Australia and New Zealand Banking Group (ANZ)
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 in Melbourne that provides retail, commercial, and institutional banking across Australia, New Zealand, and internationally. ANZ is not a mutual or customer-owned institution; it is a shareholder-owned Authorised Deposit-taking Institution (ADI) regulated by APRA. As a designated data holder under Australia's Consumer Data Right (CDR / Open Banking), ANZ exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards, and operates a separate CDR brand endpoint for ANZ Plus. Consumer data sharing beyond product reference data is gated behind the CDR accredited-data-recipient (ADR) model using OAuth2 / OpenID Connect FAPI security profiles.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Australia and New Zealand Banking Group (ANZ) the way a machine reads it — 22 machine-readable artifacts across 16 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Australia and New Zealand Banking Group (ANZ) scores 50.4/100 (developing), with a separate agent-readiness read of 65/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Australia and New Zealand Banking Group (ANZ)
Each block below is one kind of artifact we hold for Australia and New Zealand Banking Group (ANZ). For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 16
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Australia and New Zealand Banking Group (ANZ) Payments API
ANZ's first-party Payments API suite on the ANZ Developer Portal, letting business and institutional customers automate and optimise payment workflows across domestic payment ra...
Australia and New Zealand Banking Group (ANZ) PayTo API
ANZ's first-party PayTo API (also available as a file channel) for real-time account-to-account payments and PayTo mandate management over the New Payments Platform (NPP). Docum...
Australia and New Zealand Banking Group (ANZ) PayID Check API
ANZ's first-party PayID Check API to verify that a PayID is registered before initiating a payment or collection, streamlining NPP payment and collection workflows. Documented o...
Australia and New Zealand Banking Group (ANZ) Confirmation of Payee API
ANZ's first-party Confirmation of Payee API matches a recipient's account name against their BSB and account number to reduce mistaken and mistakenly-directed payments and help ...
Australia and New Zealand Banking Group (ANZ) Account Statements API
ANZ's first-party Account Statements API provides real-time and end-of-day account statements so business and institutional customers can monitor transactions and support reconc...
Australia and New Zealand Banking Group (ANZ) Real-Time Notification API
ANZ's first-party Real-Time Notification API delivers instant alerts for transaction and account events so business customers can enhance real-time reconciliation. Documented on...
Australia and New Zealand Banking Group (ANZ) FX API
ANZ's first-party FX (Foreign Exchange) API to automate currency management and optimise foreign-exchange operations for business and institutional customers. Documented on the ...
Australia and New Zealand Banking Group (ANZ) ACMC (Accounts & Cash Management) API
ANZ's first-party ACMC (Accounts & Cash Management) API suite supports client-monies and cash-management use cases for institutional customers, enhancing financial management ac...
Australia and New Zealand Banking Group (ANZ) NPP Agency API
ANZ's first-party NPP Agency API set (Agency Core, Agency PayTo Payer, Agency PayTo Biller, and Agency Confirmation of Payee) provides core payment and account-management capabi...
Australia and New Zealand Banking Group (ANZ) Banking Account Balances API
Banking Account Balance endpoints
Australia and New Zealand Banking Group (ANZ) Banking Account Direct Debits API
Banking Account Direct Debit endpoints
Australia and New Zealand Banking Group (ANZ) Banking Account Scheduled Payments API
Banking Account Scheduled Payment endpoints
Australia and New Zealand Banking Group (ANZ) Banking Account Transactions API
Banking Account Transaction endpoints
Australia and New Zealand Banking Group (ANZ) Banking Accounts API
Banking Account endpoints
Australia and New Zealand Banking Group (ANZ) Banking Payees API
Banking Payee endpoints
Australia and New Zealand Banking Group (ANZ) Banking Products API
Banking Product endpoints
Scroll within the panel for all 16 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
anz-mcp.yml
MCP SERVERSecurity Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Australia and New Zealand Banking Group (ANZ) — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 1
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 5
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/anz · machine-readable index on apis.io