# Bendigo and Adelaide Bank

**Canonical:** https://apis.io/providers/bendigo-and-adelaide-bank/  
**Website:** https://www.bendigobank.com.au/  
**APIs profiled:** 14

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.

## Kin Score — 41.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 41.2).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 57.9 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 35.1 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 58.2 (matched via tags).

## Agent readiness — 42.9 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (14)

- **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...

## MCP servers (1)

- **Bendigo and Adelaide Bank MCP Server**

## Security (3)

- **Bendigo And Adelaide Bank Authentication** — none/openIdConnect/oauth2/mutualTLS · 3 schemes
- **Bendigo And Adelaide Bank Domain Security** — TLSv1.3 · HSTS · DMARC
- **Bendigo And Adelaide Bank Vulnerability Disclosure** — disclosure policy published

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/bendigo-and-adelaide-bank/). Scores are computed from the provider's own public artifacts under a published rubric.