# Up

**Canonical:** https://apis.io/providers/up-bank/  
**Website:** https://www.up.com.au/  
**APIs profiled:** 14

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.

## Kin Score — 50.4 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 50.4).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 60.0 |
| Governance | 11.5 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 49.5 |
| Commercial Clarity | 44.7 |

Regulatory layer — **Banking & Open Finance**: 60.8 (matched via tags).

## Agent readiness — 56.1 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (14)

- **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...

## MCP servers (1)

- **up-bank-mcp.yml**

## Agentic access (1)

- **Up Bank Agentic Access** — 39 operations · 9 acting

## Security (3)

- **Up Bank Authentication** — http/oauth2/openIdConnect · 2 schemes
- **Up Bank Domain Security** — TLSv1.3 · HSTS · DMARC
- **Up Bank Vulnerability Disclosure** — Bugcrowd · security.txt · contact published

## Tags

Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Neobank, Product Reference Data

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