# ING Australia

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

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.

## Kin Score — 44.7 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 44.7).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 51.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 47.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 60.8 (matched via tags).

## Agent readiness — 30.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| 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)

- **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

## MCP servers (1)

- **ING Australia MCP Server** — Candidate MCP tool surface derived from the CDS Banking operations. ING Australia does not publish an official hosted MCP server. The PRODUCT tools (list/get products) map to th...

## Agentic access (1)

- **Ing Australia Agentic Access** — 19 operations · 3 acting

## Security (2)

- **Ing Australia Authentication** — oauth2/openIdConnect/mutualTLS · 3 schemes
- **Ing Australia Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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