# KakaoBank

**Canonical:** https://apis.io/providers/kakaobank/  
**Website:** https://www.kakaobank.com  
**APIs profiled:** 5

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.

## Kin Score — 21.0 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 21.0).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 52.6 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Banking & Open Finance**: 7.6 (matched via tags).

## Agent readiness — 3.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium — onboarding: unknown, pricing: freemium, trial: no (confidence: medium).

## APIs (5)

- **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...

## Security (1)

- **Kakaobank Domain Security** — TLSv1.2 · HSTS

## Plans (1)

- **Kakaobank Plans Pricing**

## Tags

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

---

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