aid: bank-first
url: https://raw.githubusercontent.com/api-evangelist/bank-first/refs/heads/main/apis.yml
name: Bank First
kind: company
description: Bank First is an Australian customer-owned mutual bank headquartered in
  Hawthorn East, Victoria. Founded in 1972 as VTU Credit Union by members of the Victorian
  Teachers Union and rebranded from Victoria Teachers Mutual Bank in December 2017,
  it is owned by its 90,000-plus members rather than external shareholders and serves
  the education and healthcare communities with savings, loans, and insurance. As an
  Authorised Deposit-taking Institution, Bank First is a data holder under Australia's
  Consumer Data Right (CDR / Open Banking) and exposes a public, unauthenticated Product
  Reference Data API built to the Data Standards Body Consumer Data Standards, alongside
  an accreditation-gated consumer data sharing surface for Accredited Data Recipients.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: bank-first:bank-first-cdr-product-reference-data-api
  name: Bank First CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking Products
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankfirst.com.au/open-banking
  baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products
  properties:
  - url: https://www.bankfirst.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
    type: APIReference
  - url: openapi/bank-first-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Public, unauthenticated Consumer Data Right Product Reference Data (PRD)
    API conforming to the DSB Consumer Data Standards (CDS Banking API v1.36.0). Exposes
    GET /banking/products (a paginated list of Bank First's publicly offered products)
    and GET /banking/products/{productId} (full detail for a single product). Confirmed
    live returning HTTP 200 with x-v 3 and a data.products array of 176 records. No
    authentication or registration is required for this surface.
- aid: bank-first:bank-first-cdr-accounts-balances-api
  name: Bank First CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Banking Accounts
  - Account Balances
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankfirst.com.au/open-banking
  baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.bankfirst.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
    type: APIReference
  - url: openapi/bank-first-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right accounts and balances surface
    from the DSB Consumer Data Standards (CDS Banking API v1.36.0), which Bank First
    is legally required to implement as a Data Holder. Covers GET /banking/accounts
    (list authorized accounts), GET /banking/accounts/balances and POST
    /banking/accounts/balances (bulk balances), GET /banking/accounts/{accountId}/balance
    (single balance), and GET /banking/accounts/{accountId} (account detail). NOT
    public - access requires a customer to authorize an Accredited Data Recipient
    through the CDR consent and MTLS/FAPI security profile; this is not an open,
    self-service endpoint.
- aid: bank-first:bank-first-cdr-transactions-api
  name: Bank First CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Banking Transactions
  - Account Transactions
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankfirst.com.au/open-banking
  baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.bankfirst.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
    type: APIReference
  - url: openapi/bank-first-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right transactions surface from the
    DSB Consumer Data Standards (CDS Banking API v1.36.0). Covers GET
    /banking/accounts/{accountId}/transactions (list transactions for an authorized
    account, with filtering) and GET
    /banking/accounts/{accountId}/transactions/{transactionId} (transaction detail).
    NOT public - access requires the customer to authorize an Accredited Data
    Recipient under the CDR consent model over the MTLS/FAPI-secured data holder
    channel.
- aid: bank-first:bank-first-cdr-direct-debits-scheduled-payments-api
  name: Bank First CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankfirst.com.au/open-banking
  baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.bankfirst.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
    type: APIReference
  - url: openapi/bank-first-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right direct debits and scheduled
    payments surface from the DSB Consumer Data Standards (CDS Banking API v1.36.0).
    Covers GET /banking/accounts/{accountId}/direct-debits and POST
    /banking/accounts/direct-debits (bulk), plus GET
    /banking/accounts/{accountId}/payments/scheduled and POST
    /banking/payments/scheduled (bulk scheduled payments). NOT public - access
    requires customer authorization of an Accredited Data Recipient under the CDR
    consent model over the MTLS/FAPI-secured data holder channel.
- aid: bank-first:bank-first-cdr-payees-api
  name: Bank First CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Banking Payees
  - Payees
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bankfirst.com.au/open-banking
  baseURL: https://public.cdr.bankfirst.com.au/cds-au/v1/banking/payees
  properties:
  - url: https://www.bankfirst.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
    type: APIReference
  - url: openapi/bank-first-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right payees surface from the DSB
    Consumer Data Standards (CDS Banking API v1.36.0). Covers GET /banking/payees
    (list a customer's saved payees) and GET /banking/payees/{payeeId} (payee
    detail). NOT public - access requires the customer to authorize an Accredited
    Data Recipient under the CDR consent model over the MTLS/FAPI-secured data holder
    channel; this is not an open, self-service endpoint.
common:
- type: AgenticAccess
  url: agentic-access/bank-first-agentic-access.yml
- type: DomainSecurity
  url: security/bank-first-domain-security.yml
- type: Website
  url: https://www.bankfirst.com.au/
- type: About
  url: https://www.bankfirst.com.au/about-us
- type: DeveloperPortal
  url: https://www.bankfirst.com.au/open-banking
- type: Documentation
  url: https://consumerdatastandardsaustralia.github.io/standards/
- type: PrivacyPolicy
  url: https://www.bankfirst.com.au/privacy-policy
- type: TermsOfService
  url: https://www.bankfirst.com.au/disclosure-documents
- type: Support
  url: https://www.bankfirst.com.au/contact-us
- type: GettingStarted
  url: https://www.bankfirst.com.au/open-banking
- type: Compliance
  url: https://www.bankfirst.com.au/cdr-policy
- type: LinkedIn
  url: https://www.linkedin.com/company/bank-first
- type: Authentication
  url: authentication/bank-first-authentication.yml
- type: OAuthScopes
  url: scopes/bank-first-scopes.yml
- type: Conventions
  url: conventions/bank-first-conventions.yml
- type: ErrorCatalog
  url: errors/bank-first-problem-types.yml
- type: Lifecycle
  url: lifecycle/bank-first-lifecycle.yml
- type: Deprecation
  url: lifecycle/bank-first-lifecycle.yml
- type: Conformance
  url: conformance/bank-first-conformance.yml
- type: DomainSecurity
  url: security/bank-first-domain-security.yml
- type: DataModel
  url: data-model/bank-first-data-model.yml
- type: MCPServer
  url: mcp/bank-first-mcp.yml
- type: LLMsTxt
  url: llms/bank-first-llms.txt
- type: Overlay
  url: overlays/bank-first-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com