Australian Unity Bank

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 friendly-societies movement and a group spanning health insurance, wealth management, aged and home care, retirement living, and banking. The bank traces to Big Sky Credit Union, which merged with Australian Unity in 2012, became Big Sky Building Society Limited, and was later renamed Australian Unity Bank Limited; it offers everyday transaction and savings accounts, term deposits, and home loans to members as an APRA-authorised deposit-taking institution (ADI) covered by the Financial Claims Scheme. On its Consumer Data Right (CDR / Open Banking) posture, Australian Unity Bank is a genuine ADI and operates a real CDR Open Banking gateway at open-banking.australianunity.com.au (CloudFront-fronted), which as a mandated data holder exposes the full DSB Consumer Data Standards (CDS) Banking API surface under the /cds-au/v1/banking prefix - the public Product Reference Data (PRD) endpoints plus the consumer-authorized Accounts, Balances, Transactions, Direct Debits, Scheduled Payments, and Payees endpoints. A July 2026 probe from a non-AU IP returned HTTP 403 across x-v 1-4 (typical WAF / geo / accreditation gating on CDR hosts), so payloads could not be captured verbatim, but the host resolves and responds - confirming Australian Unity as a live data-holder surface. The bank publishes no separate first-party developer portal or open-banking API documentation beyond CDR (its api.australianunity.com.au host serves only a webMethods Integration Server admin page, not documented APIs); the API contract is the shared DSB Consumer Data Standards.

Australian Unity Bank publishes 7 API contracts indexed on the APIs.io network, including Banking Account Balances API, Banking Account Direct Debits API, Banking Account Scheduled Payments API, and 4 more. Tagged areas include Finance, Banks, Open Banking, CDR, and Consumer Banking.

The Australian Unity Bank catalog on APIs.io includes 1 Spectral governance ruleset.

Australian Unity Bank’s developer surface includes engineering blog, authentication, documentation, API reference, and 17 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

26.2/100 thin ▬ flat Agent 26/100 agent aware Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 3 Agent Skills

Finance Banks Open Banking CDR Consumer Banking Australia Mutual Product Reference Data

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 26.2/100 · thin

Contract Quality 2.3 / 19

Developer Ergonomics 4.9 / 15

Access Clarity 3.2 / 15

Operational Transparency 0.0 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 6.6 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 26/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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 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 Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 12.4 — up to +21.9 composite points
Access Clarity scores 21.1 — up to +15.8 composite points
Developer Ergonomics scores 32.7 — up to +13.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/australian-unity-bank/apis.yml: open an issue on github.com/api-evangelist/australian-unity-bank to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 4

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

OpenID Connect

measured — observed by APIs.io (declared)

Mutual TLS

measured — observed by APIs.io (declared)

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Australian Unity Bank Banking Account Balances API

Banking Account Balance endpoints

Australian Unity Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Australian Unity Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Australian Unity Bank Banking Account Transactions API

Banking Account Transaction endpoints

Australian Unity Bank Banking Accounts API

Banking Account endpoints

Australian Unity Bank Banking Payees API

Banking Payee endpoints

Australian Unity Bank Banking Products API

Banking Product endpoints

Scroll for all 7

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

CDR Banking Banking Account Balances API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Direct Debits API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Scheduled Payments API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Transactions API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Accounts API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Payees API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Products API

OPEN COLLECTION

Scroll for all 7

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Retrieve Australian Unity Bank accounts and balances

AGENT SKILL

Retrieve Australian Unity Bank product reference data

AGENT SKILL

Retrieve Australian Unity Bank transactions and payment arrangements

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Australian Unity Bank API Rules

68 rules · 62 errors 5 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Australian Unity Bank Cds Banking Overlay

3 actions · update · australian-unity-bank-cds-banking-openapi.json

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Australian Unity Bank Authentication

oauth2/openIdConnect/mutualTLS · 3 schemes

SECURITY

Australian Unity Bank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Australian Unity Bank Scopes

9 scopes · authorizationCode/hybrid

9 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Australian Unity Bank Agentic Access

19 operations

19 operations · 0 acting

AGENTIC

Resources

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Conformance

DataModel

Lifecycle

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Blog

Blog

Website

Website

LinkedIn

Other 2

Properties that don't map to a standard resource type

Overlay

Overlay

OpenBanking

OpenBanking

Source (apis.yml)

aid: australian-unity-bank
url: https://raw.githubusercontent.com/api-evangelist/australian-unity-bank/refs/heads/main/apis.yml
name: Australian Unity Bank
kind: company
description: 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 friendly-societies movement and a group spanning health insurance, wealth management,
  aged and home care, retirement living, and banking. The bank traces to Big Sky Credit Union, which merged with Australian
  Unity in 2012, became Big Sky Building Society Limited, and was later renamed Australian Unity Bank Limited; it offers everyday
  transaction and savings accounts, term deposits, and home loans to members as an APRA-authorised deposit-taking institution
  (ADI) covered by the Financial Claims Scheme. On its Consumer Data Right (CDR / Open Banking) posture, Australian Unity
  Bank is a genuine ADI and operates a real CDR Open Banking gateway at open-banking.australianunity.com.au (CloudFront-fronted),
  which as a mandated data holder exposes the full DSB Consumer Data Standards (CDS) Banking API surface under the /cds-au/v1/banking
  prefix - the public Product Reference Data (PRD) endpoints plus the consumer-authorized Accounts, Balances, Transactions,
  Direct Debits, Scheduled Payments, and Payees endpoints. A July 2026 probe from a non-AU IP returned HTTP 403 across x-v
  1-4 (typical WAF / geo / accreditation gating on CDR hosts), so payloads could not be captured verbatim, but the host resolves
  and responds - confirming Australian Unity as a live data-holder surface. The bank publishes no separate first-party developer
  portal or open-banking API documentation beyond CDR (its api.australianunity.com.au host serves only a webMethods Integration
  Server admin page, not documented APIs); the API contract is the shared DSB Consumer Data Standards.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/australian-unity-bank.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual
- Product Reference Data
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual
- Product Reference Data
created: '2026-07-20'
modified: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: australian-unity-bank:australian-unity-bank-banking-account-balances-api
  name: Australian Unity Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  baseURL: https://open-banking.australianunity.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/australian-unity-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Provenance
    url: https://www.cdr.gov.au/for-providers/how-find-data-holders-product-data-request-service
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: australian-unity-bank:australian-unity-bank-banking-account-direct-debits-api
  name: Australian Unity Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  baseURL: https://open-banking.australianunity.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/australian-unity-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Provenance
    url: https://www.cdr.gov.au/for-providers/how-find-data-holders-product-data-request-service
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: australian-unity-bank:australian-unity-bank-banking-account-scheduled-payments-api
  name: Australian Unity Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  baseURL: https://open-banking.australianunity.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/australian-unity-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Provenance
    url: https://www.cdr.gov.au/for-providers/how-find-data-holders-product-data-request-service
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: australian-unity-bank:australian-unity-bank-banking-account-transactions-api
  name: Australian Unity Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  baseURL: https://open-banking.australianunity.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/australian-unity-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Provenance
    url: https://www.cdr.gov.au/for-providers/how-find-data-holders-product-data-request-service
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: australian-unity-bank:australian-unity-bank-banking-accounts-api
  name: Australian Unity Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  baseURL: https://open-banking.australianunity.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/australian-unity-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Provenance
    url: https://www.cdr.gov.au/for-providers/how-find-data-holders-product-data-request-service
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: australian-unity-bank:australian-unity-bank-banking-payees-api
  name: Australian Unity Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  baseURL: https://open-banking.australianunity.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/australian-unity-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Provenance
    url: https://www.cdr.gov.au/for-providers/how-find-data-holders-product-data-request-service
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: australian-unity-bank:australian-unity-bank-banking-products-api
  name: Australian Unity Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  baseURL: https://open-banking.australianunity.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/australian-unity-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: Provenance
    url: https://www.cdr.gov.au/for-providers/how-find-data-holders-product-data-request-service
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits
  - type: Documentation
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
common:
- url: https://www.australianunity.com.au/home-services/articles
  type: Blog
- type: AgenticAccess
  url: agentic-access/australian-unity-bank-agentic-access.yml
- type: DomainSecurity
  url: security/australian-unity-bank-domain-security.yml
- type: Authentication
  url: authentication/australian-unity-bank-authentication.yml
- type: OAuthScopes
  url: scopes/australian-unity-bank-scopes.yml
- type: Conventions
  url: conventions/australian-unity-bank-conventions.yml
- type: ErrorCatalog
  url: errors/australian-unity-bank-problem-types.yml
- type: Conformance
  url: conformance/australian-unity-bank-conformance.yml
- type: DataModel
  url: data-model/australian-unity-bank-data-model.yml
- type: Lifecycle
  url: lifecycle/australian-unity-bank-lifecycle.yml
- type: X-MCPServerCandidate
  url: mcp/australian-unity-bank-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: Overlay
  url: overlays/australian-unity-bank-cds-banking-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: Documentation
  url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api
- type: LLMsTxt
  url: llms/australian-unity-bank-llms.txt
- type: Website
  url: https://www.australianunity.com.au/
- type: OpenBanking
  url: https://www.australianunity.com.au/banking/open-banking
- type: LinkedIn
  url: https://www.linkedin.com/company/australian-unity/
- type: PrivacyPolicy
  url: https://www.australianunity.com.au/privacy-policy
- type: TermsOfService
  url: https://www.australianunity.com.au/terms-and-conditions
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Australian Unity Bank API — frequently asked questions

Does Australian Unity Bank have an API?

Yes. APIs.io lists 7 APIs from Australian Unity Bank, including Australian Unity Bank Banking Account Balances API, Australian Unity Bank Banking Account Direct Debits API and Australian Unity Bank Banking Account Scheduled Payments API, and 4 more.

Is there an OpenAPI specification for the Australian Unity Bank API?

Yes. APIs.io indexes 7 OpenAPI specifications for Australian Unity Bank, each linked for download from this page.

How do I authenticate with the Australian Unity Bank API?

Australian Unity Bank uses bearer-token authentication (oauth2/openIdConnect/mutualTLS · 3 schemes). The details are profiled on APIs.io as Australian Unity Bank Authentication.

Is the Australian Unity Bank API ready for AI agents?

Australian Unity Bank has a Kin Score of 26.2 out of 100 (thin) and an Agent Readiness score of 25.5 (agent-aware), scored by API Evangelist on 2026-11-06.

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