# Defence Bank

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

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.

## Kin Score — 42.3 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 42.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 42.3 |
| Commercial Clarity | 18.4 |
| Access Clarity | 18.4 |

Regulatory layer — **Banking & Open Finance**: 62.0 (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)

- **Defence Bank Banking Account Balances API** — Banking Account Balance endpoints
- **Defence Bank Banking Account Direct Debits API** — Banking Account Direct Debit endpoints
- **Defence Bank Banking Account Scheduled Payments API** — Banking Account Scheduled Payment endpoints
- **Defence Bank Banking Account Transactions API** — Banking Account Transaction endpoints
- **Defence Bank Banking Accounts API** — Banking Account endpoints
- **Defence Bank Banking Payees API** — Banking Payee endpoints
- **Defence Bank Banking Products API** — Banking Product endpoints

## MCP servers (1)

- **Defence Bank MCP Server** — Candidate MCP server surface derived from the publicly reachable Consumer Data Standards Product Reference Data operations. Defence Bank publishes no official hosted MCP server;...

## Agentic access (1)

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

## Security (2)

- **Defence Bank Authentication** — none/oauth2/openIdConnect/mutualTLS · 2 schemes
- **Defence Bank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Mutual Bank, Product Reference Data

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