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 publishes 6 APIs on the APIs.io network, including Accounts API, Affordability API, Authentication API, and 3 more. Tagged areas include Australia, Banking, CDR, Financial Data, and Fintech.

The Basiq catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Basiq’s developer surface includes authentication, documentation, engineering blog, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub

50.3/100 developing ▼ -7.1 Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6

AccessFreemiumSelf serve⚡ Free to try

6 APIs 7 Features 6 Use Cases

AustraliaBankingCDRFinancial DataFintechOpen BankingTransactions

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6

Composite quality — 50.3/100 · developing

Contract Quality 17.4 / 25

Developer Ergonomics 4.3 / 20

Commercial Clarity 12.1 / 20

Operational Transparency 4.1 / 13

Governance 8.3 / 12

Discoverability 7.4 / 10

Agent readiness — 31/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/basiq: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 6

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

Rate Limits 1

Documented rate limits and quota policies.

Basiq Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Basiq Finops

FINOPS

Features 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.

Scroll for all 7

JSON Schema 13

Standalone JSON Schema definitions for this provider's data models.

Scroll for all 13

JSON Structure 13

JSON Structure definitions describing this provider's data shapes.

Scroll for all 13

Examples 13

Example request and response payloads for these APIs.

Scroll for all 13

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

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LlmsText

LlmsText

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

SpectralRules

SpectralRules

Vocabulary

Vocabulary

JSONLD

JSONLD

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 6

The organization behind the API

LinkedIn

Website

Website

Website

Blog

Website

Source (apis.yml)

aid: basiq
name: Basiq
description: 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.
type: Index
kind: company
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/basiq.png
tags:
- Australia
- Banking
- CDR
- Financial Data
- Fintech
- Open Banking
- Transactions
url: https://raw.githubusercontent.com/api-evangelist/basiq/refs/heads/main/apis.yml
created: '2026-03-27'
modified: '2026-05-19'
specificationVersion: '0.19'
apis:
- aid: basiq:basiq-accounts-api
  name: Basiq Accounts API
  description: The Accounts API from Basiq — 2 operation(s) for accounts.
  humanURL: https://api.basiq.io/reference
  baseURL: https://au-api.basiq.io
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/basiq-accounts-api-openapi.yml
  - type: Documentation
    url: https://api.basiq.io/reference
  - type: Documentation
    url: https://api.basiq.io/reference/getting-started
- aid: basiq:basiq-affordability-api
  name: Basiq Affordability API
  description: The Affordability API from Basiq — 2 operation(s) for affordability.
  humanURL: https://api.basiq.io/reference
  baseURL: https://au-api.basiq.io
  tags:
  - Affordability
  properties:
  - type: OpenAPI
    url: openapi/basiq-affordability-api-openapi.yml
  - type: Documentation
    url: https://api.basiq.io/reference
  - type: Documentation
    url: https://api.basiq.io/reference/getting-started
- aid: basiq:basiq-authentication-api
  name: Basiq Authentication API
  description: The Authentication API from Basiq — 1 operation(s) for authentication.
  humanURL: https://api.basiq.io/reference
  baseURL: https://au-api.basiq.io
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/basiq-authentication-api-openapi.yml
  - type: Documentation
    url: https://api.basiq.io/reference
  - type: Documentation
    url: https://api.basiq.io/reference/getting-started
- aid: basiq:basiq-connections-api
  name: Basiq Connections API
  description: The Connections API from Basiq — 2 operation(s) for connections.
  humanURL: https://api.basiq.io/reference
  baseURL: https://au-api.basiq.io
  tags:
  - Connections
  properties:
  - type: OpenAPI
    url: openapi/basiq-connections-api-openapi.yml
  - type: Documentation
    url: https://api.basiq.io/reference
  - type: Documentation
    url: https://api.basiq.io/reference/getting-started
- aid: basiq:basiq-transactions-api
  name: Basiq Transactions API
  description: The Transactions API from Basiq — 2 operation(s) for transactions.
  humanURL: https://api.basiq.io/reference
  baseURL: https://au-api.basiq.io
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/basiq-transactions-api-openapi.yml
  - type: Documentation
    url: https://api.basiq.io/reference
  - type: Documentation
    url: https://api.basiq.io/reference/getting-started
- aid: basiq:basiq-users-api
  name: Basiq Users API
  description: The Users API from Basiq — 2 operation(s) for users.
  humanURL: https://api.basiq.io/reference
  baseURL: https://au-api.basiq.io
  tags:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/basiq-users-api-openapi.yml
  - type: Documentation
    url: https://api.basiq.io/reference
  - type: Documentation
    url: https://api.basiq.io/reference/getting-started
common:
- type: AgenticAccess
  url: agentic-access/basiq-agentic-access.yml
- type: DomainSecurity
  url: security/basiq-domain-security.yml
- type: Authentication
  url: authentication/basiq-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/basiq-i-o
- type: Website
  url: https://basiq.io/
  name: Basiq
- type: Documentation
  url: https://api.basiq.io/reference
  name: API Reference
- type: Website
  url: https://dashboard.basiq.io/
  name: Developer Dashboard
- type: Website
  url: https://basiq.io/pricing/
  name: Pricing
- type: Blog
  url: https://basiq.io/blog/
  name: Blog
- type: Website
  url: https://github.com/basiqio
  name: GitHub Organization
- type: TermsOfService
  url: https://basiq.io/legal/terms-of-use/
  name: Terms of Use
- type: PrivacyPolicy
  url: https://basiq.io/legal/privacy-policy/
  name: Privacy Policy
- type: SpectralRules
  url: rules/basiq-spectral-rules.yml
- type: Vocabulary
  url: vocabulary/basiq-vocabulary.yaml
- type: JSONLD
  url: json-ld/basiq-context.jsonld
- name: Features
  type: Features
  data:
  - name: Bank Connections
    description: Connect to 180+ Australian and New Zealand banks via CDR and third-party connectors.
  - name: Account Data
    description: Retrieve real-time account balances, available funds, and account metadata.
  - name: Transaction History
    description: Access enriched transaction history with categorization and merchant data.
  - name: Income Verification
    description: Automated income stream identification and regular/irregular income calculation.
  - name: Expense Categorization
    description: Transaction-based expense categorization for affordability and budgeting analysis.
  - name: CDR Compliance
    description: Consumer Data Right (CDR) compliant data access for Australian open banking.
  - name: Data Enrichment
    description: Transaction enrichment with merchant names, categories, and subcategories.
- name: Use Cases
  type: UseCases
  data:
  - name: Lending and Credit Assessment
    description: Use income verification and expense data to assess creditworthiness and affordability.
  - name: Personal Finance Apps
    description: Aggregate bank accounts and transactions for budgeting and financial planning tools.
  - name: Mortgage Applications
    description: Automate bank statement verification and income confirmation for home loan applications.
  - name: BNPL Affordability
    description: Assess buy-now-pay-later affordability using real-time transaction and income data.
  - name: Financial Advisory
    description: Provide financial planners with complete client financial pictures across institutions.
  - name: Account Verification
    description: Verify bank account ownership for payment and identity verification workflows.
- name: Integrations
  type: Integrations
  data:
  - name: Xero
  - name: MYOB
  - name: Salesforce
  - name: Zapier
  - name: Commonwealth Bank
  - name: ANZ
  - name: Westpac
  - name: NAB
- type: LlmsText
  url: https://api.basiq.io/llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Basiq

APIs 6

Open Collections 1

Pricing Plans 1

Rate Limits 1

FinOps 1

Features 7

Bank Connections

Account Data

Transaction History

Income Verification

Expense Categorization

CDR Compliance

Data Enrichment

Semantic Vocabularies 1

Spectral Rules 2

JSON Schema 13

JSON Structure 13

Examples 13

Security Posture 2

Agentic Access 1

Use Cases 6

Lending and Credit Assessment

Personal Finance Apps

Mortgage Applications

BNPL Affordability

Financial Advisory

Account Verification

Integrations 8

Xero

MYOB

Salesforce

Zapier

Commonwealth Bank

ANZ

Westpac

NAB

Documentation 1

Agent Surfaces 2

Design & Contract 3

Access & Security 2

Commercial 2

Company 6

Source (apis.yml)