# Australia and New Zealand Banking Group (ANZ) **Canonical:** https://apis.io/providers/anz/ **Website:** https://www.anz.com.au/ **APIs profiled:** 16 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. ## Kin Score — 46.9 / 100 (developing) Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 46.9). | Facet | Score | |---|---| | Discoverability | 81.5 | | Contract Quality | 51.0 | | Governance | 16.7 | | Contract Governance | 16.7 | | Operational Transparency | 28.9 | | Developer Ergonomics | 44.6 | | Commercial Clarity | 21.1 | | Access Clarity | 21.1 | Regulatory layer — **Banking & Open Finance**: 78.5 (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 (16) - **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 ## MCP servers (1) - **Australia and New Zealand Banking Group (ANZ) MCP Server** ## Agentic access (1) - **Anz Agentic Access** — 19 operations · 3 acting ## Security (3) - **Anz Authentication** — none/oauth2/openIdConnect/mutualTLS · 4 schemes - **Anz Domain Security** — TLSv1.3 · DNSSEC · DMARC - **Anz Vulnerability Disclosure** — Bugcrowd · contact published ## Tags Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Product Reference Data, ADI --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/anz/). Scores are computed from the provider's own public artifacts under a published rubric.