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 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 Banking.
The People First Bank catalog on APIs.io includes 1 Spectral governance ruleset.
People First Bank’s developer surface includes authentication, documentation, getting-started guide, API reference, engineering blog, support, and 17 more developer resources.
What this lets a business do 1
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
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.
| Market | Position | Depth | Registered MCP server | Declares compatibility |
|---|---|---|---|---|
| Australia Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending) | regulated | 19.2 (thin) | - | - |
| Australia AFS, Credit and ADI Registers (ASIC + APRA licensing) | regulated | 19.2 (thin) | - | - |
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.
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
Open Collections 7
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
CDR Banking Banking Account Balances API
OPEN COLLECTIONCDR Banking Banking Account Balances Banking Accounts API
OPEN COLLECTIONCDR Banking Banking Account Balances Banking Payees API
OPEN COLLECTIONCDR Banking Banking Account Balances Banking Products API
OPEN COLLECTIONScroll for all 7
Agent Skills 1
Packaged agent skills for driving this provider's APIs from an AI assistant.
Look up People First Bank banking products
AGENT SKILLSpectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
People First Bank API Rules
SPECTRALOpenAPI 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.
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 2
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 5
Pagination, idempotency, versioning, errors, and events
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 2
Properties that don't map to a standard resource type
Source (apis.yml)
People First Bank API — frequently asked questions
Does People First Bank have an API?
Yes. APIs.io lists 7 APIs from People First Bank, including People First Bank Banking Account Balances API, People First Bank Banking Account Direct Debits API and People First Bank Banking Account Scheduled Payments API, and 4 more.
Is there an OpenAPI specification for the People First Bank API?
Yes. APIs.io indexes 7 OpenAPI specifications for People First Bank, each linked for download from this page.
How do I authenticate with the People First Bank API?
People First Bank uses bearer-token authentication (none/oauth2/openIdConnect/mutualTLS · 3 schemes). The details are profiled on APIs.io as People First Bank Authentication.
Is the People First Bank API ready for AI agents?
People First Bank has a Kin Score of 35.9 out of 100 (thin) and an Agent Readiness score of 25.5 (agent-aware), scored by API Evangelist on 2026-11-06.
Work with this as data
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