Resources
Open Banking
Australia's Consumer Data Right (CDR) puts businesses in control of their bank data — and gives them a safe, legislated way to share it with the software they run on.
Australia's Consumer Data Right (CDR) puts businesses in control of their bank data — and gives them a safe, legislated way to share it with the software they run on.
Open Banking is taking shape across the world to give businesses (and individuals) more control over their data, more transparency, and more competitive services built on it.
In Australia, Open Banking is enabled by the Consumer Data Right (CDR). Skript uses it to deliver business bank data from over 110 Australian banks through one API.
An ADR is an organisation the regulator has accredited to collect CDR data, and “unrestricted” is the highest level of that accreditation — we collect the data straight from the banks ourselves. We've held ours since 2022 — so you don't need one of your own.
Better-quality business bank data from over 110 Australian banks — through a framework designed with privacy and security built in.
| Open Banking (CDR) | Direct Bank APIs | Screen Scraping | |
|---|---|---|---|
| Privacy and security | |||
| Government legislated | |||
| Access to every bank (authorised deposit-taking institution, or ADI) in Australia | |||
| Historical data | |||
| Consistent data set across banks | |||
| All bank account types, including term deposits and credit cards |
The CDR has several ways in. Skript supports the two that fit business data — and neither needs CDR accreditation on your side. Read the rule in full, with sources.
A business can access its own bank data with no accreditation at all. That's Subskript: connect your accounts and pull transactions and balances into whatever system you run. Self-serve, from $99/month.
Under the CDR's business consumer disclosure consent (BCDC) rules, a business can say "yes, share my bank data with the software I use" — and the software provider needs no CDR accreditation. That's Superskript and Superskript Aggregator.
Skript is an unrestricted Accredited Data Recipient (ADR) — the accreditation that lets us collect data from the banks. We collect it with the account holder's consent and deliver it through one API. Skript holds the accreditation; you build the product.
The CDR is about putting businesses and individuals in control of their own data — and it's expanding beyond banking data.
Sandbox keys in minutes. No sales call, no waitlist.
