BCU Bank

BCU Bank is a customer-owned banking brand operated by Police & Nurses Limited (ABN 69 087 651 876), the mutual bank formed when Bananacoast Community Credit Union merged into the P&N Group. Headquartered on the New South Wales north coast, BCU serves retail and business members with everyday accounts, savings, home and personal lending, and cards. As an Authorised Deposit-taking Institution, BCU is a Consumer Data Right (CDR) Data Holder that exposes a public, unauthenticated Product Reference Data (PRD) API under the DSB Consumer Data Standards, and supports consumer data sharing to accredited data recipients through the CDR consent and Open Banking model. BCU does not run a general-purpose developer portal; its programmatic surface is the standards-based CDR banking API.

BCU Bank 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 Data Right.

BCU Bank’s developer surface includes authentication, documentation, API reference, engineering blog, support, and 25 more developer resources.

🌐 Visit website 📡 Source on GitHub

49.9/100 developing ▬ flat Agent 72/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

7 APIs 1 MCP Servers

FinancialBanksOpen BankingCDRConsumer Data RightConsumer BankingMutual BankAustralia

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 49.9/100 · developing

Contract Quality 13.4 / 25

Developer Ergonomics 9.6 / 20

Commercial Clarity 5.8 / 20

Operational Transparency 2.4 / 13

Governance 0.0 / 12

Discoverability 10.0 / 10

Agent readiness — 72/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 15 / 15

MCP Server 12 / 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 4 / 4

Consent & Bot Identity 3 / 3

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/bcu-bank: 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 7

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

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Bcu Bank Scopes

5 scopes · authorizationCode

5 scopes

SCOPES

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 6

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

WellKnown

MCPServer

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Conformance

Lifecycle

DataModel

Access & Security 7

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Security

SecurityTxt

Authentication

OAuthScopes

Compliance

Scroll for all 7

Operate 3

Status, limits, changes, and where to get help

Deprecation

Deprecation

Support

Support

Contact

Contact

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

Website

About

About

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: bcu-bank
url: https://raw.githubusercontent.com/api-evangelist/bcu-bank/refs/heads/main/apis.yml
name: BCU Bank
kind: company
description: BCU Bank is a customer-owned banking brand operated by Police & Nurses Limited (ABN 69 087 651 876), the mutual
  bank formed when Bananacoast Community Credit Union merged into the P&N Group. Headquartered on the New South Wales north
  coast, BCU serves retail and business members with everyday accounts, savings, home and personal lending, and cards. As
  an Authorised Deposit-taking Institution, BCU is a Consumer Data Right (CDR) Data Holder that exposes a public, unauthenticated
  Product Reference Data (PRD) API under the DSB Consumer Data Standards, and supports consumer data sharing to accredited
  data recipients through the CDR consent and Open Banking model. BCU does not run a general-purpose developer portal; its
  programmatic surface is the standards-based CDR banking API.
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/bcu-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Mutual Bank
- Australia
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: bcu-bank:bcu-bank-banking-account-balances-api
  name: BCU Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  baseURL: https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/bcu-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Documentation
    url: https://www.bcu.com.au/consumer-data-right-policy/
  - 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: bcu-bank:bcu-bank-banking-account-direct-debits-api
  name: BCU Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  baseURL: https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/bcu-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Documentation
    url: https://www.bcu.com.au/consumer-data-right-policy/
  - 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: bcu-bank:bcu-bank-banking-account-scheduled-payments-api
  name: BCU Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  baseURL: https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/bcu-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Documentation
    url: https://www.bcu.com.au/consumer-data-right-policy/
  - 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: bcu-bank:bcu-bank-banking-account-transactions-api
  name: BCU Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  baseURL: https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/bcu-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Documentation
    url: https://www.bcu.com.au/consumer-data-right-policy/
  - 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: bcu-bank:bcu-bank-banking-accounts-api
  name: BCU Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  baseURL: https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/bcu-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Documentation
    url: https://www.bcu.com.au/consumer-data-right-policy/
  - 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: bcu-bank:bcu-bank-banking-payees-api
  name: BCU Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  baseURL: https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/bcu-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Documentation
    url: https://www.bcu.com.au/consumer-data-right-policy/
  - 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: bcu-bank:bcu-bank-banking-products-api
  name: BCU Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  baseURL: https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/bcu-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Documentation
    url: https://www.bcu.com.au/consumer-data-right-policy/
  - 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: VulnerabilityDisclosure
  url: security/bcu-bank-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/bcu-bank-domain-security.yml
- type: AgenticAccess
  url: agentic-access/bcu-bank-agentic-access.yml
- type: Security
  url: well-known/bcu-bank-security.txt
- type: SecurityTxt
  url: well-known/bcu-bank-security.txt
- type: WellKnown
  url: well-known/bcu-bank-well-known.yml
- type: Authentication
  url: authentication/bcu-bank-authentication.yml
- type: OAuthScopes
  url: scopes/bcu-bank-scopes.yml
- type: Conventions
  url: conventions/bcu-bank-conventions.yml
- type: ErrorCatalog
  url: errors/bcu-bank-problem-types.yml
- type: Conformance
  url: conformance/bcu-bank-conformance.yml
- type: Compliance
  url: https://www.bcu.com.au/consumer-data-right-policy/
- type: Lifecycle
  url: lifecycle/bcu-bank-lifecycle.yml
- type: Deprecation
  url: lifecycle/bcu-bank-lifecycle.yml
- type: DataModel
  url: data-model/bcu-bank-data-model.yml
- type: MCPServer
  url: mcp/bcu-bank-mcp.yml
- type: Overlay
  url: overlays/bcu-bank-cds-banking-products-overlay.yaml
- type: LLMsTxt
  url: llms/bcu-bank-llms.txt
- type: AgentSkill
  url: skills/bcu-bank-lookup-products.md
- type: AgentSkill
  url: skills/bcu-bank-retrieve-accounts-and-transactions.md
- type: Website
  url: https://www.bcu.com.au/
- type: About
  url: https://www.bcu.com.au/about/
- type: Documentation
  url: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api
- type: LinkedIn
  url: https://www.linkedin.com/company/bcu
- type: Blog
  url: https://www.bcu.com.au/news-and-media/
- type: TermsOfService
  url: https://www.bcu.com.au/important-information/terms-and-conditions/
- type: PrivacyPolicy
  url: https://www.bcu.com.au/important-information/privacy/
- type: Support
  url: https://www.bcu.com.au/help-centre/
- type: Contact
  url: https://www.bcu.com.au/contact/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

BCU Bank

Kin Score

APIs 7

BCU Bank Banking Account Balances API

BCU Bank Banking Account Direct Debits API

BCU Bank Banking Account Scheduled Payments API

BCU Bank Banking Account Transactions API

BCU Bank Banking Accounts API

BCU Bank Banking Payees API

BCU Bank Banking Products API

MCP Servers 1

bcu-bank-mcp.yml

Security Posture 3

Bcu Bank Authentication

Bcu Bank Domain Security

Bcu Bank Vulnerability Disclosure