Bendigo And Adelaide Bank Authentication

generated: '2026-07-20'
method: searched
source: https://api.up.com.au/.well-known/openid-configuration
docs: https://consumerdatastandardsaustralia.github.io/standards/#security-profile
notes: >-
  Two distinct auth postures. (1) The PUBLIC Product Reference Data API
  (GET /banking/products, GET /banking/products/{productId}) is UNAUTHENTICATED — the
  OpenAPI declares no securitySchemes and the docs state "These are public APIs and do
  not require authentication." (2) The AUTHENTICATED CDR consumer data-sharing surface is
  governed by the Consumer Data Standards security profile (FAPI 1.0 Advanced). The profile
  below is captured verbatim from the live Up (api.up.com.au) CDR OIDC discovery document —
  Up is a Bendigo and Adelaide Bank brand and its infosec endpoints are the readable example
  of the group's CDR data-holder auth model.
summary:
  types: [none, openIdConnect, oauth2, mutualTLS]
  public_prd: unauthenticated
  oauth2_flows: [authorizationCode, clientCredentials]
  fapi_profile: FAPI 1.0 Advanced (CDR)
schemes:
- name: PublicProductReferenceData
  type: none
  applies_to: [listBankingProducts, getBankingProductDetail]
  note: Public CDR Product Reference Data endpoints require no credentials.
- name: OpenIDConnect
  type: openIdConnect
  source: well-known/bendigo-and-adelaide-bank-up-openid-configuration.json
  issuer: https://api.up.com.au
  openIdConnectUrl: https://api.up.com.au/.well-known/openid-configuration
  applies_to: authenticated CDR data-sharing surface (accredited data recipients)
  flows:
  - flow: authorizationCode
    authorizationUrl: https://api.up.com.au/oidc/authorize
    tokenUrl: https://secure.api.up.com.au/oidc/token
    pushed_authorization_request_endpoint: https://secure.api.up.com.au/oidc/authorize/push
    require_pushed_authorization_requests: true
    registration_endpoint: https://secure.api.up.com.au/oidc/register
  - flow: clientCredentials
    tokenUrl: https://secure.api.up.com.au/oidc/token
  token_endpoint_auth_methods_supported: [private_key_jwt]
  token_endpoint_auth_signing_alg_values_supported: [PS256, ES256]
  id_token_signing_alg_values_supported: [PS256, ES256]
  request_object_signing_alg_values_supported: [PS256, ES256]
  code_challenge_methods_supported: [S256]
  subject_types_supported: [pairwise]
  acr_values_supported: [urn:cds.au:cdr:2, urn:cds.au:cdr:3]
- name: MutualTLS
  type: mutualTLS
  note: >-
    tls_client_certificate_bound_access_tokens = true. Access tokens are bound to the
    data recipient's client certificate (RFC 8705); the CDR data-sharing calls run over
    MTLS as required by the Consumer Data Standards security profile.