aid: summerland-bank url: https://raw.githubusercontent.com/api-evangelist/summerland-bank/refs/heads/main/apis.yml name: Summerland Bank kind: company description: >- Summerland Bank is a customer-owned (mutual) bank based in Lismore in the Northern Rivers region of New South Wales, Australia, tracing its origins to the former Summerland Credit Union (Summerland Financial Services Limited, ABN 21 087 650 360, AFSL and Australian Credit Licence 241167) and rebranded as Summerland Bank in 2023. As an APRA-regulated authorised deposit-taking institution (ADI) and certified B Corporation, it is owned by its customers rather than shareholders and has announced plans to merge with fellow customer-owned Regional Australia Bank. Under Australia's Consumer Data Right (CDR / Open Banking), Summerland Bank operates as a data holder: it exposes a live, public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards, and offers accredited-recipient consumer data sharing to eligible customers through its app and internet banking under the ACCC/OAIC-governed CDR regime. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Financial - Banks - Open Banking - CDR - Consumer Data Right - Consumer Banking - Australia - Mutual Bank created: '2026-07-20' modified: '2026-07-21' specificationVersion: '0.19' apis: - aid: summerland-bank:summerland-bank-cdr-product-reference-data-api name: Summerland Bank CDR Product Reference Data API tags: - CDR - Open Banking - Product Reference Data - Banking - Public image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.summerland.com.au/services/digital-and-payments/open-banking/ baseURL: https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products properties: - url: https://www.summerland.com.au/services/digital-and-payments/open-banking/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products type: APIReference - url: openapi/summerland-bank-cds-banking-products-openapi.yml type: OpenAPI description: >- Public, unauthenticated Product Reference Data (PRD) endpoints under the Consumer Data Right. Serves GET /banking/products and GET /banking/products/{productId} at the CDS public base https://public.cdr-api.summerland.com.au/cds-au/v1, returning machine-readable product, fee, rate, and eligibility data. Re-confirmed live on 2026-07-21: an unauthenticated GET with the mandatory CDS `x-v: 5` header returned HTTP 200 with a data.products array of products across seven categories (transaction and savings accounts, term deposits, residential mortgages, personal loans, business loans, overdrafts, and credit/charge cards). The contract is the shared DSB Consumer Data Standards Banking OpenAPI (OpenAPI 3.0.3, "CDR Banking API" v1.36.0), not a bank-proprietary specification. - aid: summerland-bank:summerland-bank-cdr-accounts-balances-api name: Summerland Bank CDR Accounts & Balances API tags: - CDR - Open Banking - Banking - Accounts - Balances - Consumer Authorized image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.summerland.com.au/services/digital-and-payments/open-banking/ baseURL: https://public.cdr-api.summerland.com.au/cds-au/v1/banking/accounts properties: - url: https://www.summerland.com.au/services/digital-and-payments/open-banking/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts type: APIReference - url: openapi/summerland-bank-cds-banking-products-openapi.yml type: OpenAPI description: >- Consumer-authorized CDR banking endpoints for account listing and balances, part of the DSB Consumer Data Standards Banking API that Summerland Bank is required to implement as a CDR data holder. Covers GET /banking/accounts (Get Accounts), POST /banking/accounts/balances (Get Bulk Balances), GET /banking/accounts/{accountId}/balance (Get Account Balance) and GET /banking/accounts/{accountId} (Get Account Detail). Unlike the public PRD surface, these endpoints are NOT publicly accessible: they are served on the bank's authenticated CDR Resource Base URI (issued to accredited data recipients via the CDR Register) and require an OAuth2/FAPI consumer authorization consent under the ACCC/OAIC-governed ADR model. Contract is the shared DSB "CDR Banking API" v1.36.0 OpenAPI, not bank-proprietary. - aid: summerland-bank:summerland-bank-cdr-transactions-api name: Summerland Bank CDR Transactions API tags: - CDR - Open Banking - Banking - Transactions - Consumer Authorized image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.summerland.com.au/services/digital-and-payments/open-banking/ baseURL: https://public.cdr-api.summerland.com.au/cds-au/v1/banking/accounts/{accountId}/transactions properties: - url: https://www.summerland.com.au/services/digital-and-payments/open-banking/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account type: APIReference - url: openapi/summerland-bank-cds-banking-products-openapi.yml type: OpenAPI description: >- Consumer-authorized CDR banking endpoints for account transactions, part of the DSB Consumer Data Standards Banking API implemented by Summerland Bank as a CDR data holder. Covers GET /banking/accounts/{accountId}/transactions (Get Transactions For Account, with amount/date/text filters) and GET /banking/accounts/{accountId}/transactions/{transactionId} (Get Transaction Detail). These endpoints are not publicly accessible; they are served on the bank's authenticated CDR Resource Base URI (register-discovered) and require an OAuth2/FAPI consumer authorization consent under the ACCC/OAIC-governed ADR model. Contract is the shared DSB "CDR Banking API" v1.36.0 OpenAPI, not bank-proprietary. - aid: summerland-bank:summerland-bank-cdr-direct-debits-scheduled-payments-api name: Summerland Bank CDR Direct Debits & Scheduled Payments API tags: - CDR - Open Banking - Banking - Direct Debits - Scheduled Payments - Consumer Authorized image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.summerland.com.au/services/digital-and-payments/open-banking/ baseURL: https://public.cdr-api.summerland.com.au/cds-au/v1/banking/accounts/direct-debits properties: - url: https://www.summerland.com.au/services/digital-and-payments/open-banking/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account type: APIReference - url: openapi/summerland-bank-cds-banking-products-openapi.yml type: OpenAPI description: >- Consumer-authorized CDR banking endpoints for direct debits and scheduled payments, part of the DSB Consumer Data Standards Banking API implemented by Summerland Bank as a CDR data holder. Covers GET /banking/accounts/{accountId}/direct-debits and POST /banking/accounts/direct-debits (Get Direct Debits), plus GET /banking/accounts/{accountId}/payments/scheduled, GET /banking/payments/scheduled and POST /banking/payments/scheduled (Get Scheduled Payments). These endpoints are not publicly accessible; they are served on the bank's authenticated CDR Resource Base URI (register-discovered) and require an OAuth2/FAPI consumer authorization consent under the ACCC/OAIC-governed ADR model. Contract is the shared DSB "CDR Banking API" v1.36.0 OpenAPI, not bank-proprietary. - aid: summerland-bank:summerland-bank-cdr-payees-api name: Summerland Bank CDR Payees API tags: - CDR - Open Banking - Banking - Payees - Consumer Authorized image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.summerland.com.au/services/digital-and-payments/open-banking/ baseURL: https://public.cdr-api.summerland.com.au/cds-au/v1/banking/payees properties: - url: https://www.summerland.com.au/services/digital-and-payments/open-banking/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees type: APIReference - url: openapi/summerland-bank-cds-banking-products-openapi.yml type: OpenAPI description: >- Consumer-authorized CDR banking endpoints for saved payees, part of the DSB Consumer Data Standards Banking API implemented by Summerland Bank as a CDR data holder. Covers GET /banking/payees (Get Payees) and GET /banking/payees/{payeeId} (Get Payee Detail), returning the consumer's saved domestic, international, and BPAY payee records. These endpoints are not publicly accessible; they are served on the bank's authenticated CDR Resource Base URI (register-discovered) and require an OAuth2/FAPI consumer authorization consent under the ACCC/OAIC-governed ADR model. Contract is the shared DSB "CDR Banking API" v1.36.0 OpenAPI, not bank-proprietary. common: - type: AgenticAccess url: agentic-access/summerland-bank-agentic-access.yml - type: DomainSecurity url: security/summerland-bank-domain-security.yml - type: Website url: https://www.summerland.com.au/ - type: DeveloperPortal url: https://www.summerland.com.au/services/digital-and-payments/open-banking/ - type: Documentation url: https://www.summerland.com.au/services/digital-and-payments/open-banking/ - type: LinkedIn url: https://www.linkedin.com/company/summerlandbank - type: Blog url: https://www.summerland.com.au/about-us/news-insights/ - type: PrivacyPolicy url: https://www.summerland.com.au/privacy-policy/ - type: TermsOfService url: https://www.summerland.com.au/legal-and-disclosure-documents/ - type: Support url: https://www.summerland.com.au/contact-us/ - type: GettingStarted url: https://www.summerland.com.au/services/digital-and-payments/open-banking/ - type: Authentication url: authentication/summerland-bank-authentication.yml - type: OAuthScopes url: scopes/summerland-bank-scopes.yml - type: Conventions url: conventions/summerland-bank-conventions.yml - type: ErrorCatalog url: errors/summerland-bank-problem-types.yml - type: Lifecycle url: lifecycle/summerland-bank-lifecycle.yml - type: Deprecation url: https://consumerdatastandardsaustralia.github.io/standards/#versioning - type: Conformance url: conformance/summerland-bank-conformance.yml - type: DataModel url: data-model/summerland-bank-data-model.yml - type: MCPServer url: mcp/summerland-bank-mcp.yml - type: Overlay url: overlays/summerland-bank-cds-banking-products-overlay.yaml - type: LLMsTxt url: llms/summerland-bank-llms.txt - type: AgentSkill url: skills/summerland-bank-product-reference-data.md maintainers: - FN: Kin Lane email: kin@apievangelist.com