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 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 Gateway Bank catalog on APIs.io includes 1 Spectral governance ruleset.
Gateway Bank’s developer surface includes authentication, documentation, and 19 more developer resources.
What this lets a business do 2
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
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 Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending) | regulated | 57.5 | - | - |
| Australia AFS, Credit and ADI Registers (ASIC + APRA licensing) | regulated | 57.5 | - | - |
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 3
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.
APIs 7
Individual APIs this provider publishes, each with its own machine-readable definition.
Gateway Bank Banking Account Balances API
Banking Account Balance endpoints
Gateway Bank Banking Account Direct Debits API
Banking Account Direct Debit endpoints
Gateway Bank Banking Account Scheduled Payments API
Banking Account Scheduled Payment endpoints
Gateway Bank Banking Account Transactions API
Banking Account Transaction endpoints
Gateway Bank Banking Accounts API
Banking Account endpoints
Gateway Bank Banking Payees API
Banking Payee endpoints
Gateway 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 COLLECTIONCDR Banking Banking Account Balances Banking Accounts API
OPEN COLLECTIONCDR Banking Banking Account Balances Banking Payees API
OPEN COLLECTIONCDR Banking Banking Account Balances Banking Products API
OPEN COLLECTIONScroll for all 7
Agent Skills 1
Packaged agent skills for driving this provider's APIs from an AI assistant.
Browse Gateway Bank banking products
AGENT SKILLSpectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
Gateway Bank API Rules
SPECTRALOpenAPI 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.
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 5
Pagination, idempotency, versioning, errors, and events
Access & Security 4
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 1
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 2
Properties that don't map to a standard resource type
Source (apis.yml)
Gateway Bank API — frequently asked questions
Does Gateway Bank have an API?
Yes. APIs.io lists 7 APIs from Gateway Bank, including Gateway Bank Banking Account Balances API, Gateway Bank Banking Account Direct Debits API and Gateway Bank Banking Account Scheduled Payments API, and 4 more.
Is there an OpenAPI specification for the Gateway Bank API?
Yes. APIs.io indexes 7 OpenAPI specifications for Gateway Bank, each linked for download from this page.
How do I authenticate with the Gateway Bank API?
Gateway Bank documents its authentication (none/oauth2/openIdConnect · 0 schemes). The details are profiled on APIs.io as Gateway Bank Authentication.
Is the Gateway Bank API ready for AI agents?
Gateway Bank has a Kin Score of 36.1 out of 100 (thin) and an Agent Readiness score of 33.6 (agent-ready), scored by API Evangelist on 2026-11-06.
Work with this as data
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