# RACQ Bank

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

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.

## Kin Score — 38.2 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 38.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 49.4 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 39.2 (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)

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

## MCP servers (1)

- **RACQ Bank MCP Server**

## Agentic access (1)

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

## Security (2)

- **Racq Bank Authentication** — none/oauth2/openIdConnect/mutualTLS · 0 schemes
- **Racq Bank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Product Reference Data, ADI, Mutual

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