-specific Data Standards while Payments NZ API Centre is based on UK OBIE standards. However, Fiskil normalises data from both sources into a unified API response, eliminating the need to handle different data models in your application.
You can connect to the NZ Big 4 — ANZ New Zealand, ASB, BNZ, and Westpac New Zealand — which went live in December 2025. Kiwibank is expected to join in June 2026 with full compliance by December 2026.
CDR consent uses specific rules around consent duration, amendment, and revocation defined in CDR Rules. CPDA consent follows Payments NZ standards with different consent lifecycle management. Fiskil handles both consent frameworks, providing a unified consent experience for your users.
Australia has a population of 26 million and NZ adds 5 million — a 19% market expansion. Many Australian fintechs already have NZ users, and the CPDA creates a regulatory framework to serve them with open banking features. Operating in both markets with a single integration maximises return on development investment.
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