BankSA

BankSA is a South Australian retail and business banking brand operating as a division of Westpac Banking Corporation (ABN 33 007 457 141, AFSL and Australian credit licence 233714). It is not a mutual or independent ADI - it shares the Westpac Group core banking platform alongside sibling brands St.George and Bank of Melbourne. Under Australia's Consumer Data Right (CDR / Open Banking) regime, BankSA exposes a live, public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data Standards, hosted at digital-api.banksa.com.au. Consumer and account data sharing beyond product reference data runs on the accredited-data-recipient (ADR) model with OAuth2 / OpenID Connect (FAPI) authorization; BankSA does not publish an open self-service developer portal for third-party integration outside the CDR channel.

BankSA 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 Data Right.

BankSA’s developer surface includes authentication, API reference, support, documentation, and 22 more developer resources.

🌐 Visit website 📡 Source on GitHub

37.7/100 thin ▬ flat Agent 24/100 agent aware Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

1 APIs

Financial Banks Open Banking CDR Consumer Data Right Consumer Banking Australia Product Reference Data

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 37.7/100 · thin

Contract Quality 9.3 / 19

Developer Ergonomics 5.3 / 15

Access Clarity 1.6 / 15

Operational Transparency 1.8 / 10

Contract Governance 0.4 / 9

Discoverability 5.7 / 8

Regulatory Posture 11.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 24/100 · 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 0 / 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

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/.

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 github.com/api-evangelist/banksa: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 7

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

BankSA Banking Account Balances API

Banking Account Balance endpoints

BankSA Banking Account Direct Debits API

Banking Account Direct Debit endpoints

BankSA Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

BankSA Banking Account Transactions API

Banking Account Transaction endpoints

BankSA Banking Accounts API

Banking Account endpoints

BankSA Banking Payees API

Banking Payee endpoints

BankSA Banking Products API

Banking Product endpoints

Scroll for all 7

Open Collections 8

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

CDR Banking Banking Account Balances API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Direct Debits API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Scheduled Payments API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Transactions API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Accounts API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Payees API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Products API

OPEN COLLECTION

Scroll for all 8

Security Posture 3

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

Banksa Authentication

none/oauth2/openIdConnect/mutualTLS · 4 schemes

SECURITY

Banksa Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Banksa Vulnerability Disclosure

disclosure policy published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Banksa Scopes

9 scopes · authorizationCode

9 scopes

SCOPES

Agentic Access 1

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

Banksa Agentic Access

19 operations · 3 acting

AGENTIC

Resources

Documentation 2

Reference material describing how the API behaves

APIReference

APIReference

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Conformance

Lifecycle

DataModel

ErrorMapping

Access & Security 6

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

DomainSecurity

Authentication

OAuthScopes

DomainSecurity

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 2

The organization behind the API

Website

Website

LinkedIn

Other 3

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

OpenBanking

OpenBanking

Source (apis.yml)

aid: banksa
url: https://raw.githubusercontent.com/api-evangelist/banksa/refs/heads/main/apis.yml
name: BankSA
kind: company
description: BankSA is a South Australian retail and business banking brand operating as a division of Westpac Banking Corporation
  (ABN 33 007 457 141, AFSL and Australian credit licence 233714). It is not a mutual or independent ADI - it shares the Westpac
  Group core banking platform alongside sibling brands St.George and Bank of Melbourne. Under Australia's Consumer Data Right
  (CDR / Open Banking) regime, BankSA exposes a live, public, unauthenticated Product Reference Data (PRD) API conforming
  to the DSB Consumer Data Standards, hosted at digital-api.banksa.com.au. Consumer and account data sharing beyond product
  reference data runs on the accredited-data-recipient (ADR) model with OAuth2 / OpenID Connect (FAPI) authorization; BankSA
  does not publish an open self-service developer portal for third-party integration outside the CDR channel.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
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/banksa.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.23'
apis:
- aid: banksa:banksa-banking-account-balances-api
  name: BankSA Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.banksa.com.au/online-services/open-banking/product-api
  baseURL: https://digital-api.banksa.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/banksa-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.banksa.com.au/online-services/open-banking
  - type: APIReference
    url: https://www.banksa.com.au/online-services/open-banking/product-api
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: banksa:banksa-banking-account-direct-debits-api
  name: BankSA Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.banksa.com.au/online-services/open-banking/product-api
  baseURL: https://digital-api.banksa.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/banksa-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.banksa.com.au/online-services/open-banking
  - type: APIReference
    url: https://www.banksa.com.au/online-services/open-banking/product-api
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: banksa:banksa-banking-account-scheduled-payments-api
  name: BankSA Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.banksa.com.au/online-services/open-banking/product-api
  baseURL: https://digital-api.banksa.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/banksa-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.banksa.com.au/online-services/open-banking
  - type: APIReference
    url: https://www.banksa.com.au/online-services/open-banking/product-api
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: banksa:banksa-banking-account-transactions-api
  name: BankSA Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.banksa.com.au/online-services/open-banking/product-api
  baseURL: https://digital-api.banksa.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/banksa-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.banksa.com.au/online-services/open-banking
  - type: APIReference
    url: https://www.banksa.com.au/online-services/open-banking/product-api
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: banksa:banksa-banking-accounts-api
  name: BankSA Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.banksa.com.au/online-services/open-banking/product-api
  baseURL: https://digital-api.banksa.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/banksa-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.banksa.com.au/online-services/open-banking
  - type: APIReference
    url: https://www.banksa.com.au/online-services/open-banking/product-api
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: banksa:banksa-banking-payees-api
  name: BankSA Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.banksa.com.au/online-services/open-banking/product-api
  baseURL: https://digital-api.banksa.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/banksa-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.banksa.com.au/online-services/open-banking
  - type: APIReference
    url: https://www.banksa.com.au/online-services/open-banking/product-api
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: banksa:banksa-banking-products-api
  name: BankSA Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.banksa.com.au/online-services/open-banking/product-api
  baseURL: https://digital-api.banksa.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/banksa-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.banksa.com.au/online-services/open-banking
  - type: APIReference
    url: https://www.banksa.com.au/online-services/open-banking/product-api
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: Specification
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
common:
- type: CapabilityMap
  url: capabilities/banksa-capability-edges.yml
  name: BankSA Business Capability Map
- type: AgenticAccess
  url: agentic-access/banksa-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/banksa-vulnerability-disclosure.yml
- type: Security
  url: https://www.banksa.com.au/online-services/security-centre
- type: DomainSecurity
  url: security/banksa-domain-security.yml
- type: Authentication
  url: authentication/banksa-authentication.yml
- type: OAuthScopes
  url: scopes/banksa-scopes.yml
- type: Conventions
  url: conventions/banksa-conventions.yml
- type: ErrorCatalog
  url: errors/banksa-problem-types.yml
- type: Conformance
  url: conformance/banksa-conformance.yml
- type: Lifecycle
  url: lifecycle/banksa-lifecycle.yml
- type: Deprecation
  url: lifecycle/banksa-lifecycle.yml
- type: DataModel
  url: data-model/banksa-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/banksa-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: Overlay
  url: overlays/banksa-cds-banking-products-overlay.yaml
- type: LLMsTxt
  url: llms/banksa-llms.txt
- type: Website
  url: https://www.banksa.com.au/
- type: OpenBanking
  url: https://www.banksa.com.au/online-services/open-banking
- type: APIReference
  url: https://www.banksa.com.au/online-services/open-banking/product-api
- type: ErrorMapping
  url: https://www.banksa.com.au/online-services/open-banking/error-mapping
- type: PrivacyPolicy
  url: https://www.banksa.com.au/privacy/privacy-statement
- type: DomainSecurity
  url: https://www.banksa.com.au/security
- type: Support
  url: https://www.banksa.com.au/help
- type: LinkedIn
  url: https://www.linkedin.com/company/bank-sa
- type: Documentation
  url: https://consumerdatastandardsaustralia.github.io/standards/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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