aid: ing-australia
url: https://raw.githubusercontent.com/api-evangelist/ing-australia/refs/heads/main/apis.yml
name: ING Australia
kind: company
description: ING Australia is the retail banking division of ING Bank (Australia) Limited
  (ABN 24 000 893 292), a wholly owned subsidiary of the Dutch multinational ING Groep
  N.V. headquartered in Amsterdam. Launched in 1999 as ING Direct and rebranded to
  ING in 2017, it is a branchless, digital-first direct bank offering everyday transaction
  and savings accounts, home loans, superannuation, and insurance to Australian consumers.
  It is not a customer-owned mutual; it is a foreign-owned Authorised Deposit-taking
  Institution (ADI) regulated by APRA and ASIC. As an active ADI, ING is an accredited
  data holder under Australia's Consumer Data Right (CDR / Open Banking) and exposes
  the mandatory public, unauthenticated Product Reference Data (PRD) API conforming
  to the Consumer Data Standards (CDS). Authenticated consumer-data sharing follows
  the CDR ecosystem model (OAuth2 / OIDC FAPI profile via accredited data recipients);
  ING does not operate a broad, self-serve public developer portal.
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: ing-australia:ing-australia-cdr-product-reference-data-api
  name: ING Australia CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking
  - Consumer Data Standards
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.ing.com.au/open-banking.html
  baseURL: https://id.ob.ing.com.au/cds-au/v1/banking/products
  properties:
  - url: https://www.ing.com.au/pdf/CDR-policy.pdf
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data-apis
    type: APIReference
  - url: openapi/ing-australia-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Public, unauthenticated Product Reference Data (PRD) API mandated under
    Australia's Consumer Data Right. Exposes GET /banking/products (a paginated list
    of ING's publicly offered banking products) and GET /banking/products/{productId}
    (full product detail) under the Consumer Data Standards (CDS) path /cds-au/v1.
    Responses are versioned via the x-v request/response header. The base URI is ING
    Bank (Australia) Ltd's registered CDR publicBaseUri per the CDR Register and is
    verified live (GET /banking/products returns HTTP 200 with header x-v:4 as of
    2026-07-21). ING documents these exact endpoints on its public open-banking page.
- aid: ing-australia:ing-australia-cdr-accounts-balances-api
  name: ING Australia CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Banking
  - Accounts
  - Balances
  - Consumer Data Standards
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.ing.com.au/open-banking.html
  baseURL: https://id.ob.ing.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.ing.com.au/pdf/CDR-policy.pdf
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/ing-australia-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized (not public) CDR Banking API surface for account
    data. Covers Get Accounts (GET /banking/accounts), Get Bulk Balances (GET/POST
    /banking/accounts/balances), Get Account Balance (GET /banking/accounts/{accountId}/balance),
    and Get Account Detail (GET /banking/accounts/{accountId}) under the Consumer Data
    Standards path /cds-au/v1. These endpoints require an active CDR consent obtained
    through an Accredited Data Recipient using the FAPI OAuth2/OIDC authorization flow;
    they are not callable by the public. This is the shared DSB Consumer Data Standards
    Banking API (v1.36.0) that every accredited data holder ADI, including ING Bank
    (Australia) Ltd, is legally required to implement, not a bank-proprietary API.
- aid: ing-australia:ing-australia-cdr-transactions-api
  name: ING Australia CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Banking
  - Transactions
  - Consumer Data Standards
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.ing.com.au/open-banking.html
  baseURL: https://id.ob.ing.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.ing.com.au/pdf/CDR-policy.pdf
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/ing-australia-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized (not public) CDR Banking API surface for transaction
    data. Covers Get Transactions For Account (GET /banking/accounts/{accountId}/transactions)
    and Get Transaction Detail (GET /banking/accounts/{accountId}/transactions/{transactionId})
    under the Consumer Data Standards path /cds-au/v1, including standard query filters
    for date range, amount, and text search. These endpoints require an active CDR
    consent obtained via an Accredited Data Recipient using the FAPI OAuth2/OIDC flow
    and are not callable by the public. This is the shared DSB Consumer Data Standards
    Banking API (v1.36.0) that ING Bank (Australia) Ltd implements as an accredited
    data holder, not a bank-proprietary API.
- aid: ing-australia:ing-australia-cdr-direct-debits-scheduled-payments-api
  name: ING Australia CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Banking
  - Direct Debits
  - Scheduled Payments
  - Consumer Data Standards
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.ing.com.au/open-banking.html
  baseURL: https://id.ob.ing.com.au/cds-au/v1/banking
  properties:
  - url: https://www.ing.com.au/pdf/CDR-policy.pdf
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/ing-australia-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized (not public) CDR Banking API surface for recurring
    money movement. Covers Get Direct Debits For Account (GET /banking/accounts/{accountId}/direct-debits),
    Get Bulk Direct Debits (GET/POST /banking/accounts/direct-debits), Get Scheduled
    Payments For Account (GET /banking/accounts/{accountId}/payments/scheduled), and
    Get Bulk Scheduled Payments (GET/POST /banking/payments/scheduled) under the
    Consumer Data Standards path /cds-au/v1. These endpoints require an active CDR
    consent obtained via an Accredited Data Recipient using the FAPI OAuth2/OIDC flow
    and are not callable by the public. This is the shared DSB Consumer Data Standards
    Banking API (v1.36.0) that ING Bank (Australia) Ltd implements as a data holder.
- aid: ing-australia:ing-australia-cdr-payees-api
  name: ING Australia CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Banking
  - Payees
  - Consumer Data Standards
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.ing.com.au/open-banking.html
  baseURL: https://id.ob.ing.com.au/cds-au/v1/banking/payees
  properties:
  - url: https://www.ing.com.au/pdf/CDR-policy.pdf
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/ing-australia-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized (not public) CDR Banking API surface for saved
    payees. Covers Get Payees (GET /banking/payees) and Get Payee Detail (GET
    /banking/payees/{payeeId}) under the Consumer Data Standards path /cds-au/v1.
    These endpoints require an active CDR consent obtained via an Accredited Data
    Recipient using the FAPI OAuth2/OIDC flow and are not callable by the public.
    This is the shared DSB Consumer Data Standards Banking API (v1.36.0) that ING
    Bank (Australia) Ltd implements as an accredited data holder, not a bank-proprietary
    API.
common:
- type: AgenticAccess
  url: agentic-access/ing-australia-agentic-access.yml
- type: DomainSecurity
  url: security/ing-australia-domain-security.yml
- type: Authentication
  url: authentication/ing-australia-authentication.yml
- type: OAuthScopes
  url: scopes/ing-australia-scopes.yml
- type: WellKnown
  url: well-known/ing-australia-well-known.yml
- type: Conformance
  url: conformance/ing-australia-conformance.yml
- type: ErrorCatalog
  url: errors/ing-australia-problem-types.yml
- type: Conventions
  url: conventions/ing-australia-conventions.yml
- type: Lifecycle
  url: lifecycle/ing-australia-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#future-dated-obligations
- type: DataModel
  url: data-model/ing-australia-data-model.yml
- type: MCPServer
  url: mcp/ing-australia-mcp.yml
- type: LLMsTxt
  url: llms/ing-australia-llms.txt
- type: Overlay
  url: overlays/ing-australia-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://www.ing.com.au/
- type: GettingStarted
  url: https://www.ing.com.au/open-banking.html
- type: Documentation
  url: https://www.ing.com.au/pdf/CDR-policy.pdf
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/
- type: Support
  url: mailto:cdrenquiry@ing.com.au
- type: PrivacyPolicy
  url: https://www.ing.com.au/privacy.html
- type: TermsOfService
  url: https://www.ing.com.au/legal.html
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com