Open Banking - Manage consent

What happens if I stop sharing?

You can stop sharing your data by withdrawing the consent you have granted us to share it. Once you have done this, we will no longer share your data the next time the relevant Accredited Data Recipient (ADR) requests it. We will send a message to the ADR to advise them that you have withdrawn your consent to share data.


You can view your revoked and expired consents on the data sharing dashboard on Westpac Online Banking.


If you revoke your consent for us to share your data, you will not be able to reinstate it. If you would like to recommence data sharing, you will need to create a new consent with the ADR.


If you revoke your consent, this does not mean that the data we have already shared with the ADR will be deleted. You will need to contact the ADR to discuss what they will do with this data.

Can’t see all your accounts? Learn more about data sharing for eligible accounts

Open Banking consumer data sharing commenced for Westpac on 1 July 2020, with a number of eligible accounts available for data sharing. A full list of Westpac Accounts available for data sharing is available on our Westpac Open Banking internet page.

Open Banking consumer data sharing commenced for BT Financial on 25 March 2022, with a number of eligible accounts available for data sharing. A full list of BT Financial Accounts available for data sharing is available on our BT Open Banking internet page.
 

Both Westpac and BT Financial customers access Open Banking to grant and manage data sharing consents through Westpac Online Banking. You will only be able to see the Westpac and BT Financial accounts in Westpac Online Banking that are eligible for Open Banking.  

How can I share my data for joint accounts?

1. A joint account must be ‘enabled’ for an account holder to authorise Westpac to share data on that joint account. From 4 August 2022, in-scope joint accounts will be enabled by default unless customers have disabled the account for data sharing prior to 4 August 2022, or a previous request to enable the account has not been completed before 4 August 2022.

2. When a joint account is enabled, any Open Banking data sharing authorisations created by one account holder are taken to have been pre-approved by all account holders. This means that any joint account holder can authorise Westpac to share data on the joint account with an ADR, without requiring further approval from any other joint account holder, when Westpac receives a valid data sharing request from an ADR in respect of that joint account. This is despite any existing banking authorities that apply to the joint account (e.g., 'more than one to sign', etc).

3. Any joint account holder can at any time view the joint account's data sharing option or change it to disabled at any time through the online consent dashboard in Online Banking. Once the data sharing is set to disabled:

(a) data sharing will cease for the joint account with respect to any existing data sharing authorisations;

(b) no joint account holder will be able to share data from that account;

(c) any subsequent request made on the online consent dashboard in Online Banking to enable data sharing on the joint account will need to be approved by all joint account holders within a specified period of time.

4. Joint account holders will always be notified whenever the data sharing status of the joint account changes. Joint account holders will also be notified when another joint account holder creates, amends or withdraws an authorisation to share data with an ADR or an authorisation has expired, unless the joint account holder has nominated not to receive these notifications. 

Why can’t I see my joint accounts?

There are several reasons why a joint account may not be eligible for data sharing and therefore, you will not be able to see or select the account for data sharing:

  • The account is not available for data sharing (check the List of Accounts available for Open Banking)
  • One or more joint account holders are not eligible for data sharing

How can I tell if a joint account has stopped sharing?

If a joint account is part of an active consent and one joint account holder decides to Stop Sharing data, then data will no longer be shared with the Accredited Data Recipient for that account. Note that other accounts (if any exist within the consent) will remain active, unless the full consent is revoked.


When the joint account is stopped from sharing, there will be a message in the data sharing dashboard, when any other account holder views the consent. In the message, the word account will have a link. By clicking on the link, you will be able to view further details for that account about the data that has stopped sharing.

Can’t see all your profiles?

For customers with both personal and business profiles, there are several reasons why a profile may not be available for data sharing and therefore, you may not be able to see or select the profile for data sharing:
 

  • Your Organisation has not nominated you as a Nominated Representative to share data on its behalf;
  • You have entered a Westpac Protect™ Security Code and Customer Number which is not linked to the relevant profile; and/or
  • One or more of your Business Network Profiles is not active or has accessibility restrictions