# BankVic

**Canonical:** https://apis.io/providers/bankvic/  
**Website:** https://www.bankvic.com.au/  
**APIs profiled:** 7

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.

## Kin Score — 47.8 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 47.8).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 56.5 |
| Commercial Clarity | 31.6 |
| Access Clarity | 31.6 |

Regulatory layer — **Banking & Open Finance**: 62.0 (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)

- **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

## MCP servers (1)

- **BankVic MCP Server**

## Agentic access (1)

- **Bankvic Agentic Access** — 19 operations · 3 acting

## Security (2)

- **Bankvic Authentication** — none-public/oauth2/openIdConnect/mutualTLS · 2 schemes
- **Bankvic Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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