aid: qudos-bank url: https://raw.githubusercontent.com/api-evangelist/qudos-bank/refs/heads/main/apis.yml name: Qudos Bank kind: company description: Qudos Bank is an Australian customer-owned (mutual) bank that has been 100% customer-owned since 1959, serving members with everyday transaction and savings accounts, term deposits, credit cards, home and personal loans, and offset accounts. Following its 2025 merger it now operates as a division of Bank Australia Limited (ABN 21 087 651 607, trading as Qudos Bank), one of the largest customer-owned banks in the country. As an Australian authorised deposit-taking institution and a designated data holder under the Consumer Data Right (CDR / Open Banking), Qudos Bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body Consumer Data Standards, and supports authenticated CDR consumer data sharing with accredited data recipients under the ACCC / FAPI security profile. 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 - Mutual Bank - Product Reference Data created: '2026-07-20' modified: '2026-07-21' specificationVersion: '0.19' apis: - aid: qudos-bank:qudos-bank-cdr-product-reference-data-api name: Qudos Bank CDR Product Reference Data API tags: - CDR - Open Banking - Product Reference Data - Banking Products - Public API image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.qudosbank.com.au/support/open-banking baseURL: https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products properties: - url: https://www.qudosbank.com.au/support/open-banking type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/ type: APIReference - url: openapi/qudos-bank-cds-banking-products-openapi.yml type: OpenAPI description: Public, unauthenticated Product Reference Data (PRD) API required of every Australian ADI under the Consumer Data Right. Returns Qudos Bank's openly available banking products (transaction and savings accounts, term deposits, credit cards, home and personal loans) with rates, fees, eligibility, and features. Confirmed live returning HTTP 200 JSON with an x-v response header (17 products, 4 pages) at the CDS-standard path GET /cds-au/v1/banking/products and /cds-au/v1/banking/products/{productId}. - aid: qudos-bank:qudos-bank-cdr-accounts-balances-api name: Qudos Bank CDR Accounts & Balances API tags: - CDR - Open Banking - Accounts - Balances - Consumer Data - Authorized API image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.qudosbank.com.au/support/open-banking baseURL: https://public.cdr.qudosbank.com.au/cds-au/v1/banking/accounts properties: - url: https://www.qudosbank.com.au/support/open-banking type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/ type: APIReference - url: openapi/qudos-bank-cds-banking-products-openapi.yml type: OpenAPI description: Consumer-authorized Consumer Data Right banking accounts surface that every Australian ADI implements to the Data Standards Body Consumer Data Standards. Covers Get Accounts (GET /cds-au/v1/banking/accounts), Get Account Detail (/banking/accounts/{accountId}), Get Bulk Balances (/banking/accounts/balances) and Get Account Balance (/banking/accounts/{accountId}/balance). Unlike the public Product Reference Data API, these endpoints return a member's own account data and are NOT publicly callable; access requires an ACCC-accredited data recipient (ADR) acting on the customer's authorization under the CDR security profile (OAuth2 / OIDC FAPI 1.0 Advanced with mutual TLS and PKCE). - aid: qudos-bank:qudos-bank-cdr-transactions-api name: Qudos Bank CDR Transactions API tags: - CDR - Open Banking - Transactions - Consumer Data - Authorized API image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.qudosbank.com.au/support/open-banking baseURL: 'https://public.cdr.qudosbank.com.au/cds-au/v1/banking/accounts/{accountId}/transactions' properties: - url: https://www.qudosbank.com.au/support/open-banking type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/ type: APIReference - url: openapi/qudos-bank-cds-banking-products-openapi.yml type: OpenAPI description: Consumer-authorized Consumer Data Right transactions surface implemented by every Australian ADI to the Data Standards Body Consumer Data Standards. Covers Get Transactions For Account (GET /cds-au/v1/banking/accounts/{accountId}/transactions) and Get Transaction Detail (/banking/accounts/{accountId}/transactions/{transactionId}), returning a member's own transaction history with amounts, descriptions, and reference data. These endpoints require an ACCC-accredited data recipient acting on the customer's authorization under the CDR security profile (OAuth2 / OIDC FAPI 1.0 Advanced, mutual TLS, PKCE) and are not publicly callable. - aid: qudos-bank:qudos-bank-cdr-direct-debits-scheduled-payments-api name: Qudos Bank CDR Direct Debits & Scheduled Payments API tags: - CDR - Open Banking - Direct Debits - Scheduled Payments - Consumer Data - Authorized API image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.qudosbank.com.au/support/open-banking baseURL: https://public.cdr.qudosbank.com.au/cds-au/v1/banking/accounts/direct-debits properties: - url: https://www.qudosbank.com.au/support/open-banking type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/ type: APIReference - url: openapi/qudos-bank-cds-banking-products-openapi.yml type: OpenAPI description: Consumer-authorized Consumer Data Right direct debits and scheduled payments surface implemented by every Australian ADI to the Data Standards Body Consumer Data Standards. Covers Get Direct Debits For Account and Get Bulk Direct Debits (/banking/accounts/{accountId}/direct-debits, /banking/accounts/direct-debits) plus Get Scheduled Payments For Account and Get Bulk Scheduled Payments (/banking/accounts/{accountId}/payments/scheduled, /banking/payments/scheduled). These endpoints return a member's own recurring-payment arrangements and require an ACCC-accredited data recipient acting on the customer's authorization under the CDR security profile (OAuth2 / OIDC FAPI 1.0 Advanced, mutual TLS, PKCE); they are not publicly callable. - aid: qudos-bank:qudos-bank-cdr-payees-api name: Qudos Bank CDR Payees API tags: - CDR - Open Banking - Payees - Consumer Data - Authorized API image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.qudosbank.com.au/support/open-banking baseURL: https://public.cdr.qudosbank.com.au/cds-au/v1/banking/payees properties: - url: https://www.qudosbank.com.au/support/open-banking type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/ type: APIReference - url: openapi/qudos-bank-cds-banking-products-openapi.yml type: OpenAPI description: Consumer-authorized Consumer Data Right payees surface implemented by every Australian ADI to the Data Standards Body Consumer Data Standards. Covers Get Payees (GET /cds-au/v1/banking/payees) and Get Payee Detail (/banking/payees/{payeeId}), returning a member's own saved payees and their account/BSB or PayID details. These endpoints require an ACCC-accredited data recipient acting on the customer's authorization under the CDR security profile (OAuth2 / OIDC FAPI 1.0 Advanced, mutual TLS, PKCE) and are not publicly callable. common: - type: AgenticAccess url: agentic-access/qudos-bank-agentic-access.yml - type: DomainSecurity url: security/qudos-bank-domain-security.yml - type: Authentication url: authentication/qudos-bank-authentication.yml - type: OAuthScopes url: scopes/qudos-bank-scopes.yml - type: Conventions url: conventions/qudos-bank-conventions.yml - type: ErrorCatalog url: errors/qudos-bank-problem-types.yml - type: Lifecycle url: lifecycle/qudos-bank-lifecycle.yml - type: Conformance url: conformance/qudos-bank-conformance.yml - type: Compliance url: https://www.qudosbank.com.au/support/open-banking - type: DataModel url: data-model/qudos-bank-data-model.yml - type: MCPServer url: mcp/qudos-bank-mcp.yml - type: LLMsTxt url: llms/qudos-bank-llms.txt - type: Overlay url: overlays/qudos-bank-cds-banking-products-overlay.yaml - type: AgentSkill url: skills/qudos-bank-list-products.md - type: AgentSkill url: skills/qudos-bank-get-product-detail.md - type: Website url: https://www.qudosbank.com.au/ - type: Documentation url: https://www.qudosbank.com.au/support/open-banking - type: APIReference url: https://consumerdatastandardsaustralia.github.io/standards/ - type: GettingStarted url: https://www.qudosbank.com.au/support/open-banking - type: Blog url: https://www.qudosbank.com.au/news-tools-tips/news-blog - type: TermsOfService url: https://www.qudosbank.com.au/support/legal - type: PrivacyPolicy url: https://www.qudosbank.com.au/support/legal/privacy - type: Support url: https://www.qudosbank.com.au/contact-us - type: LinkedIn url: https://www.linkedin.com/company/qudos-bank maintainers: - FN: Kin Lane email: kin@apievangelist.com