aid: bank-of-sydney
url: https://raw.githubusercontent.com/api-evangelist/bank-of-sydney/refs/heads/main/apis.yml
name: Bank of Sydney
kind: company
description: Bank of Sydney Ltd is an Australian authorised deposit-taking institution
  (ADI) headquartered in Sydney, New South Wales, offering personal and business banking,
  home loans, deposits, and everyday accounts. It is a wholly owned subsidiary of Lebanon-based
  Bank of Beirut and operates a national branch and digital footprint across Australia.
  As a regulated ADI, Bank of Sydney participates in Australia's Consumer Data Right
  (CDR) / Open Banking regime, exposing a public, unauthenticated Product Reference
  Data (PRD) API that conforms to the Data Standards Body (DSB) Consumer Data Standards.
  Consumer-facing account and transaction data sharing is delivered to Accredited Data
  Recipients (ADRs) under the CDR authorisation model, backed by OAuth2/OIDC.
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
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: bank-of-sydney:bank-of-sydney-cdr-product-reference-data-api
  name: Bank of Sydney CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking
  - Public
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.banksyd.com.au/tools-support/open-banking/
  baseURL: https://openbank.api.banksyd.com.au/cds-au/v1/banking/products
  properties:
  - url: https://www.banksyd.com.au/tools-support/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
    type: APIReference
  - url: openapi/bank-of-sydney-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Public, unauthenticated Product Reference Data (PRD) API exposing Bank
    of Sydney's retail and business banking product catalogue (home loans, deposits,
    everyday accounts) under the Consumer Data Right. Confirmed live at HTTP 200 (with
    request header x-v:4) returning a data.products array (29 products) conforming to
    the DSB Consumer Data Standards banking schema. Covers the Get Products and Get
    Product Detail endpoints (/banking/products and /banking/products/{productId}),
    both public and requiring no consumer authorisation.
- aid: bank-of-sydney:bank-of-sydney-cdr-accounts-balances-api
  name: Bank of Sydney CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Accounts
  - Balances
  - Banking
  - Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.banksyd.com.au/tools-support/open-banking/
  baseURL: https://openbank.api.banksyd.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.banksyd.com.au/tools-support/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/bank-of-sydney-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorised account and balance data-sharing surface under the
    Consumer Data Right, delivered to Accredited Data Recipients (ADRs) under the CDR
    authorisation model (OAuth2/OIDC + PKCE, MTLS-secured). Covers Get Accounts
    (/banking/accounts), Get Bulk Balances (/banking/accounts/balances), Get Account
    Balance (/banking/accounts/{accountId}/balance) and Get Account Detail
    (/banking/accounts/{accountId}). Not public; the base endpoint returns HTTP 403
    without a valid CDR consumer authorisation. Conforms to the DSB Consumer Data
    Standards Banking API v1.36.0.
- aid: bank-of-sydney:bank-of-sydney-cdr-transactions-api
  name: Bank of Sydney CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Transactions
  - Banking
  - Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.banksyd.com.au/tools-support/open-banking/
  baseURL: https://openbank.api.banksyd.com.au/cds-au/v1/banking/accounts/{accountId}/transactions
  properties:
  - url: https://www.banksyd.com.au/tools-support/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/bank-of-sydney-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorised transaction data-sharing surface under the Consumer
    Data Right, delivered to Accredited Data Recipients (ADRs) under the CDR
    authorisation model (OAuth2/OIDC, MTLS-secured). Covers Get Transactions For
    Account (/banking/accounts/{accountId}/transactions) and Get Transaction Detail
    (/banking/accounts/{accountId}/transactions/{transactionId}), supporting
    filtering by date, amount and text. Not public; requires a valid CDR consumer
    authorisation. Conforms to the DSB Consumer Data Standards Banking API v1.36.0.
- aid: bank-of-sydney:bank-of-sydney-cdr-direct-debits-scheduled-payments-api
  name: Bank of Sydney CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Banking
  - Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.banksyd.com.au/tools-support/open-banking/
  baseURL: https://openbank.api.banksyd.com.au/cds-au/v1/banking/accounts/direct-debits
  properties:
  - url: https://www.banksyd.com.au/tools-support/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/bank-of-sydney-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorised direct-debit and scheduled-payment data-sharing
    surface under the Consumer Data Right, delivered to Accredited Data Recipients
    (ADRs) under the CDR authorisation model (OAuth2/OIDC, MTLS-secured). Covers Get
    Direct Debits For Account, Get Bulk Direct Debits (/banking/accounts/direct-debits),
    Get Scheduled Payments For Account, Get Scheduled Payments Bulk
    (/banking/payments/scheduled) and the Get Payment Plans endpoints. Not public,
    requires a valid CDR consumer authorisation. Conforms to the DSB Consumer Data
    Standards Banking API v1.36.0.
- aid: bank-of-sydney:bank-of-sydney-cdr-payees-api
  name: Bank of Sydney CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Payees
  - Banking
  - Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.banksyd.com.au/tools-support/open-banking/
  baseURL: https://openbank.api.banksyd.com.au/cds-au/v1/banking/payees
  properties:
  - url: https://www.banksyd.com.au/tools-support/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/bank-of-sydney-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorised saved-payee data-sharing surface under the Consumer
    Data Right, delivered to Accredited Data Recipients (ADRs) under the CDR
    authorisation model (OAuth2/OIDC, MTLS-secured). Covers Get Payees (/banking/payees)
    and Get Payee Detail (/banking/payees/{payeeId}), returning the consumer's stored
    domestic, biller and international payee records. Not public; requires a valid CDR
    consumer authorisation. Conforms to the DSB Consumer Data Standards Banking API
    v1.36.0.
common:
- type: AgenticAccess
  url: agentic-access/bank-of-sydney-agentic-access.yml
- type: DomainSecurity
  url: security/bank-of-sydney-domain-security.yml
- type: Website
  url: https://www.banksyd.com.au/
- type: Documentation
  url: https://www.banksyd.com.au/tools-support/open-banking/
- type: GettingStarted
  url: https://www.banksyd.com.au/tools-support/open-banking/
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
- type: LinkedIn
  url: https://www.linkedin.com/company/bank-of-sydney
- type: Authentication
  url: authentication/bank-of-sydney-authentication.yml
- type: OAuthScopes
  url: scopes/bank-of-sydney-scopes.yml
- type: Conventions
  url: conventions/bank-of-sydney-conventions.yml
- type: ErrorCatalog
  url: errors/bank-of-sydney-problem-types.yml
- type: Lifecycle
  url: lifecycle/bank-of-sydney-lifecycle.yml
- type: Deprecation
  url: lifecycle/bank-of-sydney-lifecycle.yml
- type: Conformance
  url: conformance/bank-of-sydney-conformance.yml
- type: DataModel
  url: data-model/bank-of-sydney-data-model.yml
- type: MCPServer
  url: mcp/bank-of-sydney-mcp.yml
- type: Overlay
  url: overlays/bank-of-sydney-cds-banking-products-overlay.yaml
- type: LLMsTxt
  url: llms/bank-of-sydney-llms.txt
- type: AgentSkill
  url: skills/bank-of-sydney-product-reference-data.md
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com