What's open banking?
Open banking lets you securely connect your bank accounts, and make payments through trusted apps and services like financial advisors or online stores.
You're in control of what you share, who you share it with, and for how long.
Open banking in action
More ways to pay
Pay straight from your Kiwibank account in just a few steps. It's a simple way to make one-off or ongoing payments.
Learn more about pay by bank.
Share your information securely
Share your account information with trusted apps and services to access tools like budgeting apps, or speed up lending applications — without needing to upload documents.
Learn more about data sharing.
How it works
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When using an app or service
You may see an option to pay by bank or connect your account.
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You're redirected to Kiwibank
Log in securely using your Kiwibank mobile app or internet banking.
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Review & confirm
You’ll see what is being requested, like a payment or access to your account information. Review the details before confirming or declining.
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Manage your authorisations
Check what you’ve agreed to and withdraw authorisation at any time.
Secure & in your control
Only trusted third‑party providers can use open banking to access your information or make payments, with your authorisation. They must be government accredited or approved by us, and meet strict security requirements.
Before you approve anything, you’ll always see:
- who is requesting access
- what they want to access or do
- how long the access will last.
You’re always in control — you can withdraw authorisation at any time.
Using open banking safely
Only connect your account or make payments with services you know and trust. You’ll always log in securely with Kiwibank — we’ll never ask you to share your password directly with third-party providers.
Third-party open banking services currently supported by Kiwibank:
Common questions
Open banking is designed with your security in mind, using international best practices. Payments NZ Limited (PNZ) helps ensure open banking in Aotearoa is safe and secure.
Any third-party provider that offers open banking services must meet strict security standards set by Kiwibank or Payments NZ. Learn more about PNZ at apicentre.paymentsnz.co.nz.
No. You can continue banking as normal with Kiwibank.
If something doesn’t look right, withdraw authorisation straight away.
- For account or security concerns, contact us.
- For questions about how a third‑party app or service works, contact the provider directly.
Build with our open banking APIs
Developers can access our APIs, documentation and tools to start building.
Explore open banking APIs for developers.