Bank First Authentication

generated: '2026-07-20'
method: searched
source: https://www.bankfirst.com.au/open-banking
docs: https://consumerdatastandardsaustralia.github.io/standards/#security-profile
summary:
  types: [none, oauth2, openIdConnect]
  note: >-
    Two distinct surfaces. The public Product Reference Data (PRD) API is fully
    unauthenticated. The consumer data sharing surface (accounts/balances/
    transactions) is gated behind CDR accreditation and uses OAuth 2.0 / OpenID
    Connect hardened to the FAPI profile per the CDR security profile.
surfaces:
  - name: Product Reference Data (PRD)
    baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking
    auth: none
    detail: >-
      Public, unauthenticated. No API key, client registration, or token
      required. Clients send an x-v (API version) header; the response echoes the
      served payload version in x-v. Confirmed live HTTP 200.
  - name: Consumer Data Sharing
    baseURL: https://developer.cdr.bankfirst.com.au/
    auth: oauth2
    detail: >-
      Restricted to Accredited Data Recipients (ADRs). Access is via the CDR
      consent flow: OAuth 2.0 authorization-code with PKCE and OpenID Connect,
      hardened to FAPI (CDR security profile), with mutual-TLS sender-constrained
      tokens and register-based dynamic client registration through the ACCC CDR
      Register. Customers never share their banking credentials with third
      parties. Host did not respond to unauthenticated probing (gated).
    scopes_ref: scopes/bank-first-scopes.yml
schemes:
  - name: CDR-OAuth2-OIDC-FAPI
    type: oauth2
    flow: authorizationCode
    pkce: required
    fapi: true
    mtls: true
    dynamic_client_registration: CDR Register (ACCC)
    applies_to: Consumer Data Sharing