Up’s API idea, for every bank you use.
Connect Up Bank once through the Consumer Data Right. Read your transactions and balances as JSON with a scoped key, or ask an AI agent over MCP. No accreditation, no ABN, no sales call.
- read-only · CDR regulated
- 7 years of history
- from US$7/mo
Up Bank
AU · CDR$curl https://api.banksync.io/v1/banks/bnk_up/accounts/acc_9047/transactions?from=2026-09-01 \ -H "X-API-Key: bsk_live_…" { "success": true, "data": [ { "date": "2026-10-08", "description": "Woolworths Surry Hills", "amount": -84.20, "category": "Groceries" }, { "date": "2026-10-07", "description": "Opal Card Top Up", "amount": -40.00, "category": "Transport" }, …41 more ], "meta": { "count": 43, "hasMore": false }}200 OK · 43 rows · 118 ms
Up Bank and personal API access
Up publishes its own personal API, built, in Up’s words, for makers, creators, hackers and hobbyists. You create a personal access token in the Up app, and Up’s acceptable-use policy keeps it to personal use.
That API covers Up accounts only. If you also bank with CommBank, a credit union or anyone else, those need a second route.
BankSync is the same idea for every CDR bank, plus Up itself: connect Up and your other banks through the Consumer Data Right, and one key reads all of them in one JSON shape.
You approve sharing on Up Bank’s own CDR consent screen, pick the accounts and how long the consent lasts (up to 12 months), and BankSync receives the data as a CDR Representative of Fiskil Pty Ltd (ADRBNK000246). Your key reads it back as JSON.
What you get in Australia
- Data
- Transactions and balances. Read-only.
- History
- Up to 7 years on the first sync.
- Consent
- Up to 12 months, then you approve again at your bank.
- Framework
- Consumer Data Right · ACCC & Treasury
- Provider
- BankSync is a CDR Representative of Fiskil Pty Ltd, an Accredited Data Recipient (ADRBNK000246).
How it works
- 1
Connect your own bank
Sign up, then connect Up Bank through your bank's own consent screen.
- 2
Create an API key
Workspace › Developers. Give it only the scopes it needs; revoke it any time.
banks:read - 3
Make your first call
Read transactions and balances as JSON with one GET request and your key in the X-API-Key header.
- 4
Or ask an AI agent
Point Claude, ChatGPT or Cursor at the MCP server and ask questions about the same data.
MCP
Call it your way
$curl -s "https://api.banksync.io/v1/banks/bnk_up/accounts/acc_9047/transactions?from=2026-09-01" \ -H "X-API-Key: bsk_live_…" \ | jq '.data[] | {date, description, amount}'
import osimport requests r = requests.get( "https://api.banksync.io/v1/banks/bnk_up/accounts/acc_9047/transactions", params={"from": "2026-09-01"}, headers={"X-API-Key": os.environ["BANKSYNC_API_KEY"]},)r.raise_for_status()for row in r.json()["data"]: print(row["date"], row["description"], row["amount"])
const res = await fetch('https://api.banksync.io/v1/banks/bnk_up/accounts/acc_9047/transactions?from=2026-09-01', { headers: { 'X-API-Key': process.env.BANKSYNC_API_KEY },})if (!res.ok) throw new Error(`BankSync API ${res.status}`)const { data } = await res.json()console.table(data)
you ›How much did I spend at Woolworths and Coles last month?mcpget_transactions({ bankId: "bnk_up", accountId: "acc_9047", from: "2026-09-01" })agent ›A$612.40 across 14 transactions: Woolworths A$388.15, Coles A$224.25. — same key, same data, in Claude, ChatGPT or Cursor —
API access from $7/mo
Standard includes 5 bank connections, 10 API requests a minute and the MCP server. Every plan starts with a 14-day free trial. Prices shown in USD.
Frequently asked questions
Does Up Bank offer a personal API?
Yes. Up publishes a personal API with a personal access token you create in the Up app, for Up accounts only. BankSync covers Up through the Consumer Data Right too, so one key reads Up alongside every other CDR bank you use.
What data can I read from my Up Bank accounts?
Transactions and balances, read-only, as JSON. The first sync reaches back up to 7 years; how far back Up Bank actually returns can vary by account.
How long does consent last?
A CDR consent lasts up to 12 months; you choose the duration on Up Bank’s consent screen. When it ends, reconnect from the app and approve again. You can withdraw consent at any time from Up Bank or from BankSync.
Is the API read-only?
Yes. The connection your bank grants is read-only: BankSync can read account data, and it cannot move money, make payments or change anything at your bank. Your API key reads the same data, scoped to the permissions you give it.
Can I use my Up Bank data with Claude or ChatGPT?
Yes. The same read-only data is available over BankSync’s MCP server: point Claude, ChatGPT or Cursor at it and ask about your Up Bank transactions in plain English. It is included from the Standard plan.
What about Up Bank business accounts?
Which business and commercial accounts Up Bank shares varies, so we do not promise them here. Contact support with your account type before you rely on it, and we will tell you what connects.
Other Australian banks
The same key reads every bank you connect.
Related reading
- Australian open banking API →What the API returns in Australia, plans and the full endpoint list.
- Up Bank on BankSync →How Up Bank connects, the data it returns and where you can send it.
- How CDR consent works →Accreditation, CDR Representatives, consent durations and revocation.
- MCP server →The same data in Claude, ChatGPT, Cursor and VS Code.
Read your Up Bank data tonight
Connect Up Bank, create a scoped key, and read your own data as JSON.