Avenue Bank

Avenue Bank Ltd (ABN 24 628 073 085, AFSL 520239) is an Australian Authorised Deposit-taking Institution (ADI) regulated by APRA, holding a full (unrestricted) banking licence granted in 2024 after operating as a Restricted ADI from 2021. Founded by Dale Hurley and Colin Porter (co-founders of CreditorWatch) and majority-backed by Sherman Ma's Liberty Financial Group as its largest strategic shareholder, Avenue is a digital business bank that is the first and only Australian bank specialising exclusively in bank guarantees for SMEs, alongside term deposits. As an ADI, Avenue is a designated data holder class under Australia's Consumer Data Right (CDR / Open Banking) and is therefore subject to the shared Data Standards Body (DSB) Consumer Data Standards Banking API surface (Get Products through Get Payees) that every ADI data holder implements verbatim under the /cds-au/v1 path. Avenue holds a permanent ACCC exemption (granted 6 June 2025, s56GD) covering the term-deposit aspect of its bank guarantee product, publishes no first-party developer portal, and a probe of its API host on 2026-07-21 returned HTTP 403 (WAF) rather than a CDS-conformant payload, so its live CDR data-holder surface is documented here against the standard but recorded as unverified.

Avenue 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.

Avenue Bank’s developer surface includes engineering blog, support, signup flow, authentication, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub

21.1/100 emerging ▬ flat Agent 29/100 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 Business BankingBank GuaranteesAustralia ADI

Kin Score

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

Composite quality — 21.1/100 · emerging

Contract Quality 2.3 / 19

Developer Ergonomics 4.6 / 15

Access Clarity 0.0 / 15

Operational Transparency 0.0 / 10

Contract Governance 0.4 / 9

Discoverability 5.7 / 8

Regulatory Posture 9.1 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 29/100 · 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 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 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/avenue-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.

Avenue Bank Banking Account Balances API

Banking Account Balance endpoints

Avenue Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Avenue Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Avenue Bank Banking Account Transactions API

Banking Account Transaction endpoints

Avenue Bank Banking Accounts API

Banking Account endpoints

Avenue Bank Banking Payees API

Banking Payee endpoints

Avenue 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

Security Posture 2

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

Avenue Bank Authentication

none/oauth2/openIdConnect/mutualTLS · 2 schemes

SECURITY

Avenue Bank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Avenue Bank Scopes

5 scopes · authorizationCode

5 scopes

SCOPES

Agentic Access 1

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

Avenue Bank Agentic Access

19 operations

19 operations · 0 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Conformance

Lifecycle

DataModel

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: avenue-bank
url: https://raw.githubusercontent.com/api-evangelist/avenue-bank/refs/heads/main/apis.yml
name: Avenue Bank
kind: company
description: Avenue Bank Ltd (ABN 24 628 073 085, AFSL 520239) is an Australian Authorised Deposit-taking Institution (ADI)
  regulated by APRA, holding a full (unrestricted) banking licence granted in 2024 after operating as a Restricted ADI from
  2021. Founded by Dale Hurley and Colin Porter (co-founders of CreditorWatch) and majority-backed by Sherman Ma's Liberty
  Financial Group as its largest strategic shareholder, Avenue is a digital business bank that is the first and only Australian
  bank specialising exclusively in bank guarantees for SMEs, alongside term deposits. As an ADI, Avenue is a designated data
  holder class under Australia's Consumer Data Right (CDR / Open Banking) and is therefore subject to the shared Data Standards
  Body (DSB) Consumer Data Standards Banking API surface (Get Products through Get Payees) that every ADI data holder implements
  verbatim under the /cds-au/v1 path. Avenue holds a permanent ACCC exemption (granted 6 June 2025, s56GD) covering the term-deposit
  aspect of its bank guarantee product, publishes no first-party developer portal, and a probe of its API host on 2026-07-21
  returned HTTP 403 (WAF) rather than a CDS-conformant payload, so its live CDR data-holder surface is documented here against
  the standard but recorded as unverified.
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/avenue-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Business Banking
- Bank Guarantees
- Australia
- ADI
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.23'
apis:
- aid: avenue-bank:avenue-bank-banking-account-balances-api
  name: Avenue Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  baseURL: https://api.avenuebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/avenue-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: avenue-bank:avenue-bank-banking-account-direct-debits-api
  name: Avenue Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  baseURL: https://api.avenuebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/avenue-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: avenue-bank:avenue-bank-banking-account-scheduled-payments-api
  name: Avenue Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  baseURL: https://api.avenuebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/avenue-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: avenue-bank:avenue-bank-banking-account-transactions-api
  name: Avenue Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  baseURL: https://api.avenuebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/avenue-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: avenue-bank:avenue-bank-banking-accounts-api
  name: Avenue Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  baseURL: https://api.avenuebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/avenue-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: avenue-bank:avenue-bank-banking-payees-api
  name: Avenue Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  baseURL: https://api.avenuebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/avenue-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: avenue-bank:avenue-bank-banking-products-api
  name: Avenue Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  baseURL: https://api.avenuebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/avenue-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
common:
- type: AgenticAccess
  url: agentic-access/avenue-bank-agentic-access.yml
- type: DomainSecurity
  url: security/avenue-bank-domain-security.yml
- type: Website
  url: https://www.avenuebank.com.au/
- type: Blog
  url: https://www.avenuebank.com.au/news/
- type: Support
  url: https://www.avenuebank.com.au/help/
- type: PrivacyPolicy
  url: https://www.avenuebank.com.au/privacy
- type: TermsOfService
  url: https://www.avenuebank.com.au/legal/
- type: LinkedIn
  url: https://au.linkedin.com/company/avenuebank
- type: SignUp
  url: https://application.avenuebank.com.au
- type: LLMsTxt
  url: llms/avenue-bank-llms.txt
- type: Authentication
  url: authentication/avenue-bank-authentication.yml
- type: OAuthScopes
  url: scopes/avenue-bank-scopes.yml
- type: Conventions
  url: conventions/avenue-bank-conventions.yml
- type: ErrorCatalog
  url: errors/avenue-bank-problem-types.yml
- type: Conformance
  url: conformance/avenue-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/avenue-bank-lifecycle.yml
- type: DataModel
  url: data-model/avenue-bank-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/avenue-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: Overlay
  url: overlays/avenue-bank-cds-banking-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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