Banking API — Open Banking NZ
Connect to ANZ NZ, ASB, BNZ, Westpac NZ, and Kiwibank APIs
Integrate with all major New Zealand bank APIs through a single connection. Fiskil provides unified access to ANZ NZ, ASB, BNZ, Westpac NZ, and Kiwibank via Payments NZ API Centre v2.3.3 standards.
New Zealand's five major banks — ANZ NZ, ASB, BNZ, Westpac NZ, and Kiwibank — are progressively making customer data available through the Payments NZ API Centre framework under the CPDA. Rather than building and maintaining five separate bank integrations with differing implementation details, Fiskil provides a single API that normalises the differences and gives you consistent access to accounts and transactions across all supported NZ banks.
The Challenge
Connecting directly to each NZ bank requires navigating different onboarding processes, API variations, and rollout timelines.
The Solution
Fiskil abstracts the complexity of multi-bank integration behind a single, normalised API. Connect once to Fiskil and access account data from every supported NZ bank.
Capabilities
How Fiskil Helps
Unified Account Data Model
Account details, balances, and transactions from ANZ NZ, ASB, BNZ, Westpac NZ, and Kiwibank are normalised into a consistent data schema regardless of the originating bank.
Automatic Bank Onboarding
Fiskil manages the trust framework registration, MTLS certificate provisioning, and OAuth client setup with each bank, eliminating per-bank onboarding effort for you.
Graceful Bank Rollout Handling
As new banks come online (e.g., Kiwibank in June 2026), Fiskil automatically adds support without requiring changes to your integration.
Bank-Specific Error Normalisation
Fiskil translates bank-specific error codes and edge cases into consistent error responses, so your application handles errors uniformly across all banks.
Implementation
How It Works
Sign Up with Fiskil
Create your Fiskil account. We handle the trust framework registration, bank connectivity, and Payments NZ compliance — you just need an account to get started.
Integrate Our Banking API
Use Fiskil's Banking API to access NZ bank data. We provide SDKs and a sandbox environment with test accounts for all supported NZ banks.
Fiskil Manages Consent and Bank Connections
Fiskil handles the consent authorisation flow with each bank. Your users select their bank and authorise access — we manage the rest.
Access Normalised Bank Data
Retrieve accounts, balances, and transactions from any connected NZ bank in a consistent format through Fiskil's unified API.
In Practice
How Teams Use This
Debt Consolidation Fintech
A lending platform integrated with Fiskil to pull transaction data from customers' ANZ NZ and ASB accounts simultaneously, enabling automated affordability assessment for debt consolidation loans.
Reduced loan application time from 5 days to 15 minutes by automating income verification and expense analysis across both banks.
Multi-Bank Budgeting App
A personal finance app connected to all five NZ banks through Fiskil's unified API to give users a single view of their finances, regardless of which banks they use.
Achieved 92% bank coverage for NZ users on launch day, with Kiwibank support automatically added when it went live in June 2026.
Payroll and Accounting Integration
A payroll SaaS company used Fiskil to reconcile salary payments against bank statements from BNZ and Westpac NZ business accounts.
Automated bank reconciliation for 1,200 SME customers, eliminating 4 hours of manual reconciliation per customer per month.
Technical Details
What You Integrate With
API endpoints
GET /v1/banks?country=NZGET /v1/accountsGET /v1/accounts/{accountId}GET /v1/accounts/{accountId}/transactionsGET /v1/accounts/{accountId}/balance
Data returned
Account details (number, type, name, currency)
Account balances (available, current, credit limit)
Transaction history (amount, date, merchant, category)
Bank metadata (name, logo, status, supported features)
Consent status and scope
Authorisation
OAuth 2.0 with FAPI 1.0 Advanced / MTLS
Real-time 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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