Macquarie Bank

Macquarie Bank Limited is an Australian authorised deposit-taking institution (ADI) and the retail and business banking arm of Macquarie Group Limited, the ASX-listed (ASX:MQG) global financial services group headquartered in Sydney. It is not a mutual or customer-owned bank; it is a wholly-owned, shareholder-owned subsidiary of a publicly listed parent. Its digital bank offers transaction and savings accounts, home loans, credit and charge cards, term deposits, overdrafts and business lending. As a designated data holder under Australia's Consumer Data Right (CDR / Open Banking), Macquarie Bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Consumer Data Standards (CDS), alongside accredited-data-recipient data sharing and a registered developer portal that documents its DEFT payments platform.

Macquarie Bank publishes 9 API contracts indexed on the APIs.io network, including Banking Account Balances API, Banking Account Direct Debits API, Banking Account Scheduled Payments API, and 6 more. Tagged areas include Finance, Banks, Open Banking, CDR, and Consumer Data Right.

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

Macquarie Bank’s developer surface includes authentication, sandbox, documentation, support, API reference, signup flow, and 32 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

50.2/100 developing ▬ flat Agent 28/100 agent aware Front door AI 3/6 light Heartbeat 99/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 3 Agent Skills

Finance Banks Open Banking CDR Consumer Data Right Consumer Banking Australia Product Reference Data Payments

What this lets a business do 3

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

Deposits & Savings Management

BC-1330

Banking Account Balances

GET /banking/accounts/{accountId}/balance

Banking Product Management

BC-1310

Banking Products

GET /banking/products GET /banking/products/{productId}

Payments & Card Management

BC-1340

Banking Account Direct Debits

GET /banking/accounts/{accountId}/direct-debits

Kin Score

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

Composite quality — 50.2/100 · developing

Contract Quality 10.9 / 19

Developer Ergonomics 7.4 / 15

Access Clarity 4.7 / 15

Operational Transparency 5.6 / 10

Contract Governance 2.0 / 9

Discoverability 4.9 / 8

Regulatory Posture 6.5 / 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 31.6 — up to +13.7 composite points
Contract Quality scores 58.3 — up to +10.4 composite points
Developer Ergonomics scores 49.4 — up to +10.1 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/macquarie-bank/apis.yml: open an issue on github.com/api-evangelist/macquarie-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 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 5

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.

Consumer Data Standards

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

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 9

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

Macquarie Connectivity & Data API

Macquarie's connectivity / data APIs for business, documented through the registered Macquarie developer portal, let approved businesses and software partners automate account i...

Macquarie DEFT Payments API

Macquarie's DEFT payments platform, surfaced through the registered Macquarie developer portal, lets businesses build branded payment experiences with tokenised credit card, ban...

Macquarie Bank Banking Account Balances API

Banking Account Balance endpoints

Macquarie Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Macquarie Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Macquarie Bank Banking Account Transactions API

Banking Account Transaction endpoints

Macquarie Bank Banking Accounts API

Banking Account endpoints

Macquarie Bank Banking Payees API

Banking Payee endpoints

Macquarie Bank Banking Products API

Banking Product endpoints

OPEN COLLECTION

Scroll for all 7

Agent Skills 3

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

Macquarie Bank Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Macquarie Bank Rate Limits

13 limits

RATE LIMITS

Service Levels 1

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

Macquarie Bank

SLA

Semantic Vocabularies 1

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

Macquarie Bank Context

95 classes · 280 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Macquarie 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.

Macquarie Bank Banking Account Balances Api Overlay

3 fields

EXAMPLE

Security Posture 3

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

Macquarie Bank Authentication

none/oauth2/openIdConnect/mutualTLS · 4 schemes

SECURITY

Macquarie Bank Domain Security

TLSv1.3 · DMARC

SECURITY

Macquarie Bank Vulnerability Disclosure

Bugcrowd · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Macquarie Bank Scopes

10 scopes · authorizationCode

10 scopes

SCOPES

Agentic Access 1

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

Macquarie Bank Agentic Access

19 operations

19 operations · 0 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox

DeveloperPortal

CDRRegister

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Conformance

ErrorCatalog

Lifecycle

Conventions

DataModel

Scroll for all 8

Build 1

SDKs, sample code, and the tooling you integrate with

IntegrationEdges

IntegrationEdges

Access & Security 6

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

Compliance

Compliance

Operate 5

Status, limits, changes, and where to get help

RateLimits

StatusPage

Deprecation

Support

Contact

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Website

Website

LinkedIn

Newsroom

Newsroom

Other 4

Properties that don't map to a standard resource type

Overlay

Hosts

Vendors

CapabilityMap

Source (apis.yml)

aid: macquarie-bank
url: https://raw.githubusercontent.com/api-evangelist/macquarie-bank/refs/heads/main/apis.yml
name: Macquarie Bank
kind: company
description: Macquarie Bank Limited is an Australian authorised deposit-taking institution (ADI) and the retail and business
  banking arm of Macquarie Group Limited, the ASX-listed (ASX:MQG) global financial services group headquartered in Sydney.
  It is not a mutual or customer-owned bank; it is a wholly-owned, shareholder-owned subsidiary of a publicly listed parent.
  Its digital bank offers transaction and savings accounts, home loans, credit and charge cards, term deposits, overdrafts
  and business lending. As a designated data holder under Australia's Consumer Data Right (CDR / Open Banking), Macquarie
  Bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Consumer Data Standards (CDS),
  alongside accredited-data-recipient data sharing and a registered developer portal that documents its DEFT payments platform.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: covered
  source:
  - authentication
  - scopes
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/macquarie-bank.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Product Reference Data
- Payments
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Product Reference Data
- Payments
created: '2026-07-20'
modified: '2026-10-20'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: RateLimits
  url: rate-limits/macquarie-bank-rate-limits.yml
- type: Spectral
  url: rules/macquarie-bank-rules.yml
- type: JSONLD
  url: json-ld/macquarie-bank-context.jsonld
- type: Vocabulary
  url: vocabulary/macquarie-bank-vocabulary.yml
- type: Overlay
  url: overlays/macquarie-bank-banking-account-balances-api-overlay.yaml
- type: Hosts
  url: hosts/macquarie-bank-hosts.yml
- type: IntegrationEdges
  url: integrations/macquarie-bank-integration-edges.yml
- type: Vendors
  url: vendors/macquarie-bank-vendors.yml
- type: CapabilityMap
  url: capabilities/macquarie-bank-capability-edges.yml
  name: Macquarie Bank Business Capability Map
- type: DomainSecurity
  url: security/macquarie-bank-domain-security.yml
- type: AgenticAccess
  url: agentic-access/macquarie-bank-agentic-access.yml
- type: Authentication
  url: authentication/macquarie-bank-authentication.yml
- type: OAuthScopes
  url: scopes/macquarie-bank-scopes.yml
- type: Conformance
  url: conformance/macquarie-bank-conformance.yml
- type: ErrorCatalog
  url: errors/macquarie-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/macquarie-bank-lifecycle.yml
- type: StatusPage
  url: https://api.macquariebank.io/cds-au/v1/discovery/status
- type: Deprecation
  url: lifecycle/macquarie-bank-lifecycle.yml
- type: Conventions
  url: conventions/macquarie-bank-conventions.yml
- type: DataModel
  url: data-model/macquarie-bank-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/macquarie-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/_index.yml
- type: Sandbox
  url: sandbox/macquarie-bank-sandbox.yml
- type: Website
  url: https://www.macquarie.com.au/
- type: DeveloperPortal
  url: https://developer.macquariebank.io/devportal/
- type: Documentation
  url: https://www.macquarie.com.au/digital-banking/open-banking.html
- type: LinkedIn
  url: https://www.linkedin.com/company/macquariegroup/
- type: CDRRegister
  url: https://www.cdr.gov.au/find-a-provider
- type: Support
  url: https://www.macquarie.com.au/help/personal.html
- type: Newsroom
  url: https://www.macquarie.com.au/newsroom.html
- type: Contact
  url: https://www.macquarie.com.au/contact-us.html
- type: PrivacyPolicy
  url: https://www.macquarie.com.au/privacy-and-cookies.html
- type: TermsOfService
  url: https://www.macquarie.com.au/important-information.html
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api
- type: VulnerabilityDisclosure
  url: security/macquarie-bank-vulnerability-disclosure.yml
- type: Security
  url: https://www.macquarie.com/us/en/disclosures/cybersecurity.html
- type: Compliance
  url: https://www.macquarie.com/us/en/disclosures/cybersecurity.html
- type: SignUp
  url: https://developer.macquariebank.io/devportal/
apis:
- aid: macquarie-bank:macquarie-connectivity-data-api
  name: Macquarie Connectivity & Data API
  tags:
  - Payments
  - Account
  - Business Banking
  - Developer Portal
  - Connectivity
  tags_raw:
  - Payments
  - Accounts
  - Business Banking
  - Developer Portal
  - Connectivity
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.macquariebank.io/devportal/
  properties:
  - url: https://developer.macquariebank.io/devportal/
    type: DeveloperPortal
  - url: https://www.macquarie.com.au/help/business/manage-your-accounts/data-sharing-and-integration/macquarie-connectivity-solutions.html
    type: Documentation
  description: Macquarie's connectivity / data APIs for business, documented through the registered Macquarie developer portal,
    let approved businesses and software partners automate account information retrieval and payment operations (balances,
    transaction history, payment automation) as an alternative to file-based banking. Partner-gated - access, credentials
    and the OpenAPI/Swagger reference are only available after registration and approval through the developer portal (the
    portal is edge-protected and returns HTTP 403 to unauthenticated requests); no public, downloadable spec is published,
    so none is fabricated here.
- aid: macquarie-bank:macquarie-deft-payments-api
  name: Macquarie DEFT Payments API
  tags:
  - Payments
  - Direct Debit
  - Developer Portal
  - Business Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.macquariebank.io/devportal/
  properties:
  - url: https://developer.macquariebank.io/devportal/
    type: DeveloperPortal
  - url: https://www.macquarie.com.au/help/business/deft.html
    type: Documentation
  description: Macquarie's DEFT payments platform, surfaced through the registered Macquarie developer portal, lets businesses
    build branded payment experiences with tokenised credit card, bank account and direct debit APIs, payment schedules and
    one-off payments. Documentation and access require registration through the developer portal (no unauthenticated public
    base URL is published).
- aid: macquarie-bank:macquarie-bank-banking-account-balances-api
  name: Macquarie Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.macquarie.com.au/digital-banking/open-banking.html
  baseURL: https://api.macquariebank.io/cds-au/v1
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/macquarie-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.macquarie.com.au/digital-banking/open-banking.html
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#common-apis_common-apis_get-status
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-payees
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-accounts-balance-list-schema.json
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-accounts-balance-by-id-schema.json
- aid: macquarie-bank:macquarie-bank-banking-account-direct-debits-api
  name: Macquarie Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.macquarie.com.au/digital-banking/open-banking.html
  baseURL: https://api.macquariebank.io/cds-au/v1
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/macquarie-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.macquarie.com.au/digital-banking/open-banking.html
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#common-apis_common-apis_get-status
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-payees
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-direct-debit-authorisation-list-schema.json
- aid: macquarie-bank:macquarie-bank-banking-account-scheduled-payments-api
  name: Macquarie Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.macquarie.com.au/digital-banking/open-banking.html
  baseURL: https://api.macquariebank.io/cds-au/v1
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/macquarie-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.macquarie.com.au/digital-banking/open-banking.html
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#common-apis_common-apis_get-status
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-payees
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-scheduled-payments-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-instalment-plan-list-schema.json
- aid: macquarie-bank:macquarie-bank-banking-account-transactions-api
  name: Macquarie Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.macquarie.com.au/digital-banking/open-banking.html
  baseURL: https://api.macquariebank.io/cds-au/v1
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/macquarie-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.macquarie.com.au/digital-banking/open-banking.html
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#common-apis_common-apis_get-status
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-payees
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-transaction-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-transaction-by-id-v3-schema.json
- aid: macquarie-bank:macquarie-bank-banking-accounts-api
  name: Macquarie Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.macquarie.com.au/digital-banking/open-banking.html
  baseURL: https://api.macquariebank.io/cds-au/v1
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/macquarie-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.macquarie.com.au/digital-banking/open-banking.html
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#common-apis_common-apis_get-status
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-payees
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-account-list-v3-schema.json
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-account-by-id-v5-schema.json
- aid: macquarie-bank:macquarie-bank-banking-payees-api
  name: Macquarie Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.macquarie.com.au/digital-banking/open-banking.html
  baseURL: https://api.macquariebank.io/cds-au/v1
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/macquarie-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.macquarie.com.au/digital-banking/open-banking.html
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#common-apis_common-apis_get-status
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-payees
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-payee-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-payee-by-id-v2-schema.json
- aid: macquarie-bank:macquarie-bank-banking-products-api
  name: Macquarie Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.macquarie.com.au/digital-banking/open-banking.html
  baseURL: https://api.macquariebank.io/cds-au/v1
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/macquarie-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.macquarie.com.au/digital-banking/open-banking.html
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#common-apis_common-apis_get-status
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_banking-apis_get-payees
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-product-list-v4-schema.json
  - type: JSONSchema
    url: json-schema/macquarie-bank-response-banking-product-by-id-v7-schema.json
x-coverage:
  state: covered
  reason: enriched
  detail: Identity pass 2026-10-20. www.macquarie.com.au answers plain HTTP clients (including a browser UA) with 403, but
    renders normally in a headless browser, so pointers were verified by rendering. Dead PrivacyPolicy/TermsOfService (rendered
    "Page not found") replaced with the pages linked from the homepage footer; stale LinkedIn and Connectivity Documentation
    URLs updated. developer.macquariebank.io/devportal/ returns Akamai "Access Denied" even when rendered (edge policy, kept).
    www.cdr.gov.au timed out from here (not confirmed dead, kept).
  evidence:
  - url: https://www.macquarie.com.au/
    status: 403
  - url: https://www.macquarie.com.au/privacy-and-security.html
    status: 404
  - url: https://www.macquarie.com.au/terms-and-conditions.html
    status: 404
  - url: https://www.macquarie.com.au/privacy-and-cookies.html
    status: 200
  - url: https://www.macquarie.com.au/important-information.html
    status: 200
  - url: https://www.macquarie.com.au/newsroom.html
    status: 200
  - url: https://www.macquarie.com.au/contact-us.html
    status: 200
  - url: https://www.macquarie.com.au/help/personal.html
    status: 200
  - url: https://www.macquarie.com.au/help/business/manage-your-accounts/data-sharing-and-integration/macquarie-connectivity-solutions.html
    status: 200
  - url: https://www.linkedin.com/company/macquarie-group/
    status: 404
  - url: https://developer.macquariebank.io/devportal/
    status: 403
x-enrichment:
  date: '2026-10-20'
  status: enriched
  artifacts_added: 32
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

Macquarie Bank API — frequently asked questions

Does Macquarie Bank have an API?

Yes. APIs.io lists 9 APIs from Macquarie Bank, including Macquarie Connectivity & Data API, Macquarie DEFT Payments API and Macquarie Bank Banking Account Balances API, and 6 more.

Is there an OpenAPI specification for the Macquarie Bank API?

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

How do I authenticate with the Macquarie Bank API?

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

Is the Macquarie Bank API ready for AI agents?

Macquarie Bank has a Kin Score of 50.2 out of 100 (developing) and an Agent Readiness score of 28.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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