# ubank

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

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.

## Kin Score — 36.2 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 36.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 28.0 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 48.1 (matched via tags).

## Agent readiness — 31.8 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| 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)

- **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

## MCP servers (1)

- **ubank MCP Server**

## Security (2)

- **Ubank Authentication** — none/oauth2/openIdConnect · 0 schemes
- **Ubank Domain Security** — TLSv1.3 · DMARC

## Tags

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

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