Bendigo and Adelaide Bank

Bendigo and Adelaide Bank Limited (ASX:BEN) is one of Australia's largest retail banks, formed by the 2007 merger of the community-focused Bendigo Bank and the wholesale-strong Adelaide Bank, and headquartered in Bendigo, Victoria. The group serves millions of customers through the Bendigo Bank, Adelaide Bank, Rural Bank, and Up (neobank) brands, with a distinctive Community Bank branch-franchise model. As an authorised deposit-taking institution and accredited Consumer Data Right (CDR) data holder, the bank exposes public, unauthenticated Product Reference Data (PRD) APIs conforming to the Australian Consumer Data Standards, alongside the authenticated CDR consumer data-sharing surface governed by the ACCC/DSB rules.

Bendigo and Adelaide Bank publishes 14 API contracts indexed on the APIs.io network, including Accounts API, Attachments API, Banking Account Balances API, and 11 more. Tagged areas include Finance, Banks, Open Banking, CDR, and Consumer Data Right.

The Bendigo and Adelaide Bank catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

Bendigo and Adelaide Bank’s developer surface includes changelog, developer portal, documentation, support, engineering blog, authentication, and 43 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

56.4/100 strong ▬ flat Agent 50/100 agent ready Front door AI 1/6 silent Heartbeat 67/100 alive open core · MIT Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

2 published contracts 4 Agent Skills

Finance Banks Open Banking CDR Consumer Data Right Consumer Banking Australia Product Reference Data

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Personal Finance & Consumer Money

AE-190

Banking Account BalancesBanking Account Direct DebitsBanking Account TransactionsBanking AccountsTransactions

GET /banking/accounts/balances GET /banking/accounts/{accountId}/transactions GET /banking/accounts/{accountId}/direct-debits GET /banking/accounts

Payments & Card Management

BC-1340

Banking Account Scheduled PaymentsBanking Payees

GET /banking/payments/scheduled GET /banking/payees

Banking Product Management

BC-1310

Banking Products

GET /banking/products

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 56.4/100 · strong

Contract Quality 13.0 / 19

Developer Ergonomics 8.8 / 15

Access Clarity 2.6 / 15

Operational Transparency 7.4 / 10

Contract Governance 3.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 6.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 50/100 · agent ready

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 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 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 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service, OR (0.27) a live x402 payment challenge from _data/x402-adoption.json — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's

3 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 17.1 — up to +16.6 composite points
Developer Ergonomics scores 58.9 — up to +8.2 composite points
Contract Quality scores 69.1 — up to +7.7 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/bendigo-and-adelaide-bank/apis.yml: open an issue on github.com/api-evangelist/bendigo-and-adelaide-bank to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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
Australia Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending)	regulated	57.5	-	-
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	regulated	57.5	-	-

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 6

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.

Consumer Data Standards

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Dynamic Client Registration

measured — observed by APIs.io (published)

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

OpenID Connect

measured — observed by APIs.io (declared)

Mutual TLS

measured — observed by APIs.io (declared)

APIs 14

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

Bendigo and Adelaide Bank Accounts API

Accounts represent the underlying store used to track balances and the transactions that have occurred to modify those balances over time. Up currently has three types of accoun...

Bendigo and Adelaide Bank Attachments API

Attachments represent uploaded files that are attached to transactions, these are commonly receipts.

Bendigo and Adelaide Bank Banking Account Balances API

Banking Account Balance endpoints

Bendigo and Adelaide Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Bendigo and Adelaide Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Bendigo and Adelaide Bank Banking Account Transactions API

Banking Account Transaction endpoints

Bendigo and Adelaide Bank Banking Accounts API

Banking Account endpoints

Bendigo and Adelaide Bank Banking Payees API

Banking Payee endpoints

Bendigo and Adelaide Bank Banking Products API

Banking Product endpoints

Bendigo and Adelaide Bank Categories API

Categories enable understanding where your money goes by driving powerful insights in Up. All categories in Up are pre-defined and are automatically assigned to new purchases in...

Bendigo and Adelaide Bank Tags API

Tags are custom labels that can be associated with transactions on Up. Within the Up application, tags provide additional insight into spending. For example, you could have a "T...

Bendigo and Adelaide Bank Transactions API

Transactions represent the movement of money into and out of an account. They have many characteristics that vary depending on the kind of transaction. Transactions may be tempo...

Bendigo and Adelaide Bank Utility endpoints API

Some endpoints exist not to expose data, but to test the API itself. Currently there is only one endpoint in this group: ping!

Bendigo and Adelaide Bank Webhooks API

Webhooks provide a mechanism for a configured URL to receive events when transaction activity occurs on Up. You can think of webhooks as being like push notifications for your s...

Scroll for all 14

CDR Banking Accounts Webhooks API

OPEN COLLECTION

Rate limits

CDR public (unauthenticated) traffic: 300 TPS total across all consumers (additive to secure traffic)
CDR customer present - per customer: 10 TPS per customer
CDR customer present - per software product: 50 TPS per Data Recipient Software Product

All 8 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Bendigo And Adelaide Bank Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Bendigo And Adelaide Bank Rate Limits

8 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Bendigo and Adelaide Bank

SLA

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Up Developer API Webhooks

Real-time webhook event callbacks delivered by Up to a subscriber-configured HTTPS URL when transaction activity occurs on an Up account. Each delivery carries an X-Up-Authentic...

ASYNCAPI

Semantic Vocabularies 1

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

Bendigo And Adelaide Bank Context

120 classes · 289 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Bendigo and Adelaide Bank API Rules

15 rules · 12 errors 1 warnings 2 info

SPECTRAL

OpenAPI Overlays 16

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.

Bendigo And Adelaide Bank Accounts Api Overlay

OAuth scopes governing access to this provider's APIs.

Bendigo And Adelaide Bank Scopes

10 scopes · authorizationCode/clientCredentials

10 scopes

SCOPES

Agentic Access 1

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

Bendigo And Adelaide Bank Agentic Access

39 operations · 6 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Portal

Portal

Login

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LLMsTxt

LLMsTxt

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

ErrorCatalog

Conformance

ErrorCatalog

Lifecycle

Conventions

DataModel

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Build 4

SDKs, sample code, and the tooling you integrate with

IntegrationEdges

IntegrationEdges

SDKs

SDKs

GitHubOrganization

GitHubOrganization

Packages

Packages

Access & Security 5

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Authentication

OAuthScopes

Security

Operate 6

Status, limits, changes, and where to get help

RateLimits

ChangeLog

IssueTracker

Support

HelpCenter

Deprecation

Commercial 3

Pricing, plans, and the legal terms of use

License

License

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 5

The organization behind the API

Website

Website

CorporateWebsite

CorporateWebsite

InvestorRelations

InvestorRelations

Blog

Blog

Newsroom

Newsroom

Other 8

Properties that don't map to a standard resource type

Overlay

Hosts

Vendors

Leadership

CapabilityMap

ConsumerDataRight

ConsumerDataRight

APIStandards

APIStandards

CDRPolicy

CDRPolicy

Scroll for all 8

Source (apis.yml)

aid: bendigo-and-adelaide-bank
url: https://raw.githubusercontent.com/api-evangelist/bendigo-and-adelaide-bank/refs/heads/main/apis.yml
name: Bendigo and Adelaide Bank
kind: company
description: Bendigo and Adelaide Bank Limited (ASX:BEN) is one of Australia's largest retail banks, formed by the 2007 merger
  of the community-focused Bendigo Bank and the wholesale-strong Adelaide Bank, and headquartered in Bendigo, Victoria. The
  group serves millions of customers through the Bendigo Bank, Adelaide Bank, Rural Bank, and Up (neobank) brands, with a
  distinctive Community Bank branch-franchise model. As an authorised deposit-taking institution and accredited Consumer Data
  Right (CDR) data holder, the bank exposes public, unauthenticated Product Reference Data (PRD) APIs conforming to the Australian
  Consumer Data Standards, alongside the authenticated CDR consumer data-sharing surface governed by the ACCC/DSB rules.
deliveryModel:
  model: open-core
  license: MIT
  open_source: true
  commercial: true
  callable_host: false
  label: Open core · an OSS project plus a commercial hosted product
  confidence: high
  source:
  - license
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: covered
  source:
  - authentication
  - scopes
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bendigo-and-adelaide-bank.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Product Reference Data
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Product Reference Data
created: '2026-07-20'
modified: '2026-10-20'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: AgenticAccess
  url: agentic-access/bendigo-and-adelaide-bank-agentic-access.yml
- type: RateLimits
  url: rate-limits/bendigo-and-adelaide-bank-rate-limits.yml
- type: Spectral
  url: rules/bendigo-and-adelaide-bank-rules.yml
- type: JSONLD
  url: json-ld/bendigo-and-adelaide-bank-context.jsonld
- type: Vocabulary
  url: vocabulary/bendigo-and-adelaide-bank-vocabulary.yml
- type: ChangeLog
  url: changelog/bendigo-and-adelaide-bank-changelog.yml
- type: ErrorCatalog
  url: errors/bendigo-and-adelaide-bank-error-codes.yml
- type: Overlay
  url: overlays/bendigo-and-adelaide-bank-accounts-api-overlay.yaml
- type: LLMsTxt
  url: llms/bendigo-and-adelaide-bank-up-llms.txt
- type: Hosts
  url: hosts/bendigo-and-adelaide-bank-hosts.yml
- type: IntegrationEdges
  url: integrations/bendigo-and-adelaide-bank-integration-edges.yml
- type: Vendors
  url: vendors/bendigo-and-adelaide-bank-vendors.yml
- type: SDKs
  url: packages/bendigo-and-adelaide-bank-packages.yml
- type: Leadership
  url: https://www.bendigobank.com.au/about-us/leadership/
- type: CapabilityMap
  url: capabilities/bendigo-and-adelaide-bank-capability-edges.yml
  name: Bendigo and Adelaide Bank Business Capability Map
- type: IssueTracker
  url: https://github.com/up-banking/api/issues
- type: License
  name: MIT
  url: https://github.com/up-banking/api/blob/master/LICENSE
- type: VulnerabilityDisclosure
  url: security/bendigo-and-adelaide-bank-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/bendigo-and-adelaide-bank-domain-security.yml
- type: Website
  url: https://www.bendigobank.com.au/
- type: CorporateWebsite
  url: https://www.bendigoadelaide.com.au/
- type: DeveloperPortal
  url: https://www.bendigoadelaide.com.au/banking-products-api/
- type: Portal
  url: https://developer.up.com.au/
- type: ConsumerDataRight
  url: https://www.bendigobank.com.au/open-banking/
- type: Documentation
  url: https://www.bendigoadelaide.com.au/banking-products-api/
- type: APIStandards
  url: https://consumerdatastandardsaustralia.github.io/standards/
- type: TermsOfService
  url: https://www.bendigobank.com.au/terms-of-use/
- type: PrivacyPolicy
  url: https://www.bendigobank.com.au/privacy-policy/
- type: CDRPolicy
  url: https://www.bendigobank.com.au/privacy-policy/consumer-data-right-policy/
- type: Support
  url: https://www.bendigobank.com.au/contact-us/
- type: HelpCenter
  url: https://www.bendigobank.com.au/support/
- type: Login
  url: https://app.bendigobank.com.au/
- type: InvestorRelations
  url: https://www.bendigobank.com.au/about-us/investor-centre/
- type: Blog
  url: https://www.bendigobank.com.au/blog/
- type: Newsroom
  url: https://www.bendigobank.com.au/media/
- type: GitHubOrganization
  url: https://github.com/bendigoadelaide
- type: Authentication
  url: authentication/bendigo-and-adelaide-bank-authentication.yml
- type: OAuthScopes
  url: scopes/bendigo-and-adelaide-bank-scopes.yml
- type: WellKnown
  url: well-known/bendigo-and-adelaide-bank-well-known.yml
- type: Conformance
  url: conformance/bendigo-and-adelaide-bank-conformance.yml
- type: ErrorCatalog
  url: errors/bendigo-and-adelaide-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/bendigo-and-adelaide-bank-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Conventions
  url: conventions/bendigo-and-adelaide-bank-conventions.yml
- type: DataModel
  url: data-model/bendigo-and-adelaide-bank-data-model.yml
- type: Packages
  url: packages/bendigo-and-adelaide-bank-packages.yml
- type: X-MCPServerCandidate
  url: mcp/bendigo-and-adelaide-bank-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: Security
  url: https://www.bendigobank.com.au/security/
apis:
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-accounts-api
  name: Bendigo and Adelaide Bank Accounts API
  description: 'Accounts represent the underlying store used to track balances

    and the transactions that have occurred to modify those balances

    over time. Up currently has three types of account: `SAVER`—used to

    earn interest and to hit savings goals, `TRANSACTIONAL`—used

    for everyday spending, and `HOME_LOAN`-for those with an Up Home loan.'
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-accounts-api-openapi.yml
  - type: OpenAPI
    name: OpenAPI (provider-hosted)
    url: https://raw.githubusercontent.com/up-banking/api/master/v1/openapi.json
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: GettingStarted
    url: https://developer.up.com.au/#getting_started
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-list-accounts-response-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-get-account-response-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-attachments-api
  name: Bendigo and Adelaide Bank Attachments API
  description: Attachments represent uploaded files that are attached to transactions, these are commonly receipts.
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Attachments
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-attachments-api-openapi.yml
  - type: OpenAPI
    name: OpenAPI (provider-hosted)
    url: https://raw.githubusercontent.com/up-banking/api/master/v1/openapi.json
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: GettingStarted
    url: https://developer.up.com.au/#getting_started
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-list-attachments-response-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-get-attachment-response-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-banking-account-balances-api
  name: Bendigo and Adelaide Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.bendigoadelaide.com.au/banking-products-api/
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: SignupURL
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-accounts-balance-list-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-accounts-balance-by-id-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-banking-account-direct-debits-api
  name: Bendigo and Adelaide Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.bendigoadelaide.com.au/banking-products-api/
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: SignupURL
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-direct-debit-authorisation-list-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-banking-account-scheduled-payments-api
  name: Bendigo and Adelaide Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.bendigoadelaide.com.au/banking-products-api/
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: SignupURL
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-scheduled-payments-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-instalment-plan-list-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-banking-account-transactions-api
  name: Bendigo and Adelaide Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.bendigoadelaide.com.au/banking-products-api/
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: SignupURL
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-transaction-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-transaction-by-id-v3-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-banking-accounts-api
  name: Bendigo and Adelaide Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.bendigoadelaide.com.au/banking-products-api/
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: SignupURL
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-account-list-v3-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-account-by-id-v5-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-banking-payees-api
  name: Bendigo and Adelaide Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.bendigoadelaide.com.au/banking-products-api/
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: SignupURL
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-payee-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-payee-by-id-v2-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-banking-products-api
  name: Bendigo and Adelaide Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.bendigoadelaide.com.au/banking-products-api/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: SignupURL
    url: https://www.bendigoadelaide.com.au/banking-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-product-list-v4-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-response-banking-product-by-id-v7-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-categories-api
  name: Bendigo and Adelaide Bank Categories API
  description: 'Categories enable understanding where your money goes by driving

    powerful insights in Up. All categories in Up are pre-defined

    and are automatically assigned to new purchases in most cases. A

    parent-child relationship is used to represent categories,

    however parent categories cannot be directly assigned to

    transactions.'
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Categories
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-categories-api-openapi.yml
  - type: OpenAPI
    name: OpenAPI (provider-hosted)
    url: https://raw.githubusercontent.com/up-banking/api/master/v1/openapi.json
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: GettingStarted
    url: https://developer.up.com.au/#getting_started
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-update-transaction-category-request-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-list-categories-response-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-get-category-response-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-tags-api
  name: Bendigo and Adelaide Bank Tags API
  description: 'Tags are custom labels that can be associated with transactions

    on Up. Within the Up application, tags provide additional insight

    into spending. For example, you could have a "Take Away" tag that

    you apply to purchases from food delivery services. The Up API

    allows you to manage the tags associated with transactions. Each

    transaction may have up to 6 tags.


    Tags are identified by their labels, which are unique strings,

    so the tag "Holiday" has also the `id` `"Holiday"`.'
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Tags
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-tags-api-openapi.yml
  - type: OpenAPI
    name: OpenAPI (provider-hosted)
    url: https://raw.githubusercontent.com/up-banking/api/master/v1/openapi.json
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: GettingStarted
    url: https://developer.up.com.au/#getting_started
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-list-tags-response-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-update-transaction-tags-request-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-transactions-api
  name: Bendigo and Adelaide Bank Transactions API
  description: 'Transactions represent the movement of money into and out of an

    account. They have many characteristics that vary depending on

    the kind of transaction. Transactions may be temporarily `HELD`

    (pending) or `SETTLED`, typically depending on which payment

    method was used at the point of sale.'
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-transactions-api-openapi.yml
  - type: OpenAPI
    name: OpenAPI (provider-hosted)
    url: https://raw.githubusercontent.com/up-banking/api/master/v1/openapi.json
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: GettingStarted
    url: https://developer.up.com.au/#getting_started
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-list-transactions-response-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-get-transaction-response-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-utility-endpoints-api
  name: Bendigo and Adelaide Bank Utility endpoints API
  description: 'Some endpoints exist not to expose data, but to test the API

    itself. Currently there is only one endpoint in this group: ping!'
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Utility Endpoints
  tags_raw:
  - Utility endpoints
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-utility-endpoints-api-openapi.yml
  - type: OpenAPI
    name: OpenAPI (provider-hosted)
    url: https://raw.githubusercontent.com/up-banking/api/master/v1/openapi.json
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: GettingStarted
    url: https://developer.up.com.au/#getting_started
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-ping-response-schema.json
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-webhooks-api
  name: Bendigo and Adelaide Bank Webhooks API
  description: 'Webhooks provide a mechanism for a configured URL to receive

    events when transaction activity occurs on Up. You can think of

    webhooks as being like push notifications for your server-side

    application.'
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-webhooks-api-openapi.yml
  - type: OpenAPI
    name: OpenAPI (provider-hosted)
    url: https://raw.githubusercontent.com/up-banking/api/master/v1/openapi.json
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: GettingStarted
    url: https://developer.up.com.au/#getting_started
  - type: AsyncAPI
    url: asyncapi/bendigo-and-adelaide-bank-up-webhooks-asyncapi.yml
  - type: Webhooks
    url: asyncapi/bendigo-and-adelaide-bank-up-webhooks-asyncapi.yml
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-list-webhook-delivery-logs-response-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-list-webhooks-response-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-webhook-event-callback-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-create-webhook-request-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-get-webhook-response-schema.json
  - type: JSONSchema
    url: json-schema/bendigo-and-adelaide-bank-create-webhook-response-schema.json
x-coverage:
  state: covered
  reason: identity-verified
  detail: Identity pass 2026-10-20. Website and corporate site verified live; dead pointers (/cdr/, /legal/terms-and-conditions/,
    /privacy/, bendigoadelaide.com.au/media-centre/ — all soft-404 "Page not found" bodies) replaced with live pages found
    on the site or via search.
  evidence:
  - url: https://www.bendigobank.com.au/
    status: 200
  - url: https://www.bendigoadelaide.com.au/
    status: 200
  - url: https://www.bendigoadelaide.com.au/banking-products-api/
    status: 200
  - url: https://www.bendigobank.com.au/open-banking/
    status: 200
  - url: https://www.bendigobank.com.au/cdr/
    status: 404
    note: soft-404 (200 with Page not found body)
  - url: https://www.bendigobank.com.au/terms-of-use/
    status: 200
  - url: https://www.bendigobank.com.au/privacy-policy/
    status: 200
  - url: https://www.bendigobank.com.au/blog/
    status: 200
  - url: https://www.bendigobank.com.au/media/
    status: 200
  - url: https://www.bendigobank.com.au/support/
    status: 200
  - url: https://app.bendigobank.com.au/
    status: 200
  - url: https://github.com/bendigoadelaide
    status: 200
  - url: https://www.bendigobank.com.au/contact-us/
    status: 200
  - url: https://www.bendigobank.com.au/about-us/investor-centre/
    status: 200
  - url: https://www.bendigobank.com.au/privacy-policy/consumer-data-right-policy/
    status: 200
  - url: https://www.bendigobank.com.au/about-us/leadership/
    status: 200
  - url: https://www.bendigobank.com.au/security/
    status: 200
  - url: https://developer.up.com.au/
    status: 200
  - url: https://github.com/up-banking/api
    status: 200
  - url: https://github.com/up-banking/api/issues
    status: 200
  - url: https://consumerdatastandardsaustralia.github.io/standards/
    status: 200
x-enrichment:
  date: '2026-10-20'
  status: enriched
  artifacts_added: 61
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

Bendigo and Adelaide Bank API — frequently asked questions

Does Bendigo and Adelaide Bank have an API?

Yes. APIs.io lists 14 APIs from Bendigo and Adelaide Bank, including Bendigo and Adelaide Bank Accounts API, Bendigo and Adelaide Bank Attachments API and Bendigo and Adelaide Bank Banking Account Balances API, and 11 more.

Is there an OpenAPI specification for the Bendigo and Adelaide Bank API?

Yes. APIs.io indexes 14 OpenAPI specifications for Bendigo and Adelaide Bank, each linked for download from this page.

How do I authenticate with the Bendigo and Adelaide Bank API?

Bendigo and Adelaide Bank documents its authentication (none/openIdConnect/oauth2/mutualTLS · 3 schemes). The details are profiled on APIs.io as Bendigo And Adelaide Bank Authentication.

Is the Bendigo and Adelaide Bank API ready for AI agents?

Bendigo and Adelaide Bank has a Kin Score of 56.4 out of 100 (strong) and an Agent Readiness score of 49.5 (agent-ready), scored by API Evangelist on 2026-11-06.

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