Bank of Queensland

Bank of Queensland Limited (ASX code BOQ) is one of Australia's oldest banks, founded in Brisbane in 1874, and today an APRA-regulated authorised deposit-taking institution (ADI) and ASX-listed regional retail and commercial bank - a publicly listed company, not a customer-owned mutual. Its banking group includes the ME Bank, Virgin Money Australia and BOQ Specialist brands. As an accredited Consumer Data Right (CDR) data holder, BOQ exposes a public, unauthenticated Product Reference Data (PRD) API that conforms to the Australian Consumer Data Standards, while consumer data sharing runs through the regulated CDR / Accredited Data Recipient (ADR) model with OAuth2 / OIDC (FAPI) authorization.

Bank of Queensland publishes 7 API contracts indexed on the APIs.io network, including Banking Account Balances API, Banking Account Direct Debits API, Banking Account Scheduled Payments API, and 4 more. Tagged areas include Finance, Banks, Open Banking, CDR, and Consumer Banking.

The Bank of Queensland catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Bank of Queensland’s developer surface includes getting-started guide, engineering blog, authentication, documentation, support, and 26 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

46.9/100 developing ▼ -5.2 Agent 28/100 agent aware Front door AI 1/6 silent Heartbeat 39/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 2 Agent Skills

Finance Banks Open Banking CDR Consumer Banking Australia Product Reference Data ADI

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Personal Finance & Consumer Money

AE-190

Banking Account BalancesBanking Account Direct DebitsBanking Account TransactionsBanking AccountsBanking Payees

GET /banking/accounts/balances GET /banking/accounts/{accountId}/transactions GET /banking/accounts/{accountId}/transactions/{transactionId} GET /banking/accounts/direct-debits

Banking Product Management

BC-1310

Banking Products

GET /banking/products

Payments & Card Management

BC-1340

Banking Account Scheduled Payments

GET /banking/payments/scheduled

Kin Score

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

Composite quality — 46.9/100 · developing

Contract Quality 10.9 / 19

Developer Ergonomics 5.4 / 15

Access Clarity 4.5 / 15

Operational Transparency 3.9 / 10

Contract Governance 3.2 / 9

Discoverability 4.8 / 8

Regulatory Posture 7.0 / 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 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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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
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
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 30.3 — up to +13.9 composite points
Developer Ergonomics scores 36.3 — up to +12.7 composite points
Contract Quality scores 58.3 — up to +10.4 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-queensland/apis.yml: open an issue on github.com/api-evangelist/bank-of-queensland 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	57.5	-	-
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	regulated	57.5	-	-

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 4

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)

OAuth 2.0

measured — observed by APIs.io (declared)

OpenID Connect

measured — observed by APIs.io (declared)

Mutual TLS

measured — observed by APIs.io (declared)

APIs 7

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

Bank of Queensland Banking Account Balances API

Banking Account Balance endpoints

Bank of Queensland Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Bank of Queensland Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Bank of Queensland Banking Account Transactions API

Banking Account Transaction endpoints

Bank of Queensland Banking Accounts API

Banking Account endpoints

Bank of Queensland Banking Payees API

Banking Payee endpoints

Bank of Queensland Banking Products API

Banking Product endpoints

OPEN COLLECTION

Scroll for all 7

Agent Skills 2

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

bank-of-queensland-cdr-account-data

AGENT SKILL

bank-of-queensland-product-reference

AGENT SKILL

Bank of Queensland API pricing

Rate limits

Customer Present per customer: 10 TPS per customer
Customer Present per Data Recipient Software Product: 50 TPS per Data Recipient Software Product
Unattended sessions (low traffic periods): 20 sessions per day, per customer, per Data Recipient Software Product

All 6 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Bank Of Queensland Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Bank Of Queensland Rate Limits

6 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Bank of Queensland

SLA

Semantic Vocabularies 1

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

Bank Of Queensland Context

95 classes · 280 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Bank of Queensland API Rules

17 rules · 15 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 8

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 Queensland Banking Account Balances Api Overlay

TLSv1.2 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Bank Of Queensland Scopes

9 scopes

SCOPES

Agentic Access 1

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

Bank Of Queensland Agentic Access

19 operations

19 operations · 0 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Conventions

ErrorCatalog

Conformance

Lifecycle

DataModel

Scroll for all 8

Build 1

SDKs, sample code, and the tooling you integrate with

IntegrationEdges

IntegrationEdges

Access & Security 4

Authentication, authorization, and security posture

OAuthScopes

DomainSecurity

Authentication

Compliance

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

Deprecation

Deprecation

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Blog

Blog

Website

Website

LinkedIn

Other 4

Properties that don't map to a standard resource type

Overlay

Hosts

Vendors

CapabilityMap

Source (apis.yml)

aid: bank-of-queensland
url: https://raw.githubusercontent.com/api-evangelist/bank-of-queensland/refs/heads/main/apis.yml
name: Bank of Queensland
kind: company
description: Bank of Queensland Limited (ASX code BOQ) is one of Australia's oldest banks, founded in Brisbane in 1874, and
  today an APRA-regulated authorised deposit-taking institution (ADI) and ASX-listed regional retail and commercial bank -
  a publicly listed company, not a customer-owned mutual. Its banking group includes the ME Bank, Virgin Money Australia and
  BOQ Specialist brands. As an accredited Consumer Data Right (CDR) data holder, BOQ exposes a public, unauthenticated Product
  Reference Data (PRD) API that conforms to the Australian Consumer Data Standards, while consumer data sharing runs through
  the regulated CDR / Accredited Data Recipient (ADR) model with OAuth2 / OIDC (FAPI) authorization.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: covered
  source:
  - authentication
  - scopes
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bank-of-queensland.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
created: '2026-07-20'
modified: '2026-10-20'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: RateLimits
  url: rate-limits/bank-of-queensland-rate-limits.yml
- type: Spectral
  url: rules/bank-of-queensland-rules.yml
- type: JSONLD
  url: json-ld/bank-of-queensland-context.jsonld
- type: Vocabulary
  url: vocabulary/bank-of-queensland-vocabulary.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Overlay
  url: overlays/bank-of-queensland-banking-account-balances-api-overlay.yaml
- type: Hosts
  url: hosts/bank-of-queensland-hosts.yml
- type: IntegrationEdges
  url: integrations/bank-of-queensland-integration-edges.yml
- type: Vendors
  url: vendors/bank-of-queensland-vendors.yml
- type: Login
  url: https://internetbanking.boq.com.au/login
- type: GettingStarted
  url: https://www.boq.com.au/personal/help-and-support/business/getting-started-business
- url: https://www.boq.com.au/blog/
  type: Blog
- type: CapabilityMap
  url: capabilities/bank-of-queensland-capability-edges.yml
  name: Bank of Queensland Business Capability Map
- type: AgenticAccess
  url: agentic-access/bank-of-queensland-agentic-access.yml
- type: OAuthScopes
  url: scopes/bank-of-queensland-scopes.yml
- type: DomainSecurity
  url: security/bank-of-queensland-domain-security.yml
- type: Authentication
  url: authentication/bank-of-queensland-authentication.yml
- type: Conventions
  url: conventions/bank-of-queensland-conventions.yml
- type: ErrorCatalog
  url: errors/bank-of-queensland-problem-types.yml
- type: Conformance
  url: conformance/bank-of-queensland-conformance.yml
- type: Compliance
  url: conformance/bank-of-queensland-conformance.yml
- type: Lifecycle
  url: lifecycle/bank-of-queensland-lifecycle.yml
- type: DataModel
  url: data-model/bank-of-queensland-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/bank-of-queensland-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/_index.yml
- type: Website
  url: https://www.boq.com.au/
- type: Documentation
  url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
- type: Support
  url: https://www.boq.com.au/personal/help-and-support/
- type: PrivacyPolicy
  url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/privacy/
- type: TermsOfService
  url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/
- type: LinkedIn
  url: https://www.linkedin.com/company/bank-of-queensland
apis:
- aid: bank-of-queensland:bank-of-queensland-banking-account-balances-api
  name: Bank of Queensland Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  x-baseURL-note: BOQ does not publish the authenticated CDR resource base URI publicly (the CDR Register brand detail requires
    a register token); anonymous GET https://secure.api.boq.com.au/cds-au/v1/banking/accounts returned 400 and https://api.cds.boq.com.au/cds-au/v1/banking/accounts
    403, so no baseURL is asserted.
  x-contract-ownership: The contract is the Data Standards Body's Consumer Data Standards (CDR Banking v1.36.0, servers[]
    a DSB placeholder) which BOQ implements as a registered CDR data holder; the CDR Register (api.cdr.gov.au brands/summary,
    2026-10-20) lists brand 'Bank of Queensland Limited' (ABN 32009656740) with publicBaseUri https://api.cds.boq.com.au.
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/bank-of-queensland-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#payees
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-accounts-balance-list-schema.json
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-accounts-balance-by-id-schema.json
- aid: bank-of-queensland:bank-of-queensland-banking-account-direct-debits-api
  name: Bank of Queensland Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  x-baseURL-note: BOQ does not publish the authenticated CDR resource base URI publicly (the CDR Register brand detail requires
    a register token); anonymous GET https://secure.api.boq.com.au/cds-au/v1/banking/accounts returned 400 and https://api.cds.boq.com.au/cds-au/v1/banking/accounts
    403, so no baseURL is asserted.
  x-contract-ownership: The contract is the Data Standards Body's Consumer Data Standards (CDR Banking v1.36.0, servers[]
    a DSB placeholder) which BOQ implements as a registered CDR data holder; the CDR Register (api.cdr.gov.au brands/summary,
    2026-10-20) lists brand 'Bank of Queensland Limited' (ABN 32009656740) with publicBaseUri https://api.cds.boq.com.au.
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/bank-of-queensland-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#payees
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-direct-debit-authorisation-list-schema.json
- aid: bank-of-queensland:bank-of-queensland-banking-account-scheduled-payments-api
  name: Bank of Queensland Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  x-baseURL-note: BOQ does not publish the authenticated CDR resource base URI publicly (the CDR Register brand detail requires
    a register token); anonymous GET https://secure.api.boq.com.au/cds-au/v1/banking/accounts returned 400 and https://api.cds.boq.com.au/cds-au/v1/banking/accounts
    403, so no baseURL is asserted.
  x-contract-ownership: The contract is the Data Standards Body's Consumer Data Standards (CDR Banking v1.36.0, servers[]
    a DSB placeholder) which BOQ implements as a registered CDR data holder; the CDR Register (api.cdr.gov.au brands/summary,
    2026-10-20) lists brand 'Bank of Queensland Limited' (ABN 32009656740) with publicBaseUri https://api.cds.boq.com.au.
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/bank-of-queensland-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#payees
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-scheduled-payments-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-instalment-plan-list-schema.json
- aid: bank-of-queensland:bank-of-queensland-banking-account-transactions-api
  name: Bank of Queensland Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  x-baseURL-note: BOQ does not publish the authenticated CDR resource base URI publicly (the CDR Register brand detail requires
    a register token); anonymous GET https://secure.api.boq.com.au/cds-au/v1/banking/accounts returned 400 and https://api.cds.boq.com.au/cds-au/v1/banking/accounts
    403, so no baseURL is asserted.
  x-contract-ownership: The contract is the Data Standards Body's Consumer Data Standards (CDR Banking v1.36.0, servers[]
    a DSB placeholder) which BOQ implements as a registered CDR data holder; the CDR Register (api.cdr.gov.au brands/summary,
    2026-10-20) lists brand 'Bank of Queensland Limited' (ABN 32009656740) with publicBaseUri https://api.cds.boq.com.au.
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/bank-of-queensland-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#payees
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-transaction-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-transaction-by-id-v3-schema.json
- aid: bank-of-queensland:bank-of-queensland-banking-accounts-api
  name: Bank of Queensland Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  x-baseURL-note: BOQ does not publish the authenticated CDR resource base URI publicly (the CDR Register brand detail requires
    a register token); anonymous GET https://secure.api.boq.com.au/cds-au/v1/banking/accounts returned 400 and https://api.cds.boq.com.au/cds-au/v1/banking/accounts
    403, so no baseURL is asserted.
  x-contract-ownership: The contract is the Data Standards Body's Consumer Data Standards (CDR Banking v1.36.0, servers[]
    a DSB placeholder) which BOQ implements as a registered CDR data holder; the CDR Register (api.cdr.gov.au brands/summary,
    2026-10-20) lists brand 'Bank of Queensland Limited' (ABN 32009656740) with publicBaseUri https://api.cds.boq.com.au.
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/bank-of-queensland-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#payees
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-account-list-v3-schema.json
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-account-by-id-v5-schema.json
- aid: bank-of-queensland:bank-of-queensland-banking-payees-api
  name: Bank of Queensland Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  x-baseURL-note: BOQ does not publish the authenticated CDR resource base URI publicly (the CDR Register brand detail requires
    a register token); anonymous GET https://secure.api.boq.com.au/cds-au/v1/banking/accounts returned 400 and https://api.cds.boq.com.au/cds-au/v1/banking/accounts
    403, so no baseURL is asserted.
  x-contract-ownership: The contract is the Data Standards Body's Consumer Data Standards (CDR Banking v1.36.0, servers[]
    a DSB placeholder) which BOQ implements as a registered CDR data holder; the CDR Register (api.cdr.gov.au brands/summary,
    2026-10-20) lists brand 'Bank of Queensland Limited' (ABN 32009656740) with publicBaseUri https://api.cds.boq.com.au.
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/bank-of-queensland-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#payees
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-payee-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-payee-by-id-v2-schema.json
- aid: bank-of-queensland:bank-of-queensland-banking-products-api
  name: Bank of Queensland Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  baseURL: https://api.cds.boq.com.au/cds-au/v1
  x-contract-ownership: The contract is the Data Standards Body's Consumer Data Standards (CDR Banking v1.36.0, servers[]
    a DSB placeholder) which BOQ implements as a registered CDR data holder; the CDR Register (api.cdr.gov.au brands/summary,
    2026-10-20) lists brand 'Bank of Queensland Limited' (ABN 32009656740) with publicBaseUri https://api.cds.boq.com.au.
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/bank-of-queensland-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#payees
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-product-list-v4-schema.json
  - type: JSONSchema
    url: json-schema/bank-of-queensland-response-banking-product-by-id-v7-schema.json
x-coverage:
  state: covered
  reason: identity-verified
  detail: 'Identity pass 2026-10-20: www.boq.com.au is the company site (title "BOQ"). The former /personal/banking/openbanking/developers
    URL now redirects to a consumer Open Banking (CDR) help page with no developer content, so the DeveloperPortal pointer
    was removed and Documentation/humanURL point at the canonical page. The public CDR Product Reference Data endpoint answered
    200 with product JSON.'
  evidence:
  - url: https://www.boq.com.au/
    status: 200
  - url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/open-banking
    status: 200
  - url: https://www.boq.com.au/personal/help-and-support/
    status: 200
  - url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/
    status: 200
  - url: https://www.boq.com.au/personal/help-and-support/forms-and-important-information/privacy/
    status: 200
  - url: https://www.boq.com.au/blog/
    status: 200
  - url: https://www.linkedin.com/company/bank-of-queensland
    status: 200
  - url: https://secure.api.boq.com.au/cds-au/v1/banking/products?page-size=1
    status: 200
  - url: https://www.boq.com.au/personal/help-and-support/business/getting-started-business
    status: 200
  - url: https://internetbanking.boq.com.au/login
    status: 200
    note: 403 to a bare curl, 200 to a browser user-agent in pre-flight (edge policy, not dead)
  - url: https://consumerdatastandardsaustralia.github.io/standards/
    status: 200
x-enrichment:
  date: '2026-10-20'
  status: enriched
  artifacts_added: 31
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

Bank of Queensland API — frequently asked questions

Does Bank of Queensland have an API?

Yes. APIs.io lists 7 APIs from Bank of Queensland, including Bank of Queensland Banking Account Balances API, Bank of Queensland Banking Account Direct Debits API and Bank of Queensland Banking Account Scheduled Payments API, and 4 more.

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

Yes. APIs.io indexes 7 OpenAPI specifications for Bank of Queensland, each linked for download from this page.

How do I authenticate with the Bank of Queensland API?

Bank of Queensland uses bearer-token authentication (none/oauth2/openIdConnect/mutualTLS · 2 schemes). The details are profiled on APIs.io as Bank Of Queensland Authentication.

Is the Bank of Queensland API ready for AI agents?

Bank of Queensland has a Kin Score of 46.9 out of 100 (developing) and an Agent Readiness score of 28.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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