generated: '2026-07-20'
method: searched
source: >-
  https://www.qudosbank.com.au/support/open-banking +
  https://consumerdatastandardsaustralia.github.io/standards/
docs: https://www.qudosbank.com.au/support/open-banking
summary:
  types: [none, oauth2, openIdConnect, mutualTLS]
  public_prd: unauthenticated
  data_sharing: fapi-2.0
surfaces:
- name: Product Reference Data (PRD)
  operations: [listBankingProducts, getBankingProductDetail]
  auth: none
  description: >-
    Public, unauthenticated. No API key, token, or client certificate required.
    Requests must send the x-v version header. Confirmed live returning HTTP 200
    at https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products.
- name: CDR consumer data sharing
  operations: [listBankingAccounts, getBankingAccountDetail, listBankingTransactions, getBankingBalance, listDirectDebits, listScheduledPayments, listBankingPayees]
  auth: oauth2 + openIdConnect over mutualTLS (FAPI 2.0)
  description: >-
    The account/transaction/payments/payees operations require CDR consumer data
    sharing authorization: an accredited data recipient (ACCC-accredited) obtains
    the customer's consent via OAuth 2.0 authorization code flow with OpenID
    Connect, PKCE/PAR, and mutual TLS client authentication under the Data
    Standards Body FAPI security profile. Discovery and trust is brokered by the
    ACCC CDR Register, not a per-holder /.well-known/openid-configuration.
  register: https://consumerdatastandardsaustralia.github.io/register/
schemes:
- name: none-public-prd
  type: none
  applies_to: [listBankingProducts, getBankingProductDetail]
- name: cdr-fapi
  type: oauth2
  flow: authorizationCode
  profile: FAPI 2.0
  transport: mutualTLS
  applies_to: cdr-consumer-data-sharing
notes: >-
  The harvested OpenAPI declares no components.securitySchemes because the
  public PRD subset is unauthenticated by CDR mandate; the FAPI-secured data
  sharing surface is governed by the CDR Register and Data Standards rather than
  inline OpenAPI security schemes.