aid: anz
url: https://raw.githubusercontent.com/api-evangelist/anz/refs/heads/main/apis.yml
name: Australia and New Zealand Banking Group (ANZ)
kind: company
description: Australia and New Zealand Banking Group Limited (ANZ) is one of Australia's
  "Big Four" banks, a publicly listed company (ASX and NZX code ANZ) headquartered in Melbourne
  that provides retail, commercial, and institutional banking across Australia, New
  Zealand, and internationally. ANZ is not a mutual or customer-owned institution;
  it is a shareholder-owned Authorised Deposit-taking Institution (ADI) regulated by
  APRA. As a designated data holder under Australia's Consumer Data Right (CDR / Open
  Banking), ANZ exposes a public, unauthenticated Product Reference Data (PRD) API
  conforming to the Data Standards Body (DSB) Consumer Data Standards, and operates
  a separate CDR brand endpoint for ANZ Plus. Consumer data sharing beyond product
  reference data is gated behind the CDR accredited-data-recipient (ADR) model using
  OAuth2 / OpenID Connect FAPI security profiles.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: anz:anz-cdr-product-reference-data-api
  name: Australia and New Zealand Banking Group (ANZ) CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking
  - Public
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://api.anz/cds-au/v1/banking/products
  properties:
  - url: https://www.anz.com.au/support/legal/anz-apis/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
    type: APIReference
  - url: openapi/anz-cds-banking-products-openapi.yml
    type: OpenAPI
  description: ANZ's public, unauthenticated Consumer Data Right Product Reference
    Data (PRD) API for the primary ANZ brand. It returns the bank's publicly offered
    banking products (accounts, cards, loans, overdrafts) as defined by the DSB Consumer
    Data Standards. Requires the CDS version header (x-v; version 4 and 5 confirmed
    live returning HTTP 200 with a data.products array).
- aid: anz:anz-plus-cdr-product-reference-data-api
  name: ANZ Plus CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - ANZ Plus
  - Public
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://cdr.apix.anz/cds-au/v1/banking/products
  properties:
  - url: https://www.anz.com.au/support/legal/anz-apis/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
    type: APIReference
  - url: openapi/anz-cds-banking-products-openapi.yml
    type: OpenAPI
  description: The Consumer Data Right Product Reference Data API for ANZ's separate
    digital brand, ANZ Plus, served under its own CDR data-holder brand host. Public
    and unauthenticated, conforming to the same DSB Consumer Data Standards banking
    products contract (x-v version 4 and 5 confirmed live returning HTTP 200).
- aid: anz:anz-cdr-accounts-balances-api
  name: Australia and New Zealand Banking Group (ANZ) CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Accounts
  - Balances
  - Banking
  - Consumer Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://api.anz/cds-au/v1/banking/accounts
  properties:
  - url: https://www.anz.com.au/support/legal/anz-apis/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
    type: APIReference
  - url: openapi/anz-cds-banking-products-openapi.yml
    type: OpenAPI
  description: ANZ's consumer-authorized CDR account and balance endpoints (Get Accounts,
    Get Bulk Balances, Get Account Balance, Get Account Detail) defined by the DSB
    Consumer Data Standards Banking API v1.36.0. Unlike Product Reference Data these
    are NOT public — a consumer must authorize an accredited data recipient (ADR) via
    the CDR OAuth2 / OpenID Connect FAPI flow, and calls run over the mutual-TLS data
    holder host. ANZ implements this surface as a designated CDR data holder.
- aid: anz:anz-cdr-transactions-api
  name: Australia and New Zealand Banking Group (ANZ) CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Transactions
  - Banking
  - Consumer Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://api.anz/cds-au/v1/banking/accounts/{accountId}/transactions
  properties:
  - url: https://www.anz.com.au/support/legal/anz-apis/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
    type: APIReference
  - url: openapi/anz-cds-banking-products-openapi.yml
    type: OpenAPI
  description: ANZ's consumer-authorized CDR transaction endpoints (Get Transactions
    For Account, Get Transaction Detail) from the DSB Consumer Data Standards Banking
    API v1.36.0. Consumer-authorized via the CDR ADR model (OAuth2 / OIDC FAPI) over
    the mutual-TLS data holder host; supports transaction filtering by date, amount,
    and text as defined by the shared standard. Not a public endpoint.
- aid: anz:anz-cdr-direct-debits-scheduled-payments-api
  name: Australia and New Zealand Banking Group (ANZ) CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Banking
  - Consumer Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://api.anz/cds-au/v1/banking/accounts/direct-debits
  properties:
  - url: https://www.anz.com.au/support/legal/anz-apis/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
    type: APIReference
  - url: openapi/anz-cds-banking-products-openapi.yml
    type: OpenAPI
  description: ANZ's consumer-authorized CDR direct-debit and scheduled-payment endpoints
    (Get Direct Debits For Account, Get Bulk Direct Debits, Get Scheduled Payments For
    Account, Get Scheduled Payments Bulk) from the DSB Consumer Data Standards Banking
    API v1.36.0. Consumer-authorized via the CDR ADR model (OAuth2 / OIDC FAPI) over
    the mutual-TLS data holder host; not public.
- aid: anz:anz-cdr-payees-api
  name: Australia and New Zealand Banking Group (ANZ) CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Payees
  - Banking
  - Consumer Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://api.anz/cds-au/v1/banking/payees
  properties:
  - url: https://www.anz.com.au/support/legal/anz-apis/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
    type: APIReference
  - url: openapi/anz-cds-banking-products-openapi.yml
    type: OpenAPI
  description: ANZ's consumer-authorized CDR payee endpoints (Get Payees, Get Payee
    Detail) from the DSB Consumer Data Standards Banking API v1.36.0, returning the
    consumer's saved payees. Consumer-authorized via the CDR ADR model (OAuth2 / OIDC
    FAPI) over the mutual-TLS data holder host; not a public endpoint.
- aid: anz:anz-payments-api
  name: Australia and New Zealand Banking Group (ANZ) Payments API
  tags:
  - Payments
  - NPP
  - Direct Entry
  - Business Banking
  - Institutional
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party Payments API suite on the ANZ Developer Portal, letting
    business and institutional customers automate and optimise payment workflows across
    domestic payment rails (NPP / direct entry). Access is partner-gated — customers
    onboard through the ANZ Developer Portal with OAuth 2.0 and API key management, and
    no public OpenAPI specification is published (partner-gated onboarding).
- aid: anz:anz-payto-api
  name: Australia and New Zealand Banking Group (ANZ) PayTo API
  tags:
  - Payments
  - PayTo
  - NPP
  - Real-Time Payments
  - Business Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party PayTo API (also available as a file channel) for real-time
    account-to-account payments and PayTo mandate management over the New Payments Platform
    (NPP). Documented on the ANZ Developer Portal; access is partner-gated for ANZ business
    customers with no publicly downloadable OpenAPI specification.
- aid: anz:anz-payid-check-api
  name: Australia and New Zealand Banking Group (ANZ) PayID Check API
  tags:
  - Payments
  - PayID
  - NPP
  - Validation
  - Business Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party PayID Check API to verify that a PayID is registered
    before initiating a payment or collection, streamlining NPP payment and collection
    workflows. Documented on the ANZ Developer Portal; access is partner-gated with
    no public OpenAPI specification published.
- aid: anz:anz-confirmation-of-payee-api
  name: Australia and New Zealand Banking Group (ANZ) Confirmation of Payee API
  tags:
  - Payments
  - Confirmation of Payee
  - Scam Prevention
  - Validation
  - Business Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party Confirmation of Payee API matches a recipient's account
    name against their BSB and account number to reduce mistaken and mistakenly-directed
    payments and help prevent scams before a payment is sent. Documented on the ANZ
    Developer Portal; access is partner-gated with no public OpenAPI specification.
- aid: anz:anz-account-statements-api
  name: Australia and New Zealand Banking Group (ANZ) Account Statements API
  tags:
  - Account Information
  - Statements
  - Reconciliation
  - Business Banking
  - Institutional
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party Account Statements API provides real-time and end-of-day
    account statements so business and institutional customers can monitor transactions
    and support reconciliation. Documented on the ANZ Developer Portal; access is partner-gated
    with no public OpenAPI specification published.
- aid: anz:anz-real-time-notification-api
  name: Australia and New Zealand Banking Group (ANZ) Real-Time Notification API
  tags:
  - Account Information
  - Notifications
  - Webhooks
  - Reconciliation
  - Business Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party Real-Time Notification API delivers instant alerts for
    transaction and account events so business customers can enhance real-time reconciliation.
    Documented on the ANZ Developer Portal; access is partner-gated with no publicly
    downloadable OpenAPI specification.
- aid: anz:anz-fx-api
  name: Australia and New Zealand Banking Group (ANZ) FX API
  tags:
  - Foreign Exchange
  - FX
  - Payments
  - Business Banking
  - Institutional
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party FX (Foreign Exchange) API to automate currency management
    and optimise foreign-exchange operations for business and institutional customers.
    Documented on the ANZ Developer Portal; access is partner-gated with no public OpenAPI
    specification published.
- aid: anz:anz-acmc-api
  name: Australia and New Zealand Banking Group (ANZ) ACMC (Accounts & Cash Management) API
  tags:
  - Account Information
  - Cash Management
  - Client Monies
  - Business Banking
  - Institutional
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party ACMC (Accounts & Cash Management) API suite supports
    client-monies and cash-management use cases for institutional customers, enhancing
    financial management across accounts. Documented on the ANZ Developer Portal; access
    is partner-gated with no public OpenAPI specification published.
- aid: anz:anz-npp-agency-api
  name: Australia and New Zealand Banking Group (ANZ) NPP Agency API
  tags:
  - Payments
  - NPP
  - Agency
  - PayTo
  - Confirmation of Payee
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party NPP Agency API set (Agency Core, Agency PayTo Payer,
    Agency PayTo Biller, and Agency Confirmation of Payee) provides core payment and
    account-management capabilities for New Payments Platform agency services. Documented
    on the ANZ Developer Portal; access is partner-gated with no public OpenAPI specification.
common:
- type: AgenticAccess
  url: agentic-access/anz-agentic-access.yml
- type: DomainSecurity
  url: security/anz-domain-security.yml
- type: Authentication
  url: authentication/anz-authentication.yml
- type: OAuthScopes
  url: scopes/anz-scopes.yml
- type: Conventions
  url: conventions/anz-conventions.yml
- type: ErrorCatalog
  url: errors/anz-problem-types.yml
- type: Lifecycle
  url: lifecycle/anz-lifecycle.yml
- type: StatusPage
  url: https://api.anz/cds-au/v1/discovery/status
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Conformance
  url: conformance/anz-conformance.yml
- type: DataModel
  url: data-model/anz-data-model.yml
- type: MCPServer
  url: mcp/anz-mcp.yml
- type: LLMsTxt
  url: llms/anz-llms.txt
- type: Overlay
  url: overlays/anz-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/anz-product-reference-data.md
- type: VulnerabilityDisclosure
  url: security/anz-vulnerability-disclosure.yml
- type: Security
  url: https://bugcrowd.com/anz-vdp
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/
- type: Support
  url: https://www.anz.com.au/security/
- type: Website
  url: https://www.anz.com.au/
- type: DeveloperPortal
  url: https://developer.online.anz.com/
- type: Documentation
  url: https://www.anz.com.au/support/legal/anz-apis/
- type: GitHubOrganization
  url: https://github.com/ANZ-Bank
- type: LinkedIn
  url: https://www.linkedin.com/company/anz
- type: PrivacyPolicy
  url: https://www.anz.com.au/privacy/
- type: TermsOfService
  url: https://www.anz.com.au/support/help/website-terms-use/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com