aid: bank-of-us
url: https://raw.githubusercontent.com/api-evangelist/bank-of-us/refs/heads/main/apis.yml
name: Bank of us
kind: company
description: Bank of us is Tasmania's only customer-owned bank, a mutual authorised
  deposit-taking institution (ADI) trading as B&E Ltd (brand "BNE LTD") and headquartered
  in Launceston, Tasmania. Formed from the former Bass & Equitable Building Society
  and rebranded to Bank of us in 2016, it is owned by its members rather than shareholders
  and offers home loans, personal and business banking, savings, and term deposits.
  As a regulated ADI it participates in Australia's Consumer Data Right (CDR / Open
  Banking) as a data holder, exposing a public, unauthenticated Product Reference Data
  (PRD) API that conforms to the Data Standards Body (DSB) Consumer Data Standards,
  and enabling customers to share account and transaction data with accredited data
  recipients under ACCC oversight.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Tasmania
- Mutual
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: bank-of-us:bank-of-us-cdr-product-reference-data-api
  name: Bank of us CDR Product Reference Data API
  tags:
  - Open Banking
  - CDR
  - Product Reference Data
  - Banking
  - Products
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://bankofus.com.au/open-banking
  baseURL: https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products
  properties:
  - url: https://bankofus.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
    type: APIReference
  - url: openapi/bank-of-us-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Public, unauthenticated Consumer Data Right Product Reference Data (PRD)
    API. A live GET on https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products
    returns HTTP 200 (verified 2026-07-21) with an x-v response header of 4 and a data.products
    array of 27 products across home loans, personal/business banking, savings, and
    term deposits. Requires the x-v request header (currently version 4). Conforms
    to the DSB Consumer Data Standards CDR Banking API (v1.36.0) and covers GET /banking/products
    and GET /banking/products/{productId}. No authentication or CDR consent required.
- aid: bank-of-us:bank-of-us-cdr-accounts-balances-api
  name: Bank of us CDR Accounts & Balances API
  tags:
  - Open Banking
  - CDR
  - Banking
  - Accounts
  - Balances
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://bankofus.com.au/open-banking
  baseURL: https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/accounts
  properties:
  - url: https://bankofus.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
    type: APIReference
  - url: openapi/bank-of-us-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right accounts and balances surface
    of the DSB CDR Banking API (v1.36.0). Unlike the public Product Reference Data
    endpoints, these require an authorized CDR data-sharing consent flowing through
    an Accredited Data Recipient (ADR), OAuth2/OIDC authentication and MTLS. Covers
    GET /banking/accounts (Get Accounts), GET /banking/accounts/balances (Get Bulk
    Balances), POST /banking/accounts/balances (Get Balances For Specific Accounts),
    GET /banking/accounts/{accountId}/balance (Get Account Balance) and GET /banking/accounts/{accountId}
    (Get Account Detail). Not directly callable without an active consumer consent.
- aid: bank-of-us:bank-of-us-cdr-transactions-api
  name: Bank of us CDR Transactions API
  tags:
  - Open Banking
  - CDR
  - Banking
  - Transactions
  - Accounts
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://bankofus.com.au/open-banking
  baseURL: https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/accounts/{accountId}/transactions
  properties:
  - url: https://bankofus.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions
    type: APIReference
  - url: openapi/bank-of-us-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized transaction-history surface of the DSB CDR Banking
    API (v1.36.0). Requires an authorized CDR data-sharing consent through an Accredited
    Data Recipient (ADR) with OAuth2/OIDC and MTLS; it is not a public endpoint. Covers
    GET /banking/accounts/{accountId}/transactions (Get Transactions For Account, with
    date, amount and text filtering) and GET /banking/accounts/{accountId}/transactions/{transactionId}
    (Get Transaction Detail). Standardized across all Australian ADIs by the Data Standards
    Body; not bank-proprietary.
- aid: bank-of-us:bank-of-us-cdr-direct-debits-scheduled-payments-api
  name: Bank of us CDR Direct Debits & Scheduled Payments API
  tags:
  - Open Banking
  - CDR
  - Banking
  - Direct Debits
  - Scheduled Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://bankofus.com.au/open-banking
  baseURL: https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/accounts/direct-debits
  properties:
  - url: https://bankofus.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
    type: APIReference
  - url: openapi/bank-of-us-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized direct-debit and scheduled-payment surface of the
    DSB CDR Banking API (v1.36.0). Requires an authorized CDR data-sharing consent
    through an Accredited Data Recipient (ADR) with OAuth2/OIDC and MTLS. Covers GET
    /banking/accounts/{accountId}/direct-debits, POST /banking/accounts/direct-debits
    (Get Direct Debits For Specific Accounts), GET /banking/accounts/{accountId}/payments/scheduled
    and POST /banking/payments/scheduled (Get Scheduled Payments). Standardized by
    the Data Standards Body across all Australian ADIs; not bank-proprietary.
- aid: bank-of-us:bank-of-us-cdr-payees-api
  name: Bank of us CDR Payees API
  tags:
  - Open Banking
  - CDR
  - Banking
  - Payees
  - Accounts
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://bankofus.com.au/open-banking
  baseURL: https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/payees
  properties:
  - url: https://bankofus.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
    type: APIReference
  - url: openapi/bank-of-us-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized saved-payees surface of the DSB CDR Banking API
    (v1.36.0). Requires an authorized CDR data-sharing consent through an Accredited
    Data Recipient (ADR) with OAuth2/OIDC and MTLS; it is not a public endpoint. Covers
    GET /banking/payees (Get Payees, listing the customer's saved payees) and GET /banking/payees/{payeeId}
    (Get Payee Detail). Standardized across all Australian ADIs by the Data Standards
    Body; not bank-proprietary.
common:
- type: AgenticAccess
  url: agentic-access/bank-of-us-agentic-access.yml
- type: Authentication
  url: authentication/bank-of-us-authentication.yml
- type: OAuthScopes
  url: scopes/bank-of-us-scopes.yml
- type: Conformance
  url: conformance/bank-of-us-conformance.yml
- type: ErrorCatalog
  url: errors/bank-of-us-problem-types.yml
- type: Lifecycle
  url: lifecycle/bank-of-us-lifecycle.yml
- type: Deprecation
  url: lifecycle/bank-of-us-lifecycle.yml
- type: Conventions
  url: conventions/bank-of-us-conventions.yml
- type: DataModel
  url: data-model/bank-of-us-data-model.yml
- type: Overlay
  url: overlays/bank-of-us-cds-banking-products-overlay.yaml
- type: LLMsTxt
  url: llms/bank-of-us-llms.txt
- type: MCPServer
  url: mcp/bank-of-us-mcp.yml
- type: AgentSkill
  url: skills/bank-of-us-product-lookup.md
- type: WellKnown
  url: well-known/bank-of-us-well-known.yml
- type: SecurityTxt
  url: well-known/bank-of-us-security.txt
- type: VulnerabilityDisclosure
  url: security/bank-of-us-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/bank-of-us-domain-security.yml
- type: Security
  url: https://bankofus.com.au/.well-known/security.txt
- type: Website
  url: https://www.bankofus.com.au/
- type: Documentation
  url: https://bankofus.com.au/open-banking
- type: DeveloperPortal
  url: https://bankofus.com.au/open-banking
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
- type: LinkedIn
  url: https://www.linkedin.com/company/bank-of-us/
- type: Blog
  url: https://www.bankofus.com.au/blog
- type: PrivacyPolicy
  url: https://www.bankofus.com.au/privacy-policy
- type: Support
  url: https://www.bankofus.com.au/contact
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com