Bank First

Bank First is an Australian customer-owned mutual bank headquartered in Hawthorn East, Victoria. Founded in 1972 as VTU Credit Union by members of the Victorian Teachers Union and rebranded from Victoria Teachers Mutual Bank in December 2017, it is owned by its 90,000-plus members rather than external shareholders and serves the education and healthcare communities with savings, loans, and insurance. As an Authorised Deposit-taking Institution, Bank First is a data holder under Australia's Consumer Data Right (CDR / Open Banking) and exposes a public, unauthenticated Product Reference Data API built to the Data Standards Body Consumer Data Standards, alongside an accreditation-gated consumer data sharing surface for Accredited Data Recipients.

Bank First publishes 7 API contracts indexed 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 Finance, Banks, Open Banking, CDR, and Consumer Banking.

The Bank First catalog on APIs.io includes 1 Spectral governance ruleset.

Bank First’s developer surface includes documentation, support, getting-started guide, authentication, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

43.9/100 developing ▬ flat Agent 26/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 1 Agent Skills

Finance Banks Open Banking CDR Consumer Banking Australia Mutual Bank Product Reference Data

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Personal Finance & Consumer Money

AE-190

Banking Account BalancesBanking Account Direct DebitsBanking Account TransactionsBanking Accounts

GET /banking/accounts/balances GET /banking/accounts/{accountId}/transactions GET /banking/accounts/{accountId}/direct-debits GET /banking/accounts

Payments & Card Management

BC-1340

Banking Account Scheduled PaymentsBanking Payees

GET /banking/payments/scheduled GET /banking/payees

Banking Product Management

BC-1310

Banking Products

GET /banking/products

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 43.9/100 · developing

Contract Quality 8.4 / 19

Developer Ergonomics 8.5 / 15

Access Clarity 4.3 / 15

Operational Transparency 0.8 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 7.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 26/100 · agent aware

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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 28.9 — up to +14.2 composite points
Contract Quality scores 44.7 — up to +13.8 composite points
Operational Transparency scores 7.9 — up to +12.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/bank-first/apis.yml: open an issue on github.com/api-evangelist/bank-first to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Australia Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending)	regulated	19.2 (thin)	-	-
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	regulated	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

OpenID Connect

measured — observed by APIs.io (declared)

APIs 7

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

Bank First Banking Account Balances API

Banking Account Balance endpoints

Bank First Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Bank First Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Bank First Banking Account Transactions API

Banking Account Transaction endpoints

Bank First Banking Accounts API

Banking Account endpoints

Bank First Banking Payees API

Banking Payee endpoints

Bank First Banking Products API

Banking Product endpoints

Scroll for all 7

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

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 7

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

Look up Bank First banking products

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Bank First API Rules

68 rules · 62 errors 5 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Bank First Cds Banking Products Overlay

4 actions · update · bank-first-cds-banking-products-openapi.yml

DERIVED

Security Posture 2

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

Bank First Authentication

none/oauth2/openIdConnect · 1 scheme

SECURITY

Bank First Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Bank First Scopes

7 scopes

SCOPES

Agentic Access 1

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

Bank First Agentic Access

19 operations

19 operations · 0 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Access & Security 5

Authentication, authorization, and security posture

DomainSecurity

Compliance

Authentication

OAuthScopes

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

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

About

About

LinkedIn

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: bank-first
url: https://raw.githubusercontent.com/api-evangelist/bank-first/refs/heads/main/apis.yml
name: Bank First
kind: company
description: Bank First is an Australian customer-owned mutual bank headquartered in Hawthorn East, Victoria. Founded in 1972
  as VTU Credit Union by members of the Victorian Teachers Union and rebranded from Victoria Teachers Mutual Bank in December
  2017, it is owned by its 90,000-plus members rather than external shareholders and serves the education and healthcare communities
  with savings, loans, and insurance. As an Authorised Deposit-taking Institution, Bank First is a data holder under Australia's
  Consumer Data Right (CDR / Open Banking) and exposes a public, unauthenticated Product Reference Data API built to the Data
  Standards Body Consumer Data Standards, alongside an accreditation-gated consumer data sharing surface for Accredited Data
  Recipients.
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: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bank-first.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.23'
apis:
- aid: bank-first:bank-first-banking-account-balances-api
  name: Bank First Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.bankfirst.com.au/open-banking
  baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/bank-first-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.bankfirst.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
- aid: bank-first:bank-first-banking-account-direct-debits-api
  name: Bank First Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.bankfirst.com.au/open-banking
  baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/bank-first-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.bankfirst.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
- aid: bank-first:bank-first-banking-account-scheduled-payments-api
  name: Bank First Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.bankfirst.com.au/open-banking
  baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/bank-first-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.bankfirst.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
- aid: bank-first:bank-first-banking-account-transactions-api
  name: Bank First Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.bankfirst.com.au/open-banking
  baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/bank-first-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.bankfirst.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
- aid: bank-first:bank-first-banking-accounts-api
  name: Bank First Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.bankfirst.com.au/open-banking
  baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/bank-first-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.bankfirst.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
- aid: bank-first:bank-first-banking-payees-api
  name: Bank First Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.bankfirst.com.au/open-banking
  baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/bank-first-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.bankfirst.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
- aid: bank-first:bank-first-banking-products-api
  name: Bank First Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.bankfirst.com.au/open-banking
  baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/bank-first-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.bankfirst.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
common:
- type: CapabilityMap
  url: capabilities/bank-first-capability-edges.yml
  name: Bank First Business Capability Map
- type: AgenticAccess
  url: agentic-access/bank-first-agentic-access.yml
- type: DomainSecurity
  url: security/bank-first-domain-security.yml
- type: Website
  url: https://www.bankfirst.com.au/
- type: About
  url: https://www.bankfirst.com.au/about-us
- type: DeveloperPortal
  url: https://www.bankfirst.com.au/open-banking
- type: Documentation
  url: https://consumerdatastandardsaustralia.github.io/standards/
- type: PrivacyPolicy
  url: https://www.bankfirst.com.au/privacy-policy
- type: TermsOfService
  url: https://www.bankfirst.com.au/disclosure-documents
- type: Support
  url: https://www.bankfirst.com.au/contact-us
- type: GettingStarted
  url: https://www.bankfirst.com.au/open-banking
- type: Compliance
  url: https://www.bankfirst.com.au/cdr-policy
- type: LinkedIn
  url: https://www.linkedin.com/company/bank-first
- type: Authentication
  url: authentication/bank-first-authentication.yml
- type: OAuthScopes
  url: scopes/bank-first-scopes.yml
- type: Conventions
  url: conventions/bank-first-conventions.yml
- type: ErrorCatalog
  url: errors/bank-first-problem-types.yml
- type: Lifecycle
  url: lifecycle/bank-first-lifecycle.yml
- type: Deprecation
  url: lifecycle/bank-first-lifecycle.yml
- type: Conformance
  url: conformance/bank-first-conformance.yml
- type: DomainSecurity
  url: security/bank-first-domain-security.yml
- type: DataModel
  url: data-model/bank-first-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/bank-first-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: LLMsTxt
  url: llms/bank-first-llms.txt
- type: Overlay
  url: overlays/bank-first-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Bank First API — frequently asked questions

Does Bank First have an API?

Yes. APIs.io lists 7 APIs from Bank First, including Bank First Banking Account Balances API, Bank First Banking Account Direct Debits API and Bank First Banking Account Scheduled Payments API, and 4 more.

Is there an OpenAPI specification for the Bank First API?

Yes. APIs.io indexes 7 OpenAPI specifications for Bank First, each linked for download from this page.

How do I authenticate with the Bank First API?

Bank First uses bearer-token authentication (none/oauth2/openIdConnect · 1 scheme). The details are profiled on APIs.io as Bank First Authentication.

Is the Bank First API ready for AI agents?

Bank First has a Kin Score of 43.9 out of 100 (developing) and an Agent Readiness score of 25.5 (agent-aware), scored by API Evangelist on 2026-11-06.

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