aid: pn-bank url: https://raw.githubusercontent.com/api-evangelist/pn-bank/refs/heads/main/apis.yml name: P&N Bank kind: company description: P&N Bank is the retail banking brand of Police & Nurses Limited (ABN 69 087 651 876, AFSL/Australian Credit Licence 240701), a customer-owned (mutual) bank owned by its members rather than shareholders and one of Western Australia's largest locally based banks, headquartered in Perth. It grew out of the Police & Nurses Credit Society and today sits within the broader P&N Group, which also operates the bcu brand on the New South Wales / Queensland east coast, offering everyday transaction and savings accounts, term deposits, home and personal loans, credit cards, and insurance. As an Authorised Deposit-taking Institution (ADI) it participates in Australia's Consumer Data Right (CDR / Open Banking), exposing a public, unauthenticated Product Reference Data (PRD) API built to the Data Standards Body (DSB) Consumer Data Standards; consumer data sharing beyond product reference data requires accredited data recipient status and the CDR OAuth2/OIDC FAPI 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 - Customer Owned - Product Reference Data created: '2026-07-20' modified: '2026-07-21T17:00:00Z' specificationVersion: '0.19' apis: - aid: pn-bank:pn-bank-cdr-product-reference-data-api name: P&N 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.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/ baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products properties: - url: https://www.pnbank.com.au/help-and-support/open-banking/pn-bank-products-api/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#get-products type: APIReference - url: openapi/pn-bank-cds-banking-products-openapi.yml type: OpenAPI description: Public, unauthenticated Consumer Data Right (CDR) Product Reference Data API exposing P&N Bank's banking product catalogue. GET /banking/products returns a paginated list of products and GET /banking/products/{productId} returns full product detail (rates, fees, features, eligibility, constraints). Confirmed live on 2026-07-20 returning HTTP 200 with a data.products array and an x-v response header of 5 (meta.totalRecords 68 products at time of review). Built to the DSB Consumer Data Standards; no API key or authorization is required for product reference data. - aid: pn-bank:pn-bank-cdr-accounts-balances-api name: P&N 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.pnbank.com.au/help-and-support/open-banking/ baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/accounts properties: - url: https://www.pnbank.com.au/help-and-support/open-banking/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts type: APIReference - url: openapi/pn-bank-cds-banking-products-openapi.yml type: OpenAPI description: Consumer-authorized Consumer Data Right (CDR) Banking API surface covering a member's accounts and balances. Implements the DSB Consumer Data Standards Banking endpoints Get Accounts (GET /banking/accounts), Get Bulk Balances (GET /banking/accounts/balances), Get Account Balance (GET /banking/accounts/{accountId}/balance), and Get Account Detail (GET /banking/accounts/{accountId}). Unlike the public Product Reference Data API, these endpoints return a consumer's own data and are only accessible to an Accredited Data Recipient (ADR) after the customer authorizes sharing through the CDR OAuth2/OIDC FAPI flow over the bank's mutual-TLS (mTLS) gateway; they are not callable with a public/unauthenticated request. Described by the shared DSB CDR Banking API OpenAPI (v1.36.0), not a bank-proprietary specification. - aid: pn-bank:pn-bank-cdr-transactions-api name: P&N 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.pnbank.com.au/help-and-support/open-banking/ baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/accounts properties: - url: https://www.pnbank.com.au/help-and-support/open-banking/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account type: APIReference - url: openapi/pn-bank-cds-banking-products-openapi.yml type: OpenAPI description: Consumer-authorized Consumer Data Right (CDR) Banking API surface for account transactions. Implements the DSB Consumer Data Standards Banking endpoints Get Transactions For Account (GET /banking/accounts/{accountId}/transactions) and Get Transaction Detail (GET /banking/accounts/{accountId}/transactions/{transactionId}), returning a member's transaction history with optional filtering by date, amount, and text. These endpoints expose a consumer's own data and are only accessible to an Accredited Data Recipient (ADR) after the customer authorizes sharing through the CDR OAuth2/OIDC FAPI flow over the bank's mutual-TLS (mTLS) gateway; they are not callable unauthenticated. Described by the shared DSB CDR Banking API OpenAPI (v1.36.0), not a bank-proprietary specification. - aid: pn-bank:pn-bank-cdr-direct-debits-scheduled-payments-api name: P&N 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.pnbank.com.au/help-and-support/open-banking/ baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/accounts properties: - url: https://www.pnbank.com.au/help-and-support/open-banking/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account type: APIReference - url: openapi/pn-bank-cds-banking-products-openapi.yml type: OpenAPI description: Consumer-authorized Consumer Data Right (CDR) Banking API surface for direct debits and scheduled payments. Implements the DSB Consumer Data Standards Banking endpoints Get Direct Debits For Account and Get Bulk Direct Debits (GET /banking/accounts/{accountId}/direct-debits, GET /banking/accounts/direct-debits), plus Get Scheduled Payments For Account and Get Bulk Scheduled Payments (GET /banking/accounts/{accountId}/payments/scheduled, GET /banking/payments/scheduled). These endpoints return a consumer's own recurring debit and scheduled payment arrangements and are only accessible to an Accredited Data Recipient (ADR) after the customer authorizes sharing through the CDR OAuth2/OIDC FAPI flow over the bank's mutual-TLS (mTLS) gateway. Described by the shared DSB CDR Banking API OpenAPI (v1.36.0), not a bank-proprietary specification. - aid: pn-bank:pn-bank-cdr-payees-api name: P&N 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.pnbank.com.au/help-and-support/open-banking/ baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/payees properties: - url: https://www.pnbank.com.au/help-and-support/open-banking/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees type: APIReference - url: openapi/pn-bank-cds-banking-products-openapi.yml type: OpenAPI description: Consumer-authorized Consumer Data Right (CDR) Banking API surface for saved payees. Implements the DSB Consumer Data Standards Banking endpoints Get Payees (GET /banking/payees) and Get Payee Detail (GET /banking/payees/{payeeId}), returning a member's saved payee list and per-payee detail (domestic, international, or BPAY). These endpoints expose a consumer's own data and are only accessible to an Accredited Data Recipient (ADR) after the customer authorizes sharing through the CDR OAuth2/OIDC FAPI flow over the bank's mutual-TLS (mTLS) gateway; they are not callable unauthenticated. Described by the shared DSB CDR Banking API OpenAPI (v1.36.0), not a bank-proprietary specification. - aid: pn-bank:pn-bank-cdr-common-discovery-api name: P&N Bank CDR Common Discovery API tags: - CDR - Open Banking - Discovery - Status - Banking - Australia image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.pnbank.com.au/help-and-support/open-banking/ baseURL: https://public.cdr-api.pnbank.com.au/cds-au/v1/discovery properties: - url: https://www.pnbank.com.au/help-and-support/open-banking/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#get-status type: APIReference - url: https://public.cdr-api.pnbank.com.au/cds-au/v1/discovery/status type: StatusPage - url: openapi/pn-bank-cds-banking-products-openapi.yml type: OpenAPI description: Public, unauthenticated Consumer Data Right (CDR) Common Discovery API surface exposing P&N Bank's data-holder operational status. GET /discovery/status returns the data holder's current availability (data.status OK/PARTIAL_FAILURE/UNAVAILABLE with an updateTime) and GET /discovery/outages returns scheduled and current outages. Confirmed live on 2026-07-21 returning HTTP 200 with x-v:1; status was OK and the outages list was empty. Built to the DSB Consumer Data Standards; like Product Reference Data these endpoints require no API key or authorization and are the machine-readable status feed the CDR ecosystem uses to check a data holder. common: - type: StatusPage url: https://public.cdr-api.pnbank.com.au/cds-au/v1/discovery/status - type: VulnerabilityDisclosure url: security/pn-bank-vulnerability-disclosure.yml - type: DomainSecurity url: security/pn-bank-domain-security.yml - type: AgenticAccess url: agentic-access/pn-bank-agentic-access.yml - type: Security url: https://www.pnbank.com.au/.well-known/security.txt - type: SecurityTxt url: well-known/pn-bank-security.txt - type: WellKnown url: well-known/pn-bank-well-known.yml - type: Authentication url: authentication/pn-bank-authentication.yml - type: Conventions url: conventions/pn-bank-conventions.yml - type: ErrorCatalog url: errors/pn-bank-problem-types.yml - type: Conformance url: conformance/pn-bank-conformance.yml - type: Lifecycle url: lifecycle/pn-bank-lifecycle.yml - type: DataModel url: data-model/pn-bank-data-model.yml - type: MCPServer url: mcp/pn-bank-mcp.yml - type: Overlay url: overlays/pn-bank-cds-banking-products-overlay.yaml - type: LLMsTxt url: llms/pn-bank-llms.txt - type: AgentSkill url: skills/pn-bank-get-products.md - type: Website url: https://www.pnbank.com.au/ - type: Documentation url: https://www.pnbank.com.au/help-and-support/open-banking/ - type: PrivacyPolicy url: https://www.pnbank.com.au/important-information/privacy/ - type: TermsOfService url: https://www.pnbank.com.au/important-information/terms-and-conditions/ - type: Support url: https://www.pnbank.com.au/contact/ - type: LinkedIn url: https://www.linkedin.com/company/p&n-bank maintainers: - FN: Kin Lane email: kin@apievangelist.com