# MyState Bank

**Canonical:** https://apis.io/providers/mystate-bank/  
**Website:** https://www.mystate.com.au/  
**APIs profiled:** 8

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.

## Kin Score — 33.8 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 33.8).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 50.7 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 28.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 31.6 (matched via tags).

## Agent readiness — 31.8 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| 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 (8)

- **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
- **MyState Bank Products API** — The Products API from MyState Bank — 2 operation(s) for products.

## MCP servers (1)

- **MyState Bank MCP Server**

## Security (2)

- **Mystate Bank Authentication** — none/oauth2/mutualTLS · 3 schemes
- **Mystate Bank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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