ING Australia website screenshot

ING Australia

ING Australia is the retail banking division of ING Bank (Australia) Limited (ABN 24 000 893 292), a wholly owned subsidiary of the Dutch multinational ING Groep N.V. headquartered in Amsterdam. Launched in 1999 as ING Direct and rebranded to ING in 2017, it is a branchless, digital-first direct bank offering everyday transaction and savings accounts, home loans, superannuation, and insurance to Australian consumers. It is not a customer-owned mutual; it is a foreign-owned Authorised Deposit-taking Institution (ADI) regulated by APRA and ASIC. As an active ADI, ING is an accredited data holder under Australia's Consumer Data Right (CDR / Open Banking) and exposes the mandatory public, unauthenticated Product Reference Data (PRD) API conforming to the Consumer Data Standards (CDS). Authenticated consumer-data sharing follows the CDR ecosystem model (OAuth2 / OIDC FAPI profile via accredited data recipients); ING does not operate a broad, self-serve public developer portal.

ING Australia 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.

ING Australia’s developer surface includes authentication, getting-started guide, documentation, API reference, support, and 17 more developer resources.

🌐 Visit website 📡 Source on GitHub
45.5/100 developing ▬ flat Agent 69/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer BankingAustraliaProduct Reference DataADI

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 45.5/100 · developing
Contract Quality 13.6 / 25
Developer Ergonomics 11.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 1.0 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 69/100 · 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 4 / 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/ing-australia: 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.

ING Australia Banking Account Balances API

Banking Account Balance endpoints

ING Australia Banking Account Direct Debits API

Banking Account Direct Debit endpoints

ING Australia Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

ING Australia Banking Account Transactions API

Banking Account Transaction endpoints

ING Australia Banking Accounts API

Banking Account endpoints

ING Australia Banking Payees API

Banking Payee endpoints

ING Australia Banking Products API

Banking Product endpoints

Scroll for all 7

MCP Servers 1

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

ing-australia-mcp.yml

MCP SERVER

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Ing Australia Authentication

oauth2/openIdConnect/mutualTLS · 3 schemes

SECURITY

Ing Australia Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Ing Australia Scopes

10 scopes · authorizationCode

10 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Ing Australia Agentic Access

19 operations · 3 acting

19 operations · 3 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted
GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 WellKnown
WellKnown
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Conventions
Conventions
 Lifecycle
Lifecycle
 DataModel
DataModel

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Operate 2

Status, limits, changes, and where to get help

Deprecation
Deprecation
 Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy
 TermsOfService
TermsOfService

Company 1

The organization behind the API

Website
Website

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: ing-australia
url: https://raw.githubusercontent.com/api-evangelist/ing-australia/refs/heads/main/apis.yml
name: ING Australia
kind: company
description: ING Australia is the retail banking division of ING Bank (Australia) Limited (ABN 24 000 893 292), a wholly owned
  subsidiary of the Dutch multinational ING Groep N.V. headquartered in Amsterdam. Launched in 1999 as ING Direct and rebranded
  to ING in 2017, it is a branchless, digital-first direct bank offering everyday transaction and savings accounts, home loans,
  superannuation, and insurance to Australian consumers. It is not a customer-owned mutual; it is a foreign-owned Authorised
  Deposit-taking Institution (ADI) regulated by APRA and ASIC. As an active ADI, ING is an accredited data holder under Australia's
  Consumer Data Right (CDR / Open Banking) and exposes the mandatory public, unauthenticated Product Reference Data (PRD)
  API conforming to the Consumer Data Standards (CDS). Authenticated consumer-data sharing follows the CDR ecosystem model
  (OAuth2 / OIDC FAPI profile via accredited data recipients); ING does not operate a broad, self-serve public developer portal.
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/ing-australia.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: ing-australia:ing-australia-banking-account-balances-api
  name: ING Australia Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.ing.com.au/open-banking.html
  baseURL: https://id.ob.ing.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/ing-australia-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.ing.com.au/pdf/CDR-policy.pdf
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data-apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: ing-australia:ing-australia-banking-account-direct-debits-api
  name: ING Australia Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.ing.com.au/open-banking.html
  baseURL: https://id.ob.ing.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/ing-australia-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.ing.com.au/pdf/CDR-policy.pdf
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data-apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: ing-australia:ing-australia-banking-account-scheduled-payments-api
  name: ING Australia Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.ing.com.au/open-banking.html
  baseURL: https://id.ob.ing.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/ing-australia-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.ing.com.au/pdf/CDR-policy.pdf
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data-apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: ing-australia:ing-australia-banking-account-transactions-api
  name: ING Australia Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.ing.com.au/open-banking.html
  baseURL: https://id.ob.ing.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/ing-australia-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.ing.com.au/pdf/CDR-policy.pdf
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data-apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: ing-australia:ing-australia-banking-accounts-api
  name: ING Australia Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.ing.com.au/open-banking.html
  baseURL: https://id.ob.ing.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/ing-australia-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.ing.com.au/pdf/CDR-policy.pdf
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data-apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: ing-australia:ing-australia-banking-payees-api
  name: ING Australia Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.ing.com.au/open-banking.html
  baseURL: https://id.ob.ing.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/ing-australia-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.ing.com.au/pdf/CDR-policy.pdf
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data-apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: ing-australia:ing-australia-banking-products-api
  name: ING Australia Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.ing.com.au/open-banking.html
  baseURL: https://id.ob.ing.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/ing-australia-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.ing.com.au/pdf/CDR-policy.pdf
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#product-reference-data-apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
common:
- type: AgenticAccess
  url: agentic-access/ing-australia-agentic-access.yml
- type: DomainSecurity
  url: security/ing-australia-domain-security.yml
- type: Authentication
  url: authentication/ing-australia-authentication.yml
- type: OAuthScopes
  url: scopes/ing-australia-scopes.yml
- type: WellKnown
  url: well-known/ing-australia-well-known.yml
- type: Conformance
  url: conformance/ing-australia-conformance.yml
- type: ErrorCatalog
  url: errors/ing-australia-problem-types.yml
- type: Conventions
  url: conventions/ing-australia-conventions.yml
- type: Lifecycle
  url: lifecycle/ing-australia-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#future-dated-obligations
- type: DataModel
  url: data-model/ing-australia-data-model.yml
- type: MCPServer
  url: mcp/ing-australia-mcp.yml
- type: LLMsTxt
  url: llms/ing-australia-llms.txt
- type: Overlay
  url: overlays/ing-australia-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://www.ing.com.au/
- type: GettingStarted
  url: https://www.ing.com.au/open-banking.html
- type: Documentation
  url: https://www.ing.com.au/pdf/CDR-policy.pdf
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/
- type: Support
  url: mailto:cdrenquiry@ing.com.au
- type: PrivacyPolicy
  url: https://www.ing.com.au/privacy.html
- type: TermsOfService
  url: https://www.ing.com.au/legal.html
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com