aid: bendigo-and-adelaide-bank
url: https://raw.githubusercontent.com/api-evangelist/bendigo-and-adelaide-bank/refs/heads/main/apis.yml
name: Bendigo and Adelaide Bank
kind: company
description: Bendigo and Adelaide Bank Limited (ASX:BEN) is one of Australia's largest
  retail banks, formed by the 2007 merger of the community-focused Bendigo Bank and
  the wholesale-strong Adelaide Bank, and headquartered in Bendigo, Victoria. The
  group serves millions of customers through the Bendigo Bank, Adelaide Bank, Rural
  Bank, and Up (neobank) brands, with a distinctive Community Bank branch-franchise
  model. As an authorised deposit-taking institution and accredited Consumer Data
  Right (CDR) data holder, the bank exposes public, unauthenticated Product Reference
  Data (PRD) APIs conforming to the Australian Consumer Data Standards, alongside the
  authenticated CDR consumer data-sharing surface governed by the ACCC/DSB rules.
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
- Australia
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-cds-banking-products-api
  name: Bendigo and Adelaide Bank CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  properties:
  - url: https://www.bendigobank.com.au/cdr/
    type: Documentation
  - url: https://www.bendigoadelaide.com.au/banking-products-api/
    type: SignupURL
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
    type: APIReference
  - url: openapi/bendigo-and-adelaide-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Public, unauthenticated Consumer Data Right Product Reference Data API
    for the Bendigo Bank brand, exposing GET /banking/products and GET /banking/products/{productId}
    per the Australian Consumer Data Standards. Confirmed live returning HTTP 200 at
    x-v 4 (verified 2026-07-21). This is the only CDR family that is callable without
    accreditation or consumer consent; the OpenAPI pointer is the shared DSB CDS Banking
    standard (v1.36.0), which the bank is legally required to implement, not a proprietary spec.
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-cds-banking-accounts-api
  name: Bendigo and Adelaide Bank CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Accounts
  - Balances
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.bendigobank.com.au/cdr/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
    type: APIReference
  - url: openapi/bendigo-and-adelaide-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right banking surface covering Get
    Accounts, Get Bulk Balances, Get Account Balance, and Get Account Detail (GET /banking/accounts,
    /banking/accounts/balances, /banking/accounts/{accountId}/balance, /banking/accounts/{accountId}).
    Not publicly callable - access requires ACCC-accredited data recipient (ADR) status,
    mutual TLS, and explicit consumer consent under the CDR rules. Served on the confirmed
    Bendigo CDR data holder host; the OpenAPI is the shared DSB CDS Banking standard v1.36.0.
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-cds-banking-transactions-api
  name: Bendigo and Adelaide Bank CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Transactions
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/accounts/{accountId}/transactions
  properties:
  - url: https://www.bendigobank.com.au/cdr/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
    type: APIReference
  - url: openapi/bendigo-and-adelaide-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right transactions surface covering
    Get Transactions For Account and Get Transaction Detail (GET /banking/accounts/{accountId}/transactions
    and /banking/accounts/{accountId}/transactions/{transactionId}). Not publicly callable
    - requires ACCC-accredited data recipient status, mutual TLS, and consumer consent
    under the CDR rules. Served on the confirmed Bendigo CDR data holder host; the OpenAPI
    is the shared DSB CDS Banking standard v1.36.0.
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-cds-banking-direct-debits-api
  name: Bendigo and Adelaide Bank CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/accounts/direct-debits
  properties:
  - url: https://www.bendigobank.com.au/cdr/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
    type: APIReference
  - url: openapi/bendigo-and-adelaide-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right surface covering Get Direct Debits
    (per-account and bulk) and Get Scheduled Payments (per-account and bulk) - GET /banking/accounts/{accountId}/direct-debits,
    /banking/accounts/direct-debits, /banking/accounts/{accountId}/payments/scheduled,
    and /banking/payments/scheduled. Not publicly callable - requires ACCC-accredited
    data recipient status, mutual TLS, and consumer consent. Served on the confirmed
    Bendigo CDR host; the OpenAPI is the shared DSB CDS Banking standard v1.36.0.
- aid: bendigo-and-adelaide-bank:bendigo-and-adelaide-bank-cds-banking-payees-api
  name: Bendigo and Adelaide Bank CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Payees
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/payees
  properties:
  - url: https://www.bendigobank.com.au/cdr/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
    type: APIReference
  - url: openapi/bendigo-and-adelaide-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right payees surface covering Get Payees
    and Get Payee Detail (GET /banking/payees and /banking/payees/{payeeId}), exposing
    a customer's saved payees. Not publicly callable - requires ACCC-accredited data
    recipient status, mutual TLS, and consumer consent under the CDR rules. Served on
    the confirmed Bendigo CDR data holder host; the OpenAPI is the shared DSB CDS Banking
    standard v1.36.0.
- aid: bendigo-and-adelaide-bank:up-developer-api
  name: Up Developer API (Personal Banking)
  tags:
  - Personal Banking
  - Neobank
  - Transactions
  - Accounts
  - Webhooks
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.up.com.au/
  baseURL: https://api.up.com.au/api/v1
  properties:
  - url: https://developer.up.com.au/
    type: Documentation
  - url: https://developer.up.com.au/
    type: APIReference
  - url: https://github.com/up-banking/api
    type: SourceCode
  - url: https://developer.up.com.au/#getting_started
    type: GettingStarted
  - url: openapi/bendigo-and-adelaide-bank-up-developer-api-openapi.json
    type: OpenAPI
  - url: asyncapi/bendigo-and-adelaide-bank-up-webhooks-asyncapi.yml
    type: AsyncAPI
  - url: asyncapi/bendigo-and-adelaide-bank-up-webhooks-asyncapi.yml
    type: Webhooks
  description: First-party personal-banking developer API for Up, the digital neobank
    owned by Bendigo and Adelaide Bank. A genuine bank-proprietary REST API (JSON:API
    style) letting an Up customer read their own accounts, transactions, categories,
    tags, and attachments, and register webhooks, authenticated with a personal access
    token. Confirmed live - api.up.com.au/api/v1 returns HTTP 401 (auth required) when
    unauthenticated (verified 2026-07-21). OpenAPI 3.0.3 (17 paths) harvested verbatim
    from Up's public up-banking/api GitHub repository.
- aid: bendigo-and-adelaide-bank:up-cds-banking-products-api
  name: Up Banking CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Neobank
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://up.com.au/
  baseURL: https://api.up.com.au/cds-au/v1/banking/products
  properties:
  - url: https://up.com.au/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
    type: APIReference
  - url: openapi/bendigo-and-adelaide-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Public CDR Product Reference Data API for Up, the digital neobank owned
    by Bendigo and Adelaide Bank, conforming to the shared Australian Consumer Data
    Standards. Confirmed live returning HTTP 200 for GET /banking/products (verified
    2026-07-20). Up separately publishes its own authenticated personal-banking developer
    API at api.up.com.au/api/v1.
- aid: bendigo-and-adelaide-bank:adelaide-bank-cds-banking-products-api
  name: Adelaide Bank CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.bendigobank.com.au/cdr/
  baseURL: https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products
  properties:
  - url: https://www.bendigobank.com.au/cdr/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
    type: APIReference
  - url: openapi/bendigo-and-adelaide-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer Data Right Product Reference Data for the Adelaide Bank brand.
    Adelaide Bank is a division of Bendigo and Adelaide Bank Limited, which is a single
    accredited CDR data holder; the standalone host api.cdr.adelaidebank.com.au does
    NOT resolve (DNS NXDOMAIN, verified 2026-07-21), so the Adelaide brand's product
    data is served through the group's confirmed Bendigo CDR data holder host. Listed
    with the confirmed working host, not an invented one; the OpenAPI is the shared
    DSB CDS Banking standard v1.36.0.
common:
- type: VulnerabilityDisclosure
  url: security/bendigo-and-adelaide-bank-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/bendigo-and-adelaide-bank-domain-security.yml
- type: Website
  url: https://www.bendigobank.com.au/
- type: CorporateWebsite
  url: https://www.bendigoadelaide.com.au/
- type: DeveloperPortal
  url: https://www.bendigoadelaide.com.au/banking-products-api/
- type: Portal
  url: https://developer.up.com.au/
- type: ConsumerDataRight
  url: https://www.bendigobank.com.au/cdr/
- type: Documentation
  url: https://www.bendigoadelaide.com.au/banking-products-api/
- type: APIStandards
  url: https://consumerdatastandardsaustralia.github.io/standards/
- type: TermsOfService
  url: https://www.bendigobank.com.au/legal/terms-and-conditions/
- type: PrivacyPolicy
  url: https://www.bendigobank.com.au/privacy/
- type: Support
  url: https://www.bendigobank.com.au/contact-us/
- type: InvestorRelations
  url: https://www.bendigoadelaide.com.au/investor-centre/
- type: Blog
  url: https://www.bendigoadelaide.com.au/media-centre/
- type: GitHubOrganization
  url: https://github.com/bendigoadelaide
- type: Authentication
  url: authentication/bendigo-and-adelaide-bank-authentication.yml
- type: OAuthScopes
  url: scopes/bendigo-and-adelaide-bank-scopes.yml
- type: WellKnown
  url: well-known/bendigo-and-adelaide-bank-well-known.yml
- type: Conformance
  url: conformance/bendigo-and-adelaide-bank-conformance.yml
- type: ErrorCatalog
  url: errors/bendigo-and-adelaide-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/bendigo-and-adelaide-bank-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Conventions
  url: conventions/bendigo-and-adelaide-bank-conventions.yml
- type: DataModel
  url: data-model/bendigo-and-adelaide-bank-data-model.yml
- type: Overlay
  url: overlays/bendigo-and-adelaide-bank-cds-banking-products-overlay.yaml
- type: Overlay
  url: overlays/bendigo-and-adelaide-bank-up-developer-api-overlay.yaml
- type: Packages
  url: packages/bendigo-and-adelaide-bank-packages.yml
- type: LLMsTxt
  url: llms/bendigo-and-adelaide-bank-llms.txt
- type: MCPServer
  url: mcp/bendigo-and-adelaide-bank-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Security
  url: https://www.bendigobank.com.au/security/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com