# Regional Australia Bank

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

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.

## Kin Score — 47.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 47.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 58.9 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Banking & Open Finance**: 70.9 (matched via tags).

## Agent readiness — 31.8 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| 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)

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

## MCP servers (1)

- **Regional Australia Bank MCP Server**

## Security (2)

- **Regional Australia Bank Authentication** — none/oauth2/openIdConnect · 3 schemes
- **Regional Australia Bank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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