Commonwealth Bank
Commonwealth Bank of Australia (CBA) is Australia's largest bank by market capitalization, a "Big Four" authorised deposit-taking institution (ADI) regulated by APRA and listed on the ASX (CBA), providing retail, business, and institutional banking. CBA serves millions of customers through NetBank online banking, the CommBank mobile app, CommBiz for business, and CommBank Yello loyalty. As a designated data holder under Australia's Consumer Data Right (CDR / Open Banking) regime, CommBank exposes a PUBLIC, unauthenticated Product Reference Data (PRD) API and a full set of consumer-AUTHORIZED CDR Banking endpoints (accounts, balances, transactions, direct debits, scheduled payments, payees, customer) conforming to the DSB Consumer Data Standards CDR Banking API v1.36.0. The bank publishes its own first-party Swagger 2.0 specifications for each of these families on its developer portal, and additionally documents a business API catalogue (Fast Payment / NPP credit transfer initiation, NameCheck, PayTo) and a hosted merchant Payment Gateway.
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 Commonwealth Bank the way a machine reads it — 51 machine-readable artifacts across 25 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 — Commonwealth Bank scores 50.8/100 (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 Commonwealth Bank
Each block below is one kind of artifact we hold for Commonwealth Bank. 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 25
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.
Commonwealth Bank Fast Payment (Credit Transfer Initiation) API
Documented in CommBank's business API catalogue as the Credit Transfer Initiation / Fast Payment API: a near real-time capability that lets a business send money to most Austral...
Commonwealth Bank NameCheck API
Documented in CommBank's business API catalogue: NameCheck is a security tool that helps organisations and their customers avoid false billing scams and mistaken payments by che...
Commonwealth Bank PayTo API
Documented in CommBank's business API catalogue: PayTo is a modern digital payment solution enabling near real-time, account-to-account payments from a customer's bank account o...
CommBank Payment Gateway API
CommBank's merchant Payment Gateway exposes a hosted REST API for online card acceptance, authorisation, capture, refunds, tokenisation, and hosted checkout for eCommerce mercha...
CommBank API Banking for Business
CommBank API Banking provides programmatic banking interfaces for business customers covering payments, account information, reconciliation, and direct integration with ERP and ...
CommBiz
CommBiz is CommBank's business and corporate online banking platform supporting multi-user payments, account management, bulk payments, foreign exchange, file-based banking, tre...
CommBank International Payments
CommBank International Payments provides foreign exchange, international money transfer, travel money cards, and overseas payment services for retail and business customers, inc...
CommBank Merchant Payments
CommBank provides merchant payment acceptance through EFTPOS terminals, eCommerce gateways, BPAY merchant services, Smart mini and Smart Pos terminals, and online card acceptanc...
CommBank Mobile App
The CommBank mobile app is the bank's primary digital channel for personal customers offering account management, transfers, bill payment via BPAY, mobile cheque deposit, PayID,...
NetBank
NetBank is CommBank's web-based online banking platform giving personal customers access to account details, transactions, transfers, BPAY payments, statements, card services, a...
CommBank Yello
CommBank Yello is the bank's customer recognition and rewards program offering eligible customers exclusive cashback offers, partner discounts, fee waivers, and home loan benefi...
Commonwealth Bank Accounts API API
Obtain the list of accounts authorised to be shared by the customer. Account API is a consumer API. To access data you'll need the customer's consent.
Commonwealth Bank Balances API API
Obtain the balance for a single specified account. Balances API is a consumer API. To access data you'll need the customer's consent.
Host URL
Commonwealth Bank Banking Account Balances API
Banking Account Balance endpoints
Commonwealth Bank Banking Account Direct Debits API
Banking Account Direct Debit endpoints
Commonwealth Bank Banking Account Scheduled Payments API
Banking Account Scheduled Payment endpoints
Commonwealth Bank Banking Account Transactions API
Banking Account Transaction endpoints
Commonwealth Bank Banking Accounts API
Banking Account endpoints
Commonwealth Bank Banking Payees API
Banking Payee endpoints
Commonwealth Bank Banking Products API
Banking Product endpoints
Commonwealth Bank Customer API API
Access a customer's basic contact details. The customer may choose to share their personal or organisation details. Customer API is a consumer API. To access data you'll need th...
Commonwealth Bank Payees API API
Obtain a list of pre-registered payees authorised to be shared by the customer. Payees API is a consumer API. To access data you'll need the customer's consent.
Commonwealth Bank Products API API
Get details on available CommBank products including deposit and transaction accounts, credit cards, home loans, personal loans, and offset accounts. Information available throu...
Commonwealth Bank Regular Payments API API
Obtain the Regular Payment details authorised to be shared by the customer. Regular Payments API is a consumer API. To access data you'll need the customer's consent.
Commonwealth Bank Transaction API API
Obtain the list of transactions for a CommBank account and details for each transaction. Transaction API is a consumer API. To access data you'll need the customer's consent. Se...
Scroll within the panel for all 25 ·
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.
commonwealth-bank-mcp.yml
MCP SERVERFeatures 9
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Personal Banking
Everyday accounts, savings, home loans, credit cards, and personal loans.
Business Banking
Business accounts, lending, merchant services, and CommBiz integration.
Open Banking (CDR)
Data holder under Australia's Consumer Data Right with public PRD and consent-driven data sharing.
Mobile Banking
CommBank app with Money Plan budgeting, card controls, and Yello rewards.
Loyalty Recognition
CommBank Yello customer recognition with cashback offers and fee waivers.
Merchant Payments
EFTPOS, eCommerce, and integrated payment acceptance for businesses.
International Payments
FX, SWIFT, and travel money card services for personal and business customers.
API Banking
Programmatic banking interfaces (Fast Payment, NameCheck, PayTo) for business integration.
Real-Time Payments
NPP and PayID instant transfer support across personal and business channels.
Scroll within the panel for all 9 ·
Security Posture 2
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.
Use Cases 6
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
Open Banking Data Sharing
Authorized third parties access consumer banking data via CDR with consumer consent.
Business Reconciliation
Automated reconciliation of accounts and payments via API Banking integrations.
Merchant Acceptance
SME and enterprise card acceptance through CommBank merchant solutions.
Consumer Mobile Banking
Daily banking, transfers, and budgeting through the CommBank app.
Cross-Border Payments
Send and receive international payments for retail and business customers.
Treasury Operations
Corporate treasury automation using CommBiz and API Banking.
Integrations 6
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
NPP Australia
New Payments Platform real-time clearing and settlement integration.
BPAY
BPAY scheme for bill payment and merchant collections.
PayID
PayID alias-based addressing for NPP real-time payments.
SWIFT
SWIFT messaging for cross-border payments and correspondent banking.
CDR Ecosystem
Consumer Data Right data sharing with Accredited Data Recipients.
Mastercard and Visa
Major card scheme acquiring and issuing partnerships.
Resources
Every other property we hold for Commonwealth Bank — 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 4
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 4
The organization behind the API
Other 3
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/commonwealth-bank · machine-readable index on apis.io