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

Access information about our products or share your banking data with select accredited third parties 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, an economy-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.

  • 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 consent 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?

Product Reference Data for Macquarie term deposits, cash management accounts, transaction accounts, savings accounts, credit cards, home loans as well as business cheque and investment accounts is already available.

Come 1 July 2021, customers will also be able to share their banking data with accredited third parties for Macquarie credit cards, term deposits, cash management accounts, transaction accounts, savings accounts as well as business cheque and investment accounts.

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 sharing data. Looking to integrate with us? We 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

Open banking is a new government mandated service which empowers consumers to share their banking data with select accredited third parties.

In Australia, this service is being implemented by all Authorised Deposit-taking Institutions (ADIs) under the Consumer Data Right (CDR) regime. It will also require these institutions to provide public access via electronic means to information on specific products that they offer.

For more information on open banking and the benefits of CDR, the Australian government has created
Under the Consumer Data Right (CDR), product reference data refers to the supplying of product information we already make publicly available through our website (such as Product Disclosure Statements (PDS) and terms & conditions) in a machine-readable form. Generally, this includes information such as:
  • product details such as its name, type and features
  • pricing information including fees and rates
  • eligibility criteria and terms of use.
We currently make available public product information (product reference data) for our basic deposit and credit card (Phase 1) as well as our home loan and offset (Phase 2) products.

We’ll begin enabling our customers to share their banking data with select accredited data recipients for Phase 1 products by 1 July 2021 as per our ongoing Consumer Data Right (CDR) obligations.

For more details on the various stages of the CDR, please refer to the CDR Rollout.
Public product information is 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 Cash Management Account (CMA)
  • Macquarie CMA Accelerator
  • Macquarie Basic home loan
  • Macquarie Offset home loan
  • Macquarie Property Versatile
  • Macquarie Specialist Cashflow loan

We’ll update this list as we release more products under the regime.

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.