# Gateway Bank

**Canonical:** https://apis.io/providers/gateway-bank/  
**Website:** https://www.gatewaybank.com.au/  
**APIs profiled:** 7

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.

## Kin Score — 41.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 41.2).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 51.0 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 23.2 |
| Commercial Clarity | 18.4 |
| Access Clarity | 18.4 |

Regulatory layer — **Banking & Open Finance**: 72.2 (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)

- **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

## MCP servers (1)

- **Gateway Bank MCP Server**

## Agentic access (1)

- **Gateway Bank Agentic Access** — 19 operations · 3 acting

## Security (2)

- **Gateway Bank Authentication** — none/oauth2/openIdConnect · 0 schemes
- **Gateway Bank Domain Security** — TLSv1.3 · DMARC

## Tags

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

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