aid: bank-of-melbourne url: https://raw.githubusercontent.com/api-evangelist/bank-of-melbourne/refs/heads/main/apis.yml name: Bank of Melbourne kind: company description: Bank of Melbourne is a Victorian retail and business banking brand operated by Westpac Banking Corporation (ASX code WBC) as part of the Westpac Group. The original Bank of Melbourne was acquired by Westpac in 1997 and the brand was relaunched in 2011; today it operates under the St.George Bank banking authority within Westpac and is NOT a customer-owned mutual - it is a division of a publicly listed, APRA-regulated authorised deposit-taking institution (ADI). As an accredited Consumer Data Right (CDR) data holder, Bank of Melbourne exposes a public, unauthenticated Product Reference Data (PRD) API that conforms to the Australian Consumer Data Standards, confirmed live on shared Westpac Group infrastructure at digital-api.bankofmelbourne.com.au. Consumer data sharing runs through the regulated CDR / Accredited Data Recipient (ADR) model using OAuth2 / OpenID Connect (FAPI) authorization; the bank does not run a broader third-party developer portal. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Financial - Banks - Open Banking - CDR - Consumer Banking - Australia - Product Reference Data - ADI - Westpac Group created: '2026-07-20' modified: '2026-07-21' specificationVersion: '0.19' apis: - aid: bank-of-melbourne:bank-of-melbourne-cdr-product-reference-data-api name: Bank of Melbourne CDR Product Reference Data API tags: - CDR - Open Banking - Product Reference Data - Banking - Australia - Public image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.bankofmelbourne.com.au/online-services/open-banking baseURL: https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products properties: - url: https://www.bankofmelbourne.com.au/online-services/open-banking type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products type: APIReference - url: openapi/bank-of-melbourne-cds-banking-products-openapi.yml type: OpenAPI description: PUBLIC, unauthenticated Consumer Data Right (CDR) Product Reference Data API exposing Bank of Melbourne's banking products (term deposits, credit and charge cards, personal loans, residential mortgages, business loans, leases) in machine-readable form under the Australian Consumer Data Standards. Confirmed live at https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products (HTTP 200, x-v 5) returning a data.products array (25 per page, meta.totalRecords 40 confirmed 2026-07-20); a request with x-v 3 is rejected 406 Unsupported Version. Endpoints - GET /banking/products and GET /banking/products/{productId}. No authorization required. - aid: bank-of-melbourne:bank-of-melbourne-cdr-accounts-balances-api name: Bank of Melbourne CDR Accounts & Balances API tags: - CDR - Open Banking - Accounts - Balances - Banking - Australia - Authenticated image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.bankofmelbourne.com.au/online-services/open-banking baseURL: https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/accounts properties: - url: https://www.bankofmelbourne.com.au/online-services/open-banking type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts type: APIReference - url: openapi/bank-of-melbourne-cds-banking-products-openapi.yml type: OpenAPI description: CONSUMER-AUTHORIZED Consumer Data Right (CDR) Accounts & Balances surface of the shared DSB Banking API that Bank of Melbourne implements as an accredited CDR data holder on shared Westpac Group infrastructure. Access is only available to an Accredited Data Recipient (ADR) after the customer grants consent via the regulated CDR / OAuth2 + OpenID Connect (FAPI) authorization flow - it is NOT publicly callable. Covers GET /banking/accounts (list), GET /banking/accounts/balances (bulk balances), POST /banking/accounts/balances, GET /banking/accounts/{accountId}/balance, and GET /banking/accounts/{accountId} (account detail). Hosted under the confirmed CDR base https://digital-api.bankofmelbourne.com.au/cds-au/v1. - aid: bank-of-melbourne:bank-of-melbourne-cdr-transactions-api name: Bank of Melbourne CDR Transactions API tags: - CDR - Open Banking - Transactions - Banking - Australia - Authenticated image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.bankofmelbourne.com.au/online-services/open-banking baseURL: https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/accounts properties: - url: https://www.bankofmelbourne.com.au/online-services/open-banking type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account type: APIReference - url: openapi/bank-of-melbourne-cds-banking-products-openapi.yml type: OpenAPI description: CONSUMER-AUTHORIZED Consumer Data Right (CDR) Transactions surface of the shared DSB Banking API implemented by Bank of Melbourne as an accredited CDR data holder. Access requires an Accredited Data Recipient (ADR) acting under an active customer consent obtained through the regulated CDR OAuth2 + OpenID Connect (FAPI) authorization flow - it is NOT publicly callable. Covers GET /banking/accounts/{accountId}/transactions (with filtering/pagination) and GET /banking/accounts/{accountId}/transactions/{transactionId} (transaction detail). Hosted under the confirmed CDR base https://digital-api.bankofmelbourne.com.au/cds-au/v1. - aid: bank-of-melbourne:bank-of-melbourne-cdr-direct-debits-scheduled-payments-api name: Bank of Melbourne CDR Direct Debits & Scheduled Payments API tags: - CDR - Open Banking - Direct Debits - Scheduled Payments - Banking - Australia - Authenticated image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.bankofmelbourne.com.au/online-services/open-banking baseURL: https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking properties: - url: https://www.bankofmelbourne.com.au/online-services/open-banking type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account type: APIReference - url: openapi/bank-of-melbourne-cds-banking-products-openapi.yml type: OpenAPI description: CONSUMER-AUTHORIZED Consumer Data Right (CDR) Direct Debits and Scheduled Payments surface of the shared DSB Banking API implemented by Bank of Melbourne as an accredited CDR data holder. Access requires an Accredited Data Recipient (ADR) operating under an active customer consent obtained through the regulated CDR OAuth2 + OpenID Connect (FAPI) authorization flow - it is NOT publicly callable. Covers GET /banking/accounts/{accountId}/direct-debits, POST /banking/accounts/direct-debits (bulk), GET /banking/accounts/{accountId}/payments/scheduled, POST /banking/payments/scheduled (bulk), GET /banking/accounts/{accountId}/payments/plans and POST /banking/accounts/payments/plans. Hosted under the confirmed CDR base https://digital-api.bankofmelbourne.com.au/cds-au/v1. - aid: bank-of-melbourne:bank-of-melbourne-cdr-payees-api name: Bank of Melbourne CDR Payees API tags: - CDR - Open Banking - Payees - Banking - Australia - Authenticated image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.bankofmelbourne.com.au/online-services/open-banking baseURL: https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/payees properties: - url: https://www.bankofmelbourne.com.au/online-services/open-banking type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees type: APIReference - url: openapi/bank-of-melbourne-cds-banking-products-openapi.yml type: OpenAPI description: CONSUMER-AUTHORIZED Consumer Data Right (CDR) Payees surface of the shared DSB Banking API implemented by Bank of Melbourne as an accredited CDR data holder. Access requires an Accredited Data Recipient (ADR) acting under an active customer consent obtained through the regulated CDR OAuth2 + OpenID Connect (FAPI) authorization flow - it is NOT publicly callable. Covers GET /banking/payees (list of saved payees) and GET /banking/payees/{payeeId} (payee detail). Hosted under the confirmed CDR base https://digital-api.bankofmelbourne.com.au/cds-au/v1. common: - type: AgenticAccess url: agentic-access/bank-of-melbourne-agentic-access.yml - type: VulnerabilityDisclosure url: security/bank-of-melbourne-vulnerability-disclosure.yml - type: DomainSecurity url: security/bank-of-melbourne-domain-security.yml - type: Website url: https://www.bankofmelbourne.com.au/ - type: Documentation url: https://www.bankofmelbourne.com.au/online-services/open-banking - type: TermsOfService url: https://www.bankofmelbourne.com.au/help/terms-conditions - type: PrivacyPolicy url: https://www.bankofmelbourne.com.au/privacy/privacy-statement - type: Security url: https://www.bankofmelbourne.com.au/online-services/security-centre - type: Authentication url: authentication/bank-of-melbourne-authentication.yml - type: Conventions url: conventions/bank-of-melbourne-conventions.yml - type: ErrorCatalog url: errors/bank-of-melbourne-problem-types.yml - type: Lifecycle url: lifecycle/bank-of-melbourne-lifecycle.yml - type: Deprecation url: lifecycle/bank-of-melbourne-lifecycle.yml - type: Conformance url: conformance/bank-of-melbourne-conformance.yml - type: DataModel url: data-model/bank-of-melbourne-data-model.yml - type: Overlay url: overlays/bank-of-melbourne-cds-banking-products-overlay.yaml - type: MCPServer url: mcp/bank-of-melbourne-mcp.yml - type: AgentSkill url: skills/bank-of-melbourne-browse-products.md - type: LLMsTxt url: llms/bank-of-melbourne-llms.txt maintainers: - FN: Kin Lane email: kin@apievangelist.com