aid: ubank
url: https://raw.githubusercontent.com/api-evangelist/ubank/refs/heads/main/apis.yml
name: ubank
kind: company
description: ubank is an Australian digital-only bank offering savings accounts and
  home loans online and over the phone. Launched in 2008 as the online banking brand
  of National Australia Bank (NAB), ubank operates under NAB's authorised deposit-taking
  institution (ADI) licence and is registered in the Consumer Data Right (CDR) ecosystem
  as the "UBank" data holder brand under NAB (ABN 12 004 044 937). After NAB acquired
  neobank 86 400 in 2021, its customers and technology were migrated onto the 86 400
  platform, which is why ubank's public CDR API surface is hosted at public.cdr-api.86400.com.au.
  As a CDR data holder, ubank exposes a public, unauthenticated Product Reference Data
  (PRD) API conforming to the Consumer Data Standards, while authenticated consumer
  banking data is shared only with accredited data recipients under the CDR's OAuth2/OIDC
  (FAPI) authorization model.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial
- Banks
- Banking
- Open Banking
- CDR
- Consumer Data Right
- Product Reference Data
- Digital Bank
- Consumer Banking
- Australia
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: ubank:ubank-cdr-product-reference-data-api
  name: ubank CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking
  - Products
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1
  properties:
  - url: https://www.ubank.com.au/cdr/apis
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
    type: APIReference
  - url: openapi/ubank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Public, unauthenticated Consumer Data Right (CDR) Product Reference
    Data endpoint (GET /banking/products) returning ubank's openly available banking
    products - savings accounts and residential mortgages - with pricing, fees, and
    eligibility, conforming to the DSB Consumer Data Standards. Confirmed live returning
    HTTP 200 with an x-v response header on version 5.
- aid: ubank:ubank-cdr-product-detail-api
  name: ubank CDR Banking Product Detail API
  tags:
  - CDR
  - Open Banking
  - Product Detail
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1
  properties:
  - url: https://www.ubank.com.au/cdr/apis
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-product-detail
    type: APIReference
  - url: openapi/ubank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Public, unauthenticated CDR endpoint (GET /banking/products/{productId})
    returning the full detail for a single ubank banking product - rates, fees, features,
    eligibility, constraints, and terms - conforming to the DSB Consumer Data Standards
    Get Product Detail contract.
- aid: ubank:ubank-cdr-accounts-balances-api
  name: ubank CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Accounts
  - Balances
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.ubank.com.au/cdr/apis
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
    type: APIReference
  - url: openapi/ubank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-AUTHORIZED Consumer Data Right (CDR) banking endpoints for a
    customer's accounts and balances (Get Accounts, Get Bulk Balances, Get Account
    Balance, Get Account Detail), conforming to the DSB Consumer Data Standards CDR
    Banking API. Unlike the public Product Reference Data surface, these endpoints
    require an active consent and are accessed only by an Accredited Data Recipient
    (ADR) on the customer's behalf via the CDR OAuth2/OIDC (FAPI) authorization model
    over the mutual-TLS data-holder host; they are not open/unauthenticated.
- aid: ubank:ubank-cdr-transactions-api
  name: ubank CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Transactions
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1/banking/accounts
  properties:
  - url: https://www.ubank.com.au/cdr/apis
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
    type: APIReference
  - url: openapi/ubank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-AUTHORIZED Consumer Data Right (CDR) banking endpoints returning
    a customer's account transactions (Get Transactions For Account, Get Transaction
    Detail), conforming to the DSB Consumer Data Standards CDR Banking API. These
    endpoints require an active CDR consent and are called by an Accredited Data
    Recipient (ADR) under the CDR OAuth2/OIDC (FAPI) authorization model over the
    mutual-TLS data-holder host - they are not publicly accessible without
    authorization.
- aid: ubank:ubank-cdr-direct-debits-scheduled-payments-api
  name: ubank CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1/banking
  properties:
  - url: https://www.ubank.com.au/cdr/apis
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
    type: APIReference
  - url: openapi/ubank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-AUTHORIZED Consumer Data Right (CDR) banking endpoints exposing
    a customer's authorized direct debits and scheduled/recurring payments (Get
    Direct Debits For Account, Get Bulk Direct Debits, Get Scheduled Payments For
    Account, Get Bulk Scheduled Payments), conforming to the DSB Consumer Data
    Standards CDR Banking API. Access requires an active CDR consent and is mediated
    by an Accredited Data Recipient (ADR) under the CDR OAuth2/OIDC (FAPI)
    authorization model over the mutual-TLS data-holder host.
- aid: ubank:ubank-cdr-payees-api
  name: ubank CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Payees
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.ubank.com.au/cdr/apis
  baseURL: https://public.cdr-api.86400.com.au/cds-au/v1/banking/payees
  properties:
  - url: https://www.ubank.com.au/cdr/apis
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
    type: APIReference
  - url: openapi/ubank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-AUTHORIZED Consumer Data Right (CDR) banking endpoints returning
    a customer's saved payees (Get Payees, Get Payee Detail), conforming to the DSB
    Consumer Data Standards CDR Banking API. These endpoints require an active CDR
    consent and are accessed by an Accredited Data Recipient (ADR) on the customer's
    behalf under the CDR OAuth2/OIDC (FAPI) authorization model over the mutual-TLS
    data-holder host - they are not open or unauthenticated.
common:
- type: DomainSecurity
  url: security/ubank-domain-security.yml
- type: Authentication
  url: authentication/ubank-authentication.yml
- type: OAuthScopes
  url: scopes/ubank-scopes.yml
- type: Conventions
  url: conventions/ubank-conventions.yml
- type: ErrorCatalog
  url: errors/ubank-error-codes.yml
- type: Lifecycle
  url: lifecycle/ubank-lifecycle.yml
- type: StatusPage
  url: https://status.ubank.com.au/
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Conformance
  url: conformance/ubank-conformance.yml
- type: DataModel
  url: data-model/ubank-data-model.yml
- type: Overlay
  url: overlays/ubank-cds-banking-products-overlay.yaml
- type: MCPServer
  url: mcp/ubank-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/ubank-llms.txt
- type: Website
  url: https://www.ubank.com.au/
- type: Documentation
  url: https://www.ubank.com.au/cdr/apis
- type: Support
  url: https://www.ubank.com.au/help
- type: PrivacyPolicy
  url: https://www.ubank.com.au/privacy
- type: LinkedIn
  url: https://www.linkedin.com/company/ubank
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com