# Bank of us

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

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.

## Kin Score — 42.7 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 42.7).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 47.0 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 63.3 (matched via tags).

## Agent readiness — 36.5 (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 | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

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

## APIs (7)

- **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

## MCP servers (1)

- **Bank of us MCP Server**

## Agentic access (1)

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

## Security (3)

- **Bank Of Us Authentication** — none/oauth2/openIdConnect/mutualTLS · 4 schemes
- **Bank Of Us Domain Security** — TLSv1.3 · HSTS · DMARC
- **Bank Of Us Vulnerability Disclosure** — security.txt · contact published

## Tags

Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Tasmania, Mutual, Product Reference Data

---

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