Police Bank website screenshot

Police Bank

Police Bank is a mutual, member-owned Australian bank (ABN 95 087 650 799, ACN 087 650 799, AFSL / Australian Credit Licence No. 240018) founded to serve the New South Wales police community and their families and now open to the wider public. As an Authorised Deposit-taking Institution it participates in Australia's Consumer Data Right (Open Banking) regime as an active data holder - it publishes an unauthenticated Product Reference Data (PRD) API conforming to the Consumer Data Standards, and lets members share their banking data with ACCC-accredited data recipients. Police Bank states it is in the process of gaining ACCC accreditation to also receive data as an Accredited Data Recipient.

Police 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 Police Bank catalog on APIs.io includes 1 Spectral governance ruleset.

Police Bank’s developer surface includes documentation, support, authentication, and 16 more developer resources.

🌐 Visit website📡 Profile data on GitHub
26.1/100 emerging ▬ flat Agent 26/100 agent aware Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →
AccessOpen
1 published contract 1 Agent Skills
FinanceBanksOpen BankingCDRConsumer BankingAustraliaMutual BankProduct Reference Data

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management
BC-1340
Banking Account Direct DebitsBanking Account Scheduled PaymentsBanking Payees
GET /banking/accounts/{accountId}/payments/scheduled GET /banking/accounts/{accountId}/direct-debits GET /banking/payees
Banking Product Management
BC-1310
Banking Products
GET /banking/products
Deposits & Savings Management
BC-1330
Banking Accounts
GET /banking/accounts

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0
Composite quality — 26.1/100 · emerging
Contract Quality 8.4 / 19
Developer Ergonomics 3.8 / 15
Access Clarity 0.0 / 15
Operational Transparency 0.0 / 10
Contract Governance 1.6 / 9
Discoverability 5.5 / 8
Regulatory Posture 4.0 / 15
Create-or-Update Ergonomics 0.0 / 10
Agent readiness — 26/100 · agent aware
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 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
Pagination 5 / 5
Distinct Operations 3 / 3
MCP Tool Quality 6 / 6
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.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Show this score on your site. Kin Score badge preview for Police Bank It updates itself when the score changes. Paste this where you link to your API docs: 
<a href="https://apis.io/providers/police-bank/"><img src="https://apis.io/badge/police-bank/card.svg" alt="Police Bank on APIs.io — Kin Score by API Evangelist"></a>
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Raise your score.
Agent readiness — checks not met, largest first (exact, from this profile):
  • MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
  • Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
  • A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
  • Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
  • Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
  • Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
8 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/police-bank/apis.yml: open an issue on github.com/api-evangelist/police-bank to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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.

MarketPositionDepthRegistered MCP serverDeclares compatibility
Australia Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending) regulated 57.5 - -
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing) regulated 57.5 - -

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 1

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.

OpenAPI
measured — observed by APIs.io (published)

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Police Bank Banking Account Balances API

Banking Account Balance endpoints

Police Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Police Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Police Bank Banking Account Transactions API

Banking Account Transaction endpoints

Police Bank Banking Accounts API

Banking Account endpoints

Police Bank Banking Payees API

Banking Payee endpoints

Police 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 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 7

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

Look up Police Bank banking products (CDR PRD)

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Police Bank API Rules

68 rules · 62 errors 5 warnings 1 info

SPECTRAL

OpenAPI 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.

Police Bank Cds Banking Products Overlay

4 actions · update · police-bank-cds-banking-products-openapi.yml

DERIVED

Security Posture 2

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

Police Bank Authentication

0 schemes

SECURITY

Police Bank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Police Bank Scopes

5 scopes · authorizationCode

5 scopes

SCOPES

Agentic Access 1

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

Police Bank Agentic Access

19 operations

19 operations · 0 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 X-MCPServerCandidate
X-MCPServerCandidate
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

ErrorCatalog
ErrorCatalog
 Conventions
Conventions
 Conformance
Conformance
 Lifecycle
Lifecycle
 DataModel
DataModel

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy

Company 1

The organization behind the API

Website
Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap
CapabilityMap
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: police-bank
url: https://raw.githubusercontent.com/api-evangelist/police-bank/refs/heads/main/apis.yml
name: Police Bank
kind: company
description: Police Bank is a mutual, member-owned Australian bank (ABN 95 087 650 799, ACN 087 650 799, AFSL / Australian
  Credit Licence No. 240018) founded to serve the New South Wales police community and their families and now open to the
  wider public. As an Authorised Deposit-taking Institution it participates in Australia's Consumer Data Right (Open Banking)
  regime as an active data holder - it publishes an unauthenticated Product Reference Data (PRD) API conforming to the Consumer
  Data Standards, and lets members share their banking data with ACCC-accredited data recipients. Police Bank states it is
  in the process of gaining ACCC accreditation to also receive data as an Accredited Data Recipient.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: open
  trial: false
  try_now: false
  public: true
  gated: none
  gated_source:
  - onboarding
  label: Open access
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/police-bank.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21T12:00:00Z'
specificationVersion: '0.23'
apis:
- aid: police-bank:police-bank-banking-account-balances-api
  name: Police Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.policebank.com.au/open-banking
  baseURL: https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/police-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.policebank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - 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
- aid: police-bank:police-bank-banking-account-direct-debits-api
  name: Police Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.policebank.com.au/open-banking
  baseURL: https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/police-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.policebank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - 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
- aid: police-bank:police-bank-banking-account-scheduled-payments-api
  name: Police Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.policebank.com.au/open-banking
  baseURL: https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/police-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.policebank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - 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
- aid: police-bank:police-bank-banking-account-transactions-api
  name: Police Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.policebank.com.au/open-banking
  baseURL: https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/police-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.policebank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - 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
- aid: police-bank:police-bank-banking-accounts-api
  name: Police Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.policebank.com.au/open-banking
  baseURL: https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/police-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.policebank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - 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
- aid: police-bank:police-bank-banking-payees-api
  name: Police Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.policebank.com.au/open-banking
  baseURL: https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/police-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.policebank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - 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
- aid: police-bank:police-bank-banking-products-api
  name: Police Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.policebank.com.au/open-banking
  baseURL: https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/police-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.policebank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - 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
common:
- type: CapabilityMap
  url: capabilities/police-bank-capability-edges.yml
  name: Police Bank Business Capability Map
- type: AgenticAccess
  url: agentic-access/police-bank-agentic-access.yml
- type: DomainSecurity
  url: security/police-bank-domain-security.yml
- type: Website
  url: https://www.policebank.com.au/
- type: Documentation
  url: https://www.policebank.com.au/open-banking
- type: PrivacyPolicy
  url: https://www.policebank.com.au/privacy-policy
- type: Support
  url: https://www.policebank.com.au/contact-us
- type: DeveloperPortal
  url: https://product.api.policebank.com.au/
- type: Authentication
  url: authentication/police-bank-authentication.yml
- type: OAuthScopes
  url: scopes/police-bank-scopes.yml
- type: ErrorCatalog
  url: errors/police-bank-problem-types.yml
- type: Conventions
  url: conventions/police-bank-conventions.yml
- type: Conformance
  url: conformance/police-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/police-bank-lifecycle.yml
- type: X-MCPServerCandidate
  url: mcp/police-bank-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: DataModel
  url: data-model/police-bank-data-model.yml
- type: Overlay
  url: overlays/police-bank-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/police-bank-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Police Bank API — frequently asked questions

Does Police Bank have an API?

Yes. APIs.io lists 7 APIs from Police Bank, including Police Bank Banking Account Balances API, Police Bank Banking Account Direct Debits API and Police Bank Banking Account Scheduled Payments API, and 4 more.

Is there an OpenAPI specification for the Police Bank API?

Yes. APIs.io indexes 7 OpenAPI specifications for Police Bank, each linked for download from this page.

How do I authenticate with the Police Bank API?

Police Bank uses bearer-token authentication (0 schemes). The details are profiled on APIs.io as Police Bank Authentication.

Is the Police Bank API ready for AI agents?

Police Bank has a Kin Score of 26.1 out of 100 (emerging) and an Agent Readiness score of 25.5 (agent-aware), scored by API Evangelist on 2026-11-06.

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