# Beyond Bank Australia

**Canonical:** https://apis.io/providers/beyond-bank/  
**Website:** https://www.beyondbank.com.au/  
**APIs profiled:** 7

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.

## Kin Score — 44.4 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 44.4).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 58.9 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 60.8 (matched via tags).

## Agent readiness — 34.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| 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 (7)

- **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

## MCP servers (1)

- **Beyond Bank Australia MCP Server**

## Agentic access (1)

- **Beyond Bank Agentic Access** — 19 operations · 3 acting

## Security (2)

- **Beyond Bank Authentication** — none/oauth2/openIdConnect/mutualTLS · 4 schemes
- **Beyond Bank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Customer Owned, Product Reference Data

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