Bank of us website screenshot

Bank of us

Bank of us is Tasmania's only customer-owned bank, a mutual authorised deposit-taking institution (ADI) trading as B&E Ltd (brand "BNE LTD") and headquartered in Launceston, Tasmania. Formed from the former Bass & Equitable Building Society and rebranded to Bank of us in 2016, it is owned by its members rather than shareholders and offers home loans, personal and business banking, savings, and term deposits. As a regulated ADI it participates in Australia's Consumer Data Right (CDR / Open Banking) as a data holder, exposing a public, unauthenticated Product Reference Data (PRD) API that conforms to the Data Standards Body (DSB) Consumer Data Standards, and enabling customers to share account and transaction data with accredited data recipients under ACCC oversight.

Bank of us 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 us’ developer surface includes authentication, documentation, API reference, engineering blog, support, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
45.5/100 developing ▬ flat Agent 72/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer BankingAustraliaTasmaniaMutualProduct Reference Data

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 45.5/100 · developing
Contract Quality 13.5 / 25
Developer Ergonomics 11.3 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 2.4 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 72/100 · 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 4 / 4
Consent & Bot Identity 3 / 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-us: 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 us Banking Account Balances API

Banking Account Balance endpoints

Bank of us Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Bank of us Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Bank of us Banking Account Transactions API

Banking Account Transaction endpoints

Bank of us Banking Accounts API

Banking Account endpoints

Bank of us Banking Payees API

Banking Payee endpoints

Bank of us 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-us-mcp.yml

MCP SERVER

Security Posture 3

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

Bank Of Us Authentication

none/oauth2/openIdConnect/mutualTLS · 4 schemes

SECURITY

Bank Of Us Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Bank Of Us Vulnerability Disclosure

security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Bank Of Us Scopes

5 scopes · authorizationCode

5 scopes

SCOPES

Agentic Access 1

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

Bank Of Us Agentic Access

19 operations · 3 acting

19 operations · 3 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 LLMsTxt
LLMsTxt
 MCPServer
MCPServer
 AgentSkill
AgentSkill
 WellKnown
WellKnown

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conventions
Conventions
 DataModel
DataModel

Access & Security 6

Authentication, authorization, and security posture

Authentication
Authentication
 OAuthScopes
OAuthScopes
 SecurityTxt
SecurityTxt
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 Security
Security

Operate 2

Status, limits, changes, and where to get help

Deprecation
Deprecation
 Support
Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Website
Website
 LinkedIn
LinkedIn
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: bank-of-us
url: https://raw.githubusercontent.com/api-evangelist/bank-of-us/refs/heads/main/apis.yml
name: Bank of us
kind: company
description: Bank of us is Tasmania's only customer-owned bank, a mutual authorised deposit-taking institution (ADI) trading
  as B&E Ltd (brand "BNE LTD") and headquartered in Launceston, Tasmania. Formed from the former Bass & Equitable Building
  Society and rebranded to Bank of us in 2016, it is owned by its members rather than shareholders and offers home loans,
  personal and business banking, savings, and term deposits. As a regulated ADI it participates in Australia's Consumer Data
  Right (CDR / Open Banking) as a data holder, exposing a public, unauthenticated Product Reference Data (PRD) API that conforms
  to the Data Standards Body (DSB) Consumer Data Standards, and enabling customers to share account and transaction data with
  accredited data recipients under ACCC oversight.
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-us.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Tasmania
- Mutual
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: bank-of-us:bank-of-us-banking-account-balances-api
  name: Bank of us Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://bankofus.com.au/open-banking
  baseURL: https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/bank-of-us-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://bankofus.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: bank-of-us:bank-of-us-banking-account-direct-debits-api
  name: Bank of us Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://bankofus.com.au/open-banking
  baseURL: https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/bank-of-us-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://bankofus.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: bank-of-us:bank-of-us-banking-account-scheduled-payments-api
  name: Bank of us Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://bankofus.com.au/open-banking
  baseURL: https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/bank-of-us-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://bankofus.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: bank-of-us:bank-of-us-banking-account-transactions-api
  name: Bank of us Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://bankofus.com.au/open-banking
  baseURL: https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/bank-of-us-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://bankofus.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: bank-of-us:bank-of-us-banking-accounts-api
  name: Bank of us Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://bankofus.com.au/open-banking
  baseURL: https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/bank-of-us-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://bankofus.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: bank-of-us:bank-of-us-banking-payees-api
  name: Bank of us Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://bankofus.com.au/open-banking
  baseURL: https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/bank-of-us-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://bankofus.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: bank-of-us:bank-of-us-banking-products-api
  name: Bank of us Banking Products API
  description: Banking Product endpoints
  humanURL: https://bankofus.com.au/open-banking
  baseURL: https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/bank-of-us-banking-products-api-openapi.yml
  - type: Documentation
    url: https://bankofus.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
common:
- type: AgenticAccess
  url: agentic-access/bank-of-us-agentic-access.yml
- type: Authentication
  url: authentication/bank-of-us-authentication.yml
- type: OAuthScopes
  url: scopes/bank-of-us-scopes.yml
- type: Conformance
  url: conformance/bank-of-us-conformance.yml
- type: ErrorCatalog
  url: errors/bank-of-us-problem-types.yml
- type: Lifecycle
  url: lifecycle/bank-of-us-lifecycle.yml
- type: Deprecation
  url: lifecycle/bank-of-us-lifecycle.yml
- type: Conventions
  url: conventions/bank-of-us-conventions.yml
- type: DataModel
  url: data-model/bank-of-us-data-model.yml
- type: Overlay
  url: overlays/bank-of-us-cds-banking-products-overlay.yaml
- type: LLMsTxt
  url: llms/bank-of-us-llms.txt
- type: MCPServer
  url: mcp/bank-of-us-mcp.yml
- type: AgentSkill
  url: skills/bank-of-us-product-lookup.md
- type: WellKnown
  url: well-known/bank-of-us-well-known.yml
- type: SecurityTxt
  url: well-known/bank-of-us-security.txt
- type: VulnerabilityDisclosure
  url: security/bank-of-us-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/bank-of-us-domain-security.yml
- type: Security
  url: https://bankofus.com.au/.well-known/security.txt
- type: Website
  url: https://www.bankofus.com.au/
- type: Documentation
  url: https://bankofus.com.au/open-banking
- type: DeveloperPortal
  url: https://bankofus.com.au/open-banking
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
- type: LinkedIn
  url: https://www.linkedin.com/company/bank-of-us/
- type: Blog
  url: https://www.bankofus.com.au/blog
- type: PrivacyPolicy
  url: https://www.bankofus.com.au/privacy-policy
- type: Support
  url: https://www.bankofus.com.au/contact
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com