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Under the Consumer Data Right (CDR) Open Banking, some banks require businesses and other non-individual account holders (e.g., trusts) to appoint a Nominated Representative before they can share data.
A Nominated Representative (also known as a delegate) is an individual within an organisation who is authorised to manage and share CDR data on its behalf. The process for appointing a Nominated Representative varies by bank - some offer online registration, others provide in-app options, and some require a paper or digital form submission.
We strongly recommend guiding your end users through this step before they attempt to add their accounts – it's the most common cause of connection issues at go-live.
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Our Help Centre guide walks through the process - Nominated Representative Process
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You can also direct your end users to CDR Ready by SISS Data Services to verify their Nominated Representative status with their bank before connecting their accounts.