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 APIs on the APIs.io network, including Accounts API, Attachments API, Banking Account Balances API, and 11 more. Tagged areas include Financial, Banks, Open Banking, CDR, and Consumer Data Right.

The Bendigo and Adelaide Bank catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Bendigo and Adelaide Bank’s developer surface includes developer portal, documentation, support, engineering blog, authentication, and 29 more developer resources.

🌐 Visit website 📡 Source on GitHub

40.8/100 developing ▬ flat Agent 44/100 agent ready open core · MIT Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

2 APIs

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

Kin Score

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

Composite quality — 40.8/100 · developing

Contract Quality 10.7 / 19

Developer Ergonomics 7.2 / 15

Access Clarity 0.0 / 15

Operational Transparency 2.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.7 / 8

Regulatory Posture 8.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 44/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 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 0 / 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

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/bendigo-and-adelaide-bank: 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 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

Open Collections 15

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

API Collection

OPEN COLLECTION

CDR Banking Accounts API

OPEN COLLECTION

CDR Banking Accounts Attachments API

OPEN COLLECTION

CDR Banking Accounts Banking Account Balances API

OPEN COLLECTION

CDR Banking Accounts Banking Account Direct Debits API

OPEN COLLECTION

CDR Banking Accounts Banking Account Scheduled Payments API

OPEN COLLECTION

CDR Banking Accounts Banking Account Transactions API

OPEN COLLECTION

CDR Banking Accounts API

OPEN COLLECTION

CDR Banking Accounts Banking Payees API

OPEN COLLECTION

CDR Banking Accounts Banking Products API

OPEN COLLECTION

CDR Banking Accounts Categories API

OPEN COLLECTION

CDR Banking Accounts Tags API

OPEN COLLECTION

CDR Banking Accounts Transactions API

OPEN COLLECTION

CDR Banking Accounts Utility endpoints API

OPEN COLLECTION

CDR Banking Accounts Webhooks API

OPEN COLLECTION

Scroll for all 15

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

Security Posture 3

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

Bendigo And Adelaide Bank Authentication

none/openIdConnect/oauth2/mutualTLS · 3 schemes

SECURITY

Bendigo And Adelaide Bank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Bendigo And Adelaide Bank Vulnerability Disclosure

disclosure policy published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Bendigo And Adelaide Bank Scopes

10 scopes · authorizationCode/clientCredentials

10 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Portal

Portal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

DataModel

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Access & Security 5

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Authentication

OAuthScopes

Security

Operate 3

Status, limits, changes, and where to get help

IssueTracker

IssueTracker

Support

Support

Deprecation

Deprecation

Commercial 3

Pricing, plans, and the legal terms of use

License

License

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

Website

CorporateWebsite

CorporateWebsite

InvestorRelations

InvestorRelations

Blog

Blog

Other 5

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

ConsumerDataRight

APIStandards

Overlay

Overlay

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: 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/bendigo-and-adelaide-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.23'
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://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  tags:
  - Attachments
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-attachments-api-openapi.yml
  - type: Documentation
    url: https://www.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  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.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  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.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  tags:
  - Categories
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-categories-api-openapi.yml
  - type: Documentation
    url: https://www.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  tags:
  - Tags
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-tags-api-openapi.yml
  - type: Documentation
    url: https://www.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  tags:
  - Utility Endpoints
  tags_raw:
  - Utility endpoints
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-utility-endpoints-api-openapi.yml
  - type: Documentation
    url: https://www.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
- 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://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/bendigo-and-adelaide-bank-webhooks-api-openapi.yml
  - type: Documentation
    url: https://www.bendigobank.com.au/cdr/
  - 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: 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: Documentation
    url: https://up.com.au/
common:
- 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/cdr/
- 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/legal/terms-and-conditions/
- type: PrivacyPolicy
  url: https://www.bendigobank.com.au/privacy/
- type: Support
  url: https://www.bendigobank.com.au/contact-us/
- type: InvestorRelations
  url: https://www.bendigoadelaide.com.au/investor-centre/
- type: Blog
  url: https://www.bendigoadelaide.com.au/media-centre/
- 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: Overlay
  url: overlays/bendigo-and-adelaide-bank-cds-banking-products-overlay.yaml
- type: Overlay
  url: overlays/bendigo-and-adelaide-bank-up-developer-api-overlay.yaml
- type: Packages
  url: packages/bendigo-and-adelaide-bank-packages.yml
- type: LLMsTxt
  url: llms/bendigo-and-adelaide-bank-llms.txt
- 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/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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