# P&N Bank

**Canonical:** https://apis.io/providers/pn-bank/  
**Website:** https://www.pnbank.com.au/  
**APIs profiled:** 7

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.

## Kin Score — 36.8 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 36.8).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 28.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 39.2 (matched via tags).

## Agent readiness — 36.5 (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 | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (7)

- **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

## MCP servers (1)

- **P&N Bank MCP Server**

## Agentic access (1)

- **Pn Bank Agentic Access** — 19 operations · 3 acting

## Security (3)

- **Pn Bank Authentication** — none · 0 schemes
- **Pn Bank Domain Security** — TLSv1.3 · HSTS · DMARC
- **Pn Bank Vulnerability Disclosure** — security.txt · contact published

## Tags

Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Customer Owned, Product Reference Data

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