aid: auswide-bank
url: https://raw.githubusercontent.com/api-evangelist/auswide-bank/refs/heads/main/apis.yml
name: Auswide Bank
kind: company
description: Auswide Bank Ltd is an Australian authorised deposit-taking institution
  (ADI) headquartered in Bundaberg, Queensland, offering home loans, savings and
  transaction accounts, term deposits, credit cards, and personal and business banking.
  Formerly Wide Bay Australia and previously ASX-listed (ABA), Auswide is now a
  division of MyState Bank Limited, a wholly owned subsidiary of the ASX-listed
  MyState Limited (ASX MYS) following the 2025 merger. As an active CDR data holder
  under Australia's Consumer Data Right (Open Banking), Auswide exposes a public,
  unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer
  Data Standards, alongside the accredited-data-recipient consumer data sharing
  channels required of every Australian bank.
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: auswide-bank:auswide-bank-cdr-product-reference-data-api
  name: Auswide Bank CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.auswidebank.com.au/help/banking-support/open-banking/
  baseURL: https://api.auswidebank.com.au/openbanking/cds-au/v1
  properties:
  - url: https://www.auswidebank.com.au/help/banking-support/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/auswide-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Public, unauthenticated Consumer Data Right Product Reference Data
    (PRD) API exposing Auswide Bank's publicly available banking products (accounts,
    term deposits, home loans, credit cards) via the standard CDS endpoints GET
    /banking/products and GET /banking/products/{productId}. No consumer authorization
    or ADR accreditation is required for this surface. Live CDR host confirmed at
    https://api.auswidebank.com.au/openbanking/cds-au/v1 (probed 2026-07-20 HTTP 200,
    x-v 4, 28 products; re-probe 2026-07-21 returned HTTP 500, transient server
    error on the data holder). The OpenAPI is the shared DSB Consumer Data Standards
    CDR Banking API v1.36.0, not a bank-proprietary spec.
- aid: auswide-bank:auswide-bank-cdr-accounts-balances-api
  name: Auswide Bank CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Accounts
  - Balances
  - Banking
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.auswidebank.com.au/help/banking-support/open-banking/
  baseURL: https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/accounts
  properties:
  - url: https://www.auswidebank.com.au/help/banking-support/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/auswide-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right accounts and balances surface
    exposing GET /banking/accounts, GET /banking/accounts/balances (bulk balances),
    GET /banking/accounts/{accountId}/balance, and GET /banking/accounts/{accountId}
    (account detail). Unlike the public Product Reference Data API, these endpoints
    require an active CDR consumer consent flowing through an Australian accredited
    data recipient (ADR) over the MTLS-secured, OIDC/FAPI-protected CDR channel;
    Auswide Bank is legally required to implement them as an ADI data holder. Defined
    by the shared DSB Consumer Data Standards CDR Banking API v1.36.0.
- aid: auswide-bank:auswide-bank-cdr-transactions-api
  name: Auswide Bank CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Transactions
  - Banking
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.auswidebank.com.au/help/banking-support/open-banking/
  baseURL: https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/accounts
  properties:
  - url: https://www.auswidebank.com.au/help/banking-support/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/auswide-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right transactions surface exposing
    GET /banking/accounts/{accountId}/transactions and GET /banking/accounts/{accountId}/transactions/{transactionId}
    (transaction detail). These endpoints return dated debit and credit history for
    a consented account and require an active CDR consumer consent through an
    accredited data recipient over the MTLS/FAPI-secured CDR channel. Auswide Bank
    implements them as a mandatory ADI data holder obligation. Defined by the shared
    DSB Consumer Data Standards CDR Banking API v1.36.0.
- aid: auswide-bank:auswide-bank-cdr-direct-debits-scheduled-payments-api
  name: Auswide Bank CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Banking
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.auswidebank.com.au/help/banking-support/open-banking/
  baseURL: https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/accounts/direct-debits
  properties:
  - url: https://www.auswidebank.com.au/help/banking-support/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/auswide-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right direct debits and scheduled
    payments surface exposing GET /banking/accounts/{accountId}/direct-debits, the
    bulk GET /banking/accounts/direct-debits, GET /banking/accounts/{accountId}/payments/scheduled,
    and the bulk GET /banking/payments/scheduled. These endpoints disclose authorised
    direct debit arrangements and future-dated scheduled payments for consented
    accounts, and require an active CDR consumer consent through an accredited data
    recipient over the MTLS/FAPI-secured CDR channel. Defined by the shared DSB
    Consumer Data Standards CDR Banking API v1.36.0.
- aid: auswide-bank:auswide-bank-cdr-payees-api
  name: Auswide Bank CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Payees
  - Banking
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.auswidebank.com.au/help/banking-support/open-banking/
  baseURL: https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/payees
  properties:
  - url: https://www.auswidebank.com.au/help/banking-support/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/auswide-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right payees surface exposing GET
    /banking/payees and GET /banking/payees/{payeeId} (payee detail). These endpoints
    return the saved payee list a consumer has consented to share, covering domestic,
    international, and BPAY payee details, and require an active CDR consumer consent
    through an accredited data recipient over the MTLS/FAPI-secured CDR channel.
    Auswide Bank implements them as a mandatory ADI data holder obligation. Defined
    by the shared DSB Consumer Data Standards CDR Banking API v1.36.0.
common:
- type: DomainSecurity
  url: security/auswide-bank-domain-security.yml
- type: Authentication
  url: authentication/auswide-bank-authentication.yml
- type: OAuthScopes
  url: scopes/auswide-bank-scopes.yml
- type: Conformance
  url: conformance/auswide-bank-conformance.yml
- type: ErrorCatalog
  url: errors/auswide-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/auswide-bank-lifecycle.yml
- type: Deprecation
  url: lifecycle/auswide-bank-lifecycle.yml
- type: Conventions
  url: conventions/auswide-bank-conventions.yml
- type: DataModel
  url: data-model/auswide-bank-data-model.yml
- type: Overlay
  url: overlays/auswide-bank-cds-banking-products-overlay.yaml
- type: LLMsTxt
  url: llms/auswide-bank-llms.txt
- type: MCPServer
  url: mcp/auswide-bank-mcp.yml
- type: AgentSkill
  url: skills/auswide-bank-product-lookup.md
- type: Website
  url: https://www.auswidebank.com.au/
- type: Documentation
  url: https://www.auswidebank.com.au/help/banking-support/open-banking/
- type: LinkedIn
  url: https://www.linkedin.com/company/auswide-bank-ltd/
- type: PrivacyPolicy
  url: https://www.auswidebank.com.au/about/privacy-policy/
- type: TermsOfService
  url: https://www.auswidebank.com.au/about/website-terms-of-use/
- type: Support
  url: https://www.auswidebank.com.au/about/contact-us/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com