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 APIs 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 Financial, Banks, Open Banking, CDR, and Consumer Banking.

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

🌐 Visit website 📡 Source on GitHub

42.0/100 thin ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

7 APIs 1 MCP Servers

FinancialBanksOpen BankingCDRConsumer BankingAustraliaMutualProduct Reference Data

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 42.0/100 · thin

Contract Quality 13.5 / 25

Developer Ergonomics 8.3 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 10.0 / 10

Agent readiness — 65/100 · 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 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/australian-unity-bank: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 7

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

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Australian Unity Bank Scopes

9 scopes · authorizationCode/hybrid

9 scopes

SCOPES

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

MCPServer

AgentSkill

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 2

The organization behind the API

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.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/australian-unity-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
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:
- 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: MCPServer
  url: mcp/australian-unity-bank-mcp.yml
- 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

Kin Score

APIs 7

Australian Unity Bank Banking Account Balances API

Australian Unity Bank Banking Account Direct Debits API

Australian Unity Bank Banking Account Scheduled Payments API

Australian Unity Bank Banking Account Transactions API

Australian Unity Bank Banking Accounts API

Australian Unity Bank Banking Payees API

Australian Unity Bank Banking Products API

MCP Servers 1

australian-unity-bank-mcp.yml

Security Posture 2

Australian Unity Bank Authentication

Australian Unity Bank Domain Security