Open Banking for Developers

Open Banking will allow developers to build apps and services based on accessing product and consumer data held by financial institutions, like banks.

About Open Banking

Open Banking will allow developers to build apps and services based on accessing product and consumer data held by financial institutions, like banks.

Our base URL for API calls is https://product.api.heritage.com.au/cds-au/v1/

We support these two specifications:

  • Get Products 
    https://consumerdatastandardsaustralia.github.io/standards/#get-products 
  • Get Product Detail 
    https://consumerdatastandardsaustralia.github.io/standards/#get-product-detail 
Heritage implemented our consumer data sharing APIs on 1 July 2021. Remember, to access Consumer Data Right data you'll need to be accredited by the ACCC and get permission from the customer. Heritage consumer data sharing APIs are currently not available to developers.
Our Plan

Product data

As part of the first stage of Open Banking, Heritage shared publicly available information, such as product rates, fees and features across our products. We shared this information via APIs (application programming interfaces) for third parties to access. This means that third parties such as comparison websites or financial planners, can use this general information to compare bank products for you and find a product that fits best. 

Consumer data

From 1 July 2021, you can share your Basic Bank Account Data on individual accounts. You can manage this consent in your Consent Dashboard, accessible through Heritage Online and the Mobile Banking App.

In future releases, in accordance with the Australian Competition & Consumer Commission (ACCC) timeline, you'll be able to share more data such as information on joint accounts, direct debits, scheduled payments, your regular payees, recurring account and payment details and closed accounts.