# National Australia Bank

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

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.

## Kin Score — 40.3 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 40.3).

| Facet | Score |
|---|---|
| Discoverability | 83.3 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 30.4 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 68.4 (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)

- **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

## MCP servers (1)

- **National Australia Bank MCP Server**

## Security (3)

- **National Australia Bank Authentication** — none/oauth2/openIdConnect/mutualTLS · 0 schemes
- **National Australia Bank Domain Security** — TLSv1.3 · HSTS · DMARC
- **National Australia Bank Vulnerability Disclosure** — Hackerone · contact published

## Tags

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

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