# Bank of Melbourne CDR Direct Debits & Scheduled Payments API

**Canonical:** https://apis.io/apis/bank-of-melbourne/bank-of-melbourne-cdr-direct-debits-scheduled-payments-api/  
**Provider:** Bank of Melbourne — https://apis.io/providers/bank-of-melbourne/  
**Base URL:** https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking  
**Documentation:** https://www.bankofmelbourne.com.au/online-services/open-banking

Bank of Melbourne CDR Direct Debits & Scheduled Payments API is one of 5 APIs that [Bank of Melbourne](https://apis.io/providers/bank-of-melbourne/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include CDR, Open Banking, Direct Debits, Scheduled Payments, and Banking. The published artifact set on APIs.io includes API documentation, an API reference, and an OpenAPI specification.

CONSUMER-AUTHORIZED Consumer Data Right (CDR) Direct Debits and Scheduled Payments surface of the shared DSB Banking API implemented by Bank of Melbourne as an accredited CDR data holder. Access requires an Accredited Data Recipient (ADR) operating under an active customer consent obtained through the regulated CDR OAuth2 + OpenID Connect (FAPI) authorization flow - it is NOT publicly callable. Covers GET /banking/accounts/{accountId}/direct-debits, POST /banking/accounts/direct-debits (bulk), GET /banking/accounts/{accountId}/payments/scheduled, POST /banking/payments/scheduled (bulk), GET /banking/accounts/{accountId}/payments/plans and POST /banking/accounts/payments/plans. Hosted under the confirmed CDR base https://digital-api.bankofmelbourne.com.au/cds-au/v1.

## Machine-readable artifacts (3)

- **Documentation** — https://www.bankofmelbourne.com.au/online-services/open-banking
- **APIReference** — https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/bank-of-melbourne/refs/heads/main/openapi/bank-of-melbourne-cds-banking-products-openapi.yml

## Other Bank of Melbourne APIs (4)

- [Bank of Melbourne CDR Product Reference Data API](https://apis.io/apis/bank-of-melbourne/bank-of-melbourne-cdr-product-reference-data-api/)
- [Bank of Melbourne CDR Accounts & Balances API](https://apis.io/apis/bank-of-melbourne/bank-of-melbourne-cdr-accounts-balances-api/)
- [Bank of Melbourne CDR Transactions API](https://apis.io/apis/bank-of-melbourne/bank-of-melbourne-cdr-transactions-api/)
- [Bank of Melbourne CDR Payees API](https://apis.io/apis/bank-of-melbourne/bank-of-melbourne-cdr-payees-api/)

## Tags

CDR, Open Banking, Direct Debits, Scheduled Payments, Banking, Australia, Authenticated

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/bank-of-melbourne/bank-of-melbourne-cdr-direct-debits-scheduled-payments-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/bank-of-melbourne/.