Banking API — Open 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.
Accessing consumer banking data under Australia's Consumer Data Right requires CDR accreditation — but Fiskil handles this for you. Sign up with Fiskil and we manage the accreditation, FAPI 2.0 security, consent flows, and bank connectivity. Whether you need sponsored access for the fastest path to market or full ADR accreditation, Fiskil provides the infrastructure and compliance support to get you live quickly.
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
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.
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.
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.
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.
In Practice
How Teams Use This
Series A Fintech Choosing Sponsored Access
An early-stage lending fintech used Fiskil's sponsored model to access CDR data within weeks rather than spending 6 months on full ADR accreditation, allowing them to validate their product with real banking data quickly.
Accessed CDR data within 3 weeks of signing with Fiskil, validated product-market fit, and later transitioned to full ADR accreditation after raising Series B funding.
Accounting Platform Becoming a CDR Representative
A mid-size accounting SaaS company became a CDR Representative under Fiskil's principal ADR accreditation, gaining access to consumer banking data with reduced compliance overhead.
Launched CDR-powered bank feed feature in 8 weeks, compared to the 6+ month timeline estimated for direct ADR accreditation, serving 3,000 SME customers.
Established Bank Achieving Full ADR
A challenger bank used Fiskil's compliance documentation and technical platform to support their full ADR accreditation, wanting maximum control over their data recipient operations.
Achieved ADR accreditation in 4 months (vs. 6 month average) by leveraging Fiskil's pre-built security infrastructure and compliance templates.
Technical Details
What You Integrate With
API endpoints
GET /v1/cdr/register/data-holdersPOST /v1/consentsGET /v1/consents/{consentId}GET /v1/cdr/conformance/testGET /v1/cdr/status
Data returned
CDR Register metadata
Data holder brand information
Consent records and status
Conformance test results
Accreditation status and obligations
Authorisation
OAuth 2.0 / FAPI 2.0 with PAR and JAR
Scheduled or batch data access.
Ready to get started?
Get your API keys today and start building with Fiskil's Banking API.
FAQs
Related Use Cases
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CDR Data Access
Retrieve CDR-designated banking data including accounts, transactions, balances, payees, and product reference data from all major Australian banks through Fiskil's Consumer Data Right API integration.
Open Banking AU
CDR Consent Management
Manage the full CDR consent lifecycle including collection, amendment, renewal, and revocation. Fiskil's consent management API ensures compliant handling of consumer data sharing authorisations across all Australian banks.
Get started today
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