Australian Banks
Grouped by Kin Score band and ranked by composite score within each, with the separate agent-readiness score alongside. Click the scores on any row to open the full facet and dimension breakdown behind both numbers, and click again to close it.
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50 providers
Developing 28 39.3 – 54.2 Real signal across most facets with visible, nameable gaps.
1
Westpac Banking Corporation Developing agent aware
Westpac Banking Corporation is Australia's oldest bank and company, founded in 1817 as the Bank of New South Wales, and is one of the country's "Big Four" ba...
Composite
50.4
Agent
22.1
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 50.4/100 · developing
Contract Quality
13.3 / 25
Developer Ergonomics
11.8 / 20
Access Clarity
8.4 / 20
Operational Transparency
3.8 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.7 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
2
Up Developing agent ready
Up is an Australian digital-only neobank founded in 2018 as a collaboration between Melbourne software company Ferocia and Bendigo and Adelaide Bank. Up is n...
Composite
47.5
Agent
48.4
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 47.5/100 · developing
Contract Quality
14.2 / 25
Developer Ergonomics
9.9 / 20
Access Clarity
8.9 / 20
Operational Transparency
3.8 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.8 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Surface
0 / 5
3
St.George Bank Developing agent aware
St.George Bank is one of Australia's largest retail and business banks and a division of Westpac Banking Corporation (ASX:WBC), one of the country's "Big Fou...
Composite
47.3
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 47.3/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
5.8 / 20
Operational Transparency
2.4 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
12.7 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
4
Bank First Developing agent aware
Bank First is an Australian customer-owned mutual bank headquartered in Hawthorn East, Victoria. Founded in 1972 as VTU Credit Union by members of the Victor...
Composite
47.2
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 47.2/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
11.3 / 20
Access Clarity
5.8 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.6 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
5
BankVic Developing agent aware
BankVic is an Australian customer-owned mutual bank and the trading name of Police Financial Services Limited, an authorised deposit-taking institution (ADI)...
Composite
45.5
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 45.5/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
11.3 / 20
Access Clarity
6.3 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.3 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
6
IMB Bank Developing agent ready
IMB Bank (IMB Ltd, ABN 92 087 651 974) is a member-owned Australian mutual bank founded in 1880 as the Illawarra Mutual Building Society in Wollongong, New S...
Composite
45.0
Agent
39.4
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 45.0/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
7.0 / 20
Access Clarity
5.8 / 20
Operational Transparency
3.1 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.6 / 15
Agent readiness — 39/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Surface
0 / 5
7
Suncorp Bank Developing agent ready
Suncorp Bank is an Australian retail and business bank headquartered in Brisbane, Queensland, offering transaction and savings accounts, home and personal le...
Composite
45.0
Agent
36.5
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 45.0/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
5.0 / 20
Operational Transparency
2.4 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.1 / 15
Agent readiness — 37/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Surface
0 / 5
8
Regional Australia Bank Developing agent aware
Regional Australia Bank is a customer-owned (mutual) authorised deposit-taking institution (ADI) headquartered in Armidale and Port Macquarie, New South Wale...
Composite
44.9
Agent
22.1
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 44.9/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
11.8 / 20
Access Clarity
5.5 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
10.6 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
9
Newcastle Permanent Building Society Developing agent ready
Newcastle Permanent Building Society is a customer-owned Australian authorised deposit-taking institution (ADI) founded in 1903 and headquartered in Newcastl...
Composite
44.8
Agent
34.7
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 44.8/100 · developing
Contract Quality
12.9 / 25
Developer Ergonomics
7.0 / 20
Access Clarity
5.8 / 20
Operational Transparency
2.1 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
13.1 / 15
Agent readiness — 35/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Surface
0 / 5
10
Qudos Bank Developing agent aware
Qudos Bank is an Australian customer-owned (mutual) bank that has been 100% customer-owned since 1959, serving members with everyday transaction and savings ...
Composite
44.8
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 44.8/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
9.9 / 20
Access Clarity
5.8 / 20
Operational Transparency
0.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.6 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
11
Australia and New Zealand Banking Group (ANZ) Developing agent aware
Australia and New Zealand Banking Group Limited (ANZ) is one of Australia's "Big Four" banks, a publicly listed company (ASX and NZX code ANZ) headquartered ...
Composite
44.6
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 44.6/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
4.2 / 20
Operational Transparency
3.8 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.8 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
12
Teachers Mutual Bank Developing agent aware
Teachers Mutual Bank is an Australian customer-owned mutual bank and a brand of Teachers Mutual Bank Limited (TMBL), an authorised deposit-taking institution...
Composite
44.5
Agent
24.6
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 44.5/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
11.3 / 20
Access Clarity
4.2 / 20
Operational Transparency
5.1 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
8.0 / 15
Agent readiness — 25/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
13
BCU Bank Developing agent aware
BCU Bank is a customer-owned banking brand operated by Police & Nurses Limited (ABN 69 087 651 876), the mutual bank formed when Bananacoast Community Credit...
Composite
44.3
Agent
21.0
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 44.3/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
7.5 / 20
Access Clarity
5.8 / 20
Operational Transparency
2.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
12.7 / 15
Agent readiness — 21/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
14
Bank of Queensland Developing agent aware
Bank of Queensland Limited (ASX code BOQ) is one of Australia's oldest banks, founded in Brisbane in 1874, and today an APRA-regulated authorised deposit-tak...
Composite
43.8
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 43.8/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
5.8 / 20
Operational Transparency
0.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.6 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
15
Great Southern Bank Developing agent ready
Great Southern Bank is one of Australia's largest customer-owned (mutual) banks, operating as a business name of Credit Union Australia Ltd (ABN 44 087 650 9...
Composite
43.8
Agent
34.7
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 43.8/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
9.4 / 20
Access Clarity
5.8 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 35/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Surface
0 / 5
16
HSBC Bank Australia Developing agent ready
HSBC Bank Australia Limited is the Australian banking subsidiary of the global HSBC Group (HSBC Holdings plc), operating as an Authorised Deposit-taking Inst...
Composite
43.3
Agent
36.5
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 43.3/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
10.6 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.3 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
10.6 / 15
Agent readiness — 37/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Surface
0 / 5
17
AMP Bank Developing agent aware
AMP Bank Limited is the retail and business banking arm of AMP Limited (ASX:AMP), a diversified Australian financial services group operating since 1849 and ...
Composite
42.9
Agent
22.1
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 42.9/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
11.3 / 20
Access Clarity
4.2 / 20
Operational Transparency
2.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.1 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
18
Macquarie Bank Developing agent aware
Macquarie Bank Limited is an Australian authorised deposit-taking institution (ADI) and the retail and business banking arm of Macquarie Group Limited, the A...
Composite
42.7
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 42.7/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
10.4 / 20
Access Clarity
4.2 / 20
Operational Transparency
3.4 / 13
Contract Governance
0.5 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
9.7 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
19
Commonwealth Bank Developing agent ready
Commonwealth Bank of Australia (CBA) is Australia's largest bank by market capitalization, a "Big Four" authorised deposit-taking institution (ADI) regulated...
Composite
42.6
Agent
29.0
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 42.6/100 · developing
Contract Quality
3.2 / 25
Developer Ergonomics
11.8 / 20
Access Clarity
7.1 / 20
Operational Transparency
4.8 / 13
Contract Governance
2.2 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
11.6 / 15
Agent readiness — 29/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
20
Beyond Bank Australia Developing agent aware
Beyond Bank Australia Limited (ABN 15 087 651 143, AFSL/Australian Credit Licence 237856) is one of the country's largest customer-owned (mutual) banks, owne...
Composite
42.0
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 42.0/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
11.8 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.1 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
21
Summerland Bank Developing agent aware
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 fo...
Composite
42.0
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 42.0/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
11.8 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.1 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
22
Bendigo and Adelaide Bank Developing agent ready
Bendigo and Adelaide Bank Limited (ASX:BEN) is one of Australia's largest retail banks, formed by the 2007 merger of the community-focused Bendigo Bank and t...
Composite
41.5
Agent
44.1
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 41.5/100 · developing
Contract Quality
14.2 / 25
Developer Ergonomics
9.6 / 20
Access Clarity
0.0 / 20
Operational Transparency
3.8 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
8.7 / 15
Agent readiness — 44/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Surface
0 / 5
23
Defence Bank Developing agent aware
Defence Bank Limited is an Australian customer-owned (mutual) bank established in 1975 and headquartered in Melbourne, serving current and former Australian ...
Composite
41.4
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 41.4/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
9.9 / 20
Access Clarity
3.7 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.3 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
24
ING Australia Developing agent ready
ING Australia is the retail banking division of ING Bank (Australia) Limited (ABN 24 000 893 292), a wholly owned subsidiary of the Dutch multinational ING G...
Composite
41.3
Agent
33.6
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 41.3/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
9.4 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.1 / 15
Agent readiness — 34/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Surface
0 / 5
25
Alex Bank Developing agent ready
Alex Bank (Alex Bank Pty Ltd, ABN 13 627 244 848) is an Australian digital bank headquartered in Brisbane, founded in 2018 by former Suncorp bankers Simon Be...
Composite
40.9
Agent
36.5
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 40.9/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
7.5 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
10.6 / 15
Agent readiness — 37/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Surface
0 / 5
26
Unity Bank Developing agent aware
Unity Bank Limited (ABN 72 087 650 637, AFSL & Australian Credit Licence 238311, BSB 659 000) is an Australian member-owned mutual bank that consolidated the...
Composite
40.6
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 40.6/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
9.4 / 20
Access Clarity
6.3 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
8.0 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
27
Bank Australia Developing agent aware
Bank Australia is a customer-owned (mutual) bank headquartered in Collingwood, Victoria, tracing its origins to the 1957 CSIRO Co-operative Credit Society an...
Composite
40.1
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 40.1/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
9.4 / 20
Access Clarity
4.2 / 20
Operational Transparency
3.1 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
5.9 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
28
Bank of us Developing agent aware
Bank of us is Tasmania's only customer-owned bank, a mutual authorised deposit-taking institution (ADI) trading as B&E Ltd (brand "BNE LTD") and headquartere...
Composite
39.3
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 39.3/100 · developing
Contract Quality
12.4 / 25
Developer Ergonomics
9.4 / 20
Access Clarity
2.1 / 20
Operational Transparency
2.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.5 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
Thin 21 26.2 – 39.2 Limited machine-readable signal beyond documentation a human can read.
29
Gateway Bank Thin agent ready
Gateway Bank Ltd is a 100% customer-owned Australian mutual bank headquartered in Sydney, New South Wales. Founded in 1955 as Gateway Credit Union and rebran...
Composite
39.2
Agent
32.2
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 39.2/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
6.1 / 20
Access Clarity
3.7 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
10.8 / 15
Agent readiness — 32/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
30
Bankwest Thin agent aware
Bankwest is an Australian retail and business bank headquartered in Perth, Western Australia. Founded in 1895 as the Agricultural Bank of Western Australia a...
Composite
39.1
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 39.1/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
4.2 / 20
Operational Transparency
2.1 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
8.0 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
31
BankSA Thin agent aware
BankSA is a South Australian retail and business banking brand operating as a division of Westpac Banking Corporation (ABN 33 007 457 141, AFSL and Australia...
Composite
38.4
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 38.4/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
7.0 / 20
Access Clarity
2.1 / 20
Operational Transparency
2.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.0 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
32
Rabobank Australia Thin agent aware
Rabobank Australia is the Australian arm of Rabobank Group, the Netherlands-headquartered cooperative bank and one of the world's leading food and agribusine...
Composite
38.4
Agent
22.1
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 38.4/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
8.0 / 20
Access Clarity
3.7 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
8.2 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
33
Auswide Bank Thin agent aware
Auswide Bank Ltd is an Australian authorised deposit-taking institution (ADI) headquartered in Bundaberg, Queensland, offering home loans, savings and transa...
Composite
37.3
Agent
22.1
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 37.3/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
7.0 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.1 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
34
RACQ Bank Thin agent aware
RACQ Bank is the retail banking division of RACQ (The Royal Automobile Club of Queensland), a member-owned mutual organisation and one of Queensland's larges...
Composite
37.3
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 37.3/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
11.3 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
5.9 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
35
Hume Bank Thin agent aware
Hume Bank is a customer-owned (mutual) Australian bank headquartered in Albury, New South Wales. Founded in 1955 as the Hume Co-operative Building & Investme...
Composite
37.2
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 37.2/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
7.6 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
4.7 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
36
Australian Military Bank Thin agent aware
Australian Military Bank Ltd (ABN 48 087 649 741, AFSL/Australian Credit Licence 237988, BSB 642170) is a customer-owned mutual authorised deposit-taking ins...
Composite
36.9
Agent
22.1
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 36.9/100 · thin
Contract Quality
3.1 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
5.8 / 20
Operational Transparency
2.4 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.6 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
37
National Australia Bank Thin agent ready
National Australia Bank (NAB) is one of Australia's "Big Four" banks and a major Authorised Deposit-taking Institution (ADI), headquartered in Melbourne and ...
Composite
36.9
Agent
34.7
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 36.9/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
6.1 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.5 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
10.3 / 15
Agent readiness — 35/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Surface
0 / 5
38
People First Bank Thin agent aware
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 me...
Composite
36.6
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 36.6/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
11.8 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
4.7 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
39
Greater Bank Thin agent aware
Greater Bank is a customer-owned Australian retail bank headquartered in Newcastle, New South Wales, offering everyday transaction and savings accounts, term...
Composite
36.3
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 36.3/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
9.4 / 20
Access Clarity
4.2 / 20
Operational Transparency
2.1 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
4.7 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
40
ubank Thin agent aware
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 ...
Composite
35.3
Agent
22.1
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 35.3/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
7.0 / 20
Access Clarity
2.1 / 20
Operational Transparency
3.1 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
7.2 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
41
P&N Bank Thin agent aware
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 o...
Composite
34.7
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 34.7/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
7.0 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.7 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
5.9 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
42
MyState Bank Thin agent aware
MyState Bank is an Australian retail bank headquartered in Hobart, Tasmania, and the principal banking brand of ASX-listed MyState Limited (ASX:MYS). It trac...
Composite
34.4
Agent
22.1
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 34.4/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
7.0 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
6.3 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
43
Bank of Sydney Thin agent aware
Bank of Sydney Ltd is an Australian authorised deposit-taking institution (ADI) headquartered in Sydney, New South Wales, offering personal and business bank...
Composite
33.9
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 33.9/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
8.5 / 20
Access Clarity
0.0 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
6.9 / 10
Regulatory · Banking & Open Finance
7.6 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
44
G&C Mutual Bank Thin agent aware
G&C Mutual Bank is an Australian customer-owned mutual bank and authorised deposit-taking institution (ADI) providing retail and business banking to its memb...
Composite
32.3
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 32.3/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
5.8 / 20
Access Clarity
1.1 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.5 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
45
Bank of Melbourne Thin agent aware
Bank of Melbourne is a Victorian retail and business banking brand operated by Westpac Banking Corporation (ASX code WBC) as part of the Westpac Group. The o...
Composite
30.6
Agent
21.0
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 30.6/100 · thin
Contract Quality
6.7 / 25
Developer Ergonomics
6.1 / 20
Access Clarity
4.2 / 20
Operational Transparency
2.4 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
7.2 / 15
Agent readiness — 21/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
46
MOVE Bank Thin agent aware
MOVE Bank is a 100% customer-owned Australian mutual bank operated by MoveBank Ltd (ABN 91 087 651 090, AFSL/Australian credit licence 234 536), headquartere...
Composite
30.6
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 30.6/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
6.1 / 20
Access Clarity
0.0 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
7.6 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
47
Judo Bank Thin agent aware
Judo Bank (Judo Capital Holdings Ltd) is an Australian challenger bank founded in 2016 and headquartered in Melbourne, purpose-built to serve small and mediu...
Composite
28.4
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 28.4/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
6.1 / 20
Access Clarity
2.1 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
4.0 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
48
Australian Unity Bank Thin agent aware
Australian Unity Bank Limited is the banking arm of Australian Unity, a member-owned Australian mutual founded in Melbourne in 1840 with origins in the frien...
Composite
27.5
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 27.5/100 · thin
Contract Quality
3.1 / 25
Developer Ergonomics
6.1 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
10.6 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
49
Police Bank Thin agent aware
Police Bank is a mutual, member-owned Australian bank (ABN 95 087 650 799, ACN 087 650 799, AFSL / Australian Credit Licence No. 240018) founded to serve the...
Composite
27.5
Agent
23.9
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 27.5/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
5.1 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
6.5 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5
Emerging 1 11 – 26.1 More than an index entry but still mostly links rather than artifacts.
50
Avenue Bank Emerging agent ready
Avenue Bank Ltd (ABN 24 628 073 085, AFSL 520239) is an Australian Authorised Deposit-taking Institution (ADI) regulated by APRA, holding a full (unrestricte...
Composite
21.8
Agent
29.3
Kin Score
How this is scored →scored 2026-09-03 · rubric v0.18.2
Composite quality — 21.8/100 · emerging
Contract Quality
3.1 / 25
Developer Ergonomics
6.1 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.1 / 15
Agent readiness — 29/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
10 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Surface
0 / 5