ubank website screenshot

ubank

ubank is an Australian digital-only bank offering savings accounts and home loans online and over the phone. Launched in 2008 as the online banking brand of National Australia Bank (NAB), ubank operates under NAB's authorised deposit-taking institution (ADI) licence and is registered in the Consumer Data Right (CDR) ecosystem as the "UBank" data holder brand under NAB (ABN 12 004 044 937). After NAB acquired neobank 86 400 in 2021, its customers and technology were migrated onto the 86 400 platform, which is why ubank's public CDR API surface is hosted at public.cdr-api.86400.com.au. As a CDR data holder, ubank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Consumer Data Standards, while authenticated consumer banking data is shared only with accredited data recipients under the CDR's OAuth2/OIDC (FAPI) authorization model.

ubank 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, Banking, Open Banking, and CDR.

ubank’s developer surface includes authentication, documentation, support, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
41.1/100 thin ▬ flat Agent 51/100 agent ready Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
FinancialBanksBankingOpen BankingCDRConsumer Data RightProduct Reference DataDigital BankConsumer BankingAustralia

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 41.1/100 · thin
Contract Quality 13.5 / 25
Developer Ergonomics 7.8 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 3.1 / 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/ubank: 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.

ubank Banking Account Balances API

Banking Account Balance endpoints

ubank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

ubank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

ubank Banking Account Transactions API

Banking Account Transaction endpoints

ubank Banking Accounts API

Banking Account endpoints

ubank Banking Payees API

Banking Payee endpoints

ubank Banking Products API

Banking Product endpoints

Scroll for all 7

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

ubank-mcp.yml

MCP SERVER

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Ubank Authentication

none/oauth2/openIdConnect · 0 schemes

SECURITY

Ubank Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Ubank Scopes

9 scopes

9 scopes

SCOPES

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

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

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Operate 3

Status, limits, changes, and where to get help

StatusPage
StatusPage
 Deprecation
Deprecation
 Support
Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: ubank
url: https://raw.githubusercontent.com/api-evangelist/ubank/refs/heads/main/apis.yml
name: ubank
kind: company
description: ubank is an Australian digital-only bank offering savings accounts and home loans online and over the phone.
  Launched in 2008 as the online banking brand of National Australia Bank (NAB), ubank operates under NAB's authorised deposit-taking
  institution (ADI) licence and is registered in the Consumer Data Right (CDR) ecosystem as the "UBank" data holder brand
  under NAB (ABN 12 004 044 937). After NAB acquired neobank 86 400 in 2021, its customers and technology were migrated onto
  the 86 400 platform, which is why ubank's public CDR API surface is hosted at public.cdr-api.86400.com.au. As a CDR data
  holder, ubank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Consumer Data Standards,
  while authenticated consumer banking data is shared only with accredited data recipients under the CDR's OAuth2/OIDC (FAPI)
  authorization 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/ubank.png
tags:
- Financial
- Banks
- Banking
- Open Banking
- CDR
- Consumer Data Right
- Product Reference Data
- Digital Bank
- Consumer Banking
- Australia
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: ubank:ubank-banking-account-balances-api
  name: ubank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/ubank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.ubank.com.au/cdr/apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-product-detail
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: ubank:ubank-banking-account-direct-debits-api
  name: ubank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/ubank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.ubank.com.au/cdr/apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-product-detail
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: ubank:ubank-banking-account-scheduled-payments-api
  name: ubank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/ubank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.ubank.com.au/cdr/apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-product-detail
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: ubank:ubank-banking-account-transactions-api
  name: ubank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/ubank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.ubank.com.au/cdr/apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-product-detail
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: ubank:ubank-banking-accounts-api
  name: ubank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/ubank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.ubank.com.au/cdr/apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-product-detail
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: ubank:ubank-banking-payees-api
  name: ubank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/ubank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.ubank.com.au/cdr/apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-product-detail
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: ubank:ubank-banking-products-api
  name: ubank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/ubank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.ubank.com.au/cdr/apis
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-product-detail
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
common:
- type: DomainSecurity
  url: security/ubank-domain-security.yml
- type: Authentication
  url: authentication/ubank-authentication.yml
- type: OAuthScopes
  url: scopes/ubank-scopes.yml
- type: Conventions
  url: conventions/ubank-conventions.yml
- type: ErrorCatalog
  url: errors/ubank-error-codes.yml
- type: Lifecycle
  url: lifecycle/ubank-lifecycle.yml
- type: StatusPage
  url: https://status.ubank.com.au/
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Conformance
  url: conformance/ubank-conformance.yml
- type: DataModel
  url: data-model/ubank-data-model.yml
- type: Overlay
  url: overlays/ubank-cds-banking-products-overlay.yaml
- type: MCPServer
  url: mcp/ubank-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/ubank-llms.txt
- type: Website
  url: https://www.ubank.com.au/
- type: Documentation
  url: https://www.ubank.com.au/cdr/apis
- type: Support
  url: https://www.ubank.com.au/help
- type: PrivacyPolicy
  url: https://www.ubank.com.au/privacy
- type: LinkedIn
  url: https://www.linkedin.com/company/ubank
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com