aid: defence-bank
url: https://raw.githubusercontent.com/api-evangelist/defence-bank/refs/heads/main/apis.yml
name: Defence Bank
kind: company
description: Defence Bank Limited is an Australian customer-owned (mutual) bank established
  in 1975 and headquartered in Melbourne, serving current and former Australian Defence
  Force personnel, Department of Defence employees, and their families as well as the
  broader community. As an APRA-regulated Authorised Deposit-taking Institution (ADI),
  it exists to return value to members rather than external shareholders. Under Australia's
  Consumer Data Right (CDR / Open Banking), Defence Bank operates as a data holder and
  exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the
  DSB Consumer Data Standards; deeper consumer-data sharing requires an accredited data
  recipient and the OAuth2/OIDC FAPI CDR authorization model.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: defence-bank:defence-bank-cdr-product-reference-data-api
  name: Defence Bank CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking Products
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.defencebank.com.au/tools-and-advice/open-banking/
  baseURL: https://product.defencebank.com.au/cds-au/v1/banking/products
  properties:
  - url: https://www.defencebank.com.au/tools-and-advice/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#introduction
    type: APIReference
  - url: openapi/defence-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: 'PUBLIC / unauthenticated Consumer Data Right (CDR) Product Reference
    Data API exposing Defence Bank''s retail and business banking products under the
    shared DSB Consumer Data Standards (CDS) Banking API v1.36.0 — paths /cds-au/v1/banking/products
    and /cds-au/v1/banking/products/{productId}. No consumer consent or CDR ADR accreditation
    is required. Confirmed live at HTTP 200 with x-v 4 (probed 2026-07-21) returning
    a data.products array (52 products across transaction accounts, savings accounts,
    term deposits, credit cards, home loans, offset accounts, overdrafts, and personal
    loans).'
- aid: defence-bank:defence-bank-cdr-accounts-balances-api
  name: Defence Bank CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Accounts
  - Balances
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.defencebank.com.au/tools-and-advice/open-banking/
  baseURL: https://product.defencebank.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.defencebank.com.au/tools-and-advice/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#introduction
    type: APIReference
  - url: openapi/defence-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: 'CONSUMER-AUTHORIZED Consumer Data Right (CDR) Accounts and Balances
    API under the shared DSB Consumer Data Standards Banking API v1.36.0. 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}). Unlike Product Reference Data, these endpoints
    require an Accredited Data Recipient (ADR) and the customer''s consent via the
    OAuth2/OIDC FAPI CDR authorization model — they are not open/unauthenticated.'
- aid: defence-bank:defence-bank-cdr-transactions-api
  name: Defence Bank CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Transactions
  - Accounts
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.defencebank.com.au/tools-and-advice/open-banking/
  baseURL: https://product.defencebank.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.defencebank.com.au/tools-and-advice/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#introduction
    type: APIReference
  - url: openapi/defence-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: 'CONSUMER-AUTHORIZED Consumer Data Right (CDR) Transactions API under
    the shared DSB Consumer Data Standards Banking API v1.36.0. Covers Get Transactions
    For Account (/banking/accounts/{accountId}/transactions) and Get Transaction Detail
    (/banking/accounts/{accountId}/transactions/{transactionId}), supporting date,
    amount and text filtering. Access requires an Accredited Data Recipient (ADR)
    and the customer''s consent via the OAuth2/OIDC FAPI CDR authorization model —
    these endpoints are not open/unauthenticated.'
- aid: defence-bank:defence-bank-cdr-direct-debits-scheduled-payments-api
  name: Defence Bank CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.defencebank.com.au/tools-and-advice/open-banking/
  baseURL: https://product.defencebank.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.defencebank.com.au/tools-and-advice/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#introduction
    type: APIReference
  - url: openapi/defence-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: 'CONSUMER-AUTHORIZED Consumer Data Right (CDR) Direct Debits & Scheduled
    Payments API under the shared DSB Consumer Data Standards Banking API v1.36.0.
    Covers Get Direct Debits For Account and bulk Get Direct Debits (/banking/accounts/{accountId}/direct-debits,
    /banking/accounts/direct-debits) plus Get Scheduled Payments For Account and bulk
    Get Scheduled Payments (/banking/accounts/{accountId}/payments/scheduled, /banking/payments/scheduled).
    Access requires an Accredited Data Recipient (ADR) and the customer''s consent
    via the OAuth2/OIDC FAPI CDR authorization model — not open/unauthenticated.'
- aid: defence-bank:defence-bank-cdr-payees-api
  name: Defence Bank CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Payees
  - Accounts
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.defencebank.com.au/tools-and-advice/open-banking/
  baseURL: https://product.defencebank.com.au/cds-au/v1/banking/payees
  properties:
  - url: https://www.defencebank.com.au/tools-and-advice/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#introduction
    type: APIReference
  - url: openapi/defence-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: 'CONSUMER-AUTHORIZED Consumer Data Right (CDR) Payees API under the
    shared DSB Consumer Data Standards Banking API v1.36.0. Covers Get Payees (/banking/payees)
    and Get Payee Detail (/banking/payees/{payeeId}), returning the member''s saved
    domestic, biller and international payees. Access requires an Accredited Data Recipient
    (ADR) and the customer''s consent via the OAuth2/OIDC FAPI CDR authorization model
    — these endpoints are not open/unauthenticated.'
common:
- type: AgenticAccess
  url: agentic-access/defence-bank-agentic-access.yml
- type: DomainSecurity
  url: security/defence-bank-domain-security.yml
- type: Website
  url: https://www.defencebank.com.au/
- type: Documentation
  url: https://www.defencebank.com.au/tools-and-advice/open-banking/
- type: Blog
  url: https://www.defencebank.com.au/intel
- type: PrivacyPolicy
  url: https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/privacy/
- type: Support
  url: https://www.defencebank.com.au/contact
- type: LinkedIn
  url: https://www.linkedin.com/company/defencebank
- type: GettingStarted
  url: https://www.defencebank.com.au/tools-and-advice/open-banking/
- type: Authentication
  url: authentication/defence-bank-authentication.yml
- type: OAuthScopes
  url: scopes/defence-bank-scopes.yml
- type: Conventions
  url: conventions/defence-bank-conventions.yml
- type: ErrorCatalog
  url: errors/defence-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/defence-bank-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Conformance
  url: conformance/defence-bank-conformance.yml
- type: Compliance
  url: https://www.defencebank.com.au/tools-and-advice/open-banking/
- type: DataModel
  url: data-model/defence-bank-data-model.yml
- type: MCPServer
  url: mcp/defence-bank-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/defence-bank-llms.txt
- type: Overlay
  url: overlays/defence-bank-cds-banking-products-overlay.yaml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com