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 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.

Judo Bank’s developer surface includes authentication, documentation, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub

29.3/100 thin ▬ flat Agent 34/100 agent ready Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

AccessSelf serve

7 APIs 1 MCP Servers

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

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 29.3/100 · thin

Contract Quality 10.8 / 21

Developer Ergonomics 3.9 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.3 / 11

Contract Governance 1.7 / 10

Discoverability 6.9 / 9

Regulatory Posture 4.0 / 15

Agent readiness — 34/100 · agent ready

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 0 / 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

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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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/judo-bank: 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.

MCP Servers 1

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

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

AgentSkill

WellKnown

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Conformance

Lifecycle

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

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.
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/judo-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- SME Lending
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-22'
specificationVersion: '0.23'
apis:
- aid: judo-bank:judo-bank-banking-account-balances-api
  name: Judo Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.judo.bank/open-banking/
  baseURL: https://public.open.judo.bank/cds-au/v1/banking/products
  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
- aid: judo-bank:judo-bank-banking-account-direct-debits-api
  name: Judo Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.judo.bank/open-banking/
  baseURL: https://public.open.judo.bank/cds-au/v1/banking/products
  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
- aid: judo-bank:judo-bank-banking-account-scheduled-payments-api
  name: Judo Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.judo.bank/open-banking/
  baseURL: https://public.open.judo.bank/cds-au/v1/banking/products
  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
- aid: judo-bank:judo-bank-banking-account-transactions-api
  name: Judo Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.judo.bank/open-banking/
  baseURL: https://public.open.judo.bank/cds-au/v1/banking/products
  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
- aid: judo-bank:judo-bank-banking-accounts-api
  name: Judo Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.judo.bank/open-banking/
  baseURL: https://public.open.judo.bank/cds-au/v1/banking/products
  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
- aid: judo-bank:judo-bank-banking-payees-api
  name: Judo Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.judo.bank/open-banking/
  baseURL: https://public.open.judo.bank/cds-au/v1/banking/products
  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
- aid: judo-bank:judo-bank-banking-products-api
  name: Judo Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.judo.bank/open-banking/
  baseURL: https://public.open.judo.bank/cds-au/v1/banking/products
  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
common:
- 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: MCPServer
  url: mcp/judo-bank-mcp.yml
- type: Overlay
  url: overlays/judo-bank-cds-banking-products-overlay.yaml
- 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
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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