# Hume Bank

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

Hume Bank is a customer-owned (mutual) Australian bank headquartered in Albury, New South Wales. Founded in 1955 as the Hume Co-operative Building & Investment Society, it became Hume Building Society and then Hume Bank on 1 July 2014, serving roughly 65,000 customers with around A$1.70 billion in assets. As an authorised deposit-taking institution (ADI) it participates in Australia's Consumer Data Right (CDR / Open Banking) regime, exposing a public, unauthenticated Product Reference Data (PRD) API built to the Consumer Data Standards for its retail and business deposit and credit card products, alongside the accredited-data-recipient consent flows required of a CDR data holder.

## Kin Score — 39.5 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 39.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 44.6 |
| Commercial Clarity | 38.2 |
| Access Clarity | 38.2 |

Regulatory layer — **Banking & Open Finance**: 31.6 (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

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (7)

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

## MCP servers (1)

- **Hume Bank MCP Server**

## Agentic access (1)

- **Hume Bank Agentic Access** — 2 operations

## Security (2)

- **Hume Bank Authentication** — none · 0 schemes
- **Hume Bank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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