aid: people-first-bank
url: https://raw.githubusercontent.com/api-evangelist/people-first-bank/refs/heads/main/apis.yml
name: People First Bank
kind: company
description: People First Bank is an Australian customer-owned mutual bank, trading name
  of Heritage and People's Choice Ltd (ABN 11 087 651 125), formed from the 2023 merger
  of Heritage Bank and People's Choice Credit Union and carrying more than 150 years of
  combined mutual heritage. As a B Corp certified, member-owned authorised deposit-taking
  institution (ADI), it offers everyday transaction and savings accounts, home, personal
  and car loans, and insurance across digital channels and a national branch network.
  Under Australia's Consumer Data Right (CDR / open banking), the bank exposes a public,
  unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body
  Consumer Data Standards; consumer data sharing beyond PRD runs through the accredited
  data recipient model secured with OAuth2/OIDC (FAPI) rather than a general-purpose
  public developer platform.
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: people-first-bank:people-first-bank-cdr-product-reference-data-api
  name: People First Bank CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  baseURL: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products
  properties:
  - url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
    type: APIReference
  - url: openapi/people-first-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Public, unauthenticated Consumer Data Right (CDR) Product Reference Data
    API exposing the bank's banking product catalogue. Confirmed live at
    https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products (HTTP 200,
    x-v 5) returning a data.products array, with a Get Product Detail endpoint at
    /banking/products/{productId}. The bank's open-banking-for-developers page documents
    exactly these two public endpoints. Conforms to the Data Standards Body Consumer Data
    Standards Get Products / Get Product Detail specification; no bank-proprietary OpenAPI
    is published, so the shared DSB CDS Banking contract (v1.36.0) is harvested here.
- aid: people-first-bank:people-first-bank-cdr-accounts-balances-api
  name: People First Bank CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Accounts
  - Balances
  - Banking
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  baseURL: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
    type: APIReference
  - url: openapi/people-first-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-AUTHORIZED Consumer Data Right (CDR) Accounts and Balances surface,
    reached through the accredited data recipient (ADR) model and secured with OAuth2/OIDC
    (FAPI). Covers Get Accounts (/banking/accounts), Get Bulk Balances
    (/banking/accounts/balances), Get Balances For Specific Accounts, Get Account Balance
    (/banking/accounts/{accountId}/balance) and Get Account Detail
    (/banking/accounts/{accountId}). The endpoint is live and gated — an unauthenticated
    GET to /banking/accounts returns HTTP 403 — confirming the bank implements the
    standardized authorized surface. Contract is the shared DSB CDS Banking API v1.36.0;
    People First Bank publishes no bank-proprietary OpenAPI, and ADRs must be accredited
    to obtain a consumer authorization.
- aid: people-first-bank:people-first-bank-cdr-transactions-api
  name: People First Bank CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Transactions
  - Banking
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  baseURL: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
    type: APIReference
  - url: openapi/people-first-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-AUTHORIZED Consumer Data Right (CDR) Transactions surface, reached
    through the accredited data recipient (ADR) model and secured with OAuth2/OIDC (FAPI).
    Covers Get Transactions For Account
    (/banking/accounts/{accountId}/transactions) and Get Transaction Detail
    (/banking/accounts/{accountId}/transactions/{transactionId}), returning transaction
    history for a consumer-consented account. These endpoints require a valid consumer
    authorization and accredited-ADR credentials, so they are not publicly callable. The
    contract is the shared Data Standards Body CDS Banking API v1.36.0; the bank publishes
    no proprietary OpenAPI for this surface.
- aid: people-first-bank:people-first-bank-cdr-direct-debits-scheduled-payments-api
  name: People First Bank CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Banking
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  baseURL: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking
  properties:
  - url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
    type: APIReference
  - url: openapi/people-first-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-AUTHORIZED Consumer Data Right (CDR) Direct Debits and Scheduled
    Payments surface, reached through the accredited data recipient (ADR) model and secured
    with OAuth2/OIDC (FAPI). Covers Get Direct Debits For Account, Get Bulk Direct Debits
    (/banking/accounts/direct-debits), Get Direct Debits For Specific Accounts, Get
    Scheduled Payments For Account, Get Bulk Scheduled Payments
    (/banking/payments/scheduled) and Get Scheduled Payments For Specific Accounts. All
    require a consumer authorization and accredited-ADR credentials and are not publicly
    callable. The contract is the shared Data Standards Body CDS Banking API v1.36.0; no
    bank-proprietary OpenAPI is published.
- aid: people-first-bank:people-first-bank-cdr-payees-api
  name: People First Bank CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Payees
  - Banking
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
  baseURL: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/payees
  properties:
  - url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
    type: APIReference
  - url: openapi/people-first-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-AUTHORIZED Consumer Data Right (CDR) Payees surface, reached through
    the accredited data recipient (ADR) model and secured with OAuth2/OIDC (FAPI). Covers
    Get Payees (/banking/payees) and Get Payee Detail (/banking/payees/{payeeId}),
    returning a consumer's saved payees for a consented account. These endpoints require a
    valid consumer authorization and accredited-ADR credentials, so they are not publicly
    callable. The contract is the shared Data Standards Body CDS Banking API v1.36.0; the
    bank publishes no proprietary OpenAPI for this surface.
common:
- type: DomainSecurity
  url: security/people-first-bank-domain-security.yml
- type: Authentication
  url: authentication/people-first-bank-authentication.yml
- type: AgenticAccess
  url: agentic-access/people-first-bank-agentic-access.yml
- type: ErrorCatalog
  url: errors/people-first-bank-problem-types.yml
- type: Conventions
  url: conventions/people-first-bank-conventions.yml
- type: Conformance
  url: conformance/people-first-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/people-first-bank-lifecycle.yml
- type: MCPServer
  url: mcp/people-first-bank-mcp.yml
- type: LLMsTxt
  url: llms/people-first-bank-llms.txt
- type: Overlay
  url: overlays/people-first-bank-cds-banking-products-overlay.yaml
- type: DataModel
  url: data-model/people-first-bank-data-model.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://www.peoplefirstbank.com.au/
- type: DeveloperPortal
  url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
- type: Documentation
  url: https://www.peoplefirstbank.com.au/help-and-support/open-banking
- type: GettingStarted
  url: https://www.peoplefirstbank.com.au/help-and-support/open-banking/open-banking-for-developers
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
- type: LinkedIn
  url: https://www.linkedin.com/company/people-first-bank
- type: Blog
  url: https://www.peoplefirstbank.com.au/help-and-support/blog
- type: PrivacyPolicy
  url: https://www.peoplefirstbank.com.au/privacy
- type: TermsOfService
  url: https://www.peoplefirstbank.com.au/disclaimer
- type: Support
  url: https://www.peoplefirstbank.com.au/help-and-support/contact-us
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com