Connecting Australian banks

Connect Australian bank accounts through Fiskil and the Consumer Data Right (CDR) open banking consent flow.

6 min read

On this page

Search for your Australian bank
Complete the CDR consent flow
What data Australian banks share
Confirm it worked
Troubleshooting
Managing and withdrawing your consent
Next steps
Related guides

Australian banks connect to BankSync through Fiskil using the Consumer Data Right (CDR), Australia's Open Banking framework. You search for your bank, complete a CDR consent flow in your bank's own secure window, and choose exactly which accounts and data you want to share. This guide covers the AU-specific parts of the flow on top of the general Connect a bank steps.

Before you start

You need a BankSync account and your online banking login for the Australian institution you want to connect (plus any verification step your bank uses, such as an SMS one-time code). The connection happens inside your bank's secure CDR window, so make sure you can sign in to your bank directly first.

CDR keeps you in control

Under the Consumer Data Right you authorise an accredited data recipient to access specific banking data for a set period. You enter your bank login in the bank's own CDR window, never in BankSync, and you can review or revoke the consent at any time.

Search, review the CDR consent, authorize with Fiskil, and connect CommBank.

Search for your Australian bank#

You do not pick a country first. Type your bank's name and BankSync searches every supported provider and region at once, then routes Australian institutions through Fiskil automatically.

Find your institution

Open the Banks page
Select Banks from the navigation, then click the dashed "Connect a new bank" tile. The "Connect Bank" dialog opens with a search box.
Type your bank name
In the "Search institutions" box, enter at least 2 characters (for example "CommBank", "Westpac", "NAB", or "ANZ"). Matching institutions appear as cards as you type.
(Optional) narrow the results
Click the filter button next to the search box and set Provider to "Fiskil" or Country to "Australia" to show only Australian institutions.
Check the result card carefully
Each card shows the institution name, the account types it supports, a country flag, and the provider name. Pick the exact entity you bank with (see the CommBank vs CommBiz note below).
Select your institution
Click the matching card. BankSync detects the Australian region and Fiskil provider automatically, shows a "Preparing connection..." overlay, and opens the secure CDR consent window shortly.

The BankSync Connect Bank dialog searching for CommBank, showing Australian institution result cards (Commonwealth Bank, ANZ, NAB, Westpac) with account-type tags, an Australian flag, and the Fiskil provider (CDR open banking). — Searching for an Australian institution, connected through Fiskil and the CDR.

CommBank and CommBiz are separate institutions

Commonwealth Bank's personal banking (NetBank / "CommBank") and its business banking ("CommBiz") are two distinct institutions in the bank search. Connect the one that actually holds the accounts you want. If you bank with both, connect each separately, they do not share a single consent.

After you select an Australian institution, your bank's own CDR window opens. The exact screens are controlled by your bank, but the consent always asks you to confirm three things: what data you are sharing, which accounts it covers, and for how long.

Authorise data sharing

Confirm the data you are sharing
The consent screen lists the data types being requested, typically account details, balances, and transactions. Review them before continuing.
Sign in to your bank
Enter your online banking identifier and complete your bank's verification step (often a one-time code sent by SMS). You do this inside the bank's CDR window, not in BankSync.
Select which accounts to share
Tick only the accounts you want BankSync to access. Accounts you leave unticked are never shared.
Set the consent duration
Choose how long the consent lasts (CDR consents are time-limited, for example up to 12 months). When it reaches the end of that period it lapses and must be renewed.
Confirm and return
Approve the consent. The CDR window closes and returns you to BankSync.

Data type	Shared via CDR	Notes
Account details	Yes	Account name, type, and identifiers for the accounts you select.
Balances	Yes	Current and available balance.
Transactions	Yes	Posted transactions within the history the bank exposes (see the history note below).
Account types	Transaction and deposit accounts	Everyday, savings, offset, and credit/card accounts where the bank exposes them under CDR.

How fresh is CDR data?

Balance and transaction data delivered through CDR refreshes roughly once a day. BankSync's hourly scheduler still checks your feed, but Australian banks update their CDR feed on an approximately daily cadence, so new transactions can take up to a day to appear regardless of how often you sync.

Some banks only expose a limited history window

A number of Australian banks publish only a limited window of transaction history through CDR (for example around the last six months), even on accounts you have held for years. This is a bank and CDR limit, not a BankSync setting: BankSync delivers 100% of what the bank makes available. Re-consenting does not extend it. For older records, export a statement directly from your bank's online banking.

Confirm it worked#

When the CDR window finishes, BankSync shows an "Authorization Successful" dialog. Click "Continue".

You have connected your Australian bank successfully when:

The institution appears as a card on the Banks page (no longer just the "Connect a new bank" tile).
The accounts you ticked in the CDR window are linked to that bank.
The bank shows an active state, not a "Requires re-authentication" or "Scheduled for deletion" label.

With the bank connected and active, you can build a feed to sync its transactions and balances to your spreadsheet or database. See Create your first feed.

Troubleshooting#

Common Australian-bank issues

Only limited history is available: this is a bank/CDR limit on the transaction window the institution exposes, not a BankSync setting. Re-connecting will not reach back further; export older records from your bank instead. Consent expired or syncs stopped returning data: CDR consents are time-limited and lapse at the end of their period, so re-authorise the connection (see Reconnecting a bank below). Wrong accounts connected: the personal vs business entities (such as CommBank and CommBiz) are separate institutions; connect the one that holds the accounts you need. Connection failed: confirm you can sign in to your bank's website directly, then try the connection again from the Banks page.

When a CDR consent lapses or your bank flags the connection, the bank's card shows a "Requires re-authentication" state. Open the bank and use "Reconnect / Add Accounts" to start a fresh CDR consent. Because reconnecting an Australian bank is a re-consent, your bank's CDR window asks you to select accounts again: tick every account you still want to share, or it will drop out of the new consent. Your already-synced history and your feeds are untouched either way. See Reconnecting a bank for the full flow.

Once connected, you can view, renew, and withdraw your CDR consents from Settings → Data sharing. When you send this data to a destination such as a spreadsheet or Notion, BankSync first asks you to confirm a disclosure: data that leaves BankSync is no longer regulated under the CDR and is instead governed by the Privacy Act 1988 and the destination's own privacy policy. Withdrawal takes effect immediately. See Managing your CDR consents and data sharing for the full walkthrough.

Next steps#

Connect a bank

The general connection flow for every country and provider.

Read guide

Manage CDR consents

View, renew, and withdraw your data sharing consents.

Read guide

Reconnect a bank

Renew a lapsed CDR consent or re-authenticate.

Read guide

Managing your CDR consents and data sharing: view, renew, and withdraw consents, and understand what happens to shared data.
Reconnecting a bank: renew a lapsed CDR consent, including re-selecting your accounts.
Creating your first feed: sync the connected bank's transactions and balances.
Scheduling feeds: pick a sync time that suits the roughly daily CDR refresh.
Managing feeds: run syncs on demand and keep connections healthy.