Open Banking Data Sharing FAQ's

If you have a personal (individual or joint account) and non-personal membership, you can opt in to share your data with accredited parties as part of Open Banking and Consumer Data Right. 

You are in control of when and who you share your data with. You can withdraw or change your existing consents at any time in the Consent Dashboard accessible through Heritage Online or the Mobile Banking App. 

From 1 November 2022, you can consent to share specific data for your personal (individual and joint account) and non-personal memberships, such as transactions, savings, home loans, mortgage offsets, personal loans, business accounts and credit card accounts. You can choose to share all this information, or only certain types of data including:

Bank Account Data

• Savings, transaction and term deposit accounts
• Credit card accounts
• Home loans 
• Mortgage offset accounts
• Personal loans
• Closed accounts

Bank Transaction Data

• How many transactions you've done in a period of time
• Any loan repayments
• Any cheque bounces
• Minimum balance with account
• Incoming transactions
• Outgoing transactions
• Direct debits
• Scheduled payments
• Saved payee details

Bank Customer Data 

• Name
• Occupation
• Phone
• Email address
• Mail address
• Residential address

Detailed Organisation Data

• Agent name and role 
• Organisation name 
• Organisation numbers (ABN or ACN)
• Charity status
• Establishment date
• Industry
• Organisation type
• Country of registration
• Organisation address
• Mail address
• Phone number

In this phase of Consumer Data Right, you can only consent to share your data with an accredited data recipient. When you authorise a new sharing consent through a third party, they must be accredited with the ACCC and meet certain rules and safeguards to access your data.

You can check the Register of Accredited Persons at cdr.gov.au at any time to confirm whether a business or person you are considering sharing your data with is accredited. Plus, all accredited data recipients are authorised to display the Consumer Data Right logo.

Under the Consumer Data Right legislation, we will not charge you to share your data with an accredited third party.

We won't charge an accredited third party to access your data either.

There are several ways you can get in touch with us if you have questions about Open Banking.

In person

Visit your local Heritage Bank branch and talk to our staff

Phone

Heritage Open Banking Team, based in Queensland

Australia: 1300 912 150 

Overseas: +617 4694 9000

Email:

openbanking@heritage.com.au

Mail:

Open Banking

Heritage Bank

PO Box 190

Toowoomba QLD 4350

Website:

Visit our contact us page and complete the online form.