Australia and New Zealand Banking Group (ANZ)

Australia and New Zealand Banking Group Limited (ANZ) is one of Australia's "Big Four" banks, a publicly listed company (ASX and NZX code ANZ) headquartered in Melbourne that provides retail, commercial, and institutional banking across Australia, New Zealand, and internationally. ANZ is not a mutual or customer-owned institution; it is a shareholder-owned Authorised Deposit-taking Institution (ADI) regulated by APRA. As a designated data holder under Australia's Consumer Data Right (CDR / Open Banking), ANZ exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards, and operates a separate CDR brand endpoint for ANZ Plus. Consumer data sharing beyond product reference data is gated behind the CDR accredited-data-recipient (ADR) model using OAuth2 / OpenID Connect FAPI security profiles.

Australia and New Zealand Banking Group (ANZ) publishes 16 API contracts indexed on the APIs.io network, including Banking Account Balances API, Banking Account Direct Debits API, Banking Account Scheduled Payments API, and 13 more. Tagged areas include Finance, Banks, Open Banking, CDR, and Consumer Banking.

The Australia and New Zealand Banking Group (ANZ) catalog on APIs.io includes 1 Spectral governance ruleset.

Australia and New Zealand Banking Group (ANZ)’s developer surface includes authentication, API reference, support, documentation, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

41.1/100 developing ▬ flat Agent 26/100 agent aware Front door AI 1/6 silent Heartbeat 64/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 1 Agent Skills

Finance Banks Open Banking CDR Consumer Banking Australia Product Reference Data ADI

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Personal Finance & Consumer Money

AE-190

Banking Account BalancesBanking Account Direct DebitsBanking Account Scheduled PaymentsBanking Account TransactionsBanking AccountsBanking Payees

GET /banking/accounts/{accountId}/balance GET /banking/accounts/{accountId}/transactions GET /banking/accounts GET /banking/accounts/{accountId}

Banking Product Management

BC-1310

Banking Products

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 41.1/100 · developing

Contract Quality 8.4 / 19

Developer Ergonomics 6.7 / 15

Access Clarity 3.2 / 15

Operational Transparency 2.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 7.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 26/100 · agent aware

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 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 21.1 — up to +15.8 composite points
Contract Quality scores 44.7 — up to +13.8 composite points
Developer Ergonomics scores 44.6 — up to +11.1 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/anz/apis.yml: open an issue on github.com/api-evangelist/anz to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Australia Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending)	regulated	56.4	-	-
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	regulated	56.4	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 4

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

OpenID Connect

measured — observed by APIs.io (declared)

Mutual TLS

measured — observed by APIs.io (declared)

APIs 16

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

Australia and New Zealand Banking Group (ANZ) Payments API

ANZ's first-party Payments API suite on the ANZ Developer Portal, letting business and institutional customers automate and optimise payment workflows across domestic payment ra...

Australia and New Zealand Banking Group (ANZ) PayTo API

ANZ's first-party PayTo API (also available as a file channel) for real-time account-to-account payments and PayTo mandate management over the New Payments Platform (NPP). Docum...

Australia and New Zealand Banking Group (ANZ) PayID Check API

ANZ's first-party PayID Check API to verify that a PayID is registered before initiating a payment or collection, streamlining NPP payment and collection workflows. Documented o...

Australia and New Zealand Banking Group (ANZ) Confirmation of Payee API

ANZ's first-party Confirmation of Payee API matches a recipient's account name against their BSB and account number to reduce mistaken and mistakenly-directed payments and help ...

Australia and New Zealand Banking Group (ANZ) Account Statements API

ANZ's first-party Account Statements API provides real-time and end-of-day account statements so business and institutional customers can monitor transactions and support reconc...

Australia and New Zealand Banking Group (ANZ) Real-Time Notification API

ANZ's first-party Real-Time Notification API delivers instant alerts for transaction and account events so business customers can enhance real-time reconciliation. Documented on...

Australia and New Zealand Banking Group (ANZ) FX API

ANZ's first-party FX (Foreign Exchange) API to automate currency management and optimise foreign-exchange operations for business and institutional customers. Documented on the ...

Australia and New Zealand Banking Group (ANZ) ACMC (Accounts & Cash Management) API

ANZ's first-party ACMC (Accounts & Cash Management) API suite supports client-monies and cash-management use cases for institutional customers, enhancing financial management ac...

Australia and New Zealand Banking Group (ANZ) NPP Agency API

ANZ's first-party NPP Agency API set (Agency Core, Agency PayTo Payer, Agency PayTo Biller, and Agency Confirmation of Payee) provides core payment and account-management capabi...

Australia and New Zealand Banking Group (ANZ) Banking Account Balances API

Banking Account Balance endpoints

Australia and New Zealand Banking Group (ANZ) Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Australia and New Zealand Banking Group (ANZ) Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Australia and New Zealand Banking Group (ANZ) Banking Account Transactions API

Banking Account Transaction endpoints

Australia and New Zealand Banking Group (ANZ) Banking Accounts API

Banking Account endpoints

Australia and New Zealand Banking Group (ANZ) Banking Payees API

Banking Payee endpoints

Australia and New Zealand Banking Group (ANZ) Banking Products API

Banking Product endpoints

Scroll for all 16

Open Collections 7

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

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 7

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

List ANZ banking products (CDR Product Reference Data)

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Australia and New Zealand Banking Group (ANZ) API Rules

68 rules · 62 errors 5 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Anz Cds Banking Products Overlay

2 actions · update · anz-cds-banking-products-openapi.yml

DERIVED

Security Posture 3

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

Anz Authentication

none/oauth2/openIdConnect/mutualTLS · 4 schemes

SECURITY

Anz Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Anz Vulnerability Disclosure

Bugcrowd · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Anz Scopes

5 scopes · authorizationCode

5 scopes

SCOPES

Agentic Access 1

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

Anz Agentic Access

19 operations

19 operations · 0 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

APIReference

APIReference

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

Operate 3

Status, limits, changes, and where to get help

StatusPage

StatusPage

Deprecation

Deprecation

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: anz
url: https://raw.githubusercontent.com/api-evangelist/anz/refs/heads/main/apis.yml
name: Australia and New Zealand Banking Group (ANZ)
kind: company
description: Australia and New Zealand Banking Group Limited (ANZ) is one of Australia's "Big Four" banks, a publicly listed
  company (ASX and NZX code ANZ) headquartered in Melbourne that provides retail, commercial, and institutional banking across
  Australia, New Zealand, and internationally. ANZ is not a mutual or customer-owned institution; it is a shareholder-owned
  Authorised Deposit-taking Institution (ADI) regulated by APRA. As a designated data holder under Australia's Consumer Data
  Right (CDR / Open Banking), ANZ exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data
  Standards Body (DSB) Consumer Data Standards, and operates a separate CDR brand endpoint for ANZ Plus. Consumer data sharing
  beyond product reference data is gated behind the CDR accredited-data-recipient (ADR) model using OAuth2 / OpenID Connect
  FAPI security profiles.
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: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/anz.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.23'
apis:
- aid: anz:anz-payments-api
  name: Australia and New Zealand Banking Group (ANZ) Payments API
  tags:
  - Payments
  - New Payments Platform
  - Direct Entry
  - Business Banking
  - Institutional
  tags_raw:
  - Payments
  - NPP
  - Direct Entry
  - Business Banking
  - Institutional
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party Payments API suite on the ANZ Developer Portal, letting business and institutional customers
    automate and optimise payment workflows across domestic payment rails (NPP / direct entry). Access is partner-gated —
    customers onboard through the ANZ Developer Portal with OAuth 2.0 and API key management, and no public OpenAPI specification
    is published (partner-gated onboarding).
- aid: anz:anz-payto-api
  name: Australia and New Zealand Banking Group (ANZ) PayTo API
  tags:
  - Payments
  - PayTo
  - New Payments Platform
  - Real-Time Payments
  - Business Banking
  tags_raw:
  - Payments
  - PayTo
  - NPP
  - Real-Time Payments
  - Business Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party PayTo API (also available as a file channel) for real-time account-to-account payments and
    PayTo mandate management over the New Payments Platform (NPP). Documented on the ANZ Developer Portal; access is partner-gated
    for ANZ business customers with no publicly downloadable OpenAPI specification.
- aid: anz:anz-payid-check-api
  name: Australia and New Zealand Banking Group (ANZ) PayID Check API
  tags:
  - Payments
  - PayID
  - New Payments Platform
  - Validation
  - Business Banking
  tags_raw:
  - Payments
  - PayID
  - NPP
  - Validation
  - Business Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party PayID Check API to verify that a PayID is registered before initiating a payment or collection,
    streamlining NPP payment and collection workflows. Documented on the ANZ Developer Portal; access is partner-gated with
    no public OpenAPI specification published.
- aid: anz:anz-confirmation-of-payee-api
  name: Australia and New Zealand Banking Group (ANZ) Confirmation of Payee API
  tags:
  - Payments
  - Confirmation of Payee
  - Scam Prevention
  - Validation
  - Business Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party Confirmation of Payee API matches a recipient's account name against their BSB and account
    number to reduce mistaken and mistakenly-directed payments and help prevent scams before a payment is sent. Documented
    on the ANZ Developer Portal; access is partner-gated with no public OpenAPI specification.
- aid: anz:anz-account-statements-api
  name: Australia and New Zealand Banking Group (ANZ) Account Statements API
  tags:
  - Account Information
  - Statements
  - Reconciliation
  - Business Banking
  - Institutional
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party Account Statements API provides real-time and end-of-day account statements so business and
    institutional customers can monitor transactions and support reconciliation. Documented on the ANZ Developer Portal; access
    is partner-gated with no public OpenAPI specification published.
- aid: anz:anz-real-time-notification-api
  name: Australia and New Zealand Banking Group (ANZ) Real-Time Notification API
  tags:
  - Account Information
  - Notification
  - Webhook
  - Reconciliation
  - Business Banking
  tags_raw:
  - Account Information
  - Notifications
  - Webhooks
  - Reconciliation
  - Business Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party Real-Time Notification API delivers instant alerts for transaction and account events so
    business customers can enhance real-time reconciliation. Documented on the ANZ Developer Portal; access is partner-gated
    with no publicly downloadable OpenAPI specification.
- aid: anz:anz-fx-api
  name: Australia and New Zealand Banking Group (ANZ) FX API
  tags:
  - Foreign Exchange
  - Payments
  - Business Banking
  - Institutional
  tags_raw:
  - Foreign Exchange
  - FX
  - Payments
  - Business Banking
  - Institutional
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party FX (Foreign Exchange) API to automate currency management and optimise foreign-exchange operations
    for business and institutional customers. Documented on the ANZ Developer Portal; access is partner-gated with no public
    OpenAPI specification published.
- aid: anz:anz-acmc-api
  name: Australia and New Zealand Banking Group (ANZ) ACMC (Accounts & Cash Management) API
  tags:
  - Account Information
  - Cash Management
  - Client Monies
  - Business Banking
  - Institutional
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party ACMC (Accounts & Cash Management) API suite supports client-monies and cash-management use
    cases for institutional customers, enhancing financial management across accounts. Documented on the ANZ Developer Portal;
    access is partner-gated with no public OpenAPI specification published.
- aid: anz:anz-npp-agency-api
  name: Australia and New Zealand Banking Group (ANZ) NPP Agency API
  tags:
  - Payments
  - New Payments Platform
  - Agency
  - PayTo
  - Confirmation of Payee
  tags_raw:
  - Payments
  - NPP
  - Agency
  - PayTo
  - Confirmation of Payee
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.online.anz.com/
  baseURL: https://developer.online.anz.com/
  properties:
  - url: https://developer.online.anz.com/
    type: DeveloperPortal
  description: ANZ's first-party NPP Agency API set (Agency Core, Agency PayTo Payer, Agency PayTo Biller, and Agency Confirmation
    of Payee) provides core payment and account-management capabilities for New Payments Platform agency services. Documented
    on the ANZ Developer Portal; access is partner-gated with no public OpenAPI specification.
- aid: anz:anz-banking-account-balances-api
  name: Australia and New Zealand Banking Group (ANZ) Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://api.anz/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/anz-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.anz.com.au/support/legal/anz-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: anz:anz-banking-account-direct-debits-api
  name: Australia and New Zealand Banking Group (ANZ) Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://api.anz/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/anz-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.anz.com.au/support/legal/anz-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: anz:anz-banking-account-scheduled-payments-api
  name: Australia and New Zealand Banking Group (ANZ) Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://api.anz/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/anz-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.anz.com.au/support/legal/anz-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: anz:anz-banking-account-transactions-api
  name: Australia and New Zealand Banking Group (ANZ) Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://api.anz/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/anz-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.anz.com.au/support/legal/anz-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: anz:anz-banking-accounts-api
  name: Australia and New Zealand Banking Group (ANZ) Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://api.anz/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/anz-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.anz.com.au/support/legal/anz-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: anz:anz-banking-payees-api
  name: Australia and New Zealand Banking Group (ANZ) Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://api.anz/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/anz-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.anz.com.au/support/legal/anz-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: anz:anz-banking-products-api
  name: Australia and New Zealand Banking Group (ANZ) Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.anz.com.au/support/legal/anz-apis/
  baseURL: https://api.anz/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/anz-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.anz.com.au/support/legal/anz-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
common:
- type: CapabilityMap
  url: capabilities/anz-capability-edges.yml
  name: Australia and New Zealand Banking Group (ANZ) Business Capability Map
- type: AgenticAccess
  url: agentic-access/anz-agentic-access.yml
- type: DomainSecurity
  url: security/anz-domain-security.yml
- type: Authentication
  url: authentication/anz-authentication.yml
- type: OAuthScopes
  url: scopes/anz-scopes.yml
- type: Conventions
  url: conventions/anz-conventions.yml
- type: ErrorCatalog
  url: errors/anz-problem-types.yml
- type: Lifecycle
  url: lifecycle/anz-lifecycle.yml
- type: StatusPage
  url: https://api.anz/cds-au/v1/discovery/status
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Conformance
  url: conformance/anz-conformance.yml
- type: DataModel
  url: data-model/anz-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/anz-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/anz-llms.txt
- type: Overlay
  url: overlays/anz-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/anz-product-reference-data.md
- type: VulnerabilityDisclosure
  url: security/anz-vulnerability-disclosure.yml
- type: Security
  url: https://bugcrowd.com/anz-vdp
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/
- type: Support
  url: https://www.anz.com.au/security/
- type: Website
  url: https://www.anz.com.au/
- type: DeveloperPortal
  url: https://developer.online.anz.com/
- type: Documentation
  url: https://www.anz.com.au/support/legal/anz-apis/
- type: GitHubOrganization
  url: https://github.com/ANZ-Bank
- type: LinkedIn
  url: https://www.linkedin.com/company/anz
- type: PrivacyPolicy
  url: https://www.anz.com.au/privacy/
- type: TermsOfService
  url: https://www.anz.com.au/support/help/website-terms-use/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Australia and New Zealand Banking Group (ANZ) API — frequently asked questions

Does Australia and New Zealand Banking Group (ANZ) have an API?

Yes. APIs.io lists 16 APIs from Australia and New Zealand Banking Group (ANZ), including Australia and New Zealand Banking Group (ANZ) Payments API, Australia and New Zealand Banking Group (ANZ) PayTo API and Australia and New Zealand Banking Group (ANZ) PayID Check API, and 13 more.

Is there an OpenAPI specification for the Australia and New Zealand Banking Group (ANZ) API?

Yes. APIs.io indexes 7 OpenAPI specifications for Australia and New Zealand Banking Group (ANZ), each linked for download from this page.

How do I authenticate with the Australia and New Zealand Banking Group (ANZ) API?

Australia and New Zealand Banking Group (ANZ) uses bearer-token authentication (none/oauth2/openIdConnect/mutualTLS · 4 schemes). The details are profiled on APIs.io as Anz Authentication.

Is the Australia and New Zealand Banking Group (ANZ) API ready for AI agents?

Australia and New Zealand Banking Group (ANZ) has a Kin Score of 41.1 out of 100 (developing) and an Agent Readiness score of 25.5 (agent-aware), scored by API Evangelist on 2026-11-06.

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