There’s nothing worse than developing against an API with crappy test data. We get that! This is why we have put a lot of effort into ensuring that our test data mimics real production data that your app will consume.

The test data that we provide (below) has been designed to mimic a real life user. This means that just a like a real user would spend and receive funds throughout the day - our test accounts have been designed to do the same thing. Therefore you should expect to see new transaction records being created throughout the day, and the account balances adjusted accordingly.

The transaction data is completely random to best replicate the type of data that you should expect to see for your own customers.

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Sandbox environment
You can use our sandbox environment for free right now - just grab an API key to get started (via the Developer Dashboard). We recommend using our test bank Hooli.

Note: There is a limit of 500 for sandbox connections. If you reach your limit and need to have this increased, feel free to reach out to [email protected].

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🆕 Initial Testing and Billing Policy
For initial testing, BASIQ services are available at no cost. This free access allows you to extensively test our platform's capabilities using our sandbox environment. However, once you transition from testing to becoming a paying customer, charges will apply for any users on your platform. This billing policy ensures that you have the opportunity to fully explore and understand the value of BASIQ services before any financial commitment is required.
If you have questions about transitioning to a paying customer or about our billing structure, please contact our support team at [email protected].

loginId	password	persona	suitable use case
Wentworth-Smith	whislter	This is a joint account. income (transaction account): 2 sources of salary, monthly stable salary & fortnightly stable salary. liabilities: mortgage (mortgage account) and car loan (payments in the transaction account) expenses: has predictable expenses (credit-card account)	Verify income Review expenses Affordability assessment Assess liabilities PFM Access transaction data Identify spending patterns Personalised financial advice Capture account details
Whistler	ShowBox	income (transaction account): 1 source of salary, fortnightly salary liabilities: has BNPL (transaction account), no mortgage / personal loan expenses: no daily expenses risk flags: large amount of external transfer (debit to Jared)	Verify income Assess liabilities Access transaction data Personalised financial advice Capture account details
Gilfoyle	PiedPiper	income (transaction account): stop fortnightly salary, unemployment benefits liabilities: increase in BNPL (transaction account) expenses: has predictable expenses (credit-card account) risk flags: late fee (credit-card account)	Verify income Assess liabilities Expense check Affordability assessment Identify spending patterns PFM Analyse creditworthiness Access transaction data Personalised financial advice Capture account details
gavinBelson	hooli2016	income (transaction account): 1 salary + 1 additional earning, increase monthly salary + extra income (tutoring weekly volatile) liabilities: personal loan (loan account) expenses: predictable expenses (credit-card account) HooliGov Bank (AU00004)	Verify income Assess liabilities Expense check Affordability assessment Identify spending patterns PFM Analyse creditworthiness Access transaction data Personalised financial advice Capture account details
jared	django	income (transaction account): weekly volatile income from uber + credit transfers from Whistler liabilities: unshared mortgage account (payments in the transaction account), car loan (payments in the transaction account) expenses: predictable expenses (credit-card account) assets: term deposit	Verify income Assess liabilities Expense check Affordability assessment Identify spending patterns PFM Analyse creditworthiness Access transaction data Personalised financial advice Capture account details
richard	tabsnotspaces	income (transaction account): high stable fortnightly income, 2 rental incomes liabilities: 3 mortgages (1 shared mortgage account & 2 unshared mortgages), 2 car loans (payments in the transaction account), 4 credit cards (1 shared credit card account & 3 unshared credit card accounts) expenses: predictable expenses (credit-card account)	Verify income Assess liabilities Expense check Affordability assessment Identify spending patterns PFM Analyse creditworthiness Access transaction data Personalised financial advice Capture account details
laurieBream	business2024	Happy path persona with business fields and business consumer consent	Business Consumer Consent
ashMann	hooli2024	income (transaction account): 1 salary monthly income, rental income liabilities: unshared credit card transactions (payments in the transaction account). BPAY related CDR fields like `billerCode`, `billerName`, and `crn` are disclosed under “Bankwest credit card” transactions under this user as examples. expenses: predictable expenses (credit-card account), rental expense risk flags: gambling behaviours, cash withdrawal, crypto exchange	Verify income Assess liabilities Expense check Affordability assessment Identify spending patterns PFM Analyse creditworthiness Access transaction data Personalised financial advice Capture account details

Unhappy path test users

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Unhappy path test users
The following users will always return the same errors at the same job step. We created them to ensure you could fully test the unhappy paths your user may encounter while connecting their accounts via DDC and handle them appropriately. See here on how to best handle these scenarios.

loginID	password	Failure scenario
bighead	password	Error: `invalid-credentials` Detail: "Account is locked"

erlich	aviato	Error: `account-not-accessible-requires-user-action` Detail: "An action is required from end-user before account details can be returned."

jianYang	nothotdog	Error: `service-unavailable` Detail: "Service is currently unavailable. Please try again later."

MFA users

We have two test banks to test MFA challenges

Pied Piper Bank (mfa-challenge always)
Nucleus Bank (mfa-challenge intermittent - 50/50)

loginId	password	mfaChallengeMethod	mfaChallengeInput	mfaChallengeSolution
jared	django	token	["OTP Password"]	["1234"]
richard	tabsnotspaces	token	["OTP Password"]	["1234"]
gavinBelson	hooli2016	security-questions	["What's your first company?"]	["Hooli"]
Gilfoyle	PiedPiper	security-questions	["What's your first company?"]	["Hooli"]
Whistler	ShowBox	security-questions	["What's your favourite company?", "What's the ID of this institution?"]	["Basiq", "AU00000"]
Wentworth-Smith	whislter	security-questions	["What's your favourite company?", "What's the ID of this institution?"]	["Basiq", "AU00000"]

📢 Attention! If you have any issues, please reach out to our amazing support team.