# IMB Bank

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

IMB Bank (IMB Ltd, ABN 92 087 651 974) is a member-owned Australian mutual bank founded in 1880 as the Illawarra Mutual Building Society in Wollongong, New South Wales. It is an authorised deposit-taking institution (ADI) regulated by APRA and ASIC, offering home loans, personal and business banking, deposits, cards and insurance to members across NSW, Victoria and the ACT. As a mutual, IMB is owned by its members rather than external shareholders. Under Australia's Consumer Data Right (CDR / Open Banking), IMB operates as a data holder and exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Consumer Data Standards, alongside an accredited data recipient (ADR) consent flow for sharing member banking data. IMB also runs a public developer sandbox and marketplace at developer.openbanking.imb.com.au.

## Kin Score — 48.4 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 47.3).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 51.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 35.1 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Banking & Open Finance**: 77.2 (matched via tags).

## Agent readiness — 37.4 (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 | yes |
| 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)

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

## MCP servers (1)

- **IMB Bank MCP Server**

## Agentic access (1)

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

## Security (2)

- **Imb Bank Authentication** — none/openIdConnect/oauth2/mutualTLS · 3 schemes
- **Imb 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/imb-bank/). Scores are computed from the provider's own public artifacts under a published rubric.