Judo Bank

Judo Bank (Judo Capital Holdings Ltd) is an Australian challenger bank founded in 2016 and headquartered in Melbourne, purpose-built to serve small and medium-sized enterprises (SMEs) with relationship-led business lending alongside personal and business term deposits. It was the first new domestically-owned bank in decades to be granted a full, unrestricted authorised deposit-taking institution (ADI) licence by APRA, in April 2019, and has been publicly listed on the Australian Securities Exchange (ticker ASX JDO) since November 2021 - it is a for-profit, shareholder-owned bank, not a customer-owned mutual. As a designated ADI and data holder under Australia's Consumer Data Right (CDR / Open Banking) regime, Judo Bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards, while authenticated consumer-data sharing is governed by the accredited data recipient (ADR) model rather than an open self-serve developer program.

Judo Bank publishes 7 API contracts indexed 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 Finance, Banks, Open Banking, CDR, and Consumer Banking.

The Judo Bank catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Judo Bank’s developer surface includes authentication, documentation, and 26 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

34.8/100 thin ▬ flat Agent 28/100 agent aware Heartbeat 100/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 2 Agent Skills

Finance Banks Open Banking CDR Consumer Banking Australia SME Lending Product Reference Data

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Banking Product Management

BC-1310

Banking Products

GET /banking/products

Payments & Card Management

BC-1340

Banking Account Scheduled Payments

GET /banking/payments/scheduled

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 34.8/100 · thin

Contract Quality 10.9 / 19

Developer Ergonomics 4.0 / 15

Access Clarity 1.6 / 15

Operational Transparency 3.7 / 10

Contract Governance 2.0 / 9

Discoverability 4.8 / 8

Regulatory Posture 2.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 28/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 10.5 — up to +17.9 composite points
Developer Ergonomics scores 26.8 — up to +14.6 composite points
Contract Quality scores 58.3 — up to +10.4 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/judo-bank/apis.yml: open an issue on github.com/api-evangelist/judo-bank to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Australia Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending)	regulated	57.5	-	-
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	regulated	57.5	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 4

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

OpenID Connect

measured — observed by APIs.io (declared)

Mutual TLS

measured — observed by APIs.io (declared)

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Judo Bank Banking Account Balances API

Banking Account Balance endpoints (authenticated CDR resource API; Judo Bank serves it on an mTLS data-holder host that is not published publicly - the DSB contract templates it...

Judo Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints (authenticated CDR resource API; Judo Bank serves it on an mTLS data-holder host that is not published publicly - the DSB contract templat...

Judo Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints (authenticated CDR resource API; Judo Bank serves it on an mTLS data-holder host that is not published publicly - the DSB contract te...

Judo Bank Banking Account Transactions API

Banking Account Transaction endpoints (authenticated CDR resource API; Judo Bank serves it on an mTLS data-holder host that is not published publicly - the DSB contract template...

Judo Bank Banking Accounts API

Banking Account endpoints (authenticated CDR resource API; Judo Bank serves it on an mTLS data-holder host that is not published publicly - the DSB contract templates it as http...

Judo Bank Banking Payees API

Banking Payee endpoints (authenticated CDR resource API; Judo Bank serves it on an mTLS data-holder host that is not published publicly - the DSB contract templates it as https:...

Judo Bank Banking Products API

Banking Product endpoints (CDR Product Reference Data) - public, unauthenticated, served live by Judo Bank at public.open.judo.bank (the publicBaseUri registered for brand "Judo...

OPEN COLLECTION

Scroll for all 7

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

judo-bank-account-data-sharing

AGENT SKILL

judo-bank-product-lookup

AGENT SKILL

Judo Bank API pricing

Rate limits

Customer Present traffic per customer: 10 TPS per customer
Customer Present traffic per software product: 50 TPS per Data Recipient Software Product
Unattended traffic sessions (low traffic periods): 20 sessions per day, per customer, per Data Recipient Software Product

All 6 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Judo Bank Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Judo Bank Rate Limits

6 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Judo Bank

SLA

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Judo Bank Context

95 classes · 280 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Judo Bank API Rules

17 rules · 15 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 8

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Judo Bank Banking Account Balances Api Overlay

TLSv1.3 · DNSSEC · DMARC

SECURITY

Agentic Access 1

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

Judo Bank Agentic Access

19 operations

19 operations · 0 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

AgentSkill

WellKnown

LLMsTxt

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Conventions

ErrorCatalog

Conformance

Lifecycle

DataModel

Scroll for all 8

Build 2

SDKs, sample code, and the tooling you integrate with

IntegrationEdges

IntegrationEdges

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Deprecation

Deprecation

RateLimits

RateLimits

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

BlogRSS

BlogRSS

Website

Website

LinkedIn

Other 4

Properties that don't map to a standard resource type

Overlay

Hosts

Vendors

CapabilityMap

Source (apis.yml)

aid: judo-bank
url: https://raw.githubusercontent.com/api-evangelist/judo-bank/refs/heads/main/apis.yml
name: Judo Bank
kind: company
description: Judo Bank (Judo Capital Holdings Ltd) is an Australian challenger bank founded in 2016 and headquartered in Melbourne,
  purpose-built to serve small and medium-sized enterprises (SMEs) with relationship-led business lending alongside personal
  and business term deposits. It was the first new domestically-owned bank in decades to be granted a full, unrestricted authorised
  deposit-taking institution (ADI) licence by APRA, in April 2019, and has been publicly listed on the Australian Securities
  Exchange (ticker ASX JDO) since November 2021 - it is a for-profit, shareholder-owned bank, not a customer-owned mutual.
  As a designated ADI and data holder under Australia's Consumer Data Right (CDR / Open Banking) regime, Judo Bank exposes
  a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards,
  while authenticated consumer-data sharing is governed by the accredited data recipient (ADR) model rather than an open self-serve
  developer program.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: blocked
  source:
  - authentication
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/judo-bank.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- SME Lending
- Product Reference Data
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- SME Lending
- Product Reference Data
created: '2026-07-20'
modified: '2026-10-21'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/maintenance.html
- type: RateLimits
  url: rate-limits/judo-bank-rate-limits.yml
- type: Spectral
  url: rules/judo-bank-rules.yml
- type: JSONLD
  url: json-ld/judo-bank-context.jsonld
- type: Vocabulary
  url: vocabulary/judo-bank-vocabulary.yml
- type: Overlay
  url: overlays/judo-bank-banking-account-balances-api-overlay.yaml
- type: Hosts
  url: hosts/judo-bank-hosts.yml
- type: IntegrationEdges
  url: integrations/judo-bank-integration-edges.yml
- type: Vendors
  url: vendors/judo-bank-vendors.yml
- url: https://www.judo.bank/feed/
  type: BlogRSS
- type: CapabilityMap
  url: capabilities/judo-bank-capability-edges.yml
  name: Judo Bank Business Capability Map
- type: AgenticAccess
  url: agentic-access/judo-bank-agentic-access.yml
- type: Authentication
  url: authentication/judo-bank-authentication.yml
- type: DomainSecurity
  url: security/judo-bank-domain-security.yml
- type: Conventions
  url: conventions/judo-bank-conventions.yml
- type: ErrorCatalog
  url: errors/judo-bank-problem-types.yml
- type: Conformance
  url: conformance/judo-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/judo-bank-lifecycle.yml
- type: DataModel
  url: data-model/judo-bank-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/judo-bank-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/judo-bank-product-lookup.md
- type: WellKnown
  url: well-known/judo-bank-well-known.yml
- type: LLMsTxt
  url: llms/judo-bank-llms.txt
- type: Website
  url: https://www.judo.bank/
- type: Documentation
  url: https://www.judo.bank/open-banking/
- type: PrivacyPolicy
  url: https://www.judo.bank/privacy-policy/
- type: GitHubOrganization
  url: https://github.com/judobank
- type: LinkedIn
  url: https://www.linkedin.com/company/judobank
apis:
- aid: judo-bank:judo-bank-banking-account-balances-api
  name: Judo Bank Banking Account Balances API
  description: Banking Account Balance endpoints (authenticated CDR resource API; Judo Bank serves it on an mTLS data-holder
    host that is not published publicly - the DSB contract templates it as https://mtls.dh.example.com/cds-au/v1 - so no baseURL
    is recorded)
  humanURL: https://www.judo.bank/open-banking/
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/judo-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-payees
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-accounts-balance-list-schema.json
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-accounts-balance-by-id-schema.json
- aid: judo-bank:judo-bank-banking-account-direct-debits-api
  name: Judo Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints (authenticated CDR resource API; Judo Bank serves it on an mTLS data-holder
    host that is not published publicly - the DSB contract templates it as https://mtls.dh.example.com/cds-au/v1 - so no baseURL
    is recorded)
  humanURL: https://www.judo.bank/open-banking/
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/judo-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-payees
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-direct-debit-authorisation-list-schema.json
- aid: judo-bank:judo-bank-banking-account-scheduled-payments-api
  name: Judo Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints (authenticated CDR resource API; Judo Bank serves it on an mTLS
    data-holder host that is not published publicly - the DSB contract templates it as https://mtls.dh.example.com/cds-au/v1
    - so no baseURL is recorded)
  humanURL: https://www.judo.bank/open-banking/
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/judo-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-payees
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-scheduled-payments-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-instalment-plan-list-schema.json
- aid: judo-bank:judo-bank-banking-account-transactions-api
  name: Judo Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints (authenticated CDR resource API; Judo Bank serves it on an mTLS data-holder
    host that is not published publicly - the DSB contract templates it as https://mtls.dh.example.com/cds-au/v1 - so no baseURL
    is recorded)
  humanURL: https://www.judo.bank/open-banking/
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/judo-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-payees
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-transaction-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-transaction-by-id-v3-schema.json
- aid: judo-bank:judo-bank-banking-accounts-api
  name: Judo Bank Banking Accounts API
  description: Banking Account endpoints (authenticated CDR resource API; Judo Bank serves it on an mTLS data-holder host
    that is not published publicly - the DSB contract templates it as https://mtls.dh.example.com/cds-au/v1 - so no baseURL
    is recorded)
  humanURL: https://www.judo.bank/open-banking/
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/judo-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-payees
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-account-list-v3-schema.json
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-account-by-id-v5-schema.json
- aid: judo-bank:judo-bank-banking-payees-api
  name: Judo Bank Banking Payees API
  description: Banking Payee endpoints (authenticated CDR resource API; Judo Bank serves it on an mTLS data-holder host that
    is not published publicly - the DSB contract templates it as https://mtls.dh.example.com/cds-au/v1 - so no baseURL is
    recorded)
  humanURL: https://www.judo.bank/open-banking/
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/judo-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-payees
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-payee-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-payee-by-id-v2-schema.json
- aid: judo-bank:judo-bank-banking-products-api
  name: Judo Bank Banking Products API
  description: Banking Product endpoints (CDR Product Reference Data) - public, unauthenticated, served live by Judo Bank
    at public.open.judo.bank (the publicBaseUri registered for brand "Judo Bank" in the ACCC CDR Register); GET /banking/products
    returned HTTP 200 JSON with brand "Judo Bank" on 2026-10-21.
  humanURL: https://www.judo.bank/open-banking/
  baseURL: https://public.open.judo.bank/cds-au/v1
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/judo-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking_get-payees
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-product-list-v4-schema.json
  - type: JSONSchema
    url: json-schema/judo-bank-response-banking-product-by-id-v7-schema.json
x-coverage:
  state: blocked
  reason: bot-challenge
  detail: www.judo.bank answers a browser User-Agent with HTTP 403 (anti-bot challenge) on every page, so no new link-property
    pointers could be read from the site. Existing Website, Documentation and PrivacyPolicy pointers are kept (403 is an edge
    policy, not dead). Identity is confirmed by the site's own RSS feed (channel title "Judo Bank", link https://www.judo.bank/)
    and the GitHub org judobank (name "Judo Bank", blog https://www.judo.bank/).
  evidence:
  - url: https://www.judo.bank/
    status: 403
  - url: https://www.judo.bank/open-banking/
    status: 403
  - url: https://www.judo.bank/privacy-policy/
    status: 403
  - url: https://www.judo.bank/feed/
    status: 200
  - url: https://github.com/judobank
    status: 200
  - url: https://api.github.com/users/judobank
    status: 200
  - url: https://www.linkedin.com/company/judobank
    status: 200
  - url: https://consumerdatastandardsaustralia.github.io/standards/
    status: 200
x-enrichment:
  date: '2026-10-21'
  status: enriched
  artifacts_added: 40
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

Judo Bank API — frequently asked questions

Does Judo Bank have an API?

Yes. APIs.io lists 7 APIs from Judo Bank, including Judo Bank Banking Account Balances API, Judo Bank Banking Account Direct Debits API and Judo Bank Banking Account Scheduled Payments API, and 4 more.

Is there an OpenAPI specification for the Judo Bank API?

Yes. APIs.io indexes 7 OpenAPI specifications for Judo Bank, each linked for download from this page.

How do I authenticate with the Judo Bank API?

Judo Bank uses bearer-token authentication (none/oauth2/openIdConnect/mutualTLS · 4 schemes). The details are profiled on APIs.io as Judo Bank Authentication.

Is the Judo Bank API ready for AI agents?

Judo Bank has a Kin Score of 34.8 out of 100 (thin) and an Agent Readiness score of 28.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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