Open API

Application programming interface (API) is a computer programming approach for facilitating exchange of information and executing instructions between different computer systems. Open APIs refer to APIs that allow third party access to systems of an organisation.

Open API allows financial institutions to open up their internal IT systems and data for programmatic access by third-party service providers (TSPs) or their counterparts in an open and documented manner. Effective implementation of Open API enables, for example, information of different banks’ products and services to be aggregated under the same website / application for comparison and financial planning by users with ease. New service providers may also make use of the open information to offer unique products and new customer experience.

For information about the HKMA’s APIs, which provide financial data and important information published on HKMA’s website, please visit the HKMA’s Open API portal or click here to view HKMA’s video.

Public Bank (Hong Kong) collaborates with the following third-party service provider(s) on Open API.

Interbank Account Data Sharing (IADS)

The Hong Kong Monetary Authority (HKMA) IADS programme enables you to securely obtain or share your bank account information from one participating bank (“Data Providing Bank”) to other participating banks (“Data Consuming Bank”) based on your consent.
 

To learn more about the HKMA IADS programme and the list of IADS Participating Banks, please visit the IADS webpage of HKMA.

Frequently asked questions (FAQs)

1. How to use IADS service? 

As Data Providing Bank: Customers who wish to share the account information of Public Bank (Hong Kong) Limited (the “Bank” or “we”) to their selected bank should maintain a deposit account with us and have registered for our Electronic Banking services. Customers are required to provide consent to us for sharing the Bank’s account information via the selected bank’s electronic banking platform and follow the steps accordingly.
 

As Data Consuming Bank: Sole personal customers who wish to share the account information of their selected bank to us should maintain a deposit account with us and have registered for our PBHK Digi Mobile Application.  Sole personal customers are required to provide consent to us for obtaining the account information of their selected bank via our PBHK Digi Mobile Application and refer to the following steps:

(i) Log in to PBHK Digi Mobile Application

(ii) Tab “Interbank Account Data Sharing Service” on the “More” page

(iii) You will be redirected to the interface of your selected bank to select the account for connection

(iv) Complete – you can return to PBHK Digi Mobile Application

Customers can have a consolidated view of accounts to understand their financial situation with just a few steps.
 

2. What kind of account information will be shared?

The Bank will obtain or share the Bank’s or other banks’ Current or Savings account information with customer consent, limited to account availability, account status, account balance and transaction records.
 

3. Is IADS service free of charge?

IADS service does not incur any fees.
 

4. Which banks have participated in the IADS programme?

Please visit the IADS webpage of HKMA on the list of IADS Participating Banks.
 

5. How to revoke the customer consent?

As Data Providing Bank: You can view and revoke the customer consent via our Net Banking under the “Revoke Third Party Service Provider (TSP) Consent” of Registration & Settings.

As Data Consuming Bank: You can view and revoke the customer consent via our PBHK Digi Mobile Application under the “Interbank Account Data Sharing Service” on the “More” page.
 

For any enquiries, please contact the Customer Hotline at (852) 8107 0818.