Up

Up is an Australian digital-only neobank founded in 2018 as a collaboration between Melbourne software company Ferocia and Bendigo and Adelaide Bank. Up is not a mutual and is not separately licensed; it operates as a brand of ASX-listed Bendigo and Adelaide Bank, which holds the Authorised Deposit-taking Institution (ADI) licence, provides the underlying deposit products, and acquired full ownership of Ferocia and Up in 2021. Marketed as Australia's first fully cloud-hosted bank, Up serves more than one million customers through a mobile-first app with no monthly account fees, high-interest savers, and rich transaction categorisation. Up has a strong public API posture for its size - it exposes both a documented personal-banking developer API (accounts, transactions, tags, webhooks) and, as required of every Australian data holder under the Consumer Data Right (CDR / Open Banking), a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data Standards.

Up publishes 14 API contracts indexed on the APIs.io network, including Accounts API, Attachments API, Banking Account Balances API, and 11 more. Tagged areas include Finance, Banks, Open Banking, CDR, and Consumer Banking.

The Up catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

Up’s developer surface includes changelog, documentation, getting-started guide, engineering blog, pricing, signup flow, support, and 44 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

61.5/100 strong ▬ flat Agent 50/100 agent ready Front door AI 1/6 silent Heartbeat 100/100 alive open core · MIT Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

2 published contracts 3 Agent Skills

Finance Banks Open Banking CDR Consumer Banking Australia Neobank Product Reference Data

What this lets a business do 4

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

Personal Finance & Consumer Money

AE-190

AccountsBanking Account BalancesBanking Account Direct DebitsBanking Account TransactionsBanking AccountsTransactions

GET /banking/accounts/balances GET /banking/accounts/{accountId}/transactions GET /banking/accounts GET /banking/accounts/{accountId}/direct-debits

Payments & Card Management

BC-1340

Banking Account Scheduled PaymentsBanking Payees

GET /banking/payments/scheduled GET /banking/payees

Banking Product Management

BC-1310

Banking Products

GET /banking/products

Developer Platform & API Ecosystem Management

BC-4270

Webhooks

GET /webhooks POST /webhooks POST /webhooks/{webhookId}/ping GET /webhooks/{webhookId}/logs

Kin Score

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

Composite quality — 61.5/100 · strong

Contract Quality 11.7 / 16

Developer Ergonomics 6.9 / 13

Access Clarity 10.9 / 13

Operational Transparency 5.1 / 8

Contract Governance 1.7 / 8

Discoverability 4.8 / 7

Regulatory Posture 8.3 / 15

Open Source Surface 0.0 / 10

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 50/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 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 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 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 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 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.

Open Source Surface applies to this provider. This product is open source and we read its repository directly, so Open Source Surface carries 10 points of the composite. It is scored from what the repository actually publishes — a security policy, a contribution guide, a release history, a code of conduct — read live from the provider rather than inferred from our own catalog pointers. This facet adds; nothing was taken away to make room for it. An open-source project is not excused from the commercial facets, because exemption would strip it of the points it does earn. If we have the wrong repository, or this product is not open source, say so on your provider repo and we will drop the facet rather than have you publish against 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 65 points between them, because both conditional facets apply and carry 35 points together. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 65% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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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
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
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service, OR (0.27) a live x402 payment challenge from _data/x402-adoption.json — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's

3 more unmet checks in the Agent Readiness table above.

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

Developer Ergonomics scores 53.0 — up to +9.4 composite points
Contract Governance scores 22.0 — up to +9.4 composite points
Contract Quality scores 71.7 — up to +7.1 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/up-bank/apis.yml: open an issue on github.com/api-evangelist/up-bank 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 Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending)	regulated	36.4 (thin)	-	-
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	regulated	36.4 (thin)	-	-
APIs.guru OpenAPI Directory (API definition directory)	regulated	36.4 (thin)	-	-

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.

Dynamic Client Registration

measured — observed by APIs.io (published)

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 14

Individual APIs this provider publishes, each with its own machine-readable definition.

Up Accounts API

Accounts represent the underlying store used to track balances and the transactions that have occurred to modify those balances over time. Up currently has three types of accoun...

Up Attachments API

Attachments represent uploaded files that are attached to transactions, these are commonly receipts.

Up Banking Account Balances API

Banking Account Balance endpoints

Up Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Up Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Up Banking Account Transactions API

Banking Account Transaction endpoints

Up Banking Accounts API

Banking Account endpoints

Up Banking Payees API

Banking Payee endpoints

Up Banking Products API

Banking Product endpoints

Up Categories API

Categories enable understanding where your money goes by driving powerful insights in Up. All categories in Up are pre-defined and are automatically assigned to new purchases in...

Up Tags API

Tags are custom labels that can be associated with transactions on Up. Within the Up application, tags provide additional insight into spending. For example, you could have a "T...

Up Transactions API

Transactions represent the movement of money into and out of an account. They have many characteristics that vary depending on the kind of transaction. Transactions may be tempo...

Up Utility endpoints API

Some endpoints exist not to expose data, but to test the API itself. Currently there is only one endpoint in this group: ping!

Up Webhooks API

Webhooks provide a mechanism for a configured URL to receive events when transaction activity occurs on Up. You can think of webhooks as being like push notifications for your s...

Scroll for all 14

CDR Banking Accounts Webhooks API

OPEN COLLECTION

Plan details, limits and sources →

Rate limits

Webhook count: There is currently a limit of 10 webhooks at any given time.

Rate-limit details →

Billed by: transaction · FinOps profile →

Pricing Plans 1

Published pricing tiers and plan structures.

Up Bank Plans Pricing

6 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Up Bank Rate Limits

1 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Up

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Up Bank Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Up Personal Banking Webhooks

Event surface for the Up Personal Banking API. Once a webhook is registered (POST /webhooks), Up delivers JSON-encoded POST callbacks to the configured URL whenever transaction ...

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Up Bank Context

120 classes · 287 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Up API Rules

15 rules · 12 errors 1 warnings 2 info

SPECTRAL

OpenAPI Overlays 16

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.

Up Bank Accounts Api Overlay

OAuth scopes governing access to this provider's APIs.

Up Bank Scopes

10 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Up Bank Agentic Access

39 operations · 6 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

AsyncAPI

AsyncAPI

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Webhooks

Scroll for all 9

Build 2

SDKs, sample code, and the tooling you integrate with

IntegrationEdges

IntegrationEdges

GitHubOrganization

GitHubOrganization

Access & Security 7

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Security

Authentication

OAuthScopes

SecurityTxt

SecurityPolicy

Scroll for all 7

Operate 7

Status, limits, changes, and where to get help

ChangeLog

IssueTracker

Support

Deprecation

RateLimits

Roadmap

ChangeLog

Scroll for all 7

Commercial 5

Pricing, plans, and the legal terms of use

Plans

License

Pricing

TermsOfService

PrivacyPolicy

Company 5

The organization behind the API

BlogRSS

BlogRSS

Website

Website

LinkedIn

Blog

Blog

Newsroom

Newsroom

Other 5

Properties that don't map to a standard resource type

Hosts

CapabilityMap

Overlay

OpenIDConnect

AcceptableUsePolicy

AcceptableUsePolicy

Source (apis.yml)

aid: up-bank
url: https://raw.githubusercontent.com/api-evangelist/up-bank/refs/heads/main/apis.yml
name: Up
kind: company
description: Up is an Australian digital-only neobank founded in 2018 as a collaboration between Melbourne software company
  Ferocia and Bendigo and Adelaide Bank. Up is not a mutual and is not separately licensed; it operates as a brand of ASX-listed
  Bendigo and Adelaide Bank, which holds the Authorised Deposit-taking Institution (ADI) licence, provides the underlying
  deposit products, and acquired full ownership of Ferocia and Up in 2021. Marketed as Australia's first fully cloud-hosted
  bank, Up serves more than one million customers through a mobile-first app with no monthly account fees, high-interest savers,
  and rich transaction categorisation. Up has a strong public API posture for its size - it exposes both a documented personal-banking
  developer API (accounts, transactions, tags, webhooks) and, as required of every Australian data holder under the Consumer
  Data Right (CDR / Open Banking), a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer
  Data Standards.
deliveryModel:
  model: open-core
  license: MIT
  open_source: true
  commercial: true
  callable_host: false
  label: Open core · an OSS project plus a commercial hosted product
  confidence: high
  source:
  - license
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: high
  probe_state: covered
  source:
  - plans
  - authentication
  - scopes
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/up-bank.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Neobank
- Product Reference Data
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Neobank
- Product Reference Data
created: '2026-07-20'
modified: '2026-10-21'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Spectral
  url: rules/up-bank-rules.yml
- type: JSONLD
  url: json-ld/up-bank-context.jsonld
- type: Vocabulary
  url: vocabulary/up-bank-vocabulary.yml
- type: ChangeLog
  url: changelog/up-bank-changelog.yml
- type: Hosts
  url: hosts/up-bank-hosts.yml
- type: IntegrationEdges
  url: integrations/up-bank-integration-edges.yml
- url: https://up.com.au/blog/feed.xml
  type: BlogRSS
- type: Plans
  url: plans/up-bank-plans-pricing.yml
- type: CapabilityMap
  url: capabilities/up-bank-capability-edges.yml
  name: Up Business Capability Map
- type: IssueTracker
  url: https://github.com/up-banking/api/issues
- type: Overlay
  url: overlays/up-bank-cds-banking-products-overlay.yaml
- type: License
  name: MIT
  url: https://github.com/up-banking/api/blob/master/LICENSE
- type: AgenticAccess
  url: agentic-access/up-bank-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/up-bank-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/up-bank-domain-security.yml
- type: Website
  url: https://www.up.com.au/
- type: DeveloperPortal
  url: https://developer.up.com.au/
- type: Documentation
  url: https://developer.up.com.au/
- type: GettingStarted
  url: https://developer.up.com.au/#getting-started
- type: GitHubOrganization
  url: https://github.com/up-banking
- type: LinkedIn
  url: https://www.linkedin.com/company/upbanking/
- type: Blog
  url: https://up.com.au/blog/
- type: Pricing
  url: https://www.up.com.au/pricing/
- type: SignUp
  url: https://up.com.au/download/
- type: TermsOfService
  url: https://up.com.au/terms-and-information/
- type: PrivacyPolicy
  url: https://www.up.com.au/privacy/
- type: Support
  url: https://up.com.au/support/
- type: Security
  url: https://bugcrowd.com/engagements/bendigobank-vdp
- type: Authentication
  url: authentication/up-bank-authentication.yml
- type: OpenIDConnect
  url: well-known/up-bank-openid-configuration.json
- type: OAuthScopes
  url: scopes/up-bank-scopes.yml
- type: Conventions
  url: conventions/up-bank-conventions.yml
- type: ErrorCatalog
  url: errors/up-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/up-bank-lifecycle.yml
- type: Deprecation
  url: https://developer.up.com.au/
- type: Conformance
  url: conformance/up-bank-conformance.yml
- type: WellKnown
  url: well-known/up-bank-well-known.yml
- type: SecurityTxt
  url: well-known/up-bank-security.txt
- type: X-MCPServerCandidate
  url: mcp/up-bank-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: LLMsTxt
  url: llms/up-bank-llms.txt
- type: RateLimits
  url: rate-limits/up-bank-rate-limits.yml
- type: DataModel
  url: data-model/up-bank-data-model.yml
- type: AsyncAPI
  url: asyncapi/up-bank-webhooks-asyncapi.yml
- type: Webhooks
  url: asyncapi/up-bank-webhooks-asyncapi.yml
- type: AgentSkill
  url: skills/_index.yml
- type: APIReference
  url: https://developer.up.com.au/#welcome
- type: Roadmap
  url: https://up.com.au/tree
- type: ChangeLog
  url: https://up.com.au/blog/release-notes/
- type: Newsroom
  url: https://up.com.au/media/
- type: AcceptableUsePolicy
  url: https://up.com.au/api-acceptable-use-policy/
- type: SecurityPolicy
  url: https://up.com.au/security/
apis:
- aid: up-bank:up-bank-accounts-api
  name: Up Accounts API
  description: 'Accounts represent the underlying store used to track balances

    and the transactions that have occurred to modify those balances

    over time. Up currently has three types of account: `SAVER`—used to

    earn interest and to hit savings goals, `TRANSACTIONAL`—used

    for everyday spending, and `HOME_LOAN`-for those with an Up Home loan.'
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/up-bank-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/#welcome
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: JSONSchema
    url: json-schema/up-bank-list-accounts-response-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-get-account-response-schema.json
- aid: up-bank:up-bank-attachments-api
  name: Up Attachments API
  description: Attachments represent uploaded files that are attached to transactions, these are commonly receipts.
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Attachments
  properties:
  - type: OpenAPI
    url: openapi/up-bank-attachments-api-openapi.yml
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/#welcome
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: JSONSchema
    url: json-schema/up-bank-list-attachments-response-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-get-attachment-response-schema.json
- aid: up-bank:up-bank-banking-account-balances-api
  name: Up Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://up.com.au/cdr-policy/
  baseURL: https://api.up.com.au/cds-au/v1
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/up-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-accounts-balance-list-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-accounts-balance-by-id-schema.json
- aid: up-bank:up-bank-banking-account-direct-debits-api
  name: Up Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://up.com.au/cdr-policy/
  baseURL: https://api.up.com.au/cds-au/v1
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/up-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-direct-debit-authorisation-list-schema.json
- aid: up-bank:up-bank-banking-account-scheduled-payments-api
  name: Up Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://up.com.au/cdr-policy/
  baseURL: https://api.up.com.au/cds-au/v1
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/up-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-scheduled-payments-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-instalment-plan-list-schema.json
- aid: up-bank:up-bank-banking-account-transactions-api
  name: Up Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://up.com.au/cdr-policy/
  baseURL: https://api.up.com.au/cds-au/v1
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/up-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-transaction-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-transaction-by-id-v3-schema.json
- aid: up-bank:up-bank-banking-accounts-api
  name: Up Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://up.com.au/cdr-policy/
  baseURL: https://api.up.com.au/cds-au/v1
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/up-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-account-list-v3-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-account-by-id-v5-schema.json
- aid: up-bank:up-bank-banking-payees-api
  name: Up Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://up.com.au/cdr-policy/
  baseURL: https://api.up.com.au/cds-au/v1
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/up-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-payee-list-v2-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-payee-by-id-v2-schema.json
- aid: up-bank:up-bank-banking-products-api
  name: Up Banking Products API
  description: Banking Product endpoints
  humanURL: https://up.com.au/cdr-policy/
  baseURL: https://api.up.com.au/cds-au/v1
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/up-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-product-list-v4-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-response-banking-product-by-id-v7-schema.json
- aid: up-bank:up-bank-categories-api
  name: Up Categories API
  description: 'Categories enable understanding where your money goes by driving

    powerful insights in Up. All categories in Up are pre-defined

    and are automatically assigned to new purchases in most cases. A

    parent-child relationship is used to represent categories,

    however parent categories cannot be directly assigned to

    transactions.'
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Categories
  properties:
  - type: OpenAPI
    url: openapi/up-bank-categories-api-openapi.yml
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/#welcome
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: JSONSchema
    url: json-schema/up-bank-update-transaction-category-request-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-list-categories-response-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-get-category-response-schema.json
- aid: up-bank:up-bank-tags-api
  name: Up Tags API
  description: 'Tags are custom labels that can be associated with transactions

    on Up. Within the Up application, tags provide additional insight

    into spending. For example, you could have a "Take Away" tag that

    you apply to purchases from food delivery services. The Up API

    allows you to manage the tags associated with transactions. Each

    transaction may have up to 6 tags.


    Tags are identified by their labels, which are unique strings,

    so the tag "Holiday" has also the `id` `"Holiday"`.'
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Tags
  properties:
  - type: OpenAPI
    url: openapi/up-bank-tags-api-openapi.yml
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/#welcome
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: JSONSchema
    url: json-schema/up-bank-list-tags-response-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-update-transaction-tags-request-schema.json
- aid: up-bank:up-bank-transactions-api
  name: Up Transactions API
  description: 'Transactions represent the movement of money into and out of an

    account. They have many characteristics that vary depending on

    the kind of transaction. Transactions may be temporarily `HELD`

    (pending) or `SETTLED`, typically depending on which payment

    method was used at the point of sale.'
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/up-bank-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/#welcome
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: AsyncAPI
    url: asyncapi/up-bank-webhooks-asyncapi.yml
  - type: JSONSchema
    url: json-schema/up-bank-list-transactions-response-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-get-transaction-response-schema.json
- aid: up-bank:up-bank-utility-endpoints-api
  name: Up Utility endpoints API
  description: 'Some endpoints exist not to expose data, but to test the API

    itself. Currently there is only one endpoint in this group: ping!'
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Utility Endpoints
  tags_raw:
  - Utility endpoints
  properties:
  - type: OpenAPI
    url: openapi/up-bank-utility-endpoints-api-openapi.yml
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/#welcome
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: JSONSchema
    url: json-schema/up-bank-ping-response-schema.json
- aid: up-bank:up-bank-webhooks-api
  name: Up Webhooks API
  description: 'Webhooks provide a mechanism for a configured URL to receive

    events when transaction activity occurs on Up. You can think of

    webhooks as being like push notifications for your server-side

    application.'
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/up-bank-webhooks-api-openapi.yml
  - type: Documentation
    url: https://developer.up.com.au/
  - type: APIReference
    url: https://developer.up.com.au/#welcome
  - type: SourceCode
    url: https://github.com/up-banking/api
  - type: AsyncAPI
    url: asyncapi/up-bank-webhooks-asyncapi.yml
  - type: JSONSchema
    url: json-schema/up-bank-list-webhook-delivery-logs-response-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-list-webhooks-response-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-webhook-event-callback-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-create-webhook-request-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-get-webhook-response-schema.json
  - type: JSONSchema
    url: json-schema/up-bank-create-webhook-response-schema.json
x-coverage:
  state: covered
  reason: identity-verified
  detail: Website www.up.com.au verified (200, open front door); developer portal developer.up.com.au links Blog, Roadmap
    (up.com.au/tree), API AUP and GitHub issues. Personal API baseURL set to the documented servers[] host api.up.com.au/api/v1;
    CDR APIs to api.up.com.au/cds-au/v1 (public PRD GET returned 200 JSON).
  evidence:
  - url: https://www.up.com.au/
    status: 200
  - url: https://developer.up.com.au/
    status: 200
  - url: https://up.com.au/tree
    status: 200
  - url: https://up.com.au/blog/release-notes/
    status: 200
  - url: https://up.com.au/media/
    status: 200
  - url: https://up.com.au/api-acceptable-use-policy/
    status: 200
  - url: https://up.com.au/security/
    status: 200
  - url: https://api.up.com.au/cds-au/v1/banking/products
    status: 200
  - url: https://github.com/up-banking
    status: 200
x-enrichment:
  date: '2026-10-21'
  status: enriched
  artifacts_added: 101
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

Up API — frequently asked questions

Does Up have an API?

Yes. APIs.io lists 14 APIs from Up, including Up Accounts API, Up Attachments API and Up Banking Account Balances API, and 11 more.

Is there an OpenAPI specification for the Up API?

Yes. APIs.io indexes 14 OpenAPI specifications for Up, each linked for download from this page.

How do I authenticate with the Up API?

Up documents its authentication (http/oauth2/openIdConnect · 2 schemes). The details are profiled on APIs.io as Up Bank Authentication.

How much does the Up API cost?

Up publishes its prices; its International transaction fees plan is 0% as of 2026-09-20. APIs.io lists 6 pricing plans for Up, with each plan's price, limits and inclusions under Pricing on this page.

Is the Up API ready for AI agents?

Up has a Kin Score of 61.5 out of 100 (strong) and an Agent Readiness score of 49.5 (agent-ready), scored by API Evangelist on 2026-11-06.

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