# Bank of Sydney

**Canonical:** https://apis.io/providers/bank-of-sydney/  
**Website:** https://www.banksyd.com.au/  
**APIs profiled:** 7

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.

## Kin Score — 36.9 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 36.9).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 42.3 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 50.6 (matched via tags).

## Agent readiness — 34.0 (agent-ready)

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

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (7)

- **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

## MCP servers (1)

- **Bank of Sydney MCP Server**

## Agentic access (1)

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

## Security (2)

- **Bank Of Sydney Authentication** — none/oauth2/openIdConnect/mutualTLS · 4 schemes
- **Bank Of Sydney Domain Security** — TLSv1.3 · DMARC

## Tags

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

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