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HSBC Bank Australia website screenshot

HSBC Bank Australia

HSBC Bank Australia Limited is the Australian banking subsidiary of the global HSBC Group (HSBC Holdings plc), operating as an Authorised Deposit-taking Institution (ADI) regulated by APRA and ASIC. It is a wholly owned, shareholder-owned bank (not a customer-owned mutual) offering home loans, everyday and savings accounts, credit cards, term deposits, and business and international banking across Australia. As a designated data holder under Australia's Consumer Data Right (CDR / Open Banking), HSBC Australia exposes a public, unauthenticated Product Reference Data (PRD) API plus the full authenticated CDR Banking surface - accounts, balances, transactions, direct debits, scheduled payments, and payees - conforming to the DSB Consumer Data Standards CDR Banking API (v1.36.0). The public product endpoints are on https://public.ob.hsbc.com.au/cds-au/v1 and the consumer-authorized endpoints on the MTLS host https://mtls.ob.hsbc.com.au/cds-au/v1, accessible only to Accredited Data Recipients under the CDR ADR model. HSBC is presently a data holder only and is not accredited to receive third-party banking data. Beyond the Australian CDR surface, HSBC Group operates a global developer portal at develop.hsbc.com covering commercial/corporate banking APIs and non-Australian Open Banking markets.

agent native

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.

Kin Score

API Evangelist profiles HSBC Bank Australia the way a machine reads it — 15 machine-readable artifacts across 8 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 — HSBC Bank Australia scores 45.5/100 (developing), with a separate agent-readiness read of 69/100 (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 Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 45.5/100 · developing
Contract Quality 13.5 / 25
Developer Ergonomics 11.7 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 11.4 / 15
Agent readiness — 69/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3

How we profile HSBC Bank Australia

Each block below is one kind of artifact we hold for HSBC Bank Australia. 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 8

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.

HSBC Developer Portal - Commercial APIs (HSBC Group, partner-gated)

HSBC Group's global developer portal (develop.hsbc.com) documents commercial / corporate-banking APIs available to HSBC's business and corporate clients, alongside Open Banking ...

HSBC Bank Australia Banking Account Balances API

Banking Account Balance endpoints

HSBC Bank Australia Banking Account Direct Debits API

Banking Account Direct Debit endpoints

HSBC Bank Australia Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

HSBC Bank Australia Banking Account Transactions API

Banking Account Transaction endpoints

HSBC Bank Australia Banking Accounts API

Banking Account endpoints

HSBC Bank Australia Banking Products API

Banking Product endpoints

Scroll within the panel for all 8 ·

Arazzo Workflows 2

Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.

Multi-step API workflows described with the Arazzo specification.

_Index

ARAZZO

HSBC Australia CDR - Browse Products

Browse the HSBC Bank Australia public Consumer Data Right Product Reference Data catalog, then fetch the full detail of the first product returned. Both operations are public an...

ARAZZO

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.

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.

Hsbc Australia Authentication

none/openIdConnect/oauth2/mutualTLS · 3 schemes

SECURITY

Hsbc Australia Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

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.

Hsbc Australia Scopes

10 scopes · authorizationCode

10 scopes

SCOPES

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.

Hsbc Australia Agentic Access

19 operations · 3 acting

19 operations · 3 acting

AGENTIC

Resources

Every other property we hold for HSBC Bank Australia — 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 2

Portal, sign-up, and the first successful call

Documentation 1

Reference material describing how the API behaves

Build 1

SDKs, sample code, and the tooling you integrate with

Access & Security 3

Authentication, authorization, and security posture

Operate 1

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/hsbc-australia · machine-readable index on apis.io