Ing Australia Authentication

generated: '2026-07-20'
method: searched
source: https://id.ob.ing.com.au/.well-known/openid-configuration
docs: https://consumerdatastandardsaustralia.github.io/standards/#security-profile
description: >-
  Authentication profile for ING Australia's CDR (Open Banking) surface. The public
  Product Reference Data (PRD) endpoints (GET /banking/products and
  /banking/products/{productId}) are UNAUTHENTICATED. All other CDS Banking
  endpoints (accounts, balances, transactions, direct debits, scheduled payments,
  payees) require an authenticated CDR consumer-data-sharing session obtained
  through the CDR ecosystem: an Accredited Data Recipient authenticates the customer
  and calls the data holder under the FAPI 1.0 Advanced (Australia CDR) security
  profile. Derived from ING's live OpenID Provider metadata; the OpenAPI itself
  declares no components.securitySchemes (it uses x-scopes extensions), so the model
  below is sourced from the published discovery document and the Consumer Data
  Standards security profile.
summary:
  types: [oauth2, openIdConnect, mutualTLS]
  profile: FAPI 1.0 Advanced (AU CDR)
  public_endpoints: [listBankingProducts, getBankingProductDetail]
  oauth2_flows: [authorizationCode, clientCredentials]
  token_endpoint_auth: [private_key_jwt]
  par_required: true
  mtls_bound_tokens: true
  pkce: S256
schemes:
  - name: CDR-OIDC
    type: openIdConnect
    openIdConnectUrl: https://id.ob.ing.com.au/.well-known/openid-configuration
    issuer: https://id.ob.ing.com.au
    sources: [well-known/ing-australia-openid-configuration.json]
  - name: CDR-OAuth2
    type: oauth2
    flows:
      - flow: authorizationCode
        authorizationUrl: https://id.ob.ing.com.au/authorize
        tokenUrl: https://secure.ob.ing.com.au/token
        pushed_authorization_request_endpoint: https://secure.ob.ing.com.au/par
        require_pushed_authorization_requests: true
        response_types: [code id_token, code]
        response_modes: [query, form_post, fragment, jwt]
        code_challenge_methods: [S256]
      - flow: clientCredentials
        tokenUrl: https://secure.ob.ing.com.au/token
    token_endpoint_auth_methods_supported: [private_key_jwt]
    id_token_signing_alg_values_supported: [PS256]
    request_object_signing_alg_values_supported: [PS256]
    acr_values_supported: [urn:cds.au:cdr:2, urn:cds.au:cdr:3]
    tls_client_certificate_bound_access_tokens: true
    registration_endpoint: https://secure.ob.ing.com.au/register
    cdr_arrangement_revocation_endpoint: true
    sources: [well-known/ing-australia-openid-configuration.json]
  - name: CDR-mTLS
    type: mutualTLS
    description: >-
      Data-holder resource and token endpoints require mutual TLS with certificates
      issued under the CDR Register PKI; access tokens are certificate-bound
      (RFC 8705). The OpenAPI's MTLS server (mtls.dh.example.com) is the CDS
      placeholder for this host.
    sources: [openapi/ing-australia-cds-banking-products-openapi.yml]