Defence Bank

Defence Bank Limited is an Australian customer-owned (mutual) bank established in 1975 and headquartered in Melbourne, serving current and former Australian Defence Force personnel, Department of Defence employees, and their families as well as the broader community. As an APRA-regulated Authorised Deposit-taking Institution (ADI), it exists to return value to members rather than external shareholders. Under Australia's Consumer Data Right (CDR / Open Banking), Defence Bank operates as a data holder and exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data Standards; deeper consumer-data sharing requires an accredited data recipient and the OAuth2/OIDC FAPI CDR authorization model.

Defence Bank 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.

Defence Bank’s developer surface includes documentation, engineering blog, support, getting-started guide, authentication, and 17 more developer resources.

🌐 Visit website 📡 Source on GitHub

44.6/100 thin ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

7 APIs 1 MCP Servers

FinancialBanksOpen BankingCDRConsumer BankingAustraliaMutual BankProduct Reference Data

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 44.6/100 · thin

Contract Quality 13.5 / 25

Developer Ergonomics 10.4 / 20

Commercial Clarity 3.7 / 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/defence-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.

MCP Servers 1

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

Scopes 1

OAuth scopes governing access to this provider's APIs.

Defence Bank Scopes

5 scopes · authorizationCode

5 scopes

SCOPES

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

AgentSkill

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

OAuthScopes

Compliance

Operate 2

Status, limits, changes, and where to get help

Support

Support

Deprecation

Deprecation

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: defence-bank
url: https://raw.githubusercontent.com/api-evangelist/defence-bank/refs/heads/main/apis.yml
name: Defence Bank
kind: company
description: Defence Bank Limited is an Australian customer-owned (mutual) bank established in 1975 and headquartered in Melbourne,
  serving current and former Australian Defence Force personnel, Department of Defence employees, and their families as well
  as the broader community. As an APRA-regulated Authorised Deposit-taking Institution (ADI), it exists to return value to
  members rather than external shareholders. Under Australia's Consumer Data Right (CDR / Open Banking), Defence Bank operates
  as a data holder and exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data
  Standards; deeper consumer-data sharing requires an accredited data recipient and the OAuth2/OIDC FAPI CDR 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/defence-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: defence-bank:defence-bank-banking-account-balances-api
  name: Defence Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.defencebank.com.au/tools-and-advice/open-banking/
  baseURL: https://product.defencebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/defence-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.defencebank.com.au/tools-and-advice/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#introduction
- aid: defence-bank:defence-bank-banking-account-direct-debits-api
  name: Defence Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.defencebank.com.au/tools-and-advice/open-banking/
  baseURL: https://product.defencebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/defence-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.defencebank.com.au/tools-and-advice/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#introduction
- aid: defence-bank:defence-bank-banking-account-scheduled-payments-api
  name: Defence Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.defencebank.com.au/tools-and-advice/open-banking/
  baseURL: https://product.defencebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/defence-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.defencebank.com.au/tools-and-advice/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#introduction
- aid: defence-bank:defence-bank-banking-account-transactions-api
  name: Defence Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.defencebank.com.au/tools-and-advice/open-banking/
  baseURL: https://product.defencebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/defence-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.defencebank.com.au/tools-and-advice/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#introduction
- aid: defence-bank:defence-bank-banking-accounts-api
  name: Defence Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.defencebank.com.au/tools-and-advice/open-banking/
  baseURL: https://product.defencebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/defence-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.defencebank.com.au/tools-and-advice/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#introduction
- aid: defence-bank:defence-bank-banking-payees-api
  name: Defence Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.defencebank.com.au/tools-and-advice/open-banking/
  baseURL: https://product.defencebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/defence-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.defencebank.com.au/tools-and-advice/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#introduction
- aid: defence-bank:defence-bank-banking-products-api
  name: Defence Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.defencebank.com.au/tools-and-advice/open-banking/
  baseURL: https://product.defencebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/defence-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.defencebank.com.au/tools-and-advice/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#introduction
common:
- type: AgenticAccess
  url: agentic-access/defence-bank-agentic-access.yml
- type: DomainSecurity
  url: security/defence-bank-domain-security.yml
- type: Website
  url: https://www.defencebank.com.au/
- type: Documentation
  url: https://www.defencebank.com.au/tools-and-advice/open-banking/
- type: Blog
  url: https://www.defencebank.com.au/intel
- type: PrivacyPolicy
  url: https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/privacy/
- type: Support
  url: https://www.defencebank.com.au/contact
- type: LinkedIn
  url: https://www.linkedin.com/company/defencebank
- type: GettingStarted
  url: https://www.defencebank.com.au/tools-and-advice/open-banking/
- type: Authentication
  url: authentication/defence-bank-authentication.yml
- type: OAuthScopes
  url: scopes/defence-bank-scopes.yml
- type: Conventions
  url: conventions/defence-bank-conventions.yml
- type: ErrorCatalog
  url: errors/defence-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/defence-bank-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Conformance
  url: conformance/defence-bank-conformance.yml
- type: Compliance
  url: https://www.defencebank.com.au/tools-and-advice/open-banking/
- type: DataModel
  url: data-model/defence-bank-data-model.yml
- type: MCPServer
  url: mcp/defence-bank-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/defence-bank-llms.txt
- type: Overlay
  url: overlays/defence-bank-cds-banking-products-overlay.yaml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Defence Bank

Kin Score

APIs 7

Defence Bank Banking Account Balances API

Defence Bank Banking Account Direct Debits API

Defence Bank Banking Account Scheduled Payments API

Defence Bank Banking Account Transactions API

Defence Bank Banking Accounts API

Defence Bank Banking Payees API

Defence Bank Banking Products API

MCP Servers 1

defence-bank-mcp.yml

Security Posture 2

Defence Bank Authentication

Defence Bank Domain Security