What is the Customer and Product Data Act (CPDA)?

The CPDA is New Zealand's open banking legislation, enacted in 2023 and operational from December 2025. It requires designated data holders (banks) to share customer data with accredited requestors upon customer consent, similar to Australia's Consumer Data Right.

Which New Zealand banks are available through Fiskil?

Fiskil connects to the NZ Big 4 banks — 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.

How does NZ open banking differ from Australian CDR?

NZ open banking under the CPDA uses Payments NZ API Centre standards (rather than CDR Data Standards), and has different accreditation terminology (accredited requestor vs accredited data recipient). The consent framework and security requirements also differ.

What data is available through the CPDA?

The CPDA provides access to customer and product data including account details, balances, transaction history, direct debits, scheduled payments, and product information across savings, transaction, credit card, and loan accounts.

Do I need separate accreditation for NZ and Australia?

Yes, NZ accredited requestor status is separate from Australian CDR accreditation. However, Fiskil handles both compliance frameworks, allowing you to operate in both markets through a single API integration.

What technical standards does NZ open banking use?

NZ open banking uses the Payments NZ API Centre v2.3.3 standards, which are based on the UK Open Banking Implementation Entity (OBIE) standards. This differs from Australia's CDR Data Standards but Fiskil abstracts these differences through a unified API.

Banking API for New Zealand Open Banking | Fiskil

Banking API for New Zealand Open Banking

New Zealand's Customer and Product Data Act (CPDA) went live in December 2025, creating a new open banking framework across the Tasman. Fiskil's Banking API provides compliant access to NZ banking data through the Payments NZ API Centre standards, enabling fintechs and businesses to connect to the NZ Big 4 banks and Kiwibank through a single integration.

The Challenge

New Zealand's open banking framework is live but the ecosystem is nascent. Businesses wanting to access NZ bank data face unfamiliar regulatory requirements, different technical standards from Australia's CDR, and limited infrastructure support from existing providers.

The Solution

Fiskil provides a single API to access NZ banking data under the CPDA framework. We handle accredited requestor compliance, Payments NZ API Centre standards, and bank-specific integration requirements so you can launch in the NZ market quickly.

Benefits

Key Benefits

CPDA Compliant

Built for Customer and Product Data Act compliance, meeting all accredited requestor requirements from day one.

NZ Big 4 + Kiwibank Coverage

Connect to ANZ NZ, ASB, BNZ, Westpac NZ, and Kiwibank (June 2026) through a single integration.

Payments NZ Standards

Full compliance with Payments NZ API Centre v2.3.3 technical standards for secure data exchange.

Use Cases

Common Use Cases

CPDA Compliance

Meet accredited requestor requirements and access NZ banking data compliantly.

NZ Bank Integration

Connect to ANZ NZ, ASB, BNZ, Westpac NZ, and Kiwibank through standardised APIs.

Product Data Access

Access product reference data including rates, fees, and terms across NZ bank products.

Ready to get started?

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

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