Macquarie Bank Authentication

generated: '2026-07-20'
method: searched
source: |
  Australian Consumer Data Right (CDR) security profile / DSB Consumer Data
  Standards (InfoSec) + Macquarie Open Banking page. The harvested CDS Banking
  OpenAPI declares no inline components.securitySchemes (CDR security is defined
  out-of-band by the standards), so this profile is authored from the published
  CDR/CDS security model and Macquarie's data-holder implementation.
docs: https://www.macquarie.com.au/digital-banking/open-banking.html
summary:
  types: [none, oauth2, openIdConnect, mutualTLS]
  tiers:
  - public-unauthenticated
  - cdr-data-sharing
  oauth2_flows: [authorizationCode]
tiers:
- name: public-unauthenticated
  applies_to:
  - Macquarie Bank CDR Product Reference Data API
  - Macquarie Bank CDR Discovery Status API
  auth: none
  required_headers:
  - name: x-v
    description: Mandatory CDS API version header. Requests without it return HTTP 400
      urn:au-cds:error:cds-all:Header/Missing.
  note: Public PRD (Get Products / Get Product Detail) and CDS discovery status/outages
    are openly callable over HTTPS with no credential, only the x-v version header.
- name: cdr-data-sharing
  applies_to:
  - Macquarie Bank CDR Banking Data Sharing API
  profile: FAPI 1.0 Advanced (CDR security profile)
  schemes:
  - name: openid-connect
    type: openIdConnect
    note: OIDC Hybrid flow; ID Token + authorization code.
  - name: oauth2
    type: oauth2
    flows:
    - flow: authorizationCode
      note: Authorization Code with PKCE; Pushed Authorization Requests (PAR) required;
        request objects signed (private_key_jwt client authentication).
  - name: mutual-tls
    type: mutualTLS
    note: Access tokens are MTLS sender-constrained (RFC 8705). Client transport
      certificates issued under the CDR PKI.
  accreditation: Requires CDR Accredited Data Recipient (ADR) status registered on the
    CDR Register plus explicit consumer consent. Not openly callable.
schemes:
- name: none
  type: none
  sources: [public PRD + discovery endpoints]
- name: oauth2
  type: oauth2
  flows:
  - flow: authorizationCode
  sources: [CDR security profile]
- name: openid-connect
  type: openIdConnect
  sources: [CDR security profile]
- name: mutual-tls
  type: mutualTLS
  sources: [CDR security profile]