# Qudos Bank

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

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.

## Kin Score — 47.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 47.1).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 49.4 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Banking & Open Finance**: 77.2 (matched via tags).

## Agent readiness — 34.0 (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 | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (7)

- **Qudos Bank Banking Account Balances API** — Banking Account Balance endpoints
- **Qudos Bank Banking Account Direct Debits API** — Banking Account Direct Debit endpoints
- **Qudos Bank Banking Account Scheduled Payments API** — Banking Account Scheduled Payment endpoints
- **Qudos Bank Banking Account Transactions API** — Banking Account Transaction endpoints
- **Qudos Bank Banking Accounts API** — Banking Account endpoints
- **Qudos Bank Banking Payees API** — Banking Payee endpoints
- **Qudos Bank Banking Products API** — Banking Product endpoints

## MCP servers (1)

- **Qudos Bank MCP Server**

## Agentic access (1)

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

## Security (2)

- **Qudos Bank Authentication** — none/oauth2/openIdConnect/mutualTLS · 2 schemes
- **Qudos Bank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

---

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