Bank of Sydney website screenshot

Bank of Sydney

Bank of Sydney Ltd is an Australian authorised deposit-taking institution (ADI) headquartered in Sydney, New South Wales, offering personal and business banking, home loans, deposits, and everyday accounts. It is a wholly owned subsidiary of Lebanon-based Bank of Beirut and operates a national branch and digital footprint across Australia. As a regulated ADI, Bank of Sydney participates in Australia's Consumer Data Right (CDR) / Open Banking regime, exposing a public, unauthenticated Product Reference Data (PRD) API that conforms to the Data Standards Body (DSB) Consumer Data Standards. Consumer-facing account and transaction data sharing is delivered to Accredited Data Recipients (ADRs) under the CDR authorisation model, backed by OAuth2/OIDC.

Bank of Sydney publishes 7 APIs 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 Financial, Banks, Open Banking, CDR, and Consumer Banking.

Bank of Sydney’s developer surface includes documentation, getting-started guide, API reference, authentication, and 15 more developer resources.

🌐 Visit website 📡 Source on GitHub
38.3/100 thin ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer BankingAustraliaProduct Reference DataADI

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 38.3/100 · thin
Contract Quality 13.2 / 25
Developer Ergonomics 10.4 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 1.0 / 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-sydney: 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 7

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

Bank of Sydney Banking Account Balances API

Banking Account Balance endpoints

Bank of Sydney Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Bank of Sydney Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Bank of Sydney Banking Account Transactions API

Banking Account Transaction endpoints

Bank of Sydney Banking Accounts API

Banking Account endpoints

Bank of Sydney Banking Payees API

Banking Payee endpoints

Bank of Sydney Banking Products API

Banking Product endpoints

Scroll for all 7

MCP Servers 1

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

bank-of-sydney-mcp.yml

MCP SERVER

Security Posture 2

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

Bank Of Sydney Authentication

none/oauth2/openIdConnect/mutualTLS · 4 schemes

SECURITY

Bank Of Sydney Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Bank Of Sydney Scopes

5 scopes

5 scopes

SCOPES

Agentic Access 1

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

Bank Of Sydney Agentic Access

19 operations · 3 acting

19 operations · 3 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted
GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Operate 1

Status, limits, changes, and where to get help

Deprecation
Deprecation

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: bank-of-sydney
url: https://raw.githubusercontent.com/api-evangelist/bank-of-sydney/refs/heads/main/apis.yml
name: Bank of Sydney
kind: company
description: Bank of Sydney Ltd is an Australian authorised deposit-taking institution (ADI) headquartered in Sydney, New
  South Wales, offering personal and business banking, home loans, deposits, and everyday accounts. It is a wholly owned subsidiary
  of Lebanon-based Bank of Beirut and operates a national branch and digital footprint across Australia. As a regulated ADI,
  Bank of Sydney participates in Australia's Consumer Data Right (CDR) / Open Banking regime, exposing a public, unauthenticated
  Product Reference Data (PRD) API that conforms to the Data Standards Body (DSB) Consumer Data Standards. Consumer-facing
  account and transaction data sharing is delivered to Accredited Data Recipients (ADRs) under the CDR authorisation model,
  backed by OAuth2/OIDC.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bank-of-sydney.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: bank-of-sydney:bank-of-sydney-banking-account-balances-api
  name: Bank of Sydney Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.banksyd.com.au/tools-support/open-banking/
  baseURL: https://openbank.api.banksyd.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/bank-of-sydney-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.banksyd.com.au/tools-support/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: bank-of-sydney:bank-of-sydney-banking-account-direct-debits-api
  name: Bank of Sydney Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.banksyd.com.au/tools-support/open-banking/
  baseURL: https://openbank.api.banksyd.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/bank-of-sydney-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.banksyd.com.au/tools-support/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: bank-of-sydney:bank-of-sydney-banking-account-scheduled-payments-api
  name: Bank of Sydney Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.banksyd.com.au/tools-support/open-banking/
  baseURL: https://openbank.api.banksyd.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/bank-of-sydney-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.banksyd.com.au/tools-support/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: bank-of-sydney:bank-of-sydney-banking-account-transactions-api
  name: Bank of Sydney Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.banksyd.com.au/tools-support/open-banking/
  baseURL: https://openbank.api.banksyd.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/bank-of-sydney-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.banksyd.com.au/tools-support/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: bank-of-sydney:bank-of-sydney-banking-accounts-api
  name: Bank of Sydney Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.banksyd.com.au/tools-support/open-banking/
  baseURL: https://openbank.api.banksyd.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/bank-of-sydney-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.banksyd.com.au/tools-support/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: bank-of-sydney:bank-of-sydney-banking-payees-api
  name: Bank of Sydney Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.banksyd.com.au/tools-support/open-banking/
  baseURL: https://openbank.api.banksyd.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/bank-of-sydney-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.banksyd.com.au/tools-support/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: bank-of-sydney:bank-of-sydney-banking-products-api
  name: Bank of Sydney Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.banksyd.com.au/tools-support/open-banking/
  baseURL: https://openbank.api.banksyd.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/bank-of-sydney-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.banksyd.com.au/tools-support/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
common:
- type: AgenticAccess
  url: agentic-access/bank-of-sydney-agentic-access.yml
- type: DomainSecurity
  url: security/bank-of-sydney-domain-security.yml
- type: Website
  url: https://www.banksyd.com.au/
- type: Documentation
  url: https://www.banksyd.com.au/tools-support/open-banking/
- type: GettingStarted
  url: https://www.banksyd.com.au/tools-support/open-banking/
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
- type: LinkedIn
  url: https://www.linkedin.com/company/bank-of-sydney
- type: Authentication
  url: authentication/bank-of-sydney-authentication.yml
- type: OAuthScopes
  url: scopes/bank-of-sydney-scopes.yml
- type: Conventions
  url: conventions/bank-of-sydney-conventions.yml
- type: ErrorCatalog
  url: errors/bank-of-sydney-problem-types.yml
- type: Lifecycle
  url: lifecycle/bank-of-sydney-lifecycle.yml
- type: Deprecation
  url: lifecycle/bank-of-sydney-lifecycle.yml
- type: Conformance
  url: conformance/bank-of-sydney-conformance.yml
- type: DataModel
  url: data-model/bank-of-sydney-data-model.yml
- type: MCPServer
  url: mcp/bank-of-sydney-mcp.yml
- type: Overlay
  url: overlays/bank-of-sydney-cds-banking-products-overlay.yaml
- type: LLMsTxt
  url: llms/bank-of-sydney-llms.txt
- type: AgentSkill
  url: skills/bank-of-sydney-product-reference-data.md
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com