National Australia Bank website screenshot

National Australia Bank

National Australia Bank (NAB) is one of Australia's "Big Four" banks and a major Authorised Deposit-taking Institution (ADI), headquartered in Melbourne and publicly listed on the Australian Securities Exchange (ASX:NAB) - a shareholder-owned institution rather than a customer-owned mutual. NAB serves retail, business, corporate, and institutional customers across Australia and New Zealand. As a regulated ADI, NAB is a mandated data holder under Australia's Consumer Data Right (CDR / Open Banking) and exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data Standards (CDS), alongside its accredited-only consumer data sharing surface and a public developer portal.

National Australia 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 Banking.

National Australia Bank’s developer surface includes developer portal, documentation, API reference, engineering blog, getting-started guide, support, authentication, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
50.0/100 developing ▬ flat Agent 55/100 agent ready Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
8 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer BankingAustraliaProduct Reference DataADI

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 50.0/100 · developing
Contract Quality 14.0 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Agent readiness — 55/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 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 4 / 4
Consent & Bot Identity 0 / 3
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/national-australia-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 8

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

National Australia Bank (NAB) Gateway Payments API

NAB's first-party merchant payments REST API platform (the NAB Gateway / NAB Transact developer portal at nabgateway-developer.nab.com.au), distinct from the CDR Open Banking su...

National Australia Bank Banking Account Balances API

Banking Account Balance endpoints

National Australia Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

National Australia Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

National Australia Bank Banking Account Transactions API

Banking Account Transaction endpoints

National Australia Bank Banking Accounts API

Banking Account endpoints

National Australia Bank Banking Payees API

Banking Payee endpoints

National Australia Bank Banking Products API

Banking Product endpoints

Scroll for all 8

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

national-australia-bank-mcp.yml

MCP SERVER

Security Posture 3

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

National Australia Bank Authentication

none/oauth2/openIdConnect/mutualTLS · 0 schemes

SECURITY

National Australia Bank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

National Australia Bank Vulnerability Disclosure

Hackerone · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

National Australia Bank Scopes

11 scopes · authorizationCode/clientCredentials/refreshToken

11 scopes

SCOPES

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 Portal
Portal
 GettingStarted
GettingStarted
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown
 MCPServer
MCPServer
 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 5

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes
 VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security

Operate 1

Status, limits, changes, and where to get help

Support
Support

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
 Blog
Blog

Other 2

Properties that don't map to a standard resource type

OpenIDConnect
OpenIDConnect
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: national-australia-bank
url: https://raw.githubusercontent.com/api-evangelist/national-australia-bank/refs/heads/main/apis.yml
name: National Australia Bank
kind: company
description: National Australia Bank (NAB) is one of Australia's "Big Four" banks and a major Authorised Deposit-taking Institution
  (ADI), headquartered in Melbourne and publicly listed on the Australian Securities Exchange (ASX:NAB) - a shareholder-owned
  institution rather than a customer-owned mutual. NAB serves retail, business, corporate, and institutional customers across
  Australia and New Zealand. As a regulated ADI, NAB is a mandated data holder under Australia's Consumer Data Right (CDR
  / Open Banking) and exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data
  Standards (CDS), alongside its accredited-only consumer data sharing surface and a public developer portal.
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/national-australia-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: national-australia-bank:national-australia-bank-gateway-payments-api
  name: National Australia Bank (NAB) Gateway Payments API
  tags:
  - Payments
  - Merchant
  - Tokenization
  - Invoicing
  - Reporting
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://nabgateway-developer.nab.com.au/
  properties:
  - url: https://nabgateway-developer.nab.com.au/
    type: DeveloperPortal
  - url: https://nabgateway-developer.nab.com.au/api-reference-assets/index.html
    type: APIReference
  - url: https://nabgateway-developer.nab.com.au/api/developer-guides.html
    type: Documentation
  - url: https://nabgateway-developer.nab.com.au/hello-world.html
    type: GettingStarted
  description: NAB's first-party merchant payments REST API platform (the NAB Gateway / NAB Transact developer portal at nabgateway-developer.nab.com.au),
    distinct from the CDR Open Banking surface. Documents a full merchant-acquiring API set - Payments (online and card-present,
    incl. Google Pay and Apple Pay), Token Management, Flex Microform (PCI-DSS scope reduction), Stored Credentials, Invoicing,
    Reporting, Transaction Search, Transaction Details and Transaction Batches - with field-level reference, code samples
    and a sandbox. Access is merchant-registered and the OpenAPI/Swagger is not published for public download (the reference
    renders in a client-side app), so this entry is documentation-only with no harvested spec; humanURL points at the live
    developer portal (HTTP 200).
- aid: national-australia-bank:national-australia-bank-banking-account-balances-api
  name: National Australia Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://developer.nab.com.au/docs/open-banking
  baseURL: https://openbank.api.nab.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/national-australia-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://developer.nab.com.au/docs/open-banking
  - 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: national-australia-bank:national-australia-bank-banking-account-direct-debits-api
  name: National Australia Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://developer.nab.com.au/docs/open-banking
  baseURL: https://openbank.api.nab.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/national-australia-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://developer.nab.com.au/docs/open-banking
  - 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: national-australia-bank:national-australia-bank-banking-account-scheduled-payments-api
  name: National Australia Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://developer.nab.com.au/docs/open-banking
  baseURL: https://openbank.api.nab.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/national-australia-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.nab.com.au/docs/open-banking
  - 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: national-australia-bank:national-australia-bank-banking-account-transactions-api
  name: National Australia Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://developer.nab.com.au/docs/open-banking
  baseURL: https://openbank.api.nab.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/national-australia-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.nab.com.au/docs/open-banking
  - 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: national-australia-bank:national-australia-bank-banking-accounts-api
  name: National Australia Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://developer.nab.com.au/docs/open-banking
  baseURL: https://openbank.api.nab.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/national-australia-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.nab.com.au/docs/open-banking
  - 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: national-australia-bank:national-australia-bank-banking-payees-api
  name: National Australia Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://developer.nab.com.au/docs/open-banking
  baseURL: https://openbank.api.nab.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/national-australia-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://developer.nab.com.au/docs/open-banking
  - 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: national-australia-bank:national-australia-bank-banking-products-api
  name: National Australia Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://developer.nab.com.au/docs/open-banking
  baseURL: https://openbank.api.nab.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/national-australia-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://developer.nab.com.au/docs/open-banking
  - 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: DomainSecurity
  url: security/national-australia-bank-domain-security.yml
- type: Website
  url: https://www.nab.com.au/
- type: DeveloperPortal
  url: https://developer.nab.com.au/
- type: Portal
  url: https://nabgateway-developer.nab.com.au/
- type: Documentation
  url: https://developer.nab.com.au/docs/open-banking
- type: APIReference
  url: https://nabgateway-developer.nab.com.au/api-reference-assets/index.html
- type: LinkedIn
  url: https://www.linkedin.com/company/national-australia-bank
- type: Blog
  url: https://news.nab.com.au/
- type: PrivacyPolicy
  url: https://www.nab.com.au/common/privacy-policy
- type: GettingStarted
  url: https://developer.nab.com.au/docs/open-banking
- type: Support
  url: https://developer.nab.com.au/support
- type: TermsOfService
  url: https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/services/nab-use-of-apis-developer-terms.pdf
- type: Authentication
  url: authentication/national-australia-bank-authentication.yml
- type: OpenIDConnect
  url: well-known/national-australia-bank-openid-configuration.json
- type: OAuthScopes
  url: scopes/national-australia-bank-scopes.yml
- type: WellKnown
  url: well-known/national-australia-bank-well-known.yml
- type: Conventions
  url: conventions/national-australia-bank-conventions.yml
- type: ErrorCatalog
  url: errors/national-australia-bank-error-codes.yml
- type: Conformance
  url: conformance/national-australia-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/national-australia-bank-lifecycle.yml
- type: DataModel
  url: data-model/national-australia-bank-data-model.yml
- type: MCPServer
  url: mcp/national-australia-bank-mcp.yml
- type: LLMsTxt
  url: llms/national-australia-bank-llms.txt
- type: AgentSkill
  url: skills/national-australia-bank-browse-products.md
- type: Overlay
  url: overlays/national-australia-bank-cds-banking-products-overlay.yaml
- type: VulnerabilityDisclosure
  url: security/national-australia-bank-vulnerability-disclosure.yml
- type: Security
  url: https://www.nab.com.au/about-us/security
- type: Sandbox
  url: sandbox/national-australia-bank-sandbox.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com