We’re working with the banks and the tech community to create open banking standards and protocols that enable fast, secure, user-friendly data sharing for Aotearoa New Zealand.
Open banking creates an opportunity for innovation, enabling businesses to create new products and services that will empower Kiwi financial wellbeing.
If you’d like to be part of shaping open banking in Aotearoa, read on to find out more about us and how to join the API Centre.
Explore our API standards for Payments, Account Information, and Event Notifications along with the operating standards underpinning them.
Find out about options to join the API Centre and how you can contribute to the open banking ecosystem.
Joining our API Centre as a Community Contributor is free. You'll get access to our sandbox, powered by Glueware's Open Banking Accelerator, to test your innovation to our industry API standards.
T&Cs apply
Being led by industry means we prioritise new API standards that best meet market needs. From there, we coordinate development, management and governance of open banking API standards and provide supporting services.
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Our published standards are available for anyone to view. Joining the API Centre gives you more rights to contribute or use the standards.
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If you’re a potential API Provider such as a bank, or an interested tech company, your organisation can apply to join as an API Standards User. You can then use our API standards with other API Standards Users.
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Individuals, such as developers, can join for free as a Community Contributor. You'll be able to use our sandbox to test your innovation against industry API standards and contribute to pre-release standards.
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In September 2025, the Commerce Commission Te Komihana Tauhokohoko released an open letter outlining its observations on recent progress in open banking. We responded in writing to the Commission in early December.
Read moreIn October, more than 100,000 unique customers used open banking services powered by the Payments NZ API Centre’s industry-created API standards, completing over 180,000 payments.
Read morePayments NZ has recently introduced a range of changes and updates to our API Centre governance arrangements, demonstrating our ongoing commitment to continuous improvement and the principles of good governance.
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