aid: bcu-bank
url: https://raw.githubusercontent.com/api-evangelist/bcu-bank/refs/heads/main/apis.yml
name: BCU Bank
kind: company
description: BCU Bank is a customer-owned banking brand operated by Police & Nurses
  Limited (ABN 69 087 651 876), the mutual bank formed when Bananacoast Community
  Credit Union merged into the P&N Group. Headquartered on the New South Wales north
  coast, BCU serves retail and business members with everyday accounts, savings, home
  and personal lending, and cards. As an Authorised Deposit-taking Institution, BCU
  is a Consumer Data Right (CDR) Data Holder that exposes a public, unauthenticated
  Product Reference Data (PRD) API under the DSB Consumer Data Standards, and supports
  consumer data sharing to accredited data recipients through the CDR consent and
  Open Banking model. BCU does not run a general-purpose developer portal; its
  programmatic surface is the standards-based CDR banking API.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Mutual Bank
- Australia
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: bcu-bank:bcu-bank-cdr-product-reference-data-api
  name: BCU Bank CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking Products
  - Public API
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
  baseURL: https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products
  properties:
  - url: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
    type: APIReference
  - url: openapi/bcu-bank-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. GET /banking/products and
    /banking/products/{productId} return BCU's openly available banking products
    - transaction and savings accounts, residential mortgages, personal loans and
    cards - with fees, rates and eligibility. Confirmed live at
    https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products (HTTP 200 with the
    x-v version header set to 4; live brand "BCU" products returned 2026-07-21). No
    authentication required.
- aid: bcu-bank:bcu-bank-cdr-accounts-and-balances-api
  name: BCU Bank CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Accounts
  - Balances
  - Consumer Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bcu.com.au/consumer-data-right-policy/
  baseURL: https://public.cdr-api.bcu.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.bcu.com.au/consumer-data-right-policy/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
    type: APIReference
  - url: openapi/bcu-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right banking surface for account
    lists and balances, defined by the DSB Consumer Data Standards - Get Accounts,
    Get Bulk Balances, Get Account Balance and Get Account Detail. Not public; access
    is restricted to CDR Accredited Data Recipients acting on explicit member consent
    via the CDR OAuth2/OIDC FAPI authorization and consent flow. The contract is the
    shared DSB CDS Banking OpenAPI (v1.36.0), not a BCU-proprietary spec; BCU
    implements it as a legally obligated CDR Data Holder.
- aid: bcu-bank:bcu-bank-cdr-transactions-api
  name: BCU Bank CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Transactions
  - Account Data
  - Consumer Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bcu.com.au/consumer-data-right-policy/
  baseURL: https://public.cdr-api.bcu.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.bcu.com.au/consumer-data-right-policy/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
    type: APIReference
  - url: openapi/bcu-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right banking surface for account
    transactions, defined by the DSB Consumer Data Standards - Get Transactions For
    Account and Get Transaction Detail, with date, amount and text filtering. Not
    public; access is restricted to CDR Accredited Data Recipients acting on explicit
    member consent via the CDR OAuth2/OIDC FAPI authorization and consent flow. The
    contract is the shared DSB CDS Banking OpenAPI (v1.36.0), not a BCU-proprietary
    spec; BCU implements it as a legally obligated CDR Data Holder.
- aid: bcu-bank:bcu-bank-cdr-direct-debits-and-scheduled-payments-api
  name: BCU Bank CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Consumer Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bcu.com.au/consumer-data-right-policy/
  baseURL: https://public.cdr-api.bcu.com.au/cds-au/v1/banking/accounts/direct-debits
  properties:
  - url: https://www.bcu.com.au/consumer-data-right-policy/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
    type: APIReference
  - url: openapi/bcu-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right banking surface for direct
    debits and scheduled payments, defined by the DSB Consumer Data Standards - Get
    Direct Debits For Account, Get Bulk Direct Debits, Get Scheduled Payments For
    Account and Get Bulk Scheduled Payments. Not public; access is restricted to CDR
    Accredited Data Recipients acting on explicit member consent via the CDR
    OAuth2/OIDC FAPI authorization and consent flow. The contract is the shared DSB
    CDS Banking OpenAPI (v1.36.0), not a BCU-proprietary spec; BCU implements it as a
    legally obligated CDR Data Holder.
- aid: bcu-bank:bcu-bank-cdr-payees-api
  name: BCU Bank CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Payees
  - Account Data
  - Consumer Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bcu.com.au/consumer-data-right-policy/
  baseURL: https://public.cdr-api.bcu.com.au/cds-au/v1/banking/payees
  properties:
  - url: https://www.bcu.com.au/consumer-data-right-policy/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
    type: APIReference
  - url: openapi/bcu-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right banking surface for saved
    payees, defined by the DSB Consumer Data Standards - Get Payees and Get Payee
    Detail, covering domestic, biller and international payee records. Not public;
    access is restricted to CDR Accredited Data Recipients acting on explicit member
    consent via the CDR OAuth2/OIDC FAPI authorization and consent flow. The contract
    is the shared DSB CDS Banking OpenAPI (v1.36.0), not a BCU-proprietary spec; BCU
    implements it as a legally obligated CDR Data Holder.
common:
- type: VulnerabilityDisclosure
  url: security/bcu-bank-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/bcu-bank-domain-security.yml
- type: AgenticAccess
  url: agentic-access/bcu-bank-agentic-access.yml
- type: Security
  url: well-known/bcu-bank-security.txt
- type: SecurityTxt
  url: well-known/bcu-bank-security.txt
- type: WellKnown
  url: well-known/bcu-bank-well-known.yml
- type: Authentication
  url: authentication/bcu-bank-authentication.yml
- type: OAuthScopes
  url: scopes/bcu-bank-scopes.yml
- type: Conventions
  url: conventions/bcu-bank-conventions.yml
- type: ErrorCatalog
  url: errors/bcu-bank-problem-types.yml
- type: Conformance
  url: conformance/bcu-bank-conformance.yml
- type: Compliance
  url: https://www.bcu.com.au/consumer-data-right-policy/
- type: Lifecycle
  url: lifecycle/bcu-bank-lifecycle.yml
- type: Deprecation
  url: lifecycle/bcu-bank-lifecycle.yml
- type: DataModel
  url: data-model/bcu-bank-data-model.yml
- type: MCPServer
  url: mcp/bcu-bank-mcp.yml
- type: Overlay
  url: overlays/bcu-bank-cds-banking-products-overlay.yaml
- type: LLMsTxt
  url: llms/bcu-bank-llms.txt
- type: AgentSkill
  url: skills/bcu-bank-lookup-products.md
- type: AgentSkill
  url: skills/bcu-bank-retrieve-accounts-and-transactions.md
- type: Website
  url: https://www.bcu.com.au/
- type: About
  url: https://www.bcu.com.au/about/
- type: Documentation
  url: https://www.bcu.com.au/help-centre/open-banking/bcu-bank-products-api/
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api
- type: LinkedIn
  url: https://www.linkedin.com/company/bcu
- type: Blog
  url: https://www.bcu.com.au/news-and-media/
- type: TermsOfService
  url: https://www.bcu.com.au/important-information/terms-and-conditions/
- type: PrivacyPolicy
  url: https://www.bcu.com.au/important-information/privacy/
- type: Support
  url: https://www.bcu.com.au/help-centre/
- type: Contact
  url: https://www.bcu.com.au/contact/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com