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Bank of Melbourne CDR Product Reference Data API

PUBLIC, unauthenticated Consumer Data Right (CDR) Product Reference Data API exposing Bank of Melbourne's banking products (term deposits, credit and charge cards, personal loans, residential mortgages, business loans, leases) in machine-readable form under the Australian Consumer Data Standards. Confirmed live at https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products (HTTP 200, x-v 5) returning a data.products array (25 per page, meta.totalRecords 40 confirmed 2026-07-20); a request with x-v 3 is rejected 406 Unsupported Version. Endpoints - GET /banking/products and GET /banking/products/{productId}. No authorization required.

Bank of Melbourne CDR Product Reference Data API is one of 5 APIs that Bank of Melbourne publishes on the APIs.io network, described by a machine-readable OpenAPI specification.

Tagged areas include CDR, Open Banking, Product Reference Data, Banking, and Australia. The published artifact set on APIs.io includes API documentation, an API reference, and an OpenAPI specification.

This API exposes 19 operations across 16 paths, organized into 7 resource areas, and defines 107 schemas. It is described by OpenAPI , at version 1.36.0.

Requests are made against a single base URL, https://mtls.dh.example.com/cds-au/v1.

19 operations 16 paths 107 schemas 16 GET3 POST

Metadata

The identity and technical contract details declared by the specification.

Specification
OpenAPI
API Version
1.36.0
Base URL
https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products
Resource Areas
7

Paths & Operations 19

Across 16 paths, the API surfaces 19 operations — 16 GET, 3 POST. They span 7 resource areas: Banking Accounts, Banking Account Balances, Banking Account Transactions, Banking Account Direct Debits, Banking Account Scheduled Payments, Banking Payees, Banking Products. Each is listed below with its method, path, parameters, and response codes.

Banking Accounts 2

Banking Account endpoints

GET
/banking/accounts
Get Accounts
listBankingAccounts 11 params → 200400406422
GET
/banking/accounts/{accountId}
Get Account Detail
getBankingAccountDetail 7 params → 200400404406
Banking Account Balances 3

Banking Account Balance endpoints

GET
/banking/accounts/balances
Get Bulk Balances
listBankingBalancesBulk 11 params → 200400406422
POST
/banking/accounts/balances
Get Balances For Specific Accounts
listBankingBalancesSpecificAccounts 8 params body → 200400406422
GET
/banking/accounts/{accountId}/balance
Get Account Balance
getBankingBalance 7 params → 200400404406
Banking Account Transactions 2

Banking Account Transaction endpoints

GET
/banking/accounts/{accountId}/transactions
Get Transactions For Account
listBankingTransactions 14 params → 200400404406422
GET
/banking/accounts/{accountId}/transactions/{transactionId}
Get Transaction Detail
getBankingTransactionDetail 8 params → 200400404406
Banking Account Direct Debits 3

Banking Account Direct Debit endpoints

GET
/banking/accounts/{accountId}/direct-debits
Get Direct Debits For Account
listDirectDebits 9 params → 200400404406422
GET
/banking/accounts/direct-debits
Get Bulk Direct Debits
listDirectDebitsBulk 11 params → 200400406422
POST
/banking/accounts/direct-debits
Get Direct Debits For Specific Accounts
listDirectDebitsSpecificAccounts 8 params body → 200400406422
Banking Account Scheduled Payments 5

Banking Account Scheduled Payment endpoints

GET
/banking/accounts/{accountId}/payments/scheduled
Get Scheduled Payments for Account
listScheduledPayments 9 params → 200400404406422
GET
/banking/payments/scheduled
Get Scheduled Payments Bulk
listScheduledPaymentsBulk 11 params → 200400406422
POST
/banking/payments/scheduled
Get Scheduled Payments For Specific Accounts
listScheduledPaymentsSpecificAccounts 8 params body → 200400406422
GET
/banking/accounts/{accountId}/payments/plans
Get Instalment Plans for Account
listInstalmentPlans 10 params → 200400404406422
GET
/banking/accounts/payments/plans
Get Instalment Plans Bulk
listInstalmentPlansBulk 9 params → 200400406422
Banking Payees 2

Banking Payee endpoints

GET
/banking/payees
Get Payees
listBankingPayees 9 params → 200400406422
GET
/banking/payees/{payeeId}
Get Payee Detail
getBankingPayeeDetail 7 params → 200400404406422
Banking Products 2

Banking Product endpoints

GET
/banking/products
Get Products
listBankingProducts 8 params → 200400406422
GET
/banking/products/{productId}
Get Product Detail
getBankingProductDetail 3 params → 200400404406

Schemas 107

The contract defines 107 schemas that model the data the API accepts and returns. The most detailed are CommonPAFAddress (22 properties), BankingTransactionV2 (19 properties), BankingAccountDetailV5_allOf (15 properties), BankingLoanAccountV3 (15 properties). Each schema is shown below with its type and property counts.

RequestAccountIdListV1
object
2 properties 1 required
ResponseBankingProductListV4
object
3 properties 3 required
BankingProductV6
object
14 properties 7 required
BankingProductCardArt
object
4 properties 3 required
BankingProductAdditionalInformationV2
object
Object that contains links to additional information on specific topics.
10 properties
BankingProductAdditionalInformationV2_additionalInformationUris
object
2 properties 1 required
ResponseBankingProductByIdV7
object
3 properties 2 required
BankingProductDetailV7
BankingProductBundle
object
5 properties 2 required
BankingProductFeatureV4
object
4 properties 1 required
BankingProductConstraintV3
object
4 properties 1 required
BankingProductEligibilityV2
object
4 properties 1 required
BankingProductFeeV2
object
13 properties 3 required
BankingFeeAmount
object
1 property 1 required
BankingFeeRate
object
4 properties 2 required
BankingFeeRange
object
A minimum or maximum fee amount where a specific fixed amount is not known until the fee is incurred.
2 properties
BankingProductDiscountV2
object
Note that the currency of the fee discount is expected to be the same as the currency of the fee itself.
9 properties 3 required
BankingFeeDiscountAmount
object
1 property 1 required
BankingFeeDiscountRate
object
3 properties 2 required
BankingFeeDiscountRange
object
A minimum or maximum fee discount amount where a specific fixed amount is not known until the fee is incurred.
2 properties
BankingProductDiscountEligibility
object
4 properties 1 required
BankingProductDepositRateV2
object
10 properties 3 required
BankingProductLendingRateV3
object
14 properties 5 required
BankingProductRateTierV4
object
Defines the criteria and conditions for which a rate applies.
8 properties 3 required
BankingProductRateConditionV2
object
Defines a condition for the applicability of a rate.
4 properties 1 required
BankingProductInstalments
object
Details of instalment features on the account.
6 properties 2 required
ResponseBankingAccountListV3
object
3 properties 3 required
BankingAccountV3
object
11 properties 6 required
ResponseBankingAccountByIdV5
object
3 properties 2 required
BankingAccountDetailV5
BankingInstalmentPlan
object
14 properties 10 required
BankingInstalmentPlanSchedule
object
3 properties 2 required
BankingTermDepositAccount
object
5 properties 3 required
BankingCreditCardAccount
object
4 properties 3 required
BankingLoanAccountV3
object
15 properties 1 required
ResponseBankingTransactionListV2
object
3 properties 3 required
BankingTransactionV2
object
19 properties 7 required
ResponseBankingTransactionByIdV3
object
3 properties 2 required
BankingTransactionDetailV3
ResponseBankingAccountsBalanceList
object
3 properties 3 required
ResponseBankingAccountsBalanceById
object
3 properties 2 required
BankingBalance
object
7 properties 3 required
BankingBalancePurse
object
2 properties 1 required
ResponseBankingPayeeListV2
object
3 properties 3 required
ResponseBankingPayeeByIdV2
object
3 properties 2 required
BankingPayeeV2
object
5 properties 3 required
BankingPayeeDetailV2
BankingDomesticPayee
object
4 properties 1 required
BankingDomesticPayeeAccount
object
3 properties 2 required
BankingDomesticPayeeCard
object
1 property 1 required
BankingDomesticPayeePayId
object
3 properties 2 required
BankingBillerPayee
object
3 properties 2 required
BankingInternationalPayee
object
2 properties 2 required
BankingDigitalWalletPayee
object
4 properties 4 required
ResponseBankingDirectDebitAuthorisationList
object
3 properties 3 required
BankingDirectDebit
object
4 properties 2 required
BankingAuthorisedEntity
object
5 properties
ResponseBankingScheduledPaymentsListV2
object
3 properties 3 required
BankingScheduledPaymentV2
object
8 properties 6 required
BankingScheduledPaymentSetV2
object
The set of payment amounts and destination accounts for this payment accommodating multi-part payments. A single entry indicates a simple payment with one dest…
4 properties 1 required
BankingScheduledPaymentToV2
object
Object containing details of the destination of the payment. Used to specify a variety of payment destination types.
9 properties 1 required
BankingScheduledPaymentFrom
object
Object containing details of the source of the payment. Currently only specifies an accountId but provided as an object to facilitate future extensibility and…
1 property 1 required
BankingScheduledPaymentRecurrence
object
Object containing the detail of the schedule for the payment.
6 properties 1 required
BankingScheduledPaymentRecurrenceOnceOff
object
Indicates that the payment is a once off payment on a specific future date. Mandatory if the recurrenceUType value is onceOff.
1 property 1 required
BankingScheduledPaymentRecurrenceIntervalSchedule
object
Indicates that the schedule of payments is defined by a series of intervals. Mandatory if the recurrenceUType value is intervalSchedule.
4 properties 1 required
BankingScheduledPaymentInterval
object
2 properties 1 required
BankingScheduledPaymentRecurrenceLastWeekday
object
Indicates that the schedule of payments is defined according to the last occurrence of a specific weekday in an interval. Mandatory if the recurrenceUType valu…
5 properties 2 required
BankingScheduledPaymentRecurrenceEventBased
object
Indicates that the schedule of payments is defined according to an external event that cannot be predetermined. Mandatory if the recurrenceUType value is event…
1 property 1 required
CommonPhysicalAddress
object
3 properties 1 required
CommonSimpleAddress
object
Mandatory if the addressUType value is simple.
8 properties 3 required
CommonPAFAddress
object
Australian address formatted according to the file format defined by the [PAF file format](https://auspost.com.au/content/dam/auspostcorp/media/documents/austr…
22 properties 3 required
Links
object
1 property 1 required
Meta
object
LinksPaginated
object
5 properties 1 required
MetaPaginated
object
2 properties 2 required
MetaPaginatedTransaction
ResponseErrorListV2
object
1 property 1 required
ErrorV2
object
4 properties 3 required
BankingProductCategoryV2
string
The category to which a product or account belongs. See [here](product-categories) for more details.
NppPaymentService
string
Identifier of the applicable overlay service. The service is used in conjunction with the serviceVersion. See [here](npp-services) for more details.
ResponseBankingInstalmentPlanList
object
3 properties 3 required
BankingProductId
string
A data holder-specific unique identifier for a Banking product. This identifier must be unique to a product but does not otherwise need to adhere to ID permane…
BankingAccountId
string
A unique identifier for a Banking account, generated according to [CDR ID Permanence](id-permanence) requirements.
BankingTransactionId
string
A unique identifier for a Banking transaction, generated according to [CDR ID Permanence](id-permanence) requirements.
BankingScheduledPaymentId
string
A unique identifier for a Banking scheduled payment, generated according to [CDR ID Permanence](id-permanence) requirements.
BankingPayeeId
string
A unique identifier for a Banking payee, generated according to [CDR ID Permanence](id-permanence) requirements.
BankingInstalmentPlanId
string
A unique identifier for a Banking instalment plan, generated according to [CDR ID Permanence](id-permanence) requirements.
RequestAccountIdListV1_data
object
1 property 1 required
ResponseBankingProductListV4_data
object
1 property 1 required
BankingProductDetailV7_allOf
object
8 properties
ResponseBankingAccountListV3_data
object
1 property 1 required
BankingAccountDetailV5_allOf
object
15 properties
ResponseBankingTransactionListV2_data
object
1 property 1 required
BankingTransactionDetailV3_allOf_extendedData_nppPayload
object
Mandatory if the extensionUType value is nppPayload.
5 properties 2 required
BankingTransactionDetailV3_allOf_extendedData
object
4 properties
BankingTransactionDetailV3_allOf
object
1 property 1 required
ResponseBankingAccountsBalanceList_data
object
1 property 1 required
ResponseBankingPayeeListV2_data
object
1 property 1 required
BankingPayeeDetailV2_allOf
object
5 properties 1 required
BankingInternationalPayee_beneficiaryDetails
object
3 properties 1 required
BankingInternationalPayee_bankDetails_bankAddress
object
2 properties 2 required
BankingInternationalPayee_bankDetails
object
9 properties 2 required
ResponseBankingDirectDebitAuthorisationList_data
object
1 property 1 required
ResponseBankingScheduledPaymentsListV2_data
object
1 property 1 required
MetaPaginatedTransaction_allOf
object
1 property
ErrorV2_meta
object
Additional data for customised error codes.
1 property
ResponseBankingInstalmentPlanList_data
object
1 property 1 required

Specification

The full machine-readable OpenAPI contract behind this narrative.

Source

bank-of-melbourne-cds-banking-products-openapi.yml Raw ↑

Other APIs Bank of Melbourne publishes across the network.

Bank of Melbourne CDR Accounts & Balances API
Bank of Melbourne CDR Transactions API
Bank of Melbourne CDR Direct Debits & Scheduled Payments API
Bank of Melbourne CDR Payees API
Where this information came from

This is an independent, third-party profile of Bank of Melbourne CDR Product Reference Data API, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.

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