# Australian Unity Bank

**Canonical:** https://apis.io/providers/australian-unity-bank/  
**Website:** https://www.australianunity.com.au/  
**APIs profiled:** 7

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.

## Kin Score — 39.2 / 100 (thin)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 39.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 30.4 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 70.9 (matched via tags).

## Agent readiness — 34.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (7)

- **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

## MCP servers (1)

- **Australian Unity Bank MCP Server**

## Agentic access (1)

- **Australian Unity Bank Agentic Access** — 19 operations · 3 acting

## Security (2)

- **Australian Unity Bank Authentication** — oauth2/openIdConnect/mutualTLS · 3 schemes
- **Australian Unity Bank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Mutual, Product Reference Data

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/australian-unity-bank/). Scores are computed from the provider's own public artifacts under a published rubric.