KakaoBank

KakaoBank is South Korea's leading internet-only bank, offering REST APIs for account management, fund transfers, loans, credit scoring, and open banking data connectivity for the Korean market. Founded in 2016 and backed by Kakao Corp., KakaoBank serves over 26 million customers through a fully mobile and API-first digital banking platform.

KakaoBank is listed with 5 APIs on the APIs.io network. Tagged areas include Banking, Finance, Open Banking, South Korea, and Fintech.

KakaoBank’s developer surface includes documentation, engineering blog, pricing, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

12.5/100 emerging ▬ flat Agent 1/100 human only Front door AI 4/6 moderate Heartbeat 68/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemium

5 APIs

Banking Finance Open Banking South Korea Fintech Account Management Transfers Loans Credit Scoring Mobile Banking

Kin Score

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

Composite quality — 12.5/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 1.3 / 17

Operational Transparency 3.2 / 11

Contract Governance 0.0 / 10

Discoverability 6.1 / 9

Regulatory Posture 0.7 / 15

Agent readiness — 1/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

12 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 7.9 — up to +18.4 composite points
Developer Ergonomics scores 11.9 — up to +17.6 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/kakaobank/apis.yml: open an issue on github.com/api-evangelist/kakaobank 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
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	19.2 (thin)	-	-
Korea MyData (licensed MyData operators, authentication bodies and information providers)	regulated	19.2 (thin)	-	-

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.

APIs 5

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

KakaoBank Account Management API

REST API for managing KakaoBank accounts including demand deposits, savings accounts, and group accounts. Provides access to account balances, transaction history, and account h...

KakaoBank Transfer API

REST API enabling fund transfers between KakaoBank accounts and external bank accounts within South Korea's open banking network. Supports peer-to-peer transfers, interbank tran...

KakaoBank Loan API

REST API for loan origination and management including credit loans, business owner credit loans, and housing-related loans. Provides programmatic access to loan applications, r...

KakaoBank Credit Scoring API

REST API providing alternative credit scoring capabilities powered by KakaoBank's data-driven credit models. Integrates with partners such as NICE Credit to assess creditworthin...

KakaoBank Open Banking API

REST API connecting to South Korea's national open banking switchboard, enabling aggregated views of balances and transactions from multiple financial institutions. Supports rea...

KakaoBank API pricing

Not yet checked against KakaoBank's own pricing page. Compiled by API Evangelist on 2026-06-13; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Consumer Banking (Free)	Free per month
Business Owner Banking	Free per month
Open Banking Partner (FSC-Regulated)	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Kakaobank Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Kakaobank Rate Limits

4 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Kakaobank Finops

FINOPS

Security Posture 1

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

Kakaobank Domain Security

TLSv1.2 · HSTS

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: kakaobank
name: KakaoBank
description: KakaoBank is South Korea's leading internet-only bank, offering REST APIs for account management, fund transfers,
  loans, credit scoring, and open banking data connectivity for the Korean market. Founded in 2016 and backed by Kakao Corp.,
  KakaoBank serves over 26 million customers through a fully mobile and API-first digital banking platform.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/kakaobank.png
url: https://raw.githubusercontent.com/api-evangelist/kakaobank/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.23'
tags:
- Banking
- Finance
- Open Banking
- South Korea
- Fintech
- Account Management
- Transfers
- Loans
- Credit Scoring
- Mobile Banking
tags_raw:
- Banking
- Finance
- Open Banking
- Korea
- Fintech
- Account Management
- Transfers
- Loans
- Credit Scoring
- Mobile Banking
apis:
- aid: kakaobank:account-management-api
  name: KakaoBank Account Management API
  description: REST API for managing KakaoBank accounts including demand deposits, savings accounts, and group accounts. Provides
    access to account balances, transaction history, and account holder information for authenticated users in the Korean
    market.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://eng.kakaobank.com/products
  baseURL: https://api.kakaobank.com
  tags:
  - Account Management
  - Deposits
  - Savings
  - Banking
  properties:
  - type: Documentation
    url: https://eng.kakaobank.com/products
- aid: kakaobank:transfer-api
  name: KakaoBank Transfer API
  description: REST API enabling fund transfers between KakaoBank accounts and external bank accounts within South Korea's
    open banking network. Supports peer-to-peer transfers, interbank transfers, and overseas remittance services.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://eng.kakaobank.com/products
  baseURL: https://api.kakaobank.com
  tags:
  - Transfers
  - Payments
  - Open Banking
  - Remittances
  tags_raw:
  - Transfers
  - Payments
  - Open Banking
  - Remittance
  properties:
  - type: Documentation
    url: https://eng.kakaobank.com/products
- aid: kakaobank:loan-api
  name: KakaoBank Loan API
  description: REST API for loan origination and management including credit loans, business owner credit loans, and housing-related
    loans. Provides programmatic access to loan applications, repayment schedules, and loan status queries with no prepayment
    penalties.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://eng.kakaobank.com/products/credit-loan
  baseURL: https://api.kakaobank.com
  tags:
  - Loans
  - Credit
  - Mortgage
  - Banking
  properties:
  - type: Documentation
    url: https://eng.kakaobank.com/products/credit-loan
- aid: kakaobank:credit-scoring-api
  name: KakaoBank Credit Scoring API
  description: REST API providing alternative credit scoring capabilities powered by KakaoBank's data-driven credit models.
    Integrates with partners such as NICE Credit to assess creditworthiness beyond traditional metrics, enabling faster loan
    approvals for Korean market users.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://eng.kakaobank.com/products
  baseURL: https://api.kakaobank.com
  tags:
  - Credit Scoring
  - Alternative Credit
  - Risk Assessment
  - Fintech
  properties:
  - type: Documentation
    url: https://eng.kakaobank.com/products
- aid: kakaobank:open-banking-api
  name: KakaoBank Open Banking API
  description: REST API connecting to South Korea's national open banking switchboard, enabling aggregated views of balances
    and transactions from multiple financial institutions. Supports real-time multi-account inquiries and in-app transfers
    across participating Korean banks per FSC open banking standards.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://eng.kakaobank.com/products
  baseURL: https://openapi.kakaobank.com
  tags:
  - Open Banking
  - Account Aggregation
  - South Korea
  - FSC
  - Fintech
  tags_raw:
  - Open Banking
  - Account Aggregation
  - Korea
  - FSC
  - Fintech
  properties:
  - type: Documentation
    url: https://eng.kakaobank.com/products
common:
- type: DomainSecurity
  url: security/kakaobank-domain-security.yml
- type: Website
  url: https://www.kakaobank.com
- type: Documentation
  url: https://eng.kakaobank.com/products
- type: GitHubOrg
  url: https://github.com/kakaobank
- type: LinkedIn
  url: https://www.linkedin.com/company/kakaobank
- type: Blog
  url: https://tech.kakaobank.com
- type: Pricing
  url: https://eng.kakaobank.com/products
- type: StatusPage
  url: https://www.kakaobank.com
- type: X
  url: https://x.com/kakaobank
- type: Plans
  url: plans/kakaobank-plans-pricing.yml
- type: RateLimits
  url: rate-limits/kakaobank-rate-limits.yml
- type: FinOps
  url: finops/kakaobank-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

KakaoBank API — frequently asked questions

Does KakaoBank have an API?

Yes. APIs.io lists 5 APIs from KakaoBank, including KakaoBank Account Management API, KakaoBank Transfer API and KakaoBank Loan API, and 2 more.

How much does the KakaoBank API cost?

APIs.io lists 3 pricing plans for KakaoBank, with each plan's price, limits and inclusions under Pricing on this page.

Is the KakaoBank API ready for AI agents?

KakaoBank has a Kin Score of 12.5 out of 100 (emerging) and an Agent Readiness score of 0.6 (human-only), scored by API Evangelist on 2026-11-06.

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