# Commonwealth Bank **Canonical:** https://apis.io/providers/commonwealth-bank/ **Website:** https://www.commbank.com.au/ **APIs profiled:** 25 Commonwealth Bank of Australia (CBA) is Australia's largest bank by market capitalization, a "Big Four" authorised deposit-taking institution (ADI) regulated by APRA and listed on the ASX (CBA), providing retail, business, and institutional banking. CBA serves millions of customers through NetBank online banking, the CommBank mobile app, CommBiz for business, and CommBank Yello loyalty. As a designated data holder under Australia's Consumer Data Right (CDR / Open Banking) regime, CommBank exposes a PUBLIC, unauthenticated Product Reference Data (PRD) API and a full set of consumer-AUTHORIZED CDR Banking endpoints (accounts, balances, transactions, direct debits, scheduled payments, payees, customer) conforming to the DSB Consumer Data Standards CDR Banking API v1.36.0. The bank publishes its own first-party Swagger 2.0 specifications for each of these families on its developer portal, and additionally documents a business API catalogue (Fast Payment / NPP credit transfer initiation, NameCheck, PayTo) and a hosted merchant Payment Gateway. ## Kin Score — 44.1 / 100 (developing) Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 44.1). | Facet | Score | |---|---| | Discoverability | 66.7 | | Contract Quality | 12.9 | | Governance | 30.3 | | Contract Governance | 30.3 | | Operational Transparency | 36.8 | | Developer Ergonomics | 58.9 | | Commercial Clarity | 35.5 | | Access Clarity | 35.5 | Regulatory layer — **Banking & Open Finance**: 77.2 (matched via tags). ## Agent readiness — 40.0 (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 | verified | | 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 (25) - **Commonwealth Bank Fast Payment (Credit Transfer Initiation) API** — Documented in CommBank's business API catalogue as the Credit Transfer Initiation / Fast Payment API: a near real-time capability that lets a business send money to most Austral... - **Commonwealth Bank NameCheck API** — Documented in CommBank's business API catalogue: NameCheck is a security tool that helps organisations and their customers avoid false billing scams and mistaken payments by che... - **Commonwealth Bank PayTo API** — Documented in CommBank's business API catalogue: PayTo is a modern digital payment solution enabling near real-time, account-to-account payments from a customer's bank account o... - **CommBank Payment Gateway API** — CommBank's merchant Payment Gateway exposes a hosted REST API for online card acceptance, authorisation, capture, refunds, tokenisation, and hosted checkout for eCommerce mercha... - **CommBank API Banking for Business** — CommBank API Banking provides programmatic banking interfaces for business customers covering payments, account information, reconciliation, and direct integration with ERP and ... - **CommBiz** — CommBiz is CommBank's business and corporate online banking platform supporting multi-user payments, account management, bulk payments, foreign exchange, file-based banking, tre... - **CommBank International Payments** — CommBank International Payments provides foreign exchange, international money transfer, travel money cards, and overseas payment services for retail and business customers, inc... - **CommBank Merchant Payments** — CommBank provides merchant payment acceptance through EFTPOS terminals, eCommerce gateways, BPAY merchant services, Smart mini and Smart Pos terminals, and online card acceptanc... - **CommBank Mobile App** — The CommBank mobile app is the bank's primary digital channel for personal customers offering account management, transfers, bill payment via BPAY, mobile cheque deposit, PayID,... - **NetBank** — NetBank is CommBank's web-based online banking platform giving personal customers access to account details, transactions, transfers, BPAY payments, statements, card services, a... - **CommBank Yello** — CommBank Yello is the bank's customer recognition and rewards program offering eligible customers exclusive cashback offers, partner discounts, fee waivers, and home loan benefi... - **Commonwealth Bank Accounts API API** — Obtain the list of accounts authorised to be shared by the customer. Account API is a consumer API. To access data you'll need the customer's consent.

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