Bank of Melbourne

Bank of Melbourne is a Victorian retail and business banking brand operated by Westpac Banking Corporation (ASX code WBC) as part of the Westpac Group. The original Bank of Melbourne was acquired by Westpac in 1997 and the brand was relaunched in 2011; today it operates under the St.George Bank banking authority within Westpac and is NOT a customer-owned mutual - it is a division of a publicly listed, APRA-regulated authorised deposit-taking institution (ADI). As an accredited Consumer Data Right (CDR) data holder, Bank of Melbourne exposes a public, unauthenticated Product Reference Data (PRD) API that conforms to the Australian Consumer Data Standards, confirmed live on shared Westpac Group infrastructure at digital-api.bankofmelbourne.com.au. Consumer data sharing runs through the regulated CDR / Accredited Data Recipient (ADR) model using OAuth2 / OpenID Connect (FAPI) authorization; the bank does not run a broader third-party developer portal.

Bank of Melbourne is listed with 5 APIs on the APIs.io network, including CDR Product Reference Data API, CDR Accounts & Balances API, CDR Transactions API, and 2 more. Tagged areas include Finance, Banks, Open Banking, CDR, and Consumer Banking.

Bank of Melbourne’s developer surface includes documentation, authentication, and 17 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

27.8/100 thin ▬ flat Agent 19/100 agent aware Front door AI 2/6 trace saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessOpen

5 APIs 1 Agent Skills

Finance Banks Open Banking CDR Consumer Banking Australia Product Reference Data ADIWestpac Group

Kin Score

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

Composite quality — 27.8/100 · thin

Contract Quality 4.5 / 19

Developer Ergonomics 4.6 / 15

Access Clarity 3.2 / 15

Operational Transparency 1.8 / 10

Contract Governance 0.4 / 9

Discoverability 5.9 / 8

Regulatory Posture 4.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 19/100 · 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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<a href="https://apis.io/providers/bank-of-melbourne/"><img src="https://apis.io/badge/bank-of-melbourne/card.svg" alt="Bank of Melbourne on APIs.io — Kin Score by API Evangelist"></a>

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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):

Contract Quality scores 24.0 — up to +19.0 composite points
Access Clarity scores 21.1 — up to +15.8 composite points
Developer Ergonomics scores 30.4 — up to +13.9 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-of-melbourne/apis.yml: open an issue on github.com/api-evangelist/bank-of-melbourne 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 1

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)

APIs 5

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

Bank of Melbourne CDR Product Reference Data API

PUBLIC, unauthenticated Consumer Data Right (CDR) Product Reference Data API exposing Bank of Melbourne's banking products (term deposits, credit and charge cards, personal loan...

Bank of Melbourne CDR Accounts & Balances API

CONSUMER-AUTHORIZED Consumer Data Right (CDR) Accounts & Balances surface of the shared DSB Banking API that Bank of Melbourne implements as an accredited CDR data holder on sha...

Bank of Melbourne CDR Transactions API

CONSUMER-AUTHORIZED Consumer Data Right (CDR) Transactions surface of the shared DSB Banking API implemented by Bank of Melbourne as an accredited CDR data holder. Access requir...

Bank of Melbourne CDR Direct Debits & Scheduled Payments API

CONSUMER-AUTHORIZED Consumer Data Right (CDR) Direct Debits and Scheduled Payments surface of the shared DSB Banking API implemented by Bank of Melbourne as an accredited CDR da...

Bank of Melbourne CDR Payees API

CONSUMER-AUTHORIZED Consumer Data Right (CDR) Payees surface of the shared DSB Banking API implemented by Bank of Melbourne as an accredited CDR data holder. Access requires an ...

Open Collections 1

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

CDR Banking API

OPEN COLLECTION

Agent Skills 1

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

Browse Bank of Melbourne banking products

AGENT SKILL

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 Of Melbourne Cds Banking Products Overlay

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

DERIVED

Security Posture 3

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

Bank Of Melbourne Authentication

0 schemes

SECURITY

Bank Of Melbourne Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Bank Of Melbourne Vulnerability Disclosure

no policy recorded

SECURITY

Agentic Access 1

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

Bank Of Melbourne Agentic Access

19 operations

19 operations · 0 acting

AGENTIC

Resources

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

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Access & Security 4

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Security

Security

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

Deprecation

Deprecation

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: bank-of-melbourne
url: https://raw.githubusercontent.com/api-evangelist/bank-of-melbourne/refs/heads/main/apis.yml
name: Bank of Melbourne
kind: company
description: Bank of Melbourne is a Victorian retail and business banking brand operated by Westpac Banking Corporation (ASX
  code WBC) as part of the Westpac Group. The original Bank of Melbourne was acquired by Westpac in 1997 and the brand was
  relaunched in 2011; today it operates under the St.George Bank banking authority within Westpac and is NOT a customer-owned
  mutual - it is a division of a publicly listed, APRA-regulated authorised deposit-taking institution (ADI). As an accredited
  Consumer Data Right (CDR) data holder, Bank of Melbourne exposes a public, unauthenticated Product Reference Data (PRD)
  API that conforms to the Australian Consumer Data Standards, confirmed live on shared Westpac Group infrastructure at digital-api.bankofmelbourne.com.au.
  Consumer data sharing runs through the regulated CDR / Accredited Data Recipient (ADR) model using OAuth2 / OpenID Connect
  (FAPI) authorization; the bank does not run a broader third-party developer portal.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: open
  trial: false
  try_now: false
  public: true
  gated: none
  gated_source:
  - onboarding
  label: Open access
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bank-of-melbourne.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
- Westpac Group
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
- Westpac Group
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.23'
apis:
- aid: bank-of-melbourne:bank-of-melbourne-cdr-product-reference-data-api
  name: Bank of Melbourne CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking
  - Australia
  - Public
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankofmelbourne.com.au/online-services/open-banking
  baseURL: https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products
  properties:
  - url: https://www.bankofmelbourne.com.au/online-services/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
    type: APIReference
  - url: openapi/bank-of-melbourne-cds-banking-products-openapi.yml
    type: OpenAPI
  description: PUBLIC, unauthenticated Consumer Data Right (CDR) Product Reference Data API exposing Bank of Melbourne's banking
    products (term deposits, credit and charge cards, personal loans, residential mortgages, business loans, leases) in machine-readable
    form under the Australian Consumer Data Standards. Confirmed live at https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products
    (HTTP 200, x-v 5) returning a data.products array (25 per page, meta.totalRecords 40 confirmed 2026-07-20); a request
    with x-v 3 is rejected 406 Unsupported Version. Endpoints - GET /banking/products and GET /banking/products/{productId}.
    No authorization required.
- aid: bank-of-melbourne:bank-of-melbourne-cdr-accounts-balances-api
  name: Bank of Melbourne CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Account
  - Balances
  - Banking
  - Australia
  - Authenticated
  tags_raw:
  - CDR
  - Open Banking
  - Accounts
  - Balances
  - Banking
  - Australia
  - Authenticated
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankofmelbourne.com.au/online-services/open-banking
  baseURL: https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.bankofmelbourne.com.au/online-services/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
    type: APIReference
  - url: openapi/bank-of-melbourne-cds-banking-products-openapi.yml
    type: OpenAPI
  description: CONSUMER-AUTHORIZED Consumer Data Right (CDR) Accounts & Balances surface of the shared DSB Banking API that
    Bank of Melbourne implements as an accredited CDR data holder on shared Westpac Group infrastructure. Access is only available
    to an Accredited Data Recipient (ADR) after the customer grants consent via the regulated CDR / OAuth2 + OpenID Connect
    (FAPI) authorization flow - it is NOT publicly callable. Covers GET /banking/accounts (list), GET /banking/accounts/balances
    (bulk balances), POST /banking/accounts/balances, GET /banking/accounts/{accountId}/balance, and GET /banking/accounts/{accountId}
    (account detail). Hosted under the confirmed CDR base https://digital-api.bankofmelbourne.com.au/cds-au/v1.
- aid: bank-of-melbourne:bank-of-melbourne-cdr-transactions-api
  name: Bank of Melbourne CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Transaction
  - Banking
  - Australia
  - Authenticated
  tags_raw:
  - CDR
  - Open Banking
  - Transactions
  - Banking
  - Australia
  - Authenticated
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankofmelbourne.com.au/online-services/open-banking
  baseURL: https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.bankofmelbourne.com.au/online-services/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
    type: APIReference
  - url: openapi/bank-of-melbourne-cds-banking-products-openapi.yml
    type: OpenAPI
  description: CONSUMER-AUTHORIZED Consumer Data Right (CDR) Transactions surface of the shared DSB Banking API implemented
    by Bank of Melbourne as an accredited CDR data holder. Access requires an Accredited Data Recipient (ADR) acting under
    an active customer consent obtained through the regulated CDR OAuth2 + OpenID Connect (FAPI) authorization flow - it is
    NOT publicly callable. Covers GET /banking/accounts/{accountId}/transactions (with filtering/pagination) and GET /banking/accounts/{accountId}/transactions/{transactionId}
    (transaction detail). Hosted under the confirmed CDR base https://digital-api.bankofmelbourne.com.au/cds-au/v1.
- aid: bank-of-melbourne:bank-of-melbourne-cdr-direct-debits-scheduled-payments-api
  name: Bank of Melbourne CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Banking
  - Australia
  - Authenticated
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankofmelbourne.com.au/online-services/open-banking
  baseURL: https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking
  properties:
  - url: https://www.bankofmelbourne.com.au/online-services/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
    type: APIReference
  - url: openapi/bank-of-melbourne-cds-banking-products-openapi.yml
    type: OpenAPI
  description: CONSUMER-AUTHORIZED Consumer Data Right (CDR) Direct Debits and Scheduled Payments surface of the shared DSB
    Banking API implemented by Bank of Melbourne as an accredited CDR data holder. Access requires an Accredited Data Recipient
    (ADR) operating under an active customer consent obtained through the regulated CDR OAuth2 + OpenID Connect (FAPI) authorization
    flow - it is NOT publicly callable. Covers GET /banking/accounts/{accountId}/direct-debits, POST /banking/accounts/direct-debits
    (bulk), GET /banking/accounts/{accountId}/payments/scheduled, POST /banking/payments/scheduled (bulk), GET /banking/accounts/{accountId}/payments/plans
    and POST /banking/accounts/payments/plans. Hosted under the confirmed CDR base https://digital-api.bankofmelbourne.com.au/cds-au/v1.
- aid: bank-of-melbourne:bank-of-melbourne-cdr-payees-api
  name: Bank of Melbourne CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Payees
  - Banking
  - Australia
  - Authenticated
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankofmelbourne.com.au/online-services/open-banking
  baseURL: https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/payees
  properties:
  - url: https://www.bankofmelbourne.com.au/online-services/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
    type: APIReference
  - url: openapi/bank-of-melbourne-cds-banking-products-openapi.yml
    type: OpenAPI
  description: CONSUMER-AUTHORIZED Consumer Data Right (CDR) Payees surface of the shared DSB Banking API implemented by Bank
    of Melbourne as an accredited CDR data holder. Access requires an Accredited Data Recipient (ADR) acting under an active
    customer consent obtained through the regulated CDR OAuth2 + OpenID Connect (FAPI) authorization flow - it is NOT publicly
    callable. Covers GET /banking/payees (list of saved payees) and GET /banking/payees/{payeeId} (payee detail). Hosted under
    the confirmed CDR base https://digital-api.bankofmelbourne.com.au/cds-au/v1.
common:
- type: AgenticAccess
  url: agentic-access/bank-of-melbourne-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/bank-of-melbourne-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/bank-of-melbourne-domain-security.yml
- type: Website
  url: https://www.bankofmelbourne.com.au/
- type: Documentation
  url: https://www.bankofmelbourne.com.au/online-services/open-banking
- type: TermsOfService
  url: https://www.bankofmelbourne.com.au/help/terms-conditions
- type: PrivacyPolicy
  url: https://www.bankofmelbourne.com.au/privacy/privacy-statement
- type: Security
  url: https://www.bankofmelbourne.com.au/online-services/security-centre
- type: Authentication
  url: authentication/bank-of-melbourne-authentication.yml
- type: Conventions
  url: conventions/bank-of-melbourne-conventions.yml
- type: ErrorCatalog
  url: errors/bank-of-melbourne-problem-types.yml
- type: Lifecycle
  url: lifecycle/bank-of-melbourne-lifecycle.yml
- type: Deprecation
  url: lifecycle/bank-of-melbourne-lifecycle.yml
- type: Conformance
  url: conformance/bank-of-melbourne-conformance.yml
- type: DataModel
  url: data-model/bank-of-melbourne-data-model.yml
- type: Overlay
  url: overlays/bank-of-melbourne-cds-banking-products-overlay.yaml
- type: X-MCPServerCandidate
  url: mcp/bank-of-melbourne-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: AgentSkill
  url: skills/bank-of-melbourne-browse-products.md
- type: LLMsTxt
  url: llms/bank-of-melbourne-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Bank of Melbourne API — frequently asked questions

Does Bank of Melbourne have an API?

Yes. APIs.io lists 5 APIs from Bank of Melbourne, including Bank of Melbourne CDR Product Reference Data API, Bank of Melbourne CDR Accounts & Balances API and Bank of Melbourne CDR Transactions API, and 2 more.

Is there an OpenAPI specification for the Bank of Melbourne API?

Yes. APIs.io indexes 5 OpenAPI specifications for Bank of Melbourne, each linked for download from this page.

How do I authenticate with the Bank of Melbourne API?

Bank of Melbourne uses bearer-token authentication (0 schemes). The details are profiled on APIs.io as Bank Of Melbourne Authentication.

Is the Bank of Melbourne API ready for AI agents?

Bank of Melbourne has a Kin Score of 27.8 out of 100 (thin) and an Agent Readiness score of 18.9 (agent-aware), scored by API Evangelist on 2026-11-06.

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