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 14 more developer resources.

🌐 Visit website 📡 Source on GitHub

32.7/100 thin ▬ flat Agent 20/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessFreemiumSelf serve⚡ Free to try

1 APIs 7 Features 6 Use Cases

Australia Banking CDR Financial Data Fintech Open Banking Transaction

Kin Score

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

Composite quality — 32.7/100 · thin

Contract Quality 11.9 / 19

Developer Ergonomics 2.9 / 15

Access Clarity 2.4 / 15

Operational Transparency 0.8 / 10

Contract Governance 2.6 / 9

Discoverability 5.7 / 8

Regulatory Posture 3.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 20/100 · 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 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

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/basiq: 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 6

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 Affordability API

The Affordability API from Basiq — 2 operation(s) for affordability.

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.

Open Collections 8

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

API Collection

OPEN COLLECTION

Basiq Accounts API

OPEN COLLECTION

Basiq Accounts Affordability API

OPEN COLLECTION

Basiq API

OPEN COLLECTION

Basiq Accounts Authentication API

OPEN COLLECTION

Basiq Accounts Connections API

OPEN COLLECTION

Basiq Accounts Transactions API

OPEN COLLECTION

Basiq Accounts Users API

OPEN COLLECTION

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Pricing Plans 1

Published pricing tiers and plan structures.

Basiq Plans Pricing

3 plans

PLANS

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.

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Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Basiq Context

8 classes · 32 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Basiq API Rules

5 rules · 3 warnings 2 info

SPECTRAL

Basiq API Rules

22 rules · 6 errors 15 warnings 1 info

SPECTRAL

JSON Schema 13

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

Account

8 properties

JSON SCHEMA

AccountListResponse

3 properties

JSON SCHEMA

Connection

4 properties

JSON SCHEMA

ConnectionListResponse

3 properties

JSON SCHEMA

CreateConnectionRequest

3 properties

JSON SCHEMA

CreateUserRequest

4 properties

JSON SCHEMA

ErrorResponse

5 properties

JSON SCHEMA

ExpenseReport

3 properties

JSON SCHEMA

IncomeVerification

3 properties

JSON SCHEMA

TokenResponse

3 properties

JSON SCHEMA

Transaction

10 properties

JSON SCHEMA

TransactionListResponse

4 properties

JSON SCHEMA

User

6 properties

JSON SCHEMA

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JSON Structure 13

JSON Structure definitions describing this provider's data shapes.

Account

0 properties

JSON STRUCTURE

Accountlistresponse

0 properties

JSON STRUCTURE

Connection

0 properties

JSON STRUCTURE

Connectionlistresponse

0 properties

JSON STRUCTURE

Createconnectionrequest

0 properties

JSON STRUCTURE

Createuserrequest

0 properties

JSON STRUCTURE

Errorresponse

0 properties

JSON STRUCTURE

Expensereport

0 properties

JSON STRUCTURE

Incomeverification

0 properties

JSON STRUCTURE

Tokenresponse

0 properties

JSON STRUCTURE

Transaction

0 properties

JSON STRUCTURE

Transactionlistresponse

0 properties

JSON STRUCTURE

User

0 properties

JSON STRUCTURE

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Examples 13

Example request and response payloads for these APIs.

Account

5 fields

EXAMPLE

Accountlistresponse

3 fields

EXAMPLE

Connection

4 fields

EXAMPLE

Connectionlistresponse

3 fields

EXAMPLE

Createconnectionrequest

3 fields

EXAMPLE

Createuserrequest

4 fields

EXAMPLE

Errorresponse

5 fields

EXAMPLE

Expensereport

3 fields

EXAMPLE

Incomeverification

3 fields

EXAMPLE

Tokenresponse

3 fields

EXAMPLE

Transaction

5 fields

EXAMPLE

Transactionlistresponse

4 fields

EXAMPLE

User

5 fields

EXAMPLE

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Security Posture 2

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

Basiq Authentication

http · 1 scheme

SECURITY

Basiq Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

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

Basiq Agentic Access

14 operations · 5 acting

AGENTIC

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

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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

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/basiq.png
tags:
- Australia
- Banking
- CDR
- Financial Data
- Fintech
- Open Banking
- Transaction
tags_raw:
- 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: '0.23'
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:
  - Account
  tags_raw:
  - 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:
  - Transaction
  tags_raw:
  - 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:
  - User
  tags_raw:
  - 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: CapabilityMap
  url: capabilities/basiq-capability-edges.yml
  name: Basiq Business Capability Map
- 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

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