BankSync
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CDR data scopes

The Consumer Data Right specifies exactly what your bank can share — and what stays private. Here's the full list of in-scope data, common out-of-scope items, and how BankSync uses each.

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Quick answer

CDR banking covers account details, balances, transactions, regular payments, account-holder name, investment holdings and trades (where held inside an ADI), and loan balances. Out of scope: credit reports, identity documents, internal bank notes, and any data outside Authorised Deposit-taking Institutions. CDR is also read-only — initiating payments is a separate framework.

In scope under CDR

Data scopeExamples
Account detailsAccount name, masked number, type (savings/transaction/credit/loan), product info
Account balancesCurrent balance, available balance, credit limit (for cards)
Transaction detailsDate, posted amount, merchant, description, reference, currency
Regular paymentsDirect debits, scheduled payments, recurring authority list
Account-holder nameName on the account; sometimes contact preferences
Investment holdingsStock, ETF, and managed-fund positions where held inside an ADI brokerage
Investment tradesBuy/sell history, dividends received, corporate actions
Loan and mortgage balancesOutstanding balance, repayment history, interest rate, term

Out of scope

Data scopeWhy
Credit reportsEquifax / Experian / illion files — separate consumer-data regime
Identity documentsPassport scans, driver licences, KYC photos
Internal bank notesCustomer-service notes, complaint records, fraud flags
Action initiationInitiating payments or transfers — separate CDR pillar, not yet live
Standalone brokerage outside ADIsStake, Pearler, SelfWealth — covered only if held via an ADI relationship

How BankSync uses each scope

  • Account details and balances drive your dashboard and feed every destination (Sheets, Notion, Airtable, Excel) with up-to-date account context.
  • Transactions are the workhorse — synced into your destination on an hourly, daily, or weekly schedule depending on your plan and exposed to AI agents via the BankSync MCP server.
  • Regular paymentspower the "recurring expenses" views in Notion / Airtable templates.
  • Investment holdings and trades appear in the BankSync portfolio view and can be synced to Sheets or Airtable for net-worth tracking.
  • Loan balances are streamed into balance and net-worth syncs so home loans and personal loans appear alongside savings.

Choosing a minimal scope

You can decline any scope at the bank's consent screen. The trade-off: features that depend on a declined scope simply won't work. For example, declining transactions disables the Sheets / Notion / Airtable sync; declining balances breaks the dashboard. Pick the scopes that match the workflow you want.

Keep reading

CDR vs screen-scrapingAccredited Data RecipientsConsent duration explainedCDR overview
good questions

Frequently asked questions

CDR banking covers: account details, account balances, transaction details, regular payments (direct debits and scheduled payments), and account-holder name. Where the institution holds them, investment holdings and trades are also exposed. Loan and mortgage balances are increasingly covered.

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