# Alex Bank

**Canonical:** https://apis.io/providers/alex-bank/  
**Website:** https://www.alex.bank/  
**APIs profiled:** 7

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.

## Kin Score — 44.4 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 43.3).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 51.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 37.5 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 70.9 (matched via tags).

## Agent readiness — 34.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (7)

- **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

## MCP servers (1)

- **Alex Bank MCP Server**

## Agentic access (1)

- **Alex Bank Agentic Access** — 19 operations · 3 acting

## Security (2)

- **Alex Bank Authentication** — none/oauth2/openIdConnect/mutualTLS · 2 schemes
- **Alex Bank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/alex-bank/). Scores are computed from the provider's own public artifacts under a published rubric.