Gateway Bank

Gateway Bank Ltd is a 100% customer-owned Australian mutual bank headquartered in Sydney, New South Wales. Founded in 1955 as Gateway Credit Union and rebranded to Gateway Bank in 2018, it is an APRA-regulated Authorised Deposit-taking Institution (ADI) serving more than 30,000 members with over one billion dollars in assets across transaction and savings accounts, home, personal and car loans, reverse and commercial mortgages, term deposits and Visa debit cards. As an active ADI, Gateway Bank is a designated data holder under Australia's Consumer Data Right (CDR / Open Banking) and implements the full Data Standards Body (DSB) Consumer Data Standards Banking API surface - a public, unauthenticated Product Reference Data (PRD) API plus the consumer-authorized Accounts, Balances, Transactions, Direct Debits, Scheduled Payments and Payees endpoints accessed through the CDR Accredited Data Recipient model. Its registered CDR public base URI is https://public.cdr-api.gatewaybank.com.au. As a small customer-owned mutual, Gateway Bank does not operate a broader self-serve first-party developer portal beyond these CDR obligations.

Gateway 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.

Gateway Bank’s developer surface includes authentication, documentation, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub

41.2/100 developing ▬ flat Agent 34/100 agent ready Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

7 APIs 1 MCP Servers

FinancialBanksOpen BankingCDRConsumer BankingMutual BankCustomer OwnedAustraliaProduct Reference Data

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 41.2/100 · developing

Contract Quality 10.8 / 21

Developer Ergonomics 3.9 / 17

Access Clarity 3.1 / 17

Operational Transparency 0.9 / 11

Contract Governance 3.1 / 10

Discoverability 7.9 / 9

Regulatory Posture 10.8 / 15

Agent readiness — 34/100 · agent ready

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

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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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/gateway-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.

Gateway Bank Scopes

5 scopes · authorizationCode

5 scopes

SCOPES

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

WellKnown

MCPServer

AgentSkill

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Conformance

Lifecycle

DataModel

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

OAuthScopes

Compliance

Operate 1

Status, limits, changes, and where to get help

Deprecation

Deprecation

Commercial 1

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: gateway-bank
url: https://raw.githubusercontent.com/api-evangelist/gateway-bank/refs/heads/main/apis.yml
name: Gateway Bank
kind: company
description: Gateway Bank Ltd is a 100% customer-owned Australian mutual bank headquartered in Sydney, New South Wales. Founded
  in 1955 as Gateway Credit Union and rebranded to Gateway Bank in 2018, it is an APRA-regulated Authorised Deposit-taking
  Institution (ADI) serving more than 30,000 members with over one billion dollars in assets across transaction and savings
  accounts, home, personal and car loans, reverse and commercial mortgages, term deposits and Visa debit cards. As an active
  ADI, Gateway Bank is a designated data holder under Australia's Consumer Data Right (CDR / Open Banking) and implements
  the full Data Standards Body (DSB) Consumer Data Standards Banking API surface - a public, unauthenticated Product Reference
  Data (PRD) API plus the consumer-authorized Accounts, Balances, Transactions, Direct Debits, Scheduled Payments and Payees
  endpoints accessed through the CDR Accredited Data Recipient model. Its registered CDR public base URI is https://public.cdr-api.gatewaybank.com.au.
  As a small customer-owned mutual, Gateway Bank does not operate a broader self-serve first-party developer portal beyond
  these CDR obligations.
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/gateway-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Mutual Bank
- Customer Owned
- Australia
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.23'
apis:
- aid: gateway-bank:gateway-bank-banking-account-balances-api
  name: Gateway Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  baseURL: https://public.cdr-api.gatewaybank.com.au/cds-au/v1
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/gateway-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: gateway-bank:gateway-bank-banking-account-direct-debits-api
  name: Gateway Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  baseURL: https://public.cdr-api.gatewaybank.com.au/cds-au/v1
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/gateway-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: gateway-bank:gateway-bank-banking-account-scheduled-payments-api
  name: Gateway Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  baseURL: https://public.cdr-api.gatewaybank.com.au/cds-au/v1
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/gateway-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: gateway-bank:gateway-bank-banking-account-transactions-api
  name: Gateway Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  baseURL: https://public.cdr-api.gatewaybank.com.au/cds-au/v1
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/gateway-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: gateway-bank:gateway-bank-banking-accounts-api
  name: Gateway Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  baseURL: https://public.cdr-api.gatewaybank.com.au/cds-au/v1
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/gateway-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: gateway-bank:gateway-bank-banking-payees-api
  name: Gateway Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  baseURL: https://public.cdr-api.gatewaybank.com.au/cds-au/v1
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/gateway-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: gateway-bank:gateway-bank-banking-products-api
  name: Gateway Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  baseURL: https://public.cdr-api.gatewaybank.com.au/cds-au/v1
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/gateway-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
common:
- type: AgenticAccess
  url: agentic-access/gateway-bank-agentic-access.yml
- type: DomainSecurity
  url: security/gateway-bank-domain-security.yml
- type: Authentication
  url: authentication/gateway-bank-authentication.yml
- type: OAuthScopes
  url: scopes/gateway-bank-scopes.yml
- type: Conventions
  url: conventions/gateway-bank-conventions.yml
- type: ErrorCatalog
  url: errors/gateway-bank-problem-types.yml
- type: Conformance
  url: conformance/gateway-bank-conformance.yml
- type: Compliance
  url: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
- type: Lifecycle
  url: lifecycle/gateway-bank-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: WellKnown
  url: well-known/gateway-bank-well-known.yml
- type: MCPServer
  url: mcp/gateway-bank-mcp.yml
- type: AgentSkill
  url: skills/gateway-bank-browse-products.md
- type: DataModel
  url: data-model/gateway-bank-data-model.yml
- type: Overlay
  url: overlays/gateway-bank-cds-banking-products-overlay.yaml
- type: LLMsTxt
  url: llms/gateway-bank-llms.txt
- type: Website
  url: https://www.gatewaybank.com.au/
- type: Documentation
  url: https://www.gatewaybank.com.au/important-information/consumer-data-right-cdr/
- type: TermsOfService
  url: https://www.gatewaybank.com.au/important-information/terms-of-use/
- type: LinkedIn
  url: https://au.linkedin.com/company/gateway-bank-ltd
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Gateway Bank

Kin Score

APIs 7

Gateway Bank Banking Account Balances API

Gateway Bank Banking Account Direct Debits API

Gateway Bank Banking Account Scheduled Payments API

Gateway Bank Banking Account Transactions API

Gateway Bank Banking Accounts API

Gateway Bank Banking Payees API

Gateway Bank Banking Products API

Open Collections 8

API Collection

CDR Banking Banking Account Balances API

CDR Banking Banking Account Balances Banking Account Direct Debits API

CDR Banking Banking Account Balances Banking Account Scheduled Payments API

CDR Banking Banking Account Balances Banking Account Transactions API

CDR Banking Banking Account Balances Banking Accounts API

CDR Banking Banking Account Balances Banking Payees API

CDR Banking Banking Account Balances Banking Products API

MCP Servers 1

Gateway Bank MCP Server

Security Posture 2

Gateway Bank Authentication

Gateway Bank Domain Security