Open Banking

On 9 May 2018 the Government announced its intention to introduce a new Consumer Data Right (CDR) law in Australia. Put simply, the Consumer Data Right puts control of your data in your hands.

In Australia, ‘Open Banking’ is the banking sector’s implementation of the CDR.

Consumer Data Right (CDR) Policy

BT is part of the Westpac Group.  The Westpac Group CDR Policy provides information about how BT manages data under the Consumer Data Right.

Consumer Data Right (CDR) Policy (PDF 1MB)

BT Open Banking Product API

The BT Open Banking Product API (Application Programming Interface) enables third parties to retrieve information about products that BT currently offers. It is designed and documented to support the Australian Consumer Data Standards.

Our Product API includes products for both retail and business customers such as:

  • Transaction Accounts
  • Savings Accounts
  • Term Deposits
  • Credit Cards    

Data for additional products will be progressively added to the API in line with the timeframes specified by the Consumer Data Right rules.

How to access our API:

Product details including conditions, rates and fees may change from time to time without notice. Please direct your end users to refer to for current product details.

Product reference data for BT as well as other Westpac Group brands is available at the following URL:


Product Reference Version


Key Features

  • Products - Products that are currently openly offered to the market
  • Features - Array of features available for the product
  • Constraints - Constraints on the application for or operation of the product such as minimum balances or limit thresholds
  • Eligibility - Eligibility criteria for the product 
  • Fees - Fees applicable for the product
  • Deposit Rates - Interest rates available for deposits
  • Lending Rates - Interest rates charged against lending balances

How it works

  • Product API is a RESTful API that provides the data via HTTP GET requests.
  • The data returned is in the format specified by the Australian Consumer Data Standards.
  • The API is available to everyone with no restrictions on use.

Requirements to use

As per the standards defined by Australian Consumer Data Standards, no security or other headers are required to call this API.