Basiq
Basiq is an Australian open banking and financial data API platform providing unified access to bank account data and enrichment services. It enables fintechs, lenders, and financial service providers to connect to 180+ Australian and New Zealand banks via CDR (Consumer Data Right) and third-party connectors. The Basiq API provides user management, bank connections, account balances, transaction history, income verification, and expense categorization. Uses JWT Bearer token authentication. Basiq Pty Ltd (ABN 95 616 592 011) is an accredited data recipient under the CDR and a wholly-owned but non-guaranteed subsidiary of Cuscal Limited.
Basiq publishes 21 API contracts indexed on the APIs.io network, including Accounts API, Authentication API, Connections API, and 18 more. Tagged areas include Australia, Banking, CDR, Financial Data, and Fintech.
The Basiq catalog on APIs.io includes 1 JSON-LD context and 3 Spectral governance rulesets.
Basiq’s developer surface includes changelog, sandbox, engineering blog, authentication, documentation, API reference, getting-started guide, and 51 more developer resources.
What this lets a business do 1
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.
| Market | Position | Depth | Registered MCP server | Declares compatibility |
|---|---|---|---|---|
| Consumer Lending Licensing (UK, US, Canada credit licence registers) | list | 22.7 | - | - |
| Australia Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending) | list | 22.7 | - | - |
| Australia AFS, Credit and ADI Registers (ASIC + APRA licensing) | list | 22.7 | - | - |
Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Standards implemented 2
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
APIs 21
Individual APIs this provider publishes, each with its own machine-readable definition.
Basiq Accounts API
The Accounts API from Basiq — 2 operation(s) for accounts.
Basiq Authentication API
The Authentication API from Basiq — 1 operation(s) for authentication.
Basiq Connections API
The Connections API from Basiq — 2 operation(s) for connections.
Basiq Transactions API
The Transactions API from Basiq — 2 operation(s) for transactions.
Basiq Users API
The Users API from Basiq — 2 operation(s) for users.
Basiq Consents API
The Consents API from Basiq — 2 operation(s) for consents.
Basiq Jobs API
The Jobs API from Basiq — 3 operation(s) for jobs.
Basiq Affordability API
The Affordability API from Basiq — 3 operation(s) for affordability.
Basiq Analytics API
The Analytics API from Basiq — 2 operation(s) for analytics.
Basiq Auth Links API
The AuthLinks API from Basiq — 1 operation(s) for authlinks.
Basiq Connectors API
The Connectors API from Basiq — 2 operation(s) for connectors.
Basiq Enrich API
The Enrich API from Basiq — 3 operation(s) for enrich.
Basiq Events API
The Events API from Basiq — 4 operation(s) for events.
Basiq Expenses API
The Expenses API from Basiq — 2 operation(s) for expenses.
Basiq Identities API
The Identities API from Basiq — 2 operation(s) for identities.
Basiq Income API
The Income API from Basiq — 2 operation(s) for income.
Basiq Insights API
The Insights API from Basiq — 10 operation(s) for insights.
Basiq Payees API
The Payees API from Basiq — 2 operation(s) for payees.
Basiq Reports API
The Reports API from Basiq — 5 operation(s) for reports.
Basiq Statements API
The Statements API from Basiq — 1 operation(s) for statements.
Basiq Webhooks API
Basiq Webhooks
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Open Collections 7
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Basiq Accounts API
OPEN COLLECTIONBasiq Accounts Affordability API
OPEN COLLECTIONBasiq API
OPEN COLLECTIONBasiq Accounts Authentication API
OPEN COLLECTIONBasiq Accounts Connections API
OPEN COLLECTIONBasiq Accounts Transactions API
OPEN COLLECTIONBasiq Accounts Users API
OPEN COLLECTIONScroll for all 7
MCP Servers 1
Model Context Protocol servers that expose these APIs to AI agents.
Basiq API MCP Server
Remote MCP server at api.basiq.io over streamable HTTP; 5 tools listed.
MCP SERVERAgent Skills 3
Packaged agent skills for driving this provider's APIs from an AI assistant.
basiq-manage-connections-and-consent
AGENT SKILLbasiq-onboard-user
AGENT SKILLbasiq-read-financial-data
AGENT SKILLBasiq API pricing
Prices published by Basiq.
| Plan | Price |
|---|---|
| Sandbox | available at no cost |
| Paying customer | charges will apply for any users on your platform |
Plan details, limits and sources →
Rate limits
- Generate an auth token: 1,500 requests per 5 minute period. Auth tokens should be reused as much as possible and not recreated for each request.
- Enrich (sandbox): Sandbox users can run 100 requests per month.
- Create an affordability summary: The lesser of the number of users created per day or 1,000 total per day (including affordability, income and expenses s
Pricing Plans 1
Published pricing tiers and plan structures.
Basiq Plans Pricing
PLANSRate Limits 1
Documented rate limits and quota policies.
Basiq Rate Limits
RATE LIMITSService Levels 1
Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.
Basiq
SLAFinOps 1
Cost, billing, and metering signals for API financial operations.
Basiq Finops
FINOPSFeatures 7
Notable capabilities this provider offers.
Bank Connections
Connect to 180+ Australian and New Zealand banks via CDR and third-party connectors.
Account Data
Retrieve real-time account balances, available funds, and account metadata.
Transaction History
Access enriched transaction history with categorization and merchant data.
Income Verification
Automated income stream identification and regular/irregular income calculation.
Expense Categorization
Transaction-based expense categorization for affordability and budgeting analysis.
CDR Compliance
Consumer Data Right (CDR) compliant data access for Australian open banking.
Data Enrichment
Transaction enrichment with merchant names, categories, and subcategories.
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Semantic Vocabularies 1
JSON-LD contexts and semantic vocabularies used across these APIs.
Basiq Context
JSON-LDSpectral Rules 3
Spectral governance rulesets for linting and validating these APIs.
OpenAPI Overlays 7
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
Basiq Accounts Api Overlay
GENERATEDBasiq Authentication Api Overlay
GENERATEDBasiq Connections Api Overlay
GENERATEDBasiq Consents Api Overlay
GENERATEDBasiq Jobs Api Overlay
GENERATEDBasiq Transactions Api Overlay
GENERATEDBasiq Users Api Overlay
GENERATEDScroll for all 7
JSON Schema 26
Standalone JSON Schema definitions for this provider's data models.
Account
JSON SCHEMAAccountListResponse
JSON SCHEMAAccountInsightResponse
JSON SCHEMAAnalyticsResponse
JSON SCHEMAConnectionAnalyticsResponse
JSON SCHEMAExpenseRatioInsightResponse
JSON SCHEMAInsight
JSON SCHEMAInsightTypeItem
JSON SCHEMAMerchantDetails
JSON SCHEMAPayeeDetailsResponse
JSON SCHEMAPayeesListResponse
JSON SCHEMAPostInsightsRequest
JSON SCHEMAPostInsightsResponse
JSON SCHEMASingleMerchantResponse
JSON SCHEMAWebhookStats
JSON SCHEMAConnection
JSON SCHEMAConnectionListResponse
JSON SCHEMACreateConnectionRequest
JSON SCHEMACreateUserRequest
JSON SCHEMAErrorResponse
JSON SCHEMAExpenseReport
JSON SCHEMAIncomeVerification
JSON SCHEMATokenResponse
JSON SCHEMATransaction
JSON SCHEMATransactionListResponse
JSON SCHEMAUser
JSON SCHEMAScroll for all 26
JSON Structure 13
JSON Structure definitions describing this provider's data shapes.
Account
JSON STRUCTUREAccountlistresponse
JSON STRUCTUREConnection
JSON STRUCTUREConnectionlistresponse
JSON STRUCTURECreateconnectionrequest
JSON STRUCTURECreateuserrequest
JSON STRUCTUREErrorresponse
JSON STRUCTUREExpensereport
JSON STRUCTUREIncomeverification
JSON STRUCTURETokenresponse
JSON STRUCTURETransaction
JSON STRUCTURETransactionlistresponse
JSON STRUCTUREUser
JSON STRUCTUREScroll for all 13
Examples 13
Example request and response payloads for these APIs.
Account
EXAMPLEAccountlistresponse
EXAMPLEConnection
EXAMPLEConnectionlistresponse
EXAMPLECreateconnectionrequest
EXAMPLECreateuserrequest
EXAMPLEErrorresponse
EXAMPLEExpensereport
EXAMPLEIncomeverification
EXAMPLETokenresponse
EXAMPLETransaction
EXAMPLETransactionlistresponse
EXAMPLEUser
EXAMPLEScroll for all 13
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Use Cases 6
What developers build with this provider.
Lending and Credit Assessment
Use income verification and expense data to assess creditworthiness and affordability.
Personal Finance Apps
Aggregate bank accounts and transactions for budgeting and financial planning tools.
Mortgage Applications
Automate bank statement verification and income confirmation for home loan applications.
BNPL Affordability
Assess buy-now-pay-later affordability using real-time transaction and income data.
Financial Advisory
Provide financial planners with complete client financial pictures across institutions.
Account Verification
Verify bank account ownership for payment and identity verification workflows.
Integrations 8
Pre-built integrations with other platforms and tools.
Xero
MYOB
Salesforce
Zapier
Commonwealth Bank
ANZ
Westpac
NAB
Scroll for all 8
Resources
Get Started 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 6
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 13
Pagination, idempotency, versioning, errors, and events
Scroll for all 13
Build 6
SDKs, sample code, and the tooling you integrate with
Access & Security 6
Authentication, authorization, and security posture
Operate 7
Status, limits, changes, and where to get help
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Commercial 5
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 5
Properties that don't map to a standard resource type
Source (apis.yml)
Basiq API — frequently asked questions
Does Basiq have an API?
Yes. APIs.io lists 21 APIs from Basiq, including Basiq Accounts API, Basiq Authentication API and Basiq Connections API, and 18 more.
Is there an OpenAPI specification for the Basiq API?
Yes. APIs.io indexes 21 OpenAPI specifications for Basiq, each linked for download from this page.
How do I authenticate with the Basiq API?
Basiq uses bearer-token authentication (apiKey/http · 2 schemes). The details are profiled on APIs.io as Basiq Authentication.
How much does the Basiq API cost?
Basiq publishes its prices; its Sandbox plan is available at no cost as of 2026-10-21. APIs.io lists 2 pricing plans for Basiq, with each plan's price, limits and inclusions under Pricing on this page.
Does Basiq have an MCP server?
Yes. APIs.io lists 1 MCP server for Basiq: Remote MCP server at api.basiq.io over streamable HTTP; 5 tools listed.
Is the Basiq API ready for AI agents?
Basiq has a Kin Score of 61.1 out of 100 (strong) and an Agent Readiness score of 39.5 (agent-ready), scored by API Evangelist on 2026-11-06.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.