Connecting Business Accounts via CDR

Sharing business accounts established under a business entity requires an additional step before the standard CDR consent flow: nominating a Nominated Representative who is authorised to share data on behalf of the business.

This applies to partnerships, companies, and trusts. Most sole traders are not affected — sole trader accounts are typically held as personal accounts in bank systems, and personal accounts do not require a nominated representative.

Note

CDR rules governing the nominated representative requirement for business accounts are expected to change in the second half of 2026. Under the anticipated new rules, all directors will automatically be able to consent without any prior nomination step. This page will be updated when those changes take effect.

If no representative has been nominated and a user attempts a business account consent, the Data Holder will show no eligible accounts — even for a director. The sections below outline how to complete the nomination for the major Australian banks.

ANZ

From November 2021, administrators in ANZ Internet Banking for Business can appoint one or more individuals (Administrators or Authorisers) as a Nominated Representative to share data on behalf of the business.

1. Access Internet Banking for Business and select Manage users from the Settings section.
2. Select the user whose access you want to update.
3. Select Edit.
4. Click Yes on Data sharing access.
5. Review your changes, then select Save.

More information: ANZ Open Banking & Data Sharing — Internet Banking for Business Help

CBA

CBA supports appointing a Nominated Representative digitally via NetBank or CommBiz.

1. Log on to NetBank and go to Settings → Manage data sharing → Setting up data sharing delegates.
2. Choose the business profile you want to assign a delegate to.
3. Tap Add delegate and choose a director or business authority.

More information: CommBank — Data Sharing Delegates

Westpac

Westpac uses a digital nomination process through Online Banking. Note that for business accounts opened after 1 November 2021, the nomination requirement does not apply — those users can proceed directly with a CDR consent.

1. Sign into Westpac Online Banking and navigate to the Business network profile.
2. Select Administration → User administration.
3. Select the name of the user you want to designate as a Nominated Representative (i.e. permission to share data on behalf of the organisation).
4. Scroll to the Open Banking data sharing heading and select Manage data sharing.
5. Confirm the user is registered for Protect SMS (check the Additional security section).
6. Select Save.

More information: Westpac — Data Sharing FAQs

NAB

NAB’s nomination process is paper-based. Business representatives who need online banking access must complete a form, which NAB processes before granting access.

More information: NAB — Open Banking

Tip

If frontline bank staff are unfamiliar with CDR, you can find the relevant bank in the Data Holders list on cdr.gov.au and reach out via their dedicated CDR support email address.

CDR Data Holders

The table below lists all banking data holders currently registered on the CDR Register. Use it to find a bank’s CDR FAQ, CDR Policy, support email address, or ABN.

Testing CDR data sharing

Businesses can explore their CDR data using the Business Consumer Consent (BCC) flow. To get access and guidance on testing, contact the Adatree support team.

Note

Some brands, account types, or specific data fields may be exempt from CDR requirements. For details on these exemptions refer to the ACCC Consumer Data Right Exemptions Register.