Basiq

Basiq is an Australian open banking and financial data API platform providing unified access to bank account data and enrichment services. It enables fintechs, lenders, and financial service providers to connect to 180+ Australian and New Zealand banks via CDR (Consumer Data Right) and third-party connectors. The Basiq API provides user management, bank connections, account balances, transaction history, income verification, and expense categorization. Uses JWT Bearer token authentication.

1 APIs 7 Features

AustraliaBankingCDRFinancial DataFintechOpen BankingTransactions

APIs

Basiq API

The Basiq API provides open banking access to Australian and New Zealand bank data. Manage users, bank connections, accounts, transactions, and affordability data (income verifi...

Collections

Basiq API

OPEN

Pricing Plans

Basiq Plans Pricing

3 plans

PLANS

Rate Limits

Basiq Rate Limits

5 limits

RATE LIMITS

FinOps

Basiq Finops

FINOPS

Features

Bank Connections

Connect to 180+ Australian and New Zealand banks via CDR and third-party connectors.

Account Data

Retrieve real-time account balances, available funds, and account metadata.

Transaction History

Access enriched transaction history with categorization and merchant data.

Income Verification

Automated income stream identification and regular/irregular income calculation.

Expense Categorization

Transaction-based expense categorization for affordability and budgeting analysis.

CDR Compliance

Consumer Data Right (CDR) compliant data access for Australian open banking.

Data Enrichment

Transaction enrichment with merchant names, categories, and subcategories.

Use Cases

Lending and Credit Assessment

Use income verification and expense data to assess creditworthiness and affordability.

Personal Finance Apps

Aggregate bank accounts and transactions for budgeting and financial planning tools.

Mortgage Applications

Automate bank statement verification and income confirmation for home loan applications.

BNPL Affordability

Assess buy-now-pay-later affordability using real-time transaction and income data.

Financial Advisory

Provide financial planners with complete client financial pictures across institutions.

Account Verification

Verify bank account ownership for payment and identity verification workflows.

Integrations

Xero

MYOB

Salesforce

Zapier

Commonwealth Bank

ANZ

Westpac

NAB

Semantic Vocabularies

Basiq Context

8 classes · 32 properties

JSON-LD

API Governance Rules

Basiq API Rules

15 rules · 6 errors 9 warnings

Sources

opencollection: 1.0.0
info:
  name: Basiq API
  version: 3.0.0
request:
  auth:
    type: bearer
    token: '{{bearerToken}}'
items:
- info:
    name: Authentication
    type: folder
  items:
  - info:
      name: Create Token
      type: http
    http:
      method: POST
      url: https://au-api.basiq.io/token
      body:
        type: form-urlencoded
        data:
        - name: grant_type
          value: ''
        - name: scope
          value: ''
    docs: Exchange API key for a server token or user token for API access.
- info:
    name: Users
    type: folder
  items:
  - info:
      name: Create User
      type: http
    http:
      method: POST
      url: https://au-api.basiq.io/users
      body:
        type: json
        data: '{}'
    docs: Create a new Basiq user representing an end consumer.
  - info:
      name: Get User
      type: http
    http:
      method: GET
      url: https://au-api.basiq.io/users/:userId
      params:
      - name: userId
        value: ''
        type: path
        description: Basiq user ID
    docs: Retrieve a user by ID.
  - info:
      name: Delete User
      type: http
    http:
      method: DELETE
      url: https://au-api.basiq.io/users/:userId
      params:
      - name: userId
        value: ''
        type: path
        description: Basiq user ID
    docs: Delete a user and all associated connections and data.
- info:
    name: Connections
    type: folder
  items:
  - info:
      name: List Connections
      type: http
    http:
      method: GET
      url: https://au-api.basiq.io/users/:userId/connections
      params:
      - name: userId
        value: ''
        type: path
        description: Basiq user ID
    docs: List all bank connections for a user.
  - info:
      name: Create Connection
      type: http
    http:
      method: POST
      url: https://au-api.basiq.io/users/:userId/connections
      params:
      - name: userId
        value: ''
        type: path
        description: Basiq user ID
      body:
        type: json
        data: '{}'
    docs: Create a new bank connection for a user.
  - info:
      name: Get Connection
      type: http
    http:
      method: GET
      url: https://au-api.basiq.io/users/:userId/connections/:connectionId
      params:
      - name: userId
        value: ''
        type: path
        description: Basiq user ID
      - name: connectionId
        value: ''
        type: path
        description: Basiq connection ID
    docs: Retrieve a specific bank connection.
  - info:
      name: Delete Connection
      type: http
    http:
      method: DELETE
      url: https://au-api.basiq.io/users/:userId/connections/:connectionId
      params:
      - name: userId
        value: ''
        type: path
        description: Basiq user ID
      - name: connectionId
        value: ''
        type: path
        description: Basiq connection ID
    docs: Remove a bank connection and revoke consent.
- info:
    name: Accounts
    type: folder
  items:
  - info:
      name: List Accounts
      type: http
    http:
      method: GET
      url: https://au-api.basiq.io/users/:userId/accounts
      params:
      - name: userId
        value: ''
        type: path
        description: Basiq user ID
    docs: List all bank accounts for a user across all connections.
  - info:
      name: Get Account
      type: http
    http:
      method: GET
      url: https://au-api.basiq.io/users/:userId/accounts/:accountId
      params:
      - name: userId
        value: ''
        type: path
        description: Basiq user ID
      - name: accountId
        value: ''
        type: path
        description: Basiq account ID
    docs: Retrieve a specific bank account with balance information.
- info:
    name: Transactions
    type: folder
  items:
  - info:
      name: List Transactions
      type: http
    http:
      method: GET
      url: https://au-api.basiq.io/users/:userId/transactions
      params:
      - name: userId
        value: ''
        type: path
        description: Basiq user ID
      - name: filter
        value: ''
        type: query
        description: Filter transactions by date range, account, or category
      - name: limit
        value: ''
        type: query
      - name: offset
        value: ''
        type: query
    docs: List all transactions for a user across all accounts with optional filtering.
  - info:
      name: Get Transaction
      type: http
    http:
      method: GET
      url: https://au-api.basiq.io/users/:userId/transactions/:transactionId
      params:
      - name: userId
        value: ''
        type: path
        description: Basiq user ID
      - name: transactionId
        value: ''
        type: path
    docs: Retrieve a specific transaction by ID.
- info:
    name: Affordability
    type: folder
  items:
  - info:
      name: Get Income Verification
      type: http
    http:
      method: GET
      url: https://au-api.basiq.io/users/:userId/income
      params:
      - name: userId
        value: ''
        type: path
        description: Basiq user ID
    docs: Get income verification data derived from transaction analysis.
  - info:
      name: Get Expenses
      type: http
    http:
      method: GET
      url: https://au-api.basiq.io/users/:userId/expenses
      params:
      - name: userId
        value: ''
        type: path
        description: Basiq user ID
    docs: Get categorized expense data derived from transaction analysis.
bundled: true