Banking APIOpen Banking AU

Become a CDR Accredited Data Recipient in Australia

Navigate CDR accreditation pathways — ADR, CDR Representative, or Sponsored — with Fiskil. Meet ACCC requirements, implement FAPI 2.0 security, and get to market faster with pre-built compliance infrastructure.

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The Challenge

Achieving CDR accreditation is a multi-month process with significant technical, legal, and operational requirements that can delay product launch.

The Solution

Fiskil provides the technical platform and compliance support to streamline your CDR accreditation, regardless of which pathway you choose.

Capabilities

How Fiskil Helps

Multi-Pathway Support

Choose the accreditation model that fits your stage and risk appetite: full ADR for maximum control, CDR Representative for faster launch under a principal, or Sponsored for the quickest path to market.

Pre-Built Security Infrastructure

Fiskil's platform implements the full FAPI 2.0 security stack required for CDR, including certificate management, token handling, and encryption at rest and in transit.

CDR Register Integration

Fiskil manages your software product registration on the CDR Register, keeps endpoint discovery metadata current, and handles Data Holder Brand lookups automatically.

Compliance Documentation Pack

Access template CDR Policies, consent information templates, dispute resolution procedures, and data handling documentation tailored to your accreditation pathway.

Implementation

How It Works

1

Sign Up with Fiskil

Create your Fiskil account. You can access CDR banking data through Fiskil without needing to go through the full accreditation process yourself — we handle it for you.

2

Choose Your Access Model

Work with Fiskil to determine the best CDR access model for your business: sponsored access for the fastest path to market, CDR Representative for more control, or full ADR if you need it.

3

Integrate Our Banking API

Use Fiskil's Banking API to access consumer banking data. We provide SDKs, documentation, and sandbox environments. Fiskil handles FAPI 2.0 security, consent flows, and CDR Register integration.

4

Go Live

Start accessing real consumer banking data from Australian banks. Fiskil manages ongoing compliance, consent lifecycle, and bank connectivity so you can focus on your product.

Ready to get started?

Get your API keys today and start building with Fiskil's Banking API.

FAQs

The three pathways are: (1) Accredited Data Recipient (ADR) — full accreditation from the ACCC with maximum control but highest obligations; (2) CDR Representative — operate under a principal ADR with reduced obligations; (3) Sponsored — access CDR data through an ADR sponsor like Fiskil with the lowest compliance burden. Each suits different business stages and risk appetites.

Full ADR accreditation typically takes 3-6 months including application preparation, ACCC review, and technical implementation. CDR Representative onboarding takes 4-8 weeks. Sponsored access through Fiskil can be operational in as little as 2-3 weeks.

Full ADRs require professional indemnity insurance with CDR-specific coverage. The minimum coverage amount depends on your data volume and risk profile. CDR Representatives and Sponsored participants have reduced or no insurance requirements as the principal ADR carries the insurance obligation.

Yes. Many businesses start with Sponsored or Representative access to launch quickly, then transition to full ADR accreditation as their business scales. Fiskil supports pathway transitions and helps you prepare for the upgraded accreditation level.

Obligations vary by pathway. Full ADRs must maintain a CDR Policy, conduct annual assessments, handle complaints, report data breaches to the OAIC, and respond to ACCC requests. Representatives and Sponsored participants have reduced obligations as the principal ADR handles most regulatory requirements.

Get started today

Talk to us about what you're building and we'll show you how we can help.

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Become a CDR Accredited Data Recipient in Australia | F...