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 publishes 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 Financial, Banks, Open Banking, CDR, and Consumer Banking.

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

🌐 Visit website 📡 Source on GitHub

38.2/100 thin ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessOpen

5 APIs 1 MCP Servers

FinancialBanksOpen BankingCDRConsumer BankingAustraliaProduct Reference DataADIWestpac Group

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 38.2/100 · thin

Contract Quality 9.4 / 25

Developer Ergonomics 7.0 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 2.4 / 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-of-melbourne: 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 5

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

MCP Servers 1

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

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

AgentSkill

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.
accessModel:
  pricing: unknown
  onboarding: open
  trial: false
  try_now: false
  public: true
  label: Open access
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bank-of-melbourne.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
- Westpac Group
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
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
  - 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
  - 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: MCPServer
  url: mcp/bank-of-melbourne-mcp.yml
- 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

Kin Score

APIs 5

Bank of Melbourne CDR Product Reference Data API

Bank of Melbourne CDR Accounts & Balances API

Bank of Melbourne CDR Transactions API

Bank of Melbourne CDR Direct Debits & Scheduled Payments API

Bank of Melbourne CDR Payees API

MCP Servers 1

bank-of-melbourne-mcp.yml

Security Posture 3

Bank Of Melbourne Authentication

Bank Of Melbourne Domain Security

Bank Of Melbourne Vulnerability Disclosure

Agentic Access 1

Bank Of Melbourne Agentic Access

Resources