Beyond Bank Australia website screenshot

Beyond Bank Australia

Beyond Bank Australia Limited (ABN 15 087 651 143, AFSL/Australian Credit Licence 237856) is one of the country's largest customer-owned (mutual) banks, owned by its members rather than shareholders, and the first bank in Australia to become a certified B Corp. It serves roughly 280,000 members from around 56 branches across South Australia, Victoria, the ACT, Western Australia, and New South Wales, with more than nine billion dollars in funds under management, offering everyday accounts, savings, term deposits, loans, insurance, and financial planning. As an Authorised Deposit-taking Institution (ADI) it participates in Australia's Consumer Data Right (CDR / Open Banking), exposing a public, unauthenticated Product Reference Data (PRD) API built to the Data Standards Body (DSB) Consumer Data Standards; consumer data sharing beyond product reference data requires accredited data recipient status and the CDR OAuth2/OIDC FAPI authorization model.

Beyond Bank Australia 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 Banking.

Beyond Bank Australia’s developer surface includes authentication, documentation, API reference, getting-started guide, engineering blog, support, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub
47.7/100 developing ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer BankingAustraliaCustomer OwnedProduct Reference Data

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 47.7/100 · developing
Contract Quality 14.0 / 25
Developer Ergonomics 13.5 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 1.0 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 65/100 · 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 0 / 4
Consent & Bot Identity 0 / 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/beyond-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.

Beyond Bank Australia Banking Account Balances API

Banking Account Balance endpoints

Beyond Bank Australia Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Beyond Bank Australia Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Beyond Bank Australia Banking Account Transactions API

Banking Account Transaction endpoints

Beyond Bank Australia Banking Accounts API

Banking Account endpoints

Beyond Bank Australia Banking Payees API

Banking Payee endpoints

Beyond Bank Australia Banking Products API

Banking Product endpoints

Scroll for all 7

MCP Servers 1

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

beyond-bank-mcp.yml

MCP SERVER

Security Posture 2

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

Beyond Bank Authentication

none/oauth2/openIdConnect/mutualTLS · 4 schemes

SECURITY

Beyond Bank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Beyond Bank Scopes

5 scopes · authorizationCode

5 scopes

SCOPES

Agentic Access 1

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

Beyond Bank Agentic Access

19 operations · 3 acting

19 operations · 3 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 DataModel
DataModel
 Lifecycle
Lifecycle

Access & Security 3

Authentication, authorization, and security posture

Authentication
Authentication
 OAuthScopes
OAuthScopes
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support
Support
 Deprecation
Deprecation

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy
 TermsOfService
TermsOfService

Company 3

The organization behind the API

Website
Website
 Blog
Blog
 LinkedIn
LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: beyond-bank
url: https://raw.githubusercontent.com/api-evangelist/beyond-bank/refs/heads/main/apis.yml
name: Beyond Bank Australia
kind: company
description: Beyond Bank Australia Limited (ABN 15 087 651 143, AFSL/Australian Credit Licence 237856) is one of the country's
  largest customer-owned (mutual) banks, owned by its members rather than shareholders, and the first bank in Australia to
  become a certified B Corp. It serves roughly 280,000 members from around 56 branches across South Australia, Victoria, the
  ACT, Western Australia, and New South Wales, with more than nine billion dollars in funds under management, offering everyday
  accounts, savings, term deposits, loans, insurance, and financial planning. As an Authorised Deposit-taking Institution
  (ADI) it participates in Australia's Consumer Data Right (CDR / Open Banking), exposing a public, unauthenticated Product
  Reference Data (PRD) API built to the Data Standards Body (DSB) Consumer Data Standards; consumer data sharing beyond product
  reference data requires accredited data recipient status and the CDR OAuth2/OIDC FAPI authorization model.
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/beyond-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Customer Owned
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: beyond-bank:beyond-bank-banking-account-balances-api
  name: Beyond Bank Australia Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  baseURL: https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/beyond-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/
  - 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
- aid: beyond-bank:beyond-bank-banking-account-direct-debits-api
  name: Beyond Bank Australia Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  baseURL: https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/beyond-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/
  - 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
- aid: beyond-bank:beyond-bank-banking-account-scheduled-payments-api
  name: Beyond Bank Australia Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  baseURL: https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/beyond-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/
  - 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
- aid: beyond-bank:beyond-bank-banking-account-transactions-api
  name: Beyond Bank Australia Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  baseURL: https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/beyond-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/
  - 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
- aid: beyond-bank:beyond-bank-banking-accounts-api
  name: Beyond Bank Australia Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  baseURL: https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/beyond-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/
  - 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
- aid: beyond-bank:beyond-bank-banking-payees-api
  name: Beyond Bank Australia Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  baseURL: https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/beyond-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/
  - 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
- aid: beyond-bank:beyond-bank-banking-products-api
  name: Beyond Bank Australia Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  baseURL: https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/beyond-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.beyondbank.com.au/open-banking/
  - 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
common:
- type: AgenticAccess
  url: agentic-access/beyond-bank-agentic-access.yml
- type: Authentication
  url: authentication/beyond-bank-authentication.yml
- type: OAuthScopes
  url: scopes/beyond-bank-scopes.yml
- type: DomainSecurity
  url: security/beyond-bank-domain-security.yml
- type: Website
  url: https://www.beyondbank.com.au/
- type: DeveloperPortal
  url: https://www.beyondbank.com.au/open-banking/beyond-bank-product-apis/
- type: Documentation
  url: https://www.beyondbank.com.au/open-banking/
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
- type: GettingStarted
  url: https://www.beyondbank.com.au/open-banking/product-api.html
- type: Blog
  url: https://www.beyondbank.com.au/blog/
- type: LinkedIn
  url: https://www.linkedin.com/company/beyond-bank-australia
- type: PrivacyPolicy
  url: https://www.beyondbank.com.au/privacy/
- type: TermsOfService
  url: https://www.beyondbank.com.au/terms-of-use/
- type: Support
  url: https://www.beyondbank.com.au/help-and-contact/
- type: Overlay
  url: overlays/beyond-bank-cds-banking-products-overlay.yaml
- type: MCPServer
  url: mcp/beyond-bank-mcp.yml
- type: LLMsTxt
  url: llms/beyond-bank-llms.txt
- type: AgentSkill
  url: skills/beyond-bank-lookup-banking-products.md
- type: Conventions
  url: conventions/beyond-bank-conventions.yml
- type: Conformance
  url: conformance/beyond-bank-conformance.yml
- type: ErrorCatalog
  url: errors/beyond-bank-problem-types.yml
- type: DataModel
  url: data-model/beyond-bank-data-model.yml
- type: Lifecycle
  url: lifecycle/beyond-bank-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#version-control
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com