Together with the industry, from banks to startups, we’re creating the open banking standards and protocols needed to ensure fast, secure, user-friendly data sharing for Aotearoa New Zealand.
What we’re co-designing will power increased innovation, enabling businesses to create new products and services that will empower Kiwis’ financial wellbeing.
If you’d like to be part of NZ Inc’s open banking future, read on to find out more.
Gain efficiencies by building to industry API standards and use our sandbox to test your innovations.
Join our API Centre® community to be part of a new open banking ecosystem and contribute to API standards development.
Form partnerships with other registered Standards Users to deliver your innovation to Kiwis.
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
Our API Centre coordinates the ongoing development, management and governance of payment-related API standards and provides supporting services. It’s industry led and designed to respond to market needs.
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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 Third Party, your organisation can apply to become a Standards User. You can then use our industry API standards through bilateral agreements with other registered Standards Users.
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Individuals, such as developers, can also join the API Centre as a Community Contributor. You'll be able to use our sandbox to test your innovation against our 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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