Bank Australia website screenshot

Bank Australia

Bank Australia is a customer-owned (mutual) bank headquartered in Collingwood, Victoria, tracing its origins to the 1957 CSIRO Co-operative Credit Society and formed through the merger of more than 70 credit unions and co-operatives (via mecu and bankmecu) before adopting the Bank Australia name in 2015. As an APRA-regulated authorised deposit-taking institution (ADI) and a certified B Corporation, it is owned by its customers rather than shareholders and is known for responsible, fossil-fuel-free lending. Under Australia's Consumer Data Right (CDR / Open Banking), Bank Australia operates as a data holder: it exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards, and offers accredited-recipient consumer data sharing to eligible customers through its app and internet banking.

Bank Australia 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.

Bank Australia’s developer surface includes documentation, engineering blog, support, authentication, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub
42.8/100 thin ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer Data RightConsumer BankingAustraliaMutual Bank

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 42.8/100 · thin
Contract Quality 13.5 / 25
Developer Ergonomics 10.0 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 3.1 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 65/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/bank-australia: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 7

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

Bank Australia Banking Account Balances API

Banking Account Balance endpoints

Bank Australia Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Bank Australia Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Bank Australia Banking Account Transactions API

Banking Account Transaction endpoints

Bank Australia Banking Accounts API

Banking Account endpoints

Bank Australia Banking Payees API

Banking Payee endpoints

Bank Australia Banking Products API

Banking Product endpoints

Scroll for all 7

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

bank-australia-mcp.yml

MCP SERVER

Security Posture 2

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

Bank Australia Authentication

none/oauth2/openIdConnect · 2 schemes

SECURITY

Bank Australia Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

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

Bank Australia Agentic Access

19 operations · 3 acting

19 operations · 3 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 DataModel
DataModel

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 3

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage
 Deprecation
Deprecation

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy
 TermsOfService
TermsOfService

Company 3

The organization behind the API

Website
Website
 LinkedIn
LinkedIn
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: bank-australia
url: https://raw.githubusercontent.com/api-evangelist/bank-australia/refs/heads/main/apis.yml
name: Bank Australia
kind: company
description: 'Bank Australia is a customer-owned (mutual) bank headquartered in Collingwood, Victoria, tracing its origins
  to the 1957 CSIRO Co-operative Credit Society and formed through the merger of more than 70 credit unions and co-operatives
  (via mecu and bankmecu) before adopting the Bank Australia name in 2015. As an APRA-regulated authorised deposit-taking
  institution (ADI) and a certified B Corporation, it is owned by its customers rather than shareholders and is known for
  responsible, fossil-fuel-free lending. Under Australia''s Consumer Data Right (CDR / Open Banking), Bank Australia operates
  as a data holder: it exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards
  Body (DSB) Consumer Data Standards, and offers accredited-recipient consumer data sharing to eligible customers through
  its app and internet banking.'
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/bank-australia.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Mutual Bank
created: '2026-07-20'
modified: '2026-07-21T12:30:00Z'
specificationVersion: '0.19'
apis:
- aid: bank-australia:bank-australia-banking-account-balances-api
  name: Bank Australia Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.bankaust.com.au/support/open-banking/developer/
  baseURL: https://public.cdr.bankaust.com.au/cds-au/v1
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/bank-australia-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.bankaust.com.au/support/open-banking/developer/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: bank-australia:bank-australia-banking-account-direct-debits-api
  name: Bank Australia Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.bankaust.com.au/support/open-banking/developer/
  baseURL: https://public.cdr.bankaust.com.au/cds-au/v1
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/bank-australia-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.bankaust.com.au/support/open-banking/developer/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: bank-australia:bank-australia-banking-account-scheduled-payments-api
  name: Bank Australia Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.bankaust.com.au/support/open-banking/developer/
  baseURL: https://public.cdr.bankaust.com.au/cds-au/v1
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/bank-australia-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.bankaust.com.au/support/open-banking/developer/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: bank-australia:bank-australia-banking-account-transactions-api
  name: Bank Australia Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.bankaust.com.au/support/open-banking/developer/
  baseURL: https://public.cdr.bankaust.com.au/cds-au/v1
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/bank-australia-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.bankaust.com.au/support/open-banking/developer/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: bank-australia:bank-australia-banking-accounts-api
  name: Bank Australia Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.bankaust.com.au/support/open-banking/developer/
  baseURL: https://public.cdr.bankaust.com.au/cds-au/v1
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/bank-australia-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.bankaust.com.au/support/open-banking/developer/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: bank-australia:bank-australia-banking-payees-api
  name: Bank Australia Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.bankaust.com.au/support/open-banking/developer/
  baseURL: https://public.cdr.bankaust.com.au/cds-au/v1
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/bank-australia-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.bankaust.com.au/support/open-banking/developer/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: bank-australia:bank-australia-banking-products-api
  name: Bank Australia Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.bankaust.com.au/support/open-banking/developer/
  baseURL: https://public.cdr.bankaust.com.au/cds-au/v1
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/bank-australia-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.bankaust.com.au/support/open-banking/developer/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
common:
- type: AgenticAccess
  url: agentic-access/bank-australia-agentic-access.yml
- type: DomainSecurity
  url: security/bank-australia-domain-security.yml
- type: Website
  url: https://www.bankaust.com.au/
- type: DeveloperPortal
  url: https://www.bankaust.com.au/support/open-banking/developer/
- type: Documentation
  url: https://www.bankaust.com.au/support/open-banking
- type: LinkedIn
  url: https://au.linkedin.com/company/bankaust
- type: Blog
  url: https://www.bankaust.com.au/blog
- type: PrivacyPolicy
  url: https://www.bankaust.com.au/support/website-security-and-privacy-statement
- type: TermsOfService
  url: https://www.bankaust.com.au/support/disclosures
- type: Support
  url: https://www.bankaust.com.au/support
- type: StatusPage
  url: https://www.bankaust.com.au/status
- type: Authentication
  url: authentication/bank-australia-authentication.yml
- type: Conventions
  url: conventions/bank-australia-conventions.yml
- type: Conformance
  url: conformance/bank-australia-conformance.yml
- type: ErrorCatalog
  url: errors/bank-australia-problem-types.yml
- type: Lifecycle
  url: lifecycle/bank-australia-lifecycle.yml
- type: Deprecation
  url: lifecycle/bank-australia-lifecycle.yml
- type: MCPServer
  url: mcp/bank-australia-mcp.yml
- type: LLMsTxt
  url: llms/bank-australia-llms.txt
- type: AgentSkill
  url: skills/bank-australia-lookup-banking-products.md
- type: DataModel
  url: data-model/bank-australia-data-model.yml
- type: Overlay
  url: overlays/bank-australia-cds-banking-overlay.yaml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com