Qudos Bank

Qudos Bank is an Australian customer-owned (mutual) bank that has been 100% customer-owned since 1959, serving members with everyday transaction and savings accounts, term deposits, credit cards, home and personal loans, and offset accounts. Following its 2025 merger it now operates as a division of Bank Australia Limited (ABN 21 087 651 607, trading as Qudos Bank), one of the largest customer-owned banks in the country. As an Australian authorised deposit-taking institution and a designated data holder under the Consumer Data Right (CDR / Open Banking), Qudos Bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body Consumer Data Standards, and supports authenticated CDR consumer data sharing with accredited data recipients under the ACCC / FAPI security profile.

Qudos 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.

Qudos Bank’s developer surface includes authentication, documentation, API reference, getting-started guide, engineering blog, support, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub

47.9/100 developing ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

7 APIs 1 MCP Servers

FinancialBanksOpen BankingCDRConsumer BankingAustraliaCustomer OwnedMutual BankProduct Reference Data

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 47.9/100 · developing

Contract Quality 13.5 / 25

Developer Ergonomics 11.7 / 20

Commercial Clarity 5.8 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 10.0 / 10

Agent readiness — 65/100 · 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 0 / 4

Consent & Bot Identity 0 / 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/qudos-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.

MCP Servers 1

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

Scopes 1

OAuth scopes governing access to this provider's APIs.

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

OAuthScopes

Compliance

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: qudos-bank
url: https://raw.githubusercontent.com/api-evangelist/qudos-bank/refs/heads/main/apis.yml
name: Qudos Bank
kind: company
description: Qudos Bank is an Australian customer-owned (mutual) bank that has been 100% customer-owned since 1959, serving
  members with everyday transaction and savings accounts, term deposits, credit cards, home and personal loans, and offset
  accounts. Following its 2025 merger it now operates as a division of Bank Australia Limited (ABN 21 087 651 607, trading
  as Qudos Bank), one of the largest customer-owned banks in the country. As an Australian authorised deposit-taking institution
  and a designated data holder under the Consumer Data Right (CDR / Open Banking), Qudos Bank exposes a public, unauthenticated
  Product Reference Data (PRD) API conforming to the Data Standards Body Consumer Data Standards, and supports authenticated
  CDR consumer data sharing with accredited data recipients under the ACCC / FAPI security profile.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/qudos-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Customer Owned
- Mutual Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: qudos-bank:qudos-bank-banking-account-balances-api
  name: Qudos Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.qudosbank.com.au/support/open-banking
  baseURL: https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/qudos-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.qudosbank.com.au/support/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
- aid: qudos-bank:qudos-bank-banking-account-direct-debits-api
  name: Qudos Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.qudosbank.com.au/support/open-banking
  baseURL: https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/qudos-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.qudosbank.com.au/support/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
- aid: qudos-bank:qudos-bank-banking-account-scheduled-payments-api
  name: Qudos Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.qudosbank.com.au/support/open-banking
  baseURL: https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/qudos-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.qudosbank.com.au/support/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
- aid: qudos-bank:qudos-bank-banking-account-transactions-api
  name: Qudos Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.qudosbank.com.au/support/open-banking
  baseURL: https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/qudos-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.qudosbank.com.au/support/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
- aid: qudos-bank:qudos-bank-banking-accounts-api
  name: Qudos Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.qudosbank.com.au/support/open-banking
  baseURL: https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/qudos-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.qudosbank.com.au/support/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
- aid: qudos-bank:qudos-bank-banking-payees-api
  name: Qudos Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.qudosbank.com.au/support/open-banking
  baseURL: https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/qudos-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.qudosbank.com.au/support/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
- aid: qudos-bank:qudos-bank-banking-products-api
  name: Qudos Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.qudosbank.com.au/support/open-banking
  baseURL: https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/qudos-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.qudosbank.com.au/support/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
common:
- type: AgenticAccess
  url: agentic-access/qudos-bank-agentic-access.yml
- type: DomainSecurity
  url: security/qudos-bank-domain-security.yml
- type: Authentication
  url: authentication/qudos-bank-authentication.yml
- type: OAuthScopes
  url: scopes/qudos-bank-scopes.yml
- type: Conventions
  url: conventions/qudos-bank-conventions.yml
- type: ErrorCatalog
  url: errors/qudos-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/qudos-bank-lifecycle.yml
- type: Conformance
  url: conformance/qudos-bank-conformance.yml
- type: Compliance
  url: https://www.qudosbank.com.au/support/open-banking
- type: DataModel
  url: data-model/qudos-bank-data-model.yml
- type: MCPServer
  url: mcp/qudos-bank-mcp.yml
- type: LLMsTxt
  url: llms/qudos-bank-llms.txt
- type: Overlay
  url: overlays/qudos-bank-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/qudos-bank-list-products.md
- type: AgentSkill
  url: skills/qudos-bank-get-product-detail.md
- type: Website
  url: https://www.qudosbank.com.au/
- type: Documentation
  url: https://www.qudosbank.com.au/support/open-banking
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/
- type: GettingStarted
  url: https://www.qudosbank.com.au/support/open-banking
- type: Blog
  url: https://www.qudosbank.com.au/news-tools-tips/news-blog
- type: TermsOfService
  url: https://www.qudosbank.com.au/support/legal
- type: PrivacyPolicy
  url: https://www.qudosbank.com.au/support/legal/privacy
- type: Support
  url: https://www.qudosbank.com.au/contact-us
- type: LinkedIn
  url: https://www.linkedin.com/company/qudos-bank
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Qudos Bank

Kin Score

APIs 7

Qudos Bank Banking Account Balances API

Qudos Bank Banking Account Direct Debits API

Qudos Bank Banking Account Scheduled Payments API

Qudos Bank Banking Account Transactions API

Qudos Bank Banking Accounts API

Qudos Bank Banking Payees API

Qudos Bank Banking Products API

MCP Servers 1

qudos-bank-mcp.yml

Security Posture 2

Qudos Bank Authentication

Qudos Bank Domain Security