# Bank First

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

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.

## Kin Score — 48.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 48.1).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 49.4 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Banking & Open Finance**: 77.2 (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 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

## MCP servers (1)

- **Bank First MCP Server**

## Agentic access (1)

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

## Security (2)

- **Bank First Authentication** — none/oauth2/openIdConnect · 1 scheme
- **Bank First Domain Security** — TLSv1.3 · DMARC

## Tags

Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Mutual Bank, Product Reference Data

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