These guidelines show examples for how data holders may provide alternative notification schedules for joint account holders.
Overview
CDR Rule 4A.14(3) requires data holders to:
(a) provide for alternative notification schedules (including reducing the frequency of notifications or not receiving notifications) and
(b) give each joint account holder a means of selecting such an alternative, and of changing an election.
Alternative settings under rule 4A.14(3) only apply to the following notifications in 4A.14(1):
- The requester has given, amended, or withdrawn an authorisation
- Expiration of an authorisation
- A relevant account holder hasn’t given approval within a specified time frame
- A relevant account holder has withdrawn an approval
The guidelines in this section show examples for how to implement requirements for providing alternative notification schedules. For further guidance, see ACCC's 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.
The following wireframes show two example pathways for providing alternative notification schedules.
- In pathway 1, an account holder changes their joint account notification settings via the data holder settings options.
- In pathway 2, the relevant account holder (account holder B or AH-B) changes their joint account notification settings via an authorisation notification.
Download open source asset
Open source design assets are created in Figma for the purposes of assisting implementation. This Figma file contains annotated wireframes and working prototypes for Joint account notification settings.
Item | File | Date released | Version introduced |
|---|---|---|---|
5CM5. Joint account notification settings v1.35.0.2025.09.25 | 5CM5. Joint account notification settings v1.35.0.2025.09.25.fig | September 25, 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 691: CX Guidelines | Expanding Amending BCDC CX Guidelines | Data Standards Body (DSB) | April 15, 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 Notification Settings) | Data Standards Body (DSB) | February 15, 2021 | github.com | Consultations |
Phase 3, Round 3 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 |
Last updated
This page was updated @September 25, 2025
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