Summerland Bank

Summerland Bank is a customer-owned (mutual) bank based in Lismore in the Northern Rivers region of New South Wales, Australia, tracing its origins to the former Summerland Credit Union (Summerland Financial Services Limited, ABN 21 087 650 360, AFSL and Australian Credit Licence 241167) and rebranded as Summerland Bank in 2023. As an APRA-regulated authorised deposit-taking institution (ADI) and certified B Corporation, it is owned by its customers rather than shareholders and has announced plans to merge with fellow customer-owned Regional Australia Bank. Under Australia's Consumer Data Right (CDR / Open Banking), Summerland Bank operates as a data holder: it exposes a live, public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards, and offers accredited-recipient consumer data sharing to eligible customers through its app and internet banking under the ACCC/OAIC-governed CDR regime.

Summerland 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 Data Right.

Summerland Bank’s developer surface includes documentation, engineering blog, support, getting-started guide, authentication, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub

46.1/100 developing ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

7 APIs 1 MCP Servers

FinancialBanksOpen BankingCDRConsumer Data RightConsumer BankingAustraliaMutual Bank

Kin Score

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

Composite quality — 46.1/100 · developing

Contract Quality 13.4 / 25

Developer Ergonomics 12.2 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 1.0 / 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/summerland-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.

Summerland Bank Scopes

5 scopes · authorizationCode

5 scopes

SCOPES

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

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 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

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: summerland-bank
url: https://raw.githubusercontent.com/api-evangelist/summerland-bank/refs/heads/main/apis.yml
name: Summerland Bank
kind: company
description: 'Summerland Bank is a customer-owned (mutual) bank based in Lismore in the Northern Rivers region of New South
  Wales, Australia, tracing its origins to the former Summerland Credit Union (Summerland Financial Services Limited, ABN
  21 087 650 360, AFSL and Australian Credit Licence 241167) and rebranded as Summerland Bank in 2023. As an APRA-regulated
  authorised deposit-taking institution (ADI) and certified B Corporation, it is owned by its customers rather than shareholders
  and has announced plans to merge with fellow customer-owned Regional Australia Bank. Under Australia''s Consumer Data Right
  (CDR / Open Banking), Summerland Bank operates as a data holder: it exposes a live, public, unauthenticated Product Reference
  Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards, and offers accredited-recipient consumer
  data sharing to eligible customers through its app and internet banking under the ACCC/OAIC-governed CDR regime.'
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/summerland-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Mutual Bank
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: summerland-bank:summerland-bank-banking-account-balances-api
  name: Summerland Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  baseURL: https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/summerland-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: summerland-bank:summerland-bank-banking-account-direct-debits-api
  name: Summerland Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  baseURL: https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/summerland-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: summerland-bank:summerland-bank-banking-account-scheduled-payments-api
  name: Summerland Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  baseURL: https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/summerland-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: summerland-bank:summerland-bank-banking-account-transactions-api
  name: Summerland Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  baseURL: https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/summerland-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: summerland-bank:summerland-bank-banking-accounts-api
  name: Summerland Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  baseURL: https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/summerland-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: summerland-bank:summerland-bank-banking-payees-api
  name: Summerland Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  baseURL: https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/summerland-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: summerland-bank:summerland-bank-banking-products-api
  name: Summerland Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  baseURL: https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/summerland-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.summerland.com.au/services/digital-and-payments/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
common:
- type: AgenticAccess
  url: agentic-access/summerland-bank-agentic-access.yml
- type: DomainSecurity
  url: security/summerland-bank-domain-security.yml
- type: Website
  url: https://www.summerland.com.au/
- type: DeveloperPortal
  url: https://www.summerland.com.au/services/digital-and-payments/open-banking/
- type: Documentation
  url: https://www.summerland.com.au/services/digital-and-payments/open-banking/
- type: LinkedIn
  url: https://www.linkedin.com/company/summerlandbank
- type: Blog
  url: https://www.summerland.com.au/about-us/news-insights/
- type: PrivacyPolicy
  url: https://www.summerland.com.au/privacy-policy/
- type: TermsOfService
  url: https://www.summerland.com.au/legal-and-disclosure-documents/
- type: Support
  url: https://www.summerland.com.au/contact-us/
- type: GettingStarted
  url: https://www.summerland.com.au/services/digital-and-payments/open-banking/
- type: Authentication
  url: authentication/summerland-bank-authentication.yml
- type: OAuthScopes
  url: scopes/summerland-bank-scopes.yml
- type: Conventions
  url: conventions/summerland-bank-conventions.yml
- type: ErrorCatalog
  url: errors/summerland-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/summerland-bank-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Conformance
  url: conformance/summerland-bank-conformance.yml
- type: DataModel
  url: data-model/summerland-bank-data-model.yml
- type: MCPServer
  url: mcp/summerland-bank-mcp.yml
- type: Overlay
  url: overlays/summerland-bank-cds-banking-products-overlay.yaml
- type: LLMsTxt
  url: llms/summerland-bank-llms.txt
- type: AgentSkill
  url: skills/summerland-bank-product-reference-data.md
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Summerland Bank

Kin Score

APIs 7

Summerland Bank Banking Account Balances API

Summerland Bank Banking Account Direct Debits API

Summerland Bank Banking Account Scheduled Payments API

Summerland Bank Banking Account Transactions API

Summerland Bank Banking Accounts API

Summerland Bank Banking Payees API

Summerland Bank Banking Products API

MCP Servers 1

summerland-bank-mcp.yml

Security Posture 2

Summerland Bank Authentication

Summerland Bank Domain Security