# Bank of Melbourne

**Canonical:** https://apis.io/providers/bank-of-melbourne/  
**Website:** https://www.bankofmelbourne.com.au/  
**APIs profiled:** 5

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.

## Kin Score — 31.0 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 31.0).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 28.2 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 23.2 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 48.1 (matched via tags).

## Agent readiness — 30.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| 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

Open access — onboarding: open, pricing: unknown, trial: no (confidence: medium).

## APIs (5)

- **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 ...

## MCP servers (1)

- **Bank of Melbourne MCP Server**

## Agentic access (1)

- **Bank Of Melbourne Agentic Access** — 19 operations · 3 acting

## Security (3)

- **Bank Of Melbourne Authentication** — 0 schemes
- **Bank Of Melbourne Domain Security** — TLSv1.3 · HSTS · DMARC
- **Bank Of Melbourne Vulnerability Disclosure** — disclosure policy published

## Tags

Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Product Reference Data, ADI, Westpac Group

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