Bank First website screenshot

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 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 Banking.

Bank First’s developer surface includes documentation, support, getting-started guide, authentication, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
49.2/100 developing ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer BankingAustraliaMutual BankProduct Reference Data

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 49.2/100 · developing
Contract Quality 14.0 / 25
Developer Ergonomics 11.7 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 1.0 / 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-first: 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 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

MCP Servers 1

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

bank-first-mcp.yml

MCP SERVER

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

7 scopes

SCOPES

Agentic Access 1

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

Bank First Agentic Access

19 operations · 3 acting

19 operations · 3 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
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel

Access & Security 5

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Compliance
Compliance
 Authentication
Authentication
 OAuthScopes
OAuthScopes
 DomainSecurity
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
LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
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.
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-first.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
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: 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: MCPServer
  url: mcp/bank-first-mcp.yml
- 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