These guidelines provide examples for how to implement the authorisation flow in relation to joint accounts.
Overview
According to rule 1.7, a joint account is a joint account with a data holder for which there are 2 or more joint account holders, each of which is an individual who:
(i) so far as the data holder is aware, is acting in their own capacity and not on behalf of another person; and
(ii) is eligible in relation to the data holder; but does not include a partnership account with a data holder.
Division 4.2A sets out the three disclosure options (pre-approval option, co-approval option and non-disclosure option), with the default option being the pre-approval option.
The guidelines in this section provide examples of how to implement requirements for the authorisation flow for disclosing data from joint accounts.
For further guidance, see ACCC's Revised joint account implementation guidance.
Wireframes and guidelines
Note: The wireframes shown are examples of how to implement key rules, standards, and guidelines. Use the on-screen functions to adjust zoom level or expand the wireframes to be viewed at full screen.
Default example (pre-approval option)
The following wireframes show a basic example of the authorisation flow where account holder A (AH-A) authorises to share data from a joint account with pre-approval disclosure option. Variations can be found in the below sections.
Note: Other requirements related to authorisation apply to this flow. Check the latest CDR Rules, CX Standards and Guidelines on authorisation for guidance.
Authorisation flow for vulnerable requesters
The following wireframes show an example of the authorisation flow where rule 4A.15 is leveraged to allow account holder A (AH-A), a vulnerable requester, to share their joint account data as if it were an individual account.
The standards and guidelines outlined below represent one possibility for supporting vulnerable consumers. This may apply, for example, where the Data Holder recognises that notifying the other joint account holder(s) of joint account sharing may put a vulnerable requester at risk.
This approach may not be appropriate for other scenarios concerning vulnerability. Data Holders should assess the appropriateness of this optional implementation pattern based on their existing protocols for dealing with vulnerability.
Authorisation flow with co-approval joint accounts
The following wireframes show an example where account holder A (AH-A) authorises to share data from a joint account with co-approval disclosure option, requiring account holder B (AH-B) to respond to this request before data from the joint account can be accessed.
Download open source asset
Open sources design assets are created in Figma for the purposes of assisting implementation. This Figma file contains annotated wireframes and working prototypes for Authorisation to disclose joint account data, including:
- Default example (pre-approval option)
- Authorisation flow for vulnerable requester
- Authorisation flow with co-approval joint accounts
Item | File | Date released | Version introduced |
|---|---|---|---|
3AU2. Authorisation to disclose joint account data v1.35.0.2025.09.12 | 3AU2. Authorisation to disclose joint account data v1.35.0.2025.09.12.fig | September 12, 2025 | 1.35.0 |
For past versions, refer to Change log.
About this page
References
The artefacts on this page were informed by the following sources.
Title | Author | Date published | URL | Type |
|---|---|---|---|---|
Change Request 700: CX Guidelines | Redirect to App (R2A) CX Guidelines Changes | Data Standards Body (DSB) | June 5, 2025 | github.com | Consultations |
Consultation Draft 369: Redirect to App - Draft Standards | Data Standards Body (DSB) | April 4, 2025 | github.com | Consultations |
Joint account implementation guidance | Australian Competition and Consumer Commission (ACCC) | February 4, 2025 | www.cdr.gov.au | Guidance |
Noting Paper 207: Draft v3 Rules Analysis | Anticipated Data Standards | Data Standards Body (DSB) | August 4, 2021 | github.com | Consultations |
Draft v3 Rules consultation | The Treasury | July 1, 2021 | treasury.gov.au | Consultations |
Design Paper 176: an ‘opt-out’ data sharing model for joint accounts in the banking and energy sectors | Data Standards Body (DSB) | April 26, 2021 | github.com | Consultations |
Decision Proposal 162: CX Standards | Joint Accounts (see concept Authorisation flow) | Data Standards Body (DSB) | February 15, 2021 | github.com | Consultations |
Noting Paper 157: CX Standards Arising from v2 Rules | Data Standards Body (DSB) | January 29, 2021 | github.com | Consultations |
Report 2: Joint Accounts and the Consumer Data Right | Consumer Policy Research Centre (CPRC) | December 1, 2020 | cx.dsb.gov.au | Research |
Draft v2 Rules consultation (see concept 7.1 Joint accounts) | Australian Competition and Consumer Commission (ACCC) | November 18, 2020 | accc.gov.au | Consultations |
Phase 3, Round 3 Research Report | Data Standards Body (DSB) | August 31, 2020 | cx.dsb.gov.au | Research |
Phase 3, Round 1 and 2 Research Report | Data Standards Body (DSB) | August 31, 2020 | cx.dsb.gov.au | Research |
Phase 3, Round 6 Research Report | Data Standards Body (DSB) | August 31, 2020 | cx.dsb.gov.au | Research |
CX Workshop: Joint Accounts | Data Standards Body (DSB) | August 1, 2019 | miro.com | Consultations |
Phase 2, Stream 1 Research Report | GippsTech | July 31, 2019 | cx.dsb.gov.au | Research |
10 Usability Heuristics for User Interface Design (Visibility of system status) | Nielsen Norman Group (NNG) | April 24, 1994 | nngroup.com | Other |
Last updated
This page was updated @September 12, 2025
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