# Summerland Bank

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

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.

## Kin Score — 43.0 / 100 (developing)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 43.0).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 51.8 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 60.8 (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)

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

## MCP servers (1)

- **Summerland Bank MCP Server**

## Agentic access (1)

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

## Security (2)

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

## Tags

Financial, Banks, Open Banking, CDR, Consumer Data Right, Consumer Banking, Australia, Mutual Bank

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