# Westpac Banking Corporation

**Canonical:** https://apis.io/providers/westpac/  
**Website:** https://www.westpac.com.au/  
**APIs profiled:** 9

Westpac Banking Corporation is Australia's oldest bank and company, founded in 1817 as the Bank of New South Wales, and is one of the country's "Big Four" banks. Headquartered in Sydney, it is a publicly listed company on the Australian Securities Exchange (ASX:WBC), not a customer-owned mutual, and operates a multi-brand group that includes St.George, BankSA, Bank of Melbourne, and RAMS. As an authorised deposit-taking institution (ADI) regulated by APRA, Westpac is a designated data holder under Australia's Consumer Data Right (CDR / Open Banking) regime and exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data Standards. Consumer and account data sharing beyond product reference data is available only to accredited data recipients through the CDR's authenticated, consent-driven channels.

## Kin Score — 50.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 50.1).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 54.5 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 28.9 |
| Developer Ergonomics | 58.9 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Banking & Open Finance**: 64.6 (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

Open access — onboarding: open, pricing: unknown, trial: no (confidence: medium).

## APIs (9)

- **Westpac PayWay REST API** — First-party Westpac payment API (beyond CDR). PayWay is Westpac's merchant payment platform; its public REST API v1 processes real-time credit-card and bank-account payments, re...
- **Westpac QuickStream REST API** — First-party Westpac payment API (beyond CDR). QuickStream is Westpac's online payment gateway; its public REST API v1 exposes Transactions, Customers, Accounts, Credit Cards, Re...
- **Westpac Banking Corporation Banking Account Balances API** — Banking Account Balance endpoints
- **Westpac Banking Corporation Banking Account Direct Debits API** — Banking Account Direct Debit endpoints
- **Westpac Banking Corporation Banking Account Scheduled Payments API** — Banking Account Scheduled Payment endpoints
- **Westpac Banking Corporation Banking Account Transactions API** — Banking Account Transaction endpoints
- **Westpac Banking Corporation Banking Accounts API** — Banking Account endpoints
- **Westpac Banking Corporation Banking Payees API** — Banking Payee endpoints
- **Westpac Banking Corporation Banking Products API** — Banking Product endpoints

## MCP servers (1)

- **Westpac Banking Corporation MCP Server**

## Security (3)

- **Westpac Authentication** — 0 schemes
- **Westpac Domain Security** — TLSv1.3 · HSTS · DMARC
- **Westpac Vulnerability Disclosure** — Bugcrowd

## Tags

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

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