Securely sharing data

As a digital bank, we're committed to empowering you to share your banking data securely and with confidence.

5G heralds new era of innovation

Share your banking data with select accredited third parties or access information about our products using our suite of Consumer Data Right compliant APIs.

The Consumer Data Right

A new banking landscape

A new banking landscape

Open banking is the first stage of the Consumer Data Right (CDR), an industry-wide right giving you the ability to conveniently access your data as held by businesses and to authorise its sharing with trusted and accredited third parties. Some benefits of CDR are listed below.

  • Choice: The sharing of generic product information between banks enables you to choose between different banking products and services more easily.
  • Control: Gain visibility of the third parties accessing your banking data and withdraw your authorisation for them to access it at any time.
  • Security: Be confident that your banking data is being shared under the regime’s strong privacy and security protections.
  • Convenience: Automate the sharing of data that you may have had to manually provide before.
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Our open banking timeline

When will data be available?

When will data be available?

Sole account holders can now share their banking data with Accredited Data Recipients (ADRs) for Macquarie credit cards, home loans, term deposits, cash management accounts, transaction accounts and savings accounts. In the future, customers will also be able to share banking data for joint accounts.

Product Reference Data is also available for select products. For more information on the Consumer Data Right and when more data will be released, visit

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Macquarie connectivity solutions

Innovative and proven solutions

Innovative and proven solutions

Macquarie has decades of experience in sharing data and offer a wide range of solutions.

  • esi Datafeeds: Automate the entry of account data for advised Macquarie cash management accounts, term deposits, online trading and wrap accounts.
  • esi Account Opening: Initiate Macquarie cash management, online trading and term deposit account applications directly from your software using the data already in your platform.
  • DEFT API: Create a branded payments experience using our suite of tokenised credit card, bank account and direct debit APIs.
  • Direct Downloads: Automate the download of reconciliation files for business banking accounts.
  • Direct Uploads: Automate the upload of bulk payment files to our Active Banking website for authorisation and processing.
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Looking to integrate with us?

Register on our devXchange website to access our online documentation and sandpit environment (including information on our open banking APIs).

After you’ve explored the connectivity solutions that we offer, contact us at to kickstart your integration with us.

Frequently Asked Questions

CDR is a law first passed by the Federal Government in 2019. It provides consumers with rights to conveniently access their banking data and share it with select accredited third parties. In the banking sector, this regime is also called open banking.

For more information on what CDR is and its benefits, the Australian government has created

Consumer data sharing allows eligible customers to share their consumer data with third parties of their choosing, accredited under the Consumer Data Right (CDR).

This gives customers control over their data and the power to manage how and with which accredited data recipients their consumer data is shared.

Please see the CDR website for more information about how CDR works.

Account holders can instruct us to share their consumer data for the following account types:

  • Macquarie Transaction Account
  • Macquarie Savings Account
  • Macquarie Black Credit Card
  • Macquarie Platinum Credit Card
  • Macquarie Ratesaver Credit Card
  • Macquarie Cash Management Account (CMA)
  • Macquarie CMA Accelerator
  • Macquarie Term Deposit
  • Macquarie Basic Home Loan
  • Macquarie Offset Home Loan
  • Macquarie Line of Credit.

Only consumer data held in an individual capacity (not joint) can currently be shared. Joint accounts will be made available by 1 October 2022.

We’ll update this list as we include more account types within the Consumer Data Right (CDR) regime.

You can find this information in our CDR Policy.

If you’re having trouble connecting your Macquarie accounts to an accredited data recipient or have any questions regarding Macquarie Bank’s open banking service, please call us on 133 174 (+61 2 8245 4470), 24/7.

Product Reference Data is currently available for the following products:

  • Macquarie Transaction Account
  • Macquarie Savings Account
  • Macquarie Black Credit Card
  • Macquarie Platinum Credit Card
  • Macquarie RateSaver Credit Card
  • Macquarie Term Deposit
  • Macquarie Business Term Deposit
  • Macquarie Business Transaction Account
  • Macquarie Bank At Call Investment Account
  • Macquarie Business Regulated Trust Account
  • Macquarie Cash Management Account (CMA)
  • Macquarie CMA Accelerator (Accelerator)
  • Macquarie Basic home loan
  • Macquarie Offset home loan
  • Macquarie Property Versatile
  • Macquarie Specialist Exertion Loan
  • Macquarie CommOne
  • Macquarie Fully Drawn Advance
  • Macquarie Line of Credit
  • Macquarie Overdraft Account
  • Macquarie Smart Business Loan

Additional information

This information is provided by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502 (MBL).  Except for MBL, any Macquarie entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of MBL. MBL does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.