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 API contracts indexed 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 Finance, Banks, Banking, Open Banking, and CDR.

The ubank catalog on APIs.io includes 1 Spectral governance ruleset.

ubank’s developer surface includes engineering blog, authentication, documentation, support, and 17 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

34.1/100 thin ▬ flat Agent 24/100 agent aware Front door AI 1/6 silent Heartbeat 100/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 1 Agent Skills

Finance Banks Banking Open Banking CDR Consumer Data Right Product Reference Data Digital Bank Consumer Banking Australia

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Banking Product Management

BC-1310

Banking Products

GET /banking/products

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 34.1/100 · thin

Contract Quality 8.4 / 19

Developer Ergonomics 5.6 / 15

Access Clarity 1.6 / 15

Operational Transparency 2.3 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/ubank/"><img src="https://apis.io/badge/ubank/card.svg" alt="ubank on APIs.io — Kin Score by API Evangelist"></a>

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 10.5 — up to +17.9 composite points
Contract Quality scores 44.7 — up to +13.8 composite points
Developer Ergonomics scores 37.5 — up to +12.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/ubank/apis.yml: open an issue on github.com/api-evangelist/ubank to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 4

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Consumer Data Standards

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

OpenID Connect

measured — observed by APIs.io (declared)

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

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

CDR Banking Banking Account Balances API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Direct Debits API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Scheduled Payments API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Transactions API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Accounts API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Payees API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Products API

OPEN COLLECTION

Scroll for all 7

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

Look up ubank banking products

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

ubank API Rules

68 rules · 62 errors 5 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Ubank Cds Banking Products Overlay

4 actions · update · ubank-cds-banking-products-openapi.yml

DERIVED

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

SCOPES

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

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 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 3

The organization behind the API

Blog

Blog

Website

Website

LinkedIn

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

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.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/ubank.png
tags:
- Finance
- Banks
- Banking
- Open Banking
- CDR
- Consumer Data Right
- Product Reference Data
- Digital Bank
- Consumer Banking
- Australia
tags_raw:
- Financial
- Banks
- Banking
- Open Banking
- CDR
- Consumer Data Right
- Product Reference Data
- Digital Bank
- Consumer Banking
- Australia
created: '2026-07-20'
modified: '2026-10-06'
specificationVersion: '0.23'
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:
- url: https://www.ubank.com.au/newsroom
  type: Blog
- type: CapabilityMap
  url: capabilities/ubank-capability-edges.yml
  name: ubank Business Capability Map
- 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: X-MCPServerCandidate
  url: mcp/ubank-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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

ubank API — frequently asked questions

Does ubank have an API?

Yes. APIs.io lists 7 APIs from ubank, including ubank Banking Account Balances API, ubank Banking Account Direct Debits API and ubank Banking Account Scheduled Payments API, and 4 more.

Is there an OpenAPI specification for the ubank API?

Yes. APIs.io indexes 7 OpenAPI specifications for ubank, each linked for download from this page.

How do I authenticate with the ubank API?

ubank uses bearer-token authentication (none/oauth2/openIdConnect · 0 schemes). The details are profiled on APIs.io as Ubank Authentication.

Is the ubank API ready for AI agents?

ubank has a Kin Score of 34.1 out of 100 (thin) and an Agent Readiness score of 23.8 (agent-aware), scored by API Evangelist on 2026-11-06.

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