What is Open Banking

In 2018 the Australian Government passed a legislation called the Consumer Data Right (CDR). CDR is also referred to as Open Banking and gives Australians greater control over their data, providing customers and small businesses a choice about how their financial data is shared with third parties. Open Banking will encourage competition between service providers, leading to better prices for customers and more innovative products and services.

What this means for Unity Bank and Reliance Bank members

Unity Bank and Reliance Bank members can choose to share their member details, account information and transaction history for some accounts with an Accredited Data Recipient.

Please refer to our Consumer Data Right policies below for more information on how Unity Bank and Reliance Bank deal with your data under the CDR.

Sharing your data

Where can I get more information

For more detail on the Consumer Data Right and Open Banking, please visit the websites below.

Product API

The Unity Bank Open Banking Product Application Programming Interface (API) enables third parties to retrieve information about products that Unity Bank currently offers. Our APIs have been developed in accordance with the Consumer Data Standards and currently include the following products:

  • Home Loans
  • Personal Loans
  • Transaction Accounts
  • Savings Accounts
  • Term Deposits
  • Credit Cards

How to Access our APIs

  • These are public APIs and do not require authentication
  • The response will be in the format defined by the Consumer Data Standards

Key Features of our APIs

  • Product Data: Products that Unity Bank currently offers to the market
  • Eligibility Criteria: Eligibility criteria for the product
  • Product Features: A range of features available to a specific product
  • Product Constraints: Constraints regarding the application for or operation of a product. For example, minimum balances or limit thresholds

For Developers Only – Link below is not accessible to public.

You can access Unity Bank’s Product APIs below:


You can access Reliance Bank’s Product APIs below:


NOTE: This URL is for developers only and is not a click through link.

Contact Us

For more information regarding our Product APIs or if you are experiencing any issues with the API link above, please contact us via:

The Call Centre is not available on National Public Holidays, hours are subject to change on NSW Public Holidays.

For more information on the Consumer Data Right standards, click here to visit the ACCC website.

We are here to help