P&N Bank website screenshot

P&N Bank

P&N Bank is the retail banking brand of Police & Nurses Limited (ABN 69 087 651 876, AFSL/Australian Credit Licence 240701), a customer-owned (mutual) bank owned by its members rather than shareholders and one of Western Australia's largest locally based banks, headquartered in Perth. It grew out of the Police & Nurses Credit Society and today sits within the broader P&N Group, which also operates the bcu brand on the New South Wales / Queensland east coast, offering everyday transaction and savings accounts, term deposits, home and personal loans, credit cards, and insurance. As an Authorised Deposit-taking Institution (ADI) it participates in Australia's Consumer Data Right (CDR / Open Banking), exposing a public, unauthenticated Product Reference Data (PRD) API built to the Data Standards Body (DSB) Consumer Data Standards; consumer data sharing beyond product reference data requires accredited data recipient status and the CDR OAuth2/OIDC FAPI authorization model.

P&N 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.

P&N Bank’s developer surface includes authentication, documentation, support, and 20 more developer resources.

🌐 Visit website 📡 Source on GitHub
36.8/100 thin ▬ flat Agent 37/100 agent ready Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer BankingAustraliaCustomer OwnedProduct Reference Data

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 36.8/100 · thin
Contract Quality 10.8 / 21
Developer Ergonomics 4.8 / 17
Access Clarity 3.6 / 17
Operational Transparency 1.5 / 11
Contract Governance 1.7 / 10
Discoverability 7.9 / 9
Regulatory Posture 5.9 / 15
Agent readiness — 37/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 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 3 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
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/pn-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.

P&N Bank Banking Account Balances API

Banking Account Balance endpoints

P&N Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

P&N Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

P&N Bank Banking Account Transactions API

Banking Account Transaction endpoints

P&N Bank Banking Accounts API

Banking Account endpoints

P&N Bank Banking Payees API

Banking Payee endpoints

P&N Bank Banking Products API

Banking Product endpoints

Scroll for all 7

Open Collections 8

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

CDR Banking Banking Account Balances API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Direct Debits API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Scheduled Payments API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Transactions API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Accounts API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Payees API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Products API

OPEN COLLECTION

Scroll for all 8

MCP Servers 1

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

P&N Bank MCP Server

MCP SERVER

Security Posture 3

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

Pn Bank Authentication

none · 0 schemes

SECURITY

Pn Bank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Pn Bank Vulnerability Disclosure

security.txt · contact published

SECURITY

Agentic Access 1

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

Pn Bank Agentic Access

19 operations · 3 acting

19 operations · 3 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 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

VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 Security
Security
 SecurityTxt
SecurityTxt
 Authentication
Authentication

Operate 2

Status, limits, changes, and where to get help

StatusPage
StatusPage
 Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy
 TermsOfService
TermsOfService

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: pn-bank
url: https://raw.githubusercontent.com/api-evangelist/pn-bank/refs/heads/main/apis.yml
name: P&N Bank
kind: company
description: P&N Bank is the retail banking brand of Police & Nurses Limited (ABN 69 087 651 876, AFSL/Australian Credit Licence
  240701), a customer-owned (mutual) bank owned by its members rather than shareholders and one of Western Australia's largest
  locally based banks, headquartered in Perth. It grew out of the Police & Nurses Credit Society and today sits within the
  broader P&N Group, which also operates the bcu brand on the New South Wales / Queensland east coast, offering everyday transaction
  and savings accounts, term deposits, home and personal loans, credit cards, and insurance. As an Authorised Deposit-taking
  Institution (ADI) it participates in Australia's Consumer Data Right (CDR / Open Banking), exposing a public, unauthenticated
  Product Reference Data (PRD) API built to the Data Standards Body (DSB) Consumer Data Standards; consumer data sharing beyond
  product reference data requires accredited data recipient status and the CDR OAuth2/OIDC FAPI authorization model.
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/pn-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Customer Owned
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21T17:00:00Z'
specificationVersion: '0.23'
apis:
- aid: pn-bank:pn-bank-banking-account-balances-api
  name: P&N Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/pn-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-status
  - type: StatusPage
    url: https://public.cdr-api.pnbank.com.au/cds-au/v1/discovery/status
- aid: pn-bank:pn-bank-banking-account-direct-debits-api
  name: P&N Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/pn-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-status
  - type: StatusPage
    url: https://public.cdr-api.pnbank.com.au/cds-au/v1/discovery/status
- aid: pn-bank:pn-bank-banking-account-scheduled-payments-api
  name: P&N Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/pn-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-status
  - type: StatusPage
    url: https://public.cdr-api.pnbank.com.au/cds-au/v1/discovery/status
- aid: pn-bank:pn-bank-banking-account-transactions-api
  name: P&N Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/pn-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-status
  - type: StatusPage
    url: https://public.cdr-api.pnbank.com.au/cds-au/v1/discovery/status
- aid: pn-bank:pn-bank-banking-accounts-api
  name: P&N Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/pn-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-status
  - type: StatusPage
    url: https://public.cdr-api.pnbank.com.au/cds-au/v1/discovery/status
- aid: pn-bank:pn-bank-banking-payees-api
  name: P&N Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/pn-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-status
  - type: StatusPage
    url: https://public.cdr-api.pnbank.com.au/cds-au/v1/discovery/status
- aid: pn-bank:pn-bank-banking-products-api
  name: P&N Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/pn-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: Documentation
    url: https://www.pnbank.com.au/help-and-support/open-banking/
  - 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
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-status
  - type: StatusPage
    url: https://public.cdr-api.pnbank.com.au/cds-au/v1/discovery/status
common:
- type: StatusPage
  url: https://public.cdr-api.pnbank.com.au/cds-au/v1/discovery/status
- type: VulnerabilityDisclosure
  url: security/pn-bank-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/pn-bank-domain-security.yml
- type: AgenticAccess
  url: agentic-access/pn-bank-agentic-access.yml
- type: Security
  url: https://www.pnbank.com.au/.well-known/security.txt
- type: SecurityTxt
  url: well-known/pn-bank-security.txt
- type: WellKnown
  url: well-known/pn-bank-well-known.yml
- type: Authentication
  url: authentication/pn-bank-authentication.yml
- type: Conventions
  url: conventions/pn-bank-conventions.yml
- type: ErrorCatalog
  url: errors/pn-bank-problem-types.yml
- type: Conformance
  url: conformance/pn-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/pn-bank-lifecycle.yml
- type: DataModel
  url: data-model/pn-bank-data-model.yml
- type: MCPServer
  url: mcp/pn-bank-mcp.yml
- type: Overlay
  url: overlays/pn-bank-cds-banking-products-overlay.yaml
- type: LLMsTxt
  url: llms/pn-bank-llms.txt
- type: AgentSkill
  url: skills/pn-bank-get-products.md
- type: Website
  url: https://www.pnbank.com.au/
- type: Documentation
  url: https://www.pnbank.com.au/help-and-support/open-banking/
- type: PrivacyPolicy
  url: https://www.pnbank.com.au/important-information/privacy/
- type: TermsOfService
  url: https://www.pnbank.com.au/important-information/terms-and-conditions/
- type: Support
  url: https://www.pnbank.com.au/contact/
- type: LinkedIn
  url: https://www.linkedin.com/company/p&n-bank
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com