# People First Bank

**Canonical:** https://apis.io/providers/people-first-bank/  
**Website:** https://www.peoplefirstbank.com.au/  
**APIs profiled:** 7

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.

## Kin Score — 39.0 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 39.0).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 58.9 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

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

## Agent readiness — 34.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| 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 (7)

- **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

## MCP servers (1)

- **People First Bank MCP Server**

## Agentic access (1)

- **People First Bank Agentic Access** — 19 operations · 3 acting

## Security (2)

- **People First Bank Authentication** — none/oauth2/openIdConnect/mutualTLS · 3 schemes
- **People First Bank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Mutual Bank, Product Reference Data

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