# Hume Bank

> Hume Bank is a customer-owned (mutual) Australian bank headquartered in Albury, New South Wales, and an authorised deposit-taking institution (ADI) participating in Australia's Consumer Data Right (CDR / Open Banking). It exposes a public, unauthenticated Product Reference Data (PRD) API built to the Consumer Data Standards, covering its retail and business deposit, lending, and credit card products.

## APIs

- [Hume Bank CDR Product Reference Data API](https://www.humebank.com.au/about-hume-bank/customer-resources/open-banking-products-api): Public PRD API returning Hume Bank's openly offered banking products (rates, fees, eligibility). Base: https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products — send the mandatory `x-v` header (served x-v 4). No authentication required.

## Specs

- [OpenAPI (Get Products / Get Product Detail)](https://raw.githubusercontent.com/api-evangelist/hume-bank/refs/heads/main/openapi/hume-bank-cds-banking-products-openapi.yml)
- [Consumer Data Standards — Banking (Get Products)](https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products)

## Artifacts

- [Authentication profile](https://raw.githubusercontent.com/api-evangelist/hume-bank/refs/heads/main/authentication/hume-bank-authentication.yml)
- [API conventions (versioning / pagination)](https://raw.githubusercontent.com/api-evangelist/hume-bank/refs/heads/main/conventions/hume-bank-conventions.yml)
- [Conformance (CDS / CDR)](https://raw.githubusercontent.com/api-evangelist/hume-bank/refs/heads/main/conformance/hume-bank-conformance.yml)
- [Data model / ERD](https://raw.githubusercontent.com/api-evangelist/hume-bank/refs/heads/main/data-model/hume-bank-data-model.yml)
- [Lifecycle](https://raw.githubusercontent.com/api-evangelist/hume-bank/refs/heads/main/lifecycle/hume-bank-lifecycle.yml)
- [MCP candidate tools](https://raw.githubusercontent.com/api-evangelist/hume-bank/refs/heads/main/mcp/hume-bank-mcp.yml)
- [Agentic access contracts](https://raw.githubusercontent.com/api-evangelist/hume-bank/refs/heads/main/agentic-access/hume-bank-agentic-access.yml)
- [Agent skill: product lookup](https://raw.githubusercontent.com/api-evangelist/hume-bank/refs/heads/main/skills/hume-bank-product-lookup.md)

## Docs

- [Open Banking / Product API](https://www.humebank.com.au/about-hume-bank/customer-resources/open-banking-products-api)
- [Interest rates](https://www.humebank.com.au/interest-rates/)
- [CDR Policy (PDF)](https://www.humebank.com.au/media/2025/12/Consumer-Data-Right-Policy_POL266_EXTERNAL_December-2025-1.pdf)
- [Privacy policy](https://www.humebank.com.au/privacy-policy/)
- [Contact / support](https://www.humebank.com.au/contact-us/)