# Macquarie Bank

**Canonical:** https://apis.io/providers/macquarie-bank/  
**Website:** https://www.macquarie.com.au/  
**APIs profiled:** 9

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.

## Kin Score — 45.0 / 100 (developing)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 45.0).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 51.8 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 64.6 (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 (9)

- **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

## MCP servers (1)

- **Macquarie Bank MCP Server**

## Agentic access (1)

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

## Security (3)

- **Macquarie Bank Authentication** — none/oauth2/openIdConnect/mutualTLS · 4 schemes
- **Macquarie Bank Domain Security** — TLSv1.3 · DMARC
- **Macquarie Bank Vulnerability Disclosure** — Bugcrowd · contact published

## Tags

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

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