MyState Bank website screenshot

MyState Bank

MyState Bank is an Australian retail bank headquartered in Hobart, Tasmania, and the principal banking brand of ASX-listed MyState Limited (ASX:MYS). It traces its origins to a Tasmanian credit union serving teachers, police and nurses, formed its current group in the 2009 merger of Tasmanian Perpetual Trustees and MyState Financial, was authorised to use the MyState Bank name in 2014, and in February 2025 completed a merger with Queensland regional lender Auswide Bank to create one of Australia's larger regional banking groups. As an authorised deposit-taking institution (ADI) it is a regulated data holder under the Australian Consumer Data Right (CDR / Open Banking) and exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Consumer Data Standards (CDS). Consumer data sharing beyond PRD is protected under the CDR's accredited-data-recipient model.

MyState Bank publishes 7 API contracts indexed 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 Finance, Banks, Open Banking, CDR, and Consumer Data Right.

The MyState Bank catalog on APIs.io includes 1 Spectral governance ruleset.

MyState Bank’s developer surface includes support, documentation, authentication, and 19 more developer resources.

🌐 Visit website📡 Profile data on GitHub
32.1/100 thin ▬ flat Agent 24/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →
AccessSelf serve
2 published contracts 1 Agent Skills
FinanceBanksOpen BankingCDRConsumer Data RightConsumer BankingAustraliaProduct Reference Data

What this lets a business do 2

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

Banking Product Management
BC-1310
Banking ProductsProducts
GET /banking/products GET /banking/products/{productId}
Payments & Card Management
BC-1340
Banking Account Scheduled Payments
GET /banking/payments/scheduled

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0
Composite quality — 32.1/100 · thin
Contract Quality 8.4 / 19
Developer Ergonomics 5.3 / 15
Access Clarity 3.2 / 15
Operational Transparency 0.8 / 10
Contract Governance 1.6 / 9
Discoverability 5.5 / 8
Regulatory Posture 3.0 / 15
Create-or-Update Ergonomics 0.0 / 10
Agent readiness — 24/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 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
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/.
Show this score on your site. Kin Score badge preview for MyState Bank It updates itself when the score changes. Paste this where you link to your API docs: 
<a href="https://apis.io/providers/mystate-bank/"><img src="https://apis.io/badge/mystate-bank/card.svg" alt="MyState Bank on APIs.io — Kin Score by API Evangelist"></a>
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Raise your score.
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
  • Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
  • 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
  • Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
  • Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
9 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
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/mystate-bank/apis.yml: open an issue on github.com/api-evangelist/mystate-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.

MarketPositionDepthRegistered MCP serverDeclares compatibility
Australia Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending) regulated 57.5 - -
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 4

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)
Mutual TLS
measured — observed by APIs.io (declared)

APIs 7

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

MyState Bank Banking Account Balances API

Banking Account Balance endpoints

MyState Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

MyState Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

MyState Bank Banking Account Transactions API

Banking Account Transaction endpoints

MyState Bank Banking Accounts API

Banking Account endpoints

MyState Bank Banking Payees API

Banking Payee endpoints

MyState Bank Banking Products API

Banking Product endpoints

Scroll for all 7

Open Collections 8

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

CDR Banking Banking Account Balances API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Direct Debits API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Scheduled Payments API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Transactions API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Accounts API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Payees API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Products API

OPEN COLLECTION

CDR Banking Banking Account Balances Products API

OPEN COLLECTION

Scroll for all 8

Agent Skills 1

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

Compare MyState Bank banking products

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

MyState Bank API Rules

68 rules · 62 errors 5 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

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.

Mystate Bank Cds Banking Products Overlay

4 actions · update · mystate-bank-cds-banking-products-openapi.yml

DERIVED

Security Posture 2

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

Mystate Bank Authentication

none/oauth2/mutualTLS · 3 schemes

SECURITY

Mystate Bank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Documentation 2

Reference material describing how the API behaves

ProductReferenceData
ProductReferenceData
 Documentation
Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate
X-MCPServerCandidate
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 Lifecycle
Lifecycle
 DataModel
DataModel

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 2

Status, limits, changes, and where to get help

Support
Support
 Deprecation
Deprecation

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy
 TermsOfService
TermsOfService

Company 3

The organization behind the API

Website
Website
 LinkedIn
LinkedIn
 InvestorRelations
InvestorRelations

Other 3

Properties that don't map to a standard resource type

CapabilityMap
CapabilityMap
 Standards
Standards
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: mystate-bank
url: https://raw.githubusercontent.com/api-evangelist/mystate-bank/refs/heads/main/apis.yml
name: MyState Bank
kind: company
description: MyState Bank is an Australian retail bank headquartered in Hobart, Tasmania, and the principal banking brand
  of ASX-listed MyState Limited (ASX:MYS). It traces its origins to a Tasmanian credit union serving teachers, police and
  nurses, formed its current group in the 2009 merger of Tasmanian Perpetual Trustees and MyState Financial, was authorised
  to use the MyState Bank name in 2014, and in February 2025 completed a merger with Queensland regional lender Auswide Bank
  to create one of Australia's larger regional banking groups. As an authorised deposit-taking institution (ADI) it is a regulated
  data holder under the Australian Consumer Data Right (CDR / Open Banking) and exposes a public, unauthenticated Product
  Reference Data (PRD) API conforming to the Consumer Data Standards (CDS). Consumer data sharing beyond PRD is protected
  under the CDR's accredited-data-recipient model.
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: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/mystate-bank.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Product Reference Data
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.23'
apis:
- aid: mystate-bank:mystate-bank-banking-account-balances-api
  name: MyState Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://mystate.com.au/help-centre/open-banking-help/
  baseURL: https://public.cdr.mystate.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/mystate-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://mystate.com.au/help-centre/open-banking-help/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: mystate-bank:mystate-bank-banking-account-direct-debits-api
  name: MyState Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://mystate.com.au/help-centre/open-banking-help/
  baseURL: https://public.cdr.mystate.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/mystate-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://mystate.com.au/help-centre/open-banking-help/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: mystate-bank:mystate-bank-banking-account-scheduled-payments-api
  name: MyState Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://mystate.com.au/help-centre/open-banking-help/
  baseURL: https://public.cdr.mystate.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/mystate-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://mystate.com.au/help-centre/open-banking-help/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: mystate-bank:mystate-bank-banking-account-transactions-api
  name: MyState Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://mystate.com.au/help-centre/open-banking-help/
  baseURL: https://public.cdr.mystate.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/mystate-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://mystate.com.au/help-centre/open-banking-help/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: mystate-bank:mystate-bank-banking-accounts-api
  name: MyState Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://mystate.com.au/help-centre/open-banking-help/
  baseURL: https://public.cdr.mystate.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/mystate-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://mystate.com.au/help-centre/open-banking-help/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: mystate-bank:mystate-bank-banking-payees-api
  name: MyState Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://mystate.com.au/help-centre/open-banking-help/
  baseURL: https://public.cdr.mystate.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/mystate-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://mystate.com.au/help-centre/open-banking-help/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: mystate-bank:mystate-bank-banking-products-api
  name: MyState Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://mystate.com.au/help-centre/open-banking-help/
  baseURL: https://public.cdr.mystate.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/mystate-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://mystate.com.au/help-centre/open-banking-help/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
common:
- type: CapabilityMap
  url: capabilities/mystate-bank-capability-edges.yml
  name: MyState Bank Business Capability Map
- type: DomainSecurity
  url: security/mystate-bank-domain-security.yml
- type: Website
  url: https://www.mystate.com.au/
- type: LinkedIn
  url: https://www.linkedin.com/company/mystate-limited
- type: InvestorRelations
  url: https://mystatelimited.com.au/
- type: ProductReferenceData
  url: https://public.cdr.mystate.com.au/cds-au/v1/banking/products
- type: Standards
  url: https://consumerdatastandardsaustralia.github.io/standards/
- type: Support
  url: https://mystate.com.au/help-centre/open-banking-help/
- type: Documentation
  url: https://mystate.com.au/help-centre/open-banking-help/
- type: PrivacyPolicy
  url: https://mystate.com.au/legal/privacy-policy/
- type: TermsOfService
  url: https://mystate.com.au/legal/
- type: Conventions
  url: conventions/mystate-bank-conventions.yml
- type: Authentication
  url: authentication/mystate-bank-authentication.yml
- type: ErrorCatalog
  url: errors/mystate-bank-problem-types.yml
- type: Conformance
  url: conformance/mystate-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/mystate-bank-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: DataModel
  url: data-model/mystate-bank-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/mystate-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: LLMsTxt
  url: llms/mystate-bank-llms.txt
- type: Overlay
  url: overlays/mystate-bank-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

MyState Bank API — frequently asked questions

Does MyState Bank have an API?

Yes. APIs.io lists 7 APIs from MyState Bank, including MyState Bank Banking Account Balances API, MyState Bank Banking Account Direct Debits API and MyState Bank Banking Account Scheduled Payments API, and 4 more.

Is there an OpenAPI specification for the MyState Bank API?

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

How do I authenticate with the MyState Bank API?

MyState Bank uses bearer-token authentication (none/oauth2/mutualTLS · 3 schemes). The details are profiled on APIs.io as Mystate Bank Authentication.

Is the MyState Bank API ready for AI agents?

MyState Bank has a Kin Score of 32.1 out of 100 (thin) and an Agent Readiness score of 23.8 (agent-aware), scored by API Evangelist on 2026-11-06.

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