BNY Mellon

BNY Mellon is a global investments company providing asset servicing, asset management, wealth management, treasury services, and clearance and collateral management for institutions and individuals. The BNY Mellon Marketplace (marketplace.bnymellon.com) and developer portal (developer.bny.com) provide Treasury Services APIs for corporate clients to automate payments, account management, balance reporting, and funds transfers.

BNY Mellon publishes 5 APIs on the APIs.io network, including Accounts API, Balances API, Funds Transfers API, and 2 more. Tagged areas include Asset Servicing, Banking, Institutional Banking, Payments, and Treasury.

The BNY Mellon catalog on APIs.io includes 1 JSON-LD context and 3 Spectral governance rulesets.

BNY Mellon’s developer surface includes authentication, engineering blog, documentation, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub

36.7/100 thin ▬ flat Agent 28/100 agent aware Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessFreemiumSelf serve⚡ Free to try

1 APIs 8 Features 6 Use Cases

Asset Servicing Banking Institutional Banking Payments Treasury Wire Transfers Fortune 500

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 36.7/100 · thin

Contract Quality 11.5 / 19

Developer Ergonomics 3.6 / 15

Access Clarity 2.4 / 15

Operational Transparency 1.0 / 10

Contract Governance 2.6 / 9

Discoverability 5.1 / 8

Regulatory Posture 7.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 28/100 · 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 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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

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/.

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 github.com/api-evangelist/bank-of-new-york-mellon: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 5

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

BNY Mellon Accounts API

The Accounts API from BNY Mellon — 2 operation(s) for accounts.

BNY Mellon Balances API

The Balances API from BNY Mellon — 1 operation(s) for balances.

BNY Mellon Funds Transfers API

The Funds Transfers API from BNY Mellon — 2 operation(s) for funds transfers.

BNY Mellon Payments API

The Payments API from BNY Mellon — 2 operation(s) for payments.

BNY Mellon Transactions API

The Transactions API from BNY Mellon — 1 operation(s) for transactions.

Open Collections 7

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

API Collection

OPEN COLLECTION

BNY Mellon Treasury Services Accounts API

OPEN COLLECTION

BNY Mellon Treasury Services Accounts Balances API

OPEN COLLECTION

BNY Mellon Treasury Services Accounts Funds Transfers API

OPEN COLLECTION

BNY Mellon Treasury Services Accounts Payments API

OPEN COLLECTION

BNY Mellon Treasury Services Accounts Transactions API

OPEN COLLECTION

BNY Mellon Treasury Services API

OPEN COLLECTION

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Pricing Plans 1

Published pricing tiers and plan structures.

Bank Of New York Mellon Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Bank Of New York Mellon Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Bank Of New York Mellon Finops

FINOPS

Features 8

Notable capabilities this provider offers.

Account Management

Access institutional account details and metadata.

Balance Reporting

Real-time and intraday account balance queries.

Transaction History

Detailed transaction history with date range filtering.

Payment Initiation

Initiate wire, ACH, SWIFT, and CHIPS payments globally.

Funds Transfers

Internal account-to-account funds transfer management.

OAuth2 Security

Client credentials OAuth2 flow for secure API access.

Sandbox Environment

UAT sandbox for developer testing and integration validation.

Multi-Currency

Support for payments and balances across multiple currencies.

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Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Bny Mellon Context

0 classes · 54 properties

JSON-LD

Spectral Rules 3

Spectral governance rulesets for linting and validating these APIs.

BNY Mellon API Rules

5 rules · 3 warnings 2 info

SPECTRAL

BNY Mellon API Rules

11 rules · 1 errors 9 warnings 1 info

SPECTRAL

BNY Mellon API Rules

16 rules · 10 errors 6 warnings

SPECTRAL

JSON Schema 12

Standalone JSON Schema definitions for this provider's data models.

Account

7 properties

JSON SCHEMA

AccountListResponse

2 properties

JSON SCHEMA

Balance

7 properties

JSON SCHEMA

BalanceResponse

2 properties

JSON SCHEMA

ErrorResponse

4 properties

JSON SCHEMA

FundsTransferRequest

7 properties

JSON SCHEMA

FundsTransferResponse

9 properties

JSON SCHEMA

PaymentListResponse

2 properties

JSON SCHEMA

PaymentRequest

11 properties

JSON SCHEMA

PaymentResponse

9 properties

JSON SCHEMA

Transaction

10 properties

JSON SCHEMA

TransactionListResponse

3 properties

JSON SCHEMA

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JSON Structure 12

JSON Structure definitions describing this provider's data shapes.

Account Structure

0 properties

JSON STRUCTURE

Accountlistresponse Structure

0 properties

JSON STRUCTURE

Balance Structure

0 properties

JSON STRUCTURE

Balanceresponse Structure

0 properties

JSON STRUCTURE

Errorresponse Structure

0 properties

JSON STRUCTURE

Fundstransferrequest Structure

0 properties

JSON STRUCTURE

Fundstransferresponse Structure

0 properties

JSON STRUCTURE

Paymentlistresponse Structure

0 properties

JSON STRUCTURE

Paymentrequest Structure

0 properties

JSON STRUCTURE

Paymentresponse Structure

0 properties

JSON STRUCTURE

Transaction Structure

0 properties

JSON STRUCTURE

Transactionlistresponse Structure

0 properties

JSON STRUCTURE

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Examples 12

Example request and response payloads for these APIs.

Account Example

7 fields

EXAMPLE

Accountlistresponse Example

2 fields

EXAMPLE

Balance Example

7 fields

EXAMPLE

Balanceresponse Example

2 fields

EXAMPLE

Errorresponse Example

4 fields

EXAMPLE

Fundstransferrequest Example

7 fields

EXAMPLE

Fundstransferresponse Example

9 fields

EXAMPLE

Paymentlistresponse Example

2 fields

EXAMPLE

Paymentrequest Example

11 fields

EXAMPLE

Paymentresponse Example

9 fields

EXAMPLE

Transaction Example

10 fields

EXAMPLE

Transactionlistresponse Example

3 fields

EXAMPLE

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Security Posture 2

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

Bank Of New York Mellon Authentication

oauth2 · 1 scheme

SECURITY

Bank Of New York Mellon Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Bank Of New York Mellon Scopes

5 scopes · clientCredentials

5 scopes

SCOPES

Agentic Access 1

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

Bank Of New York Mellon Agentic Access

9 operations · 2 acting

AGENTIC

Use Cases 6

What developers build with this provider.

Treasury Automation

Automate daily cash positioning, balance queries, and payment workflows.

Payment Processing

Initiate global wire, ACH, and SWIFT payments programmatically.

Liquidity Management

Real-time account balance visibility for institutional liquidity decisions.

Reconciliation

Automated transaction downloads for reconciliation and reporting.

ERP Integration

Connect SAP, Oracle, and other ERP/TMS systems to BNY Mellon treasury APIs.

Custody Operations

Integrate treasury APIs into asset servicing and custody workflows.

Integrations 7

Pre-built integrations with other platforms and tools.

SAP

Oracle

Kyriba

FIS Quantum

ION Treasury

Workday

Reval

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Press 5

Recent news and press coverage referencing this provider.

BNY, America's Oldest Bank, Signs Multiyear Deal With ...

2026-05-25

BNY signs multiyear deal with OpenAI for AI tools

2026-05-25

BNY Mellon is all-in on digital

2026-05-25

BNY embraces role on small lenders' AI journey

2026-05-25

BNY Shares Jump 65% As AI Hiring Push Accelerates

2026-05-25

Resources

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

SpectralRules

SpectralRules

Vocabulary

Vocabulary

JSONLD

JSONLD

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Blog

Blog

LinkedIn

Website

Website

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: bank-of-new-york-mellon
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - url: https://www.bnymellon.com/
    status: 301
    note: declared website redirects to https://www.bny.com/corporate/global/en.html — a different registrable domain (bnymellon.com
      -> bny.com), possible rename or acquisition (probed 2026-09-03, roadmap#169)
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bank-of-new-york-mellon.png
url: https://raw.githubusercontent.com/api-evangelist/bank-of-new-york-mellon/refs/heads/main/apis.yml
name: BNY Mellon
tags:
- Asset Servicing
- Banking
- Institutional Banking
- Payments
- Treasury
- Wire Transfers
- Fortune 500
modified: '2026-05-19'
description: BNY Mellon is a global investments company providing asset servicing, asset management, wealth management, treasury
  services, and clearance and collateral management for institutions and individuals. The BNY Mellon Marketplace (marketplace.bnymellon.com)
  and developer portal (developer.bny.com) provide Treasury Services APIs for corporate clients to automate payments, account
  management, balance reporting, and funds transfers.
apis:
- aid: bank-of-new-york-mellon:bank-of-new-york-mellon-accounts-api
  name: BNY Mellon Accounts API
  description: The Accounts API from BNY Mellon — 2 operation(s) for accounts.
  humanURL: https://marketplace.bnymellon.com/treasury/api-central/
  baseURL: https://api.bnymellon.com/treasury/v4
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/bank-of-new-york-mellon-accounts-api-openapi.yml
  - type: Documentation
    url: https://marketplace.bnymellon.com/treasury/api-central/
  - type: Documentation
    url: https://developer.bny.com/app/
- aid: bank-of-new-york-mellon:bank-of-new-york-mellon-balances-api
  name: BNY Mellon Balances API
  description: The Balances API from BNY Mellon — 1 operation(s) for balances.
  humanURL: https://marketplace.bnymellon.com/treasury/api-central/
  baseURL: https://api.bnymellon.com/treasury/v4
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/bank-of-new-york-mellon-balances-api-openapi.yml
  - type: Documentation
    url: https://marketplace.bnymellon.com/treasury/api-central/
  - type: Documentation
    url: https://developer.bny.com/app/
- aid: bank-of-new-york-mellon:bank-of-new-york-mellon-funds-transfers-api
  name: BNY Mellon Funds Transfers API
  description: The Funds Transfers API from BNY Mellon — 2 operation(s) for funds transfers.
  humanURL: https://marketplace.bnymellon.com/treasury/api-central/
  baseURL: https://api.bnymellon.com/treasury/v4
  tags:
  - Funds Transfers
  properties:
  - type: OpenAPI
    url: openapi/bank-of-new-york-mellon-funds-transfers-api-openapi.yml
  - type: Documentation
    url: https://marketplace.bnymellon.com/treasury/api-central/
  - type: Documentation
    url: https://developer.bny.com/app/
- aid: bank-of-new-york-mellon:bank-of-new-york-mellon-payments-api
  name: BNY Mellon Payments API
  description: The Payments API from BNY Mellon — 2 operation(s) for payments.
  humanURL: https://marketplace.bnymellon.com/treasury/api-central/
  baseURL: https://api.bnymellon.com/treasury/v4
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/bank-of-new-york-mellon-payments-api-openapi.yml
  - type: Documentation
    url: https://marketplace.bnymellon.com/treasury/api-central/
  - type: Documentation
    url: https://developer.bny.com/app/
- aid: bank-of-new-york-mellon:bank-of-new-york-mellon-transactions-api
  name: BNY Mellon Transactions API
  description: The Transactions API from BNY Mellon — 1 operation(s) for transactions.
  humanURL: https://marketplace.bnymellon.com/treasury/api-central/
  baseURL: https://api.bnymellon.com/treasury/v4
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/bank-of-new-york-mellon-transactions-api-openapi.yml
  - type: Documentation
    url: https://marketplace.bnymellon.com/treasury/api-central/
  - type: Documentation
    url: https://developer.bny.com/app/
common:
- type: CapabilityMap
  url: capabilities/bank-of-new-york-mellon-capability-edges.yml
  name: BNY Mellon Business Capability Map
- type: AgenticAccess
  url: agentic-access/bank-of-new-york-mellon-agentic-access.yml
- type: DomainSecurity
  url: security/bank-of-new-york-mellon-domain-security.yml
- type: Authentication
  url: authentication/bank-of-new-york-mellon-authentication.yml
- type: OAuthScopes
  url: scopes/bank-of-new-york-mellon-scopes.yml
- url: https://www.bny.com/corporate/global/en/insights.html
  type: Blog
- type: GitHubOrganization
  url: https://github.com/BNYMellon
- type: LinkedIn
  url: https://www.linkedin.com/company/bny-mellon
- type: Website
  url: https://www.bnymellon.com/
  name: BNY Mellon
- type: Documentation
  url: https://marketplace.bnymellon.com/treasury/api-central/
  name: Treasury API Central
- type: Documentation
  url: https://developer.bny.com/app/
  name: BNY Developer Marketplace
- type: PrivacyPolicy
  url: https://www.bnymellon.com/us/en/disclaimers/privacy-notice.html
  name: Privacy Notice
- type: SpectralRules
  url: rules/bny-mellon-spectral-rules.yml
- type: Vocabulary
  url: vocabulary/bny-mellon-vocabulary.yaml
- type: JSONLD
  url: json-ld/bny-mellon-context.jsonld
- name: Features
  type: Features
  data:
  - name: Account Management
    description: Access institutional account details and metadata.
  - name: Balance Reporting
    description: Real-time and intraday account balance queries.
  - name: Transaction History
    description: Detailed transaction history with date range filtering.
  - name: Payment Initiation
    description: Initiate wire, ACH, SWIFT, and CHIPS payments globally.
  - name: Funds Transfers
    description: Internal account-to-account funds transfer management.
  - name: OAuth2 Security
    description: Client credentials OAuth2 flow for secure API access.
  - name: Sandbox Environment
    description: UAT sandbox for developer testing and integration validation.
  - name: Multi-Currency
    description: Support for payments and balances across multiple currencies.
- name: Use Cases
  type: UseCases
  data:
  - name: Treasury Automation
    description: Automate daily cash positioning, balance queries, and payment workflows.
  - name: Payment Processing
    description: Initiate global wire, ACH, and SWIFT payments programmatically.
  - name: Liquidity Management
    description: Real-time account balance visibility for institutional liquidity decisions.
  - name: Reconciliation
    description: Automated transaction downloads for reconciliation and reporting.
  - name: ERP Integration
    description: Connect SAP, Oracle, and other ERP/TMS systems to BNY Mellon treasury APIs.
  - name: Custody Operations
    description: Integrate treasury APIs into asset servicing and custody workflows.
- name: Integrations
  type: Integrations
  data:
  - name: SAP
  - name: Oracle
  - name: Kyriba
  - name: FIS Quantum
  - name: ION Treasury
  - name: Workday
  - name: Reval
created: '2024-01-01'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
specificationVersion: '0.23'
x-parent: bank-of-new-york
x-relationship: product

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