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
43.6/100 thin ▬ flat Agent 72/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer BankingAustraliaCustomer OwnedProduct Reference Data

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 43.6/100 · thin
Contract Quality 14.0 / 25
Developer Ergonomics 7.8 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 3.4 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 72/100 · 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 4 / 4
Consent & Bot Identity 3 / 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/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

MCP Servers 1

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

pn-bank-mcp.yml

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: '0.19'
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