RACQ Bank

RACQ Bank is the retail banking division of RACQ (The Royal Automobile Club of Queensland), a member-owned mutual organisation and one of Queensland's largest clubs, long known for roadside assistance, insurance, and banking for its members. The bank is an Australian authorised deposit-taking institution (ADI) regulated by APRA, offering transaction and savings accounts, term deposits, home loans, personal loans, and credit cards. Its banking arm traces to QT Mutual Bank, which merged with RACQ in 2016. As an active data holder under Australia's Consumer Data Right (CDR / Open Banking), RACQ Bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data Standards, alongside the accredited-data-recipient consumer-data-sharing channels mandated of every Australian bank.

RACQ 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.

RACQ Bank’s developer surface includes authentication, documentation, getting-started guide, developer portal, support, and 15 more developer resources.

🌐 Visit website 📡 Source on GitHub

41.7/100 thin ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

7 APIs 1 MCP Servers

FinancialBanksOpen BankingCDRConsumer BankingAustraliaProduct Reference DataADIMutual

Kin Score

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

Composite quality — 41.7/100 · thin

Contract Quality 13.5 / 25

Developer Ergonomics 11.7 / 20

Commercial Clarity 4.2 / 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/racq-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.

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Portal

Portal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

LLMsTxt

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

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

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: racq-bank
url: https://raw.githubusercontent.com/api-evangelist/racq-bank/refs/heads/main/apis.yml
name: RACQ Bank
kind: company
description: RACQ Bank is the retail banking division of RACQ (The Royal Automobile Club of Queensland), a member-owned mutual
  organisation and one of Queensland's largest clubs, long known for roadside assistance, insurance, and banking for its members.
  The bank is an Australian authorised deposit-taking institution (ADI) regulated by APRA, offering transaction and savings
  accounts, term deposits, home loans, personal loans, and credit cards. Its banking arm traces to QT Mutual Bank, which merged
  with RACQ in 2016. As an active data holder under Australia's Consumer Data Right (CDR / Open Banking), RACQ Bank exposes
  a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data Standards, alongside the
  accredited-data-recipient consumer-data-sharing channels mandated of every Australian bank.
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/racq-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
- Mutual
created: '2026-07-20'
modified: '2026-07-21T13:00:00Z'
specificationVersion: '0.19'
apis:
- aid: racq-bank:racq-bank-banking-account-balances-api
  name: RACQ Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.racq.com.au/banking/open-banking/api-access
  baseURL: https://cdrbank.racq.com.au/cds-au/v1
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/racq-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking/api-access
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking
- aid: racq-bank:racq-bank-banking-account-direct-debits-api
  name: RACQ Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.racq.com.au/banking/open-banking/api-access
  baseURL: https://cdrbank.racq.com.au/cds-au/v1
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/racq-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking/api-access
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking
- aid: racq-bank:racq-bank-banking-account-scheduled-payments-api
  name: RACQ Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.racq.com.au/banking/open-banking/api-access
  baseURL: https://cdrbank.racq.com.au/cds-au/v1
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/racq-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking/api-access
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking
- aid: racq-bank:racq-bank-banking-account-transactions-api
  name: RACQ Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.racq.com.au/banking/open-banking/api-access
  baseURL: https://cdrbank.racq.com.au/cds-au/v1
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/racq-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking/api-access
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking
- aid: racq-bank:racq-bank-banking-accounts-api
  name: RACQ Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.racq.com.au/banking/open-banking/api-access
  baseURL: https://cdrbank.racq.com.au/cds-au/v1
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/racq-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking/api-access
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking
- aid: racq-bank:racq-bank-banking-payees-api
  name: RACQ Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.racq.com.au/banking/open-banking/api-access
  baseURL: https://cdrbank.racq.com.au/cds-au/v1
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/racq-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking/api-access
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking
- aid: racq-bank:racq-bank-banking-products-api
  name: RACQ Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.racq.com.au/banking/open-banking/api-access
  baseURL: https://cdrbank.racq.com.au/cds-au/v1
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/racq-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking/api-access
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
  - type: Documentation
    url: https://www.racq.com.au/banking/open-banking
common:
- type: AgenticAccess
  url: agentic-access/racq-bank-agentic-access.yml
- type: DomainSecurity
  url: security/racq-bank-domain-security.yml
- type: Authentication
  url: authentication/racq-bank-authentication.yml
- type: Conventions
  url: conventions/racq-bank-conventions.yml
- type: ErrorCatalog
  url: errors/racq-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/racq-bank-lifecycle.yml
- type: Conformance
  url: conformance/racq-bank-conformance.yml
- type: DataModel
  url: data-model/racq-bank-data-model.yml
- type: MCPServer
  url: mcp/racq-bank-mcp.yml
- type: LLMsTxt
  url: llms/racq-bank-llms.txt
- type: Overlay
  url: overlays/racq-bank-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://www.racq.com.au/
- type: Documentation
  url: https://www.racq.com.au/banking/open-banking/api-access
- type: GettingStarted
  url: https://www.racq.com.au/banking/open-banking/api-access
- type: Portal
  url: https://www.racq.com.au/banking/open-banking
- type: LinkedIn
  url: https://www.linkedin.com/company/racq/
- type: Support
  url: https://www.racq.com.au/banking/support-and-faqs
- type: PrivacyPolicy
  url: https://www.racq.com.au/privacy-policy
- type: TermsOfService
  url: https://www.racq.com.au/legal
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

RACQ Bank

Kin Score

APIs 7

RACQ Bank Banking Account Balances API

RACQ Bank Banking Account Direct Debits API

RACQ Bank Banking Account Scheduled Payments API

RACQ Bank Banking Account Transactions API

RACQ Bank Banking Accounts API

RACQ Bank Banking Payees API

RACQ Bank Banking Products API

MCP Servers 1

racq-bank-mcp.yml

Security Posture 2

Racq Bank Authentication

Racq Bank Domain Security

Agentic Access 1

Racq Bank Agentic Access

Resources