Account opening

Engage customers at the first click

Set the stage for an elevated experience with seamless, secure account opening.

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Spotlight

The future is wide open

Impactful account opening journeys are powered by data.

3 in 1

Gen Z consumers have shared or would share their financial data for the purpose of opening a new bank account.

1 in 4 Australians

The aspirational target for active CDR use by 2030.

No. 2

Everyday banking transactions rank second among the top open banking use cases.

93%

Of B2B respondents say they trust Mastercard to share financial data

The Mastercard difference

Our account opening solutions are powered by Finicity, a Nacha preferred partner. Our solutions help customers meet tailor copy for AUS regulatory standards such as CDR compliant, NACHA web debit rule standards is very US specific

Real-time account opening and funding solutions

Consumer-permissioned data sharing through the consumer data right

Authenticate quickly and accurately

Account owner verification:

Simplify account opening’s biggest security challenge: identity verification.

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Mitigate fraud risk

Identity insights:

Validate ownership data against network-based identity insights with a single API call.

Streamline onboarding

Real-time authentication:

Forget micro-deposits and notifications that take days — our solutions deliver results now.

Boost payment success and reduce fees

Balance check:

Instant account balance checks improve payment success.

Deliver a seamless experience

Consent management and connectivity

Consumers can easily permission their account data to enable and enhance new financial experiences

1. Mastercard Rise of Open Banking Report, 2024.

2. Mastercard, Small and Medium Enterprises are Big Business Report, 2023.

3. Mastercard Economics Institute, Recovery Insights: Small Business Reset, 2021.

4. Australian Banking Association - SME Lending Report 2022

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