BankVic

BankVic is an Australian customer-owned mutual bank and the trading name of Police Financial Services Limited, an authorised deposit-taking institution (ADI) founded in 1974 and headquartered in Melbourne, Victoria. Member-owned rather than shareholder-driven, it has served Victoria's police, health, and emergency-services communities and the broader Victorian public under a "people before profits" ethos for more than fifty years, offering everyday accounts, home and personal loans, term deposits, credit cards, and insurance. As a regulated ADI, BankVic participates in Australia's Consumer Data Right (CDR / Open Banking) regime and exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards, alongside its consented, ADR-mediated consumer data-sharing surface.

BankVic 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.

BankVic’s developer surface includes authentication, documentation, getting-started guide, API reference, support, signup flow, and 22 more developer resources.

🌐 Visit website 📡 Source on GitHub

44.8/100 developing ▬ flat Agent 24/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

1 APIs

Financial Banks Open Banking CDR Consumer Banking Australia Mutual Bank Product Reference Data

Kin Score

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

Composite quality — 44.8/100 · developing

Contract Quality 9.3 / 19

Developer Ergonomics 8.5 / 15

Access Clarity 4.7 / 15

Operational Transparency 0.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.7 / 8

Regulatory Posture 9.3 / 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/bankvic: 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.

BankVic Banking Account Balances API

Banking Account Balance endpoints

BankVic Banking Account Direct Debits API

Banking Account Direct Debit endpoints

BankVic Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

BankVic Banking Account Transactions API

Banking Account Transaction endpoints

BankVic Banking Accounts API

Banking Account endpoints

BankVic Banking Payees API

Banking Payee endpoints

BankVic 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

Arazzo Workflows 2

Multi-step API workflows described with the Arazzo specification.

BankVic consented account data overview

For an accredited Data Recipient (ADR) holding an active consumer consent: list the member's accounts, read one account's current balance, then page its transactions. Requires t...

ARAZZO

BankVic product discovery

Discover BankVic's public product catalogue then drill into one product's full terms via the unauthenticated CDR Product Reference Data (PRD) surface. Runnable as-is against the...

ARAZZO

Security Posture 2

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

Bankvic Authentication

none-public/oauth2/openIdConnect/mutualTLS · 2 schemes

SECURITY

Bankvic Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Bankvic Scopes

9 scopes · authorizationCode

9 scopes

SCOPES

Agentic Access 1

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

Bankvic Agentic Access

19 operations · 3 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

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

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

Conformance

Arazzo

Arazzo

Lifecycle

DataModel

Scroll for all 7

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

Compliance

OAuthScopes

Operate 2

Status, limits, changes, and where to get help

Deprecation

Deprecation

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: bankvic
url: https://raw.githubusercontent.com/api-evangelist/bankvic/refs/heads/main/apis.yml
name: BankVic
kind: company
description: BankVic is an Australian customer-owned mutual bank and the trading name of Police Financial Services Limited,
  an authorised deposit-taking institution (ADI) founded in 1974 and headquartered in Melbourne, Victoria. Member-owned rather
  than shareholder-driven, it has served Victoria's police, health, and emergency-services communities and the broader Victorian
  public under a "people before profits" ethos for more than fifty years, offering everyday accounts, home and personal loans,
  term deposits, credit cards, and insurance. As a regulated ADI, BankVic participates in Australia's Consumer Data Right
  (CDR / Open Banking) regime and exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data
  Standards Body (DSB) Consumer Data Standards, alongside its consented, ADR-mediated consumer data-sharing surface.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  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/bankvic.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.23'
apis:
- aid: bankvic:bankvic-banking-account-balances-api
  name: BankVic Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.bankvic.com.au/get-help/open-banking/
  baseURL: https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/bankvic-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.bankvic.com.au/get-help/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: bankvic:bankvic-banking-account-direct-debits-api
  name: BankVic Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.bankvic.com.au/get-help/open-banking/
  baseURL: https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/bankvic-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.bankvic.com.au/get-help/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: bankvic:bankvic-banking-account-scheduled-payments-api
  name: BankVic Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.bankvic.com.au/get-help/open-banking/
  baseURL: https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/bankvic-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.bankvic.com.au/get-help/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: bankvic:bankvic-banking-account-transactions-api
  name: BankVic Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.bankvic.com.au/get-help/open-banking/
  baseURL: https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/bankvic-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.bankvic.com.au/get-help/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: bankvic:bankvic-banking-accounts-api
  name: BankVic Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.bankvic.com.au/get-help/open-banking/
  baseURL: https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/bankvic-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.bankvic.com.au/get-help/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: bankvic:bankvic-banking-payees-api
  name: BankVic Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.bankvic.com.au/get-help/open-banking/
  baseURL: https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/bankvic-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.bankvic.com.au/get-help/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: bankvic:bankvic-banking-products-api
  name: BankVic Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.bankvic.com.au/get-help/open-banking/
  baseURL: https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/bankvic-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.bankvic.com.au/get-help/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
common:
- type: CapabilityMap
  url: capabilities/bankvic-capability-edges.yml
  name: BankVic Business Capability Map
- type: AgenticAccess
  url: agentic-access/bankvic-agentic-access.yml
- type: DomainSecurity
  url: security/bankvic-domain-security.yml
- type: Authentication
  url: authentication/bankvic-authentication.yml
- type: ErrorCatalog
  url: errors/bankvic-problem-types.yml
- type: Conventions
  url: conventions/bankvic-conventions.yml
- type: Conformance
  url: conformance/bankvic-conformance.yml
- type: Compliance
  url: https://uat.bankvic.com.au/documents/95c3605a8cf64a12ae35608ca0188c73.pdf
- type: OAuthScopes
  url: scopes/bankvic-scopes.yml
- type: Arazzo
  name: BankVic product discovery
  url: arazzo/bankvic-product-discovery.yml
- type: Arazzo
  name: BankVic consented account data overview
  url: arazzo/bankvic-account-data-overview.yml
- type: Lifecycle
  url: lifecycle/bankvic-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: DataModel
  url: data-model/bankvic-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/bankvic-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: LLMsTxt
  url: llms/bankvic-llms.txt
- type: Overlay
  url: overlays/bankvic-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/bankvic-product-reference-data.md
- type: Website
  url: https://www.bankvic.com.au/
- type: Documentation
  url: https://www.bankvic.com.au/get-help/open-banking/
- type: DeveloperPortal
  url: https://www.bankvic.com.au/get-help/open-banking/
- type: GettingStarted
  url: https://www.bankvic.com.au/get-help/open-banking/
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
- type: Support
  url: https://www.bankvic.com.au/get-help/
- type: SignUp
  url: https://www.bankvic.com.au/join-bankvic/
- type: Login
  url: https://ib.bankvic.com.au/
- type: TermsOfService
  url: https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%26+Conditions
- type: PrivacyPolicy
  url: https://cdn.intelligencebank.com/au/share/NZw2/19DD/6daB/original/Privacy+Policy
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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