# St.George Bank

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

St.George Bank is one of Australia's largest retail and business banks and a division of Westpac Banking Corporation (ASX:WBC), one of the country's "Big Four" banks. Originally a New South Wales building society that grew into an independent ADI, St.George merged into the Westpac Group in 2008 and today operates as a Westpac brand alongside BankSA, Bank of Melbourne and RAMS. As an authorised deposit-taking institution it is a designated Data Holder under Australia's Consumer Data Right (CDR / Open Banking), and therefore exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data Standards, alongside the consented, ADR-gated CDR data-sharing APIs. St.George does not operate a broad public developer portal beyond its CDR Open Banking surface.

## Kin Score — 48.3 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 48.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 37.5 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Banking & Open Finance**: 84.8 (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)

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

## MCP servers (1)

- **St.George Bank MCP Server**

## Agentic access (1)

- **St George Bank Agentic Access** — 19 operations · 3 acting

## Security (3)

- **St George Bank Authentication** — none/oauth2/openIdConnect/mutualTLS · 3 schemes
- **St George Bank Domain Security** — TLSv1.3 · HSTS · DMARC
- **St George Bank Vulnerability Disclosure** — disclosure policy published

## Tags

Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Product Reference Data, Westpac Group

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