People First Bank website screenshot

People First Bank

People First Bank is an Australian customer-owned mutual bank, trading name of Heritage and People's Choice Ltd (ABN 11 087 651 125), formed from the 2023 merger of Heritage Bank and People's Choice Credit Union and carrying more than 150 years of combined mutual heritage. As a B Corp certified, member-owned authorised deposit-taking institution (ADI), it offers everyday transaction and savings accounts, home, personal and car loans, and insurance across digital channels and a national branch network. Under Australia's Consumer Data Right (CDR / open banking), the bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body Consumer Data Standards; consumer data sharing beyond PRD runs through the accredited data recipient model secured with OAuth2/OIDC (FAPI) rather than a general-purpose public developer platform.

People First 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.

People First Bank’s developer surface includes authentication, documentation, getting-started guide, API reference, engineering blog, support, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
43.2/100 thin ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer BankingAustraliaMutual BankProduct Reference Data

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 43.2/100 · thin
Contract Quality 13.5 / 25
Developer Ergonomics 13.5 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 65/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 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 0 / 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/people-first-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 7

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

People First Bank Banking Account Balances API

Banking Account Balance endpoints

People First Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

People First Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

People First Bank Banking Account Transactions API

Banking Account Transaction endpoints

People First Bank Banking Accounts API

Banking Account endpoints

People First Bank Banking Payees API

Banking Payee endpoints

People First Bank Banking Products API

Banking Product endpoints

Scroll for all 7

MCP Servers 1

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

people-first-bank-mcp.yml

MCP SERVER

Security Posture 2

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

People First Bank Authentication

none/oauth2/openIdConnect/mutualTLS · 3 schemes

SECURITY

People First Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

People First Bank Agentic Access

19 operations · 3 acting

19 operations · 3 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

ErrorCatalog
ErrorCatalog
 Conventions
Conventions
 Conformance
Conformance
 Lifecycle
Lifecycle
 DataModel
DataModel

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

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 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: people-first-bank
url: https://raw.githubusercontent.com/api-evangelist/people-first-bank/refs/heads/main/apis.yml
name: People First Bank
kind: company
description: People First Bank is an Australian customer-owned mutual bank, trading name of Heritage and People's Choice Ltd
  (ABN 11 087 651 125), formed from the 2023 merger of Heritage Bank and People's Choice Credit Union and carrying more than
  150 years of combined mutual heritage. As a B Corp certified, member-owned authorised deposit-taking institution (ADI),
  it offers everyday transaction and savings accounts, home, personal and car loans, and insurance across digital channels
  and a national branch network. Under Australia's Consumer Data Right (CDR / open banking), the bank exposes a public, unauthenticated
  Product Reference Data (PRD) API conforming to the Data Standards Body Consumer Data Standards; consumer data sharing beyond
  PRD runs through the accredited data recipient model secured with OAuth2/OIDC (FAPI) rather than a general-purpose public
  developer platform.
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/people-first-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: people-first-bank:people-first-bank-banking-account-balances-api
  name: People First Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  baseURL: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/people-first-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  - 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: people-first-bank:people-first-bank-banking-account-direct-debits-api
  name: People First Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  baseURL: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/people-first-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  - 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: people-first-bank:people-first-bank-banking-account-scheduled-payments-api
  name: People First Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  baseURL: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/people-first-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  - 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: people-first-bank:people-first-bank-banking-account-transactions-api
  name: People First Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  baseURL: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/people-first-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  - 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: people-first-bank:people-first-bank-banking-accounts-api
  name: People First Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  baseURL: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/people-first-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  - 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: people-first-bank:people-first-bank-banking-payees-api
  name: People First Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  baseURL: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/people-first-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  - 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: people-first-bank:people-first-bank-banking-products-api
  name: People First Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  baseURL: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/people-first-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  - 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/people-first-bank-domain-security.yml
- type: Authentication
  url: authentication/people-first-bank-authentication.yml
- type: AgenticAccess
  url: agentic-access/people-first-bank-agentic-access.yml
- type: ErrorCatalog
  url: errors/people-first-bank-problem-types.yml
- type: Conventions
  url: conventions/people-first-bank-conventions.yml
- type: Conformance
  url: conformance/people-first-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/people-first-bank-lifecycle.yml
- type: MCPServer
  url: mcp/people-first-bank-mcp.yml
- type: LLMsTxt
  url: llms/people-first-bank-llms.txt
- type: Overlay
  url: overlays/people-first-bank-cds-banking-products-overlay.yaml
- type: DataModel
  url: data-model/people-first-bank-data-model.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://www.peoplefirstbank.com.au/
- type: DeveloperPortal
  url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
- type: Documentation
  url: https://www.peoplefirstbank.com.au/help-and-support/open-banking
- type: GettingStarted
  url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
- type: LinkedIn
  url: https://www.linkedin.com/company/people-first-bank
- type: Blog
  url: https://www.peoplefirstbank.com.au/help-and-support/blog
- type: PrivacyPolicy
  url: https://www.peoplefirstbank.com.au/privacy
- type: TermsOfService
  url: https://www.peoplefirstbank.com.au/disclaimer
- type: Support
  url: https://www.peoplefirstbank.com.au/help-and-support/contact-us
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com