aid: national-australia-bank
url: https://raw.githubusercontent.com/api-evangelist/national-australia-bank/refs/heads/main/apis.yml
name: National Australia Bank
kind: company
description: National Australia Bank (NAB) is one of Australia's "Big Four" banks and
  a major Authorised Deposit-taking Institution (ADI), headquartered in Melbourne
  and publicly listed on the Australian Securities Exchange (ASX:NAB) - a shareholder-owned
  institution rather than a customer-owned mutual. NAB serves retail, business,
  corporate, and institutional customers across Australia and New Zealand. As a
  regulated ADI, NAB is a mandated data holder under Australia's Consumer Data Right
  (CDR / Open Banking) and exposes a public, unauthenticated Product Reference Data
  (PRD) API conforming to the DSB Consumer Data Standards (CDS), alongside its
  accredited-only consumer data sharing surface and a public developer portal.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: national-australia-bank:national-australia-bank-cdr-product-reference-data-api
  name: National Australia Bank (NAB) CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking
  - Consumer Data Right
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.nab.com.au/docs/open-banking
  baseURL: https://openbank.api.nab.com.au/cds-au/v1/banking/products
  properties:
  - url: https://developer.nab.com.au/docs/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
    type: APIReference
  - url: openapi/national-australia-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: NAB's public, unauthenticated Consumer Data Right (CDR) Product
    Reference Data API. GET /banking/products (and /banking/products/{productId})
    returns NAB's openly published banking product catalogue - home loans, deposits,
    credit cards, business products and more - with fees, rates, eligibility and
    terms. Conforms to the DSB Consumer Data Standards (CDS) Banking API. Confirmed
    live returning HTTP 200 (with x-v response header) at
    https://openbank.api.nab.com.au/cds-au/v1/banking/products. This is the only
    PUBLIC (unauthenticated) endpoint family in the CDR Banking surface; the
    account/transaction/payment families below require a consumer-authorized CDR flow.
- aid: national-australia-bank:national-australia-bank-cdr-accounts-balances-api
  name: National Australia Bank (NAB) CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Accounts
  - Balances
  - Consumer Data Right
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.nab.com.au/docs/open-banking
  baseURL: https://openbank.api.nab.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://developer.nab.com.au/docs/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
    type: APIReference
  - url: openapi/national-australia-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: NAB's consumer-AUTHORIZED Consumer Data Right (CDR) Accounts and
    Balances surface, part of the DSB Consumer Data Standards (CDS) Banking API that
    NAB is legally mandated to implement as a data holder. Covers Get Accounts
    (GET /banking/accounts), Get Account Detail (/banking/accounts/{accountId}),
    Get Bulk Balances (/banking/accounts/balances) and Get Account Balance
    (/banking/accounts/{accountId}/balance). Access is via the accredited CDR ADR
    model - the consumer must authorize a data recipient; a bare request to
    https://openbank.api.nab.com.au/cds-au/v1/banking/accounts returns HTTP 403
    (unauthorized) as expected. Endpoint definitions harvested verbatim from the
    shared DSB standard, not bank-proprietary.
- aid: national-australia-bank:national-australia-bank-cdr-transactions-api
  name: National Australia Bank (NAB) CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Transactions
  - Banking
  - Consumer Data Right
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.nab.com.au/docs/open-banking
  baseURL: https://openbank.api.nab.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://developer.nab.com.au/docs/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
    type: APIReference
  - url: openapi/national-australia-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: NAB's consumer-AUTHORIZED Consumer Data Right (CDR) Transactions
    surface from the DSB Consumer Data Standards (CDS) Banking API. Covers Get
    Transactions For Account (GET /banking/accounts/{accountId}/transactions) and
    Get Transaction Detail (/banking/accounts/{accountId}/transactions/{transactionId}),
    returning debits, credits, descriptions, amounts and status for an authorized
    consumer's NAB accounts. Access requires a consumer-authorized CDR ADR flow
    (accreditation with the ACCC); it is not a public endpoint. Endpoint definitions
    harvested verbatim from the shared DSB standard, not bank-proprietary.
- aid: national-australia-bank:national-australia-bank-cdr-direct-debits-scheduled-payments-api
  name: National Australia Bank (NAB) CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Consumer Data Right
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.nab.com.au/docs/open-banking
  baseURL: https://openbank.api.nab.com.au/cds-au/v1/banking
  properties:
  - url: https://developer.nab.com.au/docs/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
    type: APIReference
  - url: openapi/national-australia-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: NAB's consumer-AUTHORIZED Consumer Data Right (CDR) Direct Debits and
    Scheduled Payments surface from the DSB Consumer Data Standards (CDS) Banking API.
    Covers Get Direct Debits For Account (/banking/accounts/{accountId}/direct-debits),
    Get Bulk Direct Debits (/banking/accounts/direct-debits), Get Scheduled Payments
    For Account (/banking/accounts/{accountId}/payments/scheduled) and Get Bulk
    Scheduled Payments (/banking/payments/scheduled). Access requires a
    consumer-authorized CDR ADR flow; it is not a public endpoint. Endpoint
    definitions harvested verbatim from the shared DSB standard, not bank-proprietary.
- aid: national-australia-bank:national-australia-bank-cdr-payees-api
  name: National Australia Bank (NAB) CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Payees
  - Banking
  - Consumer Data Right
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.nab.com.au/docs/open-banking
  baseURL: https://openbank.api.nab.com.au/cds-au/v1/banking/payees
  properties:
  - url: https://developer.nab.com.au/docs/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
    type: APIReference
  - url: openapi/national-australia-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: NAB's consumer-AUTHORIZED Consumer Data Right (CDR) Payees surface
    from the DSB Consumer Data Standards (CDS) Banking API. Covers Get Payees
    (GET /banking/payees) and Get Payee Detail (/banking/payees/{payeeId}),
    returning the saved payees (domestic, international, biller) an authorized
    consumer has configured on their NAB accounts. Access requires a
    consumer-authorized CDR ADR flow; it is not a public endpoint. Endpoint
    definitions harvested verbatim from the shared DSB standard, not bank-proprietary.
- aid: national-australia-bank:national-australia-bank-gateway-payments-api
  name: National Australia Bank (NAB) Gateway Payments API
  tags:
  - Payments
  - Merchant
  - Tokenization
  - Invoicing
  - Reporting
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://nabgateway-developer.nab.com.au/
  properties:
  - url: https://nabgateway-developer.nab.com.au/
    type: DeveloperPortal
  - url: https://nabgateway-developer.nab.com.au/api-reference-assets/index.html
    type: APIReference
  - url: https://nabgateway-developer.nab.com.au/api/developer-guides.html
    type: Documentation
  - url: https://nabgateway-developer.nab.com.au/hello-world.html
    type: GettingStarted
  description: NAB's first-party merchant payments REST API platform (the NAB
    Gateway / NAB Transact developer portal at nabgateway-developer.nab.com.au),
    distinct from the CDR Open Banking surface. Documents a full merchant-acquiring
    API set - Payments (online and card-present, incl. Google Pay and Apple Pay),
    Token Management, Flex Microform (PCI-DSS scope reduction), Stored Credentials,
    Invoicing, Reporting, Transaction Search, Transaction Details and Transaction
    Batches - with field-level reference, code samples and a sandbox. Access is
    merchant-registered and the OpenAPI/Swagger is not published for public download
    (the reference renders in a client-side app), so this entry is documentation-only
    with no harvested spec; humanURL points at the live developer portal (HTTP 200).
common:
- type: DomainSecurity
  url: security/national-australia-bank-domain-security.yml
- type: Website
  url: https://www.nab.com.au/
- type: DeveloperPortal
  url: https://developer.nab.com.au/
- type: Portal
  url: https://nabgateway-developer.nab.com.au/
- type: Documentation
  url: https://developer.nab.com.au/docs/open-banking
- type: APIReference
  url: https://nabgateway-developer.nab.com.au/api-reference-assets/index.html
- type: LinkedIn
  url: https://www.linkedin.com/company/national-australia-bank
- type: Blog
  url: https://news.nab.com.au/
- type: PrivacyPolicy
  url: https://www.nab.com.au/common/privacy-policy
- type: GettingStarted
  url: https://developer.nab.com.au/docs/open-banking
- type: Support
  url: https://developer.nab.com.au/support
- type: TermsOfService
  url: https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/services/nab-use-of-apis-developer-terms.pdf
- type: Authentication
  url: authentication/national-australia-bank-authentication.yml
- type: OpenIDConnect
  url: well-known/national-australia-bank-openid-configuration.json
- type: OAuthScopes
  url: scopes/national-australia-bank-scopes.yml
- type: WellKnown
  url: well-known/national-australia-bank-well-known.yml
- type: Conventions
  url: conventions/national-australia-bank-conventions.yml
- type: ErrorCatalog
  url: errors/national-australia-bank-error-codes.yml
- type: Conformance
  url: conformance/national-australia-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/national-australia-bank-lifecycle.yml
- type: DataModel
  url: data-model/national-australia-bank-data-model.yml
- type: MCPServer
  url: mcp/national-australia-bank-mcp.yml
- type: LLMsTxt
  url: llms/national-australia-bank-llms.txt
- type: AgentSkill
  url: skills/national-australia-bank-browse-products.md
- type: Overlay
  url: overlays/national-australia-bank-cds-banking-products-overlay.yaml
- type: VulnerabilityDisclosure
  url: security/national-australia-bank-vulnerability-disclosure.yml
- type: Security
  url: https://www.nab.com.au/about-us/security
- type: Sandbox
  url: sandbox/national-australia-bank-sandbox.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com