# Judo Bank

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

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.

## Kin Score — 29.3 / 100 (thin)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 29.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 23.2 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 26.6 (matched via tags).

## Agent readiness — 34.0 (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 | 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)

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

## MCP servers (1)

- **Judo Bank MCP Server**

## Agentic access (1)

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

## Security (2)

- **Judo Bank Authentication** — none/oauth2/openIdConnect/mutualTLS · 4 schemes
- **Judo Bank Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

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

---

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