Regional Australia Bank

Regional Australia Bank is a customer-owned (mutual) authorised deposit-taking institution (ADI) headquartered in Armidale and Port Macquarie, New South Wales. Founded in 1969 as New England Staff Credit Union at the University of New England, it grew through successive credit-union mergers into Community Mutual Group and rebranded as Regional Australia Bank in 2016; it is currently completing a merger with Summerland Bank. As a mutual, its customers are its owners, and it serves more than 100,000 members across regional NSW from roughly 39 locations. As an active ADI it is a designated data holder under Australia's Consumer Data Right (CDR / Open Banking), exposing a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards, alongside the accredited-data-recipient consumer data sharing surface secured under the CDR OAuth2/OIDC model.

Regional Australia 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.

Regional Australia Bank’s developer surface includes documentation, support, API reference, getting-started guide, developer portal, authentication, engineering blog, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub

49.5/100 developing ▬ flat Agent 51/100 agent ready Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

7 APIs 1 MCP Servers

FinancialBanksOpen BankingCDRConsumer BankingAustraliaCustomer-OwnedProduct Reference DataMutual Bank

Kin Score

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

Composite quality — 49.5/100 · developing

Contract Quality 13.5 / 25

Developer Ergonomics 13.5 / 20

Commercial Clarity 6.8 / 20

Operational Transparency 1.0 / 13

Governance 0.0 / 12

Discoverability 10.0 / 10

Agent readiness — 51/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 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/regional-australia-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.

Regional Australia Bank Scopes

5 scopes · authorizationCode

5 scopes

SCOPES

Resources

Get Started 3

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Portal

Portal

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

DataModel

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 2

Status, limits, changes, and where to get help

Support

Support

Deprecation

Deprecation

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Source (apis.yml)

aid: regional-australia-bank
url: https://raw.githubusercontent.com/api-evangelist/regional-australia-bank/refs/heads/main/apis.yml
name: Regional Australia Bank
kind: company
description: Regional Australia Bank is a customer-owned (mutual) authorised deposit-taking institution (ADI) headquartered
  in Armidale and Port Macquarie, New South Wales. Founded in 1969 as New England Staff Credit Union at the University of
  New England, it grew through successive credit-union mergers into Community Mutual Group and rebranded as Regional Australia
  Bank in 2016; it is currently completing a merger with Summerland Bank. As a mutual, its customers are its owners, and it
  serves more than 100,000 members across regional NSW from roughly 39 locations. As an active ADI it is a designated data
  holder under Australia's Consumer Data Right (CDR / Open Banking), exposing a public, unauthenticated Product Reference
  Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards, alongside the accredited-data-recipient
  consumer data sharing surface secured under the CDR OAuth2/OIDC model.
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/regional-australia-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Customer-Owned
- Product Reference Data
- Mutual Bank
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: regional-australia-bank:regional-australia-bank-banking-account-balances-api
  name: Regional Australia Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  baseURL: https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/regional-australia-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: regional-australia-bank:regional-australia-bank-banking-account-direct-debits-api
  name: Regional Australia Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  baseURL: https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/regional-australia-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: regional-australia-bank:regional-australia-bank-banking-account-scheduled-payments-api
  name: Regional Australia Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  baseURL: https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/regional-australia-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: regional-australia-bank:regional-australia-bank-banking-account-transactions-api
  name: Regional Australia Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  baseURL: https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/regional-australia-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: regional-australia-bank:regional-australia-bank-banking-accounts-api
  name: Regional Australia Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  baseURL: https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/regional-australia-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: regional-australia-bank:regional-australia-bank-banking-payees-api
  name: Regional Australia Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  baseURL: https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/regional-australia-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: regional-australia-bank:regional-australia-bank-banking-products-api
  name: Regional Australia Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  baseURL: https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/regional-australia-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
common:
- type: DomainSecurity
  url: security/regional-australia-bank-domain-security.yml
- type: Website
  url: https://www.regionalaustraliabank.com.au/
- type: Documentation
  url: https://www.regionalaustraliabank.com.au/help-and-support/data-sharing
- type: Support
  url: https://www.regionalaustraliabank.com.au/help-and-support
- type: LinkedIn
  url: https://www.linkedin.com/company/regional-australia-bank
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- type: GettingStarted
  url: https://www.regionalaustraliabank.com.au/help-and-support/tools-and-resources/what-is-the-consumer-data-right
- type: Portal
  url: https://dashboard.cdr.regionalaustraliabank.com.au/
- type: Authentication
  url: authentication/regional-australia-bank-authentication.yml
- type: OAuthScopes
  url: scopes/regional-australia-bank-scopes.yml
- type: Conformance
  url: conformance/regional-australia-bank-conformance.yml
- type: ErrorCatalog
  url: errors/regional-australia-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/regional-australia-bank-lifecycle.yml
- type: Conventions
  url: conventions/regional-australia-bank-conventions.yml
- type: DataModel
  url: data-model/regional-australia-bank-data-model.yml
- type: MCPServer
  url: mcp/regional-australia-bank-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/regional-australia-bank-llms.txt
- type: Deprecation
  url: lifecycle/regional-australia-bank-lifecycle.yml
- type: Blog
  url: https://www.regionalaustraliabank.com.au/the-inside-story
- type: TermsOfService
  url: https://www.regionalaustraliabank.com.au/about-us/corporate-documents/policies-and-guides
- type: PrivacyPolicy
  url: https://www.regionalaustraliabank.com.au/about-us/corporate-documents/policies-and-guides
- type: Login
  url: https://secure.regionalaustraliabank.com.au/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Regional Australia Bank

Kin Score

APIs 7

Regional Australia Bank Banking Account Balances API

Regional Australia Bank Banking Account Direct Debits API

Regional Australia Bank Banking Account Scheduled Payments API

Regional Australia Bank Banking Account Transactions API

Regional Australia Bank Banking Accounts API

Regional Australia Bank Banking Payees API

Regional Australia Bank Banking Products API