# Bank Australia

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

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.

## Kin Score — 41.0 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 41.0).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 39.9 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 39.2 (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 (7)

- **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

## MCP servers (1)

- **Bank Australia MCP Server**

## Agentic access (1)

- **Bank Australia Agentic Access** — 19 operations · 3 acting

## Security (2)

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

## Tags

Financial, Banks, Open Banking, CDR, Consumer Data Right, Consumer Banking, Australia, Mutual Bank

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