Alex Bank

Alex Bank (Alex Bank Pty Ltd, ABN 13 627 244 848) is an Australian digital bank headquartered in Brisbane, founded in 2018 by former Suncorp bankers Simon Beitz and Craig Fenwick. It is a shareholder-owned, venture-backed authorised deposit-taking institution (ADI) - not a customer-owned mutual - that received its Restricted ADI licence from APRA in July 2021 and a full banking licence in December 2021, and joined the Reserve Bank of Australia's RITS as an Exchange Settlement Account holder in 2025. Alex offers consumer lending (personal, green, car and EV loans) and deposit products (term deposits and a savings account). As an active ADI, Alex is a Consumer Data Right (CDR) data holder - it publishes an unauthenticated Product Reference Data API under the DSB Consumer Data Standards, runs a CDR consent-management portal, and supports accredited-data-recipient sharing of savings, term deposit and personal loan data.

Alex Bank publishes 7 APIs on the APIs.io network, including Banking Account Balances API, Banking Account Direct Debits API, Banking Account Scheduled Payments API, and 4 more. Tagged areas include Financial, Banks, Open Banking, CDR, and Consumer Data Right.

Alex Bank’s developer surface includes documentation, API reference, engineering blog, support, authentication, and 20 more developer resources.

🌐 Visit website 📡 Source on GitHub

40.2/100 developing ▬ flat Agent 37/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

1 APIs

Financial Banks Open Banking CDR Consumer Data Right Consumer Banking Australia Digital Bank Product Reference Data

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 40.2/100 · developing

Contract Quality 9.3 / 19

Developer Ergonomics 5.6 / 15

Access Clarity 3.2 / 15

Operational Transparency 0.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.7 / 8

Regulatory Posture 10.6 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 37/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/alex-bank: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Alex Bank Banking Account Balances API

Banking Account Balance endpoints

Alex Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Alex Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Alex Bank Banking Account Transactions API

Banking Account Transaction endpoints

Alex Bank Banking Accounts API

Banking Account endpoints

Alex Bank Banking Payees API

Banking Payee endpoints

Alex Bank Banking Products API

Banking Product endpoints

Scroll for all 7

Open Collections 8

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

CDR Banking Banking Account Balances API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Direct Debits API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Scheduled Payments API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Transactions API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Accounts API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Payees API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Products API

OPEN COLLECTION

Scroll for all 8

Arazzo Workflows 1

Multi-step API workflows described with the Arazzo specification.

Browse Alex Bank products and fetch one product's detail

List Alex Bank's public CDR banking products, then retrieve the full detail of the first product. Runs against the public unauthenticated PRD endpoint - no credentials.

ARAZZO

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Alex Bank Authentication

none/oauth2/openIdConnect/mutualTLS · 2 schemes

SECURITY

Alex Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Alex Bank Scopes

12 scopes · authorizationCode

12 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Alex Bank Agentic Access

19 operations · 3 acting

AGENTIC

Resources

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Conventions

Lifecycle

DataModel

Arazzo

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 2

Status, limits, changes, and where to get help

Support

Support

Deprecation

Deprecation

Commercial 3

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: alex-bank
url: https://raw.githubusercontent.com/api-evangelist/alex-bank/refs/heads/main/apis.yml
name: Alex Bank
kind: company
description: Alex Bank (Alex Bank Pty Ltd, ABN 13 627 244 848) is an Australian digital bank headquartered in Brisbane, founded
  in 2018 by former Suncorp bankers Simon Beitz and Craig Fenwick. It is a shareholder-owned, venture-backed authorised deposit-taking
  institution (ADI) - not a customer-owned mutual - that received its Restricted ADI licence from APRA in July 2021 and a
  full banking licence in December 2021, and joined the Reserve Bank of Australia's RITS as an Exchange Settlement Account
  holder in 2025. Alex offers consumer lending (personal, green, car and EV loans) and deposit products (term deposits and
  a savings account). As an active ADI, Alex is a Consumer Data Right (CDR) data holder - it publishes an unauthenticated
  Product Reference Data API under the DSB Consumer Data Standards, runs a CDR consent-management portal, and supports accredited-data-recipient
  sharing of savings, term deposit and personal loan data.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/alex-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Digital Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21T12:00:00Z'
specificationVersion: '0.23'
apis:
- aid: alex-bank:alex-bank-banking-account-balances-api
  name: Alex Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.alex.bank/legal/open-banking/
  baseURL: https://public.cdr.alex.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/alex-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.alex.bank/legal/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: alex-bank:alex-bank-banking-account-direct-debits-api
  name: Alex Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.alex.bank/legal/open-banking/
  baseURL: https://public.cdr.alex.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/alex-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.alex.bank/legal/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: alex-bank:alex-bank-banking-account-scheduled-payments-api
  name: Alex Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.alex.bank/legal/open-banking/
  baseURL: https://public.cdr.alex.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/alex-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.alex.bank/legal/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: alex-bank:alex-bank-banking-account-transactions-api
  name: Alex Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.alex.bank/legal/open-banking/
  baseURL: https://public.cdr.alex.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/alex-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.alex.bank/legal/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: alex-bank:alex-bank-banking-accounts-api
  name: Alex Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.alex.bank/legal/open-banking/
  baseURL: https://public.cdr.alex.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/alex-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.alex.bank/legal/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: alex-bank:alex-bank-banking-payees-api
  name: Alex Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.alex.bank/legal/open-banking/
  baseURL: https://public.cdr.alex.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/alex-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.alex.bank/legal/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: alex-bank:alex-bank-banking-products-api
  name: Alex Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.alex.bank/legal/open-banking/
  baseURL: https://public.cdr.alex.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/alex-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.alex.bank/legal/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
common:
- type: CapabilityMap
  url: capabilities/alex-bank-capability-edges.yml
  name: Alex Bank Business Capability Map
- type: AgenticAccess
  url: agentic-access/alex-bank-agentic-access.yml
- type: DomainSecurity
  url: security/alex-bank-domain-security.yml
- type: Website
  url: https://www.alex.bank/
- type: Documentation
  url: https://www.alex.bank/legal/open-banking/
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
- type: Blog
  url: https://www.alex.bank/blog/
- type: Support
  url: https://consent.cdr.alex.com.au
- type: PrivacyPolicy
  url: https://www.alex.bank/legal/privacy-policy/
- type: TermsOfService
  url: https://www.alex.bank/legal/
- type: PrivacyPolicy
  url: https://www.alex.bank/legal/consumer-data-right-cdr-policy/
- type: Authentication
  url: authentication/alex-bank-authentication.yml
- type: OAuthScopes
  url: scopes/alex-bank-scopes.yml
- type: WellKnown
  url: well-known/alex-bank-well-known.yml
- type: Conformance
  url: conformance/alex-bank-conformance.yml
- type: ErrorCatalog
  url: errors/alex-bank-problem-types.yml
- type: Conventions
  url: conventions/alex-bank-conventions.yml
- type: Lifecycle
  url: lifecycle/alex-bank-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: DataModel
  url: data-model/alex-bank-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/alex-bank-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/alex-bank-llms.txt
- type: Overlay
  url: overlays/alex-bank-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/alex-bank-lookup-products.md
- type: Arazzo
  name: Browse Alex Bank products and fetch one product's detail
  url: arazzo/alex-bank-browse-products.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/alex-bank"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/alex-bank/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/alex-bank/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.