# Avenue Bank

**Canonical:** https://apis.io/providers/avenue-bank/  
**Website:** https://www.avenuebank.com.au/  
**APIs profiled:** 7

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.

## Kin Score — 20.5 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 20.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 12.8 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 13.7 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 60.8 (matched via tags).

## Agent readiness — 40.4 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | yes |
| 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)

- **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

## MCP servers (1)

- **Avenue Bank MCP Server**

## Agentic access (1)

- **Avenue Bank Agentic Access** — 19 operations

## Security (2)

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

## Tags

Financial, Banks, Open Banking, CDR, Consumer Data Right, Consumer Banking, Business Banking, Bank Guarantees, Australia, ADI

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