Gateway Bank website screenshot

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
41.6/100 thin ▬ flat Agent 69/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer BankingMutual BankCustomer OwnedAustraliaProduct Reference Data

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 41.6/100 · thin
Contract Quality 13.5 / 25
Developer Ergonomics 7.0 / 20
Commercial Clarity 3.7 / 20
Operational Transparency 1.0 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 69/100 · 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 4 / 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/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.

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

MCP Servers 1

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

gateway-bank-mcp.yml

MCP SERVER

Security Posture 2

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

Gateway Bank Authentication

none/oauth2/openIdConnect · 0 schemes

SECURITY

Gateway Bank Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Gateway Bank Scopes

5 scopes · authorizationCode

5 scopes

SCOPES

Agentic Access 1

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

Gateway Bank Agentic Access

19 operations · 3 acting

19 operations · 3 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 WellKnown
WellKnown
 MCPServer
MCPServer
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 Lifecycle
Lifecycle
 DataModel
DataModel

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes
 Compliance
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
LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
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: '0.19'
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