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 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 Data Right.

Macquarie Bank’s developer surface includes authentication, sandbox, documentation, support, API reference, signup flow, and 23 more developer resources.

🌐 Visit website 📡 Source on GitHub

45.0/100 developing ▬ flat Agent 34/100 agent ready Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

AccessSelf serve

9 APIs 1 MCP Servers

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

Kin Score

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

Composite quality — 45.0/100 · developing

Contract Quality 10.8 / 21

Developer Ergonomics 8.8 / 17

Access Clarity 3.6 / 17

Operational Transparency 2.9 / 11

Contract Governance 1.7 / 10

Discoverability 6.1 / 9

Regulatory Posture 9.7 / 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/macquarie-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 9

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.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Macquarie Bank Scopes

10 scopes · authorizationCode

10 scopes

SCOPES

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 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

LLMsTxt

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

DataModel

Access & Security 6

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

Compliance

Compliance

Operate 3

Status, limits, changes, and where to get help

StatusPage

StatusPage

Deprecation

Deprecation

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

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: 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.
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/macquarie-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Product Reference Data
- Payments
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.23'
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/connectivity-services-and-open-banking/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/banking
  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
- 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/banking
  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
- 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/banking
  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
- 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/banking
  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
- 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/banking
  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
- 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/banking
  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
- 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/banking
  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
common:
- 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: MCPServer
  url: mcp/macquarie-bank-mcp.yml
- type: Overlay
  url: overlays/macquarie-bank-cds-banking-products-overlay.yaml
- type: LLMsTxt
  url: llms/macquarie-bank-llms.txt
- 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/macquarie-group/
- type: CDRRegister
  url: https://www.cdr.gov.au/find-a-provider
- type: Support
  url: https://www.macquarie.com.au/help.html
- type: PrivacyPolicy
  url: https://www.macquarie.com.au/privacy-and-security.html
- type: TermsOfService
  url: https://www.macquarie.com.au/terms-and-conditions.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/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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